Home > Eagle Rock Bank > Performance and Condition Ratios
Eagle Rock 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 | 5.6546% | 979 |
| Cost of funding earning assets | 2.0204% | 891 |
| Net interest margin | 3.6342% | 1,892 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.5530% | 2,145 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.7560% | 3,028 |
| Return on assets (ROA) | 0.7560% | 3,006 |
| Pretax return on assets | 0.8937% | 2,979 |
| Return on Equity (ROE) | 7.3300% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.8282% | 1,945 |
| Net charge-offs to loans | -0.0017% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.6093% | 1,927 |
| Assets per employee ($millions) | 8.9339% | 1,007 |
| Cash dividends to net income (ytd only)* | 6.8308% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,094 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.2000% | 742 |
| Net loans and leases to deposits | 104.2081% | 348 |
| Net loans and leases to core deposits | 108.5887% | 1,010 |
| Total domestic deposits to total assets | 76.0100% | 3,939 |
| Equity capital to assets | 10.1014% | 1,949 |
| Core capital (leverage) ratio | 11.1643% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3643% | 2,114 |
| Memoranda: | ||
| Average total assets | $214,961,000 | 2,874 |
| Average earning assets | $200,457,800 | 2,865 |
| Average equity | $22,172,600 | 2,678 |
| Average total loans | $174,673,600 | 2,492 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5454% | 963 |
| Cost of funding earning assets | 1.8977% | 863 |
| Net interest margin | 3.6477% | 1,890 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5988% | 1,947 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.7716% | 3,108 |
| Return on assets (ROA) | 0.7716% | 3,097 |
| Pretax return on assets | 0.8362% | 3,251 |
| Return on Equity (ROE) | 7.4400% | 3,325 |
| Retained earnings to average equity (ytd only) | 6.7515% | 2,374 |
| Net charge-offs to loans | -0.0016% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.8658% | 1,798 |
| Assets per employee ($millions) | 8.2293% | 1,241 |
| Cash dividends to net income (ytd only)* | 9.2040% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 3,182 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 82.3400% | 412 |
| Net loans and leases to deposits | 111.8205% | 171 |
| Net loans and leases to core deposits | 115.5807% | 680 |
| Total domestic deposits to total assets | 73.6400% | 4,182 |
| Equity capital to assets | 10.2013% | 1,705 |
| Core capital (leverage) ratio | 11.2584% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3237% | 2,149 |
| Memoranda: | ||
| Average total assets | $208,397,500 | 2,934 |
| Average earning assets | $194,968,000 | 2,918 |
| Average equity | $21,624,250 | 2,716 |
| Average total loans | $170,075,250 | 2,529 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 936 |
| Cost of funding earning assets | 1.7287% | 848 |
| Net interest margin | 3.6909% | 1,834 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.7465% | 1,535 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 0.8475% | 2,930 |
| Return on assets (ROA) | 0.8475% | 2,938 |
| Pretax return on assets | 0.7868% | 3,425 |
| Return on Equity (ROE) | 8.1200% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.0582% | 2,266 |
| Net charge-offs to loans | -0.0025% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1453% | 1,539 |
| Assets per employee ($millions) | 7.3994% | 1,664 |
| Cash dividends to net income (ytd only)* | 13.0282% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,261 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 80.6800% | 559 |
| Net loans and leases to deposits | 106.3289% | 296 |
| Net loans and leases to core deposits | 109.4450% | 849 |
| Total domestic deposits to total assets | 75.8800% | 4,053 |
| Equity capital to assets | 10.8909% | 1,432 |
| Core capital (leverage) ratio | 11.8469% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0543% | 1,872 |
| Memoranda: | ||
| Average total assets | $201,056,333 | 2,997 |
| Average earning assets | $187,542,667 | 2,977 |
| Average equity | $20,997,000 | 2,773 |
| Average total loans | $162,862,667 | 2,574 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 982 |
| Cost of funding earning assets | 1.4924% | 861 |
| Net interest margin | 3.6847% | 1,933 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.7731% | 1,500 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.0150% | 2,484 |
| Return on assets (ROA) | 1.0150% | 2,451 |
| Pretax return on assets | 0.5991% | 3,841 |
| Return on Equity (ROE) | 9.9500% | 2,798 |
| Retained earnings to average equity (ytd only) | 7.6929% | 2,316 |
| Net charge-offs to loans | -0.0051% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4039% | 1,142 |
| Assets per employee ($millions) | 6.9555% | 2,008 |
| Cash dividends to net income (ytd only)* | 22.7181% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,412 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.7300% | 569 |
| Net loans and leases to deposits | 99.1559% | 480 |
| Net loans and leases to core deposits | 101.6927% | 1,014 |
| Total domestic deposits to total assets | 80.4100% | 3,716 |
| Equity capital to assets | 9.9584% | 1,839 |
| Core capital (leverage) ratio | 11.0873% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2956% | 2,270 |
| Memoranda: | ||
| Average total assets | $194,293,000 | 3,071 |
| Average earning assets | $181,179,500 | 3,058 |
| Average equity | $19,810,500 | 2,912 |
| Average total loans | $156,821,500 | 2,649 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 486 |
| Cost of funding earning assets | 0.6739% | 659 |
| Net interest margin | 4.0571% | 719 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 3.0035% | 963 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.9068% | 2,934 |
| Return on assets (ROA) | 0.8926% | 2,927 |
| Pretax return on assets | 0.8926% | 3,380 |
| Return on Equity (ROE) | 7.8200% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.9085% | 2,279 |
| Net charge-offs to loans | 0.0092% | 2,034 |
| Credit loss provision to net charge-offs | 2,058.3333% | 257 |
| Earnings coverage of net charge-offs (x) | 142.5833% | 816 |
| Efficiency ratio | 73.9177% | 1,227 |
| Assets per employee ($millions) | 6.0283% | 2,740 |
| Cash dividends to net income (ytd only)* | 11.6586% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,155 |
| Loan loss allowance to noncurrent loans | 5,617.8571% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,712 |
| Noncurrent loans to loans | 0.0185% | 3,694 |
| Net loans and leases to total assets | 80.0400% | 587 |
| Net loans and leases to deposits | 104.5648% | 278 |
| Net loans and leases to core deposits | 108.8772% | 645 |
| Total domestic deposits to total assets | 76.5500% | 4,218 |
| Equity capital to assets | 10.4529% | 1,471 |
| Core capital (leverage) ratio | 11.5332% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9877% | 1,985 |
| Memoranda: | ||
| Average total assets | $161,446,000 | 3,333 |
| Average earning assets | $151,514,000 | 3,313 |
| Average equity | $18,426,600 | 3,084 |
| Average total loans | $130,116,200 | 2,826 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 454 |
| Cost of funding earning assets | 0.5168% | 692 |
| Net interest margin | 4.0459% | 585 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.7622% | 1,319 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.0712% | 2,201 |
| Return on assets (ROA) | 1.0514% | 2,246 |
| Pretax return on assets | 1.0514% | 2,872 |
| Return on Equity (ROE) | 8.9800% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.7501% | 2,100 |
| Net charge-offs to loans | 0.0096% | 1,768 |
| Credit loss provision to net charge-offs | 2,755.5556% | 190 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 707 |
| Efficiency ratio | 68.2600% | 1,982 |
| Assets per employee ($millions) | 5.6374% | 3,090 |
| Cash dividends to net income (ytd only)* | 13.7367% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,014 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 81.0500% | 441 |
| Net loans and leases to deposits | 107.4576% | 162 |
| Net loans and leases to core deposits | 111.0970% | 436 |
| Total domestic deposits to total assets | 75.4300% | 4,392 |
| Equity capital to assets | 10.7863% | 1,257 |
| Core capital (leverage) ratio | 12.2413% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9773% | 1,719 |
| Memoranda: | ||
| Average total assets | $155,088,250 | 3,418 |
| Average earning assets | $145,756,750 | 3,389 |
| Average equity | $18,149,750 | 3,152 |
| Average total loans | $124,856,500 | 2,881 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 584 |
| Cost of funding earning assets | 0.4280% | 767 |
| Net interest margin | 3.8077% | 743 |
| Noninterest income to average assets | 0.2572% | 3,631 |
| Noninterest expense to average assets | 2.6971% | 1,397 |
| Loan and lease loss provision to assets | 0.2114% | 381 |
| Net operating income to assets | 0.9304% | 2,445 |
| Return on assets (ROA) | 0.9278% | 2,433 |
| Pretax return on assets | 0.9278% | 2,973 |
| Return on Equity (ROE) | 7.6913% | 3,104 |
| Retained earnings to average equity (ytd only) | 5.8159% | 2,396 |
| Net charge-offs to loans | 0.0034% | 1,932 |
| Credit loss provision to net charge-offs | 7,850.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 299 |
| Efficiency ratio | 70.2561% | 1,922 |
| Assets per employee ($millions) | 5.1806% | 3,524 |
| Cash dividends to net income (ytd only)* | 24.3832% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.4625% | 372 |
| Net loans and leases to deposits | 108.3131% | 104 |
| Net loans and leases to core deposits | 112.0164% | 318 |
| Total domestic deposits to total assets | 74.2869% | 4,524 |
| Equity capital to assets | 12.2456% | 808 |
| Core capital (leverage) ratio | 13.4260% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7546% | 1,239 |
| Memoranda: | ||
| Average total assets | $148,531,333 | 3,515 |
| Average earning assets | $139,718,000 | 3,495 |
| Average equity | $17,916,333 | 3,245 |
| Average total loans | $118,736,000 | 2,961 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 743 |
| Cost of funding earning assets | 0.4170% | 789 |
| Net interest margin | 3.6029% | 888 |
| Noninterest income to average assets | 0.2564% | 3,607 |
| Noninterest expense to average assets | 2.6522% | 1,472 |
| Loan and lease loss provision to assets | 0.2068% | 350 |
| Net operating income to assets | 0.7802% | 2,724 |
| Return on assets (ROA) | 0.7802% | 2,720 |
| Pretax return on assets | 0.7802% | 3,170 |
| Return on Equity (ROE) | 6.5213% | 3,190 |
| Retained earnings to average equity (ytd only) | 2.6500% | 3,377 |
| Net charge-offs to loans | -0.0035% | 3,237 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8788% | 1,870 |
| Assets per employee ($millions) | 5.4697% | 3,337 |
| Cash dividends to net income (ytd only)* | 59.3640% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 79.6663% | 252 |
| Net loans and leases to deposits | 104.5312% | 110 |
| Net loans and leases to core deposits | 108.4660% | 291 |
| Total domestic deposits to total assets | 76.2129% | 4,490 |
| Equity capital to assets | 13.0301% | 683 |
| Core capital (leverage) ratio | 13.6775% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1824% | 1,219 |
| Memoranda: | ||
| Average total assets | $145,087,500 | 3,566 |
| Average earning assets | $136,223,000 | 3,547 |
| Average equity | $17,358,500 | 3,373 |
| Average total loans | $114,830,500 | 3,003 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 454 |
| Cost of funding earning assets | 0.5548% | 690 |
| Net interest margin | 4.1015% | 595 |
| Noninterest income to average assets | 0.4040% | 3,028 |
| Noninterest expense to average assets | 2.8172% | 1,319 |
| Loan and lease loss provision to assets | 0.1380% | 876 |
