Home > Armor Bank > Performance and Condition Ratios
Armor Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 2,505 |
| Cost of funding earning assets | 1.8244% | 1,210 |
| Net interest margin | 2.9605% | 3,377 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.6633% | 1,839 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.2201% | 4,138 |
| Return on assets (ROA) | 0.2201% | 4,152 |
| Pretax return on assets | 0.2201% | 4,177 |
| Return on Equity (ROE) | 2.9500% | 4,031 |
| Retained earnings to average equity (ytd only) | 2.9494% | 3,294 |
| Net charge-offs to loans | 0.0533% | 1,335 |
| Credit loss provision to net charge-offs | 84.8485% | 1,984 |
| Earnings coverage of net charge-offs (x) | 7.1636% | 2,424 |
| Efficiency ratio | 89.2381% | 436 |
| Assets per employee ($millions) | 6.3704% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,700 |
| Loan loss allowance to noncurrent loans | 71,580.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,852 |
| Noncurrent loans to loans | 0.0016% | 3,792 |
| Net loans and leases to total assets | 72.6700% | 1,507 |
| Net loans and leases to deposits | 78.8070% | 2,207 |
| Net loans and leases to core deposits | 95.6164% | 1,675 |
| Total domestic deposits to total assets | 92.2200% | 274 |
| Equity capital to assets | 7.4093% | 3,766 |
| Core capital (leverage) ratio | 7.9660% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6031% | 2,690 |
| Memoranda: | ||
| Average total assets | $414,417,600 | 1,972 |
| Average earning assets | $371,080,800 | 2,005 |
| Average equity | $30,921,600 | 2,227 |
| Average total loans | $309,485,800 | 1,756 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 2,693 |
| Cost of funding earning assets | 1.6027% | 1,367 |
| Net interest margin | 2.9913% | 3,355 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.7055% | 1,640 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.2079% | 4,220 |
| Return on assets (ROA) | 0.2079% | 4,237 |
| Pretax return on assets | 0.2079% | 4,254 |
| Return on Equity (ROE) | 2.7800% | 4,123 |
| Retained earnings to average equity (ytd only) | 2.7817% | 3,561 |
| Net charge-offs to loans | 0.0751% | 956 |
| Credit loss provision to net charge-offs | 86.7052% | 1,716 |
| Earnings coverage of net charge-offs (x) | 4.8497% | 2,372 |
| Efficiency ratio | 89.7520% | 383 |
| Assets per employee ($millions) | 6.7254% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 2,830 |
| Loan loss allowance to noncurrent loans | 358,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,895 |
| Noncurrent loans to loans | 0.0003% | 3,840 |
| Net loans and leases to total assets | 73.1800% | 1,450 |
| Net loans and leases to deposits | 79.7852% | 2,070 |
| Net loans and leases to core deposits | 97.6296% | 1,467 |
| Total domestic deposits to total assets | 91.7200% | 511 |
| Equity capital to assets | 6.7750% | 3,717 |
| Core capital (leverage) ratio | 8.2990% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $409,725,000 | 1,986 |
| Average earning assets | $367,548,250 | 2,014 |
| Average equity | $30,628,000 | 2,225 |
| Average total loans | $307,257,750 | 1,765 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 2,756 |
| Cost of funding earning assets | 1.3643% | 1,544 |
| Net interest margin | 3.0901% | 3,245 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.7245% | 1,588 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.2726% | 4,200 |
| Return on assets (ROA) | 0.2726% | 4,228 |
| Pretax return on assets | 0.2726% | 4,255 |
| Return on Equity (ROE) | 3.5300% | 4,090 |
| Retained earnings to average equity (ytd only) | 3.5266% | 3,340 |
| Net charge-offs to loans | 0.0828% | 767 |
| Credit loss provision to net charge-offs | 120.0000% | 1,331 |
| Earnings coverage of net charge-offs (x) | 5.5680% | 2,164 |
| Efficiency ratio | 87.5995% | 441 |
| Assets per employee ($millions) | 6.2667% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,668 |
| Loan loss allowance to noncurrent loans | 1,899.4764% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,309 |
| Noncurrent loans to loans | 0.0610% | 3,263 |
| Net loans and leases to total assets | 75.9700% | 1,055 |
| Net loans and leases to deposits | 83.1564% | 1,749 |
| Net loans and leases to core deposits | 102.8913% | 1,095 |
| Total domestic deposits to total assets | 91.3600% | 538 |
| Equity capital to assets | 7.6060% | 3,464 |
| Core capital (leverage) ratio | 8.6220% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $400,582,667 | 2,011 |
| Average earning assets | $360,181,333 | 2,041 |
| Average equity | $30,965,000 | 2,222 |
| Average total loans | $301,849,667 | 1,775 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,733 |
| Cost of funding earning assets | 1.0599% | 1,860 |
| Net interest margin | 3.2670% | 2,957 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.7230% | 1,610 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.3897% | 4,102 |
| Return on assets (ROA) | 0.3897% | 4,051 |
| Pretax return on assets | 0.3897% | 4,146 |
| Return on Equity (ROE) | 5.0000% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.0006% | 3,019 |
| Net charge-offs to loans | 0.0041% | 1,840 |
| Credit loss provision to net charge-offs | 3,666.6667% | 122 |
| Earnings coverage of net charge-offs (x) | 165.6667% | 575 |
| Efficiency ratio | 83.4427% | 619 |
| Assets per employee ($millions) | 6.5972% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,383 |
| Loan loss allowance to noncurrent loans | 1,257.6271% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,053 |
| Noncurrent loans to loans | 0.0979% | 3,054 |
| Net loans and leases to total assets | 75.1800% | 1,061 |
| Net loans and leases to deposits | 81.8831% | 1,662 |
| Net loans and leases to core deposits | 97.4826% | 1,207 |
| Total domestic deposits to total assets | 91.8200% | 561 |
| Equity capital to assets | 7.9481% | 3,276 |
| Core capital (leverage) ratio | 9.0960% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $397,205,000 | 2,051 |
| Average earning assets | $357,021,000 | 2,085 |
| Average equity | $30,956,500 | 2,251 |
| Average total loans | $296,228,500 | 1,806 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 2,048 |
| Cost of funding earning assets | 0.5258% | 1,232 |
| Net interest margin | 3.3493% | 2,425 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.7442% | 1,453 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.3733% | 4,281 |
| Return on assets (ROA) | 0.3733% | 4,246 |
| Pretax return on assets | 0.3733% | 4,309 |
| Return on Equity (ROE) | 4.5500% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.5526% | 3,219 |
| Net charge-offs to loans | 0.0030% | 2,381 |
| Credit loss provision to net charge-offs | 10,812.5000% | 66 |
| Earnings coverage of net charge-offs (x) | 283.6250% | 511 |
| Efficiency ratio | 80.9214% | 655 |
| Assets per employee ($millions) | 6.3266% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,636 |
| Loan loss allowance to noncurrent loans | 1,129.2929% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,043 |
| Noncurrent loans to loans | 0.1020% | 3,038 |
| Net loans and leases to total assets | 72.2100% | 1,395 |
| Net loans and leases to deposits | 78.3501% | 1,907 |
| Net loans and leases to core deposits | 89.5046% | 1,531 |
| Total domestic deposits to total assets | 92.1600% | 597 |
| Equity capital to assets | 7.6402% | 3,300 |
| Core capital (leverage) ratio | 8.6541% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $376,103,200 | 2,118 |
| Average earning assets | $342,726,400 | 2,143 |
| Average equity | $30,839,200 | 2,301 |
| Average total loans | $270,116,000 | 1,854 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 2,044 |
| Cost of funding earning assets | 0.3882% | 1,374 |
| Net interest margin | 3.3147% | 2,255 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.6595% | 1,562 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 0.3826% | 4,266 |
| Return on assets (ROA) | 0.3826% | 4,214 |
| Pretax return on assets | 0.3826% | 4,286 |
| Return on Equity (ROE) | 4.5800% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.5814% | 3,251 |
| Net charge-offs to loans | 0.0030% | 2,128 |
| Credit loss provision to net charge-offs | 13,583.3333% | 45 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 456 |
| Efficiency ratio | 78.6577% | 862 |
| Assets per employee ($millions) | 6.3459% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,869 |
| Loan loss allowance to noncurrent loans | 816.2963% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 2,957 |
| Noncurrent loans to loans | 0.1387% | 2,937 |
| Net loans and leases to total assets | 71.0600% | 1,389 |
| Net loans and leases to deposits | 80.0205% | 1,569 |
| Net loans and leases to core deposits | 91.8787% | 1,187 |
| Total domestic deposits to total assets | 88.8100% | 2,162 |
| Equity capital to assets | 7.2956% | 3,340 |
| Core capital (leverage) ratio | 9.0545% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $370,484,500 | 2,151 |
| Average earning assets | $339,328,500 | 2,170 |
| Average equity | $30,936,000 | 2,326 |
| Average total loans | $264,856,250 | 1,878 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5704% | 1,930 |
| Cost of funding earning assets | 0.3209% | 1,519 |
| Net interest margin | 3.2494% | 2,054 |
| Noninterest income to average assets | 0.3012% | 3,354 |
| Noninterest expense to average assets | 2.6481% | 1,506 |
| Loan and lease loss provision to assets | 0.3374% | 185 |
| Net operating income to assets | 0.2917% | 4,305 |
| Return on assets (ROA) | 0.2917% | 4,252 |
| Pretax return on assets | 0.2917% | 4,309 |
| Return on Equity (ROE) | 3.3343% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.3343% | 3,333 |
| Net charge-offs to loans | 0.0039% | 1,885 |
| Credit loss provision to net charge-offs | 12,100.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 225.6000% | 504 |
| Efficiency ratio | 79.6630% | 971 |
| Assets per employee ($millions) | 6.3248% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,167 |
| Loan loss allowance to noncurrent loans | 1,032.3333% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,183 |
| Noncurrent loans to loans | 0.1065% | 3,218 |
| Net loans and leases to total assets | 74.6691% | 844 |
| Net loans and leases to deposits | 85.7200% | 1,000 |
| Net loans and leases to core deposits | 90.6453% | 1,084 |
| Total domestic deposits to total assets | 87.1081% | 2,900 |
| Equity capital to assets | 7.9177% | 3,187 |
| Core capital (leverage) ratio | 9.0673% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,601,000 | 2,208 |
| Average earning assets | $328,425,000 | 2,237 |
| Average equity | $31,371,333 | 2,350 |
| Average total loans | $255,835,000 | 1,916 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4277% | 2,012 |
| Cost of funding earning assets | 0.3243% | 1,420 |
| Net interest margin | 3.1034% | 2,169 |
| Noninterest income to average assets | 0.2926% | 3,371 |
| Noninterest expense to average assets | 2.6517% | 1,474 |
| Loan and lease loss provision to assets | 0.2619% | 245 |
| Net operating income to assets | 0.2232% | 4,294 |
| Return on assets (ROA) | 0.2232% | 4,260 |
| Pretax return on assets | 0.2232% | 4,298 |
| Return on Equity (ROE) | 2.4284% | 4,194 |
| Retained earnings to average equity (ytd only) | 2.4284% | 3,427 |
| Net charge-offs to loans | -0.0049% | 3,336 |
| Credit loss provision to net charge-offs | -7,666.6667% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3394% | 895 |
| Assets per employee ($millions) | 6.2027% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,325 |
| Loan loss allowance to noncurrent loans | 900.9901% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 3,220 |
| Noncurrent loans to loans | 0.1220% | 3,214 |
| Net loans and leases to total assets | 69.4644% | 1,067 |
| Net loans and leases to deposits | 76.3319% | 1,414 |
| Net loans and leases to core deposits | 81.0338% | 1,421 |
| Total domestic deposits to total assets | 91.0031% | 1,031 |
| Equity capital to assets | 8.8524% | 2,835 |
| Core capital (leverage) ratio | 9.1047% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,319,000 | 2,251 |
| Average earning assets | $321,967,000 | 2,276 |
| Average equity | $32,284,000 | 2,372 |
| Average total loans | $242,884,500 | 1,976 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 2,490 |
| Cost of funding earning assets | 0.4061% | 1,504 |
| Net interest margin | 3.1525% | 2,734 |
| Noninterest income to average assets | 0.2136% | 4,092 |
| Noninterest expense to average assets | 2.5216% | 2,119 |
| Loan and lease loss provision to assets | 0.3656% | 195 |
| Net operating income to assets | 0.2376% | 4,497 |
| Return on assets (ROA) | 0.2376% | 4,511 |
| Pretax return on assets | 0.2376% | 4,537 |
