Home > Wabash Savings Bank > Performance and Condition Ratios
Wabash Savings Bank, Performance and Condition Ratios
| 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 | 3.3718% | 4,395 |
| Cost of funding earning assets | 0.7882% | 2,774 |
| Net interest margin | 2.5836% | 4,223 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 3.9739% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -1.3660% | 4,635 |
| Return on assets (ROA) | -1.3660% | 4,629 |
| Pretax return on assets | -1.3660% | 4,621 |
| Return on Equity (ROE) | -22.9800% | 4,637 |
| Retained earnings to average equity (ytd only) | -22.9765% | 4,611 |
| 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 | 152.3810% | 39 |
| Assets per employee ($millions) | 2.4430% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 4,361 |
| Loan loss allowance to noncurrent loans | 8.0808% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0262% | 122 |
| Noncurrent loans to loans | 7.3908% | 25 |
| Net loans and leases to total assets | 27.2500% | 4,419 |
| Net loans and leases to deposits | 28.9394% | 4,465 |
| Net loans and leases to core deposits | 31.5372% | 4,432 |
| Total domestic deposits to total assets | 94.1700% | 152 |
| Equity capital to assets | 5.7307% | 4,282 |
| Core capital (leverage) ratio | 7.0781% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2884% | 553 |
| Memoranda: | ||
| Average total assets | $9,663,000 | 4,676 |
| Average earning assets | $9,134,500 | 4,645 |
| Average equity | $574,500 | 4,656 |
| Average total loans | $2,747,500 | 4,597 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5984% | 4,461 |
| Cost of funding earning assets | 0.5113% | 1,312 |
| Net interest margin | 2.0871% | 4,526 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 4.1337% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -2.0118% | 4,692 |
| Return on assets (ROA) | -2.0118% | 4,689 |
| Pretax return on assets | -2.0118% | 4,681 |
| Return on Equity (ROE) | -28.1500% | 4,697 |
| Retained earnings to average equity (ytd only) | -28.1513% | 4,705 |
| Net charge-offs to loans | 0.0930% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -67.0000% | 4,715 |
| Efficiency ratio | 194.8113% | 26 |
| Assets per employee ($millions) | 2.3885% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 4,368 |
| Loan loss allowance to noncurrent loans | 12.4031% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3502% | 260 |
| Noncurrent loans to loans | 4.5810% | 66 |
| Net loans and leases to total assets | 29.3100% | 4,403 |
| Net loans and leases to deposits | 31.2709% | 4,444 |
| Net loans and leases to core deposits | 34.1588% | 4,413 |
| Total domestic deposits to total assets | 93.7200% | 275 |
| Equity capital to assets | 6.1650% | 4,031 |
| Core capital (leverage) ratio | 7.2982% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2621% | 534 |
| Memoranda: | ||
| Average total assets | $9,991,000 | 4,708 |
| Average earning assets | $9,582,800 | 4,679 |
| Average equity | $714,000 | 4,707 |
| Average total loans | $3,225,200 | 4,630 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4804% | 4,458 |
| Cost of funding earning assets | 0.4933% | 773 |
| Net interest margin | 1.9871% | 4,554 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 4.2110% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -2.1781% | 4,735 |
| Return on assets (ROA) | -2.1781% | 4,732 |
| Pretax return on assets | -2.1781% | 4,726 |
| Return on Equity (ROE) | -29.5200% | 4,738 |
| Retained earnings to average equity (ytd only) | -29.5196% | 4,742 |
| Net charge-offs to loans | -0.0801% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 207.1429% | 22 |
| Assets per employee ($millions) | 2.4525% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 4,312 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,373 |
| Noncurrent loans to loans | 0.1576% | 2,823 |
| Net loans and leases to total assets | 32.1300% | 4,369 |
| Net loans and leases to deposits | 34.3617% | 4,411 |
| Net loans and leases to core deposits | 37.4480% | 4,355 |
| Total domestic deposits to total assets | 93.5100% | 455 |
| Equity capital to assets | 6.3405% | 3,825 |
| Core capital (leverage) ratio | 7.5518% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0940% | 557 |
| Memoranda: | ||
| Average total assets | $10,100,250 | 4,746 |
| Average earning assets | $9,729,250 | 4,717 |
| Average equity | $745,250 | 4,745 |
| Average total loans | $3,327,500 | 4,668 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3097% | 4,514 |
| Cost of funding earning assets | 0.5065% | 501 |
| Net interest margin | 1.8032% | 4,626 |
| Noninterest income to average assets | 0.0981% | 4,490 |
| Noninterest expense to average assets | 4.5111% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -2.6675% | 4,744 |
| Return on assets (ROA) | -2.6675% | 4,741 |
| Pretax return on assets | -2.6675% | 4,736 |
| Return on Equity (ROE) | -34.5909% | 4,759 |
| Retained earnings to average equity (ytd only) | -34.5909% | 4,750 |
| Net charge-offs to loans | -0.0592% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.6809% | 18 |
| Assets per employee ($millions) | 10.1770% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 4,448 |
| Loan loss allowance to noncurrent loans | 222.2222% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 3,101 |
| Noncurrent loans to loans | 0.2771% | 2,359 |
| Net loans and leases to total assets | 31.7186% | 4,411 |
| Net loans and leases to deposits | 34.0291% | 4,447 |
| Net loans and leases to core deposits | 36.9717% | 4,405 |
| Total domestic deposits to total assets | 93.2102% | 463 |
| Equity capital to assets | 6.6523% | 3,951 |
| Core capital (leverage) ratio | 7.6953% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1405% | 523 |
| Memoranda: | ||
| Average total assets | $10,197,000 | 4,772 |
| Average earning assets | $9,871,333 | 4,758 |
| Average equity | $786,333 | 4,766 |
| Average total loans | $3,379,000 | 4,730 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0655% | 4,594 |
| Cost of funding earning assets | 0.4860% | 531 |
| Net interest margin | 1.5795% | 4,679 |
| Noninterest income to average assets | 0.1176% | 4,418 |
| Noninterest expense to average assets | 5.0162% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -3.3702% | 4,778 |
| Return on assets (ROA) | -3.3702% | 4,777 |
| Pretax return on assets | -3.3702% | 4,772 |
| Return on Equity (ROE) | -40.9037% | 4,789 |
| Retained earnings to average equity (ytd only) | -40.9037% | 4,771 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 304.7619% | 14 |
| Assets per employee ($millions) | 5.1080% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 4,519 |
| Loan loss allowance to noncurrent loans | 190.0000% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,121 |
| Noncurrent loans to loans | 0.3053% | 2,366 |
| Net loans and leases to total assets | 31.8814% | 4,383 |
| Net loans and leases to deposits | 34.5277% | 4,433 |
| Net loans and leases to core deposits | 37.5274% | 4,388 |
| Total domestic deposits to total assets | 92.3356% | 460 |
| Equity capital to assets | 7.5568% | 3,896 |
| Core capital (leverage) ratio | 8.2245% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.1857% | 3,091 |
| Memoranda: | ||
| Average total assets | $10,207,000 | 4,796 |
| Average earning assets | $9,876,500 | 4,783 |
| Average equity | $841,000 | 4,791 |
| Average total loans | $3,444,500 | 4,758 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1214% | 3,642 |
| Cost of funding earning assets | 0.7075% | 312 |
| Net interest margin | 2.4139% | 4,311 |
| Noninterest income to average assets | 0.0100% | 4,788 |
| Noninterest expense to average assets | 3.4822% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -1.1440% | 4,790 |
| Return on assets (ROA) | -1.1440% | 4,792 |
| Pretax return on assets | -1.1440% | 4,790 |
| Return on Equity (ROE) | -11.6732% | 4,812 |
| Retained earnings to average equity (ytd only) | -11.6732% | 4,781 |
| Net charge-offs to loans | 0.4433% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -6.3333% | 2,676 |
| Efficiency ratio | 148.9270% | 37 |
| Assets per employee ($millions) | 5.0990% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5259% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.2422% | 4,321 |
| Net loans and leases to deposits | 38.8163% | 4,375 |
| Net loans and leases to core deposits | 42.2525% | 4,335 |
| Total domestic deposits to total assets | 90.7923% | 583 |
| Equity capital to assets | 8.9233% | 3,705 |
| Core capital (leverage) ratio | 8.9432% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9646% | 447 |
| Memoranda: | ||
| Average total assets | $9,965,000 | 4,840 |
| Average earning assets | $9,611,200 | 4,827 |
| Average equity | $976,600 | 4,834 |
| Average total loans | $4,060,000 | 4,800 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2560% | 3,499 |
| Cost of funding earning assets | 0.7546% | 302 |
| Net interest margin | 2.5014% | 4,273 |
| Noninterest income to average assets | 0.0000% | 4,883 |
| Noninterest expense to average assets | 3.3646% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.9556% | 4,860 |
| Return on assets (ROA) | -0.9556% | 4,864 |
| Pretax return on assets | -0.9556% | 4,860 |
| Return on Equity (ROE) | -9.5308% | 4,879 |
| Retained earnings to average equity (ytd only) | -9.5308% | 4,843 |
| Net charge-offs to loans | 0.5753% | 134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -3.9444% | 2,428 |
| Efficiency ratio | 139.6648% | 43 |
| Assets per employee ($millions) | 5.0840% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4868% | 4,719 |
| Loan loss allowance to noncurrent loans | 118.7500% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 3,070 |
| Noncurrent loans to loans | 0.4099% | 2,332 |
| Net loans and leases to total assets | 38.1983% | 4,289 |
| Net loans and leases to deposits | 42.4110% | 4,370 |
| Net loans and leases to core deposits | 46.2051% | 4,312 |
| Total domestic deposits to total assets | 90.0669% | 745 |
| Equity capital to assets | 9.4217% | 3,444 |
| Core capital (leverage) ratio | 9.5857% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1078% | 479 |
| Memoranda: | ||
| Average total assets | $9,906,750 | 4,915 |
| Average earning assets | $9,541,000 | 4,902 |
| Average equity | $993,250 | 4,908 |
| Average total loans | $4,171,750 | 4,869 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3431% | 3,328 |
| Cost of funding earning assets | 0.8040% | 290 |
| Net interest margin | 2.5391% | 4,258 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 3.4217% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.9776% | 4,898 |
| Return on assets (ROA) | -0.9776% | 4,899 |
| Pretax return on assets | -0.9776% | 4,895 |
| Return on Equity (ROE) | -9.5522% | 4,912 |
| Retained earnings to average equity (ytd only) | -9.5522% | 4,868 |
| Net charge-offs to loans | 0.9387% | 86 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -2.4000% | 2,220 |
| Efficiency ratio | 140.0000% | 42 |
| Assets per employee ($millions) | 3.3757% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4061% | 4,791 |
| Loan loss allowance to noncurrent loans | 85.0000% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,965 |
| Noncurrent loans to loans | 0.4778% | 2,240 |
| Net loans and leases to total assets | 41.1672% | 4,229 |
