Home > Outdoor Bank > Performance and Condition Ratios
Outdoor 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 | 7.3472% | 175 |
| Cost of funding earning assets | 2.5671% | 319 |
| Net interest margin | 4.7801% | 426 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.1525% | 875 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 0.7633% | 3,000 |
| Return on assets (ROA) | 0.7633% | 2,978 |
| Pretax return on assets | 0.7988% | 3,217 |
| Return on Equity (ROE) | 6.7100% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.7104% | 1,984 |
| Net charge-offs to loans | 0.0950% | 939 |
| Credit loss provision to net charge-offs | 660.5114% | 551 |
| Earnings coverage of net charge-offs (x) | 17.9375% | 1,954 |
| Efficiency ratio | 66.3690% | 2,301 |
| Assets per employee ($millions) | 7.1118% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 852 |
| Loan loss allowance to noncurrent loans | 97.7943% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 435 |
| Noncurrent loans to loans | 1.6279% | 398 |
| Net loans and leases to total assets | 64.3800% | 2,427 |
| Net loans and leases to deposits | 73.0939% | 2,688 |
| Net loans and leases to core deposits | 77.5844% | 2,875 |
| Total domestic deposits to total assets | 88.0800% | 1,326 |
| Equity capital to assets | 9.6854% | 2,211 |
| Core capital (leverage) ratio | 10.2196% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $499,383,400 | 1,725 |
| Average earning assets | $438,506,200 | 1,778 |
| Average equity | $56,807,400 | 1,449 |
| Average total loans | $370,579,000 | 1,545 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2786% | 168 |
| Cost of funding earning assets | 2.4181% | 327 |
| Net interest margin | 4.8605% | 377 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.2545% | 761 |
| Loan and lease loss provision to assets | 0.5100% | 155 |
| Net operating income to assets | 0.8607% | 2,828 |
| Return on assets (ROA) | 0.8607% | 2,808 |
| Pretax return on assets | 0.9004% | 3,101 |
| Return on Equity (ROE) | 7.2200% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.2233% | 2,218 |
| Net charge-offs to loans | 0.0311% | 1,460 |
| Credit loss provision to net charge-offs | 2,117.6471% | 228 |
| Earnings coverage of net charge-offs (x) | 58.7647% | 1,216 |
| Efficiency ratio | 64.7887% | 2,414 |
| Assets per employee ($millions) | 5.9703% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 980 |
| Loan loss allowance to noncurrent loans | 109.6224% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 461 |
| Noncurrent loans to loans | 1.4166% | 526 |
| Net loans and leases to total assets | 74.5500% | 1,291 |
| Net loans and leases to deposits | 88.1064% | 1,374 |
| Net loans and leases to core deposits | 95.6420% | 1,572 |
| Total domestic deposits to total assets | 84.6100% | 2,620 |
| Equity capital to assets | 11.2343% | 1,259 |
| Core capital (leverage) ratio | 10.4853% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $473,102,500 | 1,788 |
| Average earning assets | $428,587,000 | 1,810 |
| Average equity | $56,372,000 | 1,443 |
| Average total loans | $364,355,250 | 1,557 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1391% | 161 |
| Cost of funding earning assets | 2.2469% | 308 |
| Net interest margin | 4.8922% | 351 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.0523% | 963 |
| Loan and lease loss provision to assets | 0.5200% | 138 |
| Net operating income to assets | 1.0812% | 2,169 |
| Return on assets (ROA) | 1.0812% | 2,168 |
| Pretax return on assets | 1.1308% | 2,562 |
| Return on Equity (ROE) | 8.8900% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.8853% | 1,714 |
| Net charge-offs to loans | -0.0124% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.7096% | 2,991 |
| Assets per employee ($millions) | 5.7921% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,029 |
| Loan loss allowance to noncurrent loans | 126.2965% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 481 |
| Noncurrent loans to loans | 1.2290% | 575 |
| Net loans and leases to total assets | 78.0600% | 825 |
| Net loans and leases to deposits | 92.5080% | 987 |
| Net loans and leases to core deposits | 99.9738% | 1,241 |
| Total domestic deposits to total assets | 84.3800% | 2,731 |
| Equity capital to assets | 12.0357% | 1,036 |
| Core capital (leverage) ratio | 10.9006% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $459,655,000 | 1,830 |
| Average earning assets | $417,277,333 | 1,849 |
| Average equity | $55,935,333 | 1,459 |
| Average total loans | $356,205,333 | 1,574 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8059% | 134 |
| Cost of funding earning assets | 2.0212% | 287 |
| Net interest margin | 4.7848% | 381 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.9893% | 1,080 |
| Loan and lease loss provision to assets | 0.5300% | 137 |
| Net operating income to assets | 1.1000% | 2,225 |
| Return on assets (ROA) | 1.1000% | 2,191 |
| Pretax return on assets | 1.1504% | 2,567 |
| Return on Equity (ROE) | 8.9900% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.9875% | 1,955 |
| Net charge-offs to loans | -0.0023% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7154% | 3,106 |
| Assets per employee ($millions) | 5.7291% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,292 |
| Loan loss allowance to noncurrent loans | 178.5104% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 725 |
| Noncurrent loans to loans | 0.8358% | 916 |
| Net loans and leases to total assets | 74.3400% | 1,158 |
| Net loans and leases to deposits | 88.0419% | 1,203 |
| Net loans and leases to core deposits | 95.2017% | 1,324 |
| Total domestic deposits to total assets | 84.4400% | 2,987 |
| Equity capital to assets | 12.0567% | 982 |
| Core capital (leverage) ratio | 10.9656% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $452,006,500 | 1,874 |
| Average earning assets | $415,401,500 | 1,882 |
| Average equity | $55,321,000 | 1,484 |
| Average total loans | $346,022,500 | 1,631 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 230 |
| Cost of funding earning assets | 0.6385% | 758 |
| Net interest margin | 4.5486% | 269 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 3.0114% | 953 |
| Loan and lease loss provision to assets | 0.6500% | 82 |
| Net operating income to assets | 0.7256% | 3,551 |
| Return on assets (ROA) | 0.7256% | 3,493 |
| Pretax return on assets | 0.7565% | 3,728 |
| Return on Equity (ROE) | 5.8400% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.8374% | 2,703 |
| Net charge-offs to loans | 0.1758% | 473 |
| Credit loss provision to net charge-offs | 527.3070% | 656 |
| Earnings coverage of net charge-offs (x) | 11.3635% | 2,151 |
| Efficiency ratio | 61.7992% | 2,793 |
| Assets per employee ($millions) | 5.8661% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,672 |
| Loan loss allowance to noncurrent loans | 249.0841% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 1,188 |
| Noncurrent loans to loans | 0.5430% | 1,360 |
| Net loans and leases to total assets | 76.6400% | 948 |
| Net loans and leases to deposits | 91.0621% | 977 |
| Net loans and leases to core deposits | 99.2877% | 1,041 |
| Total domestic deposits to total assets | 84.1700% | 3,167 |
| Equity capital to assets | 12.4312% | 821 |
| Core capital (leverage) ratio | 11.1567% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $427,514,000 | 1,928 |
| Average earning assets | $389,816,400 | 1,946 |
| Average equity | $53,140,000 | 1,538 |
| Average total loans | $302,112,200 | 1,712 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 246 |
| Cost of funding earning assets | 0.4315% | 1,092 |
| Net interest margin | 4.4565% | 256 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 3.0521% | 848 |
| Loan and lease loss provision to assets | 0.5000% | 104 |
| Net operating income to assets | 0.7581% | 3,395 |
| Return on assets (ROA) | 0.7581% | 3,339 |
| Pretax return on assets | 0.7904% | 3,608 |
| Return on Equity (ROE) | 6.1000% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.0988% | 2,719 |
| Net charge-offs to loans | 0.0639% | 851 |
| Credit loss provision to net charge-offs | 1,142.8571% | 376 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 1,526 |
| Efficiency ratio | 63.7770% | 2,582 |
| Assets per employee ($millions) | 5.9187% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,695 |
| Loan loss allowance to noncurrent loans | 238.2886% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 1,382 |
| Noncurrent loans to loans | 0.4911% | 1,577 |
| Net loans and leases to total assets | 75.6100% | 949 |
| Net loans and leases to deposits | 90.2989% | 873 |
| Net loans and leases to core deposits | 97.9269% | 900 |
| Total domestic deposits to total assets | 83.7300% | 3,555 |
| Equity capital to assets | 12.6611% | 738 |
| Core capital (leverage) ratio | 11.5902% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $424,403,500 | 1,947 |
| Average earning assets | $385,613,000 | 1,981 |
| Average equity | $52,752,000 | 1,569 |
| Average total loans | $292,183,500 | 1,752 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 371 |
| Cost of funding earning assets | 0.3095% | 1,631 |
| Net interest margin | 4.2009% | 334 |
| Noninterest income to average assets | 0.3001% | 3,360 |
| Noninterest expense to average assets | 3.1235% | 706 |
| Loan and lease loss provision to assets | 0.4247% | 131 |
| Net operating income to assets | 0.5413% | 3,791 |
| Return on assets (ROA) | 0.5413% | 3,745 |
| Pretax return on assets | 0.5630% | 3,889 |
| Return on Equity (ROE) | 4.3820% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.3820% | 2,933 |
| Net charge-offs to loans | 0.1808% | 356 |
| Credit loss provision to net charge-offs | 354.3307% | 742 |
| Earnings coverage of net charge-offs (x) | 8.2402% | 1,826 |
| Efficiency ratio | 69.0771% | 2,092 |
| Assets per employee ($millions) | 5.4021% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,461 |
| Loan loss allowance to noncurrent loans | 246.5078% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 1,716 |
| Noncurrent loans to loans | 0.4186% | 1,860 |
| Net loans and leases to total assets | 71.9723% | 1,102 |
| Net loans and leases to deposits | 85.4852% | 1,012 |
| Net loans and leases to core deposits | 90.8154% | 1,073 |
| Total domestic deposits to total assets | 84.1927% | 3,647 |
| Equity capital to assets | 13.2000% | 630 |
| Core capital (leverage) ratio | 10.9794% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,821,667 | 1,964 |
| Average earning assets | $384,487,667 | 2,008 |
| Average equity | $52,351,000 | 1,621 |
| Average total loans | $280,902,667 | 1,802 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 557 |
| Cost of funding earning assets | 0.3148% | 1,514 |
| Net interest margin | 3.8530% | 564 |
| Noninterest income to average assets | 0.3423% | 3,044 |
| Noninterest expense to average assets | 2.8202% | 1,123 |
| Loan and lease loss provision to assets | 0.4130% | 124 |
| Net operating income to assets | 0.5763% | 3,479 |
| Return on assets (ROA) | 0.5763% | 3,453 |
| Pretax return on assets | 0.6030% | 3,626 |
| Return on Equity (ROE) | 4.8176% | 3,664 |
| Retained earnings to average equity (ytd only) | 4.8176% | 2,654 |
| Net charge-offs to loans | 0.3667% | 180 |
| Credit loss provision to net charge-offs | 177.8656% | 812 |
| Earnings coverage of net charge-offs (x) | 4.3755% | 1,627 |
| Efficiency ratio | 66.3397% | 2,727 |
| Assets per employee ($millions) | 6.2448% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 4,026 |
| Loan loss allowance to noncurrent loans | 258.8235% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 2,292 |
| Noncurrent loans to loans | 0.3504% | 2,229 |
| Net loans and leases to total assets | 63.7821% | 1,650 |
| Net loans and leases to deposits | 75.5070% | 1,489 |
| Net loans and leases to core deposits | 79.5287% | 1,517 |
| Total domestic deposits to total assets | 84.4718% | 3,661 |
| Equity capital to assets | 11.9794% | 963 |
| Core capital (leverage) ratio | 10.3704% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,853,500 | 1,926 |