| Return on Equity (ROE) | 2.2373% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.2373% | 3,910 |
| Net charge-offs to loans | 0.0877% | 934 |
| Credit loss provision to net charge-offs | 638.2353% | 696 |
| Earnings coverage of net charge-offs (x) | 10.5294% | 2,204 |
| Efficiency ratio | 79.2624% | 854 |
| Assets per employee ($millions) | 6.5865% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,568 |
| Loan loss allowance to noncurrent loans | 775.4658% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 3,293 |
| Noncurrent loans to loans | 0.1356% | 3,249 |
| Net loans and leases to total assets | 67.3041% | 1,333 |
| Net loans and leases to deposits | 74.8271% | 1,658 |
| Net loans and leases to core deposits | 80.5900% | 1,549 |
| Total domestic deposits to total assets | 89.9463% | 987 |
| Equity capital to assets | 9.5307% | 3,117 |
| Core capital (leverage) ratio | 9.0498% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,755,800 | 2,442 |
| Average earning assets | $274,040,800 | 2,463 |
| Average equity | $31,511,000 | 2,443 |
| Average total loans | $193,792,000 | 2,277 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 2,545 |
| Cost of funding earning assets | 0.4227% | 1,538 |
| Net interest margin | 3.1826% | 2,782 |
| Noninterest income to average assets | 0.2087% | 4,155 |
| Noninterest expense to average assets | 2.5743% | 1,917 |
| Loan and lease loss provision to assets | 0.3642% | 190 |
| Net operating income to assets | 0.2143% | 4,615 |
| Return on assets (ROA) | 0.2143% | 4,636 |
| Pretax return on assets | 0.2143% | 4,658 |
| Return on Equity (ROE) | 1.9567% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.9567% | 4,197 |
| Net charge-offs to loans | 0.0058% | 2,109 |
| Credit loss provision to net charge-offs | 9,687.5000% | 79 |
| Earnings coverage of net charge-offs (x) | 153.8750% | 669 |
| Efficiency ratio | 80.1580% | 734 |
| Assets per employee ($millions) | 6.0445% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,550 |
| Loan loss allowance to noncurrent loans | 13,050.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,220 |
| Noncurrent loans to loans | 0.0082% | 4,149 |
| Net loans and leases to total assets | 66.1436% | 1,530 |
| Net loans and leases to deposits | 73.8399% | 1,872 |
| Net loans and leases to core deposits | 80.8981% | 1,662 |
| Total domestic deposits to total assets | 89.5771% | 975 |
| Equity capital to assets | 10.2033% | 2,706 |
| Core capital (leverage) ratio | 9.4261% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,673,750 | 2,537 |
| Average earning assets | $262,422,250 | 2,557 |
| Average equity | $31,071,250 | 2,494 |
| Average total loans | $182,878,750 | 2,403 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 2,845 |
| Cost of funding earning assets | 0.4300% | 1,658 |
| Net interest margin | 3.0851% | 3,075 |
| Noninterest income to average assets | 0.2056% | 4,175 |
| Noninterest expense to average assets | 2.6033% | 1,837 |
| Loan and lease loss provision to assets | 0.3674% | 199 |
| Net operating income to assets | 0.0839% | 4,728 |
| Return on assets (ROA) | 0.0839% | 4,743 |
| Pretax return on assets | 0.0839% | 4,746 |
| Return on Equity (ROE) | 0.7452% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.7452% | 4,387 |
| Net charge-offs to loans | 0.0105% | 1,761 |
| Credit loss provision to net charge-offs | 5,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 67.5556% | 916 |
| Efficiency ratio | 83.5966% | 572 |
| Assets per employee ($millions) | 5.8624% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,610 |
| Loan loss allowance to noncurrent loans | 1,477.1429% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,952 |
| Noncurrent loans to loans | 0.0712% | 3,832 |
| Net loans and leases to total assets | 62.5837% | 2,111 |
| Net loans and leases to deposits | 69.4583% | 2,467 |
| Net loans and leases to core deposits | 76.1926% | 2,220 |
| Total domestic deposits to total assets | 90.1026% | 723 |
| Equity capital to assets | 9.7207% | 3,121 |
| Core capital (leverage) ratio | 8.9396% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,430,000 | 2,620 |
| Average earning assets | $248,812,667 | 2,638 |
| Average equity | $30,327,000 | 2,525 |
| Average total loans | $171,090,000 | 2,502 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5165% | 2,871 |
| Cost of funding earning assets | 0.4185% | 1,946 |
| Net interest margin | 3.0980% | 2,992 |
| Noninterest income to average assets | 0.1961% | 4,212 |
| Noninterest expense to average assets | 2.7429% | 1,505 |
| Loan and lease loss provision to assets | 0.2572% | 400 |
| Net operating income to assets | 0.0643% | 4,742 |
| Return on assets (ROA) | 0.0643% | 4,749 |
| Pretax return on assets | 0.0643% | 4,751 |
| Return on Equity (ROE) | 0.5265% | 4,750 |
| Retained earnings to average equity (ytd only) | 0.5265% | 4,296 |
| Net charge-offs to loans | 0.0126% | 1,497 |
| Credit loss provision to net charge-offs | 3,200.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 981 |
| Efficiency ratio | 87.7754% | 454 |
| Assets per employee ($millions) | 5.8049% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,736 |
| Loan loss allowance to noncurrent loans | 1,951.6854% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,142 |
| Noncurrent loans to loans | 0.0527% | 4,028 |
| Net loans and leases to total assets | 57.6383% | 2,841 |
| Net loans and leases to deposits | 64.4160% | 3,089 |
| Net loans and leases to core deposits | 70.0654% | 2,857 |
| Total domestic deposits to total assets | 89.4781% | 1,075 |
| Equity capital to assets | 10.3713% | 2,377 |
| Core capital (leverage) ratio | 11.3175% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,791,500 | 2,733 |
| Average earning assets | $230,339,500 | 2,748 |
| Average equity | $30,389,000 | 2,513 |
| Average total loans | $158,375,000 | 2,616 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 2,382 |
| Cost of funding earning assets | 0.5881% | 2,397 |
| Net interest margin | 3.5259% | 2,389 |
| Noninterest income to average assets | 0.2513% | 3,983 |
| Noninterest expense to average assets | 2.6572% | 2,364 |
| Loan and lease loss provision to assets | 0.7249% | 207 |
| Net operating income to assets | 0.1356% | 4,641 |
| Return on assets (ROA) | 0.1851% | 4,647 |
| Pretax return on assets | 0.1851% | 4,662 |
| Return on Equity (ROE) | 1.5194% | 4,620 |
| Retained earnings to average equity (ytd only) | 1.5194% | 4,023 |
| Net charge-offs to loans | 0.2825% | 607 |
| Credit loss provision to net charge-offs | 400.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 4.7485% | 2,943 |
| Efficiency ratio | 73.4355% | 1,515 |
| Assets per employee ($millions) | 5.0571% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,594 |
| Loan loss allowance to noncurrent loans | 1,521.1538% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,087 |
| Noncurrent loans to loans | 0.0704% | 4,013 |
| Net loans and leases to total assets | 70.4833% | 1,494 |
| Net loans and leases to deposits | 82.9351% | 1,554 |
| Net loans and leases to core deposits | 90.5873% | 1,483 |
| Total domestic deposits to total assets | 84.9860% | 2,766 |
| Equity capital to assets | 14.7950% | 607 |
| Core capital (leverage) ratio | 14.6691% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9948% | 769 |
| Memoranda: | ||
| Average total assets | $179,891,600 | 3,106 |
| Average earning assets | $166,650,400 | 3,102 |
| Average equity | $21,917,200 | 3,015 |
| Average total loans | $115,401,400 | 3,030 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 3,167 |
| Cost of funding earning assets | 0.6353% | 2,400 |
| Net interest margin | 3.2946% | 3,211 |
| Noninterest income to average assets | 0.2813% | 3,803 |
| Noninterest expense to average assets | 2.7786% | 2,024 |
| Loan and lease loss provision to assets | 0.6588% | 355 |
| Net operating income to assets | -0.1033% | 4,816 |
| Return on assets (ROA) | -0.0439% | 4,807 |
| Pretax return on assets | -0.0439% | 4,803 |
| Return on Equity (ROE) | -0.3852% | 4,810 |
| Retained earnings to average equity (ytd only) | -0.3852% | 4,541 |
| Net charge-offs to loans | 0.4075% | 390 |
| Credit loss provision to net charge-offs | 260.6707% | 1,895 |
| Earnings coverage of net charge-offs (x) | 2.1982% | 3,008 |
| Efficiency ratio | 81.0261% | 794 |
| Assets per employee ($millions) | 4.8058% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,218 |
| Loan loss allowance to noncurrent loans | 975.0000% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,003 |
| Noncurrent loans to loans | 0.0875% | 4,019 |
| Net loans and leases to total assets | 70.1361% | 1,926 |
| Net loans and leases to deposits | 80.5019% | 2,265 |
| Net loans and leases to core deposits | 86.5928% | 2,267 |
| Total domestic deposits to total assets | 87.1235% | 1,616 |
| Equity capital to assets | 12.5014% | 1,429 |
| Core capital (leverage) ratio | 11.9892% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4213% | 1,388 |
| Memoranda: | ||
| Average total assets | $173,029,500 | 3,152 |
| Average earning assets | $160,340,500 | 3,150 |
| Average equity | $19,727,500 | 3,212 |
| Average total loans | $107,321,250 | 3,135 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 3,606 |
| Cost of funding earning assets | 0.6870% | 2,466 |
| Net interest margin | 3.2156% | 3,623 |
| Noninterest income to average assets | 0.2532% | 3,956 |
| Noninterest expense to average assets | 2.7581% | 2,193 |
| Loan and lease loss provision to assets | 0.8369% | 283 |
| Net operating income to assets | -0.3650% | 4,895 |
| Return on assets (ROA) | -0.2913% | 4,876 |
| Pretax return on assets | -0.2913% | 4,864 |
| Return on Equity (ROE) | -2.6497% | 4,885 |
| Retained earnings to average equity (ytd only) | -2.6497% | 4,632 |
| Net charge-offs to loans | 0.6552% | 242 |
| Credit loss provision to net charge-offs | 217.2840% | 1,849 |
| Earnings coverage of net charge-offs (x) | 1.2253% | 2,869 |
| Efficiency ratio | 82.9223% | 700 |
| Assets per employee ($millions) | 4.5240% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 4,357 |
| Loan loss allowance to noncurrent loans | 607.4074% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 2,953 |
| Noncurrent loans to loans | 0.1308% | 3,933 |
| Net loans and leases to total assets | 67.9229% | 2,368 |
| Net loans and leases to deposits | 76.5934% | 2,796 |
| Net loans and leases to core deposits | 82.5530% | 2,731 |
| Total domestic deposits to total assets | 88.6799% | 874 |
| Equity capital to assets | 10.1878% | 3,034 |
| Core capital (leverage) ratio | 9.5438% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1049% | 2,134 |
| Memoranda: | ||
| Average total assets | $168,230,333 | 3,173 |
| Average earning assets | $155,741,667 | 3,175 |
| Average equity | $18,493,000 | 3,323 |
| Average total loans | $98,900,000 | 3,256 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,696 |
| Cost of funding earning assets | 0.7823% | 2,492 |
| Net interest margin | 3.2519% | 3,719 |
| Noninterest income to average assets | 0.2965% | 3,744 |
| Noninterest expense to average assets | 2.8888% | 2,154 |
| Loan and lease loss provision to assets | 0.6722% | 394 |
| Net operating income to assets | -0.2545% | 4,871 |
| Return on assets (ROA) | -0.2224% | 4,834 |
| Pretax return on assets | -0.2224% | 4,819 |
| Return on Equity (ROE) | -1.9437% | 4,836 |
| Retained earnings to average equity (ytd only) | -1.9437% | 4,243 |
| Net charge-offs to loans | 0.1620% | 809 |
| Credit loss provision to net charge-offs | 777.1429% | 672 |
| Earnings coverage of net charge-offs (x) | 4.8286% | 2,112 |
| Efficiency ratio | 84.9028% | 774 |
| Assets per employee ($millions) | 4.0636% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,155 |
| Loan loss allowance to noncurrent loans | 80.0952% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 1,936 |
| Noncurrent loans to loans | 1.1097% | 1,494 |
| Net loans and leases to total assets | 57.6921% | 3,696 |
| Net loans and leases to deposits | 65.4538% | 3,897 |
| Net loans and leases to core deposits | 71.1830% | 3,807 |
| Total domestic deposits to total assets | 88.1417% | 1,046 |
| Equity capital to assets | 11.4867% | 2,446 |
| Core capital (leverage) ratio | 10.5587% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9529% | 1,613 |
| Memoranda: | ||
| Average total assets | $161,865,000 | 3,193 |
| Average earning assets | $149,818,500 | 3,198 |
| Average equity | $18,521,500 | 3,319 |
| Average total loans | $86,401,000 | 3,476 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1804% | 5,001 |
| Cost of funding earning assets | 0.5883% | 3,686 |
| Net interest margin | 2.5921% | 4,912 |
| Noninterest income to average assets | 0.2192% | 4,354 |