| Net operating income to assets | 1.2442% | 1,762 |
| Return on assets (ROA) | 1.2442% | 1,820 |
| Pretax return on assets | 1.2442% | 2,540 |
| Return on Equity (ROE) | 11.5853% | 1,954 |
| Retained earnings to average equity (ytd only) | 4.9271% | 2,809 |
| Net charge-offs to loans | 0.0075% | 2,299 |
| Credit loss provision to net charge-offs | 2,412.5000% | 273 |
| Earnings coverage of net charge-offs (x) | 241.6250% | 477 |
| Efficiency ratio | 67.0867% | 2,112 |
| Assets per employee ($millions) | 5.6998% | 3,052 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 76.6755% | 467 |
| Net loans and leases to deposits | 98.1600% | 246 |
| Net loans and leases to core deposits | 100.4902% | 518 |
| Total domestic deposits to total assets | 78.1128% | 4,382 |
| Equity capital to assets | 10.8594% | 1,894 |
| Core capital (leverage) ratio | 10.4433% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3127% | 2,120 |
| Memoranda: | ||
| Average total assets | $139,854,400 | 3,583 |
| Average earning assets | $129,416,600 | 3,584 |
| Average equity | $15,019,000 | 3,631 |
| Average total loans | $106,686,600 | 3,118 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 453 |
| Cost of funding earning assets | 0.5856% | 682 |
| Net interest margin | 4.1562% | 592 |
| Noninterest income to average assets | 0.4320% | 2,919 |
| Noninterest expense to average assets | 2.5949% | 1,851 |
| Loan and lease loss provision to assets | 0.1473% | 769 |
| Net operating income to assets | 1.5240% | 1,215 |
| Return on assets (ROA) | 1.5240% | 1,257 |
| Pretax return on assets | 1.5240% | 1,927 |
| Return on Equity (ROE) | 14.2318% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.2866% | 3,106 |
| Net charge-offs to loans | 0.0114% | 1,907 |
| Credit loss provision to net charge-offs | 1,711.1111% | 365 |
| Earnings coverage of net charge-offs (x) | 193.8889% | 568 |
| Efficiency ratio | 60.8217% | 2,859 |
| Assets per employee ($millions) | 5.6062% | 3,094 |
| Cash dividends to net income (ytd only)* | 62.8536% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.6966% | 809 |
| Net loans and leases to deposits | 95.9436% | 355 |
| Net loans and leases to core deposits | 98.2367% | 650 |
| Total domestic deposits to total assets | 75.7701% | 4,555 |
| Equity capital to assets | 10.5645% | 2,407 |
| Core capital (leverage) ratio | 10.3664% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9177% | 2,393 |
| Memoranda: | ||
| Average total assets | $139,194,500 | 3,632 |
| Average earning assets | $128,415,250 | 3,628 |
| Average equity | $14,905,250 | 3,694 |
| Average total loans | $105,709,250 | 3,171 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 495 |
| Cost of funding earning assets | 0.6266% | 649 |
| Net interest margin | 4.1321% | 657 |
| Noninterest income to average assets | 0.4409% | 2,896 |
| Noninterest expense to average assets | 2.6554% | 1,706 |
| Loan and lease loss provision to assets | 0.1679% | 693 |
| Net operating income to assets | 1.4875% | 1,325 |
| Return on assets (ROA) | 1.4875% | 1,385 |
| Pretax return on assets | 1.4875% | 2,056 |
| Return on Equity (ROE) | 13.8257% | 1,467 |
| Retained earnings to average equity (ytd only) | 0.2578% | 4,470 |
| Net charge-offs to loans | 0.0190% | 1,560 |
| Credit loss provision to net charge-offs | 1,150.0000% | 434 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 694 |
| Efficiency ratio | 61.5984% | 2,784 |
| Assets per employee ($millions) | 5.4280% | 3,213 |
| Cash dividends to net income (ytd only)* | 98.1354% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 3,119 |
| Loan loss allowance to noncurrent loans | 77.0833% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.1564% | 609 |
| Noncurrent loans to loans | 1.5102% | 749 |
| Net loans and leases to total assets | 75.6808% | 620 |
| Net loans and leases to deposits | 103.3540% | 194 |
| Net loans and leases to core deposits | 105.9962% | 470 |
| Total domestic deposits to total assets | 73.2248% | 4,682 |
| Equity capital to assets | 10.4927% | 2,396 |
| Core capital (leverage) ratio | 10.3747% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7237% | 2,467 |
| Memoranda: | ||
| Average total assets | $137,005,333 | 3,662 |
| Average earning assets | $128,313,667 | 3,645 |
| Average equity | $14,740,667 | 3,705 |
| Average total loans | $105,191,667 | 3,189 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 303 |
| Cost of funding earning assets | 0.6974% | 552 |
| Net interest margin | 4.4187% | 412 |
| Noninterest income to average assets | 0.4683% | 2,763 |
| Noninterest expense to average assets | 2.5611% | 1,989 |
| Loan and lease loss provision to assets | 0.0771% | 1,651 |
| Net operating income to assets | 1.9623% | 599 |
| Return on assets (ROA) | 1.9623% | 647 |
| Pretax return on assets | 1.9623% | 1,012 |
| Return on Equity (ROE) | 18.0050% | 727 |
| Retained earnings to average equity (ytd only) | -9.1929% | 4,803 |
| Net charge-offs to loans | -0.0540% | 4,423 |
| Credit loss provision to net charge-offs | -185.7143% | 2,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6701% | 3,578 |
| Assets per employee ($millions) | 5.7075% | 2,903 |
| Cash dividends to net income (ytd only)* | 151.0574% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,329 |
| Loan loss allowance to noncurrent loans | 73.3251% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1878% | 630 |
| Noncurrent loans to loans | 1.5299% | 810 |
| Net loans and leases to total assets | 76.7667% | 562 |
| Net loans and leases to deposits | 99.4157% | 306 |
| Net loans and leases to core deposits | 101.8954% | 632 |
| Total domestic deposits to total assets | 77.2178% | 4,502 |
| Equity capital to assets | 10.5256% | 2,249 |
| Core capital (leverage) ratio | 10.2098% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5724% | 2,056 |
| Memoranda: | ||
| Average total assets | $134,944,500 | 3,690 |
| Average earning assets | $126,192,000 | 3,670 |
| Average equity | $14,707,000 | 3,716 |
| Average total loans | $103,755,500 | 3,213 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 429 |
| Cost of funding earning assets | 0.9184% | 811 |
| Net interest margin | 4.1648% | 697 |
| Noninterest income to average assets | 0.4437% | 2,900 |
| Noninterest expense to average assets | 2.7555% | 2,052 |
| Loan and lease loss provision to assets | 0.1852% | 2,097 |
| Net operating income to assets | 1.3383% | 1,152 |
| Return on assets (ROA) | 1.3383% | 1,250 |
| Pretax return on assets | 1.3383% | 1,858 |
| Return on Equity (ROE) | 12.0250% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.0250% | 309 |
| Net charge-offs to loans | 0.0834% | 1,631 |
| Credit loss provision to net charge-offs | 290.1235% | 1,773 |
| Earnings coverage of net charge-offs (x) | 23.8642% | 1,793 |
| Efficiency ratio | 64.3949% | 2,753 |
| Assets per employee ($millions) | 5.5379% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,255 |
| Loan loss allowance to noncurrent loans | 773.8255% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 3,733 |
| Noncurrent loans to loans | 0.1473% | 3,696 |
| Net loans and leases to total assets | 75.2470% | 874 |
| Net loans and leases to deposits | 99.3888% | 399 |
| Net loans and leases to core deposits | 102.2712% | 799 |
| Total domestic deposits to total assets | 75.7097% | 4,526 |
| Equity capital to assets | 11.2829% | 2,031 |
| Core capital (leverage) ratio | 10.6382% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1282% | 1,814 |
| Memoranda: | ||
| Average total assets | $126,873,800 | 3,670 |
| Average earning assets | $116,836,000 | 3,666 |
| Average equity | $14,120,600 | 3,744 |
| Average total loans | $97,171,200 | 3,275 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 263 |
| Cost of funding earning assets | 0.9821% | 808 |
| Net interest margin | 4.4540% | 427 |
| Noninterest income to average assets | 0.3680% | 3,255 |
| Noninterest expense to average assets | 2.7290% | 2,174 |
| Loan and lease loss provision to assets | 0.2289% | 1,772 |
| Net operating income to assets | 1.5006% | 906 |
| Return on assets (ROA) | 1.5006% | 986 |
| Pretax return on assets | 1.5006% | 1,448 |
| Return on Equity (ROE) | 13.5327% | 969 |
| Retained earnings to average equity (ytd only) | 13.5327% | 280 |
| Net charge-offs to loans | 0.1123% | 1,225 |
| Credit loss provision to net charge-offs | 265.4321% | 1,875 |
| Earnings coverage of net charge-offs (x) | 20.0741% | 1,917 |
| Efficiency ratio | 61.2118% | 3,191 |
| Assets per employee ($millions) | 5.0635% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,193 |
| Loan loss allowance to noncurrent loans | 760.4027% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 3,867 |
| Noncurrent loans to loans | 0.1451% | 3,803 |
| Net loans and leases to total assets | 77.1291% | 942 |
| Net loans and leases to deposits | 101.9539% | 457 |
| Net loans and leases to core deposits | 106.0735% | 844 |
| Total domestic deposits to total assets | 75.6510% | 4,455 |
| Equity capital to assets | 11.1536% | 2,279 |
| Core capital (leverage) ratio | 10.5759% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1054% | 1,794 |
| Memoranda: | ||
| Average total assets | $125,365,000 | 3,677 |
| Average earning assets | $115,129,500 | 3,676 |
| Average equity | $13,901,750 | 3,771 |
| Average total loans | $96,173,250 | 3,300 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 153 |
| Cost of funding earning assets | 1.0427% | 861 |
| Net interest margin | 4.9105% | 234 |
| Noninterest income to average assets | 0.4348% | 2,879 |
| Noninterest expense to average assets | 2.8361% | 2,007 |
| Loan and lease loss provision to assets | 0.3002% | 1,435 |
| Net operating income to assets | 1.8220% | 479 |
| Return on assets (ROA) | 1.8220% | 529 |
| Pretax return on assets | 1.8220% | 778 |
| Return on Equity (ROE) | 16.4651% | 492 |
| Retained earnings to average equity (ytd only) | 16.4651% | 154 |
| Net charge-offs to loans | -0.0191% | 4,391 |
| Credit loss provision to net charge-offs | -2,055.5556% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1990% | 3,787 |
| Assets per employee ($millions) | 5.0856% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 2,790 |
| Loan loss allowance to noncurrent loans | 497.5000% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 3,622 |
| Noncurrent loans to loans | 0.2306% | 3,549 |
| Net loans and leases to total assets | 77.7948% | 873 |
| Net loans and leases to deposits | 102.4695% | 435 |
| Net loans and leases to core deposits | 105.4961% | 910 |
| Total domestic deposits to total assets | 75.9200% | 4,436 |
| Equity capital to assets | 10.8852% | 2,434 |
| Core capital (leverage) ratio | 10.4565% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0834% | 1,776 |
| Memoranda: | ||
| Average total assets | $123,269,333 | 3,684 |
| Average earning assets | $113,553,667 | 3,681 |
| Average equity | $13,641,000 | 3,811 |
| Average total loans | $94,006,000 | 3,334 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 826 |
| Cost of funding earning assets | 1.1634% | 866 |
| Net interest margin | 3.9196% | 1,610 |
| Noninterest income to average assets | 0.3300% | 3,552 |
| Noninterest expense to average assets | 2.8891% | 2,153 |
| Loan and lease loss provision to assets | 0.4377% | 692 |
| Net operating income to assets | 0.5994% | 3,594 |
| Return on assets (ROA) | 0.5994% | 3,655 |
| Pretax return on assets | 0.5994% | 3,919 |
| Return on Equity (ROE) | 5.3675% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.3675% | 2,133 |
| Net charge-offs to loans | -0.0090% | 4,037 |
| Credit loss provision to net charge-offs | -6,500.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 1,875 |
| Assets per employee ($millions) | 5.0363% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 72.7128% | 1,819 |
| Net loans and leases to deposits | 97.6512% | 763 |