| Net loans and leases to deposits | 45.8384% | 4,317 |
| Net loans and leases to core deposits | 49.9640% | 4,235 |
| Total domestic deposits to total assets | 89.8094% | 867 |
| Equity capital to assets | 9.6870% | 3,162 |
| Core capital (leverage) ratio | 9.7774% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8420% | 492 |
| Memoranda: | ||
| Average total assets | $9,819,667 | 4,952 |
| Average earning assets | $9,452,333 | 4,938 |
| Average equity | $1,005,000 | 4,944 |
| Average total loans | $4,261,333 | 4,909 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 3,101 |
| Cost of funding earning assets | 0.8590% | 271 |
| Net interest margin | 2.5770% | 4,191 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 3.2692% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.7863% | 4,916 |
| Return on assets (ROA) | -0.7863% | 4,915 |
| Pretax return on assets | -0.7863% | 4,914 |
| Return on Equity (ROE) | -7.4730% | 4,921 |
| Retained earnings to average equity (ytd only) | -7.4730% | 4,760 |
| Net charge-offs to loans | 0.5583% | 142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -3.1667% | 1,910 |
| Efficiency ratio | 131.6667% | 53 |
| Assets per employee ($millions) | 3.3663% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 4,515 |
| Loan loss allowance to noncurrent loans | 39.2405% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 1,152 |
| Noncurrent loans to loans | 1.8641% | 608 |
| Net loans and leases to total assets | 41.6576% | 4,254 |
| Net loans and leases to deposits | 46.4298% | 4,327 |
| Net loans and leases to core deposits | 46.4298% | 4,425 |
| Total domestic deposits to total assets | 89.7218% | 948 |
| Equity capital to assets | 9.8426% | 2,853 |
| Core capital (leverage) ratio | 10.6332% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5871% | 430 |
| Memoranda: | ||
| Average total assets | $9,666,000 | 4,979 |
| Average earning assets | $9,313,000 | 4,965 |
| Average equity | $1,017,000 | 4,971 |
| Average total loans | $4,299,000 | 4,934 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 3,393 |
| Cost of funding earning assets | 1.0279% | 536 |
| Net interest margin | 2.7412% | 4,335 |
| Noninterest income to average assets | 0.0331% | 4,892 |
| Noninterest expense to average assets | 3.8022% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -1.1241% | 4,940 |
| Return on assets (ROA) | -1.1241% | 4,940 |
| Pretax return on assets | -1.1241% | 4,933 |
| Return on Equity (ROE) | -9.3236% | 4,940 |
| Retained earnings to average equity (ytd only) | -9.3236% | 4,905 |
| Net charge-offs to loans | 0.0233% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -102.0000% | 3,435 |
| Efficiency ratio | 141.9753% | 42 |
| Assets per employee ($millions) | 3.0777% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 4,328 |
| Loan loss allowance to noncurrent loans | 45.1220% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 1,123 |
| Noncurrent loans to loans | 1.8807% | 641 |
| Net loans and leases to total assets | 46.8212% | 4,072 |
| Net loans and leases to deposits | 52.9909% | 4,165 |
| Net loans and leases to core deposits | 52.9909% | 4,298 |
| Total domestic deposits to total assets | 88.3570% | 1,302 |
| Equity capital to assets | 11.2639% | 2,044 |
| Core capital (leverage) ratio | 11.1492% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6551% | 365 |
| Memoranda: | ||
| Average total assets | $9,073,800 | 5,003 |
| Average earning assets | $8,755,400 | 4,988 |
| Average equity | $1,094,000 | 4,994 |
| Average total loans | $4,293,000 | 4,957 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8056% | 3,554 |
| Cost of funding earning assets | 1.0393% | 662 |
| Net interest margin | 2.7663% | 4,382 |
| Noninterest income to average assets | 0.0295% | 4,932 |
| Noninterest expense to average assets | 3.8668% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -1.1659% | 4,954 |
| Return on assets (ROA) | -1.1659% | 4,956 |
| Pretax return on assets | -1.1659% | 4,951 |
| Return on Equity (ROE) | -9.5107% | 4,964 |
| Retained earnings to average equity (ytd only) | -9.5107% | 4,926 |
| Net charge-offs to loans | 0.0312% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -79.0000% | 3,230 |
| Efficiency ratio | 143.1694% | 45 |
| Assets per employee ($millions) | 3.0890% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,183 |
| Loan loss allowance to noncurrent loans | 17.8744% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.2337% | 266 |
| Noncurrent loans to loans | 4.8308% | 117 |
| Net loans and leases to total assets | 45.8401% | 4,321 |
| Net loans and leases to deposits | 52.1419% | 4,408 |
| Net loans and leases to core deposits | 52.1419% | 4,524 |
| Total domestic deposits to total assets | 87.9141% | 1,255 |
| Equity capital to assets | 11.5140% | 1,995 |
| Core capital (leverage) ratio | 12.1167% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8287% | 339 |
| Memoranda: | ||
| Average total assets | $9,034,000 | 5,035 |
| Average earning assets | $8,723,750 | 5,020 |
| Average equity | $1,107,500 | 5,026 |
| Average total loans | $4,276,250 | 4,990 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 3,658 |
| Cost of funding earning assets | 1.0411% | 867 |
| Net interest margin | 2.8456% | 4,392 |
| Noninterest income to average assets | 0.0447% | 4,925 |
| Noninterest expense to average assets | 3.9972% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.2059% | 4,977 |
| Return on assets (ROA) | -1.2059% | 4,979 |
| Pretax return on assets | -1.2059% | 4,966 |
| Return on Equity (ROE) | -9.6343% | 4,985 |
| Retained earnings to average equity (ytd only) | -9.6343% | 4,912 |
| Net charge-offs to loans | 0.0468% | 1,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -54.0000% | 3,018 |
| Efficiency ratio | 143.2000% | 47 |
| Assets per employee ($millions) | 2.2840% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,146 |
| Loan loss allowance to noncurrent loans | 23.8710% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 496 |
| Noncurrent loans to loans | 3.6181% | 212 |
| Net loans and leases to total assets | 46.4864% | 4,337 |
| Net loans and leases to deposits | 53.0477% | 4,409 |
| Net loans and leases to core deposits | 53.0477% | 4,523 |
| Total domestic deposits to total assets | 87.6313% | 1,362 |
| Equity capital to assets | 11.9637% | 1,684 |
| Core capital (leverage) ratio | 11.9475% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6107% | 319 |
| Memoranda: | ||
| Average total assets | $8,956,333 | 5,067 |
| Average earning assets | $8,645,000 | 5,052 |
| Average equity | $1,121,000 | 5,059 |
| Average total loans | $4,273,333 | 5,021 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,758 |
| Cost of funding earning assets | 1.0256% | 1,313 |
| Net interest margin | 2.9837% | 4,310 |
| Noninterest income to average assets | 0.0902% | 4,862 |
| Noninterest expense to average assets | 4.1053% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.1278% | 5,000 |
| Return on assets (ROA) | -1.1278% | 4,984 |
| Pretax return on assets | -1.1278% | 4,967 |
| Return on Equity (ROE) | -8.8106% | 4,983 |
| Retained earnings to average equity (ytd only) | -8.8106% | 4,720 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.8788% | 70 |
| Assets per employee ($millions) | 2.2315% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 4,186 |
| Loan loss allowance to noncurrent loans | 24.0506% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.7701% | 527 |
| Noncurrent loans to loans | 3.6566% | 242 |
| Net loans and leases to total assets | 47.9834% | 4,337 |
| Net loans and leases to deposits | 55.0939% | 4,403 |
| Net loans and leases to core deposits | 55.0939% | 4,528 |
| Total domestic deposits to total assets | 87.0939% | 1,522 |
| Equity capital to assets | 12.5700% | 1,692 |
| Core capital (leverage) ratio | 13.0998% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1076% | 327 |
| Memoranda: | ||
| Average total assets | $8,866,500 | 5,117 |
| Average earning assets | $8,580,000 | 5,102 |
| Average equity | $1,135,000 | 5,108 |
| Average total loans | $4,268,000 | 5,068 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,348 |
| Cost of funding earning assets | 0.8691% | 2,338 |
| Net interest margin | 3.0824% | 4,394 |
| Noninterest income to average assets | 0.0893% | 4,954 |
| Noninterest expense to average assets | 3.7972% | 673 |
| Loan and lease loss provision to assets | 0.0670% | 2,679 |
| Net operating income to assets | -0.8041% | 5,079 |
| Return on assets (ROA) | -0.8041% | 5,085 |
| Pretax return on assets | -0.8041% | 5,080 |
| Return on Equity (ROE) | -6.1581% | 5,089 |
| Retained earnings to average equity (ytd only) | -6.1581% | 5,008 |
| Net charge-offs to loans | 0.2346% | 871 |
| Credit loss provision to net charge-offs | 60.0000% | 3,033 |
| Earnings coverage of net charge-offs (x) | -6.6000% | 3,685 |
| Efficiency ratio | 124.0876% | 69 |
| Assets per employee ($millions) | 2.9357% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 3,952 |
| Loan loss allowance to noncurrent loans | 36.8932% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 1,018 |
| Noncurrent loans to loans | 2.4437% | 452 |
| Net loans and leases to total assets | 47.4282% | 4,453 |
| Net loans and leases to deposits | 54.7301% | 4,507 |
| Net loans and leases to core deposits | 54.7301% | 4,627 |
| Total domestic deposits to total assets | 86.6583% | 1,777 |
| Equity capital to assets | 13.0351% | 1,501 |
| Core capital (leverage) ratio | 13.1915% | 1,157 |
| Tier 1 risk-based capital ratio | 28.6535% | 528 |
| Total risk-based capital ratio | 29.6028% | 530 |
| Memoranda: | ||
| Average total assets | $8,954,000 | 5,177 |
| Average earning assets | $8,629,600 | 5,161 |
| Average equity | $1,169,200 | 5,170 |
| Average total loans | $4,262,400 | 5,132 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 4,545 |
| Cost of funding earning assets | 0.8010% | 2,712 |
| Net interest margin | 3.0964% | 4,482 |
| Noninterest income to average assets | 0.1038% | 4,973 |
| Noninterest expense to average assets | 3.8705% | 610 |
| Loan and lease loss provision to assets | 0.0890% | 2,120 |
| Net operating income to assets | -0.8601% | 5,167 |
| Return on assets (ROA) | -0.8601% | 5,170 |
| Pretax return on assets | -0.8749% | 5,164 |
| Return on Equity (ROE) | -6.5841% | 5,172 |
| Retained earnings to average equity (ytd only) | -6.5841% | 5,100 |
| Net charge-offs to loans | 0.3119% | 559 |
| Credit loss provision to net charge-offs | 60.0000% | 2,707 |
| Earnings coverage of net charge-offs (x) | -5.3008% | 3,424 |
| Efficiency ratio | 125.4808% | 69 |
| Assets per employee ($millions) | 3.0240% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 3,933 |
| Loan loss allowance to noncurrent loans | 139.2857% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,311 |
| Noncurrent loans to loans | 0.6660% | 2,291 |
| Net loans and leases to total assets | 45.9105% | 4,603 |
| Net loans and leases to deposits | 52.9225% | 4,673 |
| Net loans and leases to core deposits | 52.9225% | 4,780 |
| Total domestic deposits to total assets | 86.7504% | 1,649 |
| Equity capital to assets | 12.8086% | 1,726 |
| Core capital (leverage) ratio | 12.9172% | 1,374 |
| Tier 1 risk-based capital ratio | 29.2296% | 509 |
| Total risk-based capital ratio | 30.2115% | 509 |
| Memoranda: | ||
| Average total assets | $8,990,750 | 5,254 |