| Noninterest expense to average assets | 2.3448% | 3,834 |
| Loan and lease loss provision to assets | 0.2575% | 697 |
| Net operating income to assets | 0.0351% | 4,952 |
| Return on assets (ROA) | 0.0351% | 4,972 |
| Pretax return on assets | 0.0351% | 4,968 |
| Return on Equity (ROE) | 0.2508% | 4,977 |
| Retained earnings to average equity (ytd only) | -2.8140% | 4,906 |
| Net charge-offs to loans | 0.1694% | 1,195 |
| Credit loss provision to net charge-offs | 367.2727% | 759 |
| Earnings coverage of net charge-offs (x) | 4.1727% | 3,249 |
| Efficiency ratio | 86.5636% | 514 |
| Assets per employee ($millions) | 4.0297% | 3,866 |
| Cash dividends to net income (ytd only)* | 1,221.8182% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,382 |
| Loan loss allowance to noncurrent loans | 52.7972% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 1,649 |
| Noncurrent loans to loans | 1.4632% | 996 |
| Net loans and leases to total assets | 48.1320% | 4,421 |
| Net loans and leases to deposits | 54.5315% | 4,514 |
| Net loans and leases to core deposits | 59.2844% | 4,472 |
| Total domestic deposits to total assets | 88.2645% | 995 |
| Equity capital to assets | 11.3980% | 2,628 |
| Core capital (leverage) ratio | 10.4750% | 2,978 |
| Tier 1 risk-based capital ratio | 17.7008% | 1,839 |
| Total risk-based capital ratio | 18.3425% | 1,957 |
| Memoranda: | ||
| Average total assets | $156,900,600 | 3,228 |
| Average earning assets | $146,365,200 | 3,208 |
| Average equity | $21,926,400 | 2,968 |
| Average total loans | $64,933,000 | 3,888 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,525 |
| Cost of funding earning assets | 0.7527% | 2,956 |
| Net interest margin | 3.1575% | 4,391 |
| Noninterest income to average assets | 0.2768% | 4,096 |
| Noninterest expense to average assets | 2.8574% | 2,386 |
| Loan and lease loss provision to assets | 0.3383% | 403 |
| Net operating income to assets | 0.0601% | 5,043 |
| Return on assets (ROA) | 0.0601% | 5,059 |
| Pretax return on assets | 0.0601% | 5,055 |
| Return on Equity (ROE) | 0.3565% | 5,065 |
| Retained earnings to average equity (ytd only) | -5.2153% | 5,067 |
| Net charge-offs to loans | 0.2946% | 593 |
| Credit loss provision to net charge-offs | 246.9388% | 1,107 |
| Earnings coverage of net charge-offs (x) | 2.9082% | 3,155 |
| Efficiency ratio | 85.7879% | 514 |
| Assets per employee ($millions) | 4.1282% | 3,717 |
| Cash dividends to net income (ytd only)* | 1,562.8467% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 4,145 |
| Loan loss allowance to noncurrent loans | 47.9915% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 1,147 |
| Noncurrent loans to loans | 1.8203% | 780 |
| Net loans and leases to total assets | 54.2554% | 4,160 |
| Net loans and leases to deposits | 60.7352% | 4,352 |
| Net loans and leases to core deposits | 69.0911% | 4,099 |
| Total domestic deposits to total assets | 89.3311% | 508 |
| Equity capital to assets | 10.4130% | 3,624 |
| Core capital (leverage) ratio | 9.7548% | 3,903 |
| Tier 1 risk-based capital ratio | 15.2840% | 2,721 |
| Total risk-based capital ratio | 16.0491% | 2,878 |
| Memoranda: | ||
| Average total assets | $95,376,000 | 4,113 |
| Average earning assets | $89,983,500 | 4,091 |
| Average equity | $16,080,500 | 3,568 |
| Average total loans | $44,355,250 | 4,351 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 4,587 |
| Cost of funding earning assets | 0.6694% | 3,318 |
| Net interest margin | 3.2118% | 4,341 |
| Noninterest income to average assets | 0.2638% | 4,175 |
| Noninterest expense to average assets | 2.7618% | 2,713 |
| Loan and lease loss provision to assets | 0.3350% | 389 |
| Net operating income to assets | 0.2010% | 4,997 |
| Return on assets (ROA) | 0.2010% | 5,004 |
| Pretax return on assets | 0.2010% | 5,023 |
| Return on Equity (ROE) | 1.0581% | 5,042 |
| Retained earnings to average equity (ytd only) | 1.0581% | 4,420 |
| Net charge-offs to loans | 0.7174% | 206 |
| Credit loss provision to net charge-offs | 106.6667% | 1,877 |
| Earnings coverage of net charge-offs (x) | 1.7067% | 3,001 |
| Efficiency ratio | 81.7778% | 820 |
| Assets per employee ($millions) | 4.8236% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 4,707 |
| Loan loss allowance to noncurrent loans | 29.0645% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 1,081 |
| Noncurrent loans to loans | 2.4224% | 499 |
| Net loans and leases to total assets | 44.5540% | 4,697 |
| Net loans and leases to deposits | 54.5357% | 4,664 |
| Net loans and leases to core deposits | 62.1254% | 4,495 |
| Total domestic deposits to total assets | 81.6970% | 3,606 |
| Equity capital to assets | 18.0957% | 369 |
| Core capital (leverage) ratio | 18.1660% | 328 |
| Tier 1 risk-based capital ratio | 31.0372% | 452 |
| Total risk-based capital ratio | 31.6024% | 466 |
| Memoranda: | ||
| Average total assets | $95,518,330 | 4,136 |
| Average earning assets | $90,229,670 | 4,114 |
| Average equity | $18,145,000 | 3,332 |
| Average total loans | $41,817,330 | 4,452 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 4,463 |
| Cost of funding earning assets | 0.5944% | 3,606 |
| Net interest margin | 3.3606% | 4,005 |
| Noninterest income to average assets | 0.2548% | 4,186 |
| Noninterest expense to average assets | 2.6860% | 2,952 |
| Loan and lease loss provision to assets | 0.3368% | 361 |
| Net operating income to assets | 0.4059% | 4,720 |
| Return on assets (ROA) | 0.4059% | 4,734 |
| Pretax return on assets | 0.4059% | 4,833 |
| Return on Equity (ROE) | 2.0828% | 4,955 |
| Retained earnings to average equity (ytd only) | 2.0828% | 4,043 |
| Net charge-offs to loans | 0.0500% | 1,565 |
| Credit loss provision to net charge-offs | 1,560.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 1,248 |
| Efficiency ratio | 76.4484% | 1,452 |
| Assets per employee ($millions) | 4.5123% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,904 |
| Loan loss allowance to noncurrent loans | 34.1964% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 979 |
| Noncurrent loans to loans | 2.8207% | 417 |
| Net loans and leases to total assets | 41.4994% | 4,847 |
| Net loans and leases to deposits | 51.4517% | 4,763 |
| Net loans and leases to core deposits | 59.7157% | 4,573 |
| Total domestic deposits to total assets | 80.6570% | 4,034 |
| Equity capital to assets | 19.2058% | 267 |
| Core capital (leverage) ratio | 19.6161% | 251 |
| Tier 1 risk-based capital ratio | 34.7431% | 331 |
| Total risk-based capital ratio | 35.5011% | 340 |
| Memoranda: | ||
| Average total assets | $92,630,000 | 4,222 |
| Average earning assets | $87,485,500 | 4,190 |
| Average equity | $18,052,500 | 3,348 |
| Average total loans | $40,000,500 | 4,543 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 4,868 |
| Cost of funding earning assets | 0.2597% | 4,759 |
| Net interest margin | 3.2814% | 4,303 |
| Noninterest income to average assets | 0.2718% | 4,287 |
| Noninterest expense to average assets | 2.4203% | 3,829 |
| Loan and lease loss provision to assets | 0.3117% | 515 |
| Net operating income to assets | 0.3461% | 4,953 |
| Return on assets (ROA) | 0.2718% | 5,038 |
| Pretax return on assets | 0.5217% | 4,769 |
| Return on Equity (ROE) | 1.5682% | 5,100 |
| Retained earnings to average equity (ytd only) | 1.5682% | 4,509 |
| Net charge-offs to loans | 0.0243% | 2,920 |
| Credit loss provision to net charge-offs | 3,457.1429% | 147 |
| Earnings coverage of net charge-offs (x) | 102.8571% | 730 |
| Efficiency ratio | 69.9500% | 2,197 |
| Assets per employee ($millions) | 5.3236% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 4,629 |
| Loan loss allowance to noncurrent loans | 94.8012% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 2,561 |
| Noncurrent loans to loans | 0.8115% | 1,982 |
| Net loans and leases to total assets | 44.1802% | 4,809 |
| Net loans and leases to deposits | 55.1816% | 4,698 |
| Net loans and leases to core deposits | 65.0030% | 4,403 |
| Total domestic deposits to total assets | 80.0634% | 4,092 |
| Equity capital to assets | 19.7852% | 238 |
| Core capital (leverage) ratio | 19.9383% | 237 |
| Tier 1 risk-based capital ratio | 35.2261% | 313 |
| Total risk-based capital ratio | 35.8520% | 322 |
| Memoranda: | ||
| Average total assets | $77,636,200 | 4,473 |
| Average earning assets | $72,772,800 | 4,445 |
| Average equity | $13,454,600 | 3,822 |
| Average total loans | $28,806,200 | 4,846 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 5,017 |
| Cost of funding earning assets | 0.1711% | 5,139 |
| Net interest margin | 3.2448% | 4,417 |
| Noninterest income to average assets | 0.3225% | 3,992 |
| Noninterest expense to average assets | 2.2843% | 4,141 |
| Loan and lease loss provision to assets | 0.2419% | 652 |
| Net operating income to assets | 0.8205% | 3,840 |
| Return on assets (ROA) | 0.7775% | 3,989 |
| Pretax return on assets | 0.7775% | 4,352 |
| Return on Equity (ROE) | 4.6886% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.6886% | 3,402 |
| Net charge-offs to loans | 0.0103% | 3,058 |
| Credit loss provision to net charge-offs | 6,750.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 296.1236% | 315 |
| Efficiency ratio | 65.7923% | 2,904 |
| Assets per employee ($millions) | 5.0211% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,947 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 2,460 |
| Noncurrent loans to loans | 1.0339% | 1,654 |
| Net loans and leases to total assets | 36.5812% | 5,122 |
| Net loans and leases to deposits | 46.3823% | 5,044 |
| Net loans and leases to core deposits | 54.4711% | 4,895 |
| Total domestic deposits to total assets | 78.8690% | 4,341 |
| Equity capital to assets | 20.9869% | 193 |
| Core capital (leverage) ratio | 22.0948% | 163 |
| Tier 1 risk-based capital ratio | 41.7980% | 208 |
| Total risk-based capital ratio | 42.2955% | 217 |
| Memoranda: | ||
| Average total assets | $74,419,750 | 4,570 |
| Average earning assets | $69,361,000 | 4,549 |
| Average equity | $12,341,750 | 4,016 |
| Average total loans | $25,934,250 | 4,968 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 5,019 |
| Cost of funding earning assets | 0.1588% | 5,204 |
| Net interest margin | 3.2594% | 4,361 |
| Noninterest income to average assets | 0.3391% | 3,917 |
| Noninterest expense to average assets | 2.3003% | 4,142 |
| Loan and lease loss provision to assets | 0.2826% | 501 |
| Net operating income to assets | 0.7715% | 3,950 |
| Return on assets (ROA) | 0.7037% | 4,187 |
| Pretax return on assets | 0.7037% | 4,502 |
| Return on Equity (ROE) | 4.7499% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.7499% | 3,207 |
| Net charge-offs to loans | 0.0166% | 2,588 |
| Credit loss provision to net charge-offs | 5,000.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 186.5000% | 440 |
| Efficiency ratio | 65.9646% | 2,990 |
| Assets per employee ($millions) | 4.6474% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 5,101 |
| Loan loss allowance to noncurrent loans | 69.7581% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 2,665 |
| Noncurrent loans to loans | 0.8680% | 1,990 |
| Net loans and leases to total assets | 35.9466% | 5,182 |
| Net loans and leases to deposits | 46.5010% | 5,079 |
| Net loans and leases to core deposits | 48.5080% | 5,080 |
| Total domestic deposits to total assets | 77.3030% | 4,692 |
| Equity capital to assets | 22.5755% | 152 |
| Core capital (leverage) ratio | 24.1629% | 125 |
| Tier 1 risk-based capital ratio | 47.2926% | 154 |
| Total risk-based capital ratio | 47.7662% | 156 |
| Memoranda: | ||
| Average total assets | $70,773,670 | 4,672 |
| Average earning assets | $65,471,330 | 4,669 |
| Average equity | $10,484,330 | 4,310 |
| Average total loans | $24,101,330 | 5,085 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 4,887 |
| Cost of funding earning assets | 0.1636% | 5,196 |
| Net interest margin | 3.3319% | 4,098 |
| Noninterest income to average assets | 0.3661% | 3,694 |
| Noninterest expense to average assets | 2.4243% | 3,879 |
| Loan and lease loss provision to assets | 0.1800% | 953 |
| Net operating income to assets | 0.8161% | 3,641 |
| Return on assets (ROA) | 0.6721% | 4,204 |
| Pretax return on assets | 0.6721% | 4,510 |
| Return on Equity (ROE) | 6.5800% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.5800% | 2,461 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2456% | 2,793 |
| Assets per employee ($millions) | 4.6930% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4636% | 5,374 |
| Loan loss allowance to noncurrent loans | 49.2958% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 2,592 |
| Noncurrent loans to loans | 0.9404% | 1,944 |
| Net loans and leases to total assets | 34.3155% | 5,262 |