| Net loans and leases to core deposits | 101.4721% | 1,363 |
| Total domestic deposits to total assets | 74.4618% | 4,625 |
| Equity capital to assets | 11.0871% | 2,788 |
| Core capital (leverage) ratio | 11.0003% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7152% | 2,383 |
| Memoranda: | ||
| Average total assets | $118,791,000 | 3,721 |
| Average earning assets | $108,990,000 | 3,726 |
| Average equity | $13,265,000 | 3,856 |
| Average total loans | $88,979,500 | 3,417 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 754 |
| Cost of funding earning assets | 1.2504% | 885 |
| Net interest margin | 4.0949% | 1,557 |
| Noninterest income to average assets | 0.3865% | 3,375 |
| Noninterest expense to average assets | 2.9313% | 2,205 |
| Loan and lease loss provision to assets | 0.0548% | 2,932 |
| Net operating income to assets | 1.2067% | 2,034 |
| Return on assets (ROA) | 1.2077% | 2,118 |
| Pretax return on assets | 1.2077% | 2,814 |
| Return on Equity (ROE) | 10.4506% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.4506% | 409 |
| Net charge-offs to loans | 0.0468% | 2,451 |
| Credit loss provision to net charge-offs | 145.0000% | 1,771 |
| Earnings coverage of net charge-offs (x) | 33.3750% | 1,474 |
| Efficiency ratio | 69.9121% | 2,182 |
| Assets per employee ($millions) | 5.3051% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 2,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.3470% | 1,531 |
| Net loans and leases to deposits | 99.8887% | 613 |
| Net loans and leases to core deposits | 103.8646% | 1,238 |
| Total domestic deposits to total assets | 75.4310% | 4,663 |
| Equity capital to assets | 11.2491% | 2,762 |
| Core capital (leverage) ratio | 10.7385% | 2,727 |
| Tier 1 risk-based capital ratio | 12.5139% | 4,062 |
| Total risk-based capital ratio | 13.5126% | 4,079 |
| Memoranda: | ||
| Average total assets | $105,824,200 | 3,902 |
| Average earning assets | $98,366,200 | 3,901 |
| Average equity | $12,229,000 | 3,969 |
| Average total loans | $85,517,800 | 3,489 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 733 |
| Cost of funding earning assets | 1.2359% | 942 |
| Net interest margin | 4.1429% | 1,518 |
| Noninterest income to average assets | 0.4009% | 3,315 |
| Noninterest expense to average assets | 2.9355% | 2,144 |
| Loan and lease loss provision to assets | 0.0647% | 2,599 |
| Net operating income to assets | 1.2673% | 1,960 |
| Return on assets (ROA) | 1.2686% | 2,032 |
| Pretax return on assets | 1.2686% | 2,757 |
| Return on Equity (ROE) | 10.8961% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.8961% | 549 |
| Net charge-offs to loans | 0.0646% | 1,896 |
| Credit loss provision to net charge-offs | 121.9512% | 1,932 |
| Earnings coverage of net charge-offs (x) | 25.1198% | 1,774 |
| Efficiency ratio | 68.7879% | 2,289 |
| Assets per employee ($millions) | 5.2091% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.6754% | 1,193 |
| Net loans and leases to deposits | 101.9843% | 507 |
| Net loans and leases to core deposits | 108.6462% | 1,012 |
| Total domestic deposits to total assets | 76.1640% | 4,634 |
| Equity capital to assets | 11.1963% | 2,932 |
| Core capital (leverage) ratio | 11.1908% | 2,476 |
| Tier 1 risk-based capital ratio | 12.4086% | 4,196 |
| Total risk-based capital ratio | 13.4129% | 4,219 |
| Memoranda: | ||
| Average total assets | $103,102,250 | 3,996 |
| Average earning assets | $96,227,500 | 3,981 |
| Average equity | $12,004,000 | 4,036 |
| Average total loans | $84,662,500 | 3,553 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4275% | 648 |
| Cost of funding earning assets | 1.1834% | 1,035 |
| Net interest margin | 4.2441% | 1,255 |
| Noninterest income to average assets | 0.4090% | 3,221 |
| Noninterest expense to average assets | 3.1047% | 1,718 |
| Loan and lease loss provision to assets | 0.0806% | 2,221 |
| Net operating income to assets | 1.1907% | 2,181 |
| Return on assets (ROA) | 1.1927% | 2,236 |
| Pretax return on assets | 1.1927% | 2,927 |
| Return on Equity (ROE) | 10.0952% | 2,348 |
| Retained earnings to average equity (ytd only) | 10.0952% | 727 |
| Net charge-offs to loans | 0.1351% | 1,118 |
| Credit loss provision to net charge-offs | 71.4286% | 2,311 |
| Earnings coverage of net charge-offs (x) | 11.2679% | 2,213 |
| Efficiency ratio | 70.9484% | 2,077 |
| Assets per employee ($millions) | 4.4955% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 2,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.5527% | 533 |
| Net loans and leases to deposits | 113.0496% | 163 |
| Net loans and leases to core deposits | 118.8336% | 580 |
| Total domestic deposits to total assets | 73.0234% | 4,906 |
| Equity capital to assets | 12.0265% | 2,162 |
| Core capital (leverage) ratio | 11.7653% | 1,974 |
| Tier 1 risk-based capital ratio | 12.8277% | 3,927 |
| Total risk-based capital ratio | 13.8729% | 3,951 |
| Memoranda: | ||
| Average total assets | $99,269,670 | 4,083 |
| Average earning assets | $92,787,000 | 4,061 |
| Average equity | $11,728,330 | 4,083 |
| Average total loans | $82,881,330 | 3,597 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4536% | 565 |
| Cost of funding earning assets | 1.1013% | 1,180 |
| Net interest margin | 4.3523% | 1,003 |
| Noninterest income to average assets | 0.3169% | 3,738 |
| Noninterest expense to average assets | 3.0780% | 1,782 |
| Loan and lease loss provision to assets | 0.0411% | 2,805 |
| Net operating income to assets | 1.2633% | 1,836 |
| Return on assets (ROA) | 1.2633% | 1,886 |
| Pretax return on assets | 1.2633% | 2,587 |
| Return on Equity (ROE) | 10.7956% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.7956% | 849 |
| Net charge-offs to loans | 0.2809% | 529 |
| Credit loss provision to net charge-offs | 17.5439% | 2,150 |
| Earnings coverage of net charge-offs (x) | 5.5614% | 2,255 |
| Efficiency ratio | 70.2347% | 2,300 |
| Assets per employee ($millions) | 4.6301% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.1424% | 452 |
| Net loans and leases to deposits | 116.5427% | 123 |
| Net loans and leases to core deposits | 120.3081% | 519 |
| Total domestic deposits to total assets | 71.3407% | 5,067 |
| Equity capital to assets | 12.4589% | 1,757 |
| Core capital (leverage) ratio | 11.9102% | 1,821 |
| Tier 1 risk-based capital ratio | 13.0404% | 3,859 |
| Total risk-based capital ratio | 14.0941% | 3,855 |
| Memoranda: | ||
| Average total assets | $97,206,000 | 4,146 |
| Average earning assets | $90,802,500 | 4,131 |
| Average equity | $11,375,000 | 4,146 |
| Average total loans | $81,161,000 | 3,669 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 461 |
| Cost of funding earning assets | 0.9658% | 858 |
| Net interest margin | 4.4634% | 821 |
| Noninterest income to average assets | 0.3148% | 4,013 |
| Noninterest expense to average assets | 3.0787% | 1,853 |
| Loan and lease loss provision to assets | 0.0445% | 3,295 |
| Net operating income to assets | 1.2936% | 1,831 |
| Return on assets (ROA) | 1.2936% | 1,815 |
| Pretax return on assets | 1.2936% | 2,525 |
| Return on Equity (ROE) | 11.6082% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.6082% | 362 |
| Net charge-offs to loans | -0.0639% | 5,041 |
| Credit loss provision to net charge-offs | -85.1064% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7054% | 2,238 |
| Assets per employee ($millions) | 4.4173% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,478 |
| Loan loss allowance to noncurrent loans | 473.9130% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,755 |
| Noncurrent loans to loans | 0.2570% | 3,658 |
| Net loans and leases to total assets | 81.8749% | 669 |
| Net loans and leases to deposits | 107.4621% | 323 |
| Net loans and leases to core deposits | 113.0488% | 830 |
| Total domestic deposits to total assets | 76.1895% | 4,732 |
| Equity capital to assets | 10.9446% | 2,740 |
| Core capital (leverage) ratio | 10.5162% | 3,010 |
| Tier 1 risk-based capital ratio | 11.9141% | 4,485 |
| Total risk-based capital ratio | 13.0654% | 4,434 |
| Memoranda: | ||
| Average total assets | $89,907,200 | 4,272 |
| Average earning assets | $82,626,800 | 4,269 |
| Average equity | $10,018,800 | 4,293 |
| Average total loans | $73,518,600 | 3,797 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 437 |
| Cost of funding earning assets | 0.9208% | 839 |
| Net interest margin | 4.4898% | 758 |
| Noninterest income to average assets | 0.2876% | 4,234 |
| Noninterest expense to average assets | 3.1437% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2548% | 2,026 |
| Return on assets (ROA) | 1.2548% | 2,033 |
| Pretax return on assets | 1.2548% | 2,793 |
| Return on Equity (ROE) | 11.2049% | 2,089 |
| Retained earnings to average equity (ytd only) | 11.2049% | 605 |
| Net charge-offs to loans | -0.0855% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4728% | 1,965 |
| Assets per employee ($millions) | 4.4752% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,325 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.4865% | 797 |
| Net loans and leases to deposits | 108.4102% | 338 |
| Net loans and leases to core deposits | 114.2523% | 800 |
| Total domestic deposits to total assets | 75.1649% | 4,867 |
| Equity capital to assets | 10.9353% | 2,718 |
| Core capital (leverage) ratio | 10.8462% | 2,737 |
| Tier 1 risk-based capital ratio | 11.9838% | 4,514 |
| Total risk-based capital ratio | 13.1312% | 4,445 |
| Memoranda: | ||
| Average total assets | $88,089,000 | 4,346 |
| Average earning assets | $80,654,500 | 4,354 |
| Average equity | $9,864,500 | 4,360 |
| Average total loans | $71,761,500 | 3,870 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4984% | 318 |
| Cost of funding earning assets | 0.8580% | 886 |
| Net interest margin | 4.6404% | 506 |
| Noninterest income to average assets | 0.2508% | 4,510 |
| Noninterest expense to average assets | 3.2906% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2052% | 2,175 |
| Return on assets (ROA) | 1.2052% | 2,176 |
| Pretax return on assets | 1.2052% | 2,922 |
| Return on Equity (ROE) | 10.6713% | 2,242 |
| Retained earnings to average equity (ytd only) | 10.6713% | 746 |
| Net charge-offs to loans | -0.0859% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1921% | 1,820 |
| Assets per employee ($millions) | 4.6643% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 4,310 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.6497% | 633 |
| Net loans and leases to deposits | 113.6251% | 203 |
| Net loans and leases to core deposits | 118.8869% | 596 |
| Total domestic deposits to total assets | 72.7390% | 5,134 |
| Equity capital to assets | 11.2772% | 2,381 |
| Core capital (leverage) ratio | 10.9715% | 2,553 |
| Tier 1 risk-based capital ratio | 12.1126% | 4,430 |
| Total risk-based capital ratio | 13.2897% | 4,344 |
| Memoranda: | ||
| Average total assets | $86,125,330 | 4,412 |
| Average earning assets | $78,786,330 | 4,425 |
| Average equity | $9,727,000 | 4,420 |
| Average total loans | $69,841,670 | 3,940 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 881 |
| Cost of funding earning assets | 0.8172% | 890 |
| Net interest margin | 4.0756% | 1,499 |
| Noninterest income to average assets | 0.2168% | 4,708 |
| Noninterest expense to average assets | 3.1669% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7635% | 3,859 |
| Return on assets (ROA) | 0.7635% | 3,858 |
| Pretax return on assets | 0.7635% | 4,245 |
| Return on Equity (ROE) | 6.7546% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.7546% | 2,384 |
| Net charge-offs to loans | -0.0177% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5755% | 1,081 |
| Assets per employee ($millions) | 4.5852% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 4,394 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.5759% | 1,612 |
| Net loans and leases to deposits | 97.6840% | 891 |
