Home > United Trust Bank > Performance and Condition Ratios
United Trust Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0293% | 1,139 |
| Cost of funding earning assets | 3.6577% | 75 |
| Net interest margin | 2.3717% | 4,123 |
| Noninterest income to average assets | 11.8700% | 97 |
| Noninterest expense to average assets | 13.0507% | 95 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 0.7379% | 3,013 |
| Return on assets (ROA) | 0.7379% | 3,013 |
| Pretax return on assets | 0.8501% | 3,083 |
| Return on Equity (ROE) | 8.4600% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.4597% | 1,569 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 92.5330% | 425 |
| Assets per employee ($millions) | 2.1177% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 4,052 |
| Loan loss allowance to noncurrent loans | 342.5087% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 2,633 |
| Noncurrent loans to loans | 0.2020% | 2,778 |
| Net loans and leases to total assets | 85.4000% | 171 |
| Net loans and leases to deposits | 121.3539% | 64 |
| Net loans and leases to core deposits | 164.5523% | 100 |
| Total domestic deposits to total assets | 70.3800% | 4,184 |
| Equity capital to assets | 8.9387% | 2,980 |
| Core capital (leverage) ratio | 8.9867% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5938% | 1,139 |
| Memoranda: | ||
| Average total assets | $167,500,500 | 3,246 |
| Average earning assets | $157,696,000 | 3,220 |
| Average equity | $14,610,500 | 3,407 |
| Average total loans | $142,851,500 | 2,832 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8560% | 1,500 |
| Cost of funding earning assets | 3.7165% | 123 |
| Net interest margin | 2.1395% | 4,192 |
| Noninterest income to average assets | 10.8800% | 105 |
| Noninterest expense to average assets | 12.0257% | 102 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.6726% | 3,042 |
| Return on assets (ROA) | 0.6726% | 3,074 |
| Pretax return on assets | 0.8305% | 2,978 |
| Return on Equity (ROE) | 7.9600% | 2,770 |
| Retained earnings to average equity (ytd only) | 7.9564% | 1,128 |
| Net charge-offs to loans | 0.0007% | 3,041 |
| Credit loss provision to net charge-offs | 6,800.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 1,425.0000% | 83 |
| Efficiency ratio | 93.2384% | 402 |
| Assets per employee ($millions) | 2.1772% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 4,152 |
| Loan loss allowance to noncurrent loans | 311.4187% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,590 |
| Noncurrent loans to loans | 0.2012% | 2,715 |
| Net loans and leases to total assets | 84.0600% | 274 |
| Net loans and leases to deposits | 121.6994% | 65 |
| Net loans and leases to core deposits | 163.2672% | 112 |
| Total domestic deposits to total assets | 69.0700% | 4,223 |
| Equity capital to assets | 8.5125% | 3,189 |
| Core capital (leverage) ratio | 8.8632% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8351% | 1,302 |
| Memoranda: | ||
| Average total assets | $163,400,200 | 3,252 |
| Average earning assets | $153,961,800 | 3,217 |
| Average equity | $13,812,800 | 3,441 |
| Average total loans | $138,302,600 | 2,840 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7962% | 1,556 |
| Cost of funding earning assets | 3.6855% | 143 |
| Net interest margin | 2.1106% | 4,224 |
| Noninterest income to average assets | 10.1500% | 96 |
| Noninterest expense to average assets | 11.5674% | 100 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.4466% | 3,592 |
| Return on assets (ROA) | 0.4466% | 3,628 |
| Pretax return on assets | 0.5703% | 3,526 |
| Return on Equity (ROE) | 5.2900% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.2934% | 2,351 |
| Net charge-offs to loans | 0.0010% | 2,788 |
| Credit loss provision to net charge-offs | 800.0000% | 460 |
| Earnings coverage of net charge-offs (x) | 700.0000% | 184 |
| Efficiency ratio | 95.2501% | 372 |
| Assets per employee ($millions) | 2.2190% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 4,245 |
| Loan loss allowance to noncurrent loans | 266.1392% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 2,525 |
| Noncurrent loans to loans | 0.2198% | 2,654 |
| Net loans and leases to total assets | 84.7600% | 210 |
| Net loans and leases to deposits | 128.3690% | 46 |
| Net loans and leases to core deposits | 175.9958% | 76 |
| Total domestic deposits to total assets | 66.0300% | 4,306 |
| Equity capital to assets | 8.2411% | 3,569 |
| Core capital (leverage) ratio | 9.0824% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3515% | 1,446 |
| Memoranda: | ||
| Average total assets | $161,795,000 | 3,264 |
| Average earning assets | $152,557,000 | 3,237 |
| Average equity | $13,652,000 | 3,458 |
| Average total loans | $136,965,500 | 2,846 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 1,397 |
| Cost of funding earning assets | 3.7333% | 115 |
| Net interest margin | 2.1062% | 4,238 |
| Noninterest income to average assets | 9.8200% | 100 |
| Noninterest expense to average assets | 11.2505% | 103 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.4439% | 3,577 |
| Return on assets (ROA) | 0.4439% | 3,611 |
| Pretax return on assets | 0.5780% | 3,490 |
| Return on Equity (ROE) | 5.2200% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.2174% | 2,273 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 95.2750% | 399 |
| Assets per employee ($millions) | 2.2982% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 4,203 |
| Loan loss allowance to noncurrent loans | 239.8827% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 2,319 |
| Noncurrent loans to loans | 0.2627% | 2,432 |
| Net loans and leases to total assets | 82.5500% | 428 |
| Net loans and leases to deposits | 121.4693% | 83 |
| Net loans and leases to core deposits | 170.8345% | 96 |
| Total domestic deposits to total assets | 67.9600% | 4,280 |
| Equity capital to assets | 8.7735% | 2,907 |
| Core capital (leverage) ratio | 8.9421% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4919% | 1,166 |
| Memoranda: | ||
| Average total assets | $159,512,333 | 3,288 |
| Average earning assets | $150,321,000 | 3,259 |
| Average equity | $13,570,000 | 3,438 |
| Average total loans | $134,695,333 | 2,862 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 1,414 |
| Cost of funding earning assets | 3.7198% | 110 |
| Net interest margin | 2.0218% | 4,299 |
| Noninterest income to average assets | 9.6000% | 95 |
| Noninterest expense to average assets | 11.0867% | 107 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.2731% | 3,866 |
| Return on assets (ROA) | 0.2731% | 3,902 |
| Pretax return on assets | 0.4096% | 3,739 |
| Return on Equity (ROE) | 3.2600% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.2594% | 2,909 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 96.3330% | 389 |
| Assets per employee ($millions) | 2.2981% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 4,230 |
| Loan loss allowance to noncurrent loans | 149.5544% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 1,733 |
| Noncurrent loans to loans | 0.4034% | 1,924 |
| Net loans and leases to total assets | 84.7200% | 223 |
| Net loans and leases to deposits | 125.4285% | 51 |
| Net loans and leases to core deposits | 181.8350% | 101 |
| Total domestic deposits to total assets | 67.5400% | 4,352 |
| Equity capital to assets | 8.2537% | 3,200 |
| Core capital (leverage) ratio | 8.6497% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4337% | 1,417 |
| Memoranda: | ||
| Average total assets | $161,130,000 | 3,285 |
| Average earning assets | $151,945,000 | 3,256 |
| Average equity | $13,499,500 | 3,457 |
| Average total loans | $137,132,000 | 2,836 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8068% | 825 |
| Cost of funding earning assets | 3.3115% | 99 |
| Net interest margin | 2.4954% | 4,094 |
| Noninterest income to average assets | 10.8600% | 90 |
| Noninterest expense to average assets | 12.1148% | 99 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9108% | 2,512 |
| Return on assets (ROA) | 0.9108% | 2,481 |
| Pretax return on assets | 0.9802% | 2,721 |
| Return on Equity (ROE) | 10.8400% | 2,270 |
| Retained earnings to average equity (ytd only) | 10.8433% | 829 |
| Net charge-offs to loans | 0.0126% | 2,175 |
| Credit loss provision to net charge-offs | 981.2500% | 422 |
| Earnings coverage of net charge-offs (x) | 101.6250% | 895 |
| Efficiency ratio | 91.7804% | 365 |
| Assets per employee ($millions) | 2.3396% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 4,225 |
| Loan loss allowance to noncurrent loans | 148.3986% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 1,551 |
| Noncurrent loans to loans | 0.4157% | 1,741 |
| Net loans and leases to total assets | 84.4500% | 242 |
| Net loans and leases to deposits | 129.0583% | 50 |
| Net loans and leases to core deposits | 182.5692% | 97 |
| Total domestic deposits to total assets | 65.4400% | 4,384 |
| Equity capital to assets | 8.5056% | 3,049 |
| Core capital (leverage) ratio | 8.6905% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0106% | 1,274 |
| Memoranda: | ||
| Average total assets | $149,866,600 | 3,364 |
| Average earning assets | $140,300,600 | 3,341 |
| Average equity | $12,588,400 | 3,481 |
| Average total loans | $126,844,400 | 2,885 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6678% | 830 |
| Cost of funding earning assets | 3.1770% | 96 |
| Net interest margin | 2.4908% | 4,153 |
| Noninterest income to average assets | 10.8600% | 89 |
| Noninterest expense to average assets | 12.5226% | 97 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.4256% | 3,919 |
| Return on assets (ROA) | 0.4256% | 3,911 |
| Pretax return on assets | 0.5250% | 3,865 |
| Return on Equity (ROE) | 5.0800% | 3,793 |
| Retained earnings to average equity (ytd only) | 5.0839% | 2,903 |
| Net charge-offs to loans | 0.0182% | 1,772 |
| Credit loss provision to net charge-offs | 900.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 43.1765% | 1,402 |
| Efficiency ratio | 94.9702% | 250 |
| Assets per employee ($millions) | 2.4554% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 4,257 |
| Loan loss allowance to noncurrent loans | 251.9757% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 2,252 |
| Noncurrent loans to loans | 0.2405% | 2,383 |
| Net loans and leases to total assets | 83.9100% | 286 |
| Net loans and leases to deposits | 123.5911% | 64 |
| Net loans and leases to core deposits | 175.4952% | 61 |
| Total domestic deposits to total assets | 67.8900% | 4,373 |
| Equity capital to assets | 7.7978% | 3,182 |
| Core capital (leverage) ratio | 8.1714% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0567% | 1,544 |
| Memoranda: | ||
| Average total assets | $147,559,250 | 3,398 |
| Average earning assets | $137,945,250 | 3,375 |
| Average equity | $12,352,500 | 3,495 |
| Average total loans | $124,757,000 | 2,904 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 896 |
| Cost of funding earning assets | 2.9897% | 84 |
| Net interest margin | 2.4618% | 4,251 |
| Noninterest income to average assets | 10.7400% | 88 |
| Noninterest expense to average assets | 12.4924% | 94 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.2775% | 4,188 |
| Return on assets (ROA) | 0.2775% | 4,219 |
| Pretax return on assets | 0.3966% | 4,123 |
| Return on Equity (ROE) | 3.2300% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.2306% | 3,415 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.8293% | 228 |
| Assets per employee ($millions) | 2.1916% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5883% | 4,313 |
| Loan loss allowance to noncurrent loans | 241.8182% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 2,121 |
| Noncurrent loans to loans | 0.2433% | 2,285 |
| Net loans and leases to total assets | 87.8900% | 83 |
| Net loans and leases to deposits | 132.3245% | 46 |
| Net loans and leases to core deposits | 180.6001% | 59 |
| Total domestic deposits to total assets | 66.4200% | 4,429 |
| Equity capital to assets | 8.0599% | 3,170 |
| Core capital (leverage) ratio | 8.5854% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0498% | 1,562 |
| Memoranda: | ||
| Average total assets | $142,726,333 | 3,451 |
| Average earning assets | $132,991,333 | 3,437 |
| Average equity | $12,257,667 | 3,514 |
| Average total loans | $120,737,667 | 2,938 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 802 |
| Cost of funding earning assets | 2.8253% | 53 |
| Net interest margin | 2.5016% | 4,298 |
| Noninterest income to average assets | 10.7700% | 93 |
| Noninterest expense to average assets | 12.6130% | 93 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.2155% | 4,341 |
| Return on assets (ROA) | 0.2155% | 4,301 |
| Pretax return on assets | 0.3086% | 4,257 |
| Return on Equity (ROE) | 2.4300% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.4254% | 3,622 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.3737% | 216 |
| Assets per employee ($millions) | 1.9850% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6283% | 4,329 |
| Loan loss allowance to noncurrent loans | 510.2041% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,805 |
| Noncurrent loans to loans | 0.1232% | 2,896 |
| Net loans and leases to total assets | 83.0000% | 295 |
| Net loans and leases to deposits | 123.3874% | 65 |
| Net loans and leases to core deposits | 169.2411% | 70 |