| Net loans and leases to deposits | 38.6273% | 5,304 |
| Net loans and leases to core deposits | 40.0156% | 5,307 |
| Total domestic deposits to total assets | 88.8375% | 1,188 |
| Equity capital to assets | 10.6648% | 2,903 |
| Core capital (leverage) ratio | 9.7537% | 3,802 |
| Tier 1 risk-based capital ratio | 21.7987% | 1,084 |
| Total risk-based capital ratio | 22.1593% | 1,189 |
| Memoranda: | ||
| Average total assets | $66,657,500 | 4,802 |
| Average earning assets | $61,107,000 | 4,803 |
| Average equity | $6,808,500 | 4,928 |
| Average total loans | $21,865,500 | 5,212 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2043% | 5,184 |
| Cost of funding earning assets | 0.1816% | 5,081 |
| Net interest margin | 3.0227% | 4,835 |
| Noninterest income to average assets | 0.4053% | 3,606 |
| Noninterest expense to average assets | 2.9753% | 2,230 |
| Loan and lease loss provision to assets | 0.1381% | 1,656 |
| Net operating income to assets | -0.0016% | 5,363 |
| Return on assets (ROA) | -0.0108% | 5,372 |
| Pretax return on assets | 0.0233% | 5,426 |
| Return on Equity (ROE) | -0.1051% | 5,374 |
| Retained earnings to average equity (ytd only) | -0.1051% | 5,046 |
| Net charge-offs to loans | 0.0100% | 3,732 |
| Credit loss provision to net charge-offs | 3,850.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,098 |
| Efficiency ratio | 90.9505% | 382 |
| Assets per employee ($millions) | 4.7975% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3558% | 5,524 |
| Loan loss allowance to noncurrent loans | 34.8837% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 2,651 |
| Noncurrent loans to loans | 1.0199% | 1,744 |
| Net loans and leases to total assets | 31.2737% | 5,408 |
| Net loans and leases to deposits | 34.6092% | 5,454 |
| Net loans and leases to core deposits | 35.8019% | 5,463 |
| Total domestic deposits to total assets | 90.3625% | 447 |
| Equity capital to assets | 9.1744% | 4,553 |
| Core capital (leverage) ratio | 9.4170% | 4,142 |
| Tier 1 risk-based capital ratio | 20.8420% | 1,165 |
| Total risk-based capital ratio | 21.1110% | 1,315 |
| Memoranda: | ||
| Average total assets | $55,760,000 | 5,049 |
| Average earning assets | $50,650,600 | 5,047 |
| Average equity | $5,707,200 | 5,145 |
| Average total loans | $19,911,400 | 5,318 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2361% | 5,190 |
| Cost of funding earning assets | 0.1863% | 5,085 |
| Net interest margin | 3.0498% | 4,813 |
| Noninterest income to average assets | 1.2197% | 704 |
| Noninterest expense to average assets | 3.1324% | 1,717 |
| Loan and lease loss provision to assets | 0.1714% | 1,175 |
| Net operating income to assets | 0.6804% | 4,078 |
| Return on assets (ROA) | 0.6602% | 4,207 |
| Pretax return on assets | 0.6602% | 4,703 |
| Return on Equity (ROE) | 6.2451% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.2451% | 2,089 |
| Net charge-offs to loans | -0.0068% | 4,528 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7116% | 1,636 |
| Assets per employee ($millions) | 4.1460% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3253% | 5,606 |
| Loan loss allowance to noncurrent loans | 31.5068% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 1,576 |
| Noncurrent loans to loans | 1.0326% | 1,876 |
| Net loans and leases to total assets | 36.4206% | 5,330 |
| Net loans and leases to deposits | 41.0143% | 5,386 |
| Net loans and leases to core deposits | 42.6993% | 5,402 |
| Total domestic deposits to total assets | 88.7999% | 971 |
| Equity capital to assets | 10.6988% | 3,163 |
| Core capital (leverage) ratio | 11.1289% | 2,345 |
| Tier 1 risk-based capital ratio | 23.2321% | 927 |
| Total risk-based capital ratio | 23.5104% | 998 |
| Memoranda: | ||
| Average total assets | $52,908,750 | 5,157 |
| Average earning assets | $47,958,000 | 5,165 |
| Average equity | $5,593,500 | 5,225 |
| Average total loans | $19,619,250 | 5,382 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2676% | 5,154 |
| Cost of funding earning assets | 0.1902% | 5,069 |
| Net interest margin | 3.0774% | 4,732 |
| Noninterest income to average assets | 1.6563% | 414 |
| Noninterest expense to average assets | 3.2893% | 1,393 |
| Loan and lease loss provision to assets | 0.2109% | 845 |
| Net operating income to assets | 0.9376% | 2,734 |
| Return on assets (ROA) | 0.9063% | 2,931 |
| Pretax return on assets | 0.9063% | 3,911 |
| Return on Equity (ROE) | 8.6117% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.6117% | 965 |
| Net charge-offs to loans | -0.0105% | 4,553 |
| Credit loss provision to net charge-offs | -5,400.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3908% | 2,454 |
| Assets per employee ($millions) | 3.9144% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2659% | 5,682 |
| Loan loss allowance to noncurrent loans | 24.3363% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 1,383 |
| Noncurrent loans to loans | 1.0925% | 1,795 |
| Net loans and leases to total assets | 40.5447% | 5,210 |
| Net loans and leases to deposits | 46.3245% | 5,274 |
| Net loans and leases to core deposits | 48.5379% | 5,269 |
| Total domestic deposits to total assets | 87.5233% | 1,703 |
| Equity capital to assets | 12.1170% | 1,855 |
| Core capital (leverage) ratio | 11.2846% | 2,143 |
| Tier 1 risk-based capital ratio | 22.9414% | 958 |
| Total risk-based capital ratio | 23.1621% | 1,041 |
| Memoranda: | ||
| Average total assets | $51,197,000 | 5,229 |
| Average earning assets | $46,272,670 | 5,232 |
| Average equity | $5,388,000 | 5,297 |
| Average total loans | $19,089,330 | 5,437 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0234% | 5,440 |
| Cost of funding earning assets | 0.1895% | 5,070 |
| Net interest margin | 2.8339% | 5,197 |
| Noninterest income to average assets | 2.8587% | 203 |
| Noninterest expense to average assets | 3.2170% | 1,561 |
| Loan and lease loss provision to assets | 0.1168% | 1,642 |
| Net operating income to assets | 2.0876% | 265 |
| Return on assets (ROA) | 2.0876% | 272 |
| Pretax return on assets | 2.0876% | 419 |
| Return on Equity (ROE) | 21.4443% | 173 |
| Retained earnings to average equity (ytd only) | 21.4443% | 87 |
| Net charge-offs to loans | 0.1093% | 1,299 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 56.6000% | 839 |
| Efficiency ratio | 57.1839% | 4,818 |
| Assets per employee ($millions) | 3.8255% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0543% | 5,798 |
| Loan loss allowance to noncurrent loans | 4.6083% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 1,403 |
| Noncurrent loans to loans | 1.1786% | 1,723 |
| Net loans and leases to total assets | 37.0023% | 5,366 |
| Net loans and leases to deposits | 41.8151% | 5,421 |
| Net loans and leases to core deposits | 43.8352% | 5,413 |
| Total domestic deposits to total assets | 88.4903% | 1,428 |
| Equity capital to assets | 11.1276% | 2,507 |
| Core capital (leverage) ratio | 10.2738% | 3,153 |
| Tier 1 risk-based capital ratio | 23.0000% | 978 |
| Total risk-based capital ratio | 23.0457% | 1,081 |
| Memoranda: | ||
| Average total assets | $51,352,000 | 5,284 |
| Average earning assets | $46,437,500 | 5,287 |
| Average equity | $4,999,000 | 5,419 |
| Average total loans | $18,290,500 | 5,514 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0907% | 5,413 |
| Cost of funding earning assets | 0.2012% | 5,003 |
| Net interest margin | 2.8896% | 5,159 |
| Noninterest income to average assets | 0.4502% | 3,544 |
| Noninterest expense to average assets | 3.7504% | 822 |
| Loan and lease loss provision to assets | -0.0509% | 5,592 |
| Net operating income to assets | -0.4099% | 5,766 |
| Return on assets (ROA) | -0.4034% | 5,774 |
| Pretax return on assets | -0.6641% | 5,803 |
| Return on Equity (ROE) | -4.2582% | 5,778 |
| Retained earnings to average equity (ytd only) | -4.5163% | 5,659 |
| Net charge-offs to loans | 0.1248% | 2,002 |
| Credit loss provision to net charge-offs | -108.6957% | 4,908 |
| Earnings coverage of net charge-offs (x) | -15.4783% | 4,249 |
| Efficiency ratio | 123.9731% | 77 |
| Assets per employee ($millions) | 4.0748% | 3,834 |
| Cash dividends to net income (ytd only)* | -6.0606% | 5,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,395 |
| Loan loss allowance to noncurrent loans | 96.0159% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 2.1974% | 596 |
| Noncurrent loans to loans | 1.3815% | 1,480 |
| Net loans and leases to total assets | 33.8443% | 5,550 |
| Net loans and leases to deposits | 37.0965% | 5,620 |
| Net loans and leases to core deposits | 38.3889% | 5,630 |
| Total domestic deposits to total assets | 91.2331% | 220 |
| Equity capital to assets | 8.4271% | 5,325 |
| Core capital (leverage) ratio | 6.4419% | 5,843 |
| Tier 1 risk-based capital ratio | 12.2410% | 4,546 |
| Total risk-based capital ratio | 13.1692% | 4,664 |
| Memoranda: | ||
| Average total assets | $49,088,000 | 5,367 |
| Average earning assets | $43,743,800 | 5,382 |
| Average equity | $4,649,800 | 5,533 |
| Average total loans | $18,434,800 | 5,559 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1837% | 5,386 |
| Cost of funding earning assets | 0.2060% | 5,006 |
| Net interest margin | 2.9777% | 5,056 |
| Noninterest income to average assets | 0.4572% | 3,505 |
| Noninterest expense to average assets | 3.7436% | 797 |
| Loan and lease loss provision to assets | -0.0693% | 5,751 |
| Net operating income to assets | -0.4073% | 5,840 |
| Return on assets (ROA) | -0.4073% | 5,851 |
| Pretax return on assets | -0.5736% | 5,861 |
| Return on Equity (ROE) | -4.1735% | 5,849 |
| Retained earnings to average equity (ytd only) | -4.5140% | 5,718 |
| Net charge-offs to loans | 0.1442% | 1,543 |
| Credit loss provision to net charge-offs | -125.0000% | 4,782 |
| Earnings coverage of net charge-offs (x) | -11.5984% | 3,922 |
| Efficiency ratio | 120.7328% | 83 |
| Assets per employee ($millions) | 3.6164% | 4,618 |
| Cash dividends to net income (ytd only)* | -8.1633% | 5,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,755 |
| Loan loss allowance to noncurrent loans | 148.7805% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 2.2909% | 626 |
| Noncurrent loans to loans | 0.8653% | 2,523 |
| Net loans and leases to total assets | 39.7932% | 5,389 |
| Net loans and leases to deposits | 44.3486% | 5,503 |
| Net loans and leases to core deposits | 46.1413% | 5,507 |
| Total domestic deposits to total assets | 89.7284% | 583 |
| Equity capital to assets | 9.8909% | 4,251 |
| Core capital (leverage) ratio | 7.0270% | 5,878 |
| Tier 1 risk-based capital ratio | 12.9821% | 4,172 |
| Total risk-based capital ratio | 13.9493% | 4,251 |
| Memoranda: | ||
| Average total assets | $48,117,000 | 5,438 |
| Average earning assets | $42,716,250 | 5,463 |
| Average equity | $4,696,250 | 5,583 |
| Average total loans | $18,501,250 | 5,615 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 5,500 |
| Cost of funding earning assets | 0.2048% | 5,094 |
| Net interest margin | 2.9421% | 5,185 |
| Noninterest income to average assets | 0.4496% | 3,524 |
| Noninterest expense to average assets | 3.6094% | 997 |
| Loan and lease loss provision to assets | -0.1031% | 5,879 |
| Net operating income to assets | -0.2929% | 5,875 |
| Return on assets (ROA) | -0.2929% | 5,889 |
| Pretax return on assets | -0.4496% | 5,915 |
| Return on Equity (ROE) | -3.0138% | 5,898 |
| Retained earnings to average equity (ytd only) | -3.5232% | 5,672 |
| Net charge-offs to loans | 0.1744% | 1,296 |
| Credit loss provision to net charge-offs | -156.2500% | 4,676 |
| Earnings coverage of net charge-offs (x) | -8.3750% | 3,645 |
| Efficiency ratio | 118.0837% | 98 |
| Assets per employee ($millions) | 3.6882% | 4,463 |
| Cash dividends to net income (ytd only)* | -16.9014% | 6,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,615 |
| Loan loss allowance to noncurrent loans | 144.1860% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 2.2358% | 675 |
| Noncurrent loans to loans | 0.9232% | 2,426 |
| Net loans and leases to total assets | 38.3382% | 5,500 |
| Net loans and leases to deposits | 42.7002% | 5,597 |
| Net loans and leases to core deposits | 44.3892% | 5,613 |
| Total domestic deposits to total assets | 89.7846% | 569 |
| Equity capital to assets | 9.8087% | 4,441 |
| Core capital (leverage) ratio | 7.1892% | 5,929 |
| Tier 1 risk-based capital ratio | 13.1405% | 4,111 |
| Total risk-based capital ratio | 14.1075% | 4,193 |
| Memoranda: | ||
| Average total assets | $48,485,000 | 5,493 |
| Average earning assets | $42,962,670 | 5,520 |
| Average equity | $4,711,670 | 5,638 |
| Average total loans | $18,351,000 | 5,688 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1234% | 5,580 |
| Cost of funding earning assets | 0.2033% | 5,174 |