| Net loans and leases to core deposits | 101.2954% | 1,589 |
| Total domestic deposits to total assets | 77.3677% | 4,820 |
| Equity capital to assets | 11.0722% | 2,510 |
| Core capital (leverage) ratio | 10.9781% | 2,460 |
| Tier 1 risk-based capital ratio | 12.5735% | 4,195 |
| Total risk-based capital ratio | 13.8060% | 4,110 |
| Memoranda: | ||
| Average total assets | $84,877,500 | 4,477 |
| Average earning assets | $77,338,500 | 4,503 |
| Average equity | $9,593,500 | 4,485 |
| Average total loans | $67,678,000 | 4,018 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 408 |
| Cost of funding earning assets | 0.6997% | 1,020 |
| Net interest margin | 4.5396% | 565 |
| Noninterest income to average assets | 0.3583% | 3,906 |
| Noninterest expense to average assets | 3.2067% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2992% | 1,222 |
| Return on assets (ROA) | 1.3030% | 1,229 |
| Pretax return on assets | 1.3030% | 2,335 |
| Return on Equity (ROE) | 11.7299% | 1,282 |
| Retained earnings to average equity (ytd only) | 11.7299% | 194 |
| Net charge-offs to loans | -0.1173% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1670% | 2,363 |
| Assets per employee ($millions) | 4.5909% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 2,205 |
| Loan loss allowance to noncurrent loans | 745.0000% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,418 |
| Noncurrent loans to loans | 0.1749% | 4,222 |
| Net loans and leases to total assets | 81.9546% | 688 |
| Net loans and leases to deposits | 107.8906% | 327 |
| Net loans and leases to core deposits | 111.5404% | 921 |
| Total domestic deposits to total assets | 75.9608% | 4,982 |
| Equity capital to assets | 11.5458% | 2,163 |
| Core capital (leverage) ratio | 11.0739% | 2,263 |
| Tier 1 risk-based capital ratio | 12.4408% | 4,241 |
| Total risk-based capital ratio | 13.6781% | 4,151 |
| Memoranda: | ||
| Average total assets | $77,588,600 | 4,635 |
| Average earning assets | $70,888,000 | 4,649 |
| Average equity | $8,619,000 | 4,682 |
| Average total loans | $63,952,800 | 4,098 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 435 |
| Cost of funding earning assets | 0.6720% | 1,112 |
| Net interest margin | 4.5071% | 594 |
| Noninterest income to average assets | 0.3668% | 3,901 |
| Noninterest expense to average assets | 3.2229% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2560% | 1,490 |
| Return on assets (ROA) | 1.2560% | 1,515 |
| Pretax return on assets | 1.2560% | 2,681 |
| Return on Equity (ROE) | 11.4280% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.4280% | 351 |
| Net charge-offs to loans | -0.1550% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9579% | 2,211 |
| Assets per employee ($millions) | 4.7587% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 82.2678% | 637 |
| Net loans and leases to deposits | 107.5952% | 352 |
| Net loans and leases to core deposits | 111.2871% | 960 |
| Total domestic deposits to total assets | 76.4605% | 4,961 |
| Equity capital to assets | 11.4824% | 2,396 |
| Core capital (leverage) ratio | 10.9466% | 2,509 |
| Tier 1 risk-based capital ratio | 12.4453% | 4,355 |
| Total risk-based capital ratio | 13.6961% | 4,260 |
| Memoranda: | ||
| Average total assets | $76,326,750 | 4,706 |
| Average earning assets | $69,637,000 | 4,725 |
| Average equity | $8,388,500 | 4,769 |
| Average total loans | $62,786,500 | 4,161 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 415 |
| Cost of funding earning assets | 0.6468% | 1,161 |
| Net interest margin | 4.5276% | 536 |
| Noninterest income to average assets | 0.3529% | 4,034 |
| Noninterest expense to average assets | 3.3074% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1631% | 1,723 |
| Return on assets (ROA) | 1.1631% | 1,765 |
| Pretax return on assets | 1.1631% | 2,917 |
| Return on Equity (ROE) | 10.7562% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.7562% | 475 |
| Net charge-offs to loans | -0.1208% | 5,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9833% | 2,019 |
| Assets per employee ($millions) | 4.2492% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 2,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.5805% | 869 |
| Net loans and leases to deposits | 101.1289% | 667 |
| Net loans and leases to core deposits | 104.2067% | 1,337 |
| Total domestic deposits to total assets | 79.6810% | 4,486 |
| Equity capital to assets | 11.7775% | 2,091 |
| Core capital (leverage) ratio | 11.2725% | 2,154 |
| Tier 1 risk-based capital ratio | 14.1072% | 3,371 |
| Total risk-based capital ratio | 15.3617% | 3,279 |
| Memoranda: | ||
| Average total assets | $74,803,000 | 4,769 |
| Average earning assets | $68,026,670 | 4,785 |
| Average equity | $8,088,330 | 4,844 |
| Average total loans | $61,233,670 | 4,232 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 595 |
| Cost of funding earning assets | 0.6296% | 1,190 |
| Net interest margin | 4.2946% | 796 |
| Noninterest income to average assets | 0.3786% | 3,819 |
| Noninterest expense to average assets | 3.3314% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9572% | 2,493 |
| Return on assets (ROA) | 0.9572% | 2,551 |
| Pretax return on assets | 0.9572% | 3,553 |
| Return on Equity (ROE) | 9.2810% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.2810% | 988 |
| Net charge-offs to loans | -0.0726% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6797% | 1,675 |
| Assets per employee ($millions) | 4.2013% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.8662% | 1,000 |
| Net loans and leases to deposits | 96.4581% | 900 |
| Net loans and leases to core deposits | 98.8563% | 1,595 |
| Total domestic deposits to total assets | 81.7622% | 4,228 |
| Equity capital to assets | 10.2231% | 3,489 |
| Core capital (leverage) ratio | 9.7810% | 3,773 |
| Tier 1 risk-based capital ratio | 12.1803% | 4,597 |
| Total risk-based capital ratio | 13.4317% | 4,495 |
| Memoranda: | ||
| Average total assets | $73,962,000 | 4,831 |
| Average earning assets | $67,341,000 | 4,845 |
| Average equity | $7,628,500 | 4,952 |
| Average total loans | $60,606,500 | 4,285 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 443 |
| Cost of funding earning assets | 0.5715% | 1,533 |
| Net interest margin | 4.5902% | 519 |
| Noninterest income to average assets | 0.4981% | 3,250 |
| Noninterest expense to average assets | 3.5959% | 1,023 |
| Loan and lease loss provision to assets | 0.0242% | 3,875 |
| Net operating income to assets | 1.1098% | 1,861 |
| Return on assets (ROA) | 1.1249% | 1,882 |
| Pretax return on assets | 1.1249% | 2,996 |
| Return on Equity (ROE) | 10.3295% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.3295% | 368 |
| Net charge-offs to loans | -0.2454% | 5,774 |
| Credit loss provision to net charge-offs | -12.2137% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0243% | 1,978 |
| Assets per employee ($millions) | 4.0167% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.8799% | 494 |
| Net loans and leases to deposits | 102.3153% | 515 |
| Net loans and leases to core deposits | 105.0046% | 1,206 |
| Total domestic deposits to total assets | 81.0044% | 4,330 |
| Equity capital to assets | 10.4093% | 3,258 |
| Core capital (leverage) ratio | 9.8444% | 3,694 |
| Tier 1 risk-based capital ratio | 12.1479% | 4,621 |
| Total risk-based capital ratio | 13.3997% | 4,497 |
| Memoranda: | ||
| Average total assets | $66,047,400 | 5,011 |
| Average earning assets | $60,890,800 | 4,998 |
| Average equity | $7,193,000 | 5,060 |
| Average total loans | $53,376,400 | 4,476 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 449 |
| Cost of funding earning assets | 0.5532% | 1,663 |
| Net interest margin | 4.6066% | 504 |
| Noninterest income to average assets | 0.5707% | 2,808 |
| Noninterest expense to average assets | 3.6163% | 974 |
| Loan and lease loss provision to assets | 0.0331% | 3,570 |
| Net operating income to assets | 1.1744% | 1,719 |
| Return on assets (ROA) | 1.1951% | 1,751 |
| Pretax return on assets | 1.1951% | 2,857 |
| Return on Equity (ROE) | 10.8393% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.8393% | 444 |
| Net charge-offs to loans | -0.3053% | 5,841 |
| Credit loss provision to net charge-offs | -13.5593% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9679% | 2,114 |
| Assets per employee ($millions) | 4.4088% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.4057% | 832 |
| Net loans and leases to deposits | 100.3503% | 688 |
| Net loans and leases to core deposits | 103.0861% | 1,410 |
| Total domestic deposits to total assets | 80.1250% | 4,485 |
| Equity capital to assets | 10.5627% | 3,496 |
| Core capital (leverage) ratio | 10.2696% | 3,258 |
| Tier 1 risk-based capital ratio | 12.3007% | 4,609 |
| Total risk-based capital ratio | 13.5539% | 4,507 |
| Memoranda: | ||
| Average total assets | $64,484,000 | 5,087 |
| Average earning assets | $59,535,750 | 5,077 |
| Average equity | $7,109,750 | 5,121 |
| Average total loans | $51,535,000 | 4,569 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 472 |
| Cost of funding earning assets | 0.5363% | 1,810 |
| Net interest margin | 4.5896% | 520 |
| Noninterest income to average assets | 0.6724% | 2,262 |
| Noninterest expense to average assets | 3.8261% | 746 |
| Loan and lease loss provision to assets | 0.0512% | 3,123 |
| Net operating income to assets | 1.0694% | 2,088 |
| Return on assets (ROA) | 1.1014% | 2,078 |
| Pretax return on assets | 1.1014% | 3,192 |
| Return on Equity (ROE) | 9.8342% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.8342% | 634 |
| Net charge-offs to loans | -0.1534% | 5,747 |
| Credit loss provision to net charge-offs | -42.1053% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3463% | 1,877 |
| Assets per employee ($millions) | 3.5864% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 2,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.6728% | 1,116 |
| Net loans and leases to deposits | 95.3568% | 1,153 |
| Net loans and leases to core deposits | 98.1202% | 1,798 |
| Total domestic deposits to total assets | 82.5036% | 3,840 |
| Equity capital to assets | 11.1717% | 2,877 |
| Core capital (leverage) ratio | 10.5500% | 2,914 |
| Tier 1 risk-based capital ratio | 13.6768% | 3,780 |
| Total risk-based capital ratio | 14.9306% | 3,708 |
| Memoranda: | ||
| Average total assets | $62,465,000 | 5,188 |
| Average earning assets | $58,175,000 | 5,165 |
| Average equity | $6,996,000 | 5,195 |
| Average total loans | $49,538,330 | 4,663 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 651 |
| Cost of funding earning assets | 0.5259% | 1,905 |
| Net interest margin | 4.4149% | 714 |
| Noninterest income to average assets | 0.4754% | 3,308 |
| Noninterest expense to average assets | 3.8815% | 702 |
| Loan and lease loss provision to assets | 0.1042% | 1,967 |
| Net operating income to assets | 0.6447% | 4,002 |
| Return on assets (ROA) | 0.6447% | 4,123 |
| Pretax return on assets | 0.6447% | 4,690 |
| Return on Equity (ROE) | 5.7491% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.7491% | 2,499 |
| Net charge-offs to loans | -0.1730% | 5,810 |
| Credit loss provision to net charge-offs | -76.1905% | 4,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8256% | 1,174 |
| Assets per employee ($millions) | 3.9838% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 2,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 3,981 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.6150% | 1,010 |
| Net loans and leases to deposits | 93.2991% | 1,204 |
| Net loans and leases to core deposits | 95.9796% | 1,798 |
| Total domestic deposits to total assets | 84.2613% | 3,419 |
| Equity capital to assets | 10.9082% | 3,036 |
| Core capital (leverage) ratio | 10.4615% | 3,011 |
| Tier 1 risk-based capital ratio | 13.9196% | 3,739 |
| Total risk-based capital ratio | 15.1724% | 3,673 |