| Total domestic deposits to total assets | 67.2600% | 4,466 |
| Equity capital to assets | 8.5651% | 2,840 |
| Core capital (leverage) ratio | 9.2340% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5994% | 1,239 |
| Memoranda: | ||
| Average total assets | $137,382,500 | 3,541 |
| Average earning assets | $127,280,500 | 3,536 |
| Average equity | $12,204,000 | 3,555 |
| Average total loans | $113,289,500 | 3,057 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 909 |
| Cost of funding earning assets | 1.0875% | 117 |
| Net interest margin | 3.2959% | 2,571 |
| Noninterest income to average assets | 28.6800% | 64 |
| Noninterest expense to average assets | 29.4980% | 58 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 2.0582% | 266 |
| Return on assets (ROA) | 2.0582% | 258 |
| Pretax return on assets | 1.8354% | 669 |
| Return on Equity (ROE) | 19.6700% | 510 |
| Retained earnings to average equity (ytd only) | 19.6732% | 99 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 93.1026% | 238 |
| Assets per employee ($millions) | 1.5155% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 4,294 |
| Loan loss allowance to noncurrent loans | 468.2432% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,740 |
| Noncurrent loans to loans | 0.1380% | 2,824 |
| Net loans and leases to total assets | 80.7900% | 519 |
| Net loans and leases to deposits | 113.5499% | 118 |
| Net loans and leases to core deposits | 149.1835% | 98 |
| Total domestic deposits to total assets | 71.1500% | 4,445 |
| Equity capital to assets | 9.2281% | 2,207 |
| Core capital (leverage) ratio | 10.5924% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0727% | 971 |
| Memoranda: | ||
| Average total assets | $98,291,400 | 3,944 |
| Average earning assets | $89,658,000 | 3,932 |
| Average equity | $10,283,000 | 3,835 |
| Average total loans | $75,843,600 | 3,475 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 1,067 |
| Cost of funding earning assets | 0.6740% | 304 |
| Net interest margin | 3.4273% | 1,878 |
| Noninterest income to average assets | 35.4800% | 58 |
| Noninterest expense to average assets | 35.6067% | 47 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 2.6161% | 138 |
| Return on assets (ROA) | 2.6161% | 135 |
| Pretax return on assets | 2.7703% | 165 |
| Return on Equity (ROE) | 23.9700% | 222 |
| Retained earnings to average equity (ytd only) | 23.9700% | 54 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.2678% | 271 |
| Assets per employee ($millions) | 1.0283% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5893% | 4,393 |
| Loan loss allowance to noncurrent loans | 328.6667% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 2,611 |
| Noncurrent loans to loans | 0.1793% | 2,690 |
| Net loans and leases to total assets | 79.2900% | 594 |
| Net loans and leases to deposits | 102.7859% | 274 |
| Net loans and leases to core deposits | 114.8064% | 349 |
| Total domestic deposits to total assets | 77.1400% | 4,315 |
| Equity capital to assets | 11.3535% | 1,055 |
| Core capital (leverage) ratio | 12.0951% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4132% | 611 |
| Memoranda: | ||
| Average total assets | $89,902,250 | 4,045 |
| Average earning assets | $81,500,500 | 4,052 |
| Average equity | $9,812,000 | 3,939 |
| Average total loans | $68,001,250 | 3,622 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 1,955 |
| Cost of funding earning assets | 0.4742% | 604 |
| Net interest margin | 3.0876% | 2,574 |
| Noninterest income to average assets | 41.6237% | 23 |
| Noninterest expense to average assets | 41.1102% | 19 |
| Loan and lease loss provision to assets | 0.1955% | 432 |
| Net operating income to assets | 2.9703% | 73 |
| Return on assets (ROA) | 2.9703% | 69 |
| Pretax return on assets | 3.1092% | 85 |
| Return on Equity (ROE) | 27.6737% | 77 |
| Retained earnings to average equity (ytd only) | 27.6737% | 26 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5594% | 331 |
| Assets per employee ($millions) | 0.8495% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 4,498 |
| Loan loss allowance to noncurrent loans | 85.2071% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 1,052 |
| Noncurrent loans to loans | 0.6596% | 1,298 |
| Net loans and leases to total assets | 81.7926% | 295 |
| Net loans and leases to deposits | 101.2600% | 235 |
| Net loans and leases to core deposits | 123.4087% | 160 |
| Total domestic deposits to total assets | 80.7748% | 4,160 |
| Equity capital to assets | 12.2057% | 818 |
| Core capital (leverage) ratio | 12.6708% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5257% | 582 |
| Memoranda: | ||
| Average total assets | $84,908,333 | 4,141 |
| Average earning assets | $76,758,000 | 4,162 |
| Average equity | $9,113,333 | 4,092 |
| Average total loans | $62,784,000 | 3,744 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1735% | 2,765 |
| Cost of funding earning assets | 0.4057% | 838 |
| Net interest margin | 2.7678% | 3,231 |
| Noninterest income to average assets | 49.0709% | 20 |
| Noninterest expense to average assets | 48.4806% | 17 |
| Loan and lease loss provision to assets | 0.1488% | 533 |
| Net operating income to assets | 2.7082% | 100 |
| Return on assets (ROA) | 2.7082% | 97 |
| Pretax return on assets | 2.9116% | 113 |
| Return on Equity (ROE) | 27.4114% | 74 |
| Retained earnings to average equity (ytd only) | 27.4114% | 44 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0622% | 382 |
| Assets per employee ($millions) | 0.7120% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 4,447 |
| Loan loss allowance to noncurrent loans | 200.5291% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 1,311 |
| Noncurrent loans to loans | 0.3298% | 2,298 |
| Net loans and leases to total assets | 67.1813% | 1,294 |
| Net loans and leases to deposits | 79.0940% | 1,207 |
| Net loans and leases to core deposits | 93.6770% | 747 |
| Total domestic deposits to total assets | 84.9385% | 3,548 |
| Equity capital to assets | 9.7255% | 2,107 |
| Core capital (leverage) ratio | 10.5066% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3964% | 843 |
| Memoranda: | ||
| Average total assets | $80,642,500 | 4,215 |
| Average earning assets | $71,971,500 | 4,241 |
| Average equity | $7,967,500 | 4,274 |
| Average total loans | $55,746,500 | 3,872 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3390% | 3,087 |
| Cost of funding earning assets | 0.4161% | 1,430 |
| Net interest margin | 2.9230% | 3,391 |
| Noninterest income to average assets | 47.6912% | 23 |
| Noninterest expense to average assets | 47.7319% | 19 |
| Loan and lease loss provision to assets | 0.1189% | 1,052 |
| Net operating income to assets | 2.4237% | 176 |
| Return on assets (ROA) | 2.4237% | 180 |
| Pretax return on assets | 2.4237% | 286 |
| Return on Equity (ROE) | 23.5927% | 155 |
| Retained earnings to average equity (ytd only) | 23.5927% | 31 |
| Net charge-offs to loans | 0.0138% | 2,047 |
| Credit loss provision to net charge-offs | 1,266.6667% | 441 |
| Earnings coverage of net charge-offs (x) | 270.8333% | 435 |
| Efficiency ratio | 94.9426% | 210 |
| Assets per employee ($millions) | 0.5756% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6440% | 4,499 |
| Loan loss allowance to noncurrent loans | 181.7708% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 1,288 |
| Noncurrent loans to loans | 0.3543% | 2,315 |
| Net loans and leases to total assets | 70.3314% | 1,010 |
| Net loans and leases to deposits | 83.2380% | 971 |
| Net loans and leases to core deposits | 97.7188% | 627 |
| Total domestic deposits to total assets | 84.4943% | 3,425 |
| Equity capital to assets | 10.0511% | 2,611 |
| Core capital (leverage) ratio | 9.7400% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0614% | 749 |
| Memoranda: | ||
| Average total assets | $63,911,200 | 4,404 |
| Average earning assets | $56,483,400 | 4,436 |
| Average equity | $6,565,600 | 4,471 |
| Average total loans | $43,534,200 | 4,120 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 3,428 |
| Cost of funding earning assets | 0.4099% | 1,623 |
| Net interest margin | 2.8746% | 3,608 |
| Noninterest income to average assets | 41.9133% | 27 |
| Noninterest expense to average assets | 42.2184% | 19 |
| Loan and lease loss provision to assets | 0.1119% | 1,080 |
| Net operating income to assets | 2.1070% | 387 |
| Return on assets (ROA) | 2.1070% | 407 |
| Pretax return on assets | 2.1070% | 665 |
| Return on Equity (ROE) | 20.3711% | 400 |
| Retained earnings to average equity (ytd only) | 20.3711% | 117 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0067% | 215 |
| Assets per employee ($millions) | 0.6086% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 4,472 |
| Loan loss allowance to noncurrent loans | 165.0000% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,466 |
| Noncurrent loans to loans | 0.4360% | 2,249 |
| Net loans and leases to total assets | 57.1285% | 2,598 |
| Net loans and leases to deposits | 67.4047% | 2,496 |
| Net loans and leases to core deposits | 76.4200% | 2,011 |
| Total domestic deposits to total assets | 84.7545% | 3,198 |
| Equity capital to assets | 8.9135% | 3,913 |
| Core capital (leverage) ratio | 9.2605% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2696% | 669 |
| Memoranda: | ||
| Average total assets | $60,749,250 | 4,504 |
| Average earning assets | $53,339,000 | 4,529 |
| Average equity | $6,283,250 | 4,567 |
| Average total loans | $40,869,250 | 4,223 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2380% | 3,593 |
| Cost of funding earning assets | 0.4079% | 1,819 |
| Net interest margin | 2.8302% | 3,722 |
| Noninterest income to average assets | 28.9683% | 31 |
| Noninterest expense to average assets | 30.2618% | 27 |
| Loan and lease loss provision to assets | 0.0772% | 1,550 |
| Net operating income to assets | 1.1282% | 2,442 |
| Return on assets (ROA) | 1.1282% | 2,510 |
| Pretax return on assets | 1.1282% | 3,120 |
| Return on Equity (ROE) | 10.2180% | 2,671 |
| Retained earnings to average equity (ytd only) | 10.2180% | 1,336 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1696% | 217 |
| Assets per employee ($millions) | 0.6182% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5061% | 4,734 |
| Loan loss allowance to noncurrent loans | 124.4813% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 1,180 |
| Noncurrent loans to loans | 0.4065% | 2,461 |
| Net loans and leases to total assets | 75.7199% | 615 |
| Net loans and leases to deposits | 89.1290% | 705 |
| Net loans and leases to core deposits | 98.0158% | 721 |
| Total domestic deposits to total assets | 84.9554% | 3,116 |
| Equity capital to assets | 8.2842% | 4,364 |
| Core capital (leverage) ratio | 10.5114% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9028% | 1,664 |
| Memoranda: | ||
| Average total assets | $54,425,000 | 4,605 |
| Average earning assets | $48,053,667 | 4,621 |
| Average equity | $6,009,000 | 4,617 |
| Average total loans | $39,201,000 | 4,297 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3693% | 71 |
| Cost of funding earning assets | 0.4550% | 1,685 |
| Net interest margin | 5.9144% | 69 |
| Noninterest income to average assets | 12.3214% | 59 |
| Noninterest expense to average assets | 18.3181% | 39 |
| Loan and lease loss provision to assets | 0.0562% | 1,987 |
| Net operating income to assets | -0.9370% | 4,925 |
| Return on assets (ROA) | -0.9370% | 4,923 |
| Pretax return on assets | -0.9370% | 4,926 |
| Return on Equity (ROE) | -6.9120% | 4,913 |
| Retained earnings to average equity (ytd only) | -6.9120% | 4,745 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0510% | 143 |
| Assets per employee ($millions) | 0.5016% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 4,297 |
| Loan loss allowance to noncurrent loans | 117.2840% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 609 |
| Noncurrent loans to loans | 0.7240% | 1,795 |
| Net loans and leases to total assets | 72.1236% | 1,000 |
| Net loans and leases to deposits | 86.8816% | 894 |
| Net loans and leases to core deposits | 87.9214% | 1,371 |
| Total domestic deposits to total assets | 83.0137% | 3,683 |
| Equity capital to assets | 12.8860% | 950 |
| Core capital (leverage) ratio | 14.6468% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5325% | 478 |
| Memoranda: | ||
| Average total assets | $42,690,000 | 4,753 |
| Average earning assets | $36,927,000 | 4,769 |
| Average equity | $5,787,000 | 4,660 |
| Average total loans | $29,160,500 | 4,509 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 2,317 |
| Cost of funding earning assets | 0.7453% | 1,480 |
| Net interest margin | 3.3921% | 2,805 |
| Noninterest income to average assets | 1.4023% | 596 |
| Noninterest expense to average assets | 6.8374% | 108 |
| Loan and lease loss provision to assets | 0.0591% | 3,633 |
| Net operating income to assets | -2.5932% | 4,971 |
| Return on assets (ROA) | -2.5932% | 4,969 |
| Pretax return on assets | -2.5932% | 4,971 |
| Return on Equity (ROE) | -28.5070% | 4,985 |
| Retained earnings to average equity (ytd only) | -28.5070% | 4,976 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.8873% | 31 |
| Assets per employee ($millions) | 1.1211% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,321 |
| Loan loss allowance to noncurrent loans | 114.3443% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 522 |