| Net interest margin | 2.9201% | 5,287 |
| Noninterest income to average assets | 0.4430% | 3,533 |
| Noninterest expense to average assets | 3.6182% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3692% | 5,937 |
| Return on assets (ROA) | -0.3692% | 5,945 |
| Pretax return on assets | -0.5825% | 5,981 |
| Return on Equity (ROE) | -3.8168% | 5,954 |
| Retained earnings to average equity (ytd only) | -3.8168% | 5,537 |
| Net charge-offs to loans | 0.0659% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -23.6667% | 3,081 |
| Efficiency ratio | 119.1892% | 107 |
| Assets per employee ($millions) | 3.7589% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 1,707 |
| Loan loss allowance to noncurrent loans | 119.6653% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 2.3677% | 654 |
| Noncurrent loans to loans | 1.3147% | 1,818 |
| Net loans and leases to total assets | 36.6165% | 5,608 |
| Net loans and leases to deposits | 40.6327% | 5,692 |
| Net loans and leases to core deposits | 42.2005% | 5,705 |
| Total domestic deposits to total assets | 90.1158% | 553 |
| Equity capital to assets | 9.5690% | 4,599 |
| Core capital (leverage) ratio | 7.2925% | 5,961 |
| Tier 1 risk-based capital ratio | 13.4638% | 3,996 |
| Total risk-based capital ratio | 14.5901% | 3,998 |
| Memoranda: | ||
| Average total assets | $48,754,000 | 5,535 |
| Average earning assets | $43,286,000 | 5,569 |
| Average equity | $4,716,000 | 5,677 |
| Average total loans | $18,211,500 | 5,740 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0474% | 5,693 |
| Cost of funding earning assets | 0.2123% | 5,174 |
| Net interest margin | 2.8351% | 5,454 |
| Noninterest income to average assets | 0.4879% | 3,409 |
| Noninterest expense to average assets | 3.4913% | 1,300 |
| Loan and lease loss provision to assets | -0.0583% | 5,768 |
| Net operating income to assets | -0.2354% | 5,973 |
| Return on assets (ROA) | -0.2391% | 5,985 |
| Pretax return on assets | -0.4063% | 6,018 |
| Return on Equity (ROE) | -2.5839% | 5,998 |
| Retained earnings to average equity (ytd only) | -2.7940% | 5,808 |
| Net charge-offs to loans | 0.1609% | 1,765 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | -7.8667% | 4,419 |
| Efficiency ratio | 115.1282% | 109 |
| Assets per employee ($millions) | 3.7417% | 4,391 |
| Cash dividends to net income (ytd only)* | -8.1301% | 6,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,665 |
| Loan loss allowance to noncurrent loans | 206.4286% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 2.3087% | 702 |
| Noncurrent loans to loans | 0.7674% | 2,871 |
| Net loans and leases to total assets | 36.9125% | 5,672 |
| Net loans and leases to deposits | 41.0597% | 5,738 |
| Net loans and leases to core deposits | 42.6545% | 5,750 |
| Total domestic deposits to total assets | 89.8997% | 674 |
| Equity capital to assets | 9.7776% | 4,215 |
| Core capital (leverage) ratio | 8.3325% | 5,579 |
| Tier 1 risk-based capital ratio | 15.3321% | 3,025 |
| Total risk-based capital ratio | 16.4283% | 3,028 |
| Memoranda: | ||
| Average total assets | $51,442,200 | 5,514 |
| Average earning assets | $46,170,800 | 5,521 |
| Average equity | $4,760,200 | 5,710 |
| Average total loans | $18,643,200 | 5,777 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0510% | 5,766 |
| Cost of funding earning assets | 0.2135% | 5,252 |
| Net interest margin | 2.8375% | 5,518 |
| Noninterest income to average assets | 0.4986% | 3,375 |
| Noninterest expense to average assets | 3.3548% | 1,570 |
| Loan and lease loss provision to assets | -0.0767% | 5,966 |
| Net operating income to assets | -0.1630% | 6,033 |
| Return on assets (ROA) | -0.1739% | 6,051 |
| Pretax return on assets | -0.2455% | 6,070 |
| Return on Equity (ROE) | -1.9041% | 6,063 |
| Retained earnings to average equity (ytd only) | -2.1843% | 5,873 |
| Net charge-offs to loans | 0.1921% | 1,332 |
| Credit loss provision to net charge-offs | -111.1111% | 5,069 |
| Earnings coverage of net charge-offs (x) | -4.4444% | 4,122 |
| Efficiency ratio | 110.0671% | 150 |
| Assets per employee ($millions) | 3.6418% | 4,535 |
| Cash dividends to net income (ytd only)* | -14.7033% | 6,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,812 |
| Loan loss allowance to noncurrent loans | 310.6383% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 2.6699% | 615 |
| Noncurrent loans to loans | 0.5129% | 3,816 |
| Net loans and leases to total assets | 38.0943% | 5,698 |
| Net loans and leases to deposits | 42.5344% | 5,780 |
| Net loans and leases to core deposits | 44.2533% | 5,786 |
| Total domestic deposits to total assets | 89.5613% | 747 |
| Equity capital to assets | 10.1240% | 4,028 |
| Core capital (leverage) ratio | 8.6623% | 5,396 |
| Tier 1 risk-based capital ratio | 15.3711% | 3,106 |
| Total risk-based capital ratio | 16.4592% | 3,122 |
| Memoranda: | ||
| Average total assets | $52,142,250 | 5,575 |
| Average earning assets | $46,847,500 | 5,573 |
| Average equity | $4,761,250 | 5,785 |
| Average total loans | $18,743,000 | 5,843 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9763% | 5,883 |
| Cost of funding earning assets | 0.2150% | 5,305 |
| Net interest margin | 2.7613% | 5,687 |
| Noninterest income to average assets | 0.5061% | 3,335 |
| Noninterest expense to average assets | 3.2526% | 1,839 |
| Loan and lease loss provision to assets | -0.1116% | 6,097 |
| Net operating income to assets | -0.1133% | 6,054 |
| Return on assets (ROA) | -0.1303% | 6,094 |
| Pretax return on assets | -0.1712% | 6,095 |
| Return on Equity (ROE) | -1.4735% | 6,105 |
| Retained earnings to average equity (ytd only) | -1.4735% | 5,768 |
| Net charge-offs to loans | 0.2860% | 919 |
| Credit loss provision to net charge-offs | -111.1111% | 4,916 |
| Earnings coverage of net charge-offs (x) | -2.5926% | 3,794 |
| Efficiency ratio | 108.7065% | 190 |
| Assets per employee ($millions) | 3.9899% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 1,933 |
| Loan loss allowance to noncurrent loans | 93.2907% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.4234% | 797 |
| Noncurrent loans to loans | 1.7066% | 1,518 |
| Net loans and leases to total assets | 34.7973% | 5,870 |
| Net loans and leases to deposits | 38.3613% | 5,964 |
| Net loans and leases to core deposits | 39.7511% | 5,961 |
| Total domestic deposits to total assets | 90.7093% | 381 |
| Equity capital to assets | 8.9687% | 5,266 |
| Core capital (leverage) ratio | 7.9153% | 5,967 |
| Tier 1 risk-based capital ratio | 15.2735% | 3,211 |
| Total risk-based capital ratio | 16.3417% | 3,246 |
| Memoranda: | ||
| Average total assets | $53,742,000 | 5,599 |
| Average earning assets | $48,383,000 | 5,599 |
| Average equity | $4,750,670 | 5,842 |
| Average total loans | $18,881,670 | 5,891 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9472% | 5,949 |
| Cost of funding earning assets | 0.2111% | 5,405 |
| Net interest margin | 2.7361% | 5,758 |
| Noninterest income to average assets | 0.4024% | 3,986 |
| Noninterest expense to average assets | 3.2115% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2268% | 6,160 |
| Return on assets (ROA) | -0.2268% | 6,183 |
| Pretax return on assets | -0.3438% | 6,203 |
| Return on Equity (ROE) | -2.5833% | 6,202 |
| Retained earnings to average equity (ytd only) | -2.5833% | 5,756 |
| Net charge-offs to loans | 0.5430% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.8077% | 3,201 |
| Efficiency ratio | 111.9898% | 180 |
| Assets per employee ($millions) | 4.1832% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 1,834 |
| Loan loss allowance to noncurrent loans | 80.9524% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.9550% | 644 |
| Noncurrent loans to loans | 2.0571% | 1,261 |
| Net loans and leases to total assets | 35.0723% | 5,870 |
| Net loans and leases to deposits | 38.6328% | 5,966 |
| Net loans and leases to core deposits | 39.9635% | 5,975 |
| Total domestic deposits to total assets | 90.7837% | 445 |
| Equity capital to assets | 8.8356% | 5,461 |
| Core capital (leverage) ratio | 8.1442% | 5,852 |
| Tier 1 risk-based capital ratio | 15.2145% | 3,312 |
| Total risk-based capital ratio | 16.3911% | 3,278 |
| Memoranda: | ||
| Average total assets | $54,678,500 | 5,623 |
| Average earning assets | $49,266,500 | 5,630 |
| Average equity | $4,800,000 | 5,883 |
| Average total loans | $19,152,000 | 5,936 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0313% | 6,027 |
| Cost of funding earning assets | 0.2637% | 5,179 |
| Net interest margin | 2.7676% | 5,853 |
| Noninterest income to average assets | 0.5046% | 3,467 |
| Noninterest expense to average assets | 3.2464% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0108% | 6,100 |
| Return on assets (ROA) | -0.0464% | 6,130 |
| Pretax return on assets | -0.3246% | 6,229 |
| Return on Equity (ROE) | -0.5150% | 6,135 |
| Retained earnings to average equity (ytd only) | -0.9269% | 5,912 |
| Net charge-offs to loans | 0.2047% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.5366% | 4,871 |
| Efficiency ratio | 109.0343% | 232 |
| Assets per employee ($millions) | 4.2288% | 3,480 |
| Cash dividends to net income (ytd only)* | -80.0000% | 6,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 1,433 |
| Loan loss allowance to noncurrent loans | 81.9249% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.8904% | 720 |
| Noncurrent loans to loans | 2.2530% | 1,166 |
| Net loans and leases to total assets | 33.7590% | 6,048 |
| Net loans and leases to deposits | 37.1225% | 6,130 |
| Net loans and leases to core deposits | 38.3831% | 6,140 |
| Total domestic deposits to total assets | 90.9395% | 390 |
| Equity capital to assets | 8.7221% | 5,563 |
| Core capital (leverage) ratio | 8.5281% | 5,530 |
| Tier 1 risk-based capital ratio | 15.8275% | 3,041 |
| Total risk-based capital ratio | 17.0444% | 3,010 |
| Memoranda: | ||
| Average total assets | $53,905,600 | 5,697 |
| Average earning assets | $48,164,800 | 5,719 |
| Average equity | $4,854,800 | 5,893 |
| Average total loans | $20,034,200 | 5,957 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0672% | 6,070 |
| Cost of funding earning assets | 0.2728% | 5,181 |
| Net interest margin | 2.7944% | 5,877 |
| Noninterest income to average assets | 0.4971% | 3,570 |
| Noninterest expense to average assets | 3.4054% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2630% | 6,297 |
| Return on assets (ROA) | -0.3107% | 6,318 |
| Pretax return on assets | -0.4872% | 6,353 |
| Return on Equity (ROE) | -3.4224% | 6,330 |
| Retained earnings to average equity (ytd only) | -3.9700% | 6,204 |
| Net charge-offs to loans | 0.2756% | 1,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -3.9523% | 4,597 |
| Efficiency ratio | 113.7874% | 184 |
| Assets per employee ($millions) | 3.9165% | 4,047 |
| Cash dividends to net income (ytd only)* | -16.0026% | 6,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 1,723 |
| Loan loss allowance to noncurrent loans | 60.8392% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 3.2702% | 681 |
| Noncurrent loans to loans | 2.9382% | 913 |
| Net loans and leases to total assets | 37.5528% | 5,963 |
| Net loans and leases to deposits | 41.5499% | 6,070 |
| Net loans and leases to core deposits | 43.1000% | 6,077 |
| Total domestic deposits to total assets | 90.3800% | 580 |
| Equity capital to assets | 9.2468% | 5,089 |
| Core capital (leverage) ratio | 8.7002% | 5,438 |
| Tier 1 risk-based capital ratio | 15.7784% | 3,166 |
| Total risk-based capital ratio | 16.9938% | 3,126 |
| Memoranda: | ||
| Average total assets | $53,638,250 | 5,766 |
| Average earning assets | $47,904,000 | 5,791 |
| Average equity | $4,869,750 | 5,948 |
| Average total loans | $20,315,750 | 6,016 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0715% | 6,101 |
| Cost of funding earning assets | 0.2789% | 5,205 |
| Net interest margin | 2.7926% | 5,927 |
| Noninterest income to average assets | 0.4730% | 3,685 |
| Noninterest expense to average assets | 3.2303% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1729% | 6,300 |
| Return on assets (ROA) | -0.2310% | 6,346 |
| Pretax return on assets | -0.3483% | 6,379 |
| Return on Equity (ROE) | -2.5591% | 6,359 |
| Retained earnings to average equity (ytd only) | -2.9653% | 6,095 |
| Net charge-offs to loans | 0.3690% | 1,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.8684% | 4,238 |
| Efficiency ratio | 108.7654% | 250 |
| Assets per employee ($millions) | 4.1041% | 3,634 |
| Cash dividends to net income (ytd only)* | -15.8730% | 6,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 1,868 |
| Loan loss allowance to noncurrent loans | 78.2222% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.9314% | 878 |