| Memoranda: | ||
| Average total assets | $61,419,500 | 5,259 |
| Average earning assets | $57,804,000 | 5,222 |
| Average equity | $6,888,000 | 5,249 |
| Average total loans | $48,550,500 | 4,718 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 522 |
| Cost of funding earning assets | 0.5098% | 2,073 |
| Net interest margin | 4.5843% | 563 |
| Noninterest income to average assets | 0.5341% | 3,115 |
| Noninterest expense to average assets | 4.1263% | 584 |
| Loan and lease loss provision to assets | 0.0322% | 3,720 |
| Net operating income to assets | 0.6323% | 4,126 |
| Return on assets (ROA) | 0.6323% | 4,217 |
| Pretax return on assets | 0.6323% | 4,738 |
| Return on Equity (ROE) | 5.7879% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.7879% | 1,903 |
| Net charge-offs to loans | -0.2356% | 5,979 |
| Credit loss provision to net charge-offs | -17.4757% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1298% | 983 |
| Assets per employee ($millions) | 3.4764% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 2,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 3,602 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.1769% | 1,228 |
| Net loans and leases to deposits | 90.8584% | 1,521 |
| Net loans and leases to core deposits | 93.6570% | 2,077 |
| Total domestic deposits to total assets | 84.9420% | 3,119 |
| Equity capital to assets | 11.5452% | 2,321 |
| Core capital (leverage) ratio | 10.7409% | 2,668 |
| Tier 1 risk-based capital ratio | 15.2618% | 3,051 |
| Total risk-based capital ratio | 16.5177% | 2,986 |
| Memoranda: | ||
| Average total assets | $55,982,200 | 5,406 |
| Average earning assets | $51,981,600 | 5,391 |
| Average equity | $6,116,200 | 5,413 |
| Average total loans | $43,717,200 | 4,867 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 481 |
| Cost of funding earning assets | 0.5164% | 2,072 |
| Net interest margin | 4.6217% | 525 |
| Noninterest income to average assets | 0.5362% | 3,128 |
| Noninterest expense to average assets | 4.1446% | 565 |
| Loan and lease loss provision to assets | 0.0145% | 3,979 |
| Net operating income to assets | 0.6570% | 4,094 |
| Return on assets (ROA) | 0.6570% | 4,210 |
| Pretax return on assets | 0.6570% | 4,812 |
| Return on Equity (ROE) | 6.1059% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.1059% | 2,180 |
| Net charge-offs to loans | -0.2910% | 6,078 |
| Credit loss provision to net charge-offs | -6.3830% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0582% | 1,001 |
| Assets per employee ($millions) | 3.8584% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 2,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 2,823 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.1632% | 1,230 |
| Net loans and leases to deposits | 89.8011% | 1,677 |
| Net loans and leases to core deposits | 92.5940% | 2,206 |
| Total domestic deposits to total assets | 85.9268% | 2,568 |
| Equity capital to assets | 10.5000% | 3,606 |
| Core capital (leverage) ratio | 9.7279% | 4,000 |
| Tier 1 risk-based capital ratio | 13.1528% | 4,344 |
| Total risk-based capital ratio | 14.4022% | 4,266 |
| Memoranda: | ||
| Average total assets | $55,203,250 | 5,501 |
| Average earning assets | $51,120,000 | 5,483 |
| Average equity | $5,939,500 | 5,513 |
| Average total loans | $43,076,000 | 4,943 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 413 |
| Cost of funding earning assets | 0.5238% | 2,039 |
| Net interest margin | 4.7020% | 445 |
| Noninterest income to average assets | 0.5450% | 3,074 |
| Noninterest expense to average assets | 4.2237% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6518% | 4,116 |
| Return on assets (ROA) | 0.6518% | 4,228 |
| Pretax return on assets | 0.6518% | 4,816 |
| Return on Equity (ROE) | 6.0064% | 4,126 |
| Retained earnings to average equity (ytd only) | 6.0064% | 2,242 |
| Net charge-offs to loans | -0.4158% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6314% | 1,008 |
| Assets per employee ($millions) | 3.3773% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 2,258 |
| Loan loss allowance to noncurrent loans | 229.8561% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 2,752 |
| Noncurrent loans to loans | 0.6570% | 3,507 |
| Net loans and leases to total assets | 77.1282% | 1,197 |
| Net loans and leases to deposits | 90.5982% | 1,527 |
| Net loans and leases to core deposits | 90.5982% | 2,286 |
| Total domestic deposits to total assets | 85.1321% | 3,074 |
| Equity capital to assets | 11.0315% | 2,858 |
| Core capital (leverage) ratio | 10.1302% | 3,427 |
| Tier 1 risk-based capital ratio | 13.4019% | 4,276 |
| Total risk-based capital ratio | 14.6523% | 4,204 |
| Memoranda: | ||
| Average total assets | $54,312,330 | 5,574 |
| Average earning assets | $50,021,000 | 5,565 |
| Average equity | $5,893,670 | 5,573 |
| Average total loans | $42,331,330 | 5,019 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 371 |
| Cost of funding earning assets | 0.5259% | 2,046 |
| Net interest margin | 4.7411% | 389 |
| Noninterest income to average assets | 0.5142% | 3,195 |
| Noninterest expense to average assets | 4.1359% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7493% | 3,538 |
| Return on assets (ROA) | 0.7493% | 3,677 |
| Pretax return on assets | 0.7493% | 4,430 |
| Return on Equity (ROE) | 6.9625% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.9625% | 2,026 |
| Net charge-offs to loans | -0.0283% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6617% | 1,302 |
| Assets per employee ($millions) | 4.2373% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 3,342 |
| Loan loss allowance to noncurrent loans | 893.5484% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 3,876 |
| Noncurrent loans to loans | 0.1466% | 5,254 |
| Net loans and leases to total assets | 75.7611% | 1,246 |
| Net loans and leases to deposits | 88.6277% | 1,546 |
| Net loans and leases to core deposits | 88.6277% | 2,260 |
| Total domestic deposits to total assets | 85.4824% | 3,183 |
| Equity capital to assets | 10.7434% | 3,272 |
| Core capital (leverage) ratio | 9.8681% | 3,796 |
| Tier 1 risk-based capital ratio | 14.2146% | 3,871 |
| Total risk-based capital ratio | 15.4684% | 3,797 |
| Memoranda: | ||
| Average total assets | $54,450,500 | 5,628 |
| Average earning assets | $50,199,500 | 5,613 |
| Average equity | $5,860,000 | 5,635 |
| Average total loans | $42,339,000 | 5,055 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 384 |
| Cost of funding earning assets | 0.5628% | 2,121 |
| Net interest margin | 4.8301% | 408 |
| Noninterest income to average assets | 0.5681% | 3,067 |
| Noninterest expense to average assets | 4.6449% | 407 |
| Loan and lease loss provision to assets | 0.0963% | 2,545 |
| Net operating income to assets | 0.2523% | 5,652 |
| Return on assets (ROA) | 0.2523% | 5,710 |
| Pretax return on assets | 0.2561% | 5,778 |
| Return on Equity (ROE) | 2.5363% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,433 |
| Net charge-offs to loans | 0.1742% | 2,281 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 2.6143% | 4,106 |
| Efficiency ratio | 92.9480% | 652 |
| Assets per employee ($millions) | 3.5877% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 3,422 |
| Loan loss allowance to noncurrent loans | 822.3881% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 3,920 |
| Noncurrent loans to loans | 0.1581% | 5,263 |
| Net loans and leases to total assets | 77.7464% | 1,030 |
| Net loans and leases to deposits | 91.1130% | 1,392 |
| Net loans and leases to core deposits | 91.1130% | 2,177 |
| Total domestic deposits to total assets | 85.3296% | 3,149 |
| Equity capital to assets | 10.7812% | 3,143 |
| Core capital (leverage) ratio | 9.6486% | 4,035 |
| Tier 1 risk-based capital ratio | 13.3607% | 4,497 |
| Total risk-based capital ratio | 14.6140% | 4,429 |
| Memoranda: | ||
| Average total assets | $51,928,200 | 5,743 |
| Average earning assets | $47,618,400 | 5,732 |
| Average equity | $5,165,000 | 5,818 |
| Average total loans | $40,190,800 | 5,178 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 473 |
| Cost of funding earning assets | 0.5652% | 2,147 |
| Net interest margin | 4.6859% | 517 |
| Noninterest income to average assets | 0.5415% | 3,250 |
| Noninterest expense to average assets | 4.6148% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2177% | 5,813 |
| Return on assets (ROA) | 0.2177% | 5,858 |
| Pretax return on assets | 0.2228% | 5,915 |
| Return on Equity (ROE) | 2.2374% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.2374% | 4,939 |
| Net charge-offs to loans | 0.0101% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 28.6650% | 1,413 |
| Efficiency ratio | 95.3937% | 527 |
| Assets per employee ($millions) | 3.6196% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,459 |
| Loan loss allowance to noncurrent loans | 41.4599% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.9580% | 806 |
| Noncurrent loans to loans | 3.2273% | 780 |
| Net loans and leases to total assets | 77.1411% | 1,074 |
| Net loans and leases to deposits | 90.1000% | 1,421 |
| Net loans and leases to core deposits | 91.1015% | 2,106 |
| Total domestic deposits to total assets | 85.6172% | 3,065 |
| Equity capital to assets | 10.5665% | 3,476 |
| Core capital (leverage) ratio | 9.8991% | 3,820 |
| Tier 1 risk-based capital ratio | 13.3422% | 4,649 |
| Total risk-based capital ratio | 14.5950% | 4,578 |
| Memoranda: | ||
| Average total assets | $51,456,250 | 5,821 |
| Average earning assets | $47,176,000 | 5,808 |
| Average equity | $5,005,750 | 5,912 |
| Average total loans | $39,640,750 | 5,259 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2112% | 497 |
| Cost of funding earning assets | 0.5690% | 2,174 |
| Net interest margin | 4.6423% | 539 |
| Noninterest income to average assets | 0.4949% | 3,512 |
| Noninterest expense to average assets | 4.7673% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0079% | 6,192 |
| Return on assets (ROA) | -0.0079% | 6,214 |
| Pretax return on assets | -0.0079% | 6,202 |
| Return on Equity (ROE) | -0.0840% | 6,216 |
| Retained earnings to average equity (ytd only) | -0.0840% | 5,700 |
| Net charge-offs to loans | -0.0258% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1664% | 397 |
| Assets per employee ($millions) | 3.4457% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 3,237 |
| Loan loss allowance to noncurrent loans | 39.2638% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 3.4788% | 677 |
| Noncurrent loans to loans | 3.6209% | 718 |
| Net loans and leases to total assets | 77.2739% | 1,008 |
| Net loans and leases to deposits | 89.1476% | 1,458 |
| Net loans and leases to core deposits | 90.1741% | 2,110 |
| Total domestic deposits to total assets | 86.6809% | 2,647 |
| Equity capital to assets | 9.3064% | 4,975 |
| Core capital (leverage) ratio | 8.3145% | 5,832 |
| Tier 1 risk-based capital ratio | 11.5190% | 5,786 |
| Total risk-based capital ratio | 12.7730% | 5,739 |
| Memoranda: | ||
| Average total assets | $50,510,330 | 5,889 |
| Average earning assets | $46,399,670 | 5,879 |
| Average equity | $4,762,000 | 6,022 |
| Average total loans | $38,704,000 | 5,321 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 652 |
| Cost of funding earning assets | 0.5584% | 2,360 |
| Net interest margin | 4.4932% | 668 |
| Noninterest income to average assets | 0.4407% | 3,865 |
| Noninterest expense to average assets | 4.9036% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3365% | 6,414 |
| Return on assets (ROA) | -0.3365% | 6,413 |
| Pretax return on assets | -0.3365% | 6,404 |
| Return on Equity (ROE) | -3.5458% | 6,424 |
| Retained earnings to average equity (ytd only) | -3.5458% | 6,016 |
| Net charge-offs to loans | -0.0212% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3684% | 307 |