| Average earning assets | $8,655,000 | 5,239 |
| Average equity | $1,174,500 | 5,247 |
| Average total loans | $4,274,250 | 5,210 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 4,677 |
| Cost of funding earning assets | 0.7193% | 3,055 |
| Net interest margin | 3.1092% | 4,516 |
| Noninterest income to average assets | 0.0892% | 5,080 |
| Noninterest expense to average assets | 3.9493% | 572 |
| Loan and lease loss provision to assets | 0.1339% | 1,383 |
| Net operating income to assets | -1.0041% | 5,225 |
| Return on assets (ROA) | -1.0041% | 5,229 |
| Pretax return on assets | -1.0041% | 5,223 |
| Return on Equity (ROE) | -7.6357% | 5,223 |
| Retained earnings to average equity (ytd only) | -7.6357% | 5,128 |
| Net charge-offs to loans | 0.4654% | 345 |
| Credit loss provision to net charge-offs | 60.0000% | 2,402 |
| Earnings coverage of net charge-offs (x) | -3.9000% | 3,137 |
| Efficiency ratio | 128.2609% | 61 |
| Assets per employee ($millions) | 2.9440% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 4,098 |
| Loan loss allowance to noncurrent loans | 131.0345% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 3,221 |
| Noncurrent loans to loans | 0.6859% | 2,261 |
| Net loans and leases to total assets | 47.4411% | 4,591 |
| Net loans and leases to deposits | 54.9652% | 4,635 |
| Net loans and leases to core deposits | 54.9652% | 4,750 |
| Total domestic deposits to total assets | 86.3111% | 1,887 |
| Equity capital to assets | 13.2699% | 1,454 |
| Core capital (leverage) ratio | 13.5441% | 1,095 |
| Tier 1 risk-based capital ratio | 30.6447% | 465 |
| Total risk-based capital ratio | 31.6366% | 463 |
| Memoranda: | ||
| Average total assets | $8,963,670 | 5,301 |
| Average earning assets | $8,619,670 | 5,287 |
| Average equity | $1,178,670 | 5,294 |
| Average total loans | $4,297,670 | 5,257 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,535 |
| Cost of funding earning assets | 0.6900% | 3,104 |
| Net interest margin | 3.2201% | 4,348 |
| Noninterest income to average assets | 0.0886% | 5,120 |
| Noninterest expense to average assets | 4.0312% | 518 |
| Loan and lease loss provision to assets | 0.2658% | 527 |
| Net operating income to assets | -1.1075% | 5,290 |
| Return on assets (ROA) | -1.1075% | 5,288 |
| Pretax return on assets | -1.1075% | 5,283 |
| Return on Equity (ROE) | -8.4602% | 5,285 |
| Retained earnings to average equity (ytd only) | -8.4602% | 5,048 |
| Net charge-offs to loans | 0.9233% | 157 |
| Credit loss provision to net charge-offs | 60.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | -1.9000% | 2,699 |
| Efficiency ratio | 126.3889% | 63 |
| Assets per employee ($millions) | 3.0040% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 4,208 |
| Loan loss allowance to noncurrent loans | 12.9252% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 3.2623% | 171 |
| Noncurrent loans to loans | 6.8788% | 57 |
| Net loans and leases to total assets | 47.0040% | 4,618 |
| Net loans and leases to deposits | 54.3077% | 4,667 |
| Net loans and leases to core deposits | 54.3077% | 4,775 |
| Total domestic deposits to total assets | 86.5513% | 2,038 |
| Equity capital to assets | 13.0826% | 1,405 |
| Core capital (leverage) ratio | 13.1925% | 1,188 |
| Tier 1 risk-based capital ratio | 30.5897% | 455 |
| Total risk-based capital ratio | 31.5641% | 454 |
| Memoranda: | ||
| Average total assets | $9,029,500 | 5,359 |
| Average earning assets | $8,695,500 | 5,345 |
| Average equity | $1,182,000 | 5,351 |
| Average total loans | $4,332,500 | 5,316 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 4,248 |
| Cost of funding earning assets | 0.4793% | 3,491 |
| Net interest margin | 3.4331% | 3,898 |
| Noninterest income to average assets | 0.1075% | 5,130 |
| Noninterest expense to average assets | 3.8158% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.6127% | 5,325 |
| Return on assets (ROA) | -0.6127% | 5,319 |
| Pretax return on assets | -0.3977% | 5,302 |
| Return on Equity (ROE) | -4.7069% | 5,312 |
| Retained earnings to average equity (ytd only) | -4.7069% | 5,235 |
| Net charge-offs to loans | 0.1135% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -7.4000% | 3,750 |
| Efficiency ratio | 111.6352% | 76 |
| Assets per employee ($millions) | 3.0157% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,816 |
| Loan loss allowance to noncurrent loans | 28.6667% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 660 |
| Noncurrent loans to loans | 3.4161% | 268 |
| Net loans and leases to total assets | 48.0601% | 4,633 |
| Net loans and leases to deposits | 55.4946% | 4,684 |
| Net loans and leases to core deposits | 55.4946% | 4,797 |
| Total domestic deposits to total assets | 86.6033% | 1,963 |
| Equity capital to assets | 13.0983% | 1,297 |
| Core capital (leverage) ratio | 12.8221% | 1,315 |
| Tier 1 risk-based capital ratio | 30.8451% | 434 |
| Total risk-based capital ratio | 31.9332% | 435 |
| Memoranda: | ||
| Average total assets | $9,303,400 | 5,402 |
| Average earning assets | $8,971,400 | 5,387 |
| Average equity | $1,211,000 | 5,395 |
| Average total loans | $4,405,800 | 5,360 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 4,297 |
| Cost of funding earning assets | 0.4570% | 3,478 |
| Net interest margin | 3.4057% | 3,991 |
| Noninterest income to average assets | 0.1138% | 5,160 |
| Noninterest expense to average assets | 3.8693% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.3983% | 5,378 |
| Return on assets (ROA) | -0.3983% | 5,374 |
| Pretax return on assets | -0.4694% | 5,377 |
| Return on Equity (ROE) | -3.0505% | 5,370 |
| Retained earnings to average equity (ytd only) | -3.0505% | 5,253 |
| Net charge-offs to loans | 0.1209% | 1,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -8.2552% | 3,465 |
| Efficiency ratio | 113.8075% | 73 |
| Assets per employee ($millions) | 3.1760% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,918 |
| Loan loss allowance to noncurrent loans | 30.4965% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 869 |
| Noncurrent loans to loans | 3.1973% | 326 |
| Net loans and leases to total assets | 45.8333% | 4,813 |
| Net loans and leases to deposits | 52.7161% | 4,864 |
| Net loans and leases to core deposits | 52.7161% | 4,948 |
| Total domestic deposits to total assets | 86.9437% | 1,757 |
| Equity capital to assets | 12.6679% | 1,486 |
| Core capital (leverage) ratio | 13.5590% | 1,081 |
| Tier 1 risk-based capital ratio | 30.7276% | 445 |
| Total risk-based capital ratio | 31.7847% | 446 |
| Memoranda: | ||
| Average total assets | $9,372,750 | 5,473 |
| Average earning assets | $9,043,250 | 5,458 |
| Average equity | $1,223,750 | 5,463 |
| Average total loans | $4,409,500 | 5,430 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 4,051 |
| Cost of funding earning assets | 0.4221% | 3,556 |
| Net interest margin | 3.4877% | 3,672 |
| Noninterest income to average assets | 0.1073% | 5,250 |
| Noninterest expense to average assets | 3.8837% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.3433% | 5,421 |
| Return on assets (ROA) | -0.3433% | 5,416 |
| Pretax return on assets | -0.4077% | 5,418 |
| Return on Equity (ROE) | -2.6030% | 5,407 |
| Retained earnings to average equity (ytd only) | -2.6030% | 5,193 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7284% | 89 |
| Assets per employee ($millions) | 3.0423% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,427 |
| Loan loss allowance to noncurrent loans | 31.7568% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.6216% | 783 |
| Noncurrent loans to loans | 3.3721% | 305 |
| Net loans and leases to total assets | 47.5731% | 4,744 |
| Net loans and leases to deposits | 55.0806% | 4,795 |
| Net loans and leases to core deposits | 55.0806% | 4,896 |
| Total domestic deposits to total assets | 86.3701% | 2,110 |
| Equity capital to assets | 13.3231% | 1,174 |
| Core capital (leverage) ratio | 13.3579% | 1,113 |
| Tier 1 risk-based capital ratio | 30.7577% | 450 |
| Total risk-based capital ratio | 31.9330% | 448 |
| Memoranda: | ||
| Average total assets | $9,321,000 | 5,537 |
| Average earning assets | $9,003,000 | 5,523 |
| Average equity | $1,229,330 | 5,527 |
| Average total loans | $4,409,330 | 5,494 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 4,038 |
| Cost of funding earning assets | 0.4390% | 3,297 |
| Net interest margin | 3.4239% | 3,803 |
| Noninterest income to average assets | 0.1699% | 5,003 |
| Noninterest expense to average assets | 3.8649% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.3398% | 5,476 |
| Return on assets (ROA) | -0.3398% | 5,472 |
| Pretax return on assets | -0.3822% | 5,481 |
| Return on Equity (ROE) | -2.5890% | 5,460 |
| Retained earnings to average equity (ytd only) | -2.5890% | 5,053 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9756% | 97 |
| Assets per employee ($millions) | 3.1320% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,491 |
| Loan loss allowance to noncurrent loans | 11.8388% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 4.2252% | 141 |
| Noncurrent loans to loans | 9.1496% | 32 |
| Net loans and leases to total assets | 45.6790% | 4,811 |
| Net loans and leases to deposits | 52.6820% | 4,852 |
| Net loans and leases to core deposits | 52.6820% | 4,961 |
| Total domestic deposits to total assets | 86.7071% | 2,236 |
| Equity capital to assets | 13.0481% | 1,214 |
| Core capital (leverage) ratio | 13.1856% | 1,110 |
| Tier 1 risk-based capital ratio | 30.5755% | 453 |
| Total risk-based capital ratio | 31.7362% | 450 |
| Memoranda: | ||
| Average total assets | $9,418,000 | 5,601 |
| Average earning assets | $9,112,500 | 5,587 |
| Average equity | $1,236,000 | 5,589 |
| Average total loans | $4,419,500 | 5,556 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,568 |
| Cost of funding earning assets | 0.3993% | 3,263 |
| Net interest margin | 3.2049% | 4,437 |
| Noninterest income to average assets | 0.1345% | 5,274 |
| Noninterest expense to average assets | 3.5586% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3000% | 5,475 |
| Return on assets (ROA) | -0.3000% | 5,475 |
| Pretax return on assets | -0.3517% | 5,521 |
| Return on Equity (ROE) | -2.3027% | 5,468 |
| Retained earnings to average equity (ytd only) | -2.3027% | 5,306 |
| Net charge-offs to loans | 0.0221% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -34.0000% | 4,114 |
| Efficiency ratio | 110.9677% | 100 |
| Assets per employee ($millions) | 3.1467% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,659 |
| Loan loss allowance to noncurrent loans | 39.8305% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2500% | 1,165 |
| Noncurrent loans to loans | 2.6222% | 494 |
| Net loans and leases to total assets | 47.1716% | 4,820 |
| Net loans and leases to deposits | 54.4709% | 4,871 |
| Net loans and leases to core deposits | 54.4709% | 4,987 |
| Total domestic deposits to total assets | 86.5996% | 2,190 |
| Equity capital to assets | 13.1992% | 1,163 |
| Core capital (leverage) ratio | 15.0294% | 613 |
| Tier 1 risk-based capital ratio | 30.6436% | 438 |
| Total risk-based capital ratio | 31.7723% | 440 |
| Memoranda: | ||
| Average total assets | $9,666,600 | 5,664 |
| Average earning assets | $9,267,200 | 5,651 |
| Average equity | $1,259,400 | 5,654 |
| Average total loans | $4,515,400 | 5,623 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 4,579 |