| Average earning assets | $395,227,500 | 1,970 |
| Average equity | $52,142,500 | 1,675 |
| Average total loans | $275,996,500 | 1,812 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 437 |
| Cost of funding earning assets | 0.5178% | 860 |
| Net interest margin | 4.1558% | 535 |
| Noninterest income to average assets | 0.2864% | 3,676 |
| Noninterest expense to average assets | 3.3213% | 607 |
| Loan and lease loss provision to assets | 0.5844% | 88 |
| Net operating income to assets | 0.1327% | 4,597 |
| Return on assets (ROA) | 0.1327% | 4,609 |
| Pretax return on assets | 0.1406% | 4,611 |
| Return on Equity (ROE) | 1.1812% | 4,590 |
| Retained earnings to average equity (ytd only) | 1.1812% | 4,208 |
| Net charge-offs to loans | 0.1678% | 572 |
| Credit loss provision to net charge-offs | 526.0274% | 778 |
| Earnings coverage of net charge-offs (x) | 6.5260% | 2,391 |
| Efficiency ratio | 75.4024% | 1,164 |
| Assets per employee ($millions) | 6.1207% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,137 |
| Loan loss allowance to noncurrent loans | 77.8182% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 915 |
| Noncurrent loans to loans | 1.1178% | 867 |
| Net loans and leases to total assets | 61.7327% | 1,974 |
| Net loans and leases to deposits | 73.1643% | 1,799 |
| Net loans and leases to core deposits | 77.7646% | 1,780 |
| Total domestic deposits to total assets | 84.3754% | 3,453 |
| Equity capital to assets | 11.9472% | 1,272 |
| Core capital (leverage) ratio | 9.9879% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,549,000 | 2,300 |
| Average earning assets | $297,244,200 | 2,345 |
| Average equity | $36,912,400 | 2,205 |
| Average total loans | $217,484,400 | 2,120 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 484 |
| Cost of funding earning assets | 0.5839% | 688 |
| Net interest margin | 4.1165% | 630 |
| Noninterest income to average assets | 0.2896% | 3,721 |
| Noninterest expense to average assets | 3.0591% | 879 |
| Loan and lease loss provision to assets | 0.4701% | 123 |
| Net operating income to assets | 0.4498% | 4,299 |
| Return on assets (ROA) | 0.4498% | 4,333 |
| Pretax return on assets | 0.4732% | 4,399 |
| Return on Equity (ROE) | 4.0971% | 4,286 |
| Retained earnings to average equity (ytd only) | 4.0971% | 3,547 |
| Net charge-offs to loans | -0.2664% | 4,798 |
| Credit loss provision to net charge-offs | -261.0294% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1445% | 1,587 |
| Assets per employee ($millions) | 6.7437% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 4,200 |
| Loan loss allowance to noncurrent loans | 53.4572% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 694 |
| Noncurrent loans to loans | 1.6507% | 614 |
| Net loans and leases to total assets | 58.2454% | 2,455 |
| Net loans and leases to deposits | 69.0220% | 2,328 |
| Net loans and leases to core deposits | 73.6577% | 2,275 |
| Total domestic deposits to total assets | 84.3868% | 3,341 |
| Equity capital to assets | 11.9825% | 1,414 |
| Core capital (leverage) ratio | 10.2011% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,043,250 | 2,453 |
| Average earning assets | $272,426,500 | 2,493 |
| Average equity | $33,160,750 | 2,411 |
| Average total loans | $204,198,750 | 2,242 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 322 |
| Cost of funding earning assets | 0.7169% | 428 |
| Net interest margin | 4.3296% | 465 |
| Noninterest income to average assets | 0.2915% | 3,683 |
| Noninterest expense to average assets | 3.1994% | 720 |
| Loan and lease loss provision to assets | 0.3897% | 165 |
| Net operating income to assets | 0.5456% | 4,121 |
| Return on assets (ROA) | 0.5456% | 4,168 |
| Pretax return on assets | 0.5760% | 4,278 |
| Return on Equity (ROE) | 5.2422% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.2422% | 3,103 |
| Net charge-offs to loans | -0.3519% | 4,856 |
| Credit loss provision to net charge-offs | -152.4390% | 3,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0621% | 1,431 |
| Assets per employee ($millions) | 4.1182% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,229 |
| Loan loss allowance to noncurrent loans | 35.5769% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.8216% | 251 |
| Noncurrent loans to loans | 2.4526% | 336 |
| Net loans and leases to total assets | 73.6254% | 800 |
| Net loans and leases to deposits | 88.6597% | 743 |
| Net loans and leases to core deposits | 96.8381% | 771 |
| Total domestic deposits to total assets | 83.0427% | 3,698 |
| Equity capital to assets | 10.7843% | 2,162 |
| Core capital (leverage) ratio | 9.7659% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,611,000 | 2,704 |
| Average earning assets | $229,583,667 | 2,766 |
| Average equity | $26,706,333 | 2,767 |
| Average total loans | $186,403,000 | 2,379 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 335 |
| Cost of funding earning assets | 0.7757% | 398 |
| Net interest margin | 4.2585% | 554 |
| Noninterest income to average assets | 0.2699% | 3,784 |
| Noninterest expense to average assets | 3.1298% | 805 |
| Loan and lease loss provision to assets | 0.5399% | 114 |
| Net operating income to assets | 0.3748% | 4,406 |
| Return on assets (ROA) | 0.3748% | 4,435 |
| Pretax return on assets | 0.4026% | 4,480 |
| Return on Equity (ROE) | 3.6660% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.6660% | 3,602 |
| Net charge-offs to loans | -0.6655% | 4,902 |
| Credit loss provision to net charge-offs | -112.9032% | 2,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0833% | 1,486 |
| Assets per employee ($millions) | 4.2485% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 4,431 |
| Loan loss allowance to noncurrent loans | 29.9918% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 284 |
| Noncurrent loans to loans | 2.6237% | 342 |
| Net loans and leases to total assets | 71.0317% | 1,148 |
| Net loans and leases to deposits | 84.8023% | 1,067 |
| Net loans and leases to core deposits | 92.0613% | 1,110 |
| Total domestic deposits to total assets | 83.7615% | 3,506 |
| Equity capital to assets | 10.2660% | 2,465 |
| Core capital (leverage) ratio | 9.3458% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,312,500 | 2,678 |
| Average earning assets | $231,538,000 | 2,733 |
| Average equity | $26,514,000 | 2,767 |
| Average total loans | $186,314,000 | 2,388 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 517 |
| Cost of funding earning assets | 1.2344% | 242 |
| Net interest margin | 3.7390% | 1,668 |
| Noninterest income to average assets | 0.2198% | 4,181 |
| Noninterest expense to average assets | 3.5759% | 622 |
| Loan and lease loss provision to assets | 1.1258% | 67 |
| Net operating income to assets | -1.0383% | 4,934 |
| Return on assets (ROA) | -1.0383% | 4,935 |
| Pretax return on assets | -1.1421% | 4,934 |
| Return on Equity (ROE) | -9.9117% | 4,943 |
| Retained earnings to average equity (ytd only) | -12.0901% | 4,929 |
| Net charge-offs to loans | 1.4024% | 74 |
| Credit loss provision to net charge-offs | 110.4066% | 2,719 |
| Earnings coverage of net charge-offs (x) | -0.0160% | 3,339 |
| Efficiency ratio | 94.2515% | 264 |
| Assets per employee ($millions) | 4.3245% | 4,095 |
| Cash dividends to net income (ytd only)* | -21.9780% | 4,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4276% | 4,840 |
| Loan loss allowance to noncurrent loans | 20.7954% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.4826% | 497 |
| Noncurrent loans to loans | 2.0563% | 544 |
| Net loans and leases to total assets | 71.7947% | 1,316 |
| Net loans and leases to deposits | 85.6814% | 1,275 |
| Net loans and leases to core deposits | 93.9509% | 1,252 |
| Total domestic deposits to total assets | 83.7927% | 3,170 |
| Equity capital to assets | 10.1835% | 2,946 |
| Core capital (leverage) ratio | 9.0009% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,929,400 | 2,501 |
| Average earning assets | $234,848,600 | 2,560 |
| Average equity | $27,543,200 | 2,634 |
| Average total loans | $191,173,400 | 2,317 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 681 |
| Cost of funding earning assets | 1.3177% | 229 |
| Net interest margin | 3.6220% | 2,187 |
| Noninterest income to average assets | 0.2012% | 4,269 |
| Noninterest expense to average assets | 3.6816% | 551 |
| Loan and lease loss provision to assets | 0.7127% | 293 |
| Net operating income to assets | -0.8471% | 4,935 |
| Return on assets (ROA) | -0.8471% | 4,940 |
| Pretax return on assets | -0.9588% | 4,940 |
| Return on Equity (ROE) | -8.0315% | 4,946 |
| Retained earnings to average equity (ytd only) | -10.9067% | 4,939 |
| Net charge-offs to loans | 0.1367% | 1,059 |
| Credit loss provision to net charge-offs | 715.7360% | 1,049 |
| Earnings coverage of net charge-offs (x) | -2.4721% | 3,173 |
| Efficiency ratio | 100.7503% | 169 |
| Assets per employee ($millions) | 4.2958% | 4,052 |
| Cash dividends to net income (ytd only)* | -35.7995% | 5,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 3,997 |
| Loan loss allowance to noncurrent loans | 14.2787% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 4.6343% | 65 |
| Noncurrent loans to loans | 6.4616% | 65 |
| Net loans and leases to total assets | 71.0596% | 1,806 |
| Net loans and leases to deposits | 86.3221% | 1,658 |
| Net loans and leases to core deposits | 95.0143% | 1,540 |
| Total domestic deposits to total assets | 82.3191% | 3,338 |
| Equity capital to assets | 10.2582% | 3,002 |
| Core capital (leverage) ratio | 9.2015% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,794,500 | 2,481 |
| Average earning assets | $235,557,250 | 2,537 |
| Average equity | $27,823,250 | 2,604 |
| Average total loans | $192,177,250 | 2,306 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 625 |
| Cost of funding earning assets | 1.4269% | 208 |
| Net interest margin | 3.7275% | 2,061 |
| Noninterest income to average assets | 0.1611% | 4,486 |
| Noninterest expense to average assets | 3.9133% | 451 |
| Loan and lease loss provision to assets | 0.9305% | 234 |
| Net operating income to assets | -1.1854% | 4,975 |
| Return on assets (ROA) | -1.1854% | 4,976 |
| Pretax return on assets | -1.3488% | 4,977 |
| Return on Equity (ROE) | -11.1382% | 4,994 |
| Retained earnings to average equity (ytd only) | -15.4030% | 4,986 |
| Net charge-offs to loans | 0.0124% | 2,522 |
| Credit loss provision to net charge-offs | 10,250.0000% | 117 |
| Earnings coverage of net charge-offs (x) | -46.0833% | 3,016 |
| Efficiency ratio | 105.6710% | 134 |
| Assets per employee ($millions) | 4.0949% | 4,209 |
| Cash dividends to net income (ytd only)* | -38.2897% | 5,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,051 |
| Loan loss allowance to noncurrent loans | 15.4825% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 4.1560% | 80 |
| Noncurrent loans to loans | 5.7233% | 79 |
| Net loans and leases to total assets | 71.9723% | 1,707 |
| Net loans and leases to deposits | 86.8342% | 1,677 |
| Net loans and leases to core deposits | 97.4246% | 1,464 |
| Total domestic deposits to total assets | 82.8847% | 3,117 |
| Equity capital to assets | 9.9789% | 3,225 |
| Core capital (leverage) ratio | 9.1446% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,377,667 | 2,446 |
| Average earning assets | $236,459,333 | 2,513 |
| Average equity | $28,137,333 | 2,578 |
| Average total loans | $193,589,000 | 2,270 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6936% | 250 |
| Cost of funding earning assets | 1.6093% | 184 |
| Net interest margin | 4.0843% | 1,166 |
| Noninterest income to average assets | 0.3458% | 3,450 |
| Noninterest expense to average assets | 3.5404% | 876 |
| Loan and lease loss provision to assets | 0.5814% | 480 |
| Net operating income to assets | 0.0734% | 4,685 |
| Return on assets (ROA) | 0.0734% | 4,678 |
| Pretax return on assets | -0.1454% | 4,789 |
| Return on Equity (ROE) | 0.6685% | 4,670 |
| Retained earnings to average equity (ytd only) | -7.6876% | 4,676 |