| Noncurrent loans to loans | 0.9856% | 1,435 |
| Net loans and leases to total assets | 62.3824% | 2,557 |
| Net loans and leases to deposits | 76.9741% | 2,175 |
| Net loans and leases to core deposits | 78.0840% | 2,541 |
| Total domestic deposits to total assets | 81.0434% | 3,863 |
| Equity capital to assets | 14.3436% | 721 |
| Core capital (leverage) ratio | 14.4090% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3123% | 312 |
| Memoranda: | ||
| Average total assets | $32,161,200 | 4,853 |
| Average earning assets | $27,505,200 | 4,862 |
| Average equity | $2,925,600 | 4,912 |
| Average total loans | $20,320,800 | 4,707 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,657 |
| Cost of funding earning assets | 0.8461% | 1,275 |
| Net interest margin | 3.2598% | 3,310 |
| Noninterest income to average assets | 0.4826% | 2,686 |
| Noninterest expense to average assets | 6.6638% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -3.4262% | 5,010 |
| Return on assets (ROA) | -3.4262% | 5,010 |
| Pretax return on assets | -3.4262% | 5,011 |
| Return on Equity (ROE) | -46.2803% | 5,023 |
| Retained earnings to average equity (ytd only) | -46.2803% | 5,012 |
| Net charge-offs to loans | 0.0139% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -390.5000% | 3,241 |
| Efficiency ratio | 205.8266% | 21 |
| Assets per employee ($millions) | 2.6278% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,436 |
| Loan loss allowance to noncurrent loans | 64.0898% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.7867% | 171 |
| Noncurrent loans to loans | 1.9375% | 640 |
| Net loans and leases to total assets | 59.8326% | 3,247 |
| Net loans and leases to deposits | 66.9900% | 3,545 |
| Net loans and leases to core deposits | 70.9870% | 3,557 |
| Total domestic deposits to total assets | 89.3156% | 639 |
| Equity capital to assets | 5.4856% | 5,015 |
| Core capital (leverage) ratio | 5.4661% | 5,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9761% | 3,095 |
| Memoranda: | ||
| Average total assets | $30,392,250 | 4,899 |
| Average earning assets | $25,685,750 | 4,907 |
| Average equity | $2,250,000 | 4,983 |
| Average total loans | $19,212,000 | 4,765 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,441 |
| Cost of funding earning assets | 0.9037% | 1,361 |
| Net interest margin | 3.4094% | 3,070 |
| Noninterest income to average assets | 0.4462% | 2,821 |
| Noninterest expense to average assets | 7.1596% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -3.8647% | 5,040 |
| Return on assets (ROA) | -3.8647% | 5,040 |
| Pretax return on assets | -3.8647% | 5,036 |
| Return on Equity (ROE) | -47.4039% | 5,055 |
| Retained earnings to average equity (ytd only) | -47.4039% | 5,046 |
| Net charge-offs to loans | 0.0427% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -140.7500% | 3,028 |
| Efficiency ratio | 217.2917% | 17 |
| Assets per employee ($millions) | 2.8484% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 1,985 |
| Loan loss allowance to noncurrent loans | 63.5236% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.7910% | 186 |
| Noncurrent loans to loans | 2.0527% | 644 |
| Net loans and leases to total assets | 56.6894% | 3,632 |
| Net loans and leases to deposits | 65.9845% | 3,723 |
| Net loans and leases to core deposits | 70.0846% | 3,697 |
| Total domestic deposits to total assets | 85.9132% | 2,049 |
| Equity capital to assets | 6.1204% | 5,034 |
| Core capital (leverage) ratio | 6.7030% | 5,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5385% | 2,797 |
| Memoranda: | ||
| Average total assets | $29,135,667 | 4,940 |
| Average earning assets | $24,344,667 | 4,950 |
| Average equity | $2,375,333 | 5,005 |
| Average total loans | $18,717,000 | 4,797 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 969 |
| Cost of funding earning assets | 0.9630% | 1,591 |
| Net interest margin | 4.0371% | 1,293 |
| Noninterest income to average assets | 0.4960% | 2,565 |
| Noninterest expense to average assets | 7.9209% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -4.1483% | 5,089 |
| Return on assets (ROA) | -4.1483% | 5,081 |
| Pretax return on assets | -4.1483% | 5,074 |
| Return on Equity (ROE) | -43.8617% | 5,099 |
| Retained earnings to average equity (ytd only) | -43.8617% | 5,078 |
| Net charge-offs to loans | 0.0876% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -69.0000% | 2,562 |
| Efficiency ratio | 209.9602% | 24 |
| Assets per employee ($millions) | 2.0817% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,727 |
| Loan loss allowance to noncurrent loans | 62.8079% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 3.5363% | 133 |
| Noncurrent loans to loans | 2.2174% | 603 |
| Net loans and leases to total assets | 66.7172% | 2,731 |
| Net loans and leases to deposits | 85.0928% | 2,103 |
| Net loans and leases to core deposits | 85.0928% | 2,750 |
| Total domestic deposits to total assets | 78.4051% | 4,155 |
| Equity capital to assets | 8.7909% | 4,696 |
| Core capital (leverage) ratio | 9.0940% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6659% | 2,019 |
| Memoranda: | ||
| Average total assets | $26,613,000 | 5,003 |
| Average earning assets | $21,599,500 | 5,016 |
| Average equity | $2,517,000 | 5,042 |
| Average total loans | $18,259,000 | 4,842 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 1,241 |
| Cost of funding earning assets | 0.9218% | 2,103 |
| Net interest margin | 4.1653% | 1,384 |
| Noninterest income to average assets | 0.1859% | 4,554 |
| Noninterest expense to average assets | 8.4884% | 86 |
| Loan and lease loss provision to assets | -0.0968% | 5,073 |
| Net operating income to assets | -4.8987% | 5,163 |
| Return on assets (ROA) | -4.8987% | 5,163 |
| Pretax return on assets | -4.8987% | 5,163 |
| Return on Equity (ROE) | -38.6543% | 5,168 |
| Retained earnings to average equity (ytd only) | -38.6543% | 5,165 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 243.0155% | 16 |
| Assets per employee ($millions) | 2.0126% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,428 |
| Loan loss allowance to noncurrent loans | 63.4146% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 5.0833% | 54 |
| Noncurrent loans to loans | 2.2518% | 540 |
| Net loans and leases to total assets | 68.5981% | 2,600 |
| Net loans and leases to deposits | 91.2734% | 1,457 |
| Net loans and leases to core deposits | 91.2734% | 2,302 |
| Total domestic deposits to total assets | 75.1567% | 4,688 |
| Equity capital to assets | 10.1475% | 3,790 |
| Core capital (leverage) ratio | 10.2573% | 3,234 |
| Tier 1 risk-based capital ratio | 14.5623% | 2,984 |
| Total risk-based capital ratio | 15.8129% | 2,890 |
| Memoranda: | ||
| Average total assets | $25,823,400 | 5,067 |
| Average earning assets | $20,502,600 | 5,084 |
| Average equity | $3,272,600 | 5,056 |
| Average total loans | $17,511,400 | 4,921 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 1,486 |
| Cost of funding earning assets | 0.9094% | 2,192 |
| Net interest margin | 4.1117% | 1,587 |
| Noninterest income to average assets | 0.4921% | 2,783 |
| Noninterest expense to average assets | 8.7391% | 88 |
| Loan and lease loss provision to assets | -0.1295% | 5,182 |
| Net operating income to assets | -4.8383% | 5,244 |
| Return on assets (ROA) | -4.8383% | 5,244 |
| Pretax return on assets | -4.8383% | 5,244 |
| Return on Equity (ROE) | -36.3379% | 5,244 |
| Retained earnings to average equity (ytd only) | -36.3379% | 5,235 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 231.7308% | 17 |
| Assets per employee ($millions) | 2.0202% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,340 |
| Loan loss allowance to noncurrent loans | 69.7051% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 5.2966% | 67 |
| Noncurrent loans to loans | 2.1041% | 630 |
| Net loans and leases to total assets | 66.5105% | 2,988 |
| Net loans and leases to deposits | 86.3634% | 2,151 |
| Net loans and leases to core deposits | 88.7461% | 2,660 |
| Total domestic deposits to total assets | 77.0124% | 4,513 |
| Equity capital to assets | 11.3700% | 2,774 |
| Core capital (leverage) ratio | 11.9665% | 1,872 |
| Tier 1 risk-based capital ratio | 17.0405% | 2,073 |
| Total risk-based capital ratio | 18.2902% | 2,026 |
| Memoranda: | ||
| Average total assets | $25,738,250 | 5,145 |
| Average earning assets | $20,526,500 | 5,163 |
| Average equity | $3,427,000 | 5,118 |
| Average total loans | $17,337,250 | 4,997 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 1,353 |
| Cost of funding earning assets | 0.9226% | 2,039 |
| Net interest margin | 4.1268% | 1,532 |
| Noninterest income to average assets | 0.3912% | 3,331 |
| Noninterest expense to average assets | 9.1067% | 77 |
| Loan and lease loss provision to assets | -0.1956% | 5,246 |
| Net operating income to assets | -5.2653% | 5,291 |
| Return on assets (ROA) | -5.2653% | 5,290 |
| Pretax return on assets | -5.2653% | 5,290 |
| Return on Equity (ROE) | -37.6609% | 5,293 |
| Retained earnings to average equity (ytd only) | -37.6609% | 5,282 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 249.7854% | 12 |
| Assets per employee ($millions) | 1.6341% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 1,323 |
| Loan loss allowance to noncurrent loans | 53.2787% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 6.1439% | 50 |
| Noncurrent loans to loans | 2.7862% | 383 |
| Net loans and leases to total assets | 70.3941% | 2,475 |
| Net loans and leases to deposits | 90.9786% | 1,632 |
| Net loans and leases to core deposits | 93.6499% | 2,269 |
| Total domestic deposits to total assets | 77.3743% | 4,513 |
| Equity capital to assets | 13.2466% | 1,472 |
| Core capital (leverage) ratio | 12.8630% | 1,371 |
| Tier 1 risk-based capital ratio | 18.3146% | 1,719 |
| Total risk-based capital ratio | 19.5668% | 1,681 |
| Memoranda: | ||
| Average total assets | $25,563,670 | 5,193 |
| Average earning assets | $20,160,670 | 5,213 |
| Average equity | $3,574,000 | 5,143 |
| Average total loans | $17,207,330 | 5,041 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 1,663 |
| Cost of funding earning assets | 0.9403% | 1,832 |
| Net interest margin | 3.9375% | 2,070 |
| Noninterest income to average assets | 0.2913% | 3,928 |
| Noninterest expense to average assets | 8.9691% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -5.5961% | 5,353 |
| Return on assets (ROA) | -5.5961% | 5,352 |
| Pretax return on assets | -5.5961% | 5,350 |
| Return on Equity (ROE) | -39.0635% | 5,349 |
| Retained earnings to average equity (ytd only) | -39.0635% | 5,325 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 265.9091% | 9 |
| Assets per employee ($millions) | 1.8453% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,000 |
| Loan loss allowance to noncurrent loans | 57.1142% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 7.0682% | 35 |
| Noncurrent loans to loans | 2.8634% | 405 |
| Net loans and leases to total assets | 66.3544% | 2,999 |
| Net loans and leases to deposits | 83.5502% | 2,436 |
| Net loans and leases to core deposits | 85.8044% | 2,882 |
| Total domestic deposits to total assets | 79.4186% | 4,266 |
| Equity capital to assets | 13.7609% | 1,116 |
| Core capital (leverage) ratio | 13.7801% | 1,006 |
| Tier 1 risk-based capital ratio | 19.4592% | 1,450 |
| Total risk-based capital ratio | 20.7127% | 1,424 |
| Memoranda: | ||
| Average total assets | $26,089,500 | 5,242 |
| Average earning assets | $20,419,000 | 5,266 |
| Average equity | $3,737,500 | 5,177 |
| Average total loans | $17,053,500 | 5,104 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 2,366 |
| Cost of funding earning assets | 0.8797% | 1,179 |
| Net interest margin | 3.6514% | 3,216 |
| Noninterest income to average assets | 0.9717% | 1,003 |
| Noninterest expense to average assets | 9.0546% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -5.2162% | 5,396 |
| Return on assets (ROA) | -5.2162% | 5,396 |
| Pretax return on assets | -5.2162% | 5,394 |
| Return on Equity (ROE) | -48.4183% | 5,395 |
| Retained earnings to average equity (ytd only) | -48.4183% | 5,394 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 235.8951% | 11 |
| Assets per employee ($millions) | 1.6466% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 821 |
| Loan loss allowance to noncurrent loans | 56.2130% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 7.5992% | 33 |
| Noncurrent loans to loans | 3.0396% | 330 |
| Net loans and leases to total assets | 62.2319% | 3,539 |
| Net loans and leases to deposits | 77.7014% | 3,202 |
| Net loans and leases to core deposits | 83.7976% | 3,111 |
| Total domestic deposits to total assets | 80.0911% | 4,085 |
| Equity capital to assets | 14.8795% | 734 |
| Core capital (leverage) ratio | 14.2654% | 850 |
| Tier 1 risk-based capital ratio | 22.2380% | 995 |
| Total risk-based capital ratio | 23.4920% | 974 |
| Memoranda: | ||
| Average total assets | $28,814,000 | 5,257 |
| Average earning assets | $22,621,400 | 5,292 |
| Average equity | $3,104,200 | 5,275 |
| Average total loans | $17,606,600 | 5,131 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 2,434 |
| Cost of funding earning assets | 0.8816% | 995 |
| Net interest margin | 3.5782% | 3,439 |
| Noninterest income to average assets | 2.0341% | 267 |