| Cost of funding earning assets | 0.4009% | 3,183 |
| Net interest margin | 3.1931% | 4,464 |
| Noninterest income to average assets | 0.1371% | 5,322 |
| Noninterest expense to average assets | 3.6749% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.4114% | 5,619 |
| Return on assets (ROA) | -0.4114% | 5,619 |
| Pretax return on assets | -0.4800% | 5,623 |
| Return on Equity (ROE) | -3.1677% | 5,610 |
| Retained earnings to average equity (ytd only) | -3.1677% | 5,496 |
| Net charge-offs to loans | 0.0294% | 2,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -35.0902% | 3,787 |
| Efficiency ratio | 115.0215% | 78 |
| Assets per employee ($millions) | 3.2717% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,617 |
| Loan loss allowance to noncurrent loans | 32.1918% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4875% | 1,026 |
| Noncurrent loans to loans | 3.3471% | 342 |
| Net loans and leases to total assets | 43.9633% | 5,027 |
| Net loans and leases to deposits | 50.5506% | 5,104 |
| Net loans and leases to core deposits | 50.5506% | 5,182 |
| Total domestic deposits to total assets | 86.9689% | 1,881 |
| Equity capital to assets | 12.7662% | 1,505 |
| Core capital (leverage) ratio | 14.3178% | 813 |
| Tier 1 risk-based capital ratio | 30.6270% | 452 |
| Total risk-based capital ratio | 31.7559% | 455 |
| Memoranda: | ||
| Average total assets | $9,723,250 | 5,729 |
| Average earning assets | $9,311,750 | 5,716 |
| Average equity | $1,262,750 | 5,721 |
| Average total loans | $4,519,250 | 5,686 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6293% | 4,432 |
| Cost of funding earning assets | 0.3866% | 3,216 |
| Net interest margin | 3.2428% | 4,284 |
| Noninterest income to average assets | 0.1857% | 5,121 |
| Noninterest expense to average assets | 3.6935% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.4746% | 5,677 |
| Return on assets (ROA) | -0.4746% | 5,675 |
| Pretax return on assets | -0.3920% | 5,649 |
| Return on Equity (ROE) | -3.6335% | 5,664 |
| Retained earnings to average equity (ytd only) | -3.6335% | 5,474 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8750% | 95 |
| Assets per employee ($millions) | 3.2000% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,852 |
| Loan loss allowance to noncurrent loans | 48.9796% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 1,714 |
| Noncurrent loans to loans | 2.1430% | 762 |
| Net loans and leases to total assets | 47.1354% | 4,874 |
| Net loans and leases to deposits | 54.4066% | 4,942 |
| Net loans and leases to core deposits | 54.4066% | 5,073 |
| Total domestic deposits to total assets | 86.6354% | 2,117 |
| Equity capital to assets | 13.1667% | 1,296 |
| Core capital (leverage) ratio | 13.3869% | 1,027 |
| Tier 1 risk-based capital ratio | 30.3023% | 451 |
| Total risk-based capital ratio | 31.4360% | 457 |
| Memoranda: | ||
| Average total assets | $9,692,670 | 5,780 |
| Average earning assets | $9,313,000 | 5,764 |
| Average equity | $1,266,000 | 5,770 |
| Average total loans | $4,571,670 | 5,736 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 4,302 |
| Cost of funding earning assets | 0.3855% | 3,137 |
| Net interest margin | 3.2557% | 4,150 |
| Noninterest income to average assets | 0.1643% | 5,293 |
| Noninterest expense to average assets | 3.6554% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4518% | 5,733 |
| Return on assets (ROA) | -0.4518% | 5,730 |
| Pretax return on assets | -0.3696% | 5,704 |
| Return on Equity (ROE) | -3.4728% | 5,714 |
| Retained earnings to average equity (ytd only) | -3.4728% | 5,292 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2500% | 114 |
| Assets per employee ($millions) | 3.2420% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,989 |
| Loan loss allowance to noncurrent loans | 48.4848% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 1,790 |
| Noncurrent loans to loans | 2.1616% | 791 |
| Net loans and leases to total assets | 46.5968% | 4,912 |
| Net loans and leases to deposits | 53.6141% | 4,959 |
| Net loans and leases to core deposits | 53.6141% | 5,081 |
| Total domestic deposits to total assets | 86.9114% | 2,263 |
| Equity capital to assets | 12.9961% | 1,260 |
| Core capital (leverage) ratio | 13.3961% | 1,006 |
| Tier 1 risk-based capital ratio | 30.3421% | 466 |
| Total risk-based capital ratio | 31.4667% | 470 |
| Memoranda: | ||
| Average total assets | $9,739,000 | 5,848 |
| Average earning assets | $9,337,500 | 5,831 |
| Average equity | $1,267,000 | 5,836 |
| Average total loans | $4,571,000 | 5,806 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 4,487 |
| Cost of funding earning assets | 0.3998% | 3,000 |
| Net interest margin | 3.2085% | 4,429 |
| Noninterest income to average assets | 0.0197% | 5,827 |
| Noninterest expense to average assets | 3.6316% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4312% | 5,773 |
| Return on assets (ROA) | -0.4232% | 5,780 |
| Pretax return on assets | -0.5216% | 5,782 |
| Return on Equity (ROE) | -3.2844% | 5,762 |
| Retained earnings to average equity (ytd only) | -3.2844% | 5,599 |
| Net charge-offs to loans | -0.0211% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1429% | 91 |
| Assets per employee ($millions) | 3.2507% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 4,000 |
| Loan loss allowance to noncurrent loans | 24.8705% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 700 |
| Noncurrent loans to loans | 4.2306% | 231 |
| Net loans and leases to total assets | 46.2879% | 4,999 |
| Net loans and leases to deposits | 53.2563% | 5,048 |
| Net loans and leases to core deposits | 53.2563% | 5,171 |
| Total domestic deposits to total assets | 86.9155% | 2,193 |
| Equity capital to assets | 13.0230% | 1,244 |
| Core capital (leverage) ratio | 12.9409% | 1,153 |
| Tier 1 risk-based capital ratio | 30.9112% | 444 |
| Total risk-based capital ratio | 32.0473% | 448 |
| Memoranda: | ||
| Average total assets | $10,160,800 | 5,903 |
| Average earning assets | $9,755,200 | 5,888 |
| Average equity | $1,309,200 | 5,895 |
| Average total loans | $4,743,000 | 5,859 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 4,428 |
| Cost of funding earning assets | 0.3929% | 3,094 |
| Net interest margin | 3.2509% | 4,345 |
| Noninterest income to average assets | -0.0260% | 5,945 |
| Noninterest expense to average assets | 3.7414% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.5568% | 5,865 |
| Return on assets (ROA) | -0.5456% | 5,866 |
| Pretax return on assets | -0.6365% | 5,871 |
| Return on Equity (ROE) | -4.2505% | 5,851 |
| Retained earnings to average equity (ytd only) | -4.2505% | 5,705 |
| Net charge-offs to loans | -0.0278% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.0084% | 81 |
| Assets per employee ($millions) | 3.3570% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,291 |
| Loan loss allowance to noncurrent loans | 32.6531% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.4596% | 1,242 |
| Noncurrent loans to loans | 3.1263% | 465 |
| Net loans and leases to total assets | 46.2119% | 5,081 |
| Net loans and leases to deposits | 53.3349% | 5,146 |
| Net loans and leases to core deposits | 53.3349% | 5,252 |
| Total domestic deposits to total assets | 86.6448% | 2,058 |
| Equity capital to assets | 12.9977% | 1,489 |
| Core capital (leverage) ratio | 13.0962% | 1,151 |
| Tier 1 risk-based capital ratio | 29.7248% | 491 |
| Total risk-based capital ratio | 30.8165% | 492 |
| Memoranda: | ||
| Average total assets | $10,263,250 | 5,969 |
| Average earning assets | $9,843,250 | 5,954 |
| Average equity | $1,317,500 | 5,959 |
| Average total loans | $4,788,250 | 5,924 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,190 |
| Cost of funding earning assets | 0.4033% | 3,003 |
| Net interest margin | 3.3268% | 4,135 |
| Noninterest income to average assets | 0.1162% | 5,718 |
| Noninterest expense to average assets | 3.7377% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3652% | 5,895 |
| Return on assets (ROA) | -0.3486% | 5,899 |
| Pretax return on assets | -0.4067% | 5,906 |
| Return on Equity (ROE) | -2.7266% | 5,890 |
| Retained earnings to average equity (ytd only) | -2.7266% | 5,604 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8655% | 127 |
| Assets per employee ($millions) | 3.3260% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,697 |
| Loan loss allowance to noncurrent loans | 31.7568% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 2.1147% | 756 |
| Noncurrent loans to loans | 3.0390% | 489 |
| Net loans and leases to total assets | 48.3363% | 4,964 |
| Net loans and leases to deposits | 56.0033% | 5,011 |
| Net loans and leases to core deposits | 56.0033% | 5,173 |
| Total domestic deposits to total assets | 86.3099% | 2,261 |
| Equity capital to assets | 13.3895% | 1,288 |
| Core capital (leverage) ratio | 13.1306% | 1,106 |
| Tier 1 risk-based capital ratio | 29.5031% | 520 |
| Total risk-based capital ratio | 30.5457% | 521 |
| Memoranda: | ||
| Average total assets | $10,327,330 | 6,047 |
| Average earning assets | $9,919,330 | 6,031 |
| Average equity | $1,320,330 | 6,035 |
| Average total loans | $4,817,000 | 6,001 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 3,951 |
| Cost of funding earning assets | 0.3956% | 3,126 |
| Net interest margin | 3.4021% | 3,860 |
| Noninterest income to average assets | 0.0762% | 5,887 |
| Noninterest expense to average assets | 3.6945% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2914% | 5,912 |
| Return on assets (ROA) | -0.6475% | 5,997 |
| Pretax return on assets | -0.7618% | 6,000 |
| Return on Equity (ROE) | -5.1810% | 5,974 |
| Retained earnings to average equity (ytd only) | -5.1810% | 5,618 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2273% | 152 |
| Assets per employee ($millions) | 3.4077% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,847 |
| Loan loss allowance to noncurrent loans | 31.7568% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 2.0640% | 828 |
| Noncurrent loans to loans | 2.9911% | 550 |
| Net loans and leases to total assets | 47.9409% | 4,972 |
| Net loans and leases to deposits | 55.2786% | 5,025 |
| Net loans and leases to core deposits | 55.2786% | 5,174 |
| Total domestic deposits to total assets | 86.7260% | 2,344 |
| Equity capital to assets | 13.0197% | 1,396 |
| Core capital (leverage) ratio | 12.5579% | 1,316 |
| Tier 1 risk-based capital ratio | 28.8474% | 555 |
| Total risk-based capital ratio | 29.8676% | 553 |
| Memoranda: | ||
| Average total assets | $10,502,000 | 6,110 |
| Average earning assets | $10,111,500 | 6,092 |
| Average equity | $1,312,500 | 6,097 |
| Average total loans | $4,790,500 | 6,065 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 4,352 |
| Cost of funding earning assets | 0.4189% | 2,952 |
| Net interest margin | 3.2876% | 4,339 |
| Noninterest income to average assets | -1.5106% | 6,181 |
| Noninterest expense to average assets | 3.3510% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -1.8839% | 6,135 |
| Return on assets (ROA) | -1.8839% | 6,135 |
| Pretax return on assets | -1.7276% | 6,127 |
| Return on Equity (ROE) | -15.4141% | 6,121 |
| Retained earnings to average equity (ytd only) | -15.4141% | 6,090 |
| Net charge-offs to loans | -0.3512% | 6,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.4171% | 12 |
