Home > Riverside Savings Bank, SSB > Performance and Condition Ratios
Riverside Savings Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 3,739 |
| Cost of funding earning assets | 1.6673% | 1,524 |
| Net interest margin | 2.4730% | 4,115 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.8682% | 1,338 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | -0.1515% | 4,445 |
| Return on assets (ROA) | -1.7379% | 4,559 |
| Pretax return on assets | -2.3772% | 4,571 |
| Return on Equity (ROE) | -8.8000% | 4,493 |
| Retained earnings to average equity (ytd only) | -8.8019% | 4,451 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 117.0009% | 84 |
| Assets per employee ($millions) | 5.8532% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 4,213 |
| Loan loss allowance to noncurrent loans | 4,714.2857% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 1,248 |
| Noncurrent loans to loans | 0.0132% | 3,654 |
| Net loans and leases to total assets | 56.0900% | 3,184 |
| Net loans and leases to deposits | 72.4180% | 2,732 |
| Net loans and leases to core deposits | 83.9102% | 2,458 |
| Total domestic deposits to total assets | 77.4600% | 3,792 |
| Equity capital to assets | 17.0046% | 385 |
| Core capital (leverage) ratio | 17.8951% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $95,113,200 | 3,870 |
| Average earning assets | $85,888,200 | 3,872 |
| Average equity | $18,780,000 | 2,957 |
| Average total loans | $51,816,200 | 3,818 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,818 |
| Cost of funding earning assets | 1.4747% | 1,677 |
| Net interest margin | 2.5418% | 4,099 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.8348% | 1,359 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | -0.0614% | 4,461 |
| Return on assets (ROA) | -0.0614% | 4,445 |
| Pretax return on assets | -0.2095% | 4,475 |
| Return on Equity (ROE) | -0.3000% | 4,397 |
| Retained earnings to average equity (ytd only) | -0.3009% | 4,180 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 109.0066% | 107 |
| Assets per employee ($millions) | 6.0855% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6900% | 4,156 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 53.9600% | 3,363 |
| Net loans and leases to deposits | 72.7964% | 2,663 |
| Net loans and leases to core deposits | 83.9392% | 2,328 |
| Total domestic deposits to total assets | 74.1200% | 4,152 |
| Equity capital to assets | 19.9758% | 285 |
| Core capital (leverage) ratio | 19.6675% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,478,750 | 3,882 |
| Average earning assets | $86,342,000 | 3,877 |
| Average equity | $19,493,750 | 2,888 |
| Average total loans | $51,554,750 | 3,835 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 3,659 |
| Cost of funding earning assets | 1.3424% | 1,604 |
| Net interest margin | 2.6708% | 4,009 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.8614% | 1,305 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | -0.0295% | 4,492 |
| Return on assets (ROA) | -0.0295% | 4,483 |
| Pretax return on assets | -0.1666% | 4,503 |
| Return on Equity (ROE) | -0.1400% | 4,443 |
| Retained earnings to average equity (ytd only) | -0.1435% | 4,119 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 107.3151% | 110 |
| Assets per employee ($millions) | 5.8720% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 4,116 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,777 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 53.9000% | 3,276 |
| Net loans and leases to deposits | 73.8041% | 2,517 |
| Net loans and leases to core deposits | 77.8971% | 2,621 |
| Total domestic deposits to total assets | 73.0300% | 4,251 |
| Equity capital to assets | 20.7351% | 262 |
| Core capital (leverage) ratio | 19.8871% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,849,000 | 3,899 |
| Average earning assets | $85,666,333 | 3,903 |
| Average equity | $19,508,333 | 2,905 |
| Average total loans | $51,106,333 | 3,845 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 3,453 |
| Cost of funding earning assets | 1.2590% | 1,327 |
| Net interest margin | 2.7411% | 4,022 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.8878% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0378% | 4,508 |
| Return on assets (ROA) | -0.0378% | 4,493 |
| Pretax return on assets | -0.2015% | 4,528 |
| Return on Equity (ROE) | -0.1800% | 4,455 |
| Retained earnings to average equity (ytd only) | -0.1844% | 4,050 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.9468% | 124 |