| Noncurrent loans to loans | 2.2876% | 1,422 |
| Net loans and leases to total assets | 36.2098% | 6,040 |
| Net loans and leases to deposits | 39.9582% | 6,160 |
| Net loans and leases to core deposits | 41.3727% | 6,176 |
| Total domestic deposits to total assets | 90.6191% | 537 |
| Equity capital to assets | 9.0623% | 5,235 |
| Core capital (leverage) ratio | 8.5570% | 5,581 |
| Tier 1 risk-based capital ratio | 16.0112% | 3,076 |
| Total risk-based capital ratio | 17.2287% | 3,035 |
| Memoranda: | ||
| Average total assets | $54,546,000 | 5,798 |
| Average earning assets | $48,771,670 | 5,814 |
| Average equity | $4,923,670 | 5,973 |
| Average total loans | $20,598,330 | 6,053 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0551% | 6,177 |
| Cost of funding earning assets | 0.2925% | 5,152 |
| Net interest margin | 2.7626% | 6,012 |
| Noninterest income to average assets | 0.4062% | 4,132 |
| Noninterest expense to average assets | 3.0974% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1483% | 6,319 |
| Return on assets (ROA) | -0.2249% | 6,374 |
| Pretax return on assets | -0.3409% | 6,408 |
| Return on Equity (ROE) | -2.4960% | 6,381 |
| Retained earnings to average equity (ytd only) | -3.3011% | 5,994 |
| Net charge-offs to loans | 0.7407% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.7949% | 3,501 |
| Efficiency ratio | 107.8283% | 299 |
| Assets per employee ($millions) | 3.9797% | 3,984 |
| Cash dividends to net income (ytd only)* | -32.2581% | 6,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 2,281 |
| Loan loss allowance to noncurrent loans | 78.3482% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 2.8771% | 1,015 |
| Noncurrent loans to loans | 2.1967% | 1,657 |
| Net loans and leases to total assets | 35.9735% | 6,072 |
| Net loans and leases to deposits | 39.6115% | 6,183 |
| Net loans and leases to core deposits | 40.9475% | 6,200 |
| Total domestic deposits to total assets | 90.8159% | 637 |
| Equity capital to assets | 8.8808% | 5,244 |
| Core capital (leverage) ratio | 8.6336% | 5,486 |
| Tier 1 risk-based capital ratio | 15.7075% | 3,327 |
| Total risk-based capital ratio | 16.8881% | 3,326 |
| Memoranda: | ||
| Average total assets | $55,142,500 | 5,841 |
| Average earning assets | $49,228,500 | 5,862 |
| Average equity | $4,968,000 | 6,002 |
| Average total loans | $21,062,000 | 6,093 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4419% | 5,753 |
| Cost of funding earning assets | 0.3803% | 4,833 |
| Net interest margin | 3.0616% | 5,431 |
| Noninterest income to average assets | 0.3396% | 4,891 |
| Noninterest expense to average assets | 3.7485% | 1,219 |
| Loan and lease loss provision to assets | 0.0954% | 3,215 |
| Net operating income to assets | -0.5563% | 6,510 |
| Return on assets (ROA) | -0.5971% | 6,524 |
| Pretax return on assets | -0.8603% | 6,569 |
| Return on Equity (ROE) | -6.5320% | 6,524 |
| Retained earnings to average equity (ytd only) | -6.7407% | 6,447 |
| Net charge-offs to loans | 0.4071% | 1,655 |
| Credit loss provision to net charge-offs | 53.7634% | 3,732 |
| Earnings coverage of net charge-offs (x) | -3.9785% | 5,373 |
| Efficiency ratio | 123.1975% | 158 |
| Assets per employee ($millions) | 3.8978% | 4,069 |
| Cash dividends to net income (ytd only)* | -3.1949% | 6,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 2,080 |
| Loan loss allowance to noncurrent loans | 53.2060% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 3.7219% | 750 |
| Noncurrent loans to loans | 3.3732% | 953 |
| Net loans and leases to total assets | 39.1065% | 6,026 |
| Net loans and leases to deposits | 43.1905% | 6,162 |
| Net loans and leases to core deposits | 44.6817% | 6,199 |
| Total domestic deposits to total assets | 90.5441% | 784 |
| Equity capital to assets | 9.1407% | 4,880 |
| Core capital (leverage) ratio | 8.7588% | 5,352 |
| Tier 1 risk-based capital ratio | 15.5551% | 3,339 |
| Total risk-based capital ratio | 16.8062% | 3,293 |
| Memoranda: | ||
| Average total assets | $52,421,200 | 5,956 |
| Average earning assets | $46,283,000 | 5,982 |
| Average equity | $4,791,800 | 6,119 |
| Average total loans | $22,842,800 | 6,084 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 5,606 |
| Cost of funding earning assets | 0.3946% | 4,865 |
| Net interest margin | 3.1420% | 5,177 |
| Noninterest income to average assets | 0.3289% | 5,055 |
| Noninterest expense to average assets | 3.7519% | 1,160 |
| Loan and lease loss provision to assets | 0.1285% | 2,679 |
| Net operating income to assets | -0.4784% | 6,590 |
| Return on assets (ROA) | -0.5294% | 6,623 |
| Pretax return on assets | -0.8686% | 6,676 |
| Return on Equity (ROE) | -5.7912% | 6,615 |
| Retained earnings to average equity (ytd only) | -6.0722% | 6,539 |
| Net charge-offs to loans | 0.5132% | 1,252 |
| Credit loss provision to net charge-offs | 56.1798% | 3,374 |
| Earnings coverage of net charge-offs (x) | -2.8877% | 5,104 |
| Efficiency ratio | 121.3633% | 167 |
| Assets per employee ($millions) | 3.9525% | 3,928 |
| Cash dividends to net income (ytd only)* | -4.8533% | 6,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 2,376 |
| Loan loss allowance to noncurrent loans | 58.1979% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 4.0364% | 766 |
| Noncurrent loans to loans | 3.0542% | 1,306 |
| Net loans and leases to total assets | 42.3720% | 5,873 |
| Net loans and leases to deposits | 47.1817% | 6,020 |
| Net loans and leases to core deposits | 48.9423% | 6,073 |
| Total domestic deposits to total assets | 89.8060% | 1,102 |
| Equity capital to assets | 9.8282% | 4,138 |
| Core capital (leverage) ratio | 9.3713% | 4,574 |
| Tier 1 risk-based capital ratio | 15.6147% | 3,395 |
| Total risk-based capital ratio | 16.8642% | 3,361 |
| Memoranda: | ||
| Average total assets | $51,884,250 | 6,037 |
| Average earning assets | $45,617,250 | 6,069 |
| Average equity | $4,742,750 | 6,210 |
| Average total loans | $23,121,000 | 6,133 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 5,496 |
| Cost of funding earning assets | 0.4065% | 4,878 |
| Net interest margin | 3.1734% | 5,037 |
| Noninterest income to average assets | 0.4073% | 4,471 |
| Noninterest expense to average assets | 3.6349% | 1,359 |
| Loan and lease loss provision to assets | 0.1921% | 1,976 |
| Net operating income to assets | -0.3896% | 6,599 |
| Return on assets (ROA) | -0.4265% | 6,632 |
| Pretax return on assets | -0.6878% | 6,685 |
| Return on Equity (ROE) | -4.7841% | 6,636 |
| Retained earnings to average equity (ytd only) | -5.2151% | 6,471 |
| Net charge-offs to loans | 0.6911% | 948 |
| Credit loss provision to net charge-offs | 61.7284% | 2,985 |
| Earnings coverage of net charge-offs (x) | -1.4074% | 4,739 |
| Efficiency ratio | 113.7019% | 233 |
| Assets per employee ($millions) | 3.8546% | 4,099 |
| Cash dividends to net income (ytd only)* | -9.0090% | 6,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 2,444 |
| Loan loss allowance to noncurrent loans | 41.3155% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 5.7853% | 485 |
| Noncurrent loans to loans | 4.3492% | 828 |
| Net loans and leases to total assets | 43.8435% | 5,752 |
| Net loans and leases to deposits | 48.9866% | 5,920 |
| Net loans and leases to core deposits | 50.8671% | 5,973 |
| Total domestic deposits to total assets | 89.5011% | 1,323 |
| Equity capital to assets | 10.1616% | 3,713 |
| Core capital (leverage) ratio | 10.1376% | 3,308 |
| Tier 1 risk-based capital ratio | 16.0881% | 3,140 |
| Total risk-based capital ratio | 17.3373% | 3,084 |
| Memoranda: | ||
| Average total assets | $52,051,330 | 6,071 |
| Average earning assets | $45,755,000 | 6,110 |
| Average equity | $4,640,330 | 6,286 |
| Average total loans | $23,439,330 | 6,153 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 5,819 |
| Cost of funding earning assets | 0.4266% | 4,845 |
| Net interest margin | 3.0290% | 5,487 |
| Noninterest income to average assets | 0.4828% | 3,901 |
| Noninterest expense to average assets | 3.5306% | 1,558 |
| Loan and lease loss provision to assets | 0.3772% | 847 |
| Net operating income to assets | -0.4765% | 6,661 |
| Return on assets (ROA) | -0.5055% | 6,695 |
| Pretax return on assets | -0.7921% | 6,754 |
| Return on Equity (ROE) | -6.0709% | 6,721 |
| Retained earnings to average equity (ytd only) | -6.9770% | 6,473 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6945% | 307 |
| Assets per employee ($millions) | 3.6591% | 4,644 |
| Cash dividends to net income (ytd only)* | -14.9254% | 6,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0549% | 1,908 |
| Loan loss allowance to noncurrent loans | 24.7439% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 5.3566% | 649 |
| Noncurrent loans to loans | 8.3046% | 309 |
| Net loans and leases to total assets | 44.9411% | 5,557 |
| Net loans and leases to deposits | 49.3230% | 5,831 |
| Net loans and leases to core deposits | 51.1361% | 5,884 |
| Total domestic deposits to total assets | 91.1160% | 481 |
| Equity capital to assets | 8.5268% | 5,994 |
| Core capital (leverage) ratio | 9.8659% | 3,581 |
| Tier 1 risk-based capital ratio | 15.4581% | 3,550 |
| Total risk-based capital ratio | 16.7077% | 3,515 |
| Memoranda: | ||
| Average total assets | $53,022,000 | 6,100 |
| Average earning assets | $46,880,500 | 6,133 |
| Average equity | $4,414,500 | 6,414 |
| Average total loans | $23,973,000 | 6,175 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 4,598 |
| Cost of funding earning assets | 0.6764% | 3,674 |
| Net interest margin | 3.5214% | 4,414 |
| Noninterest income to average assets | 0.6599% | 2,940 |
| Noninterest expense to average assets | 4.0155% | 961 |
| Loan and lease loss provision to assets | 0.1645% | 3,556 |
| Net operating income to assets | -0.2513% | 6,411 |
| Return on assets (ROA) | -0.3232% | 6,510 |
| Pretax return on assets | -0.5090% | 6,577 |
| Return on Equity (ROE) | -3.7133% | 6,534 |
| Retained earnings to average equity (ytd only) | -3.9356% | 6,355 |
| Net charge-offs to loans | 0.1057% | 4,609 |
| Credit loss provision to net charge-offs | 303.5714% | 802 |
| Earnings coverage of net charge-offs (x) | -4.2857% | 5,899 |
| Efficiency ratio | 106.1381% | 408 |
| Assets per employee ($millions) | 3.6545% | 4,666 |
| Cash dividends to net income (ytd only)* | -5.9880% | 7,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 2,681 |
| Loan loss allowance to noncurrent loans | 23.1923% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 4.3709% | 956 |
| Noncurrent loans to loans | 7.6388% | 395 |
| Net loans and leases to total assets | 43.7966% | 5,838 |
| Net loans and leases to deposits | 47.8504% | 6,117 |
| Net loans and leases to core deposits | 49.8743% | 6,155 |
| Total domestic deposits to total assets | 91.5282% | 334 |
| Equity capital to assets | 8.1380% | 6,331 |
| Core capital (leverage) ratio | 10.1406% | 3,224 |
| Tier 1 risk-based capital ratio | 15.1358% | 3,651 |
| Total risk-based capital ratio | 16.3848% | 3,597 |
| Memoranda: | ||
| Average total assets | $51,674,600 | 6,154 |
| Average earning assets | $45,834,200 | 6,185 |
| Average equity | $4,497,400 | 6,443 |
| Average total loans | $26,494,800 | 6,113 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 4,118 |
| Cost of funding earning assets | 0.7394% | 3,439 |
| Net interest margin | 3.6439% | 4,034 |
| Noninterest income to average assets | 0.6655% | 2,900 |
| Noninterest expense to average assets | 4.1318% | 793 |
| Loan and lease loss provision to assets | 0.1965% | 3,120 |
| Net operating income to assets | -0.2678% | 6,549 |
| Return on assets (ROA) | -0.3432% | 6,662 |
| Pretax return on assets | -0.5397% | 6,718 |
| Return on Equity (ROE) | -3.8757% | 6,668 |
| Retained earnings to average equity (ytd only) | -4.1718% | 6,563 |
| Net charge-offs to loans | 0.1382% | 4,010 |
| Credit loss provision to net charge-offs | 267.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | -3.0715% | 5,679 |
| Efficiency ratio | 105.7679% | 388 |
| Assets per employee ($millions) | 3.3269% | 5,376 |
| Cash dividends to net income (ytd only)* | -7.6320% | 7,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,235 |
| Loan loss allowance to noncurrent loans | 41.1879% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 3.0959% | 1,681 |
| Noncurrent loans to loans | 4.0654% | 1,246 |
| Net loans and leases to total assets | 49.7736% | 5,337 |
| Net loans and leases to deposits | 54.8710% | 5,729 |
| Net loans and leases to core deposits | 62.8120% | 5,280 |
| Total domestic deposits to total assets | 90.7102% | 515 |
| Equity capital to assets | 8.9332% | 5,889 |
| Core capital (leverage) ratio | 11.0096% | 2,372 |
| Tier 1 risk-based capital ratio | 15.6038% | 3,476 |