| Assets per employee ($millions) | 3.5937% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 4,518 |
| Loan loss allowance to noncurrent loans | 33.8129% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 1,026 |
| Noncurrent loans to loans | 3.0002% | 536 |
| Net loans and leases to total assets | 42.5378% | 5,374 |
| Net loans and leases to deposits | 48.4522% | 5,466 |
| Net loans and leases to core deposits | 48.4522% | 5,548 |
| Total domestic deposits to total assets | 87.7933% | 1,750 |
| Equity capital to assets | 12.0026% | 1,949 |
| Core capital (leverage) ratio | 12.2579% | 1,476 |
| Tier 1 risk-based capital ratio | 29.8693% | 510 |
| Total risk-based capital ratio | 30.9329% | 511 |
| Memoranda: | ||
| Average total assets | $11,518,800 | 6,164 |
| Average earning assets | $10,980,600 | 6,149 |
| Average equity | $1,407,800 | 6,155 |
| Average total loans | $4,556,400 | 6,127 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,369 |
| Cost of funding earning assets | 0.4318% | 2,884 |
| Net interest margin | 3.2861% | 4,413 |
| Noninterest income to average assets | 0.0794% | 6,017 |
| Noninterest expense to average assets | 3.1310% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0454% | 5,895 |
| Return on assets (ROA) | 0.0454% | 5,940 |
| Pretax return on assets | 0.0567% | 5,928 |
| Return on Equity (ROE) | 0.3586% | 5,942 |
| Retained earnings to average equity (ytd only) | 0.3586% | 5,513 |
| Net charge-offs to loans | -0.4996% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2206% | 348 |
| Assets per employee ($millions) | 2.8390% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 4,534 |
| Loan loss allowance to noncurrent loans | 81.3559% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 2.7739% | 579 |
| Noncurrent loans to loans | 1.2768% | 2,003 |
| Net loans and leases to total assets | 40.2695% | 5,577 |
| Net loans and leases to deposits | 46.6205% | 5,626 |
| Net loans and leases to core deposits | 46.6205% | 5,711 |
| Total domestic deposits to total assets | 86.3772% | 2,345 |
| Equity capital to assets | 13.3498% | 1,292 |
| Core capital (leverage) ratio | 13.6435% | 964 |
| Tier 1 risk-based capital ratio | 32.9345% | 415 |
| Total risk-based capital ratio | 33.9421% | 418 |
| Memoranda: | ||
| Average total assets | $11,753,000 | 6,250 |
| Average earning assets | $11,117,250 | 6,236 |
| Average equity | $1,486,500 | 6,235 |
| Average total loans | $4,537,250 | 6,209 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 4,405 |
| Cost of funding earning assets | 0.4270% | 2,961 |
| Net interest margin | 3.2737% | 4,404 |
| Noninterest income to average assets | 0.0673% | 6,120 |
| Noninterest expense to average assets | 3.1467% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0168% | 5,973 |
| Return on assets (ROA) | 0.0168% | 6,009 |
| Pretax return on assets | 0.0168% | 6,002 |
| Return on Equity (ROE) | 0.1354% | 6,009 |
| Retained earnings to average equity (ytd only) | 0.1354% | 5,462 |
| Net charge-offs to loans | -0.0887% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4681% | 335 |
| Assets per employee ($millions) | 2.9335% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7191% | 5,769 |
| Loan loss allowance to noncurrent loans | 48.5294% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.7612% | 646 |
| Noncurrent loans to loans | 1.4818% | 1,791 |
| Net loans and leases to total assets | 38.8273% | 5,698 |
| Net loans and leases to deposits | 44.3622% | 5,749 |
| Net loans and leases to core deposits | 44.3622% | 5,823 |
| Total domestic deposits to total assets | 87.5234% | 1,894 |
| Equity capital to assets | 12.2124% | 1,866 |
| Core capital (leverage) ratio | 13.2707% | 1,062 |
| Tier 1 risk-based capital ratio | 32.2362% | 452 |
| Total risk-based capital ratio | 32.9150% | 463 |
| Memoranda: | ||
| Average total assets | $11,885,330 | 6,327 |
| Average earning assets | $11,241,000 | 6,310 |
| Average equity | $1,476,670 | 6,311 |
| Average total loans | $4,509,330 | 6,284 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 4,107 |
| Cost of funding earning assets | 0.4588% | 2,691 |
| Net interest margin | 3.3177% | 4,145 |
| Noninterest income to average assets | 0.1003% | 6,080 |
| Noninterest expense to average assets | 3.2773% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0334% | 6,046 |
| Return on assets (ROA) | -0.0334% | 6,080 |
| Pretax return on assets | -0.0334% | 6,076 |
| Return on Equity (ROE) | -0.2669% | 6,079 |
| Retained earnings to average equity (ytd only) | -0.2669% | 5,429 |
| Net charge-offs to loans | -0.0895% | 5,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0309% | 342 |
| Assets per employee ($millions) | 2.9908% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 5,852 |
| Loan loss allowance to noncurrent loans | 47.0588% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.7084% | 742 |
| Noncurrent loans to loans | 1.5455% | 1,817 |
| Net loans and leases to total assets | 36.5126% | 5,805 |
| Net loans and leases to deposits | 41.9839% | 5,831 |
| Net loans and leases to core deposits | 41.9839% | 5,910 |
| Total domestic deposits to total assets | 86.9682% | 2,386 |
| Equity capital to assets | 12.8563% | 1,475 |
| Core capital (leverage) ratio | 13.1945% | 1,091 |
| Tier 1 risk-based capital ratio | 32.6995% | 436 |
| Total risk-based capital ratio | 33.3682% | 450 |
| Memoranda: | ||
| Average total assets | $11,961,000 | 6,396 |
| Average earning assets | $11,333,000 | 6,380 |
| Average equity | $1,498,500 | 6,377 |
| Average total loans | $4,469,500 | 6,352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 4,491 |
| Cost of funding earning assets | 0.4899% | 2,774 |
| Net interest margin | 3.3112% | 4,532 |
| Noninterest income to average assets | 0.1712% | 5,832 |
| Noninterest expense to average assets | 3.2950% | 1,944 |
| Loan and lease loss provision to assets | 0.0770% | 2,938 |
| Net operating income to assets | -0.0856% | 6,147 |
| Return on assets (ROA) | -0.0856% | 6,152 |
| Pretax return on assets | -0.0770% | 6,133 |
| Return on Equity (ROE) | -0.7595% | 6,154 |
| Retained earnings to average equity (ytd only) | -0.7595% | 5,887 |
| Net charge-offs to loans | 0.8413% | 403 |
| Credit loss provision to net charge-offs | 23.0769% | 3,935 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,714 |
| Efficiency ratio | 100.0000% | 361 |
| Assets per employee ($millions) | 2.9898% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 6,020 |
| Loan loss allowance to noncurrent loans | 18.0233% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 3.3949% | 556 |
| Noncurrent loans to loans | 3.7894% | 515 |
| Net loans and leases to total assets | 37.6955% | 5,869 |
| Net loans and leases to deposits | 43.0030% | 5,927 |
| Net loans and leases to core deposits | 43.0030% | 5,994 |
| Total domestic deposits to total assets | 87.6578% | 1,951 |
| Equity capital to assets | 12.2000% | 1,860 |
| Core capital (leverage) ratio | 12.7639% | 1,221 |
| Tier 1 risk-based capital ratio | 32.0311% | 427 |
| Total risk-based capital ratio | 32.0515% | 469 |
| Memoranda: | ||
| Average total assets | $11,684,200 | 6,486 |
| Average earning assets | $11,023,200 | 6,469 |
| Average equity | $1,316,600 | 6,478 |
| Average total loans | $4,635,800 | 6,443 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 4,316 |
| Cost of funding earning assets | 0.4874% | 2,888 |
| Net interest margin | 3.3754% | 4,333 |
| Noninterest income to average assets | 0.1607% | 5,951 |
| Noninterest expense to average assets | 3.3403% | 1,814 |
| Loan and lease loss provision to assets | 0.1033% | 2,315 |
| Net operating income to assets | -0.1148% | 6,227 |
| Return on assets (ROA) | -0.1148% | 6,234 |
| Pretax return on assets | -0.1033% | 6,205 |
| Return on Equity (ROE) | -1.0406% | 6,229 |
| Retained earnings to average equity (ytd only) | -1.0406% | 5,969 |
| Net charge-offs to loans | 0.4006% | 991 |
| Credit loss provision to net charge-offs | 64.2857% | 2,868 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,451 |
| Efficiency ratio | 100.0000% | 362 |
| Assets per employee ($millions) | 2.9290% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 4,192 |
| Loan loss allowance to noncurrent loans | 62.9213% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.7569% | 901 |
| Noncurrent loans to loans | 1.9156% | 1,673 |
| Net loans and leases to total assets | 39.1772% | 5,866 |
| Net loans and leases to deposits | 45.5222% | 5,897 |
| Net loans and leases to core deposits | 45.5222% | 5,971 |
| Total domestic deposits to total assets | 86.0618% | 2,815 |
| Equity capital to assets | 11.6337% | 2,372 |
| Core capital (leverage) ratio | 13.2476% | 1,086 |
| Tier 1 risk-based capital ratio | 31.3200% | 465 |
| Total risk-based capital ratio | 32.3200% | 474 |
| Memoranda: | ||
| Average total assets | $11,615,500 | 6,566 |
| Average earning assets | $10,941,500 | 6,546 |
| Average equity | $1,281,000 | 6,558 |
| Average total loans | $4,660,000 | 6,520 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,942 |
| Cost of funding earning assets | 0.5141% | 2,685 |
| Net interest margin | 3.4333% | 4,048 |
| Noninterest income to average assets | 0.1727% | 5,916 |
| Noninterest expense to average assets | 3.1601% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2072% | 5,815 |
| Return on assets (ROA) | 0.2072% | 5,873 |
| Pretax return on assets | 0.2418% | 5,891 |
| Return on Equity (ROE) | 1.9144% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.9144% | 4,926 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8934% | 702 |
| Assets per employee ($millions) | 2.9395% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 3,649 |
| Loan loss allowance to noncurrent loans | 184.8485% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 2.3048% | 1,291 |
| Noncurrent loans to loans | 0.7242% | 3,887 |
| Net loans and leases to total assets | 38.2378% | 5,941 |
| Net loans and leases to deposits | 44.3480% | 5,965 |
| Net loans and leases to core deposits | 44.3480% | 6,051 |
| Total domestic deposits to total assets | 86.2221% | 2,919 |
| Equity capital to assets | 11.4815% | 2,442 |
| Core capital (leverage) ratio | 13.4947% | 975 |
| Tier 1 risk-based capital ratio | 31.2795% | 472 |
| Total risk-based capital ratio | 32.4409% | 468 |
| Memoranda: | ||
| Average total assets | $11,582,000 | 6,635 |
| Average earning assets | $10,893,330 | 6,612 |
| Average equity | $1,253,670 | 6,624 |
| Average total loans | $4,664,670 | 6,584 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,492 |
| Cost of funding earning assets | 0.5198% | 2,722 |
| Net interest margin | 3.5270% | 3,581 |
| Noninterest income to average assets | 0.1392% | 6,143 |
| Noninterest expense to average assets | 3.2713% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1392% | 5,949 |
| Return on assets (ROA) | 0.1392% | 5,984 |
| Pretax return on assets | 0.1740% | 5,969 |
| Return on Equity (ROE) | 1.3273% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.3273% | 5,086 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9495% | 697 |
| Assets per employee ($millions) | 2.9495% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,000 |
| Loan loss allowance to noncurrent loans | 58.6538% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.8988% | 1,003 |
| Noncurrent loans to loans | 2.2535% | 1,603 |