| Net charge-offs to loans | 0.0021% | 2,521 |
| Credit loss provision to net charge-offs | 38,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 285.0000% | 249 |
| Efficiency ratio | 83.4552% | 868 |
| Assets per employee ($millions) | 4.2859% | 3,548 |
| Cash dividends to net income (ytd only)* | 1,250.0000% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4579% | 4,912 |
| Loan loss allowance to noncurrent loans | 5.0807% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 6.8391% | 34 |
| Noncurrent loans to loans | 9.0118% | 35 |
| Net loans and leases to total assets | 73.6346% | 1,672 |
| Net loans and leases to deposits | 86.5230% | 1,925 |
| Net loans and leases to core deposits | 99.4576% | 1,515 |
| Total domestic deposits to total assets | 85.1040% | 2,374 |
| Equity capital to assets | 10.6829% | 3,158 |
| Core capital (leverage) ratio | 9.6975% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,436,000 | 2,424 |
| Average earning assets | $232,401,500 | 2,487 |
| Average equity | $28,721,500 | 2,533 |
| Average total loans | $192,257,500 | 2,239 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5504% | 104 |
| Cost of funding earning assets | 1.6386% | 259 |
| Net interest margin | 4.9118% | 323 |
| Noninterest income to average assets | 0.3769% | 3,442 |
| Noninterest expense to average assets | 4.0519% | 501 |
| Loan and lease loss provision to assets | 0.2961% | 572 |
| Net operating income to assets | 0.3425% | 4,691 |
| Return on assets (ROA) | 0.3658% | 4,687 |
| Pretax return on assets | 0.3841% | 4,739 |
| Return on Equity (ROE) | 3.4521% | 4,584 |
| Retained earnings to average equity (ytd only) | 2.7041% | 3,684 |
| Net charge-offs to loans | 0.1364% | 1,419 |
| Credit loss provision to net charge-offs | 291.7969% | 964 |
| Earnings coverage of net charge-offs (x) | 6.4609% | 2,977 |
| Efficiency ratio | 73.0067% | 1,734 |
| Assets per employee ($millions) | 3.9561% | 3,955 |
| Cash dividends to net income (ytd only)* | 21.6685% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2772% | 5,054 |
| Loan loss allowance to noncurrent loans | 38.5640% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 1,789 |
| Noncurrent loans to loans | 0.7188% | 2,084 |
| Net loans and leases to total assets | 72.8877% | 1,936 |
| Net loans and leases to deposits | 86.7503% | 2,003 |
| Net loans and leases to core deposits | 99.3380% | 1,619 |
| Total domestic deposits to total assets | 84.0202% | 2,840 |
| Equity capital to assets | 11.2993% | 2,706 |
| Core capital (leverage) ratio | 10.6509% | 2,808 |
| Tier 1 risk-based capital ratio | 13.2476% | 3,650 |
| Total risk-based capital ratio | 13.4998% | 4,087 |
| Memoranda: | ||
| Average total assets | $252,301,000 | 2,446 |
| Average earning assets | $222,443,800 | 2,518 |
| Average equity | $26,737,000 | 2,577 |
| Average total loans | $187,720,800 | 2,250 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5088% | 110 |
| Cost of funding earning assets | 1.6197% | 274 |
| Net interest margin | 4.8892% | 351 |
| Noninterest income to average assets | 0.3595% | 3,576 |
| Noninterest expense to average assets | 3.9173% | 584 |
| Loan and lease loss provision to assets | 0.2469% | 669 |
| Net operating income to assets | 0.5156% | 4,481 |
| Return on assets (ROA) | 0.5485% | 4,462 |
| Pretax return on assets | 0.5337% | 4,647 |
| Return on Equity (ROE) | 5.2605% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.2420% | 3,275 |
| Net charge-offs to loans | 0.0568% | 2,016 |
| Credit loss provision to net charge-offs | 581.2500% | 560 |
| Earnings coverage of net charge-offs (x) | 17.6007% | 2,084 |
| Efficiency ratio | 71.0985% | 1,955 |
| Assets per employee ($millions) | 4.7359% | 2,867 |
| Cash dividends to net income (ytd only)* | 19.3611% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2130% | 5,156 |
| Loan loss allowance to noncurrent loans | 9.7304% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 568 |
| Noncurrent loans to loans | 2.1891% | 583 |
| Net loans and leases to total assets | 74.6378% | 1,696 |
| Net loans and leases to deposits | 89.9897% | 1,698 |
| Net loans and leases to core deposits | 103.0150% | 1,410 |
| Total domestic deposits to total assets | 82.9403% | 3,192 |
| Equity capital to assets | 11.2011% | 2,922 |
| Core capital (leverage) ratio | 10.1245% | 3,500 |
| Tier 1 risk-based capital ratio | 11.6393% | 4,596 |
| Total risk-based capital ratio | 11.8265% | 4,982 |
| Memoranda: | ||
| Average total assets | $251,087,750 | 2,473 |
| Average earning assets | $221,109,250 | 2,547 |
| Average equity | $26,182,000 | 2,624 |
| Average total loans | $187,670,250 | 2,277 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7835% | 85 |
| Cost of funding earning assets | 1.5909% | 280 |
| Net interest margin | 5.1926% | 201 |
| Noninterest income to average assets | 0.3296% | 3,736 |
| Noninterest expense to average assets | 4.4070% | 334 |
| Loan and lease loss provision to assets | 0.1830% | 974 |
| Net operating income to assets | 0.3458% | 4,810 |
| Return on assets (ROA) | 0.3458% | 4,827 |
| Pretax return on assets | 0.3458% | 4,892 |
| Return on Equity (ROE) | 3.3854% | 4,706 |
| Retained earnings to average equity (ytd only) | 1.8071% | 4,172 |
| Net charge-offs to loans | -0.0011% | 3,901 |
| Credit loss provision to net charge-offs | -22,700.0000% | 4,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1718% | 1,250 |
| Assets per employee ($millions) | 4.8041% | 2,735 |
| Cash dividends to net income (ytd only)* | 46.6200% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1346% | 5,230 |
| Loan loss allowance to noncurrent loans | 7.2188% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 749 |
| Noncurrent loans to loans | 1.8647% | 804 |
| Net loans and leases to total assets | 75.1762% | 1,695 |
| Net loans and leases to deposits | 89.6388% | 1,779 |
| Net loans and leases to core deposits | 101.4765% | 1,597 |
| Total domestic deposits to total assets | 83.8657% | 2,923 |
| Equity capital to assets | 11.3102% | 2,776 |
| Core capital (leverage) ratio | 9.6948% | 3,936 |
| Tier 1 risk-based capital ratio | 12.2747% | 4,253 |
| Total risk-based capital ratio | 12.5080% | 4,694 |
| Memoranda: | ||
| Average total assets | $248,150,000 | 2,503 |
| Average earning assets | $220,123,000 | 2,562 |
| Average equity | $25,344,000 | 2,685 |
| Average total loans | $185,211,670 | 2,301 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7046% | 362 |
| Cost of funding earning assets | 1.3535% | 545 |
| Net interest margin | 4.3511% | 1,006 |
| Noninterest income to average assets | 0.3265% | 3,668 |
| Noninterest expense to average assets | 2.8191% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3899% | 1,404 |
| Return on assets (ROA) | 1.3899% | 1,440 |
| Pretax return on assets | 1.3899% | 2,119 |
| Return on Equity (ROE) | 15.1378% | 723 |
| Retained earnings to average equity (ytd only) | 13.3506% | 421 |
| Net charge-offs to loans | -0.0044% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9786% | 2,798 |
| Assets per employee ($millions) | 4.5895% | 3,061 |
| Cash dividends to net income (ytd only)* | 11.8064% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 768 |
| Loan loss allowance to noncurrent loans | 21.3827% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 5.7816% | 54 |
| Noncurrent loans to loans | 8.2112% | 41 |
| Net loans and leases to total assets | 67.6756% | 2,807 |
| Net loans and leases to deposits | 79.6812% | 2,878 |
| Net loans and leases to core deposits | 94.7144% | 2,058 |
| Total domestic deposits to total assets | 84.9330% | 2,702 |
| Equity capital to assets | 9.9972% | 3,831 |
| Core capital (leverage) ratio | 9.5079% | 4,124 |
| Tier 1 risk-based capital ratio | 14.6012% | 3,061 |
| Total risk-based capital ratio | 15.8587% | 2,981 |
| Memoranda: | ||
| Average total assets | $243,764,000 | 2,558 |
| Average earning assets | $217,508,000 | 2,604 |
| Average equity | $22,381,000 | 2,933 |
| Average total loans | $182,308,000 | 2,345 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9360% | 181 |
| Cost of funding earning assets | 1.1590% | 398 |
| Net interest margin | 4.7770% | 417 |
| Noninterest income to average assets | 0.3718% | 3,606 |
| Noninterest expense to average assets | 3.2789% | 1,376 |
| Loan and lease loss provision to assets | 0.6853% | 151 |
| Net operating income to assets | 0.7231% | 4,061 |
| Return on assets (ROA) | 0.8221% | 3,720 |
| Pretax return on assets | 0.8617% | 4,002 |
| Return on Equity (ROE) | 9.0018% | 2,994 |
| Retained earnings to average equity (ytd only) | -18.5498% | 5,368 |
| Net charge-offs to loans | 0.3398% | 562 |
| Credit loss provision to net charge-offs | 247.8261% | 1,200 |
| Earnings coverage of net charge-offs (x) | 5.2174% | 3,210 |
| Efficiency ratio | 69.4426% | 2,300 |
| Assets per employee ($millions) | 3.4758% | 4,572 |
| Cash dividends to net income (ytd only)* | 306.0672% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 644 |
| Loan loss allowance to noncurrent loans | 169.7593% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 1,582 |
| Noncurrent loans to loans | 1.0800% | 1,510 |
| Net loans and leases to total assets | 80.2252% | 903 |
| Net loans and leases to deposits | 92.4438% | 1,492 |
| Net loans and leases to core deposits | 110.9568% | 945 |
| Total domestic deposits to total assets | 86.7827% | 1,882 |
| Equity capital to assets | 8.2368% | 5,072 |
| Core capital (leverage) ratio | 7.9545% | 5,251 |
| Tier 1 risk-based capital ratio | 9.7862% | 5,345 |
| Total risk-based capital ratio | 11.0422% | 5,310 |
| Memoranda: | ||
| Average total assets | $224,559,200 | 2,656 |
| Average earning assets | $204,481,600 | 2,686 |
| Average equity | $20,507,000 | 3,047 |
| Average total loans | $182,777,600 | 2,311 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8264% | 207 |
| Cost of funding earning assets | 1.0764% | 436 |
| Net interest margin | 4.7500% | 419 |
| Noninterest income to average assets | 0.3764% | 3,625 |
| Noninterest expense to average assets | 3.2117% | 1,495 |
| Loan and lease loss provision to assets | 0.3824% | 336 |
| Net operating income to assets | 1.0852% | 2,732 |
| Return on assets (ROA) | 1.0852% | 2,740 |
| Pretax return on assets | 1.1173% | 3,328 |
| Return on Equity (ROE) | 11.5972% | 1,957 |
| Retained earnings to average equity (ytd only) | -24.3065% | 5,446 |
| Net charge-offs to loans | 0.0007% | 3,474 |
| Credit loss provision to net charge-offs | 64,300.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,528.2556% | 25 |
| Efficiency ratio | 68.1686% | 2,507 |
| Assets per employee ($millions) | 3.5670% | 4,470 |
| Cash dividends to net income (ytd only)* | 309.5896% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 938 |
| Loan loss allowance to noncurrent loans | 188.1961% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 2,068 |
| Noncurrent loans to loans | 0.8845% | 1,930 |
| Net loans and leases to total assets | 79.2135% | 1,131 |
| Net loans and leases to deposits | 88.2059% | 2,128 |
| Net loans and leases to core deposits | 110.3276% | 1,012 |
| Total domestic deposits to total assets | 89.8051% | 571 |
| Equity capital to assets | 8.2126% | 5,078 |
| Core capital (leverage) ratio | 8.1597% | 5,269 |
| Tier 1 risk-based capital ratio | 9.1490% | 5,451 |
| Total risk-based capital ratio | 10.4423% | 5,445 |
| Memoranda: | ||
| Average total assets | $224,218,000 | 2,671 |
| Average earning assets | $204,626,500 | 2,701 |
| Average equity | $20,981,500 | 3,013 |
| Average total loans | $182,313,750 | 2,332 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7262% | 223 |
| Cost of funding earning assets | 0.9527% | 575 |
| Net interest margin | 4.7735% | 374 |
| Noninterest income to average assets | 0.3916% | 3,543 |
| Noninterest expense to average assets | 3.1425% | 1,683 |
| Loan and lease loss provision to assets | 0.5801% | 180 |
| Net operating income to assets | 1.0114% | 2,968 |
| Return on assets (ROA) | 1.0114% | 2,972 |
| Pretax return on assets | 1.0312% | 3,562 |