| Noninterest expense to average assets | 8.7116% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -3.8643% | 5,462 |
| Return on assets (ROA) | -3.8643% | 5,462 |
| Pretax return on assets | -3.8643% | 5,461 |
| Return on Equity (ROE) | -39.2139% | 5,464 |
| Retained earnings to average equity (ytd only) | -39.2139% | 5,460 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.7196% | 14 |
| Assets per employee ($millions) | 1.6526% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 930 |
| Loan loss allowance to noncurrent loans | 55.0193% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 9.8384% | 20 |
| Noncurrent loans to loans | 3.0356% | 358 |
| Net loans and leases to total assets | 59.7245% | 3,871 |
| Net loans and leases to deposits | 75.3266% | 3,477 |
| Net loans and leases to core deposits | 80.8860% | 3,417 |
| Total domestic deposits to total assets | 79.2874% | 4,261 |
| Equity capital to assets | 16.2704% | 491 |
| Core capital (leverage) ratio | 15.7946% | 550 |
| Tier 1 risk-based capital ratio | 24.6308% | 785 |
| Total risk-based capital ratio | 25.8812% | 765 |
| Memoranda: | ||
| Average total assets | $29,431,250 | 5,318 |
| Average earning assets | $23,139,500 | 5,354 |
| Average equity | $2,900,250 | 5,357 |
| Average total loans | $17,838,250 | 5,185 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 2,388 |
| Cost of funding earning assets | 0.8951% | 748 |
| Net interest margin | 3.5124% | 3,593 |
| Noninterest income to average assets | 2.1890% | 248 |
| Noninterest expense to average assets | 8.4212% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -3.4742% | 5,525 |
| Return on assets (ROA) | -3.4742% | 5,522 |
| Pretax return on assets | -3.4742% | 5,521 |
| Return on Equity (ROE) | -44.2959% | 5,530 |
| Retained earnings to average equity (ytd only) | -44.2959% | 5,525 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.2300% | 18 |
| Assets per employee ($millions) | 1.8274% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 1,012 |
| Loan loss allowance to noncurrent loans | 54.2857% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 9.9867% | 20 |
| Noncurrent loans to loans | 3.0190% | 376 |
| Net loans and leases to total assets | 58.5006% | 3,950 |
| Net loans and leases to deposits | 69.0832% | 3,942 |
| Net loans and leases to core deposits | 72.0757% | 4,002 |
| Total domestic deposits to total assets | 84.6814% | 2,802 |
| Equity capital to assets | 10.9511% | 2,681 |
| Core capital (leverage) ratio | 10.7258% | 2,773 |
| Tier 1 risk-based capital ratio | 16.7041% | 2,192 |
| Total risk-based capital ratio | 17.9565% | 2,138 |
| Memoranda: | ||
| Average total assets | $29,877,000 | 5,374 |
| Average earning assets | $23,460,000 | 5,411 |
| Average equity | $2,343,330 | 5,462 |
| Average total loans | $18,096,330 | 5,238 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,423 |
| Cost of funding earning assets | 0.9096% | 567 |
| Net interest margin | 3.4192% | 3,823 |
| Noninterest income to average assets | 2.1857% | 242 |
| Noninterest expense to average assets | 8.3455% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -3.4707% | 5,585 |
| Return on assets (ROA) | -3.4707% | 5,583 |
| Pretax return on assets | -3.4707% | 5,583 |
| Return on Equity (ROE) | -54.7544% | 5,594 |
| Retained earnings to average equity (ytd only) | -54.7544% | 5,589 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.1957% | 25 |
| Assets per employee ($millions) | 1.6464% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,154 |
| Loan loss allowance to noncurrent loans | 53.1716% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 10.4539% | 19 |
| Noncurrent loans to loans | 3.0116% | 399 |
| Net loans and leases to total assets | 59.0957% | 3,842 |
| Net loans and leases to deposits | 66.5944% | 4,047 |
| Net loans and leases to core deposits | 72.0611% | 3,953 |
| Total domestic deposits to total assets | 88.7397% | 1,241 |
| Equity capital to assets | 7.2482% | 5,480 |
| Core capital (leverage) ratio | 7.1631% | 5,537 |
| Tier 1 risk-based capital ratio | 10.9692% | 5,145 |
| Total risk-based capital ratio | 12.2209% | 5,047 |
| Memoranda: | ||
| Average total assets | $30,196,000 | 5,431 |
| Average earning assets | $23,748,000 | 5,468 |
| Average equity | $1,914,000 | 5,553 |
| Average total loans | $18,449,500 | 5,289 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,213 |
| Cost of funding earning assets | 0.8911% | 394 |
| Net interest margin | 3.4473% | 3,694 |
| Noninterest income to average assets | 1.2224% | 699 |
| Noninterest expense to average assets | 6.6930% | 127 |
| Loan and lease loss provision to assets | -0.1150% | 5,497 |
| Net operating income to assets | -2.6404% | 5,646 |
| Return on assets (ROA) | -2.6404% | 5,646 |
| Pretax return on assets | -2.6404% | 5,649 |
| Return on Equity (ROE) | -46.9085% | 5,660 |
| Retained earnings to average equity (ytd only) | -46.9085% | 5,655 |
| Net charge-offs to loans | -0.0392% | 5,125 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.9781% | 18 |
| Assets per employee ($millions) | 1.8092% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,431 |
| Loan loss allowance to noncurrent loans | 52.5830% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 10.6837% | 22 |
| Noncurrent loans to loans | 2.8375% | 409 |
| Net loans and leases to total assets | 61.1763% | 3,712 |
| Net loans and leases to deposits | 67.7078% | 4,046 |
| Net loans and leases to core deposits | 72.9274% | 3,975 |
| Total domestic deposits to total assets | 90.3534% | 449 |
| Equity capital to assets | 5.4622% | 5,642 |
| Core capital (leverage) ratio | 5.1983% | 5,649 |
| Tier 1 risk-based capital ratio | 7.9802% | 5,649 |
| Total risk-based capital ratio | 9.2310% | 5,649 |
| Memoranda: | ||
| Average total assets | $34,767,600 | 5,419 |
| Average earning assets | $27,383,400 | 5,481 |
| Average equity | $1,957,000 | 5,611 |
| Average total loans | $20,403,800 | 5,301 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 2,239 |
| Cost of funding earning assets | 0.8940% | 363 |
| Net interest margin | 3.4152% | 3,794 |
| Noninterest income to average assets | 1.2599% | 661 |
| Noninterest expense to average assets | 6.2546% | 138 |
| Loan and lease loss provision to assets | -0.1491% | 5,627 |
| Net operating income to assets | -2.1544% | 5,715 |
| Return on assets (ROA) | -2.1544% | 5,714 |
| Pretax return on assets | -2.1544% | 5,715 |
| Return on Equity (ROE) | -38.0333% | 5,724 |
| Retained earnings to average equity (ytd only) | -38.0333% | 5,713 |
| Net charge-offs to loans | -0.0515% | 5,173 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.3019% | 19 |
| Assets per employee ($millions) | 2.1096% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 1,723 |
| Loan loss allowance to noncurrent loans | 62.3632% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 11.0538% | 21 |
| Noncurrent loans to loans | 2.3150% | 684 |
| Net loans and leases to total assets | 57.6423% | 4,098 |
| Net loans and leases to deposits | 61.3599% | 4,563 |
| Net loans and leases to core deposits | 66.8361% | 4,435 |
| Total domestic deposits to total assets | 93.9413% | 13 |
| Equity capital to assets | 5.2321% | 5,714 |
| Core capital (leverage) ratio | 5.1097% | 5,716 |
| Tier 1 risk-based capital ratio | 7.9533% | 5,714 |
| Total risk-based capital ratio | 9.2029% | 5,714 |
| Memoranda: | ||
| Average total assets | $35,770,250 | 5,463 |
| Average earning assets | $28,187,000 | 5,525 |
| Average equity | $2,026,250 | 5,670 |
| Average total loans | $20,729,500 | 5,350 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,153 |
| Cost of funding earning assets | 0.8949% | 318 |
| Net interest margin | 3.3992% | 3,773 |
| Noninterest income to average assets | 0.9769% | 1,078 |
| Noninterest expense to average assets | 6.1521% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -2.4861% | 5,764 |
| Return on assets (ROA) | -2.4861% | 5,763 |
| Pretax return on assets | -2.4861% | 5,762 |
| Return on Equity (ROE) | -42.8774% | 5,774 |
| Retained earnings to average equity (ytd only) | -42.8774% | 5,761 |
| Net charge-offs to loans | -0.0760% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.8144% | 19 |
| Assets per employee ($millions) | 2.5655% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,308 |
| Loan loss allowance to noncurrent loans | 114.0351% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 9.9090% | 29 |
| Noncurrent loans to loans | 1.3876% | 1,393 |
| Net loans and leases to total assets | 56.2798% | 4,199 |
| Net loans and leases to deposits | 59.9413% | 4,635 |
| Net loans and leases to core deposits | 65.4789% | 4,510 |
| Total domestic deposits to total assets | 93.8915% | 15 |
| Equity capital to assets | 5.2649% | 5,763 |
| Core capital (leverage) ratio | 5.2557% | 5,764 |
| Tier 1 risk-based capital ratio | 8.4305% | 5,759 |
| Total risk-based capital ratio | 9.6807% | 5,756 |
| Memoranda: | ||
| Average total assets | $36,442,670 | 5,495 |
| Average earning assets | $28,830,330 | 5,562 |
| Average equity | $2,113,000 | 5,711 |
| Average total loans | $21,059,000 | 5,377 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 2,985 |
| Cost of funding earning assets | 0.8813% | 314 |
| Net interest margin | 3.1320% | 4,556 |
| Noninterest income to average assets | 0.8718% | 1,330 |
| Noninterest expense to average assets | 6.0045% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.6154% | 5,836 |
| Return on assets (ROA) | -2.6154% | 5,836 |
| Pretax return on assets | -2.6154% | 5,829 |
| Return on Equity (ROE) | -43.1655% | 5,842 |
| Retained earnings to average equity (ytd only) | -43.1655% | 5,816 |
| Net charge-offs to loans | -0.1126% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.1704% | 23 |
| Assets per employee ($millions) | 2.5409% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 1,397 |
| Loan loss allowance to noncurrent loans | 103.5256% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 10.0807% | 34 |
| Noncurrent loans to loans | 1.5407% | 1,279 |
| Net loans and leases to total assets | 56.0200% | 4,166 |
| Net loans and leases to deposits | 59.9302% | 4,567 |
| Net loans and leases to core deposits | 68.7528% | 4,240 |
| Total domestic deposits to total assets | 93.4754% | 25 |
| Equity capital to assets | 5.9146% | 5,811 |
| Core capital (leverage) ratio | 5.7511% | 5,814 |
| Tier 1 risk-based capital ratio | 9.4563% | 5,776 |
| Total risk-based capital ratio | 10.7075% | 5,767 |
| Memoranda: | ||
| Average total assets | $36,705,500 | 5,551 |
| Average earning assets | $29,501,500 | 5,617 |
| Average equity | $2,224,000 | 5,763 |
| Average total loans | $21,319,000 | 5,427 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 2,883 |
| Cost of funding earning assets | 0.8980% | 302 |
| Net interest margin | 3.1948% | 4,470 |
| Noninterest income to average assets | 0.8256% | 1,660 |
| Noninterest expense to average assets | 5.7019% | 185 |
| Loan and lease loss provision to assets | 0.0721% | 2,913 |
| Net operating income to assets | -2.3914% | 5,885 |
| Return on assets (ROA) | -2.3914% | 5,885 |
| Pretax return on assets | -2.3914% | 5,883 |
| Return on Equity (ROE) | -39.2751% | 5,900 |
| Retained earnings to average equity (ytd only) | -39.2751% | 5,895 |
| Net charge-offs to loans | 0.0590% | 2,865 |
| Credit loss provision to net charge-offs | 207.6923% | 1,368 |
| Earnings coverage of net charge-offs (x) | -66.7692% | 4,272 |
| Efficiency ratio | 168.5624% | 22 |
| Assets per employee ($millions) | 2.7027% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,012 |
| Loan loss allowance to noncurrent loans | 47.3842% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 9.4614% | 40 |
| Noncurrent loans to loans | 2.9883% | 460 |
| Net loans and leases to total assets | 58.3276% | 4,036 |
| Net loans and leases to deposits | 62.6864% | 4,491 |
| Net loans and leases to core deposits | 71.3040% | 4,129 |
| Total domestic deposits to total assets | 93.0467% | 38 |
| Equity capital to assets | 6.1948% | 5,850 |
| Core capital (leverage) ratio | 6.1251% | 5,854 |
| Tier 1 risk-based capital ratio | 9.7770% | 5,784 |
| Total risk-based capital ratio | 11.0257% | 5,761 |
| Memoranda: | ||
| Average total assets | $37,425,800 | 5,582 |
| Average earning assets | $29,955,000 | 5,660 |
| Average equity | $2,278,800 | 5,820 |
| Average total loans | $22,030,000 | 5,443 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 2,889 |
| Cost of funding earning assets | 0.8964% | 303 |
| Net interest margin | 3.2001% | 4,490 |
| Noninterest income to average assets | 0.8395% | 1,608 |
| Noninterest expense to average assets | 5.8087% | 182 |
| Loan and lease loss provision to assets | 0.0965% | 2,300 |
| Net operating income to assets | -2.5149% | 5,954 |
| Return on assets (ROA) | -2.5149% | 5,954 |
| Pretax return on assets | -2.5149% | 5,953 |
| Return on Equity (ROE) | -41.4869% | 5,967 |
| Retained earnings to average equity (ytd only) | -41.4869% | 5,960 |
| Net charge-offs to loans | 0.0972% | 1,974 |
| Credit loss provision to net charge-offs | 168.7500% | 1,643 |
| Earnings coverage of net charge-offs (x) | -42.3179% | 3,939 |
| Efficiency ratio | 171.3383% | 24 |
| Assets per employee ($millions) | 2.7797% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 2,139 |
| Loan loss allowance to noncurrent loans | 46.6568% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 9.2096% | 49 |