| Net loans and leases to total assets | 38.5998% | 5,900 |
| Net loans and leases to deposits | 44.2695% | 5,964 |
| Net loans and leases to core deposits | 44.2695% | 6,065 |
| Total domestic deposits to total assets | 87.1927% | 2,709 |
| Equity capital to assets | 10.5526% | 3,200 |
| Core capital (leverage) ratio | 13.8209% | 883 |
| Tier 1 risk-based capital ratio | 30.7273% | 494 |
| Total risk-based capital ratio | 31.8553% | 497 |
| Memoranda: | ||
| Average total assets | $11,494,000 | 6,708 |
| Average earning assets | $10,774,000 | 6,687 |
| Average equity | $1,205,500 | 6,694 |
| Average total loans | $4,718,500 | 6,655 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 4,080 |
| Cost of funding earning assets | 0.5979% | 2,680 |
| Net interest margin | 3.4037% | 4,259 |
| Noninterest income to average assets | 0.1304% | 6,274 |
| Noninterest expense to average assets | 3.2067% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1217% | 5,996 |
| Return on assets (ROA) | 0.1217% | 6,060 |
| Pretax return on assets | 0.1390% | 6,030 |
| Return on Equity (ROE) | 1.0216% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.0216% | 5,381 |
| Net charge-offs to loans | -0.0206% | 6,149 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8442% | 652 |
| Assets per employee ($millions) | 2.7975% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,322 |
| Loan loss allowance to noncurrent loans | 55.9633% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 3.1010% | 1,005 |
| Noncurrent loans to loans | 2.2605% | 1,715 |
| Net loans and leases to total assets | 42.5469% | 5,789 |
| Net loans and leases to deposits | 48.7807% | 5,843 |
| Net loans and leases to core deposits | 48.7807% | 5,991 |
| Total domestic deposits to total assets | 87.2207% | 2,615 |
| Equity capital to assets | 10.4200% | 3,263 |
| Core capital (leverage) ratio | 13.9346% | 842 |
| Tier 1 risk-based capital ratio | 30.6376% | 480 |
| Total risk-based capital ratio | 31.7652% | 477 |
| Memoranda: | ||
| Average total assets | $11,507,000 | 6,789 |
| Average earning assets | $10,870,600 | 6,770 |
| Average equity | $1,370,400 | 6,772 |
| Average total loans | $4,850,600 | 6,740 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 4,309 |
| Cost of funding earning assets | 0.6080% | 2,747 |
| Net interest margin | 3.3439% | 4,483 |
| Noninterest income to average assets | 0.1036% | 6,471 |
| Noninterest expense to average assets | 3.0840% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1611% | 6,015 |
| Return on assets (ROA) | 0.1611% | 6,080 |
| Pretax return on assets | 0.1842% | 6,064 |
| Return on Equity (ROE) | 1.3134% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.3134% | 5,458 |
| Net charge-offs to loans | -0.0274% | 6,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3662% | 714 |
| Assets per employee ($millions) | 2.8320% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,648 |
| Loan loss allowance to noncurrent loans | 321.0526% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 2.2687% | 1,744 |
| Noncurrent loans to loans | 0.3889% | 5,224 |
| Net loans and leases to total assets | 42.5847% | 5,852 |
| Net loans and leases to deposits | 49.0693% | 5,901 |
| Net loans and leases to core deposits | 49.0693% | 6,067 |
| Total domestic deposits to total assets | 86.7850% | 2,811 |
| Equity capital to assets | 10.8492% | 2,916 |
| Core capital (leverage) ratio | 13.7955% | 925 |
| Tier 1 risk-based capital ratio | 30.4600% | 495 |
| Total risk-based capital ratio | 31.5617% | 501 |
| Memoranda: | ||
| Average total assets | $11,586,250 | 6,865 |
| Average earning assets | $10,965,000 | 6,848 |
| Average equity | $1,421,500 | 6,841 |
| Average total loans | $4,857,750 | 6,817 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 4,454 |
| Cost of funding earning assets | 0.6148% | 2,809 |
| Net interest margin | 3.2909% | 4,621 |
| Noninterest income to average assets | 0.1199% | 6,449 |
| Noninterest expense to average assets | 3.0671% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1371% | 6,049 |
| Return on assets (ROA) | 0.1371% | 6,154 |
| Pretax return on assets | 0.1713% | 6,122 |
| Return on Equity (ROE) | 1.0770% | 6,192 |
| Retained earnings to average equity (ytd only) | 1.0770% | 5,468 |
| Net charge-offs to loans | -0.0412% | 6,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7090% | 724 |
| Assets per employee ($millions) | 2.8923% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,809 |
| Loan loss allowance to noncurrent loans | 381.2500% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 2.2042% | 1,959 |
| Noncurrent loans to loans | 0.3240% | 5,486 |
| Net loans and leases to total assets | 42.1558% | 5,888 |
| Net loans and leases to deposits | 47.7155% | 5,999 |
| Net loans and leases to core deposits | 47.7155% | 6,144 |
| Total domestic deposits to total assets | 88.3482% | 2,013 |
| Equity capital to assets | 11.4184% | 2,362 |
| Core capital (leverage) ratio | 13.2731% | 1,063 |
| Tier 1 risk-based capital ratio | 30.1246% | 513 |
| Total risk-based capital ratio | 31.2943% | 512 |
| Memoranda: | ||
| Average total assets | $11,672,330 | 6,913 |
| Average earning assets | $11,060,670 | 6,896 |
| Average equity | $1,485,670 | 6,884 |
| Average total loans | $4,848,670 | 6,865 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 4,382 |
| Cost of funding earning assets | 0.6482% | 2,675 |
| Net interest margin | 3.2769% | 4,603 |
| Noninterest income to average assets | 0.1024% | 6,567 |
| Noninterest expense to average assets | 3.1730% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0341% | 6,289 |
| Return on assets (ROA) | 0.0341% | 6,371 |
| Pretax return on assets | 0.0341% | 6,366 |
| Return on Equity (ROE) | 0.2551% | 6,383 |
| Retained earnings to average equity (ytd only) | 0.2551% | 5,704 |
| Net charge-offs to loans | -0.0833% | 6,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9362% | 588 |
| Assets per employee ($millions) | 2.9818% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,652 |
| Loan loss allowance to noncurrent loans | 277.2727% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 2.1883% | 2,135 |
| Noncurrent loans to loans | 0.4723% | 5,241 |
| Net loans and leases to total assets | 38.5428% | 6,117 |
| Net loans and leases to deposits | 44.4283% | 6,171 |
| Net loans and leases to core deposits | 44.4283% | 6,290 |
| Total domestic deposits to total assets | 86.7527% | 3,102 |
| Equity capital to assets | 13.0460% | 1,407 |
| Core capital (leverage) ratio | 13.3704% | 988 |
| Tier 1 risk-based capital ratio | 31.8089% | 458 |
| Total risk-based capital ratio | 33.0488% | 455 |
| Memoranda: | ||
| Average total assets | $11,724,000 | 6,990 |
| Average earning assets | $11,108,000 | 6,972 |
| Average equity | $1,568,000 | 6,947 |
| Average total loans | $4,804,000 | 6,937 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 3,213 |
| Cost of funding earning assets | 0.7990% | 2,677 |
| Net interest margin | 3.7499% | 3,438 |
| Noninterest income to average assets | -0.3747% | 7,011 |
| Noninterest expense to average assets | 3.1596% | 2,734 |
| Loan and lease loss provision to assets | -0.0426% | 6,862 |
| Net operating income to assets | 0.1277% | 5,950 |
| Return on assets (ROA) | 0.1363% | 6,080 |
| Pretax return on assets | 0.0341% | 6,241 |
| Return on Equity (ROE) | 1.0169% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.0169% | 5,369 |
| Net charge-offs to loans | -0.0190% | 6,545 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5420% | 542 |
| Assets per employee ($millions) | 2.8803% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 5,060 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 2.1092% | 2,324 |
| Noncurrent loans to loans | 0.1010% | 6,236 |
| Net loans and leases to total assets | 42.4442% | 5,954 |
| Net loans and leases to deposits | 49.2894% | 6,009 |
| Net loans and leases to core deposits | 49.2894% | 6,191 |
| Total domestic deposits to total assets | 86.1123% | 3,293 |
| Equity capital to assets | 13.7141% | 1,148 |
| Core capital (leverage) ratio | 13.4085% | 980 |
| Tier 1 risk-based capital ratio | 30.8622% | 478 |
| Total risk-based capital ratio | 31.9921% | 474 |
| Memoranda: | ||
| Average total assets | $11,742,000 | 7,053 |
| Average earning assets | $11,013,600 | 7,038 |
| Average equity | $1,573,400 | 7,017 |
| Average total loans | $5,258,200 | 6,994 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 3,447 |
| Cost of funding earning assets | 0.8340% | 2,678 |
| Net interest margin | 3.7107% | 3,748 |
| Noninterest income to average assets | -0.5538% | 7,139 |
| Noninterest expense to average assets | 3.0176% | 3,180 |
| Loan and lease loss provision to assets | -0.0565% | 7,005 |
| Net operating income to assets | 0.1284% | 6,076 |
| Return on assets (ROA) | 0.1356% | 6,205 |
| Pretax return on assets | -0.0339% | 6,430 |
| Return on Equity (ROE) | 1.0180% | 6,244 |
| Retained earnings to average equity (ytd only) | 1.0180% | 5,760 |
| Net charge-offs to loans | -0.0500% | 6,712 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4884% | 428 |
| Assets per employee ($millions) | 2.9228% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,514 |
| Loan loss allowance to noncurrent loans | 3,050.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 2.1555% | 2,485 |
| Noncurrent loans to loans | 0.0377% | 6,525 |
| Net loans and leases to total assets | 44.8037% | 5,891 |
| Net loans and leases to deposits | 51.8357% | 5,985 |
| Net loans and leases to core deposits | 51.8357% | 6,189 |
| Total domestic deposits to total assets | 86.4340% | 3,024 |
| Equity capital to assets | 13.3778% | 1,400 |
| Core capital (leverage) ratio | 13.1503% | 1,132 |
| Tier 1 risk-based capital ratio | 29.2559% | 566 |
| Total risk-based capital ratio | 30.3082% | 572 |
| Memoranda: | ||
| Average total assets | $11,797,250 | 7,148 |
| Average earning assets | $11,030,750 | 7,132 |
| Average equity | $1,571,750 | 7,113 |
| Average total loans | $5,335,250 | 7,089 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 3,267 |
| Cost of funding earning assets | 0.8882% | 2,501 |
| Net interest margin | 3.7339% | 3,667 |
| Noninterest income to average assets | 0.1521% | 6,438 |
| Noninterest expense to average assets | 3.0762% | 2,996 |
| Loan and lease loss provision to assets | 0.1014% | 4,260 |
| Net operating income to assets | 0.3888% | 5,252 |
| Return on assets (ROA) | 0.3888% | 5,493 |
| Pretax return on assets | 0.4564% | 5,562 |
| Return on Equity (ROE) | 2.9219% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.9219% | 4,691 |
| Net charge-offs to loans | -0.0374% | 6,589 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6512% | 1,570 |
| Assets per employee ($millions) | 3.0218% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 4,719 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 2.6475% | 2,088 |
| Noncurrent loans to loans | 0.0376% | 6,587 |
| Net loans and leases to total assets | 43.3689% | 6,078 |
| Net loans and leases to deposits | 50.1291% | 6,173 |
| Net loans and leases to core deposits | 50.1291% | 6,336 |
| Total domestic deposits to total assets | 86.5144% | 3,062 |
| Equity capital to assets | 13.2374% | 1,418 |
| Core capital (leverage) ratio | 13.0634% | 1,132 |
| Tier 1 risk-based capital ratio | 28.8288% | 584 |
| Total risk-based capital ratio | 30.0791% | 568 |