| Return on Equity (ROE) | 10.3660% | 2,398 |
| Retained earnings to average equity (ytd only) | -11.3647% | 5,433 |
| Net charge-offs to loans | -0.0177% | 4,514 |
| Credit loss provision to net charge-offs | -4,018.7500% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1036% | 2,960 |
| Assets per employee ($millions) | 3.3044% | 4,813 |
| Cash dividends to net income (ytd only)* | 209.6343% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 943 |
| Loan loss allowance to noncurrent loans | 85.7613% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.5986% | 803 |
| Noncurrent loans to loans | 1.9536% | 780 |
| Net loans and leases to total assets | 80.4607% | 948 |
| Net loans and leases to deposits | 90.9274% | 1,716 |
| Net loans and leases to core deposits | 112.0691% | 880 |
| Total domestic deposits to total assets | 88.4889% | 1,147 |
| Equity capital to assets | 9.4765% | 4,131 |
| Core capital (leverage) ratio | 9.9529% | 3,630 |
| Tier 1 risk-based capital ratio | 12.1809% | 4,381 |
| Total risk-based capital ratio | 13.4846% | 4,234 |
| Memoranda: | ||
| Average total assets | $221,673,330 | 2,716 |
| Average earning assets | $202,578,000 | 2,730 |
| Average equity | $21,628,330 | 2,958 |
| Average total loans | $180,829,330 | 2,349 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6933% | 211 |
| Cost of funding earning assets | 0.8799% | 661 |
| Net interest margin | 4.8134% | 335 |
| Noninterest income to average assets | 0.3570% | 3,759 |
| Noninterest expense to average assets | 2.4055% | 3,927 |
| Loan and lease loss provision to assets | 0.1886% | 898 |
| Net operating income to assets | 2.1309% | 277 |
| Return on assets (ROA) | 2.1309% | 277 |
| Pretax return on assets | 2.1693% | 402 |
| Return on Equity (ROE) | 21.5202% | 175 |
| Retained earnings to average equity (ytd only) | 21.5202% | 79 |
| Net charge-offs to loans | -0.1708% | 5,343 |
| Credit loss provision to net charge-offs | -135.5263% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4996% | 5,057 |
| Assets per employee ($millions) | 3.1416% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,525 |
| Loan loss allowance to noncurrent loans | 186.9965% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9074% | 1,749 |
| Noncurrent loans to loans | 0.7927% | 2,226 |
| Net loans and leases to total assets | 81.1260% | 774 |
| Net loans and leases to deposits | 95.2488% | 1,103 |
| Net loans and leases to core deposits | 104.5480% | 1,343 |
| Total domestic deposits to total assets | 85.1727% | 2,871 |
| Equity capital to assets | 10.2570% | 3,327 |
| Core capital (leverage) ratio | 10.0183% | 3,512 |
| Tier 1 risk-based capital ratio | 13.2357% | 3,824 |
| Total risk-based capital ratio | 14.5395% | 3,691 |
| Memoranda: | ||
| Average total assets | $218,503,000 | 2,770 |
| Average earning assets | $200,024,000 | 2,785 |
| Average equity | $21,635,500 | 2,985 |
| Average total loans | $177,953,000 | 2,383 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 179 |
| Cost of funding earning assets | 0.9038% | 367 |
| Net interest margin | 4.8486% | 314 |
| Noninterest income to average assets | 0.4405% | 3,369 |
| Noninterest expense to average assets | 3.5064% | 1,022 |
| Loan and lease loss provision to assets | 0.2643% | 687 |
| Net operating income to assets | 1.0097% | 2,198 |
| Return on assets (ROA) | 1.0105% | 2,228 |
| Pretax return on assets | 1.1158% | 3,120 |
| Return on Equity (ROE) | 10.1931% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.1931% | 328 |
| Net charge-offs to loans | 0.4237% | 582 |
| Credit loss provision to net charge-offs | 77.3196% | 2,985 |
| Earnings coverage of net charge-offs (x) | 4.0348% | 3,527 |
| Efficiency ratio | 71.7699% | 2,261 |
| Assets per employee ($millions) | 3.4958% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 1,806 |
| Loan loss allowance to noncurrent loans | 397.9032% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 2,780 |
| Noncurrent loans to loans | 0.3495% | 3,508 |
| Net loans and leases to total assets | 79.4312% | 1,048 |
| Net loans and leases to deposits | 92.5098% | 1,450 |
| Net loans and leases to core deposits | 100.1231% | 1,701 |
| Total domestic deposits to total assets | 85.8625% | 2,502 |
| Equity capital to assets | 9.5520% | 4,190 |
| Core capital (leverage) ratio | 9.3924% | 4,171 |
| Tier 1 risk-based capital ratio | 10.8505% | 5,231 |
| Total risk-based capital ratio | 12.1438% | 5,093 |
| Memoranda: | ||
| Average total assets | $227,011,600 | 2,659 |
| Average earning assets | $208,120,600 | 2,686 |
| Average equity | $22,505,400 | 2,902 |
| Average total loans | $183,148,000 | 2,291 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7459% | 177 |
| Cost of funding earning assets | 0.8982% | 346 |
| Net interest margin | 4.8477% | 302 |
| Noninterest income to average assets | 0.4297% | 3,478 |
| Noninterest expense to average assets | 3.3271% | 1,286 |
| Loan and lease loss provision to assets | 0.2623% | 643 |
| Net operating income to assets | 1.2057% | 1,667 |
| Return on assets (ROA) | 1.2068% | 1,697 |
| Pretax return on assets | 1.2872% | 2,558 |
| Return on Equity (ROE) | 12.0666% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.0666% | 292 |
| Net charge-offs to loans | 0.0426% | 2,589 |
| Credit loss provision to net charge-offs | 762.7119% | 451 |
| Earnings coverage of net charge-offs (x) | 45.0196% | 1,201 |
| Efficiency ratio | 68.2411% | 2,835 |
| Assets per employee ($millions) | 3.6634% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 987 |
| Loan loss allowance to noncurrent loans | 96.4859% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 849 |
| Noncurrent loans to loans | 1.7848% | 1,008 |
| Net loans and leases to total assets | 80.0249% | 982 |
| Net loans and leases to deposits | 94.7057% | 1,228 |
| Net loans and leases to core deposits | 104.2028% | 1,379 |
| Total domestic deposits to total assets | 84.4985% | 2,920 |
| Equity capital to assets | 10.9139% | 2,947 |
| Core capital (leverage) ratio | 10.7799% | 2,664 |
| Tier 1 risk-based capital ratio | 13.4420% | 3,739 |
| Total risk-based capital ratio | 14.7429% | 3,620 |
| Memoranda: | ||
| Average total assets | $228,705,250 | 2,672 |
| Average earning assets | $209,744,250 | 2,685 |
| Average equity | $22,872,500 | 2,893 |
| Average total loans | $184,584,000 | 2,292 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 269 |
| Cost of funding earning assets | 1.4744% | 21 |
| Net interest margin | 3.9567% | 1,749 |
| Noninterest income to average assets | 0.1678% | 5,218 |
| Noninterest expense to average assets | 3.0662% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6912% | 3,884 |
| Return on assets (ROA) | 0.6912% | 3,949 |
| Pretax return on assets | 0.7196% | 4,497 |
| Return on Equity (ROE) | 7.7997% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.7997% | 1,237 |
| Net charge-offs to loans | 0.0074% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 557 |
| Efficiency ratio | 80.9917% | 1,109 |
| Assets per employee ($millions) | 4.9300% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,420 |
| Loan loss allowance to noncurrent loans | 545.3333% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,353 |
| Noncurrent loans to loans | 0.2830% | 4,026 |
| Net loans and leases to total assets | 70.5774% | 2,432 |
| Net loans and leases to deposits | 77.6724% | 3,149 |
| Net loans and leases to core deposits | 90.9554% | 2,435 |
| Total domestic deposits to total assets | 90.8654% | 256 |
| Equity capital to assets | 8.5950% | 5,232 |
| Core capital (leverage) ratio | 8.6515% | 5,089 |
| Tier 1 risk-based capital ratio | 11.0279% | 5,234 |
| Total risk-based capital ratio | 12.2801% | 5,132 |
| Memoranda: | ||
| Average total assets | $70,315,330 | 4,860 |
| Average earning assets | $64,295,670 | 4,859 |
| Average equity | $6,231,000 | 5,155 |
| Average total loans | $54,320,670 | 4,409 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4787% | 237 |
| Cost of funding earning assets | 1.3966% | 25 |
| Net interest margin | 4.0820% | 1,263 |
| Noninterest income to average assets | 0.1985% | 5,079 |
| Noninterest expense to average assets | 3.1651% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7883% | 3,276 |
| Return on assets (ROA) | 0.7883% | 3,327 |
| Pretax return on assets | 0.7883% | 4,153 |
| Return on Equity (ROE) | 8.7542% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.7542% | 1,165 |
| Net charge-offs to loans | 0.0073% | 2,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 407 |
| Efficiency ratio | 80.0591% | 1,378 |
| Assets per employee ($millions) | 4.7325% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,570 |
| Loan loss allowance to noncurrent loans | 1,063.6364% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,834 |
| Noncurrent loans to loans | 0.1442% | 4,609 |
| Net loans and leases to total assets | 74.0896% | 1,719 |
| Net loans and leases to deposits | 81.6576% | 2,549 |
| Net loans and leases to core deposits | 95.0672% | 1,891 |
| Total domestic deposits to total assets | 90.7321% | 383 |
| Equity capital to assets | 8.8030% | 4,997 |
| Core capital (leverage) ratio | 9.1849% | 4,501 |
| Tier 1 risk-based capital ratio | 10.4247% | 5,574 |
| Total risk-based capital ratio | 11.6756% | 5,496 |
| Memoranda: | ||
| Average total assets | $68,498,000 | 4,940 |
| Average earning assets | $63,008,000 | 4,939 |
| Average equity | $6,168,500 | 5,210 |
| Average total loans | $54,976,000 | 4,426 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3369% | 81 |
| Cost of funding earning assets | 1.3811% | 25 |
| Net interest margin | 4.9558% | 269 |
| Noninterest income to average assets | 0.1898% | 5,268 |
| Noninterest expense to average assets | 3.4851% | 1,194 |
| Loan and lease loss provision to assets | 0.4605% | 306 |
| Net operating income to assets | 0.6675% | 3,919 |
| Return on assets (ROA) | 0.7504% | 3,654 |
| Pretax return on assets | 0.8401% | 4,047 |
| Return on Equity (ROE) | 7.2884% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.2884% | 1,118 |
| Net charge-offs to loans | 0.0021% | 4,204 |
| Credit loss provision to net charge-offs | 26,200.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 687.0000% | 115 |
| Efficiency ratio | 74.2697% | 2,254 |
| Assets per employee ($millions) | 4.7149% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,870 |
| Loan loss allowance to noncurrent loans | 1,051.2821% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,840 |
| Noncurrent loans to loans | 0.1380% | 4,675 |
| Net loans and leases to total assets | 84.4112% | 348 |
| Net loans and leases to deposits | 93.4600% | 1,251 |
| Net loans and leases to core deposits | 110.2168% | 887 |
| Total domestic deposits to total assets | 90.3180% | 507 |
| Equity capital to assets | 9.2230% | 4,557 |
| Core capital (leverage) ratio | 9.3123% | 4,334 |
| Tier 1 risk-based capital ratio | 10.0328% | 5,728 |
| Total risk-based capital ratio | 11.2836% | 5,682 |
| Memoranda: | ||
| Average total assets | $56,899,200 | 5,215 |
| Average earning assets | $51,696,800 | 5,215 |
| Average equity | $5,858,600 | 5,298 |
| Average total loans | $48,091,400 | 4,633 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4991% | 69 |
| Cost of funding earning assets | 1.3461% | 24 |
| Net interest margin | 5.1530% | 189 |
| Noninterest income to average assets | 0.2124% | 5,196 |
| Noninterest expense to average assets | 3.6444% | 927 |
| Loan and lease loss provision to assets | 0.6200% | 188 |
| Net operating income to assets | 0.5175% | 4,633 |
| Return on assets (ROA) | 0.6249% | 4,311 |
| Pretax return on assets | 0.7494% | 4,473 |
| Return on Equity (ROE) | 5.8836% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.8836% | 2,249 |
| Net charge-offs to loans | 0.0029% | 3,834 |
| Credit loss provision to net charge-offs | 25,400.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 509.2632% | 176 |
| Efficiency ratio | 74.6127% | 2,170 |
| Assets per employee ($millions) | 5.8215% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 2,006 |