| Total risk-based capital ratio | 16.6696% | 3,539 |
| Memoranda: | ||
| Average total assets | $50,889,000 | 6,257 |
| Average earning assets | $45,261,750 | 6,268 |
| Average equity | $4,506,500 | 6,511 |
| Average total loans | $27,008,250 | 6,166 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 3,871 |
| Cost of funding earning assets | 0.7810% | 3,353 |
| Net interest margin | 3.6944% | 3,851 |
| Noninterest income to average assets | 0.6365% | 3,029 |
| Noninterest expense to average assets | 3.9362% | 1,026 |
| Loan and lease loss provision to assets | 0.2343% | 2,725 |
| Net operating income to assets | -0.1623% | 6,504 |
| Return on assets (ROA) | -0.2499% | 6,643 |
| Pretax return on assets | -0.3788% | 6,686 |
| Return on Equity (ROE) | -2.8302% | 6,665 |
| Retained earnings to average equity (ytd only) | -3.2724% | 6,497 |
| Net charge-offs to loans | 0.1232% | 3,940 |
| Credit loss provision to net charge-offs | 352.9412% | 829 |
| Earnings coverage of net charge-offs (x) | -0.1765% | 5,156 |
| Efficiency ratio | 100.2985% | 549 |
| Assets per employee ($millions) | 3.1213% | 5,799 |
| Cash dividends to net income (ytd only)* | -15.6250% | 7,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 3,538 |
| Loan loss allowance to noncurrent loans | 51.2852% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 2.6732% | 2,067 |
| Noncurrent loans to loans | 3.1574% | 1,847 |
| Net loans and leases to total assets | 50.9741% | 5,227 |
| Net loans and leases to deposits | 56.2188% | 5,624 |
| Net loans and leases to core deposits | 60.1266% | 5,574 |
| Total domestic deposits to total assets | 90.6710% | 582 |
| Equity capital to assets | 9.0267% | 5,671 |
| Core capital (leverage) ratio | 10.4306% | 2,881 |
| Tier 1 risk-based capital ratio | 15.9963% | 3,171 |
| Total risk-based capital ratio | 17.0816% | 3,224 |
| Memoranda: | ||
| Average total assets | $51,217,330 | 6,282 |
| Average earning assets | $45,582,330 | 6,299 |
| Average equity | $4,522,670 | 6,541 |
| Average total loans | $27,590,330 | 6,172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 3,743 |
| Cost of funding earning assets | 0.8411% | 3,138 |
| Net interest margin | 3.7026% | 3,814 |
| Noninterest income to average assets | 0.6325% | 3,043 |
| Noninterest expense to average assets | 3.8260% | 1,172 |
| Loan and lease loss provision to assets | 0.2314% | 2,635 |
| Net operating income to assets | -0.0959% | 6,537 |
| Return on assets (ROA) | -0.1466% | 6,644 |
| Pretax return on assets | -0.2006% | 6,665 |
| Return on Equity (ROE) | -1.6777% | 6,665 |
| Retained earnings to average equity (ytd only) | -1.6777% | 6,237 |
| Net charge-offs to loans | 0.2250% | 2,798 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 0.8125% | 3,929 |
| Efficiency ratio | 97.4460% | 661 |
| Assets per employee ($millions) | 3.0358% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,676 |
| Loan loss allowance to noncurrent loans | 45.6674% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.8425% | 2,058 |
| Noncurrent loans to loans | 3.0309% | 2,134 |
| Net loans and leases to total assets | 53.8394% | 4,751 |
| Net loans and leases to deposits | 59.2629% | 5,250 |
| Net loans and leases to core deposits | 62.0944% | 5,313 |
| Total domestic deposits to total assets | 90.8485% | 620 |
| Equity capital to assets | 8.7775% | 5,779 |
| Core capital (leverage) ratio | 10.5186% | 2,729 |
| Tier 1 risk-based capital ratio | 14.8949% | 3,826 |
| Total risk-based capital ratio | 15.9623% | 3,904 |
| Memoranda: | ||
| Average total assets | $51,855,500 | 6,308 |
| Average earning assets | $46,129,500 | 6,325 |
| Average equity | $4,530,000 | 6,570 |
| Average total loans | $28,447,500 | 6,183 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 3,892 |
| Cost of funding earning assets | 1.0468% | 3,047 |
| Net interest margin | 3.7354% | 4,133 |
| Noninterest income to average assets | 0.5342% | 3,623 |
| Noninterest expense to average assets | 3.9472% | 1,118 |
| Loan and lease loss provision to assets | 0.2671% | 3,544 |
| Net operating income to assets | -0.1845% | 6,242 |
| Return on assets (ROA) | -0.3091% | 6,402 |
| Pretax return on assets | -0.5456% | 6,521 |
| Return on Equity (ROE) | -3.5162% | 6,444 |
| Retained earnings to average equity (ytd only) | -3.5162% | 6,328 |
| Net charge-offs to loans | 0.4754% | 3,089 |
| Credit loss provision to net charge-offs | 100.7194% | 3,464 |
| Earnings coverage of net charge-offs (x) | -0.3165% | 6,012 |
| Efficiency ratio | 102.1728% | 620 |
| Assets per employee ($millions) | 3.0648% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,859 |
| Loan loss allowance to noncurrent loans | 41.5011% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 2.8886% | 2,091 |
| Noncurrent loans to loans | 3.1547% | 2,052 |
| Net loans and leases to total assets | 54.3991% | 4,978 |
| Net loans and leases to deposits | 59.7941% | 5,510 |
| Net loans and leases to core deposits | 64.0274% | 5,463 |
| Total domestic deposits to total assets | 90.9773% | 517 |
| Equity capital to assets | 8.6945% | 5,906 |
| Core capital (leverage) ratio | 10.3711% | 2,881 |
| Tier 1 risk-based capital ratio | 14.5631% | 3,924 |
| Total risk-based capital ratio | 15.5647% | 4,061 |
| Memoranda: | ||
| Average total assets | $52,417,400 | 6,292 |
| Average earning assets | $46,714,600 | 6,304 |
| Average equity | $4,607,200 | 6,557 |
| Average total loans | $29,241,400 | 6,189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 3,826 |
| Cost of funding earning assets | 1.0823% | 3,097 |
| Net interest margin | 3.7594% | 4,068 |
| Noninterest income to average assets | 0.5181% | 3,741 |
| Noninterest expense to average assets | 3.9722% | 1,037 |
| Loan and lease loss provision to assets | 0.2159% | 3,858 |
| Net operating income to assets | -0.1965% | 6,385 |
| Return on assets (ROA) | -0.3200% | 6,572 |
| Pretax return on assets | -0.5105% | 6,626 |
| Return on Equity (ROE) | -3.6313% | 6,604 |
| Retained earnings to average equity (ytd only) | -3.6313% | 6,482 |
| Net charge-offs to loans | 0.0772% | 5,197 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | -2.3524% | 6,039 |
| Efficiency ratio | 102.6247% | 592 |
| Assets per employee ($millions) | 3.0355% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 3,972 |
| Loan loss allowance to noncurrent loans | 38.7238% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 3.9513% | 1,553 |
| Noncurrent loans to loans | 3.9441% | 1,676 |
| Net loans and leases to total assets | 55.3495% | 4,948 |
| Net loans and leases to deposits | 61.2721% | 5,480 |
| Net loans and leases to core deposits | 64.5921% | 5,555 |
| Total domestic deposits to total assets | 90.3339% | 703 |
| Equity capital to assets | 9.2611% | 5,437 |
| Core capital (leverage) ratio | 11.1493% | 2,281 |
| Tier 1 risk-based capital ratio | 15.3214% | 3,482 |
| Total risk-based capital ratio | 16.4221% | 3,532 |
| Memoranda: | ||
| Average total assets | $52,496,250 | 6,341 |
| Average earning assets | $46,814,500 | 6,351 |
| Average equity | $4,626,500 | 6,604 |
| Average total loans | $29,372,000 | 6,247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 3,647 |
| Cost of funding earning assets | 1.1218% | 3,091 |
| Net interest margin | 3.7732% | 3,923 |
| Noninterest income to average assets | 0.3826% | 4,821 |
| Noninterest expense to average assets | 3.7769% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0220% | 6,261 |
| Return on assets (ROA) | -0.1440% | 6,453 |
| Pretax return on assets | -0.2046% | 6,459 |
| Return on Equity (ROE) | -1.6610% | 6,480 |
| Retained earnings to average equity (ytd only) | -1.6610% | 6,190 |
| Net charge-offs to loans | 0.0542% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,629 |
| Efficiency ratio | 100.8089% | 698 |
| Assets per employee ($millions) | 2.8495% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 5,367 |
| Loan loss allowance to noncurrent loans | 29.6686% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 4.1489% | 1,535 |
| Noncurrent loans to loans | 4.1768% | 1,632 |
| Net loans and leases to total assets | 57.0256% | 4,817 |
| Net loans and leases to deposits | 63.1919% | 5,371 |
| Net loans and leases to core deposits | 67.0480% | 5,385 |
| Total domestic deposits to total assets | 90.2420% | 843 |
| Equity capital to assets | 9.3915% | 4,992 |
| Core capital (leverage) ratio | 11.1916% | 2,121 |
| Tier 1 risk-based capital ratio | 14.6994% | 3,672 |
| Total risk-based capital ratio | 15.6456% | 3,840 |
| Memoranda: | ||
| Average total assets | $52,794,000 | 6,379 |
| Average earning assets | $47,068,330 | 6,397 |
| Average equity | $4,575,670 | 6,657 |
| Average total loans | $29,494,330 | 6,311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 3,416 |
| Cost of funding earning assets | 1.1552% | 3,123 |
| Net interest margin | 3.7754% | 3,732 |
| Noninterest income to average assets | 0.5229% | 3,701 |
| Noninterest expense to average assets | 3.6007% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2359% | 5,663 |
| Return on assets (ROA) | 0.1270% | 6,076 |
| Pretax return on assets | 0.1569% | 6,036 |
| Return on Equity (ROE) | 1.5264% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.5264% | 5,197 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5144% | 1,132 |
| Assets per employee ($millions) | 2.9292% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 5,260 |
| Loan loss allowance to noncurrent loans | 37.8788% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 3.0593% | 2,256 |
| Noncurrent loans to loans | 3.3696% | 2,222 |
| Net loans and leases to total assets | 55.0119% | 5,157 |
| Net loans and leases to deposits | 60.3717% | 5,686 |
| Net loans and leases to core deposits | 65.0511% | 5,619 |
| Total domestic deposits to total assets | 91.1219% | 564 |
| Equity capital to assets | 8.4666% | 5,956 |
| Core capital (leverage) ratio | 11.0749% | 2,130 |
| Tier 1 risk-based capital ratio | 14.7493% | 3,578 |
| Total risk-based capital ratio | 15.7067% | 3,726 |
| Memoranda: | ||
| Average total assets | $53,545,500 | 6,392 |
| Average earning assets | $47,783,000 | 6,421 |
| Average equity | $4,455,000 | 6,720 |
| Average total loans | $29,433,500 | 6,360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 4,370 |
| Cost of funding earning assets | 1.4571% | 2,914 |
| Net interest margin | 3.5825% | 4,899 |
| Noninterest income to average assets | 0.7108% | 2,781 |
| Noninterest expense to average assets | 3.8320% | 1,424 |
| Loan and lease loss provision to assets | 0.0800% | 6,354 |
| Net operating income to assets | -0.0210% | 5,882 |
| Return on assets (ROA) | -0.4649% | 6,395 |
| Pretax return on assets | -0.7279% | 6,474 |
| Return on Equity (ROE) | -5.4088% | 6,470 |
| Retained earnings to average equity (ytd only) | -5.8521% | 6,369 |
| Net charge-offs to loans | 0.0855% | 5,981 |
| Credit loss provision to net charge-offs | 168.0000% | 2,023 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 5,150 |
| Efficiency ratio | 98.8206% | 830 |
| Assets per employee ($millions) | 3.0203% | 6,056 |
| Cash dividends to net income (ytd only)* | -8.1967% | 7,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 5,154 |
| Loan loss allowance to noncurrent loans | 31.5657% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 3.3973% | 2,059 |
| Noncurrent loans to loans | 4.0289% | 1,800 |
| Net loans and leases to total assets | 53.5482% | 5,696 |
| Net loans and leases to deposits | 58.5436% | 6,209 |
| Net loans and leases to core deposits | 63.4539% | 6,104 |
| Total domestic deposits to total assets | 91.4671% | 409 |
| Equity capital to assets | 8.1779% | 6,286 |
| Core capital (leverage) ratio | 10.5832% | 2,476 |
| Tier 1 risk-based capital ratio | 14.4805% | 3,558 |
| Total risk-based capital ratio | 15.4239% | 3,712 |
| Memoranda: | ||
| Average total assets | $52,479,200 | 6,446 |
| Average earning assets | $46,392,000 | 6,499 |
| Average equity | $4,511,200 | 6,814 |
| Average total loans | $29,246,000 | 6,439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 4,303 |
| Cost of funding earning assets | 1.5058% | 2,941 |
| Net interest margin | 3.5958% | 4,900 |
| Noninterest income to average assets | 0.7614% | 2,443 |
| Noninterest expense to average assets | 3.7583% | 1,459 |
| Loan and lease loss provision to assets | 0.0461% | 6,626 |
| Net operating income to assets | 0.1220% | 5,714 |
| Return on assets (ROA) | -0.4358% | 6,587 |
| Pretax return on assets | -0.7435% | 6,703 |
| Return on Equity (ROE) | -5.0063% | 6,649 |
| Retained earnings to average equity (ytd only) | -5.0063% | 6,556 |
| Net charge-offs to loans | 0.0091% | 6,537 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 33.9551% | 789 |
| Efficiency ratio | 95.5671% | 922 |