| Memoranda: | ||
| Average total assets | $11,832,670 | 7,209 |
| Average earning assets | $11,034,000 | 7,193 |
| Average equity | $1,574,330 | 7,167 |
| Average total loans | $5,347,330 | 7,149 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 3,200 |
| Cost of funding earning assets | 0.9471% | 2,316 |
| Net interest margin | 3.7155% | 3,763 |
| Noninterest income to average assets | 0.1025% | 6,734 |
| Noninterest expense to average assets | 3.2122% | 2,561 |
| Loan and lease loss provision to assets | 0.1025% | 4,055 |
| Net operating income to assets | 0.2392% | 5,857 |
| Return on assets (ROA) | 0.2392% | 6,004 |
| Pretax return on assets | 0.2734% | 6,026 |
| Return on Equity (ROE) | 1.7931% | 6,136 |
| Retained earnings to average equity (ytd only) | 1.7931% | 5,348 |
| Net charge-offs to loans | -0.0746% | 6,691 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5238% | 1,138 |
| Assets per employee ($millions) | 3.0098% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 5,019 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 2.9903% | 1,938 |
| Noncurrent loans to loans | 0.0383% | 6,663 |
| Net loans and leases to total assets | 42.8524% | 6,113 |
| Net loans and leases to deposits | 49.2929% | 6,195 |
| Net loans and leases to core deposits | 49.2929% | 6,379 |
| Total domestic deposits to total assets | 86.9341% | 2,990 |
| Equity capital to assets | 12.8582% | 1,507 |
| Core capital (leverage) ratio | 13.2042% | 1,055 |
| Tier 1 risk-based capital ratio | 28.6055% | 596 |
| Total risk-based capital ratio | 29.8516% | 587 |
| Memoranda: | ||
| Average total assets | $11,705,500 | 7,274 |
| Average earning assets | $10,981,000 | 7,257 |
| Average equity | $1,561,500 | 7,225 |
| Average total loans | $5,364,500 | 7,206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 4,005 |
| Cost of funding earning assets | 1.0163% | 3,262 |
| Net interest margin | 3.7392% | 4,119 |
| Noninterest income to average assets | 0.1610% | 6,343 |
| Noninterest expense to average assets | 3.5335% | 1,905 |
| Loan and lease loss provision to assets | 0.1879% | 4,306 |
| Net operating income to assets | -0.1073% | 6,172 |
| Return on assets (ROA) | -0.1073% | 6,246 |
| Pretax return on assets | -0.0716% | 6,188 |
| Return on Equity (ROE) | -0.7732% | 6,224 |
| Retained earnings to average equity (ytd only) | -0.7732% | 5,974 |
| Net charge-offs to loans | -0.0183% | 6,945 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8137% | 780 |
| Assets per employee ($millions) | 2.8430% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,566 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 3.1657% | 1,890 |
| Noncurrent loans to loans | 0.0364% | 6,736 |
| Net loans and leases to total assets | 47.8192% | 5,841 |
| Net loans and leases to deposits | 55.6317% | 5,919 |
| Net loans and leases to core deposits | 55.6317% | 6,180 |
| Total domestic deposits to total assets | 85.9567% | 3,346 |
| Equity capital to assets | 13.8498% | 1,128 |
| Core capital (leverage) ratio | 13.4120% | 1,003 |
| Tier 1 risk-based capital ratio | 28.6031% | 580 |
| Total risk-based capital ratio | 29.7317% | 576 |
| Memoranda: | ||
| Average total assets | $11,178,600 | 7,323 |
| Average earning assets | $10,430,000 | 7,309 |
| Average equity | $1,552,000 | 7,283 |
| Average total loans | $5,456,400 | 7,258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 4,512 |
| Cost of funding earning assets | 1.0404% | 3,388 |
| Net interest margin | 3.6477% | 4,578 |
| Noninterest income to average assets | 0.1557% | 6,482 |
| Noninterest expense to average assets | 3.6177% | 1,671 |
| Loan and lease loss provision to assets | 0.2156% | 3,859 |
| Net operating income to assets | -0.2276% | 6,414 |
| Return on assets (ROA) | -0.2276% | 6,491 |
| Pretax return on assets | -0.2755% | 6,474 |
| Return on Equity (ROE) | -1.6382% | 6,444 |
| Retained earnings to average equity (ytd only) | -1.6382% | 6,253 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6835% | 613 |
| Assets per employee ($millions) | 2.9015% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 6,000 |
| Loan loss allowance to noncurrent loans | 857.1429% | 413 |
| Noncurrent assets plus other real estate owned to assets | 3.1449% | 2,031 |
| Noncurrent loans to loans | 0.1245% | 6,625 |
| Net loans and leases to total assets | 47.9235% | 5,965 |
| Net loans and leases to deposits | 55.6200% | 6,064 |
| Net loans and leases to core deposits | 55.6200% | 6,341 |
| Total domestic deposits to total assets | 86.1623% | 3,122 |
| Equity capital to assets | 13.5706% | 1,342 |
| Core capital (leverage) ratio | 14.1672% | 852 |
| Tier 1 risk-based capital ratio | 28.1502% | 642 |
| Total risk-based capital ratio | 29.1026% | 652 |
| Memoranda: | ||
| Average total assets | $11,130,250 | 7,401 |
| Average earning assets | $10,380,750 | 7,387 |
| Average equity | $1,546,250 | 7,357 |
| Average total loans | $5,445,000 | 7,329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 4,638 |
| Cost of funding earning assets | 1.0761% | 3,420 |
| Net interest margin | 3.6002% | 4,714 |
| Noninterest income to average assets | 0.1641% | 6,481 |
| Noninterest expense to average assets | 3.5728% | 1,802 |
| Loan and lease loss provision to assets | 0.2187% | 3,732 |
| Net operating income to assets | -0.2370% | 6,504 |
| Return on assets (ROA) | -0.2370% | 6,542 |
| Pretax return on assets | -0.2734% | 6,513 |
| Return on Equity (ROE) | -1.6920% | 6,483 |
| Retained earnings to average equity (ytd only) | -1.6920% | 6,195 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5544% | 678 |
| Assets per employee ($millions) | 2.7713% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2296% | 2,076 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 46.7479% | 6,184 |
| Net loans and leases to deposits | 54.5876% | 6,262 |
| Net loans and leases to core deposits | 54.5876% | 6,525 |
| Total domestic deposits to total assets | 85.6382% | 3,528 |
| Equity capital to assets | 14.1092% | 1,062 |
| Core capital (leverage) ratio | 14.0311% | 860 |
| Tier 1 risk-based capital ratio | 30.7799% | 496 |
| Total risk-based capital ratio | 31.6730% | 503 |
| Memoranda: | ||
| Average total assets | $10,971,670 | 7,478 |
| Average earning assets | $10,221,670 | 7,461 |
| Average equity | $1,536,670 | 7,427 |
| Average total loans | $5,386,000 | 7,407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 4,577 |
| Cost of funding earning assets | 1.1816% | 2,931 |
| Net interest margin | 3.5055% | 4,985 |
| Noninterest income to average assets | 0.2199% | 6,162 |
| Noninterest expense to average assets | 3.7013% | 1,533 |
| Loan and lease loss provision to assets | 0.2199% | 3,457 |
| Net operating income to assets | -0.3665% | 6,722 |
| Return on assets (ROA) | -0.3665% | 6,726 |
| Pretax return on assets | -0.4398% | 6,725 |
| Return on Equity (ROE) | -2.6264% | 6,637 |
| Retained earnings to average equity (ytd only) | -2.6264% | 6,244 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3158% | 568 |
| Assets per employee ($millions) | 2.7600% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2428% | 2,119 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.8007% | 5,876 |
| Net loans and leases to deposits | 57.8920% | 5,935 |
| Net loans and leases to core deposits | 57.8920% | 6,266 |
| Total domestic deposits to total assets | 86.0236% | 3,520 |
| Equity capital to assets | 13.7319% | 1,092 |
| Core capital (leverage) ratio | 14.3079% | 773 |
| Tier 1 risk-based capital ratio | 29.7431% | 532 |
| Total risk-based capital ratio | 30.3140% | 555 |
| Memoranda: | ||
| Average total assets | $10,915,000 | 7,535 |
| Average earning assets | $10,155,500 | 7,521 |
| Average equity | $1,523,000 | 7,486 |
| Average total loans | $5,461,000 | 7,463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 5,078 |
| Cost of funding earning assets | 1.3559% | 3,533 |
| Net interest margin | 3.5350% | 5,091 |
| Noninterest income to average assets | 0.1555% | 6,610 |
| Noninterest expense to average assets | 3.2662% | 2,846 |
| Loan and lease loss provision to assets | 0.2653% | 4,676 |
| Net operating income to assets | 0.1372% | 5,478 |
| Return on assets (ROA) | 0.1372% | 5,631 |
| Pretax return on assets | -0.0366% | 5,936 |
| Return on Equity (ROE) | 0.9601% | 5,711 |
| Retained earnings to average equity (ytd only) | 0.9601% | 5,072 |
| Net charge-offs to loans | 0.8899% | 2,410 |
| Credit loss provision to net charge-offs | 56.8627% | 6,140 |
| Earnings coverage of net charge-offs (x) | 0.4902% | 5,623 |
| Efficiency ratio | 93.4555% | 1,091 |
| Assets per employee ($millions) | 2.6975% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 7,013 |
| Loan loss allowance to noncurrent loans | 700.0000% | 491 |
| Noncurrent assets plus other real estate owned to assets | 3.7627% | 1,823 |
| Noncurrent loans to loans | 0.1116% | 6,863 |
| Net loans and leases to total assets | 49.4347% | 6,221 |
| Net loans and leases to deposits | 57.6898% | 6,283 |
| Net loans and leases to core deposits | 57.6898% | 6,586 |
| Total domestic deposits to total assets | 85.6905% | 3,500 |
| Equity capital to assets | 14.1798% | 988 |
| Core capital (leverage) ratio | 14.0649% | 833 |
| Tier 1 risk-based capital ratio | 31.0087% | 464 |
| Total risk-based capital ratio | 31.4224% | 495 |
| Memoranda: | ||
| Average total assets | $10,930,000 | 7,615 |
| Average earning assets | $10,325,200 | 7,600 |
| Average equity | $1,562,400 | 7,576 |
| Average total loans | $5,730,800 | 7,539 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 5,552 |
| Cost of funding earning assets | 1.3452% | 3,939 |
| Net interest margin | 3.4845% | 5,362 |
| Noninterest income to average assets | 0.1580% | 6,736 |
| Noninterest expense to average assets | 3.0886% | 3,384 |
| Loan and lease loss provision to assets | 0.2797% | 4,340 |
| Net operating income to assets | 0.2918% | 5,200 |
| Return on assets (ROA) | 0.2918% | 5,368 |
| Pretax return on assets | 0.0973% | 5,916 |
| Return on Equity (ROE) | 2.0376% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.0376% | 4,938 |
| Net charge-offs to loans | 0.8707% | 2,270 |
| Credit loss provision to net charge-offs | 60.5263% | 5,674 |
| Earnings coverage of net charge-offs (x) | 0.8157% | 5,237 |
| Efficiency ratio | 89.1228% | 1,357 |
| Assets per employee ($millions) | 2.8858% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 6,748 |
| Loan loss allowance to noncurrent loans | 54.4444% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 4.0024% | 1,746 |
| Noncurrent loans to loans | 1.6520% | 4,166 |
| Net loans and leases to total assets | 46.7729% | 6,634 |
| Net loans and leases to deposits | 54.4309% | 6,735 |
| Net loans and leases to core deposits | 54.4309% | 6,937 |
| Total domestic deposits to total assets | 85.9309% | 3,115 |
| Equity capital to assets | 13.8266% | 1,231 |
| Core capital (leverage) ratio | 13.5231% | 1,055 |
| Tier 1 risk-based capital ratio | 29.3908% | 548 |
| Total risk-based capital ratio | 29.9906% | 571 |
| Memoranda: | ||
| Average total assets | $10,965,000 | 7,715 |
| Average earning assets | $10,407,750 | 7,700 |
| Average equity | $1,570,500 | 7,676 |
| Average total loans | $5,819,500 | 7,634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 5,159 |
| Cost of funding earning assets | 1.3212% | 4,405 |
| Net interest margin | 3.6334% | 4,669 |