| Noncurrent loans to loans | 3.0308% | 486 |
| Net loans and leases to total assets | 56.2519% | 4,280 |
| Net loans and leases to deposits | 59.9918% | 4,762 |
| Net loans and leases to core deposits | 67.3652% | 4,519 |
| Total domestic deposits to total assets | 93.7661% | 21 |
| Equity capital to assets | 5.4630% | 5,942 |
| Core capital (leverage) ratio | 5.4193% | 5,942 |
| Tier 1 risk-based capital ratio | 8.8001% | 5,929 |
| Total risk-based capital ratio | 10.0490% | 5,930 |
| Memoranda: | ||
| Average total assets | $37,322,750 | 5,649 |
| Average earning assets | $29,748,750 | 5,724 |
| Average equity | $2,262,500 | 5,882 |
| Average total loans | $21,940,750 | 5,503 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,975 |
| Cost of funding earning assets | 0.8653% | 344 |
| Net interest margin | 3.2092% | 4,512 |
| Noninterest income to average assets | 0.8371% | 1,587 |
| Noninterest expense to average assets | 5.8655% | 176 |
| Loan and lease loss provision to assets | 0.1468% | 1,560 |
| Net operating income to assets | -2.6147% | 6,028 |
| Return on assets (ROA) | -2.6147% | 6,029 |
| Pretax return on assets | -2.6147% | 6,024 |
| Return on Equity (ROE) | -41.6811% | 6,040 |
| Retained earnings to average equity (ytd only) | -41.6811% | 6,027 |
| Net charge-offs to loans | 0.0458% | 2,559 |
| Credit loss provision to net charge-offs | 540.0000% | 619 |
| Earnings coverage of net charge-offs (x) | -90.8000% | 3,681 |
| Efficiency ratio | 172.6400% | 27 |
| Assets per employee ($millions) | 2.8124% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 2,088 |
| Loan loss allowance to noncurrent loans | 47.3071% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 9.3033% | 54 |
| Noncurrent loans to loans | 3.0539% | 484 |
| Net loans and leases to total assets | 56.3102% | 4,271 |
| Net loans and leases to deposits | 60.3785% | 4,771 |
| Net loans and leases to core deposits | 67.1971% | 4,533 |
| Total domestic deposits to total assets | 93.2619% | 26 |
| Equity capital to assets | 5.9686% | 6,014 |
| Core capital (leverage) ratio | 6.3243% | 5,987 |
| Tier 1 risk-based capital ratio | 9.3714% | 5,971 |
| Total risk-based capital ratio | 10.6182% | 5,956 |
| Memoranda: | ||
| Average total assets | $36,791,670 | 5,725 |
| Average earning assets | $29,353,000 | 5,803 |
| Average equity | $2,308,000 | 5,953 |
| Average total loans | $21,852,670 | 5,565 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 2,504 |
| Cost of funding earning assets | 0.8750% | 325 |
| Net interest margin | 3.3166% | 4,157 |
| Noninterest income to average assets | 0.8563% | 1,427 |
| Noninterest expense to average assets | 6.0055% | 176 |
| Loan and lease loss provision to assets | 0.0225% | 3,390 |
| Net operating income to assets | -2.5239% | 6,087 |
| Return on assets (ROA) | -2.5239% | 6,086 |
| Pretax return on assets | -2.5239% | 6,084 |
| Return on Equity (ROE) | -39.1780% | 6,098 |
| Retained earnings to average equity (ytd only) | -39.1780% | 6,057 |
| Net charge-offs to loans | 0.1486% | 1,220 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | -27.7500% | 3,083 |
| Efficiency ratio | 171.3826% | 30 |
| Assets per employee ($millions) | 2.5670% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,608 |
| Loan loss allowance to noncurrent loans | 36.1314% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 10.2315% | 53 |
| Noncurrent loans to loans | 3.7641% | 341 |
| Net loans and leases to total assets | 59.9393% | 3,784 |
| Net loans and leases to deposits | 65.0785% | 4,333 |
| Net loans and leases to core deposits | 70.4599% | 4,209 |
| Total domestic deposits to total assets | 92.1031% | 101 |
| Equity capital to assets | 7.2569% | 5,986 |
| Core capital (leverage) ratio | 7.5379% | 5,920 |
| Tier 1 risk-based capital ratio | 10.5661% | 5,723 |
| Total risk-based capital ratio | 11.7721% | 5,649 |
| Memoranda: | ||
| Average total assets | $35,501,000 | 5,813 |
| Average earning assets | $28,342,500 | 5,875 |
| Average equity | $2,287,000 | 6,017 |
| Average total loans | $21,531,000 | 5,629 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 998 |
| Cost of funding earning assets | 0.8470% | 375 |
| Net interest margin | 3.9095% | 1,993 |
| Noninterest income to average assets | 0.7107% | 2,153 |
| Noninterest expense to average assets | 5.7127% | 194 |
| Loan and lease loss provision to assets | -0.7724% | 6,162 |
| Net operating income to assets | -1.0728% | 6,103 |
| Return on assets (ROA) | -1.0728% | 6,104 |
| Pretax return on assets | -1.0728% | 6,105 |
| Return on Equity (ROE) | -19.5027% | 6,138 |
| Retained earnings to average equity (ytd only) | -19.5027% | 6,118 |
| Net charge-offs to loans | -0.9019% | 6,126 |
| Credit loss provision to net charge-offs | 134.5794% | 1,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.7115% | 42 |
| Assets per employee ($millions) | 2.9220% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 2,302 |
| Loan loss allowance to noncurrent loans | 36.9512% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 10.7717% | 48 |
| Noncurrent loans to loans | 3.8636% | 324 |
| Net loans and leases to total assets | 59.6652% | 3,882 |
| Net loans and leases to deposits | 63.6651% | 4,492 |
| Net loans and leases to core deposits | 68.3961% | 4,411 |
| Total domestic deposits to total assets | 93.7172% | 30 |
| Equity capital to assets | 5.6069% | 6,132 |
| Core capital (leverage) ratio | 5.4872% | 6,135 |
| Tier 1 risk-based capital ratio | 8.1040% | 6,133 |
| Total risk-based capital ratio | 9.3520% | 6,133 |
| Memoranda: | ||
| Average total assets | $37,285,200 | 5,816 |
| Average earning assets | $30,106,400 | 5,898 |
| Average equity | $2,051,000 | 6,092 |
| Average total loans | $23,726,800 | 5,598 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 1,672 |
| Cost of funding earning assets | 0.8473% | 380 |
| Net interest margin | 3.6285% | 3,039 |
| Noninterest income to average assets | 0.6695% | 2,391 |
| Noninterest expense to average assets | 5.6270% | 206 |
| Loan and lease loss provision to assets | 0.0352% | 3,518 |
| Net operating income to assets | -2.0507% | 6,229 |
| Return on assets (ROA) | -2.0507% | 6,230 |
| Pretax return on assets | -2.0507% | 6,227 |
| Return on Equity (ROE) | -37.4463% | 6,249 |
| Retained earnings to average equity (ytd only) | -37.4463% | 6,239 |
| Net charge-offs to loans | -0.0110% | 5,023 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.8049% | 37 |
| Assets per employee ($millions) | 2.8712% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 1,508 |
| Loan loss allowance to noncurrent loans | 34.1828% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 10.4005% | 55 |
| Noncurrent loans to loans | 4.9335% | 215 |
| Net loans and leases to total assets | 60.7582% | 3,767 |
| Net loans and leases to deposits | 64.1891% | 4,541 |
| Net loans and leases to core deposits | 68.6131% | 4,489 |
| Total domestic deposits to total assets | 94.6551% | 21 |
| Equity capital to assets | 4.7850% | 6,233 |
| Core capital (leverage) ratio | 4.7548% | 6,233 |
| Tier 1 risk-based capital ratio | 7.0039% | 6,234 |
| Total risk-based capital ratio | 8.2559% | 6,233 |
| Memoranda: | ||
| Average total assets | $37,840,500 | 5,883 |
| Average earning assets | $30,682,750 | 5,969 |
| Average equity | $2,072,250 | 6,175 |
| Average total loans | $24,352,500 | 5,646 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 1,723 |
| Cost of funding earning assets | 0.8471% | 389 |
| Net interest margin | 3.5903% | 3,126 |
| Noninterest income to average assets | 0.6366% | 2,545 |
| Noninterest expense to average assets | 5.5508% | 218 |
| Loan and lease loss provision to assets | 0.0526% | 3,069 |
| Net operating income to assets | -2.0678% | 6,305 |
| Return on assets (ROA) | -2.0678% | 6,306 |
| Pretax return on assets | -2.0678% | 6,305 |
| Return on Equity (ROE) | -36.2601% | 6,323 |
| Retained earnings to average equity (ytd only) | -36.2601% | 6,311 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.9940% | 38 |
| Assets per employee ($millions) | 2.9464% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,968 |
| Loan loss allowance to noncurrent loans | 27.3305% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 11.0540% | 52 |
| Noncurrent loans to loans | 5.7843% | 171 |
| Net loans and leases to total assets | 62.9011% | 3,426 |
| Net loans and leases to deposits | 66.6399% | 4,272 |
| Net loans and leases to core deposits | 71.1107% | 4,212 |
| Total domestic deposits to total assets | 94.3895% | 25 |
| Equity capital to assets | 5.1589% | 6,295 |
| Core capital (leverage) ratio | 5.0903% | 6,297 |
| Tier 1 risk-based capital ratio | 7.2862% | 6,302 |
| Total risk-based capital ratio | 8.5376% | 6,304 |
| Memoranda: | ||
| Average total assets | $38,012,330 | 5,946 |
| Average earning assets | $30,693,670 | 6,034 |
| Average equity | $2,167,670 | 6,236 |
| Average total loans | $24,781,000 | 5,669 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 1,990 |
| Cost of funding earning assets | 0.8402% | 398 |
| Net interest margin | 3.4921% | 3,470 |
| Noninterest income to average assets | 0.6232% | 2,535 |
| Noninterest expense to average assets | 5.5352% | 222 |
| Loan and lease loss provision to assets | 0.1056% | 1,941 |
| Net operating income to assets | -2.2077% | 6,372 |
| Return on assets (ROA) | -2.2077% | 6,374 |
| Pretax return on assets | -2.2077% | 6,370 |
| Return on Equity (ROE) | -36.9340% | 6,389 |
| Retained earnings to average equity (ytd only) | -36.9340% | 6,365 |
| Net charge-offs to loans | 0.5134% | 489 |
| Credit loss provision to net charge-offs | 31.2500% | 2,261 |
| Earnings coverage of net charge-offs (x) | -6.2188% | 3,236 |
| Efficiency ratio | 161.2308% | 37 |
| Assets per employee ($millions) | 2.7362% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 2,887 |
| Loan loss allowance to noncurrent loans | 21.1814% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 11.7315% | 51 |
| Noncurrent loans to loans | 6.6374% | 144 |
| Net loans and leases to total assets | 64.9907% | 2,938 |
| Net loans and leases to deposits | 69.5011% | 3,802 |
| Net loans and leases to core deposits | 74.1968% | 3,766 |
| Total domestic deposits to total assets | 93.5103% | 44 |
| Equity capital to assets | 5.6360% | 6,348 |
| Core capital (leverage) ratio | 5.7401% | 6,339 |
| Tier 1 risk-based capital ratio | 7.7474% | 6,359 |
| Total risk-based capital ratio | 8.9973% | 6,358 |
| Memoranda: | ||
| Average total assets | $37,867,000 | 6,006 |
| Average earning assets | $30,469,000 | 6,101 |
| Average equity | $2,263,500 | 6,293 |
| Average total loans | $24,931,500 | 5,717 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 2,010 |
| Cost of funding earning assets | 0.8225% | 577 |
| Net interest margin | 3.6424% | 3,248 |
| Noninterest income to average assets | 0.8077% | 1,845 |
| Noninterest expense to average assets | 5.3283% | 254 |
| Loan and lease loss provision to assets | 0.6727% | 191 |
| Net operating income to assets | -2.2378% | 6,462 |
| Return on assets (ROA) | -2.2245% | 6,461 |
| Pretax return on assets | -2.2245% | 6,455 |
| Return on Equity (ROE) | -30.2311% | 6,467 |
| Retained earnings to average equity (ytd only) | -30.2311% | 6,458 |
| Net charge-offs to loans | 1.4027% | 180 |
| Credit loss provision to net charge-offs | 73.6232% | 2,988 |
| Earnings coverage of net charge-offs (x) | -1.7130% | 4,829 |
| Efficiency ratio | 141.5904% | 62 |
| Assets per employee ($millions) | 2.4951% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 2,336 |
| Loan loss allowance to noncurrent loans | 32.0034% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 10.6394% | 77 |
| Noncurrent loans to loans | 4.7863% | 322 |
| Net loans and leases to total assets | 64.7527% | 3,097 |
| Net loans and leases to deposits | 69.5748% | 3,967 |
| Net loans and leases to core deposits | 73.3460% | 3,984 |
| Total domestic deposits to total assets | 93.0692% | 65 |
| Equity capital to assets | 6.3270% | 6,390 |
| Core capital (leverage) ratio | 6.3056% | 6,385 |
| Tier 1 risk-based capital ratio | 8.9482% | 6,409 |
| Total risk-based capital ratio | 10.1994% | 6,404 |
| Memoranda: | ||
| Average total assets | $37,760,600 | 6,086 |
| Average earning assets | $30,639,400 | 6,171 |
| Average equity | $2,778,600 | 6,308 |
| Average total loans | $24,594,600 | 5,796 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,151 |
| Cost of funding earning assets | 0.8138% | 641 |
| Net interest margin | 3.6076% | 3,397 |
| Noninterest income to average assets | 0.8702% | 1,623 |
| Noninterest expense to average assets | 5.1790% | 271 |
| Loan and lease loss provision to assets | 0.8949% | 128 |
| Net operating income to assets | -2.2830% | 6,539 |
| Return on assets (ROA) | -2.2830% | 6,539 |
| Pretax return on assets | -2.2830% | 6,532 |
| Return on Equity (ROE) | -29.9863% | 6,537 |
| Retained earnings to average equity (ytd only) | -29.9863% | 6,529 |
| Net charge-offs to loans | 1.2525% | 211 |
| Credit loss provision to net charge-offs | 109.9567% | 2,040 |
| Earnings coverage of net charge-offs (x) | -1.7056% | 4,548 |
| Efficiency ratio | 136.6171% | 80 |
| Assets per employee ($millions) | 3.1211% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 1,433 |
| Loan loss allowance to noncurrent loans | 28.3160% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 10.8109% | 77 |