| Loan loss allowance to noncurrent loans | 1,027.8481% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 4,934 |
| Noncurrent loans to loans | 0.1404% | 4,781 |
| Net loans and leases to total assets | 86.5982% | 211 |
| Net loans and leases to deposits | 95.9628% | 1,051 |
| Net loans and leases to core deposits | 113.8032% | 731 |
| Total domestic deposits to total assets | 90.2414% | 390 |
| Equity capital to assets | 9.2464% | 4,925 |
| Core capital (leverage) ratio | 9.4015% | 4,324 |
| Tier 1 risk-based capital ratio | 11.4777% | 5,100 |
| Total risk-based capital ratio | 12.7329% | 5,007 |
| Memoranda: | ||
| Average total assets | $54,621,750 | 5,302 |
| Average earning assets | $49,523,500 | 5,306 |
| Average equity | $5,801,250 | 5,370 |
| Average total loans | $45,979,500 | 4,732 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4982% | 76 |
| Cost of funding earning assets | 1.2953% | 36 |
| Net interest margin | 5.2029% | 166 |
| Noninterest income to average assets | 0.2175% | 5,186 |
| Noninterest expense to average assets | 3.8575% | 712 |
| Loan and lease loss provision to assets | 0.5866% | 189 |
| Net operating income to assets | 0.4545% | 4,854 |
| Return on assets (ROA) | 0.6604% | 4,139 |
| Pretax return on assets | 0.6604% | 4,739 |
| Return on Equity (ROE) | 5.9014% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.9014% | 2,180 |
| Net charge-offs to loans | 0.0047% | 3,540 |
| Credit loss provision to net charge-offs | 15,100.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 252 |
| Efficiency ratio | 78.7470% | 1,685 |
| Assets per employee ($millions) | 5.1937% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 2,210 |
| Loan loss allowance to noncurrent loans | 1,688.0952% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,245 |
| Noncurrent loans to loans | 0.0841% | 5,116 |
| Net loans and leases to total assets | 86.2089% | 239 |
| Net loans and leases to deposits | 96.5366% | 1,021 |
| Net loans and leases to core deposits | 110.1489% | 928 |
| Total domestic deposits to total assets | 89.3018% | 762 |
| Equity capital to assets | 10.2221% | 3,949 |
| Core capital (leverage) ratio | 10.4760% | 3,000 |
| Tier 1 risk-based capital ratio | 12.4804% | 4,542 |
| Total risk-based capital ratio | 13.7366% | 4,442 |
| Memoranda: | ||
| Average total assets | $51,483,670 | 5,427 |
| Average earning assets | $46,320,330 | 5,440 |
| Average equity | $5,761,330 | 5,431 |
| Average total loans | $42,550,670 | 4,880 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4394% | 80 |
| Cost of funding earning assets | 1.2010% | 56 |
| Net interest margin | 5.2384% | 165 |
| Noninterest income to average assets | 0.2221% | 5,149 |
| Noninterest expense to average assets | 3.8091% | 767 |
| Loan and lease loss provision to assets | 0.4936% | 253 |
| Net operating income to assets | 0.5841% | 4,254 |
| Return on assets (ROA) | 0.5841% | 4,371 |
| Pretax return on assets | 0.5841% | 4,866 |
| Return on Equity (ROE) | 4.9331% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.9331% | 2,984 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4444% | 5,858 |
| Assets per employee ($millions) | 4.5635% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 2,011 |
| Loan loss allowance to noncurrent loans | 429.8611% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 3,512 |
| Noncurrent loans to loans | 0.3478% | 4,188 |
| Net loans and leases to total assets | 81.2363% | 654 |
| Net loans and leases to deposits | 96.6923% | 872 |
| Net loans and leases to core deposits | 104.2275% | 1,179 |
| Total domestic deposits to total assets | 84.0153% | 3,513 |
| Equity capital to assets | 11.5403% | 2,406 |
| Core capital (leverage) ratio | 11.2393% | 2,192 |
| Tier 1 risk-based capital ratio | 14.1571% | 3,594 |
| Total risk-based capital ratio | 15.4171% | 3,517 |
| Memoranda: | ||
| Average total assets | $48,620,000 | 5,536 |
| Average earning assets | $43,296,000 | 5,567 |
| Average equity | $5,757,000 | 5,461 |
| Average total loans | $38,845,500 | 5,052 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8936% | 146 |
| Cost of funding earning assets | 0.9516% | 218 |
| Net interest margin | 4.9420% | 283 |
| Noninterest income to average assets | 0.2259% | 5,243 |
| Noninterest expense to average assets | 3.9435% | 723 |
| Loan and lease loss provision to assets | 0.3094% | 544 |
| Net operating income to assets | 0.3569% | 5,194 |
| Return on assets (ROA) | 0.3569% | 5,278 |
| Pretax return on assets | 0.4065% | 5,308 |
| Return on Equity (ROE) | 2.8090% | 5,366 |
| Retained earnings to average equity (ytd only) | 2.8090% | 4,071 |
| Net charge-offs to loans | 0.0091% | 4,138 |
| Credit loss provision to net charge-offs | 4,566.6667% | 82 |
| Earnings coverage of net charge-offs (x) | 105.6667% | 549 |
| Efficiency ratio | 84.6340% | 1,128 |
| Assets per employee ($millions) | 4.2765% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 1,828 |
| Loan loss allowance to noncurrent loans | 161.5607% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.7355% | 2,855 |
| Noncurrent loans to loans | 0.9534% | 2,427 |
| Net loans and leases to total assets | 75.9619% | 1,426 |
| Net loans and leases to deposits | 89.0611% | 1,737 |
| Net loans and leases to core deposits | 105.0784% | 1,156 |
| Total domestic deposits to total assets | 85.2919% | 2,957 |
| Equity capital to assets | 12.1615% | 1,839 |
| Core capital (leverage) ratio | 11.6601% | 1,840 |
| Tier 1 risk-based capital ratio | 15.7642% | 2,797 |
| Total risk-based capital ratio | 17.0113% | 2,740 |
| Memoranda: | ||
| Average total assets | $44,275,600 | 5,677 |
| Average earning assets | $39,721,000 | 5,688 |
| Average equity | $5,624,800 | 5,521 |
| Average total loans | $33,100,200 | 5,256 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9651% | 137 |
| Cost of funding earning assets | 0.8890% | 304 |
| Net interest margin | 5.0761% | 218 |
| Noninterest income to average assets | 0.1958% | 5,478 |
| Noninterest expense to average assets | 4.0014% | 664 |
| Loan and lease loss provision to assets | 0.2906% | 524 |
| Net operating income to assets | 0.4803% | 4,856 |
| Return on assets (ROA) | 0.4803% | 4,958 |
| Pretax return on assets | 0.4803% | 5,269 |
| Return on Equity (ROE) | 3.7375% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,816 |
| Net charge-offs to loans | 0.0165% | 3,625 |
| Credit loss provision to net charge-offs | 2,375.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 63.0375% | 884 |
| Efficiency ratio | 83.8462% | 1,195 |
| Assets per employee ($millions) | 4.1878% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 2,257 |
| Loan loss allowance to noncurrent loans | 2,345.4545% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,583 |
| Noncurrent loans to loans | 0.0629% | 5,367 |
| Net loans and leases to total assets | 74.7818% | 1,590 |
| Net loans and leases to deposits | 85.8863% | 2,156 |
| Net loans and leases to core deposits | 108.5076% | 955 |
| Total domestic deposits to total assets | 87.0707% | 2,000 |
| Equity capital to assets | 12.3714% | 1,813 |
| Core capital (leverage) ratio | 11.5708% | 1,984 |
| Tier 1 risk-based capital ratio | 17.2539% | 2,277 |
| Total risk-based capital ratio | 18.5119% | 2,227 |
| Memoranda: | ||
| Average total assets | $43,584,000 | 5,768 |
| Average earning assets | $39,294,000 | 5,774 |
| Average equity | $5,600,750 | 5,592 |
| Average total loans | $32,302,000 | 5,347 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7715% | 171 |
| Cost of funding earning assets | 0.8119% | 466 |
| Net interest margin | 4.9596% | 267 |
| Noninterest income to average assets | 0.2011% | 5,474 |
| Noninterest expense to average assets | 3.6392% | 1,063 |
| Loan and lease loss provision to assets | 0.4023% | 290 |
| Net operating income to assets | 0.6455% | 4,145 |
| Return on assets (ROA) | 0.6455% | 4,254 |
| Pretax return on assets | 0.6455% | 4,837 |
| Return on Equity (ROE) | 4.9569% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.9569% | 2,885 |
| Net charge-offs to loans | 0.0191% | 3,310 |
| Credit loss provision to net charge-offs | 2,866.6667% | 149 |
| Earnings coverage of net charge-offs (x) | 74.6667% | 745 |
| Efficiency ratio | 77.6447% | 2,117 |
| Assets per employee ($millions) | 3.9305% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 2,373 |
| Loan loss allowance to noncurrent loans | 179.5053% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 3,445 |
| Noncurrent loans to loans | 0.8255% | 3,059 |
| Net loans and leases to total assets | 78.1155% | 1,055 |
| Net loans and leases to deposits | 110.9709% | 243 |
| Net loans and leases to core deposits | 111.9345% | 749 |
| Total domestic deposits to total assets | 70.3927% | 6,020 |
| Equity capital to assets | 13.0146% | 1,398 |
| Core capital (leverage) ratio | 12.4832% | 1,391 |
| Tier 1 risk-based capital ratio | 18.8365% | 1,829 |
| Total risk-based capital ratio | 20.0978% | 1,797 |
| Memoranda: | ||
| Average total assets | $42,756,670 | 5,851 |
| Average earning assets | $38,672,670 | 5,847 |
| Average equity | $5,568,000 | 5,648 |
| Average total loans | $31,414,330 | 5,416 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 432 |
| Cost of funding earning assets | 0.7896% | 536 |
| Net interest margin | 4.3739% | 774 |
| Noninterest income to average assets | 0.2070% | 5,474 |
| Noninterest expense to average assets | 3.3963% | 1,496 |
| Loan and lease loss provision to assets | 0.7244% | 118 |
| Net operating income to assets | 0.0470% | 5,955 |
| Return on assets (ROA) | 0.0470% | 6,002 |
| Pretax return on assets | 0.0470% | 6,000 |
| Return on Equity (ROE) | 0.3611% | 6,004 |
| Retained earnings to average equity (ytd only) | 0.3611% | 5,255 |
| Net charge-offs to loans | 0.0400% | 2,422 |
| Credit loss provision to net charge-offs | 2,566.6667% | 155 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,208 |
| Efficiency ratio | 81.4898% | 1,687 |
| Assets per employee ($millions) | 3.9944% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 2,337 |
| Loan loss allowance to noncurrent loans | 415.8333% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 4,855 |
| Noncurrent loans to loans | 0.3674% | 4,489 |
| Net loans and leases to total assets | 73.2054% | 1,618 |
| Net loans and leases to deposits | 84.1663% | 2,050 |
| Net loans and leases to core deposits | 112.0654% | 653 |
| Total domestic deposits to total assets | 86.9771% | 2,382 |
| Equity capital to assets | 12.6360% | 1,607 |
| Core capital (leverage) ratio | 13.0447% | 1,140 |
| Tier 1 risk-based capital ratio | 16.2589% | 2,796 |
| Total risk-based capital ratio | 17.5115% | 2,739 |
| Memoranda: | ||
| Average total assets | $42,517,000 | 5,906 |
| Average earning assets | $38,501,500 | 5,907 |
| Average equity | $5,538,500 | 5,707 |
| Average total loans | $29,980,500 | 5,510 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4984% | 313 |
| Cost of funding earning assets | 0.8235% | 573 |
| Net interest margin | 4.6749% | 544 |
| Noninterest income to average assets | 0.2754% | 5,147 |
| Noninterest expense to average assets | 4.0858% | 694 |
| Loan and lease loss provision to assets | 0.2726% | 791 |
| Net operating income to assets | 0.2079% | 5,748 |
| Return on assets (ROA) | 0.2079% | 5,811 |
| Pretax return on assets | 0.2079% | 5,859 |
| Return on Equity (ROE) | 1.6900% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.6900% | 4,969 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4769% | 880 |
| Assets per employee ($millions) | 3.7265% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 2,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.5543% | 2,970 |
| Net loans and leases to deposits | 75.8817% | 3,211 |
| Net loans and leases to core deposits | 92.1884% | 2,068 |
| Total domestic deposits to total assets | 86.3900% | 2,625 |
| Equity capital to assets | 13.2245% | 1,262 |
| Core capital (leverage) ratio | 13.5137% | 965 |
| Tier 1 risk-based capital ratio | 18.7993% | 1,908 |
| Total risk-based capital ratio | 20.0540% | 1,870 |