| Noninterest income to average assets | 0.1485% | 6,828 |
| Noninterest expense to average assets | 3.2862% | 2,600 |
| Loan and lease loss provision to assets | 0.1857% | 5,015 |
| Net operating income to assets | 0.1300% | 5,784 |
| Return on assets (ROA) | 0.1300% | 5,891 |
| Pretax return on assets | 0.1485% | 5,887 |
| Return on Equity (ROE) | 0.8963% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.8963% | 5,409 |
| Net charge-offs to loans | 0.9759% | 1,896 |
| Credit loss provision to net charge-offs | 34.4828% | 5,675 |
| Earnings coverage of net charge-offs (x) | 0.6207% | 5,120 |
| Efficiency ratio | 90.7692% | 1,278 |
| Assets per employee ($millions) | 2.8385% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 7,134 |
| Loan loss allowance to noncurrent loans | 121.6216% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 3.4966% | 2,007 |
| Noncurrent loans to loans | 0.6207% | 6,007 |
| Net loans and leases to total assets | 52.1050% | 6,200 |
| Net loans and leases to deposits | 60.7517% | 6,336 |
| Net loans and leases to core deposits | 60.7517% | 6,654 |
| Total domestic deposits to total assets | 85.7671% | 3,222 |
| Equity capital to assets | 13.9070% | 1,201 |
| Core capital (leverage) ratio | 14.0311% | 921 |
| Tier 1 risk-based capital ratio | 27.3208% | 678 |
| Total risk-based capital ratio | 27.6555% | 734 |
| Memoranda: | ||
| Average total assets | $10,772,330 | 7,783 |
| Average earning assets | $10,293,330 | 7,767 |
| Average equity | $1,562,000 | 7,741 |
| Average total loans | $5,943,330 | 7,698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 5,512 |
| Cost of funding earning assets | 1.3405% | 4,558 |
| Net interest margin | 3.5484% | 4,951 |
| Noninterest income to average assets | 0.1526% | 6,875 |
| Noninterest expense to average assets | 3.3201% | 2,466 |
| Loan and lease loss provision to assets | 0.1908% | 4,591 |
| Net operating income to assets | 0.0763% | 6,091 |
| Return on assets (ROA) | 0.0763% | 6,198 |
| Pretax return on assets | 0.0763% | 6,197 |
| Return on Equity (ROE) | 0.5150% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.5150% | 5,623 |
| Net charge-offs to loans | -0.0674% | 7,434 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5532% | 1,243 |
| Assets per employee ($millions) | 2.6933% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,862 |
| Loan loss allowance to noncurrent loans | 17.9487% | 7,110 |
| Noncurrent assets plus other real estate owned to assets | 3.6202% | 1,936 |
| Noncurrent loans to loans | 6.2984% | 1,012 |
| Net loans and leases to total assets | 56.8273% | 5,636 |
| Net loans and leases to deposits | 66.6159% | 5,756 |
| Net loans and leases to core deposits | 66.6159% | 6,238 |
| Total domestic deposits to total assets | 85.3059% | 3,506 |
| Equity capital to assets | 14.4435% | 1,021 |
| Core capital (leverage) ratio | 14.4091% | 876 |
| Tier 1 risk-based capital ratio | 28.2978% | 618 |
| Total risk-based capital ratio | 29.5749% | 602 |
| Memoranda: | ||
| Average total assets | $10,481,500 | 7,887 |
| Average earning assets | $10,145,500 | 7,870 |
| Average equity | $1,553,500 | 7,829 |
| Average total loans | $5,934,500 | 7,797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 5,649 |
| Cost of funding earning assets | 1.7239% | 4,387 |
| Net interest margin | 3.4769% | 5,057 |
| Noninterest income to average assets | 0.1969% | 6,685 |
| Noninterest expense to average assets | 3.3567% | 2,815 |
| Loan and lease loss provision to assets | 0.2813% | 5,171 |
| Net operating income to assets | -0.0750% | 5,636 |
| Return on assets (ROA) | -0.0750% | 5,651 |
| Pretax return on assets | -0.0750% | 5,564 |
| Return on Equity (ROE) | -0.5132% | 5,623 |
| Retained earnings to average equity (ytd only) | -0.5132% | 5,111 |
| Net charge-offs to loans | 0.4595% | 3,945 |
| Credit loss provision to net charge-offs | 115.3846% | 4,725 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 5,263 |
| Efficiency ratio | 94.2105% | 1,402 |
| Assets per employee ($millions) | 2.5475% | 7,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,764 |
| Loan loss allowance to noncurrent loans | 17.4387% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 3.6016% | 1,858 |
| Noncurrent loans to loans | 6.4647% | 933 |
| Net loans and leases to total assets | 55.0834% | 6,072 |
| Net loans and leases to deposits | 65.1387% | 6,147 |
| Net loans and leases to core deposits | 79.2014% | 6,166 |
| Total domestic deposits to total assets | 84.5633% | 3,770 |
| Equity capital to assets | 15.2208% | 862 |
| Core capital (leverage) ratio | 15.0272% | 784 |
| Tier 1 risk-based capital ratio | 30.6611% | 488 |
| Total risk-based capital ratio | 31.9082% | 478 |
| Memoranda: | ||
| Average total assets | $10,665,200 | 7,961 |
| Average earning assets | $10,325,400 | 7,939 |
| Average equity | $1,558,800 | 7,917 |
| Average total loans | $5,658,000 | 7,876 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3074% | 5,387 |
| Cost of funding earning assets | 1.7990% | 4,387 |
| Net interest margin | 3.5085% | 4,826 |
| Noninterest income to average assets | 0.1978% | 6,803 |
| Noninterest expense to average assets | 3.3259% | 2,821 |
| Loan and lease loss provision to assets | 0.3091% | 4,498 |
| Net operating income to assets | -0.0494% | 5,800 |
| Return on assets (ROA) | -0.0494% | 5,850 |
| Pretax return on assets | -0.0371% | 5,762 |
| Return on Equity (ROE) | -0.3415% | 5,836 |
| Retained earnings to average equity (ytd only) | -0.3415% | 5,301 |
| Net charge-offs to loans | 0.5188% | 3,141 |
| Credit loss provision to net charge-offs | 113.6364% | 4,471 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,051 |
| Efficiency ratio | 92.4399% | 1,509 |
| Assets per employee ($millions) | 2.6355% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,480 |
| Loan loss allowance to noncurrent loans | 17.1662% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 3.5667% | 1,851 |
| Noncurrent loans to loans | 6.6353% | 856 |
| Net loans and leases to total assets | 51.8687% | 6,609 |
| Net loans and leases to deposits | 63.9308% | 6,490 |
| Net loans and leases to core deposits | 74.6179% | 6,695 |
| Total domestic deposits to total assets | 81.1326% | 5,023 |
| Equity capital to assets | 14.7410% | 1,081 |
| Core capital (leverage) ratio | 14.4505% | 965 |
| Tier 1 risk-based capital ratio | 31.4055% | 499 |
| Total risk-based capital ratio | 32.6593% | 486 |
| Memoranda: | ||
| Average total assets | $10,784,000 | 8,045 |
| Average earning assets | $10,450,500 | 8,017 |
| Average equity | $1,560,750 | 8,001 |
| Average total loans | $5,653,250 | 7,952 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 5,268 |
| Cost of funding earning assets | 1.9188% | 4,169 |
| Net interest margin | 3.4576% | 4,971 |
| Noninterest income to average assets | 0.2025% | 6,850 |
| Noninterest expense to average assets | 3.1662% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3313% | 4,757 |
| Return on assets (ROA) | 0.3313% | 4,871 |
| Pretax return on assets | 0.3866% | 4,970 |
| Return on Equity (ROE) | 2.3033% | 5,183 |
| Retained earnings to average equity (ytd only) | 2.3033% | 4,056 |
| Net charge-offs to loans | -0.0351% | 7,799 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1192% | 1,894 |
| Assets per employee ($millions) | 2.7890% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,901 |
| Loan loss allowance to noncurrent loans | 13.6986% | 7,409 |
| Noncurrent assets plus other real estate owned to assets | 3.9261% | 1,529 |
| Noncurrent loans to loans | 7.6748% | 596 |
| Net loans and leases to total assets | 50.6185% | 6,815 |
| Net loans and leases to deposits | 61.7496% | 6,748 |
| Net loans and leases to core deposits | 71.2555% | 6,949 |
| Total domestic deposits to total assets | 81.9738% | 4,703 |
| Equity capital to assets | 14.0911% | 1,282 |
| Core capital (leverage) ratio | 14.1168% | 1,110 |
| Tier 1 risk-based capital ratio | 30.7153% | 559 |
| Total risk-based capital ratio | 31.8846% | 552 |
| Memoranda: | ||
| Average total assets | $10,864,670 | 8,136 |
| Average earning assets | $10,527,670 | 8,103 |
| Average equity | $1,563,000 | 8,084 |
| Average total loans | $5,694,000 | 8,038 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6221% | 4,227 |
| Cost of funding earning assets | 2.0409% | 3,917 |
| Net interest margin | 3.5812% | 4,401 |
| Noninterest income to average assets | 0.1866% | 6,957 |
| Noninterest expense to average assets | 3.3585% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2612% | 5,433 |
| Return on assets (ROA) | 0.2612% | 5,603 |
| Pretax return on assets | 0.2985% | 5,686 |
| Return on Equity (ROE) | 1.7966% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.7966% | 4,847 |
| Net charge-offs to loans | -0.0703% | 7,796 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8367% | 1,582 |
| Assets per employee ($millions) | 2.1636% | 7,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 5,901 |
| Loan loss allowance to noncurrent loans | 88.2353% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 5,605 |
| Noncurrent loans to loans | 1.1728% | 4,635 |
| Net loans and leases to total assets | 53.0412% | 6,576 |
| Net loans and leases to deposits | 65.0272% | 6,459 |
| Net loans and leases to core deposits | 74.4615% | 6,779 |
| Total domestic deposits to total assets | 81.5678% | 4,720 |
| Equity capital to assets | 14.4759% | 1,242 |
| Core capital (leverage) ratio | 14.5206% | 1,079 |
| Tier 1 risk-based capital ratio | 29.5240% | 651 |
| Total risk-based capital ratio | 30.6573% | 643 |
| Memoranda: | ||
| Average total assets | $10,719,000 | 8,183 |
| Average earning assets | $10,387,500 | 8,155 |
| Average equity | $1,558,500 | 8,140 |
| Average total loans | $5,687,500 | 8,093 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7187% | 6,716 |
| Cost of funding earning assets | 2.9158% | 2,194 |
| Net interest margin | 2.8029% | 7,330 |
| Noninterest income to average assets | 0.1547% | 7,320 |
| Noninterest expense to average assets | 3.1309% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2730% | 6,708 |
| Return on assets (ROA) | -0.2730% | 6,554 |
| Pretax return on assets | -0.2639% | 6,428 |
| Return on Equity (ROE) | -1.9152% | 6,489 |
| Retained earnings to average equity (ytd only) | -1.9152% | 5,849 |
| Net charge-offs to loans | 0.0575% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -9.6667% | 6,892 |
| Efficiency ratio | 109.2063% | 726 |
| Assets per employee ($millions) | 2.6550% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 5,559 |
| Loan loss allowance to noncurrent loans | 453.8462% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 7,093 |
| Noncurrent loans to loans | 0.2331% | 6,683 |
| Net loans and leases to total assets | 51.9586% | 6,848 |
| Net loans and leases to deposits | 63.8214% | 6,814 |
| Net loans and leases to core deposits | 73.2510% | 7,009 |
| Total domestic deposits to total assets | 81.4124% | 4,455 |
| Equity capital to assets | 14.6045% | 1,275 |
| Core capital (leverage) ratio | 14.5118% | 1,138 |
| Tier 1 risk-based capital ratio | 30.5566% | 610 |
| Total risk-based capital ratio | 31.7131% | 603 |
| Memoranda: | ||
| Average total assets | $10,987,400 | 8,233 |
| Average earning assets | $10,631,800 | 8,207 |
| Average equity | $1,566,400 | 8,203 |
| Average total loans | $5,220,000 | 8,150 |