| Noncurrent loans to loans | 6.7413% | 183 |
| Net loans and leases to total assets | 67.3671% | 2,635 |
| Net loans and leases to deposits | 72.7202% | 3,595 |
| Net loans and leases to core deposits | 76.6713% | 3,672 |
| Total domestic deposits to total assets | 92.6388% | 106 |
| Equity capital to assets | 6.8513% | 6,406 |
| Core capital (leverage) ratio | 6.8165% | 6,401 |
| Tier 1 risk-based capital ratio | 9.3836% | 6,452 |
| Total risk-based capital ratio | 10.6406% | 6,427 |
| Memoranda: | ||
| Average total assets | $37,844,000 | 6,159 |
| Average earning assets | $30,638,750 | 6,245 |
| Average equity | $2,881,250 | 6,364 |
| Average total loans | $24,590,250 | 5,857 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 2,327 |
| Cost of funding earning assets | 0.8255% | 626 |
| Net interest margin | 3.5358% | 3,628 |
| Noninterest income to average assets | 0.7742% | 1,941 |
| Noninterest expense to average assets | 5.0982% | 291 |
| Loan and lease loss provision to assets | 0.7110% | 184 |
| Net operating income to assets | -2.1699% | 6,598 |
| Return on assets (ROA) | -2.1699% | 6,599 |
| Pretax return on assets | -2.1699% | 6,593 |
| Return on Equity (ROE) | -27.5924% | 6,603 |
| Retained earnings to average equity (ytd only) | -27.5924% | 6,578 |
| Net charge-offs to loans | 1.1564% | 275 |
| Credit loss provision to net charge-offs | 96.4286% | 2,073 |
| Earnings coverage of net charge-offs (x) | -1.9786% | 4,240 |
| Efficiency ratio | 140.0868% | 66 |
| Assets per employee ($millions) | 3.1491% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 1,716 |
| Loan loss allowance to noncurrent loans | 32.7440% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 9.6404% | 103 |
| Noncurrent loans to loans | 5.6364% | 305 |
| Net loans and leases to total assets | 65.1618% | 2,887 |
| Net loans and leases to deposits | 70.8075% | 3,722 |
| Net loans and leases to core deposits | 74.0638% | 3,829 |
| Total domestic deposits to total assets | 92.0268% | 167 |
| Equity capital to assets | 7.4334% | 6,364 |
| Core capital (leverage) ratio | 7.3805% | 6,346 |
| Tier 1 risk-based capital ratio | 10.5560% | 6,230 |
| Total risk-based capital ratio | 11.8126% | 6,170 |
| Memoranda: | ||
| Average total assets | $37,974,330 | 6,216 |
| Average earning assets | $30,770,670 | 6,300 |
| Average equity | $2,986,330 | 6,397 |
| Average total loans | $24,213,000 | 5,919 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 2,731 |
| Cost of funding earning assets | 0.8476% | 591 |
| Net interest margin | 3.3903% | 4,166 |
| Noninterest income to average assets | 1.0403% | 1,037 |
| Noninterest expense to average assets | 5.3380% | 264 |
| Loan and lease loss provision to assets | 1.4186% | 72 |
| Net operating income to assets | -2.9842% | 6,691 |
| Return on assets (ROA) | -2.9842% | 6,691 |
| Pretax return on assets | -2.9842% | 6,687 |
| Return on Equity (ROE) | -36.9431% | 6,675 |
| Retained earnings to average equity (ytd only) | -36.9431% | 6,643 |
| Net charge-offs to loans | 2.3721% | 98 |
| Credit loss provision to net charge-offs | 95.7447% | 1,740 |
| Earnings coverage of net charge-offs (x) | -1.0567% | 3,515 |
| Efficiency ratio | 141.5042% | 85 |
| Assets per employee ($millions) | 2.9131% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 1,726 |
| Loan loss allowance to noncurrent loans | 32.6964% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 9.6409% | 121 |
| Noncurrent loans to loans | 5.8355% | 322 |
| Net loans and leases to total assets | 62.7198% | 3,117 |
| Net loans and leases to deposits | 68.2391% | 3,836 |
| Net loans and leases to core deposits | 71.3702% | 3,937 |
| Total domestic deposits to total assets | 91.9118% | 270 |
| Equity capital to assets | 7.7449% | 6,210 |
| Core capital (leverage) ratio | 7.7027% | 6,268 |
| Tier 1 risk-based capital ratio | 11.3062% | 6,015 |
| Total risk-based capital ratio | 12.5620% | 5,960 |
| Memoranda: | ||
| Average total assets | $38,067,000 | 6,282 |
| Average earning assets | $30,675,500 | 6,366 |
| Average equity | $3,075,000 | 6,431 |
| Average total loans | $23,776,000 | 5,993 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,835 |
| Cost of funding earning assets | 0.9471% | 587 |
| Net interest margin | 3.3855% | 4,332 |
| Noninterest income to average assets | 0.4526% | 4,078 |
| Noninterest expense to average assets | 5.0762% | 331 |
| Loan and lease loss provision to assets | 0.6848% | 338 |
| Net operating income to assets | -2.6123% | 6,740 |
| Return on assets (ROA) | -2.6123% | 6,743 |
| Pretax return on assets | -2.6123% | 6,741 |
| Return on Equity (ROE) | -33.5012% | 6,738 |
| Retained earnings to average equity (ytd only) | -33.5012% | 6,735 |
| Net charge-offs to loans | 0.4357% | 1,524 |
| Credit loss provision to net charge-offs | 269.8113% | 837 |
| Earnings coverage of net charge-offs (x) | -7.5943% | 5,413 |
| Efficiency ratio | 161.2167% | 53 |
| Assets per employee ($millions) | 2.9434% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 1,536 |
| Loan loss allowance to noncurrent loans | 32.7961% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 11.0156% | 105 |
| Noncurrent loans to loans | 6.1145% | 332 |
| Net loans and leases to total assets | 59.7690% | 3,758 |
| Net loans and leases to deposits | 65.6542% | 4,334 |
| Net loans and leases to core deposits | 68.6560% | 4,432 |
| Total domestic deposits to total assets | 91.0360% | 553 |
| Equity capital to assets | 8.4074% | 5,684 |
| Core capital (leverage) ratio | 8.3656% | 5,813 |
| Tier 1 risk-based capital ratio | 12.2799% | 5,442 |
| Total risk-based capital ratio | 13.5344% | 5,366 |
| Memoranda: | ||
| Average total assets | $41,763,200 | 6,235 |
| Average earning assets | $33,259,200 | 6,365 |
| Average equity | $3,256,600 | 6,485 |
| Average total loans | $24,328,200 | 6,016 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 2,986 |
| Cost of funding earning assets | 0.9509% | 642 |
| Net interest margin | 3.3517% | 4,457 |
| Noninterest income to average assets | 0.2377% | 5,735 |
| Noninterest expense to average assets | 4.9157% | 361 |
| Loan and lease loss provision to assets | 0.8943% | 199 |
| Net operating income to assets | -2.9050% | 6,842 |
| Return on assets (ROA) | -2.9050% | 6,845 |
| Pretax return on assets | -2.9050% | 6,840 |
| Return on Equity (ROE) | -37.9195% | 6,844 |
| Retained earnings to average equity (ytd only) | -37.9195% | 6,840 |
| Net charge-offs to loans | 0.5751% | 1,096 |
| Credit loss provision to net charge-offs | 269.8113% | 935 |
| Earnings coverage of net charge-offs (x) | -6.0660% | 5,144 |
| Efficiency ratio | 169.2142% | 50 |
| Assets per employee ($millions) | 3.0831% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 1,752 |
| Loan loss allowance to noncurrent loans | 32.4549% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 10.7535% | 120 |
| Noncurrent loans to loans | 6.1216% | 406 |
| Net loans and leases to total assets | 57.6048% | 4,075 |
| Net loans and leases to deposits | 63.1510% | 4,611 |
| Net loans and leases to core deposits | 66.4537% | 4,673 |
| Total domestic deposits to total assets | 91.2176% | 453 |
| Equity capital to assets | 8.4456% | 5,794 |
| Core capital (leverage) ratio | 8.3932% | 5,866 |
| Tier 1 risk-based capital ratio | 12.5419% | 5,434 |
| Total risk-based capital ratio | 13.7984% | 5,374 |
| Memoranda: | ||
| Average total assets | $42,638,000 | 6,278 |
| Average earning assets | $33,932,250 | 6,422 |
| Average equity | $3,266,500 | 6,555 |
| Average total loans | $24,575,750 | 6,060 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,962 |
| Cost of funding earning assets | 0.9686% | 648 |
| Net interest margin | 3.3283% | 4,455 |
| Noninterest income to average assets | 0.2115% | 5,930 |
| Noninterest expense to average assets | 4.7137% | 440 |
| Loan and lease loss provision to assets | 0.7174% | 314 |
| Net operating income to assets | -2.6121% | 6,880 |
| Return on assets (ROA) | -2.6121% | 6,883 |
| Pretax return on assets | -2.6121% | 6,876 |
| Return on Equity (ROE) | -35.2030% | 6,875 |
| Retained earnings to average equity (ytd only) | -35.2030% | 6,867 |
| Net charge-offs to loans | 0.6341% | 1,039 |
| Credit loss provision to net charge-offs | 197.4684% | 1,207 |
| Earnings coverage of net charge-offs (x) | -5.2152% | 4,831 |
| Efficiency ratio | 167.2104% | 48 |
| Assets per employee ($millions) | 4.2883% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 3,650 |
| Loan loss allowance to noncurrent loans | 22.9994% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 11.7972% | 108 |
| Noncurrent loans to loans | 6.4573% | 403 |
| Net loans and leases to total assets | 56.4606% | 4,215 |
| Net loans and leases to deposits | 60.9214% | 4,872 |
| Net loans and leases to core deposits | 64.2654% | 4,864 |
| Total domestic deposits to total assets | 92.6778% | 159 |
| Equity capital to assets | 6.8699% | 6,627 |
| Core capital (leverage) ratio | 6.8209% | 6,654 |
| Tier 1 risk-based capital ratio | 10.0464% | 6,625 |
| Total risk-based capital ratio | 11.2863% | 6,605 |
| Memoranda: | ||
| Average total assets | $43,490,670 | 6,303 |
| Average earning assets | $34,071,000 | 6,460 |
| Average equity | $3,227,000 | 6,615 |
| Average total loans | $24,915,670 | 6,072 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2791% | 2,982 |
| Cost of funding earning assets | 0.9848% | 667 |
| Net interest margin | 3.2943% | 4,541 |
| Noninterest income to average assets | 0.4841% | 3,890 |
| Noninterest expense to average assets | 4.6581% | 471 |
| Loan and lease loss provision to assets | 1.1052% | 153 |
| Net operating income to assets | -2.7127% | 6,951 |
| Return on assets (ROA) | -2.7127% | 6,952 |
| Pretax return on assets | -2.7127% | 6,948 |
| Return on Equity (ROE) | -35.2784% | 6,942 |
| Retained earnings to average equity (ytd only) | -35.2784% | 6,916 |
| Net charge-offs to loans | 1.2119% | 477 |
| Credit loss provision to net charge-offs | 159.2105% | 1,306 |
| Earnings coverage of net charge-offs (x) | -2.3158% | 4,033 |
| Efficiency ratio | 152.6946% | 82 |
| Assets per employee ($millions) | 3.9827% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,516 |
| Loan loss allowance to noncurrent loans | 21.4148% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 12.3442% | 122 |
| Noncurrent loans to loans | 6.2565% | 520 |
| Net loans and leases to total assets | 55.9712% | 4,079 |
| Net loans and leases to deposits | 60.6010% | 4,723 |
| Net loans and leases to core deposits | 64.2971% | 4,711 |
| Total domestic deposits to total assets | 92.3602% | 194 |
| Equity capital to assets | 7.3476% | 6,636 |
| Core capital (leverage) ratio | 7.2990% | 6,546 |
| Tier 1 risk-based capital ratio | 10.8284% | 6,476 |
| Total risk-based capital ratio | 11.9566% | 6,482 |
| Memoranda: | ||
| Average total assets | $43,794,500 | 6,353 |
| Average earning assets | $34,119,500 | 6,522 |
| Average equity | $3,367,500 | 6,649 |
| Average total loans | $25,085,000 | 6,116 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 2,484 |
| Cost of funding earning assets | 1.1424% | 759 |
| Net interest margin | 3.5852% | 4,153 |
| Noninterest income to average assets | 0.8675% | 1,964 |
| Noninterest expense to average assets | 4.7032% | 475 |
| Loan and lease loss provision to assets | 0.6167% | 884 |
| Net operating income to assets | -1.7879% | 6,907 |
| Return on assets (ROA) | -1.7855% | 6,918 |
| Pretax return on assets | -1.7855% | 6,903 |
| Return on Equity (ROE) | -19.8852% | 6,881 |
| Retained earnings to average equity (ytd only) | -19.8852% | 6,849 |
| Net charge-offs to loans | 1.1561% | 889 |
| Credit loss provision to net charge-offs | 91.4676% | 3,413 |
| Earnings coverage of net charge-offs (x) | -1.7372% | 5,822 |
| Efficiency ratio | 133.1596% | 142 |
| Assets per employee ($millions) | 3.6483% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,393 |
| Loan loss allowance to noncurrent loans | 17.4018% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 12.4443% | 123 |
| Noncurrent loans to loans | 6.5374% | 512 |
| Net loans and leases to total assets | 57.1690% | 4,101 |
| Net loans and leases to deposits | 62.3611% | 4,744 |
| Net loans and leases to core deposits | 66.1889% | 4,721 |
| Total domestic deposits to total assets | 91.6741% | 305 |
| Equity capital to assets | 8.0312% | 6,387 |
| Core capital (leverage) ratio | 7.9787% | 6,216 |
| Tier 1 risk-based capital ratio | 11.7605% | 5,925 |
| Total risk-based capital ratio | 12.7302% | 6,087 |
| Memoranda: | ||
| Average total assets | $43,460,000 | 6,383 |
| Average earning assets | $32,299,200 | 6,598 |
| Average equity | $3,902,400 | 6,591 |
| Average total loans | $25,344,200 | 6,174 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 2,701 |
| Cost of funding earning assets | 1.1816% | 752 |
| Net interest margin | 3.5406% | 4,490 |
| Noninterest income to average assets | 0.8237% | 2,143 |
| Noninterest expense to average assets | 4.5611% | 522 |
| Loan and lease loss provision to assets | 0.8237% | 566 |
| Net operating income to assets | -1.9455% | 7,030 |
| Return on assets (ROA) | -1.9455% | 7,043 |
| Pretax return on assets | -1.9455% | 7,024 |
| Return on Equity (ROE) | -21.1048% | 7,003 |
| Retained earnings to average equity (ytd only) | -21.1048% | 6,988 |
| Net charge-offs to loans | 1.5462% | 550 |