| Assets per employee ($millions) | 5.5763% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 4,072 |
| Loan loss allowance to noncurrent loans | 407.9208% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 2,780 |
| Noncurrent loans to loans | 0.1978% | 2,487 |
| Net loans and leases to total assets | 53.4300% | 3,239 |
| Net loans and leases to deposits | 74.0537% | 2,291 |
| Net loans and leases to core deposits | 76.0906% | 2,524 |
| Total domestic deposits to total assets | 72.1500% | 4,355 |
| Equity capital to assets | 20.5566% | 219 |
| Core capital (leverage) ratio | 19.6293% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $95,297,500 | 3,947 |
| Average earning assets | $86,098,000 | 3,949 |
| Average equity | $19,522,000 | 2,930 |
| Average total loans | $51,151,500 | 3,889 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 2,741 |
| Cost of funding earning assets | 0.4556% | 1,681 |
| Net interest margin | 3.1639% | 2,972 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.9080% | 1,113 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.2626% | 4,403 |
| Return on assets (ROA) | 0.2626% | 4,380 |
| Pretax return on assets | 0.2468% | 4,411 |
| Return on Equity (ROE) | 1.2800% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.2848% | 4,141 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.2318% | 295 |
| Assets per employee ($millions) | 5.3221% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6577% | 4,273 |
| Loan loss allowance to noncurrent loans | 166.8317% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 2,106 |
| Noncurrent loans to loans | 0.3942% | 1,736 |
| Net loans and leases to total assets | 53.1300% | 3,273 |
| Net loans and leases to deposits | 74.5282% | 2,215 |
| Net loans and leases to core deposits | 76.6089% | 2,381 |
| Total domestic deposits to total assets | 71.2900% | 4,443 |
| Equity capital to assets | 20.4148% | 216 |
| Core capital (leverage) ratio | 19.6787% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $95,219,000 | 3,970 |
| Average earning assets | $86,254,000 | 3,966 |
| Average equity | $19,458,400 | 3,000 |
| Average total loans | $50,562,200 | 3,881 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 2,485 |
| Cost of funding earning assets | 0.3497% | 1,706 |
| Net interest margin | 3.1919% | 2,647 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.8693% | 1,107 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3422% | 4,331 |
| Return on assets (ROA) | 0.3422% | 4,284 |
| Pretax return on assets | 0.3141% | 4,361 |
| Return on Equity (ROE) | 1.6700% | 4,431 |
| Retained earnings to average equity (ytd only) | 1.6740% | 4,091 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.4446% | 373 |
| Assets per employee ($millions) | 5.3923% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 4,334 |
| Loan loss allowance to noncurrent loans | 139.1489% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,013 |
| Noncurrent loans to loans | 0.4658% | 1,636 |
| Net loans and leases to total assets | 51.6400% | 3,315 |
| Net loans and leases to deposits | 69.9347% | 2,368 |
| Net loans and leases to core deposits | 70.9232% | 2,574 |
| Total domestic deposits to total assets | 73.8400% | 4,456 |
| Equity capital to assets | 20.1430% | 213 |
| Core capital (leverage) ratio | 19.7399% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $95,074,250 | 3,996 |
| Average earning assets | $86,175,500 | 3,994 |
| Average equity | $19,433,750 | 3,047 |
| Average total loans | $50,393,000 | 3,908 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 2,218 |
| Cost of funding earning assets | 0.3227% | 1,507 |
| Net interest margin | 3.1498% | 2,367 |
| Noninterest income to average assets | 0.3389% | 3,125 |
| Noninterest expense to average assets | 2.8471% | 1,088 |
| Loan and lease loss provision to assets | 0.0042% | 2,532 |
| Net operating income to assets | 0.3559% | 4,200 |
| Return on assets (ROA) | 0.3559% | 4,153 |
| Pretax return on assets | 0.3411% | 4,236 |
| Return on Equity (ROE) | 1.7324% | 4,378 |
| Retained earnings to average equity (ytd only) | 1.7324% | 3,817 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7240% | 500 |
| Assets per employee ($millions) | 5.3760% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6387% | 4,425 |
| Loan loss allowance to noncurrent loans | 137.4468% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 2,113 |
| Noncurrent loans to loans | 0.4647% | 1,716 |
| Net loans and leases to total assets | 51.9232% | 3,164 |
| Net loans and leases to deposits | 70.3239% | 2,172 |
| Net loans and leases to core deposits | 71.3211% | 2,390 |