| Assets per employee ($millions) | 3.3539% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 3,269 |
| Loan loss allowance to noncurrent loans | 40.6095% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 3.6416% | 702 |
| Noncurrent loans to loans | 3.6276% | 782 |
| Net loans and leases to total assets | 76.1768% | 983 |
| Net loans and leases to deposits | 88.0948% | 1,352 |
| Net loans and leases to core deposits | 89.1378% | 1,988 |
| Total domestic deposits to total assets | 86.4713% | 3,128 |
| Equity capital to assets | 9.3981% | 4,631 |
| Core capital (leverage) ratio | 8.5574% | 5,574 |
| Tier 1 risk-based capital ratio | 11.3648% | 5,984 |
| Total risk-based capital ratio | 12.6196% | 5,933 |
| Memoranda: | ||
| Average total assets | $49,923,000 | 5,966 |
| Average earning assets | $45,847,500 | 5,944 |
| Average equity | $4,738,000 | 6,065 |
| Average total loans | $37,798,500 | 5,397 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 632 |
| Cost of funding earning assets | 0.6458% | 2,242 |
| Net interest margin | 4.5597% | 653 |
| Noninterest income to average assets | 0.8536% | 1,858 |
| Noninterest expense to average assets | 5.3031% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.3976% | 6,457 |
| Return on assets (ROA) | -0.3586% | 6,457 |
| Pretax return on assets | -0.3508% | 6,438 |
| Return on Equity (ROE) | -3.7496% | 6,454 |
| Retained earnings to average equity (ytd only) | -3.7496% | 6,311 |
| Net charge-offs to loans | 0.3383% | 1,985 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.6260% | 5,304 |
| Efficiency ratio | 105.0377% | 354 |
| Assets per employee ($millions) | 3.3025% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 2,937 |
| Loan loss allowance to noncurrent loans | 40.0140% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.8738% | 698 |
| Noncurrent loans to loans | 3.8882% | 757 |
| Net loans and leases to total assets | 72.9339% | 1,531 |
| Net loans and leases to deposits | 84.6453% | 1,846 |
| Net loans and leases to core deposits | 85.6648% | 2,487 |
| Total domestic deposits to total assets | 86.1642% | 3,170 |
| Equity capital to assets | 9.5846% | 4,306 |
| Core capital (leverage) ratio | 8.3869% | 5,795 |
| Tier 1 risk-based capital ratio | 12.0560% | 5,583 |
| Total risk-based capital ratio | 13.3107% | 5,519 |
| Memoranda: | ||
| Average total assets | $51,309,800 | 5,983 |
| Average earning assets | $45,682,800 | 6,004 |
| Average equity | $4,907,200 | 6,089 |
| Average total loans | $36,353,400 | 5,483 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 727 |
| Cost of funding earning assets | 0.6614% | 2,254 |
| Net interest margin | 4.4753% | 762 |
| Noninterest income to average assets | 0.9069% | 1,736 |
| Noninterest expense to average assets | 5.2376% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3839% | 6,562 |
| Return on assets (ROA) | -0.3323% | 6,554 |
| Pretax return on assets | -0.3221% | 6,529 |
| Return on Equity (ROE) | -3.4769% | 6,544 |
| Retained earnings to average equity (ytd only) | -3.4769% | 6,392 |
| Net charge-offs to loans | -0.0331% | 6,188 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5742% | 303 |
| Assets per employee ($millions) | 3.4525% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 1,799 |
| Loan loss allowance to noncurrent loans | 29.6750% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 7.7529% | 240 |
| Noncurrent loans to loans | 6.6331% | 333 |
| Net loans and leases to total assets | 67.6077% | 2,351 |
| Net loans and leases to deposits | 78.1396% | 2,648 |
| Net loans and leases to core deposits | 79.5456% | 3,169 |
| Total domestic deposits to total assets | 86.5217% | 2,955 |
| Equity capital to assets | 9.3479% | 4,745 |
| Core capital (leverage) ratio | 8.3947% | 5,865 |
| Tier 1 risk-based capital ratio | 12.3648% | 5,538 |
| Total risk-based capital ratio | 13.6240% | 5,470 |
| Memoranda: | ||
| Average total assets | $51,752,750 | 6,040 |
| Average earning assets | $45,761,250 | 6,065 |
| Average equity | $4,947,000 | 6,154 |
| Average total loans | $36,266,500 | 5,537 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 540 |
| Cost of funding earning assets | 0.6817% | 2,213 |
| Net interest margin | 4.6013% | 594 |
| Noninterest income to average assets | 1.0166% | 1,483 |
| Noninterest expense to average assets | 5.2299% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1585% | 6,463 |
| Return on assets (ROA) | -0.0812% | 6,438 |
| Pretax return on assets | -0.0657% | 6,408 |
| Return on Equity (ROE) | -0.8430% | 6,439 |
| Retained earnings to average equity (ytd only) | -0.8430% | 6,018 |
| Net charge-offs to loans | -0.0219% | 5,997 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6596% | 410 |
| Assets per employee ($millions) | 3.2124% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 2,289 |
| Loan loss allowance to noncurrent loans | 22.0746% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 10.5446% | 138 |
| Noncurrent loans to loans | 8.3373% | 233 |
| Net loans and leases to total assets | 77.2590% | 833 |
| Net loans and leases to deposits | 86.2278% | 1,555 |
| Net loans and leases to core deposits | 87.8350% | 2,125 |
| Total domestic deposits to total assets | 89.5986% | 1,270 |
| Equity capital to assets | 10.1959% | 3,663 |
| Core capital (leverage) ratio | 8.7893% | 5,307 |
| Tier 1 risk-based capital ratio | 12.2733% | 5,643 |
| Total risk-based capital ratio | 13.5318% | 5,583 |
| Memoranda: | ||
| Average total assets | $51,741,330 | 6,078 |
| Average earning assets | $45,769,670 | 6,109 |
| Average equity | $4,982,330 | 6,187 |
| Average total loans | $36,450,330 | 5,561 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 846 |
| Cost of funding earning assets | 0.6884% | 2,316 |
| Net interest margin | 4.3431% | 890 |
| Noninterest income to average assets | 0.8446% | 1,944 |
| Noninterest expense to average assets | 5.0150% | 369 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3812% | 6,619 |
| Return on assets (ROA) | -0.3812% | 6,654 |
| Pretax return on assets | -0.3513% | 6,615 |
| Return on Equity (ROE) | -4.0662% | 6,655 |
| Retained earnings to average equity (ytd only) | -4.0662% | 6,285 |
| Net charge-offs to loans | -0.0224% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2115% | 374 |
| Assets per employee ($millions) | 3.3979% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 2,132 |
| Loan loss allowance to noncurrent loans | 732.6316% | 618 |
| Noncurrent assets plus other real estate owned to assets | 4.6538% | 803 |
| Noncurrent loans to loans | 0.2684% | 5,737 |
| Net loans and leases to total assets | 68.0845% | 1,992 |
| Net loans and leases to deposits | 75.7074% | 2,687 |
| Net loans and leases to core deposits | 77.0300% | 3,200 |
| Total domestic deposits to total assets | 89.9311% | 1,090 |
| Equity capital to assets | 9.7962% | 4,426 |
| Core capital (leverage) ratio | 8.2488% | 5,879 |
| Tier 1 risk-based capital ratio | 12.4890% | 5,583 |
| Total risk-based capital ratio | 13.7493% | 5,531 |
| Memoranda: | ||
| Average total assets | $53,519,000 | 6,092 |
| Average earning assets | $47,063,500 | 6,128 |
| Average equity | $5,017,000 | 6,238 |
| Average total loans | $35,712,500 | 5,629 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 661 |
| Cost of funding earning assets | 0.9585% | 1,594 |
| Net interest margin | 4.5122% | 924 |
| Noninterest income to average assets | 1.0186% | 1,485 |
| Noninterest expense to average assets | 5.0423% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1222% | 6,303 |
| Return on assets (ROA) | -0.0865% | 6,376 |
| Pretax return on assets | -0.0865% | 6,355 |
| Return on Equity (ROE) | -0.9178% | 6,380 |
| Retained earnings to average equity (ytd only) | -0.9178% | 6,003 |
| Net charge-offs to loans | 0.0954% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.9118% | 5,830 |
| Efficiency ratio | 101.6807% | 502 |
| Assets per employee ($millions) | 3.5043% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9263% | 2,205 |
| Loan loss allowance to noncurrent loans | 588.1356% | 710 |
| Noncurrent assets plus other real estate owned to assets | 4.3999% | 948 |
| Noncurrent loans to loans | 0.3275% | 5,668 |
| Net loans and leases to total assets | 63.0170% | 3,052 |
| Net loans and leases to deposits | 69.3838% | 3,781 |
| Net loans and leases to core deposits | 71.5721% | 4,095 |
| Total domestic deposits to total assets | 90.8238% | 552 |
| Equity capital to assets | 8.9907% | 5,534 |
| Core capital (leverage) ratio | 8.0015% | 6,192 |
| Tier 1 risk-based capital ratio | 11.7059% | 5,953 |
| Total risk-based capital ratio | 12.9634% | 5,920 |
| Memoranda: | ||
| Average total assets | $53,209,600 | 6,113 |
| Average earning assets | $46,008,800 | 6,180 |
| Average equity | $5,012,200 | 6,285 |
| Average total loans | $35,645,800 | 5,692 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 597 |
| Cost of funding earning assets | 1.0235% | 1,432 |
| Net interest margin | 4.5376% | 923 |
| Noninterest income to average assets | 0.9474% | 1,678 |
| Noninterest expense to average assets | 5.1128% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2692% | 6,551 |
| Return on assets (ROA) | -0.2210% | 6,582 |
| Pretax return on assets | -0.2210% | 6,553 |
| Return on Equity (ROE) | -2.3177% | 6,592 |
| Retained earnings to average equity (ytd only) | -2.3177% | 6,428 |
| Net charge-offs to loans | 0.1275% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -3.1178% | 5,680 |
| Efficiency ratio | 104.7195% | 408 |
| Assets per employee ($millions) | 3.3826% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 2,209 |
| Loan loss allowance to noncurrent loans | 514.0741% | 746 |
| Noncurrent assets plus other real estate owned to assets | 4.5897% | 1,004 |
| Noncurrent loans to loans | 0.3860% | 5,693 |
| Net loans and leases to total assets | 63.3469% | 3,149 |
| Net loans and leases to deposits | 70.0417% | 3,891 |
| Net loans and leases to core deposits | 71.9557% | 4,256 |
| Total domestic deposits to total assets | 90.4418% | 615 |
| Equity capital to assets | 9.2958% | 5,473 |
| Core capital (leverage) ratio | 8.1214% | 6,211 |
| Tier 1 risk-based capital ratio | 12.1392% | 5,859 |
| Total risk-based capital ratio | 13.3975% | 5,829 |
| Memoranda: | ||
| Average total assets | $52,494,750 | 6,207 |
| Average earning assets | $45,074,000 | 6,274 |
| Average equity | $5,005,000 | 6,359 |
| Average total loans | $35,550,500 | 5,769 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 501 |
| Cost of funding earning assets | 1.0735% | 1,343 |
| Net interest margin | 4.6083% | 814 |
| Noninterest income to average assets | 0.8007% | 2,174 |
| Noninterest expense to average assets | 5.1200% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3696% | 6,660 |
| Return on assets (ROA) | -0.2964% | 6,673 |
| Pretax return on assets | -0.2964% | 6,638 |
| Return on Equity (ROE) | -3.0823% | 6,676 |
| Retained earnings to average equity (ytd only) | -3.0823% | 6,473 |
| Net charge-offs to loans | 0.2742% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.9592% | 5,378 |
| Efficiency ratio | 106.9692% | 378 |
| Assets per employee ($millions) | 3.3224% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 2,502 |
| Loan loss allowance to noncurrent loans | 474.8252% | 758 |
| Noncurrent assets plus other real estate owned to assets | 5.2240% | 889 |
| Noncurrent loans to loans | 0.4035% | 5,726 |
| Net loans and leases to total assets | 65.3956% | 2,790 |
| Net loans and leases to deposits | 72.3762% | 3,555 |
| Net loans and leases to core deposits | 74.3832% | 3,967 |
| Total domestic deposits to total assets | 90.3552% | 736 |
| Equity capital to assets | 9.4116% | 5,177 |
| Core capital (leverage) ratio | 8.2525% | 5,987 |
| Tier 1 risk-based capital ratio | 11.7361% | 6,093 |
| Total risk-based capital ratio | 12.9924% | 6,070 |
| Memoranda: | ||