| Memoranda: | ||
| Average total assets | $35,586,800 | 6,143 |
| Average earning assets | $32,663,800 | 6,124 |
| Average equity | $4,378,600 | 6,015 |
| Average total loans | $25,941,400 | 5,737 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 224 |
| Cost of funding earning assets | 0.8244% | 611 |
| Net interest margin | 4.8831% | 355 |
| Noninterest income to average assets | 0.2843% | 5,169 |
| Noninterest expense to average assets | 4.3307% | 541 |
| Loan and lease loss provision to assets | 0.3778% | 457 |
| Net operating income to assets | 0.0740% | 6,057 |
| Return on assets (ROA) | 0.0740% | 6,085 |
| Pretax return on assets | 0.0740% | 6,090 |
| Return on Equity (ROE) | 0.6151% | 6,084 |
| Retained earnings to average equity (ytd only) | 0.6151% | 5,623 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5537% | 804 |
| Assets per employee ($millions) | 3.8595% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 2,426 |
| Loan loss allowance to noncurrent loans | 21,250.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 6,184 |
| Noncurrent loans to loans | 0.0074% | 6,014 |
| Net loans and leases to total assets | 69.1307% | 2,338 |
| Net loans and leases to deposits | 79.7471% | 2,728 |
| Net loans and leases to core deposits | 99.0166% | 1,448 |
| Total domestic deposits to total assets | 86.6874% | 2,484 |
| Equity capital to assets | 12.7452% | 1,562 |
| Core capital (leverage) ratio | 12.7383% | 1,285 |
| Tier 1 risk-based capital ratio | 17.8754% | 2,243 |
| Total risk-based capital ratio | 19.1306% | 2,208 |
| Memoranda: | ||
| Average total assets | $34,235,500 | 6,248 |
| Average earning assets | $31,536,500 | 6,228 |
| Average equity | $4,118,000 | 6,133 |
| Average total loans | $25,602,500 | 5,807 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6821% | 226 |
| Cost of funding earning assets | 0.8080% | 675 |
| Net interest margin | 4.8741% | 361 |
| Noninterest income to average assets | 0.3111% | 4,929 |
| Noninterest expense to average assets | 4.5024% | 448 |
| Loan and lease loss provision to assets | 0.5552% | 262 |
| Net operating income to assets | -0.2196% | 6,329 |
| Return on assets (ROA) | -0.2196% | 6,339 |
| Pretax return on assets | -0.2196% | 6,323 |
| Return on Equity (ROE) | -1.8696% | 6,325 |
| Retained earnings to average equity (ytd only) | -1.8696% | 5,977 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0643% | 690 |
| Assets per employee ($millions) | 3.2791% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 2,956 |
| Loan loss allowance to noncurrent loans | 64.8607% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.7910% | 1,809 |
| Noncurrent loans to loans | 2.2957% | 1,415 |
| Net loans and leases to total assets | 76.8506% | 1,068 |
| Net loans and leases to deposits | 86.3551% | 1,786 |
| Net loans and leases to core deposits | 108.3278% | 752 |
| Total domestic deposits to total assets | 88.9936% | 1,355 |
| Equity capital to assets | 10.7375% | 3,160 |
| Core capital (leverage) ratio | 11.3690% | 2,104 |
| Tier 1 risk-based capital ratio | 14.1215% | 4,180 |
| Total risk-based capital ratio | 15.3739% | 4,112 |
| Memoranda: | ||
| Average total assets | $32,782,330 | 6,333 |
| Average earning assets | $30,446,670 | 6,307 |
| Average equity | $3,851,000 | 6,230 |
| Average total loans | $25,101,330 | 5,877 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6906% | 230 |
| Cost of funding earning assets | 0.8431% | 602 |
| Net interest margin | 4.8475% | 354 |
| Noninterest income to average assets | 0.3083% | 4,897 |
| Noninterest expense to average assets | 4.7658% | 365 |
| Loan and lease loss provision to assets | 0.6166% | 213 |
| Net operating income to assets | -0.6423% | 6,512 |
| Return on assets (ROA) | -0.6423% | 6,511 |
| Pretax return on assets | -0.6423% | 6,493 |
| Return on Equity (ROE) | -5.2083% | 6,474 |
| Retained earnings to average equity (ytd only) | -5.2083% | 6,134 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5420% | 451 |
| Assets per employee ($millions) | 2.6723% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 2,852 |
| Loan loss allowance to noncurrent loans | 2,685.7143% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 6,157 |
| Noncurrent loans to loans | 0.0583% | 5,978 |
| Net loans and leases to total assets | 73.6895% | 1,314 |
| Net loans and leases to deposits | 83.9432% | 1,825 |
| Net loans and leases to core deposits | 96.4136% | 1,355 |
| Total domestic deposits to total assets | 87.7850% | 2,358 |
| Equity capital to assets | 11.9406% | 1,909 |
| Core capital (leverage) ratio | 12.6118% | 1,337 |
| Tier 1 risk-based capital ratio | 16.5227% | 2,888 |
| Total risk-based capital ratio | 17.7770% | 2,854 |
| Memoranda: | ||
| Average total assets | $31,138,500 | 6,433 |
| Average earning assets | $28,468,000 | 6,409 |
| Average equity | $3,840,000 | 6,280 |
| Average total loans | $23,582,500 | 6,000 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4617% | 389 |
| Cost of funding earning assets | 0.9821% | 491 |
| Net interest margin | 4.4796% | 768 |
| Noninterest income to average assets | 0.3053% | 5,158 |
| Noninterest expense to average assets | 5.4916% | 247 |
| Loan and lease loss provision to assets | 0.5172% | 537 |
| Net operating income to assets | -1.5240% | 6,679 |
| Return on assets (ROA) | -1.4043% | 6,664 |
| Pretax return on assets | -1.4366% | 6,658 |
| Return on Equity (ROE) | -15.8197% | 6,652 |
| Retained earnings to average equity (ytd only) | -15.8197% | 6,628 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.4060% | 156 |
| Assets per employee ($millions) | 2.7464% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 3,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 75.5743% | 1,134 |
| Net loans and leases to deposits | 86.9620% | 1,580 |
| Net loans and leases to core deposits | 91.2802% | 1,877 |
| Total domestic deposits to total assets | 86.9050% | 2,776 |
| Equity capital to assets | 12.7474% | 1,398 |
| Core capital (leverage) ratio | 12.2714% | 1,460 |
| Tier 1 risk-based capital ratio | 16.5789% | 2,807 |
| Total risk-based capital ratio | 17.8312% | 2,780 |
| Memoranda: | ||
| Average total assets | $27,842,600 | 6,563 |
| Average earning assets | $25,761,000 | 6,532 |
| Average equity | $2,471,600 | 6,637 |
| Average total loans | $19,269,600 | 6,239 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 806 |
| Cost of funding earning assets | 0.9965% | 503 |
| Net interest margin | 4.0802% | 1,691 |
| Noninterest income to average assets | 0.2691% | 5,529 |
| Noninterest expense to average assets | 5.4505% | 256 |
| Loan and lease loss provision to assets | 0.5969% | 407 |
| Net operating income to assets | -1.9718% | 6,801 |
| Return on assets (ROA) | -1.8005% | 6,792 |
| Pretax return on assets | -1.8005% | 6,788 |
| Return on Equity (ROE) | -23.0704% | 6,786 |
| Retained earnings to average equity (ytd only) | -23.0704% | 6,774 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.7335% | 114 |
| Assets per employee ($millions) | 3.0509% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.6355% | 592 |
| Net loans and leases to deposits | 87.3140% | 1,456 |
| Net loans and leases to core deposits | 104.4585% | 852 |
| Total domestic deposits to total assets | 91.2059% | 456 |
| Equity capital to assets | 8.4762% | 5,758 |
| Core capital (leverage) ratio | 10.3311% | 3,198 |
| Tier 1 risk-based capital ratio | 10.4554% | 6,470 |
| Total risk-based capital ratio | 11.7038% | 6,437 |
| Memoranda: | ||
| Average total assets | $27,250,750 | 6,654 |
| Average earning assets | $25,423,000 | 6,619 |
| Average equity | $2,126,750 | 6,751 |
| Average total loans | $18,297,250 | 6,343 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6714% | 1,646 |
| Cost of funding earning assets | 1.0490% | 432 |
| Net interest margin | 3.6224% | 3,275 |
| Noninterest income to average assets | 0.2522% | 5,643 |
| Noninterest expense to average assets | 5.7176% | 233 |
| Loan and lease loss provision to assets | 0.2905% | 1,252 |
| Net operating income to assets | -2.3773% | 6,871 |
| Return on assets (ROA) | -2.1097% | 6,862 |
| Pretax return on assets | -2.1097% | 6,855 |
| Return on Equity (ROE) | -27.9682% | 6,857 |
| Retained earnings to average equity (ytd only) | -27.9682% | 6,841 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.4737% | 63 |
| Assets per employee ($millions) | 2.9566% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,386 |
| Loan loss allowance to noncurrent loans | 22,200.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 6,567 |
| Noncurrent loans to loans | 0.0060% | 6,427 |
| Net loans and leases to total assets | 55.9900% | 4,293 |
| Net loans and leases to deposits | 60.8939% | 4,876 |
| Net loans and leases to core deposits | 73.1863% | 3,903 |
| Total domestic deposits to total assets | 91.9468% | 259 |
| Equity capital to assets | 7.6642% | 6,384 |
| Core capital (leverage) ratio | 7.6541% | 6,389 |
| Tier 1 risk-based capital ratio | 12.6087% | 5,425 |
| Total risk-based capital ratio | 13.8587% | 5,364 |
| Memoranda: | ||
| Average total assets | $26,164,670 | 6,726 |
| Average earning assets | $24,404,000 | 6,692 |
| Average equity | $1,973,670 | 6,821 |
| Average total loans | $16,195,670 | 6,464 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 889 |
| Cost of funding earning assets | 1.1166% | 347 |
| Net interest margin | 3.8813% | 2,174 |
| Noninterest income to average assets | 0.1799% | 6,190 |
| Noninterest expense to average assets | 6.4094% | 181 |
| Loan and lease loss provision to assets | 0.1635% | 2,230 |
| Net operating income to assets | -2.8123% | 6,956 |
| Return on assets (ROA) | -2.8123% | 6,957 |
| Pretax return on assets | -2.8123% | 6,955 |
| Return on Equity (ROE) | -37.6471% | 6,949 |
| Retained earnings to average equity (ytd only) | -37.6471% | 6,925 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.4348% | 61 |
| Assets per employee ($millions) | 2.5696% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 4,441 |
| Loan loss allowance to noncurrent loans | 19,400.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,630 |
| Noncurrent loans to loans | 0.0070% | 6,489 |
| Net loans and leases to total assets | 54.9385% | 4,251 |
| Net loans and leases to deposits | 59.7925% | 4,814 |
| Net loans and leases to core deposits | 62.3322% | 4,923 |
| Total domestic deposits to total assets | 91.8820% | 267 |
| Equity capital to assets | 7.7327% | 6,509 |
| Core capital (leverage) ratio | 7.8665% | 6,245 |
| Tier 1 risk-based capital ratio | 12.4006% | 5,641 |
| Total risk-based capital ratio | 13.6506% | 5,586 |
| Memoranda: | ||
| Average total assets | $24,464,000 | 6,827 |
| Average earning assets | $22,569,500 | 6,801 |
| Average equity | $1,827,500 | 6,907 |
| Average total loans | $15,905,500 | 6,537 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3096% | 169 |
| Cost of funding earning assets | 0.8807% | 2,067 |
| Net interest margin | 5.4289% | 189 |
| Noninterest income to average assets | 0.3182% | 5,180 |
| Noninterest expense to average assets | 5.7092% | 253 |
| Loan and lease loss provision to assets | 0.6180% | 879 |
| Net operating income to assets | -1.0341% | 6,753 |
| Return on assets (ROA) | -1.0341% | 6,773 |
| Pretax return on assets | -1.1810% | 6,776 |
| Return on Equity (ROE) | -9.7059% | 6,713 |
| Retained earnings to average equity (ytd only) | -9.7059% | 6,625 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9394% | 320 |
| Assets per employee ($millions) | 2.9040% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 5,756 |
| Loan loss allowance to noncurrent loans | 18,400.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,695 |
| Noncurrent loans to loans | 0.0057% | 6,567 |
| Net loans and leases to total assets | 74.5351% | 1,120 |
| Net loans and leases to deposits | 80.5995% | 2,207 |
| Net loans and leases to core deposits | 84.3654% | 2,506 |
| Total domestic deposits to total assets | 92.4759% | 173 |
| Equity capital to assets | 7.1798% | 6,728 |