| Total domestic deposits to total assets | 73.8343% | 4,538 |
| Equity capital to assets | 20.1265% | 165 |
| Core capital (leverage) ratio | 19.4263% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,412,000 | 4,041 |
| Average earning assets | $85,528,667 | 4,056 |
| Average equity | $19,394,667 | 3,115 |
| Average total loans | $50,373,333 | 3,953 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 1,982 |
| Cost of funding earning assets | 0.2370% | 2,299 |
| Net interest margin | 3.2000% | 1,883 |
| Noninterest income to average assets | 0.3561% | 2,962 |
| Noninterest expense to average assets | 2.8445% | 1,070 |
| Loan and lease loss provision to assets | 0.0086% | 2,162 |
| Net operating income to assets | 0.3947% | 3,963 |
| Return on assets (ROA) | 0.3947% | 3,931 |
| Pretax return on assets | 0.3990% | 4,036 |
| Return on Equity (ROE) | 1.9014% | 4,276 |
| Retained earnings to average equity (ytd only) | 1.9014% | 3,574 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0158% | 735 |
| Assets per employee ($millions) | 5.0455% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 4,470 |
| Loan loss allowance to noncurrent loans | 276.0684% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,960 |
| Noncurrent loans to loans | 0.2325% | 2,661 |
| Net loans and leases to total assets | 52.1457% | 2,976 |
| Net loans and leases to deposits | 70.7598% | 1,885 |
| Net loans and leases to core deposits | 72.0531% | 2,106 |
| Total domestic deposits to total assets | 73.6940% | 4,580 |
| Equity capital to assets | 20.2370% | 154 |
| Core capital (leverage) ratio | 20.6894% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,234,000 | 4,070 |
| Average earning assets | $84,375,500 | 4,087 |
| Average equity | $19,354,000 | 3,203 |
| Average total loans | $50,276,000 | 3,969 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 2,316 |
| Cost of funding earning assets | 0.3544% | 1,903 |
| Net interest margin | 3.2723% | 2,403 |
| Noninterest income to average assets | 1.0657% | 901 |
| Noninterest expense to average assets | 3.1241% | 818 |
| Loan and lease loss provision to assets | 0.0834% | 1,476 |
| Net operating income to assets | 0.6244% | 3,825 |
| Return on assets (ROA) | 0.6244% | 3,865 |
| Pretax return on assets | 0.7460% | 3,843 |
| Return on Equity (ROE) | 2.8214% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.8214% | 3,718 |
| Net charge-offs to loans | 0.0364% | 1,523 |
| Credit loss provision to net charge-offs | 400.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 39.7778% | 1,442 |
| Efficiency ratio | 77.6443% | 979 |
| Assets per employee ($millions) | 4.7686% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 4,512 |
| Loan loss allowance to noncurrent loans | 137.7682% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 2,275 |
| Noncurrent loans to loans | 0.4638% | 1,978 |
| Net loans and leases to total assets | 55.0958% | 2,724 |
| Net loans and leases to deposits | 70.9258% | 2,027 |
| Net loans and leases to core deposits | 72.2574% | 2,238 |
| Total domestic deposits to total assets | 77.6809% | 4,425 |
| Equity capital to assets | 21.3103% | 141 |
| Core capital (leverage) ratio | 20.3870% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,327,800 | 4,140 |
| Average earning assets | $76,185,600 | 4,184 |
| Average equity | $19,104,200 | 3,293 |
| Average total loans | $49,503,800 | 4,009 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 2,378 |
| Cost of funding earning assets | 0.3852% | 1,820 |
| Net interest margin | 3.2742% | 2,498 |
| Noninterest income to average assets | 0.7741% | 1,603 |
| Noninterest expense to average assets | 3.1589% | 763 |
| Loan and lease loss provision to assets | 0.0891% | 1,338 |
| Net operating income to assets | 0.3581% | 4,437 |
| Return on assets (ROA) | 0.3581% | 4,467 |
| Pretax return on assets | 0.3972% | 4,499 |
| Return on Equity (ROE) | 1.6025% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.6025% | 4,293 |
| Net charge-offs to loans | 0.0054% | 2,134 |
| Credit loss provision to net charge-offs | 2,850.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 661 |
| Efficiency ratio | 85.1137% | 472 |
| Assets per employee ($millions) | 4.7399% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6358% | 4,587 |
| Loan loss allowance to noncurrent loans | 519.3548% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 2,125 |
| Noncurrent loans to loans | 0.1224% | 3,483 |
| Net loans and leases to total assets | 55.8807% | 2,740 |
| Net loans and leases to deposits | 71.7453% | 2,075 |