| Average total assets | $51,952,670 | 6,263 |
| Average earning assets | $44,528,330 | 6,335 |
| Average equity | $4,996,330 | 6,392 |
| Average total loans | $35,741,330 | 5,799 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6598% | 560 |
| Cost of funding earning assets | 1.1083% | 1,358 |
| Net interest margin | 4.5515% | 913 |
| Noninterest income to average assets | 0.7478% | 2,410 |
| Noninterest expense to average assets | 5.3593% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7089% | 6,918 |
| Return on assets (ROA) | -0.7089% | 6,938 |
| Pretax return on assets | -0.7089% | 6,901 |
| Return on Equity (ROE) | -7.2902% | 6,930 |
| Retained earnings to average equity (ytd only) | -7.2902% | 6,729 |
| Net charge-offs to loans | -0.0223% | 6,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4054% | 281 |
| Assets per employee ($millions) | 3.6844% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 2,242 |
| Loan loss allowance to noncurrent loans | 593.4959% | 592 |
| Noncurrent assets plus other real estate owned to assets | 5.3449% | 943 |
| Noncurrent loans to loans | 0.3435% | 5,985 |
| Net loans and leases to total assets | 68.0121% | 2,116 |
| Net loans and leases to deposits | 75.6045% | 2,863 |
| Net loans and leases to core deposits | 77.7664% | 3,360 |
| Total domestic deposits to total assets | 89.9577% | 1,111 |
| Equity capital to assets | 9.7030% | 4,516 |
| Core capital (leverage) ratio | 8.4812% | 5,629 |
| Tier 1 risk-based capital ratio | 11.4983% | 6,282 |
| Total risk-based capital ratio | 12.7563% | 6,258 |
| Memoranda: | ||
| Average total assets | $51,350,000 | 6,329 |
| Average earning assets | $44,029,500 | 6,398 |
| Average equity | $4,993,000 | 6,430 |
| Average total loans | $35,891,000 | 5,829 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8246% | 608 |
| Cost of funding earning assets | 1.4132% | 983 |
| Net interest margin | 4.4114% | 1,370 |
| Noninterest income to average assets | 0.8271% | 1,937 |
| Noninterest expense to average assets | 7.2508% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -2.7112% | 7,141 |
| Return on assets (ROA) | -2.6296% | 7,139 |
| Pretax return on assets | -2.6258% | 7,137 |
| Return on Equity (ROE) | -23.5282% | 7,031 |
| Retained earnings to average equity (ytd only) | -23.5282% | 7,019 |
| Net charge-offs to loans | 0.3039% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -12.5862% | 6,402 |
| Efficiency ratio | 112.1224% | 398 |
| Assets per employee ($millions) | 3.1949% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 2,197 |
| Loan loss allowance to noncurrent loans | 491.8919% | 693 |
| Noncurrent assets plus other real estate owned to assets | 5.4423% | 948 |
| Noncurrent loans to loans | 0.4115% | 5,896 |
| Net loans and leases to total assets | 68.9424% | 2,220 |
| Net loans and leases to deposits | 78.5215% | 2,752 |
| Net loans and leases to core deposits | 80.3749% | 3,408 |
| Total domestic deposits to total assets | 87.8008% | 2,279 |
| Equity capital to assets | 9.7441% | 4,521 |
| Core capital (leverage) ratio | 8.2652% | 5,898 |
| Tier 1 risk-based capital ratio | 11.3342% | 6,270 |
| Total risk-based capital ratio | 12.5914% | 6,250 |
| Memoranda: | ||
| Average total assets | $53,925,400 | 6,228 |
| Average earning assets | $45,428,000 | 6,346 |
| Average equity | $6,026,800 | 6,151 |
| Average total loans | $38,168,600 | 5,776 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8564% | 613 |
| Cost of funding earning assets | 1.4663% | 967 |
| Net interest margin | 4.3901% | 1,434 |
| Noninterest income to average assets | 0.8469% | 1,852 |
| Noninterest expense to average assets | 5.0816% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.5565% | 6,666 |
| Return on assets (ROA) | -0.4491% | 6,657 |
| Pretax return on assets | -0.4442% | 6,589 |
| Return on Equity (ROE) | -3.9014% | 6,625 |
| Retained earnings to average equity (ytd only) | -3.9014% | 6,507 |
| Net charge-offs to loans | 0.1446% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -5.3809% | 6,103 |
| Efficiency ratio | 111.3147% | 407 |
| Assets per employee ($millions) | 3.1594% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1412% | 1,979 |
| Loan loss allowance to noncurrent loans | 407.1066% | 788 |
| Noncurrent assets plus other real estate owned to assets | 5.5298% | 1,003 |
| Noncurrent loans to loans | 0.5260% | 5,803 |
| Net loans and leases to total assets | 68.2437% | 2,433 |
| Net loans and leases to deposits | 80.1071% | 2,637 |
| Net loans and leases to core deposits | 83.0964% | 3,172 |
| Total domestic deposits to total assets | 85.1906% | 3,684 |
| Equity capital to assets | 11.6480% | 2,544 |
| Core capital (leverage) ratio | 8.1342% | 6,240 |
| Tier 1 risk-based capital ratio | 11.0519% | 6,512 |
| Total risk-based capital ratio | 12.3119% | 6,491 |
| Memoranda: | ||
| Average total assets | $54,627,250 | 6,257 |
| Average earning assets | $45,828,750 | 6,394 |
| Average equity | $6,288,250 | 6,118 |
| Average total loans | $38,718,250 | 5,804 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8562% | 644 |
| Cost of funding earning assets | 1.5085% | 980 |
| Net interest margin | 4.3477% | 1,517 |
| Noninterest income to average assets | 0.8337% | 1,874 |
| Noninterest expense to average assets | 5.1481% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.6699% | 6,801 |
| Return on assets (ROA) | -0.5097% | 6,725 |
| Pretax return on assets | -0.5024% | 6,656 |
| Return on Equity (ROE) | -4.4452% | 6,676 |
| Retained earnings to average equity (ytd only) | -4.4452% | 6,518 |
| Net charge-offs to loans | 0.2913% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.1930% | 5,756 |
| Efficiency ratio | 113.9610% | 414 |
| Assets per employee ($millions) | 3.2861% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 2,233 |
| Loan loss allowance to noncurrent loans | 321.2245% | 985 |
| Noncurrent assets plus other real estate owned to assets | 5.2986% | 1,141 |
| Noncurrent loans to loans | 0.6387% | 5,648 |
| Net loans and leases to total assets | 67.2544% | 2,777 |
| Net loans and leases to deposits | 78.4036% | 3,057 |
| Net loans and leases to core deposits | 85.4799% | 3,001 |
| Total domestic deposits to total assets | 85.7798% | 3,452 |
| Equity capital to assets | 11.1700% | 2,793 |
| Core capital (leverage) ratio | 8.1689% | 6,073 |
| Tier 1 risk-based capital ratio | 10.8097% | 6,652 |
| Total risk-based capital ratio | 12.0682% | 6,619 |
| Memoranda: | ||
| Average total assets | $54,933,330 | 6,301 |
| Average earning assets | $46,139,000 | 6,435 |
| Average equity | $6,299,000 | 6,142 |
| Average total loans | $39,139,330 | 5,835 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8475% | 672 |
| Cost of funding earning assets | 1.5147% | 1,107 |
| Net interest margin | 4.3327% | 1,458 |
| Noninterest income to average assets | 1.1456% | 995 |
| Noninterest expense to average assets | 5.0966% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3378% | 6,693 |
| Return on assets (ROA) | -0.3378% | 6,702 |
| Pretax return on assets | -0.3378% | 6,645 |
| Return on Equity (ROE) | -2.9075% | 6,655 |
| Retained earnings to average equity (ytd only) | -2.9075% | 6,277 |
| Net charge-offs to loans | 0.7083% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.6571% | 4,835 |
| Efficiency ratio | 106.3272% | 566 |
| Assets per employee ($millions) | 3.2172% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 2,345 |
| Loan loss allowance to noncurrent loans | 315.9184% | 983 |
| Noncurrent assets plus other real estate owned to assets | 5.4120% | 1,129 |
| Noncurrent loans to loans | 0.6405% | 5,753 |
| Net loans and leases to total assets | 68.5188% | 2,449 |
| Net loans and leases to deposits | 80.2686% | 2,670 |
| Net loans and leases to core deposits | 86.2009% | 2,839 |
| Total domestic deposits to total assets | 85.3619% | 3,856 |
| Equity capital to assets | 11.5225% | 2,245 |
| Core capital (leverage) ratio | 8.5299% | 5,389 |
| Tier 1 risk-based capital ratio | 11.2213% | 6,335 |
| Total risk-based capital ratio | 12.4796% | 6,295 |
| Memoranda: | ||
| Average total assets | $54,468,000 | 6,358 |
| Average earning assets | $45,421,500 | 6,507 |
| Average equity | $6,328,500 | 6,146 |
| Average total loans | $39,530,000 | 5,871 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2759% | 484 |
| Cost of funding earning assets | 1.8118% | 1,123 |
| Net interest margin | 4.4641% | 1,313 |
| Noninterest income to average assets | 0.2263% | 6,187 |
| Noninterest expense to average assets | 5.1319% | 384 |
| Loan and lease loss provision to assets | -0.7213% | 7,649 |
| Net operating income to assets | -0.4473% | 6,350 |
| Return on assets (ROA) | -0.2634% | 6,227 |
| Pretax return on assets | -0.2634% | 6,134 |
| Return on Equity (ROE) | -2.2799% | 6,202 |
| Retained earnings to average equity (ytd only) | -2.2799% | 6,009 |
| Net charge-offs to loans | -0.1738% | 7,536 |
| Credit loss provision to net charge-offs | 558.9041% | 400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5459% | 331 |
| Assets per employee ($millions) | 2.8549% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 2,136 |
| Loan loss allowance to noncurrent loans | 55.6728% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 7.3189% | 728 |
| Noncurrent loans to loans | 3.7147% | 1,999 |
| Net loans and leases to total assets | 73.6814% | 1,728 |
| Net loans and leases to deposits | 89.1325% | 1,627 |
| Net loans and leases to core deposits | 96.0076% | 2,012 |
| Total domestic deposits to total assets | 82.6650% | 4,942 |
| Equity capital to assets | 11.7158% | 2,114 |
| Core capital (leverage) ratio | 8.6282% | 5,143 |
| Tier 1 risk-based capital ratio | 10.9020% | 6,411 |
| Total risk-based capital ratio | 12.1567% | 6,377 |
| Memoranda: | ||
| Average total assets | $56,567,600 | 6,327 |
| Average earning assets | $47,356,000 | 6,463 |
| Average equity | $6,535,400 | 6,190 |
| Average total loans | $42,007,200 | 5,835 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3617% | 449 |
| Cost of funding earning assets | 1.8745% | 1,118 |
| Net interest margin | 4.4871% | 1,284 |
| Noninterest income to average assets | 0.1586% | 6,730 |
| Noninterest expense to average assets | 5.0464% | 369 |
| Loan and lease loss provision to assets | -0.9519% | 7,758 |
| Net operating income to assets | -0.1773% | 6,290 |
| Return on assets (ROA) | 0.0653% | 5,991 |
| Pretax return on assets | 0.0653% | 5,978 |
| Return on Equity (ROE) | 0.5673% | 5,999 |
| Retained earnings to average equity (ytd only) | 0.5673% | 5,573 |
| Net charge-offs to loans | -1.0589% | 7,703 |
| Credit loss provision to net charge-offs | 121.4286% | 3,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8737% | 314 |
| Assets per employee ($millions) | 2.8808% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6623% | 1,126 |
| Loan loss allowance to noncurrent loans | 118.9044% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 6.2409% | 932 |
| Noncurrent loans to loans | 2.2390% | 3,404 |
| Net loans and leases to total assets | 73.9440% | 1,818 |
| Net loans and leases to deposits | 91.6946% | 1,489 |
| Net loans and leases to core deposits | 100.1708% | 1,832 |
| Total domestic deposits to total assets | 80.6416% | 5,506 |
| Equity capital to assets | 11.9811% | 2,168 |
| Core capital (leverage) ratio | 8.7729% | 5,058 |
| Tier 1 risk-based capital ratio | 11.1045% | 6,277 |
| Total risk-based capital ratio | 12.3613% | 6,269 |
| Memoranda: | ||
| Average total assets | $57,148,750 | 6,382 |
| Average earning assets | $47,869,000 | 6,512 |
| Average equity | $6,580,500 | 6,248 |
| Average total loans | $42,306,250 | 5,907 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4091% | 404 |
| Cost of funding earning assets | 1.9397% | 1,078 |
| Net interest margin | 4.4695% | 1,271 |