| Credit loss provision to net charge-offs | 91.1565% | 3,264 |
| Earnings coverage of net charge-offs (x) | -1.2415% | 5,600 |
| Efficiency ratio | 132.6184% | 137 |
| Assets per employee ($millions) | 3.2476% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 5,658 |
| Loan loss allowance to noncurrent loans | 20.1404% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 12.4541% | 149 |
| Noncurrent loans to loans | 5.5370% | 775 |
| Net loans and leases to total assets | 60.2785% | 3,718 |
| Net loans and leases to deposits | 66.1924% | 4,445 |
| Net loans and leases to core deposits | 71.9305% | 4,261 |
| Total domestic deposits to total assets | 91.0656% | 396 |
| Equity capital to assets | 8.6833% | 6,118 |
| Core capital (leverage) ratio | 8.6162% | 5,603 |
| Tier 1 risk-based capital ratio | 11.6168% | 6,164 |
| Total risk-based capital ratio | 12.5340% | 6,330 |
| Memoranda: | ||
| Average total assets | $43,380,250 | 6,459 |
| Average earning assets | $32,046,500 | 6,690 |
| Average equity | $3,999,000 | 6,644 |
| Average total loans | $25,351,250 | 6,255 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 1,944 |
| Cost of funding earning assets | 1.2200% | 750 |
| Net interest margin | 3.7236% | 3,710 |
| Noninterest income to average assets | 0.8317% | 2,049 |
| Noninterest expense to average assets | 4.6702% | 469 |
| Loan and lease loss provision to assets | 0.3244% | 2,029 |
| Net operating income to assets | -1.4851% | 7,015 |
| Return on assets (ROA) | -1.4851% | 7,030 |
| Pretax return on assets | -1.4851% | 7,002 |
| Return on Equity (ROE) | -15.8151% | 6,990 |
| Retained earnings to average equity (ytd only) | -15.8151% | 6,958 |
| Net charge-offs to loans | 0.6978% | 1,589 |
| Credit loss provision to net charge-offs | 80.6818% | 3,302 |
| Earnings coverage of net charge-offs (x) | -2.8864% | 5,410 |
| Efficiency ratio | 133.0729% | 151 |
| Assets per employee ($millions) | 3.7491% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 5,486 |
| Loan loss allowance to noncurrent loans | 15.5416% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 12.2097% | 168 |
| Noncurrent loans to loans | 7.5210% | 485 |
| Net loans and leases to total assets | 55.8181% | 4,498 |
| Net loans and leases to deposits | 61.3985% | 5,084 |
| Net loans and leases to core deposits | 68.1780% | 4,763 |
| Total domestic deposits to total assets | 90.9111% | 483 |
| Equity capital to assets | 8.8133% | 5,899 |
| Core capital (leverage) ratio | 8.7687% | 5,273 |
| Tier 1 risk-based capital ratio | 12.9627% | 5,208 |
| Total risk-based capital ratio | 13.9391% | 5,402 |
| Memoranda: | ||
| Average total assets | $43,767,330 | 6,498 |
| Average earning assets | $31,474,670 | 6,755 |
| Average equity | $4,110,000 | 6,653 |
| Average total loans | $25,223,000 | 6,304 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 1,913 |
| Cost of funding earning assets | 1.2776% | 691 |
| Net interest margin | 3.7154% | 3,764 |
| Noninterest income to average assets | 0.8156% | 2,084 |
| Noninterest expense to average assets | 5.0236% | 356 |
| Loan and lease loss provision to assets | 0.2873% | 2,162 |
| Net operating income to assets | -1.8537% | 7,141 |
| Return on assets (ROA) | -1.8537% | 7,144 |
| Pretax return on assets | -1.8537% | 7,121 |
| Return on Equity (ROE) | -19.1273% | 7,102 |
| Retained earnings to average equity (ytd only) | -19.1273% | 7,036 |
| Net charge-offs to loans | 0.4298% | 2,025 |
| Credit loss provision to net charge-offs | 114.8148% | 2,060 |
| Earnings coverage of net charge-offs (x) | -6.2593% | 4,676 |
| Efficiency ratio | 145.3083% | 116 |
| Assets per employee ($millions) | 3.5202% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,301 |
| Loan loss allowance to noncurrent loans | 17.0614% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 13.4842% | 152 |
| Noncurrent loans to loans | 7.2811% | 591 |
| Net loans and leases to total assets | 59.6586% | 3,740 |
| Net loans and leases to deposits | 66.2052% | 4,344 |
| Net loans and leases to core deposits | 72.1947% | 4,123 |
| Total domestic deposits to total assets | 90.1117% | 1,025 |
| Equity capital to assets | 9.6657% | 4,568 |
| Core capital (leverage) ratio | 9.6302% | 3,872 |
| Tier 1 risk-based capital ratio | 13.0909% | 5,139 |
| Total risk-based capital ratio | 14.1110% | 5,296 |
| Memoranda: | ||
| Average total assets | $43,156,500 | 6,554 |
| Average earning assets | $30,683,000 | 6,823 |
| Average equity | $4,182,500 | 6,671 |
| Average total loans | $25,130,000 | 6,361 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3861% | 1,450 |
| Cost of funding earning assets | 1.4454% | 867 |
| Net interest margin | 3.9407% | 3,154 |
| Noninterest income to average assets | 0.1667% | 6,295 |
| Noninterest expense to average assets | 4.0879% | 925 |
| Loan and lease loss provision to assets | 0.4762% | 2,221 |
| Net operating income to assets | -1.5737% | 6,922 |
| Return on assets (ROA) | -1.5737% | 6,945 |
| Pretax return on assets | -1.5737% | 6,916 |
| Return on Equity (ROE) | -14.1524% | 6,868 |
| Retained earnings to average equity (ytd only) | -14.1524% | 6,844 |
| Net charge-offs to loans | 0.3393% | 3,703 |
| Credit loss provision to net charge-offs | 235.2941% | 1,036 |
| Earnings coverage of net charge-offs (x) | -5.4235% | 6,366 |
| Efficiency ratio | 136.7038% | 197 |
| Assets per employee ($millions) | 3.6726% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,099 |
| Loan loss allowance to noncurrent loans | 23.4633% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 11.9013% | 215 |
| Noncurrent loans to loans | 5.3916% | 999 |
| Net loans and leases to total assets | 55.4310% | 4,806 |
| Net loans and leases to deposits | 61.6007% | 5,293 |
| Net loans and leases to core deposits | 66.9618% | 5,159 |
| Total domestic deposits to total assets | 89.9843% | 1,002 |
| Equity capital to assets | 9.7161% | 4,573 |
| Core capital (leverage) ratio | 9.6875% | 3,758 |
| Tier 1 risk-based capital ratio | 14.3327% | 4,088 |
| Total risk-based capital ratio | 15.3838% | 4,183 |
| Memoranda: | ||
| Average total assets | $42,001,600 | 6,599 |
| Average earning assets | $30,096,000 | 6,868 |
| Average equity | $4,670,600 | 6,541 |
| Average total loans | $25,054,800 | 6,419 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 1,667 |
| Cost of funding earning assets | 1.4446% | 1,041 |
| Net interest margin | 3.9079% | 3,344 |
| Noninterest income to average assets | 0.4757% | 4,079 |
| Noninterest expense to average assets | 4.2875% | 723 |
| Loan and lease loss provision to assets | 0.4435% | 2,258 |
| Net operating income to assets | -1.3949% | 7,014 |
| Return on assets (ROA) | -1.3949% | 7,032 |
| Pretax return on assets | -1.3949% | 6,995 |
| Return on Equity (ROE) | -12.1368% | 6,953 |
| Retained earnings to average equity (ytd only) | -12.1368% | 6,924 |
| Net charge-offs to loans | 0.3236% | 3,480 |
| Credit loss provision to net charge-offs | 226.2295% | 1,263 |
| Earnings coverage of net charge-offs (x) | -4.8526% | 6,097 |
| Efficiency ratio | 128.5164% | 236 |
| Assets per employee ($millions) | 3.0256% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 5,627 |
| Loan loss allowance to noncurrent loans | 14.4578% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 11.3081% | 263 |
| Noncurrent loans to loans | 8.0433% | 546 |
| Net loans and leases to total assets | 60.1950% | 4,094 |
| Net loans and leases to deposits | 67.8228% | 4,640 |
| Net loans and leases to core deposits | 75.1577% | 4,300 |
| Total domestic deposits to total assets | 88.7533% | 1,581 |
| Equity capital to assets | 10.6825% | 3,484 |
| Core capital (leverage) ratio | 10.6213% | 2,736 |
| Tier 1 risk-based capital ratio | 15.5970% | 3,334 |
| Total risk-based capital ratio | 16.6378% | 3,415 |
| Memoranda: | ||
| Average total assets | $41,484,250 | 6,672 |
| Average earning assets | $30,365,000 | 6,925 |
| Average equity | $4,767,750 | 6,568 |
| Average total loans | $25,133,000 | 6,472 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7017% | 869 |
| Cost of funding earning assets | 1.4765% | 1,083 |
| Net interest margin | 4.2252% | 1,939 |
| Noninterest income to average assets | 0.4418% | 4,336 |
| Noninterest expense to average assets | 4.1998% | 831 |
| Loan and lease loss provision to assets | 0.1408% | 4,548 |
| Net operating income to assets | -0.7865% | 6,860 |
| Return on assets (ROA) | -0.7865% | 6,872 |
| Pretax return on assets | -0.7865% | 6,816 |
| Return on Equity (ROE) | -6.6822% | 6,813 |
| Retained earnings to average equity (ytd only) | -6.6822% | 6,704 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1694% | 360 |
| Assets per employee ($millions) | 3.0006% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,503 |
| Loan loss allowance to noncurrent loans | 11.5174% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 11.0929% | 305 |
| Noncurrent loans to loans | 8.2628% | 533 |
| Net loans and leases to total assets | 62.4342% | 3,805 |
| Net loans and leases to deposits | 70.8884% | 4,308 |
| Net loans and leases to core deposits | 79.3537% | 3,879 |
| Total domestic deposits to total assets | 88.0740% | 2,099 |
| Equity capital to assets | 11.3952% | 2,606 |
| Core capital (leverage) ratio | 11.3530% | 2,011 |
| Tier 1 risk-based capital ratio | 16.7716% | 2,618 |
| Total risk-based capital ratio | 17.6582% | 2,747 |
| Memoranda: | ||
| Average total assets | $41,192,670 | 6,747 |
| Average earning assets | $30,342,000 | 6,984 |
| Average equity | $4,848,670 | 6,579 |
| Average total loans | $24,911,330 | 6,543 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8416% | 680 |
| Cost of funding earning assets | 1.5846% | 863 |
| Net interest margin | 4.2570% | 1,712 |
| Noninterest income to average assets | 0.5100% | 3,798 |
| Noninterest expense to average assets | 4.1584% | 858 |
| Loan and lease loss provision to assets | 0.0294% | 5,600 |
| Net operating income to assets | -0.5688% | 6,849 |
| Return on assets (ROA) | -0.5688% | 6,851 |
| Pretax return on assets | -0.5688% | 6,793 |
| Return on Equity (ROE) | -4.7546% | 6,797 |
| Retained earnings to average equity (ytd only) | -4.7546% | 6,500 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9051% | 413 |
| Assets per employee ($millions) | 3.0628% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 6,598 |
| Loan loss allowance to noncurrent loans | 10.2448% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 12.1233% | 260 |
| Noncurrent loans to loans | 9.1475% | 478 |
| Net loans and leases to total assets | 60.0010% | 4,258 |
| Net loans and leases to deposits | 68.7918% | 4,554 |
| Net loans and leases to core deposits | 75.1281% | 4,406 |
| Total domestic deposits to total assets | 87.2212% | 2,812 |
| Equity capital to assets | 12.1911% | 1,800 |
| Core capital (leverage) ratio | 12.2286% | 1,444 |
| Tier 1 risk-based capital ratio | 18.7505% | 1,880 |
| Total risk-based capital ratio | 19.6204% | 1,954 |
| Memoranda: | ||
| Average total assets | $40,784,500 | 6,807 |
| Average earning assets | $29,786,500 | 7,058 |
| Average equity | $4,879,500 | 6,599 |
| Average total loans | $24,127,000 | 6,641 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9727% | 898 |
| Cost of funding earning assets | 1.8929% | 865 |
| Net interest margin | 4.0799% | 2,660 |
| Noninterest income to average assets | 0.5295% | 3,958 |
| Noninterest expense to average assets | 4.9450% | 434 |
| Loan and lease loss provision to assets | 0.7142% | 2,297 |
| Net operating income to assets | -1.9280% | 7,042 |
| Return on assets (ROA) | -1.9280% | 7,052 |
| Pretax return on assets | -1.9280% | 7,003 |
| Return on Equity (ROE) | -13.2290% | 6,852 |
| Retained earnings to average equity (ytd only) | -13.2290% | 6,805 |
| Net charge-offs to loans | 1.4346% | 1,545 |
| Credit loss provision to net charge-offs | 76.4535% | 5,682 |
| Earnings coverage of net charge-offs (x) | -1.2994% | 6,652 |
| Efficiency ratio | 132.5328% | 296 |
| Assets per employee ($millions) | 3.4794% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 6,654 |
| Loan loss allowance to noncurrent loans | 12.6274% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 10.5070% | 373 |
| Noncurrent loans to loans | 7.3163% | 752 |
| Net loans and leases to total assets | 57.2773% | 5,141 |
| Net loans and leases to deposits | 65.3112% | 5,481 |
| Net loans and leases to core deposits | 72.7984% | 5,125 |
| Total domestic deposits to total assets | 87.6991% | 2,419 |
| Equity capital to assets | 11.7477% | 2,087 |
| Core capital (leverage) ratio | 11.7984% | 1,672 |
| Tier 1 risk-based capital ratio | 18.7693% | 1,774 |
| Total risk-based capital ratio | 19.6184% | 1,847 |
| Memoranda: | ||
| Average total assets | $36,825,000 | 6,980 |
| Average earning assets | $28,898,000 | 7,131 |
| Average equity | $5,367,000 | 6,546 |
| Average total loans | $23,978,000 | 6,730 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1499% | 681 |
| Cost of funding earning assets | 1.9651% | 847 |
| Net interest margin | 4.1847% | 2,271 |
| Noninterest income to average assets | 0.4795% | 4,335 |
| Noninterest expense to average assets | 4.7386% | 476 |
| Loan and lease loss provision to assets | 0.3521% | 3,796 |
| Net operating income to assets | -1.2849% | 7,022 |
| Return on assets (ROA) | -1.2849% | 7,051 |
| Pretax return on assets | -1.2849% | 6,971 |