| Core capital (leverage) ratio | 7.5356% | 6,485 |
| Tier 1 risk-based capital ratio | 10.1616% | 6,659 |
| Total risk-based capital ratio | 11.4007% | 6,626 |
| Memoranda: | ||
| Average total assets | $16,342,000 | 7,003 |
| Average earning assets | $14,533,400 | 6,999 |
| Average equity | $1,741,200 | 6,993 |
| Average total loans | $11,507,200 | 6,793 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4011% | 155 |
| Cost of funding earning assets | 0.7458% | 3,381 |
| Net interest margin | 5.6553% | 150 |
| Noninterest income to average assets | 0.3466% | 5,043 |
| Noninterest expense to average assets | 5.8915% | 222 |
| Loan and lease loss provision to assets | 0.3921% | 1,634 |
| Net operating income to assets | -0.9576% | 6,846 |
| Return on assets (ROA) | -0.9576% | 6,877 |
| Pretax return on assets | -0.9576% | 6,854 |
| Return on Equity (ROE) | -7.9568% | 6,810 |
| Retained earnings to average equity (ytd only) | -7.9568% | 6,746 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6164% | 295 |
| Assets per employee ($millions) | 2.1693% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 5,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 70.7618% | 1,767 |
| Net loans and leases to deposits | 78.8848% | 2,545 |
| Net loans and leases to core deposits | 84.0463% | 2,690 |
| Total domestic deposits to total assets | 89.7027% | 1,008 |
| Equity capital to assets | 9.8824% | 4,664 |
| Core capital (leverage) ratio | 9.4584% | 4,334 |
| Tier 1 risk-based capital ratio | 12.6742% | 5,502 |
| Total risk-based capital ratio | 13.7276% | 5,623 |
| Memoranda: | ||
| Average total assets | $14,619,500 | 7,128 |
| Average earning assets | $12,872,500 | 7,118 |
| Average equity | $1,759,500 | 7,083 |
| Average total loans | $10,009,000 | 6,937 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3345% | 182 |
| Cost of funding earning assets | 0.7038% | 3,986 |
| Net interest margin | 5.6307% | 150 |
| Noninterest income to average assets | 0.2918% | 5,467 |
| Noninterest expense to average assets | 6.1278% | 210 |
| Loan and lease loss provision to assets | 0.2918% | 2,247 |
| Net operating income to assets | -1.2256% | 6,964 |
| Return on assets (ROA) | -1.2256% | 6,978 |
| Pretax return on assets | -1.2256% | 6,950 |
| Return on Equity (ROE) | -9.4684% | 6,898 |
| Retained earnings to average equity (ytd only) | -9.4684% | 6,823 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9775% | 241 |
| Assets per employee ($millions) | 1.9038% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 69.9803% | 1,922 |
| Net loans and leases to deposits | 79.3006% | 2,484 |
| Net loans and leases to core deposits | 83.6906% | 2,733 |
| Total domestic deposits to total assets | 88.2469% | 1,989 |
| Equity capital to assets | 11.3263% | 2,756 |
| Core capital (leverage) ratio | 11.2680% | 2,071 |
| Tier 1 risk-based capital ratio | 13.6761% | 4,692 |
| Total risk-based capital ratio | 14.5956% | 4,895 |
| Memoranda: | ||
| Average total assets | $13,708,000 | 7,200 |
| Average earning assets | $11,934,670 | 7,187 |
| Average equity | $1,774,330 | 7,133 |
| Average total loans | $9,209,670 | 7,031 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9472% | 332 |
| Cost of funding earning assets | 0.7165% | 4,140 |
| Net interest margin | 5.2306% | 283 |
| Noninterest income to average assets | 0.3398% | 5,138 |
| Noninterest expense to average assets | 6.0246% | 206 |
| Loan and lease loss provision to assets | 0.0309% | 4,982 |
| Net operating income to assets | -1.2049% | 7,035 |
| Return on assets (ROA) | -1.2049% | 7,050 |
| Pretax return on assets | -1.2049% | 7,022 |
| Return on Equity (ROE) | -8.6715% | 6,966 |
| Retained earnings to average equity (ytd only) | -8.6715% | 6,794 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.2038% | 189 |
| Assets per employee ($millions) | 1.9117% | 7,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.0060% | 3,664 |
| Net loans and leases to deposits | 69.5479% | 3,796 |
| Net loans and leases to core deposits | 69.5479% | 4,492 |
| Total domestic deposits to total assets | 86.2801% | 3,371 |
| Equity capital to assets | 13.3014% | 1,320 |
| Core capital (leverage) ratio | 12.3534% | 1,408 |
| Tier 1 risk-based capital ratio | 17.4561% | 2,495 |
| Total risk-based capital ratio | 18.4078% | 2,583 |
| Memoranda: | ||
| Average total assets | $12,947,000 | 7,265 |
| Average earning assets | $11,165,000 | 7,254 |
| Average equity | $1,799,000 | 7,183 |
| Average total loans | $8,434,000 | 7,119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 1,078 |
| Cost of funding earning assets | 0.6325% | 5,913 |
| Net interest margin | 4.9063% | 500 |
| Noninterest income to average assets | 0.3090% | 5,332 |
| Noninterest expense to average assets | 4.2789% | 737 |
| Loan and lease loss provision to assets | 0.2615% | 3,601 |
| Net operating income to assets | 0.6735% | 3,611 |
| Return on assets (ROA) | 0.6735% | 3,807 |
| Pretax return on assets | 0.0713% | 6,013 |
| Return on Equity (ROE) | 5.4140% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.4140% | 2,359 |
| Net charge-offs to loans | 0.0412% | 5,903 |
| Credit loss provision to net charge-offs | 1,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,494 |
| Efficiency ratio | 92.7835% | 997 |
| Assets per employee ($millions) | 2.0853% | 7,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.2935% | 2,160 |
| Net loans and leases to deposits | 82.0324% | 2,191 |
| Net loans and leases to core deposits | 82.0324% | 3,177 |
| Total domestic deposits to total assets | 84.4709% | 4,108 |
| Equity capital to assets | 14.5301% | 887 |
| Core capital (leverage) ratio | 12.1700% | 1,508 |
| Tier 1 risk-based capital ratio | 14.0968% | 4,256 |
| Total risk-based capital ratio | 14.8753% | 4,569 |
| Memoranda: | ||
| Average total assets | $12,620,000 | 7,312 |
| Average earning assets | $11,067,400 | 7,301 |
| Average equity | $1,570,000 | 7,279 |
| Average total loans | $7,286,400 | 7,203 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3570% | 1,655 |
| Cost of funding earning assets | 0.6337% | 6,117 |
| Net interest margin | 4.7232% | 727 |
| Noninterest income to average assets | 0.3058% | 5,409 |
| Noninterest expense to average assets | 4.0167% | 989 |
| Loan and lease loss provision to assets | 0.2847% | 3,245 |
| Net operating income to assets | 0.1687% | 5,777 |
| Return on assets (ROA) | 0.1687% | 5,906 |
| Pretax return on assets | 0.1687% | 5,957 |
| Return on Equity (ROE) | 1.4145% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.4145% | 5,440 |
| Net charge-offs to loans | 0.0578% | 5,388 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 14.3325% | 1,537 |
| Efficiency ratio | 89.8585% | 1,174 |
| Assets per employee ($millions) | 2.0547% | 7,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 6,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.6392% | 2,978 |
| Net loans and leases to deposits | 82.8844% | 2,190 |
| Net loans and leases to core deposits | 82.8844% | 3,207 |
| Total domestic deposits to total assets | 79.1937% | 5,948 |
| Equity capital to assets | 14.0655% | 1,136 |
| Core capital (leverage) ratio | 12.2261% | 1,578 |
| Tier 1 risk-based capital ratio | 13.7899% | 4,508 |
| Total risk-based capital ratio | 14.5161% | 4,876 |
| Memoranda: | ||
| Average total assets | $12,647,000 | 7,389 |
| Average earning assets | $11,150,250 | 7,379 |
| Average equity | $1,508,000 | 7,364 |
| Average total loans | $6,919,750 | 7,286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 4,026 |
| Cost of funding earning assets | 0.6600% | 6,171 |
| Net interest margin | 4.1561% | 2,206 |
| Noninterest income to average assets | 0.3607% | 4,994 |
| Noninterest expense to average assets | 3.7480% | 1,449 |
| Loan and lease loss provision to assets | 0.2823% | 3,123 |
| Net operating income to assets | -0.0157% | 6,249 |
| Return on assets (ROA) | -0.0157% | 6,318 |
| Pretax return on assets | -0.0157% | 6,280 |
| Return on Equity (ROE) | -0.1396% | 6,318 |
| Retained earnings to average equity (ytd only) | -0.1396% | 5,865 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3594% | 1,019 |
| Assets per employee ($millions) | 2.0762% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 6,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.4674% | 5,223 |
| Net loans and leases to deposits | 62.6327% | 5,433 |
| Net loans and leases to core deposits | 62.6327% | 5,844 |
| Total domestic deposits to total assets | 86.9632% | 2,759 |
| Equity capital to assets | 12.7559% | 1,647 |
| Core capital (leverage) ratio | 10.8252% | 2,395 |
| Tier 1 risk-based capital ratio | 14.1001% | 4,097 |
| Total risk-based capital ratio | 14.8439% | 4,439 |
| Memoranda: | ||
| Average total assets | $12,753,330 | 7,462 |
| Average earning assets | $11,212,330 | 7,454 |
| Average equity | $1,432,670 | 7,441 |
| Average total loans | $6,503,330 | 7,371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 5,400 |
| Cost of funding earning assets | 0.7468% | 5,883 |
| Net interest margin | 3.7338% | 3,926 |
| Noninterest income to average assets | 0.2480% | 5,915 |
| Noninterest expense to average assets | 3.5655% | 1,840 |
| Loan and lease loss provision to assets | 0.3720% | 2,326 |
| Net operating income to assets | -0.4341% | 6,762 |
| Return on assets (ROA) | -0.4341% | 6,773 |
| Pretax return on assets | -0.4341% | 6,718 |
| Return on Equity (ROE) | -4.1344% | 6,750 |
| Retained earnings to average equity (ytd only) | -4.1344% | 6,431 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7699% | 679 |
| Assets per employee ($millions) | 2.1933% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 6,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 52.8040% | 5,489 |
| Net loans and leases to deposits | 59.7763% | 5,745 |
| Net loans and leases to core deposits | 59.7763% | 6,111 |
| Total domestic deposits to total assets | 88.3359% | 2,175 |
| Equity capital to assets | 11.4210% | 2,331 |
| Core capital (leverage) ratio | 10.2846% | 2,820 |
| Tier 1 risk-based capital ratio | 12.5074% | 5,257 |
| Total risk-based capital ratio | 13.1501% | 5,774 |
| Memoranda: | ||
| Average total assets | $12,901,500 | 7,519 |
| Average earning assets | $11,248,500 | 7,509 |
| Average equity | $1,354,500 | 7,505 |
| Average total loans | $6,327,000 | 7,435 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 7,058 |
| Cost of funding earning assets | 1.6961% | 1,622 |
| Net interest margin | 2.3931% | 7,323 |
| Noninterest income to average assets | 0.1560% | 6,607 |
| Noninterest expense to average assets | 4.4066% | 718 |
| Loan and lease loss provision to assets | 0.3900% | 3,775 |
| Net operating income to assets | -2.5543% | 7,192 |
| Return on assets (ROA) | -2.5543% | 7,213 |
| Pretax return on assets | -2.6322% | 7,207 |
| Return on Equity (ROE) | -23.9401% | 7,109 |
| Retained earnings to average equity (ytd only) | -25.9503% | 7,136 |
| Net charge-offs to loans | -0.0574% | 7,457 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.6036% | 90 |
| Assets per employee ($millions) | 2.1072% | 7,364 |
| Cash dividends to net income (ytd only)* | -8.3969% | 7,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 6,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.1905% | 6,696 |
| Net loans and leases to deposits | 48.9701% | 6,906 |
| Net loans and leases to core deposits | 48.9701% | 7,022 |
| Total domestic deposits to total assets | 90.2397% | 961 |
| Equity capital to assets | 9.5389% | 4,350 |
| Core capital (leverage) ratio | 7.9879% | 6,219 |
| Tier 1 risk-based capital ratio | 13.5617% | 4,157 |
| Total risk-based capital ratio | 14.2184% | 4,595 |
| Memoranda: | ||
| Average total assets | $10,257,400 | 7,624 |
| Average earning assets | $8,608,200 | 7,616 |
| Average equity | $1,094,400 | 7,626 |
| Average total loans | $3,487,000 | 7,587 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 7,341 |
| Cost of funding earning assets | 1.8571% | 1,178 |
| Net interest margin | 2.0411% | 7,565 |
| Noninterest income to average assets | 0.2761% | 5,895 |