| Assets per employee ($millions) | 3.1106% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 5,158 |
| Loan loss allowance to noncurrent loans | 36.5591% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 2.9973% | 2,424 |
| Noncurrent loans to loans | 3.4496% | 2,308 |
| Net loans and leases to total assets | 55.3734% | 5,640 |
| Net loans and leases to deposits | 60.9623% | 6,216 |
| Net loans and leases to core deposits | 65.3923% | 6,168 |
| Total domestic deposits to total assets | 90.8322% | 507 |
| Equity capital to assets | 8.7404% | 5,955 |
| Core capital (leverage) ratio | 11.6638% | 1,837 |
| Tier 1 risk-based capital ratio | 14.6945% | 3,393 |
| Total risk-based capital ratio | 15.6309% | 3,548 |
| Memoranda: | ||
| Average total assets | $52,007,500 | 6,539 |
| Average earning assets | $45,867,250 | 6,593 |
| Average equity | $4,527,500 | 6,895 |
| Average total loans | $29,185,750 | 6,526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 4,428 |
| Cost of funding earning assets | 1.5414% | 3,007 |
| Net interest margin | 3.5630% | 4,985 |
| Noninterest income to average assets | 0.7773% | 2,249 |
| Noninterest expense to average assets | 3.7280% | 1,504 |
| Loan and lease loss provision to assets | 0.0039% | 6,841 |
| Net operating income to assets | 0.1706% | 5,660 |
| Return on assets (ROA) | -0.4679% | 6,657 |
| Pretax return on assets | -0.7967% | 6,784 |
| Return on Equity (ROE) | -5.3826% | 6,726 |
| Retained earnings to average equity (ytd only) | -5.3826% | 6,595 |
| Net charge-offs to loans | -0.0069% | 7,149 |
| Credit loss provision to net charge-offs | -100.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7886% | 1,019 |
| Assets per employee ($millions) | 2.8242% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 5,222 |
| Loan loss allowance to noncurrent loans | 36.5854% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 3.2714% | 2,154 |
| Noncurrent loans to loans | 3.3977% | 2,346 |
| Net loans and leases to total assets | 56.2624% | 5,665 |
| Net loans and leases to deposits | 62.1491% | 6,221 |
| Net loans and leases to core deposits | 65.9495% | 6,249 |
| Total domestic deposits to total assets | 90.5282% | 676 |
| Equity capital to assets | 8.9663% | 5,499 |
| Core capital (leverage) ratio | 11.7528% | 1,773 |
| Tier 1 risk-based capital ratio | 15.5649% | 2,861 |
| Total risk-based capital ratio | 16.4809% | 3,002 |
| Memoranda: | ||
| Average total assets | $51,716,330 | 6,595 |
| Average earning assets | $45,803,670 | 6,642 |
| Average equity | $4,496,000 | 6,937 |
| Average total loans | $29,029,000 | 6,578 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 5,621 |
| Cost of funding earning assets | 1.5383% | 3,340 |
| Net interest margin | 3.3272% | 5,875 |
| Noninterest income to average assets | 0.7056% | 2,559 |
| Noninterest expense to average assets | 3.5968% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0509% | 6,156 |
| Return on assets (ROA) | -0.1994% | 6,613 |
| Pretax return on assets | -0.3298% | 6,666 |
| Return on Equity (ROE) | -2.3292% | 6,674 |
| Retained earnings to average equity (ytd only) | -2.3292% | 6,264 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3229% | 910 |
| Assets per employee ($millions) | 2.7177% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,352 |
| Loan loss allowance to noncurrent loans | 34.9951% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 7.2932% | 719 |
| Noncurrent loans to loans | 3.5084% | 2,268 |
| Net loans and leases to total assets | 55.7759% | 5,779 |
| Net loans and leases to deposits | 61.4579% | 6,326 |
| Net loans and leases to core deposits | 65.1297% | 6,359 |
| Total domestic deposits to total assets | 90.7547% | 628 |
| Equity capital to assets | 8.6469% | 5,804 |
| Core capital (leverage) ratio | 11.9766% | 1,663 |
| Tier 1 risk-based capital ratio | 15.2952% | 2,967 |
| Total risk-based capital ratio | 16.1767% | 3,104 |
| Memoranda: | ||
| Average total assets | $52,157,000 | 6,662 |
| Average earning assets | $46,285,000 | 6,690 |
| Average equity | $4,465,000 | 7,017 |
| Average total loans | $29,063,000 | 6,655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 4,817 |
| Cost of funding earning assets | 1.9379% | 3,259 |
| Net interest margin | 3.4362% | 5,231 |
| Noninterest income to average assets | 0.6004% | 3,630 |
| Noninterest expense to average assets | 3.6897% | 1,934 |
| Loan and lease loss provision to assets | 0.1648% | 6,042 |
| Net operating income to assets | -0.2015% | 5,842 |
| Return on assets (ROA) | -0.2368% | 5,880 |
| Pretax return on assets | -0.2406% | 5,753 |
| Return on Equity (ROE) | -2.7516% | 5,954 |
| Retained earnings to average equity (ytd only) | -3.4120% | 5,771 |
| Net charge-offs to loans | 0.0965% | 6,170 |
| Credit loss provision to net charge-offs | 334.6154% | 971 |
| Earnings coverage of net charge-offs (x) | -0.8077% | 6,840 |
| Efficiency ratio | 101.0898% | 1,051 |
| Assets per employee ($millions) | 2.7725% | 6,711 |
| Cash dividends to net income (ytd only)* | -24.0000% | 7,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 5,135 |
| Loan loss allowance to noncurrent loans | 36.8692% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 3.3013% | 2,075 |
| Noncurrent loans to loans | 3.3521% | 2,275 |
| Net loans and leases to total assets | 54.3102% | 6,168 |
| Net loans and leases to deposits | 59.7727% | 6,646 |
| Net loans and leases to core deposits | 73.9480% | 6,534 |
| Total domestic deposits to total assets | 90.8613% | 588 |
| Equity capital to assets | 8.4762% | 5,916 |
| Core capital (leverage) ratio | 11.8135% | 1,751 |
| Tier 1 risk-based capital ratio | 15.4858% | 2,723 |
| Total risk-based capital ratio | 16.3746% | 2,836 |
| Memoranda: | ||
| Average total assets | $52,795,600 | 6,600 |
| Average earning assets | $46,854,400 | 6,645 |
| Average equity | $4,542,800 | 7,099 |
| Average total loans | $26,936,600 | 6,808 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 5,005 |
| Cost of funding earning assets | 1.9906% | 3,405 |
| Net interest margin | 3.3983% | 5,272 |
| Noninterest income to average assets | 0.7244% | 2,854 |
| Noninterest expense to average assets | 3.6850% | 1,856 |
| Loan and lease loss provision to assets | 0.2196% | 5,223 |
| Net operating income to assets | -0.0873% | 5,869 |
| Return on assets (ROA) | -0.1035% | 5,926 |
| Pretax return on assets | -0.1893% | 5,965 |
| Return on Equity (ROE) | -1.1983% | 5,964 |
| Retained earnings to average equity (ytd only) | -2.0749% | 5,739 |
| Net charge-offs to loans | 0.1110% | 5,568 |
| Credit loss provision to net charge-offs | 395.4545% | 1,009 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,051 |
| Efficiency ratio | 98.5155% | 1,138 |
| Assets per employee ($millions) | 2.7245% | 6,798 |
| Cash dividends to net income (ytd only)* | -73.1663% | 7,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,790 |
| Loan loss allowance to noncurrent loans | 55.4364% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.8958% | 2,395 |
| Noncurrent loans to loans | 2.2624% | 3,312 |
| Net loans and leases to total assets | 55.0584% | 6,262 |
| Net loans and leases to deposits | 62.3518% | 6,635 |
| Net loans and leases to core deposits | 80.5318% | 6,301 |
| Total domestic deposits to total assets | 88.3029% | 1,514 |
| Equity capital to assets | 8.8515% | 5,708 |
| Core capital (leverage) ratio | 12.1708% | 1,722 |
| Tier 1 risk-based capital ratio | 15.2055% | 2,950 |
| Total risk-based capital ratio | 16.0762% | 3,066 |
| Memoranda: | ||
| Average total assets | $52,825,250 | 6,647 |
| Average earning assets | $46,885,000 | 6,694 |
| Average equity | $4,562,250 | 7,157 |
| Average total loans | $26,429,000 | 6,887 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 5,623 |
| Cost of funding earning assets | 2.0324% | 3,612 |
| Net interest margin | 3.2757% | 5,637 |
| Noninterest income to average assets | 0.7296% | 2,815 |
| Noninterest expense to average assets | 3.5954% | 2,082 |
| Loan and lease loss provision to assets | 0.2633% | 4,471 |
| Net operating income to assets | -0.1264% | 6,060 |
| Return on assets (ROA) | -0.1504% | 6,129 |
| Pretax return on assets | -0.2633% | 6,191 |
| Return on Equity (ROE) | -1.7561% | 6,185 |
| Retained earnings to average equity (ytd only) | -2.4146% | 5,841 |
| Net charge-offs to loans | 0.1093% | 5,062 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 5,007 |
| Efficiency ratio | 98.9648% | 1,230 |
| Assets per employee ($millions) | 2.7824% | 6,671 |
| Cash dividends to net income (ytd only)* | -37.5000% | 7,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 4,244 |
| Loan loss allowance to noncurrent loans | 51.6082% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.1855% | 1,972 |
| Noncurrent loans to loans | 2.5288% | 2,860 |
| Net loans and leases to total assets | 50.4965% | 6,829 |
| Net loans and leases to deposits | 56.2426% | 7,150 |
| Net loans and leases to core deposits | 70.0087% | 7,017 |
| Total domestic deposits to total assets | 89.7834% | 921 |
| Equity capital to assets | 8.5822% | 5,925 |
| Core capital (leverage) ratio | 11.8990% | 1,873 |
| Tier 1 risk-based capital ratio | 15.8561% | 2,675 |
| Total risk-based capital ratio | 16.7392% | 2,749 |
| Memoranda: | ||
| Average total assets | $53,178,670 | 6,694 |
| Average earning assets | $47,135,330 | 6,746 |
| Average equity | $4,555,670 | 7,224 |
| Average total loans | $25,617,670 | 6,989 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 5,492 |
| Cost of funding earning assets | 2.0970% | 3,666 |
| Net interest margin | 3.2893% | 5,529 |
| Noninterest income to average assets | 0.7125% | 2,811 |
| Noninterest expense to average assets | 3.5549% | 1,962 |
| Loan and lease loss provision to assets | 0.5250% | 2,372 |
| Net operating income to assets | -0.2700% | 6,649 |
| Return on assets (ROA) | -0.2700% | 6,723 |
| Pretax return on assets | -0.4500% | 6,782 |
| Return on Equity (ROE) | -3.1544% | 6,794 |
| Retained earnings to average equity (ytd only) | -3.1544% | 6,304 |
| Net charge-offs to loans | 0.2570% | 3,122 |
| Credit loss provision to net charge-offs | 437.5000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 4,490 |
| Efficiency ratio | 97.9339% | 1,224 |
| Assets per employee ($millions) | 2.9131% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 3,437 |
| Loan loss allowance to noncurrent loans | 47.9508% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 3.3031% | 1,657 |
| Noncurrent loans to loans | 2.9446% | 2,218 |
| Net loans and leases to total assets | 46.7389% | 7,129 |
| Net loans and leases to deposits | 52.1635% | 7,395 |
| Net loans and leases to core deposits | 65.2468% | 7,267 |
| Total domestic deposits to total assets | 89.6007% | 969 |
| Equity capital to assets | 8.7059% | 5,757 |
| Core capital (leverage) ratio | 12.0628% | 1,872 |
| Tier 1 risk-based capital ratio | 15.7161% | 2,783 |
| Total risk-based capital ratio | 16.5838% | 2,860 |
| Memoranda: | ||
| Average total assets | $53,335,500 | 6,730 |
| Average earning assets | $47,305,000 | 6,775 |
| Average equity | $4,565,000 | 7,267 |
| Average total loans | $24,902,500 | 7,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1844% | 4,593 |
| Cost of funding earning assets | 2.5742% | 3,825 |
| Net interest margin | 3.6101% | 4,836 |
| Noninterest income to average assets | 0.7908% | 2,571 |
| Noninterest expense to average assets | 3.6190% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2973% | 5,556 |
| Return on assets (ROA) | 0.2973% | 5,370 |
| Pretax return on assets | 0.3904% | 5,287 |
| Return on Equity (ROE) | 2.6931% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.7954% | 4,122 |
| Net charge-offs to loans | 0.7112% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.1796% | 5,534 |
| Efficiency ratio | 90.2620% | 1,496 |
| Assets per employee ($millions) | 2.8545% | 6,431 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 4,619 |
| Loan loss allowance to noncurrent loans | 86.0870% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.4154% | 2,010 |
| Noncurrent loans to loans | 1.3830% | 3,756 |
| Net loans and leases to total assets | 45.4485% | 7,376 |
| Net loans and leases to deposits | 50.6441% | 7,599 |
| Net loans and leases to core deposits | 62.4800% | 7,497 |
| Total domestic deposits to total assets | 89.7409% | 752 |
| Equity capital to assets | 8.4171% | 6,224 |
| Core capital (leverage) ratio | 11.8567% | 2,050 |
| Tier 1 risk-based capital ratio | 19.4110% | 1,728 |
| Total risk-based capital ratio | 20.3127% | 1,755 |
| Memoranda: | ||
| Average total assets | $50,456,000 | 6,755 |
| Average earning assets | $44,984,400 | 6,813 |
| Average equity | $5,569,800 | 6,959 |
| Average total loans | $23,482,200 | 7,107 |