| Noninterest income to average assets | 0.3624% | 5,248 |
| Noninterest expense to average assets | 4.8798% | 414 |
| Loan and lease loss provision to assets | -1.1561% | 7,826 |
| Net operating income to assets | 0.3762% | 4,868 |
| Return on assets (ROA) | 0.7351% | 3,407 |
| Pretax return on assets | 0.7351% | 4,124 |
| Return on Equity (ROE) | 6.4663% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.4663% | 2,092 |
| Net charge-offs to loans | -1.5841% | 7,770 |
| Credit loss provision to net charge-offs | 99.4065% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1818% | 436 |
| Assets per employee ($millions) | 2.7509% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7798% | 1,017 |
| Loan loss allowance to noncurrent loans | 175.2226% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 6.0727% | 961 |
| Noncurrent loans to loans | 1.5864% | 4,330 |
| Net loans and leases to total assets | 75.0750% | 1,675 |
| Net loans and leases to deposits | 94.7644% | 1,181 |
| Net loans and leases to core deposits | 107.9053% | 1,306 |
| Total domestic deposits to total assets | 79.2228% | 5,971 |
| Equity capital to assets | 12.2617% | 1,946 |
| Core capital (leverage) ratio | 9.2583% | 4,195 |
| Tier 1 risk-based capital ratio | 11.2510% | 5,996 |
| Total risk-based capital ratio | 12.5191% | 5,961 |
| Memoranda: | ||
| Average total assets | $57,953,000 | 6,392 |
| Average earning assets | $48,462,330 | 6,533 |
| Average equity | $6,588,000 | 6,275 |
| Average total loans | $42,548,000 | 5,927 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 1,006 |
| Cost of funding earning assets | 1.9534% | 1,236 |
| Net interest margin | 4.0343% | 2,718 |
| Noninterest income to average assets | 0.4443% | 4,521 |
| Noninterest expense to average assets | 4.9074% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.0569% | 7,143 |
| Return on assets (ROA) | -1.0569% | 7,161 |
| Pretax return on assets | -1.0569% | 7,079 |
| Return on Equity (ROE) | -9.6482% | 7,125 |
| Retained earnings to average equity (ytd only) | -9.6482% | 6,942 |
| Net charge-offs to loans | -0.0188% | 7,062 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5734% | 372 |
| Assets per employee ($millions) | 2.9969% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8315% | 952 |
| Loan loss allowance to noncurrent loans | 162.2253% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 5.5144% | 1,122 |
| Noncurrent loans to loans | 1.7454% | 4,134 |
| Net loans and leases to total assets | 71.1742% | 2,656 |
| Net loans and leases to deposits | 89.3829% | 2,006 |
| Net loans and leases to core deposits | 101.2264% | 2,002 |
| Total domestic deposits to total assets | 79.6284% | 5,908 |
| Equity capital to assets | 11.3168% | 2,488 |
| Core capital (leverage) ratio | 7.8785% | 6,405 |
| Tier 1 risk-based capital ratio | 10.8073% | 6,336 |
| Total risk-based capital ratio | 12.0767% | 6,297 |
| Memoranda: | ||
| Average total assets | $59,421,000 | 6,410 |
| Average earning assets | $50,169,500 | 6,542 |
| Average equity | $6,509,000 | 6,344 |
| Average total loans | $42,579,500 | 6,003 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0148% | 1,809 |
| Cost of funding earning assets | 2.7035% | 589 |
| Net interest margin | 3.3113% | 5,700 |
| Noninterest income to average assets | 0.3108% | 5,857 |
| Noninterest expense to average assets | 4.8799% | 573 |
| Loan and lease loss provision to assets | 0.7501% | 2,860 |
| Net operating income to assets | -2.4473% | 7,253 |
| Return on assets (ROA) | -2.3740% | 7,227 |
| Pretax return on assets | -2.3740% | 7,098 |
| Return on Equity (ROE) | -19.9912% | 7,144 |
| Retained earnings to average equity (ytd only) | -19.9912% | 7,108 |
| Net charge-offs to loans | 1.1515% | 2,126 |
| Credit loss provision to net charge-offs | 87.3106% | 6,090 |
| Earnings coverage of net charge-offs (x) | -1.9754% | 7,000 |
| Efficiency ratio | 152.2495% | 302 |
| Assets per employee ($millions) | 3.0950% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7135% | 1,005 |
| Loan loss allowance to noncurrent loans | 154.5216% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 5.1292% | 1,181 |
| Noncurrent loans to loans | 1.7560% | 4,003 |
| Net loans and leases to total assets | 68.2892% | 3,638 |
| Net loans and leases to deposits | 86.3978% | 2,843 |
| Net loans and leases to core deposits | 101.4350% | 3,856 |
| Total domestic deposits to total assets | 79.0404% | 5,968 |
| Equity capital to assets | 10.6204% | 3,049 |
| Core capital (leverage) ratio | 7.5836% | 6,703 |
| Tier 1 risk-based capital ratio | 10.4759% | 6,416 |
| Total risk-based capital ratio | 11.7433% | 6,379 |
| Memoranda: | ||
| Average total assets | $61,456,200 | 6,298 |
| Average earning assets | $53,302,000 | 6,405 |
| Average equity | $7,298,200 | 6,174 |
| Average total loans | $45,854,200 | 5,842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9166% | 2,373 |
| Cost of funding earning assets | 2.7580% | 669 |
| Net interest margin | 3.1587% | 6,147 |
| Noninterest income to average assets | 0.2934% | 6,130 |
| Noninterest expense to average assets | 4.7316% | 596 |
| Loan and lease loss provision to assets | 1.0020% | 1,914 |
| Net operating income to assets | -2.6820% | 7,508 |
| Return on assets (ROA) | -2.6646% | 7,510 |
| Pretax return on assets | -2.6646% | 7,408 |
| Return on Equity (ROE) | -21.8555% | 7,439 |
| Retained earnings to average equity (ytd only) | -21.8555% | 7,405 |
| Net charge-offs to loans | 1.3059% | 1,564 |
| Credit loss provision to net charge-offs | 101.3187% | 5,022 |
| Earnings coverage of net charge-offs (x) | -1.6989% | 6,716 |
| Efficiency ratio | 153.9174% | 297 |
| Assets per employee ($millions) | 3.3201% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7994% | 792 |
| Loan loss allowance to noncurrent loans | 41.2657% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 5.6213% | 1,003 |
| Noncurrent loans to loans | 6.7838% | 822 |
| Net loans and leases to total assets | 68.9135% | 3,738 |
| Net loans and leases to deposits | 92.7759% | 2,102 |
| Net loans and leases to core deposits | 107.3118% | 3,559 |
| Total domestic deposits to total assets | 74.2795% | 6,900 |
| Equity capital to assets | 10.9223% | 3,089 |
| Core capital (leverage) ratio | 7.9018% | 6,501 |
| Tier 1 risk-based capital ratio | 11.2039% | 5,746 |
| Total risk-based capital ratio | 12.4749% | 5,671 |
| Memoranda: | ||
| Average total assets | $61,345,250 | 6,342 |
| Average earning assets | $53,565,000 | 6,441 |
| Average equity | $7,479,250 | 6,162 |
| Average total loans | $46,455,250 | 5,868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1841% | 1,510 |
| Cost of funding earning assets | 2.7813% | 829 |
| Net interest margin | 3.4028% | 5,155 |
| Noninterest income to average assets | 0.3357% | 5,825 |
| Noninterest expense to average assets | 4.5683% | 728 |
| Loan and lease loss provision to assets | 1.5173% | 1,129 |
| Net operating income to assets | -2.7943% | 7,630 |
| Return on assets (ROA) | -2.7943% | 7,624 |
| Pretax return on assets | -2.7943% | 7,502 |
| Return on Equity (ROE) | -22.1218% | 7,563 |
| Retained earnings to average equity (ytd only) | -22.1218% | 7,517 |
| Net charge-offs to loans | 1.5351% | 1,235 |
| Credit loss provision to net charge-offs | 127.7008% | 3,644 |
| Earnings coverage of net charge-offs (x) | -1.0748% | 6,246 |
| Efficiency ratio | 137.8000% | 452 |
| Assets per employee ($millions) | 3.4609% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8954% | 615 |
| Loan loss allowance to noncurrent loans | 66.2728% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 4.7644% | 1,156 |
| Noncurrent loans to loans | 4.3690% | 1,483 |
| Net loans and leases to total assets | 72.4621% | 3,097 |
| Net loans and leases to deposits | 101.1404% | 1,159 |
| Net loans and leases to core deposits | 120.6817% | 2,305 |
| Total domestic deposits to total assets | 71.6450% | 7,285 |
| Equity capital to assets | 11.5513% | 2,505 |
| Core capital (leverage) ratio | 8.8194% | 4,915 |
| Tier 1 risk-based capital ratio | 11.1357% | 5,739 |
| Total risk-based capital ratio | 12.3879% | 5,648 |
| Memoranda: | ||
| Average total assets | $60,766,330 | 6,421 |
| Average earning assets | $52,780,330 | 6,518 |
| Average equity | $7,675,670 | 6,125 |
| Average total loans | $47,032,330 | 5,885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4390% | 978 |
| Cost of funding earning assets | 2.7662% | 1,067 |
| Net interest margin | 3.6728% | 4,005 |
| Noninterest income to average assets | 0.6333% | 3,324 |
| Noninterest expense to average assets | 4.4799% | 725 |
| Loan and lease loss provision to assets | 0.9733% | 1,334 |
| Net operating income to assets | -1.6600% | 7,561 |
| Return on assets (ROA) | -1.6600% | 7,561 |
| Pretax return on assets | -1.6600% | 7,428 |
| Return on Equity (ROE) | -12.5829% | 7,500 |
| Retained earnings to average equity (ytd only) | -12.5829% | 7,296 |
| Net charge-offs to loans | 0.3044% | 2,889 |
| Credit loss provision to net charge-offs | 405.5556% | 1,287 |
| Earnings coverage of net charge-offs (x) | -2.8611% | 5,514 |
| Efficiency ratio | 117.2232% | 675 |
| Assets per employee ($millions) | 3.1183% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8919% | 532 |
| Loan loss allowance to noncurrent loans | 79.2519% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 5.1344% | 868 |
| Noncurrent loans to loans | 3.6490% | 1,722 |
| Net loans and leases to total assets | 76.8528% | 2,076 |
| Net loans and leases to deposits | 111.8994% | 526 |
| Net loans and leases to core deposits | 139.2234% | 1,140 |
| Total domestic deposits to total assets | 68.6803% | 7,547 |
| Equity capital to assets | 13.1652% | 1,672 |
| Core capital (leverage) ratio | 10.3310% | 3,084 |
| Tier 1 risk-based capital ratio | 12.2693% | 4,733 |
| Total risk-based capital ratio | 13.5354% | 4,629 |
| Memoranda: | ||
| Average total assets | $60,001,500 | 6,471 |
| Average earning assets | $51,623,000 | 6,589 |
| Average equity | $7,915,500 | 6,090 |
| Average total loans | $47,305,000 | 5,902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8415% | 1,551 |
| Cost of funding earning assets | 3.1947% | 1,210 |
| Net interest margin | 3.6468% | 4,692 |
| Noninterest income to average assets | 0.3801% | 5,641 |
| Noninterest expense to average assets | 5.7827% | 447 |
| Loan and lease loss provision to assets | 0.9933% | 1,484 |
| Net operating income to assets | -3.1620% | 7,861 |
| Return on assets (ROA) | -3.1061% | 7,820 |
| Pretax return on assets | -3.1061% | 7,734 |
| Return on Equity (ROE) | -20.8173% | 7,777 |
| Retained earnings to average equity (ytd only) | -21.5879% | 7,719 |
| Net charge-offs to loans | 0.4105% | 2,763 |
| Credit loss provision to net charge-offs | 304.9020% | 1,477 |
| Earnings coverage of net charge-offs (x) | -6.6569% | 6,863 |
| Efficiency ratio | 113.0358% | 650 |
| Assets per employee ($millions) | 3.1977% | 5,490 |
| Cash dividends to net income (ytd only)* | -3.7018% | 7,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6110% | 606 |
| Loan loss allowance to noncurrent loans | 49.2490% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 5.5435% | 578 |
| Noncurrent loans to loans | 5.3016% | 797 |
| Net loans and leases to total assets | 76.4945% | 2,498 |
| Net loans and leases to deposits | 110.8236% | 779 |
| Net loans and leases to core deposits | 139.4180% | 1,296 |
| Total domestic deposits to total assets | 69.0236% | 7,385 |
| Equity capital to assets | 13.2184% | 1,701 |
| Core capital (leverage) ratio | 10.4240% | 3,049 |
| Tier 1 risk-based capital ratio | 13.0443% | 4,084 |
| Total risk-based capital ratio | 14.2940% | 3,992 |
| Memoranda: | ||
| Average total assets | $62,618,200 | 6,293 |
| Average earning assets | $55,528,800 | 6,352 |
| Average equity | $9,343,200 | 5,622 |
| Average total loans | $49,690,600 | 5,719 |