| Noninterest expense to average assets | 4.5129% | 579 |
| Loan and lease loss provision to assets | 0.4140% | 3,422 |
| Net operating income to assets | -2.9672% | 7,444 |
| Return on assets (ROA) | -2.9672% | 7,453 |
| Pretax return on assets | -2.9672% | 7,410 |
| Return on Equity (ROE) | -26.8786% | 7,339 |
| Retained earnings to average equity (ytd only) | -29.6287% | 7,370 |
| Net charge-offs to loans | -0.0905% | 7,539 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.2817% | 50 |
| Assets per employee ($millions) | 1.8755% | 7,555 |
| Cash dividends to net income (ytd only)* | -10.2316% | 7,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,907 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 6,805 |
| Noncurrent loans to loans | 0.5542% | 6,093 |
| Net loans and leases to total assets | 39.6428% | 7,095 |
| Net loans and leases to deposits | 44.4234% | 7,225 |
| Net loans and leases to core deposits | 44.4234% | 7,305 |
| Total domestic deposits to total assets | 89.2384% | 1,259 |
| Equity capital to assets | 10.6105% | 3,399 |
| Core capital (leverage) ratio | 8.8584% | 4,910 |
| Tier 1 risk-based capital ratio | 14.1434% | 3,728 |
| Total risk-based capital ratio | 14.9600% | 4,005 |
| Memoranda: | ||
| Average total assets | $9,661,000 | 7,726 |
| Average earning assets | $7,969,250 | 7,722 |
| Average equity | $1,066,500 | 7,727 |
| Average total loans | $2,948,750 | 7,696 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 7,635 |
| Cost of funding earning assets | 1.9240% | 1,138 |
| Net interest margin | 1.4842% | 7,745 |
| Noninterest income to average assets | 0.3286% | 5,529 |
| Noninterest expense to average assets | 4.6439% | 499 |
| Loan and lease loss provision to assets | 0.1533% | 5,366 |
| Net operating income to assets | -3.2858% | 7,544 |
| Return on assets (ROA) | -3.2858% | 7,550 |
| Pretax return on assets | -3.2858% | 7,512 |
| Return on Equity (ROE) | -29.2969% | 7,425 |
| Retained earnings to average equity (ytd only) | -32.4219% | 7,449 |
| Net charge-offs to loans | -0.1647% | 7,619 |
| Credit loss provision to net charge-offs | -350.0000% | 6,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 307.2464% | 38 |
| Assets per employee ($millions) | 2.3533% | 7,297 |
| Cash dividends to net income (ytd only)* | -10.6667% | 7,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,587 |
| Loan loss allowance to noncurrent loans | 152.1739% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,790 |
| Noncurrent loans to loans | 0.6264% | 5,994 |
| Net loans and leases to total assets | 38.6381% | 7,239 |
| Net loans and leases to deposits | 43.5882% | 7,335 |
| Net loans and leases to core deposits | 43.5882% | 7,414 |
| Total domestic deposits to total assets | 88.6434% | 1,648 |
| Equity capital to assets | 11.1123% | 2,761 |
| Core capital (leverage) ratio | 8.4698% | 5,461 |
| Tier 1 risk-based capital ratio | 12.5651% | 4,798 |
| Total risk-based capital ratio | 13.1725% | 5,354 |
| Memoranda: | ||
| Average total assets | $9,130,330 | 7,802 |
| Average earning assets | $7,276,670 | 7,799 |
| Average equity | $1,024,000 | 7,795 |
| Average total loans | $2,428,000 | 7,771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 7,810 |
| Cost of funding earning assets | 1.8417% | 1,690 |
| Net interest margin | 1.1511% | 7,870 |
| Noninterest income to average assets | -0.1780% | 7,797 |
| Noninterest expense to average assets | 5.2064% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -4.4944% | 7,748 |
| Return on assets (ROA) | -4.4944% | 7,755 |
| Pretax return on assets | -4.4944% | 7,722 |
| Return on Equity (ROE) | -39.8815% | 7,649 |
| Retained earnings to average equity (ytd only) | -43.0405% | 7,652 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 731.2500% | 12 |
| Assets per employee ($millions) | 2.1518% | 7,578 |
| Cash dividends to net income (ytd only)* | -7.9208% | 7,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 6,805 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 7,039 |
| Noncurrent loans to loans | 0.7610% | 5,800 |
| Net loans and leases to total assets | 22.6908% | 7,750 |
| Net loans and leases to deposits | 25.8163% | 7,781 |
| Net loans and leases to core deposits | 25.8163% | 7,786 |
| Total domestic deposits to total assets | 87.8936% | 2,120 |
| Equity capital to assets | 11.7811% | 2,182 |
| Core capital (leverage) ratio | 7.9429% | 6,322 |
| Tier 1 risk-based capital ratio | 15.1571% | 3,037 |
| Total risk-based capital ratio | 15.5730% | 3,445 |
| Memoranda: | ||
| Average total assets | $8,989,000 | 7,905 |
| Average earning assets | $6,950,000 | 7,903 |
| Average equity | $1,013,000 | 7,890 |
| Average total loans | $1,806,000 | 7,876 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4635% | 7,908 |
| Cost of funding earning assets | 1.5306% | 5,372 |
| Net interest margin | 0.9329% | 7,935 |
| Noninterest income to average assets | 0.2196% | 6,543 |
| Noninterest expense to average assets | 3.9663% | 1,409 |
| Loan and lease loss provision to assets | 0.1421% | 6,220 |
| Net operating income to assets | -3.1136% | 7,426 |
| Return on assets (ROA) | -2.9069% | 7,385 |
| Pretax return on assets | -2.8552% | 7,254 |
| Return on Equity (ROE) | -13.1441% | 6,838 |
| Retained earnings to average equity (ytd only) | -13.6698% | 6,791 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 379.0123% | 48 |
| Assets per employee ($millions) | 2.3428% | 7,419 |
| Cash dividends to net income (ytd only)* | -4.0000% | 7,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 7,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 17.3941% | 7,889 |
| Net loans and leases to deposits | 19.5655% | 7,914 |
| Net loans and leases to core deposits | 20.3115% | 7,921 |
| Total domestic deposits to total assets | 88.9019% | 1,523 |
| Equity capital to assets | 10.7993% | 2,869 |
| Core capital (leverage) ratio | 8.3097% | 5,593 |
| Tier 1 risk-based capital ratio | 14.9791% | 2,952 |
| Total risk-based capital ratio | 15.2346% | 3,462 |
| Memoranda: | ||
| Average total assets | $7,740,200 | 7,994 |
| Average earning assets | $6,860,200 | 7,983 |
| Average equity | $1,711,800 | 7,888 |
| Average total loans | $854,000 | 7,957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3547% | 8,019 |
| Cost of funding earning assets | 1.3455% | 6,412 |
| Net interest margin | 1.0092% | 8,021 |
| Noninterest income to average assets | 0.2363% | 6,534 |
| Noninterest expense to average assets | 3.5457% | 2,157 |
| Loan and lease loss provision to assets | 0.2001% | 5,385 |
| Net operating income to assets | -2.6548% | 7,500 |
| Return on assets (ROA) | -2.6548% | 7,507 |
| Pretax return on assets | -2.5821% | 7,377 |
| Return on Equity (ROE) | -10.3172% | 6,919 |
| Retained earnings to average equity (ytd only) | -10.5292% | 6,854 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 304.6875% | 67 |
| Assets per employee ($millions) | 2.1343% | 7,680 |
| Cash dividends to net income (ytd only)* | -2.0549% | 7,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 6,752 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 7,564 |
| Noncurrent loans to loans | 0.0820% | 7,281 |
| Net loans and leases to total assets | 14.1619% | 7,997 |
| Net loans and leases to deposits | 16.3755% | 8,012 |
| Net loans and leases to core deposits | 17.0642% | 8,012 |
| Total domestic deposits to total assets | 86.4824% | 2,434 |
| Equity capital to assets | 13.3302% | 1,562 |
| Core capital (leverage) ratio | 10.8344% | 2,541 |
| Tier 1 risk-based capital ratio | 33.0938% | 439 |
| Total risk-based capital ratio | 33.5587% | 453 |
| Memoranda: | ||
| Average total assets | $7,332,500 | 8,082 |
| Average earning assets | $6,738,000 | 8,070 |
| Average equity | $1,886,750 | 7,942 |
| Average total loans | $657,250 | 8,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3846% | 8,106 |
| Cost of funding earning assets | 1.1617% | 7,212 |
| Net interest margin | 1.2229% | 8,072 |
| Noninterest income to average assets | 0.2597% | 6,420 |
| Noninterest expense to average assets | 2.8856% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -1.5871% | 7,286 |
| Return on assets (ROA) | -1.5871% | 7,290 |
| Pretax return on assets | -1.4716% | 7,079 |
| Return on Equity (ROE) | -5.1490% | 6,624 |
| Retained earnings to average equity (ytd only) | -5.1490% | 6,323 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.0816% | 191 |
| Assets per employee ($millions) | 1.7818% | 7,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 1,949 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 7,599 |
| Noncurrent loans to loans | 0.1531% | 7,141 |
| Net loans and leases to total assets | 8.9940% | 8,109 |
| Net loans and leases to deposits | 12.8174% | 8,115 |
| Net loans and leases to core deposits | 13.6412% | 8,109 |
| Total domestic deposits to total assets | 70.1698% | 7,455 |
| Equity capital to assets | 29.6338% | 140 |
| Core capital (leverage) ratio | 29.4890% | 146 |
| Tier 1 risk-based capital ratio | 130.5315% | 56 |
| Total risk-based capital ratio | 131.2732% | 56 |
| Memoranda: | ||
| Average total assets | $6,931,000 | 8,181 |
| Average earning assets | $6,542,000 | 8,164 |
| Average equity | $2,136,330 | 7,978 |
| Average total loans | $469,670 | 8,133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6723% | 8,160 |
| Cost of funding earning assets | 1.1808% | 7,338 |
| Net interest margin | 1.4915% | 8,062 |
| Noninterest income to average assets | 0.1756% | 7,050 |
| Noninterest expense to average assets | 3.0441% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.4635% | 7,478 |
| Return on assets (ROA) | -1.4635% | 7,494 |
| Pretax return on assets | -1.4635% | 7,351 |
| Return on Equity (ROE) | -4.6544% | 6,954 |
| Retained earnings to average equity (ytd only) | -4.6544% | 6,507 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.5926% | 212 |
| Assets per employee ($millions) | 2.3597% | 7,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3898% | 343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 4.8312% | 8,178 |
| Net loans and leases to deposits | 6.9343% | 8,182 |
| Net loans and leases to core deposits | 7.3850% | 8,174 |
| Total domestic deposits to total assets | 69.6709% | 7,456 |
| Equity capital to assets | 30.1738% | 144 |
| Core capital (leverage) ratio | 29.8658% | 156 |
| Tier 1 risk-based capital ratio | 162.8049% | 49 |
| Total risk-based capital ratio | 163.7195% | 49 |
| Memoranda: | ||
| Average total assets | $6,833,000 | 8,233 |
| Average earning assets | $6,436,500 | 8,213 |
| Average equity | $2,148,500 | 8,025 |
| Average total loans | $378,000 | 8,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 8,115 |
| Cost of funding earning assets | 1.0956% | 8,011 |
| Net interest margin | 2.7644% | 7,387 |
| Noninterest income to average assets | 0.2061% | 6,971 |
| Noninterest expense to average assets | 3.2665% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.4599% | 6,892 |
| Return on assets (ROA) | -0.4599% | 6,769 |
| Pretax return on assets | -0.4599% | 6,620 |
| Return on Equity (ROE) | -1.3284% | 6,409 |
| Retained earnings to average equity (ytd only) | -1.3284% | 5,691 |
| Net charge-offs to loans | 0.3179% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -29.0000% | 6,956 |
| Efficiency ratio | 116.3842% | 613 |
| Assets per employee ($millions) | 1.6468% | 8,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9851% | 437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 5.9208% | 8,225 |
| Net loans and leases to deposits | 8.8395% | 8,231 |
| Net loans and leases to core deposits | 9.4775% | 8,224 |
| Total domestic deposits to total assets | 66.9804% | 7,577 |
| Equity capital to assets | 32.8070% | 142 |
| Core capital (leverage) ratio | 33.5247% | 148 |
| Tier 1 risk-based capital ratio | 178.3003% | 46 |
| Total risk-based capital ratio | 179.2904% | 46 |
| Memoranda: | ||
| Average total assets | $6,306,400 | 8,290 |
| Average earning assets | $5,932,600 | 8,279 |
| Average equity | $2,183,000 | 8,081 |
| Average total loans | $314,600 | 8,244 |