| Return on Equity (ROE) | -8.3415% | 6,852 |
| Retained earnings to average equity (ytd only) | -8.3415% | 6,792 |
| Net charge-offs to loans | -0.0112% | 7,280 |
| Credit loss provision to net charge-offs | -4,700.0000% | 7,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5079% | 346 |
| Assets per employee ($millions) | 3.1928% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 6,141 |
| Loan loss allowance to noncurrent loans | 20.3226% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 10.4638% | 369 |
| Noncurrent loans to loans | 5.1892% | 1,313 |
| Net loans and leases to total assets | 61.7127% | 4,589 |
| Net loans and leases to deposits | 72.2440% | 4,804 |
| Net loans and leases to core deposits | 80.2307% | 4,487 |
| Total domestic deposits to total assets | 85.4227% | 3,399 |
| Equity capital to assets | 13.8674% | 1,208 |
| Core capital (leverage) ratio | 13.8291% | 955 |
| Tier 1 risk-based capital ratio | 21.1942% | 1,326 |
| Total risk-based capital ratio | 22.2027% | 1,339 |
| Memoranda: | ||
| Average total assets | $35,593,000 | 7,107 |
| Average earning assets | $28,292,500 | 7,233 |
| Average equity | $5,482,500 | 6,595 |
| Average total loans | $23,938,000 | 6,828 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3069% | 505 |
| Cost of funding earning assets | 2.0051% | 905 |
| Net interest margin | 4.3018% | 1,774 |
| Noninterest income to average assets | 0.4728% | 4,334 |
| Noninterest expense to average assets | 4.9933% | 378 |
| Loan and lease loss provision to assets | 0.0980% | 5,929 |
| Net operating income to assets | -1.1301% | 7,001 |
| Return on assets (ROA) | -1.1301% | 7,017 |
| Pretax return on assets | -1.1301% | 6,944 |
| Return on Equity (ROE) | -7.0771% | 6,841 |
| Retained earnings to average equity (ytd only) | -7.0771% | 6,746 |
| Net charge-offs to loans | -0.0167% | 7,259 |
| Credit loss provision to net charge-offs | -850.0000% | 6,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.0553% | 347 |
| Assets per employee ($millions) | 3.0203% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 7,187 |
| Loan loss allowance to noncurrent loans | 15.5774% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 10.6252% | 353 |
| Noncurrent loans to loans | 4.6885% | 1,526 |
| Net loans and leases to total assets | 65.2522% | 3,995 |
| Net loans and leases to deposits | 77.5283% | 4,074 |
| Net loans and leases to core deposits | 86.6967% | 3,739 |
| Total domestic deposits to total assets | 84.1657% | 4,030 |
| Equity capital to assets | 15.0618% | 866 |
| Core capital (leverage) ratio | 15.0243% | 715 |
| Tier 1 risk-based capital ratio | 24.8323% | 857 |
| Total risk-based capital ratio | 25.6262% | 884 |
| Memoranda: | ||
| Average total assets | $34,686,330 | 7,187 |
| Average earning assets | $28,128,000 | 7,287 |
| Average equity | $5,539,000 | 6,604 |
| Average total loans | $23,952,000 | 6,870 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 837 |
| Cost of funding earning assets | 1.9802% | 1,157 |
| Net interest margin | 4.0885% | 2,489 |
| Noninterest income to average assets | 0.6252% | 3,119 |
| Noninterest expense to average assets | 5.1788% | 324 |
| Loan and lease loss provision to assets | 0.0354% | 6,322 |
| Net operating income to assets | -1.2033% | 7,216 |
| Return on assets (ROA) | -1.2033% | 7,238 |
| Pretax return on assets | -1.2033% | 7,148 |
| Return on Equity (ROE) | -7.3131% | 7,017 |
| Retained earnings to average equity (ytd only) | -7.3131% | 6,770 |
| Net charge-offs to loans | -0.0167% | 7,025 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1176% | 344 |
| Assets per employee ($millions) | 2.8868% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 7,070 |
| Loan loss allowance to noncurrent loans | 15.7556% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 11.9652% | 260 |
| Noncurrent loans to loans | 5.2278% | 1,369 |
| Net loans and leases to total assets | 68.1254% | 3,357 |
| Net loans and leases to deposits | 81.8933% | 3,300 |
| Net loans and leases to core deposits | 92.1623% | 3,088 |
| Total domestic deposits to total assets | 83.1880% | 4,529 |
| Equity capital to assets | 16.0095% | 665 |
| Core capital (leverage) ratio | 15.9876% | 583 |
| Tier 1 risk-based capital ratio | 25.6771% | 798 |
| Total risk-based capital ratio | 26.5860% | 809 |
| Memoranda: | ||
| Average total assets | $33,907,500 | 7,310 |
| Average earning assets | $28,078,500 | 7,390 |
| Average equity | $5,579,000 | 6,651 |
| Average total loans | $24,016,000 | 6,942 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9008% | 2,232 |
| Cost of funding earning assets | 2.6582% | 658 |
| Net interest margin | 3.2427% | 5,952 |
| Noninterest income to average assets | 0.7844% | 2,482 |
| Noninterest expense to average assets | 4.5327% | 771 |
| Loan and lease loss provision to assets | 0.0569% | 6,997 |
| Net operating income to assets | -0.8323% | 6,461 |
| Return on assets (ROA) | -0.8233% | 6,455 |
| Pretax return on assets | -0.8233% | 6,282 |
| Return on Equity (ROE) | -6.8919% | 6,381 |
| Retained earnings to average equity (ytd only) | -7.3931% | 6,279 |
| Net charge-offs to loans | 0.5519% | 3,578 |
| Credit loss provision to net charge-offs | 13.9706% | 6,963 |
| Earnings coverage of net charge-offs (x) | -1.9044% | 6,993 |
| Efficiency ratio | 120.6375% | 597 |
| Assets per employee ($millions) | 2.7644% | 6,725 |
| Cash dividends to net income (ytd only)* | -7.2727% | 7,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 6,894 |
| Loan loss allowance to noncurrent loans | 13.0196% | 7,309 |
| Noncurrent assets plus other real estate owned to assets | 11.5063% | 279 |
| Noncurrent loans to loans | 6.7503% | 867 |
| Net loans and leases to total assets | 72.4173% | 2,660 |
| Net loans and leases to deposits | 88.0576% | 2,547 |
| Net loans and leases to core deposits | 138.0474% | 878 |
| Total domestic deposits to total assets | 82.2386% | 4,844 |
| Equity capital to assets | 16.9174% | 563 |
| Core capital (leverage) ratio | 16.9874% | 492 |
| Tier 1 risk-based capital ratio | 26.1583% | 748 |
| Total risk-based capital ratio | 27.1462% | 755 |
| Memoranda: | ||
| Average total assets | $33,401,400 | 7,355 |
| Average earning assets | $30,622,800 | 7,331 |
| Average equity | $3,990,200 | 7,298 |
| Average total loans | $24,643,000 | 6,937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7887% | 2,938 |
| Cost of funding earning assets | 2.7772% | 635 |
| Net interest margin | 3.0115% | 6,576 |
| Noninterest income to average assets | 0.7890% | 2,493 |
| Noninterest expense to average assets | 4.5110% | 735 |
| Loan and lease loss provision to assets | 0.0598% | 6,766 |
| Net operating income to assets | -0.9644% | 6,803 |
| Return on assets (ROA) | -0.9524% | 6,803 |
| Pretax return on assets | -0.9524% | 6,646 |
| Return on Equity (ROE) | -8.8893% | 6,803 |
| Retained earnings to average equity (ytd only) | -9.6330% | 6,770 |
| Net charge-offs to loans | 0.0808% | 5,869 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | -15.1330% | 6,927 |
| Efficiency ratio | 125.0829% | 530 |
| Assets per employee ($millions) | 3.3316% | 5,302 |
| Cash dividends to net income (ytd only)* | -8.3694% | 7,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 2,979 |
| Loan loss allowance to noncurrent loans | 15.0019% | 7,330 |
| Noncurrent assets plus other real estate owned to assets | 9.9802% | 343 |
| Noncurrent loans to loans | 10.6724% | 349 |
| Net loans and leases to total assets | 73.9735% | 2,531 |
| Net loans and leases to deposits | 89.9223% | 2,598 |
| Net loans and leases to core deposits | 358.9949% | 30 |
| Total domestic deposits to total assets | 82.2638% | 4,562 |
| Equity capital to assets | 17.0459% | 626 |
| Core capital (leverage) ratio | 17.0359% | 549 |
| Tier 1 risk-based capital ratio | 23.8145% | 1,018 |
| Total risk-based capital ratio | 25.0650% | 995 |
| Memoranda: | ||
| Average total assets | $33,458,500 | 7,405 |
| Average earning assets | $31,301,250 | 7,358 |
| Average equity | $3,584,750 | 7,482 |
| Average total loans | $24,744,750 | 6,993 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 3,844 |
| Cost of funding earning assets | 2.8880% | 628 |
| Net interest margin | 2.7567% | 7,094 |
| Noninterest income to average assets | 0.7163% | 2,892 |
| Noninterest expense to average assets | 4.5843% | 709 |
| Loan and lease loss provision to assets | 0.0597% | 6,621 |
| Net operating income to assets | -1.2953% | 7,163 |
| Return on assets (ROA) | -1.2774% | 7,158 |
| Pretax return on assets | -1.2774% | 6,979 |
| Return on Equity (ROE) | -14.8268% | 7,320 |
| Retained earnings to average equity (ytd only) | -16.2125% | 7,313 |
| Net charge-offs to loans | 0.1217% | 4,946 |
| Credit loss provision to net charge-offs | 66.6667% | 5,479 |
| Earnings coverage of net charge-offs (x) | -13.8000% | 6,545 |
| Efficiency ratio | 136.8984% | 463 |
| Assets per employee ($millions) | 3.1335% | 5,763 |
| Cash dividends to net income (ytd only)* | -9.3458% | 7,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 2,795 |
| Loan loss allowance to noncurrent loans | 15.7268% | 7,343 |
| Noncurrent assets plus other real estate owned to assets | 8.1610% | 458 |
| Noncurrent loans to loans | 10.0930% | 344 |
| Net loans and leases to total assets | 71.2292% | 3,415 |
| Net loans and leases to deposits | 77.9874% | 4,877 |
| Net loans and leases to core deposits | 154.7070% | 549 |
| Total domestic deposits to total assets | 91.3342% | 356 |
| Equity capital to assets | 7.9434% | 6,813 |
| Core capital (leverage) ratio | 8.0154% | 6,304 |
| Tier 1 risk-based capital ratio | 11.7181% | 5,176 |
| Total risk-based capital ratio | 12.9683% | 5,106 |
| Memoranda: | ||
| Average total assets | $33,506,000 | 7,468 |
| Average earning assets | $31,994,670 | 7,397 |
| Average equity | $2,886,670 | 7,763 |
| Average total loans | $24,644,330 | 7,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8700% | 2,940 |
| Cost of funding earning assets | 3.0555% | 516 |
| Net interest margin | 2.8146% | 6,962 |
| Noninterest income to average assets | 0.7631% | 2,517 |
| Noninterest expense to average assets | 4.6026% | 650 |
| Loan and lease loss provision to assets | 0.0606% | 6,198 |
| Net operating income to assets | -1.2112% | 7,365 |
| Return on assets (ROA) | -1.2112% | 7,384 |
| Pretax return on assets | -1.2112% | 7,259 |
| Return on Equity (ROE) | -13.5089% | 7,542 |
| Retained earnings to average equity (ytd only) | -16.2107% | 7,497 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3333% | 472 |
| Assets per employee ($millions) | 2.9769% | 6,219 |
| Cash dividends to net income (ytd only)* | -20.0000% | 8,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 2,217 |
| Loan loss allowance to noncurrent loans | 15.8223% | 7,369 |
| Noncurrent assets plus other real estate owned to assets | 8.7369% | 301 |
| Noncurrent loans to loans | 10.6029% | 252 |
| Net loans and leases to total assets | 72.6654% | 3,078 |
| Net loans and leases to deposits | 80.3804% | 4,551 |
| Net loans and leases to core deposits | 178.2931% | 251 |
| Total domestic deposits to total assets | 90.4019% | 641 |
| Equity capital to assets | 8.8744% | 5,517 |
| Core capital (leverage) ratio | 8.7992% | 4,990 |
| Tier 1 risk-based capital ratio | 12.5885% | 4,484 |
| Total risk-based capital ratio | 13.8391% | 4,404 |
| Memoranda: | ||
| Average total assets | $33,024,500 | 7,528 |
| Average earning assets | $31,550,000 | 7,453 |
| Average equity | $2,961,000 | 7,797 |
| Average total loans | $24,492,500 | 7,101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5618% | 2,661 |
| Cost of funding earning assets | 3.4120% | 693 |
| Net interest margin | 3.1498% | 6,525 |
| Noninterest income to average assets | 0.8913% | 1,996 |
| Noninterest expense to average assets | 4.7365% | 745 |
| Loan and lease loss provision to assets | 0.3833% | 3,397 |
| Net operating income to assets | -1.2320% | 7,358 |
| Return on assets (ROA) | -1.2260% | 7,295 |
| Pretax return on assets | -1.2260% | 7,130 |
| Return on Equity (ROE) | -12.5397% | 7,464 |
| Retained earnings to average equity (ytd only) | -14.0955% | 7,408 |
| Net charge-offs to loans | 0.1320% | 4,897 |
| Credit loss provision to net charge-offs | 393.7500% | 1,120 |
| Earnings coverage of net charge-offs (x) | -8.7188% | 6,886 |
| Efficiency ratio | 121.8310% | 553 |
| Assets per employee ($millions) | 2.5618% | 7,082 |
| Cash dividends to net income (ytd only)* | -12.4069% | 7,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 2,151 |
| Loan loss allowance to noncurrent loans | 19.4673% | 7,262 |
| Noncurrent assets plus other real estate owned to assets | 7.0864% | 364 |
| Noncurrent loans to loans | 8.3320% | 312 |
| Net loans and leases to total assets | 73.2126% | 3,311 |
| Net loans and leases to deposits | 81.2625% | 4,833 |
| Net loans and leases to core deposits | 200.5758% | 169 |
| Total domestic deposits to total assets | 90.0940% | 613 |
| Equity capital to assets | 9.0562% | 5,294 |
| Core capital (leverage) ratio | 9.0098% | 4,723 |
| Tier 1 risk-based capital ratio | 12.8009% | 4,217 |
| Total risk-based capital ratio | 14.0516% | 4,148 |
| Memoranda: | ||
| Average total assets | $32,872,400 | 7,518 |
| Average earning assets | $31,271,800 | 7,448 |
| Average equity | $3,213,800 | 7,769 |
| Average total loans | $24,240,000 | 7,066 |