| Net loans and leases to core deposits | 73.2533% | 2,299 |
| Total domestic deposits to total assets | 77.8876% | 4,437 |
| Equity capital to assets | 21.2063% | 151 |
| Core capital (leverage) ratio | 20.1419% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,258,750 | 4,203 |
| Average earning assets | $74,764,500 | 4,251 |
| Average equity | $19,053,250 | 3,340 |
| Average total loans | $49,319,750 | 4,070 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 2,359 |
| Cost of funding earning assets | 0.4263% | 1,688 |
| Net interest margin | 3.2654% | 2,563 |
| Noninterest income to average assets | 0.9132% | 1,237 |
| Noninterest expense to average assets | 3.2202% | 693 |
| Loan and lease loss provision to assets | 0.0693% | 1,665 |
| Net operating income to assets | 0.4112% | 4,365 |
| Return on assets (ROA) | 0.4112% | 4,403 |
| Pretax return on assets | 0.4805% | 4,417 |
| Return on Equity (ROE) | 1.8069% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.8069% | 4,162 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8935% | 560 |
| Assets per employee ($millions) | 4.8898% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 4,665 |
| Loan loss allowance to noncurrent loans | 250.8475% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 1,922 |
| Noncurrent loans to loans | 0.2364% | 3,101 |
| Net loans and leases to total assets | 56.3630% | 2,859 |
| Net loans and leases to deposits | 72.7437% | 2,141 |
| Net loans and leases to core deposits | 73.7658% | 2,433 |
| Total domestic deposits to total assets | 77.4816% | 4,481 |
| Equity capital to assets | 21.6367% | 138 |
| Core capital (leverage) ratio | 20.6067% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,659,000 | 4,244 |
| Average earning assets | $73,191,667 | 4,296 |
| Average equity | $19,038,333 | 3,336 |
| Average total loans | $48,877,333 | 4,105 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 1,968 |
| Cost of funding earning assets | 0.4896% | 1,457 |
| Net interest margin | 3.3541% | 2,235 |
| Noninterest income to average assets | 1.1193% | 955 |
| Noninterest expense to average assets | 3.3972% | 528 |
| Loan and lease loss provision to assets | 0.0736% | 1,704 |
| Net operating income to assets | 0.4811% | 4,209 |
| Return on assets (ROA) | 0.4811% | 4,247 |
| Pretax return on assets | 0.5744% | 4,228 |
| Return on Equity (ROE) | 2.0593% | 4,594 |
| Retained earnings to average equity (ytd only) | 2.0593% | 3,996 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5243% | 672 |
| Assets per employee ($millions) | 4.4542% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 4,694 |
| Loan loss allowance to noncurrent loans | 238.9831% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 2,069 |
| Noncurrent loans to loans | 0.2449% | 3,218 |
| Net loans and leases to total assets | 56.6005% | 2,968 |
| Net loans and leases to deposits | 74.0436% | 2,113 |
| Net loans and leases to core deposits | 75.5096% | 2,393 |
| Total domestic deposits to total assets | 76.4422% | 4,560 |
| Equity capital to assets | 22.5346% | 119 |
| Core capital (leverage) ratio | 22.0864% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,480,000 | 4,289 |
| Average earning assets | $71,078,000 | 4,339 |
| Average equity | $19,035,500 | 3,327 |
| Average total loans | $48,363,500 | 4,137 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,206 |
| Cost of funding earning assets | 0.6090% | 2,247 |
| Net interest margin | 3.9340% | 1,129 |
| Noninterest income to average assets | 0.7098% | 1,835 |
| Noninterest expense to average assets | 3.5501% | 650 |
| Loan and lease loss provision to assets | 0.1084% | 2,989 |
| Net operating income to assets | 0.3671% | 4,314 |
| Return on assets (ROA) | 0.3671% | 4,391 |
| Pretax return on assets | 0.4375% | 4,364 |
| Return on Equity (ROE) | 1.4350% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.4350% | 4,056 |
| Net charge-offs to loans | 0.1169% | 1,318 |
| Credit loss provision to net charge-offs | 145.4545% | 2,454 |
| Earnings coverage of net charge-offs (x) | 7.3273% | 2,706 |
| Efficiency ratio | 84.8545% | 575 |
| Assets per employee ($millions) | 4.1226% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 4,757 |
| Loan loss allowance to noncurrent loans | 220.6612% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 2,066 |
| Noncurrent loans to loans | 0.2493% | 3,304 |
| Net loans and leases to total assets | 61.6328% | 2,652 |
| Net loans and leases to deposits | 82.4191% | 1,616 |
| Net loans and leases to core deposits | 84.2134% | 2,018 |
| Total domestic deposits to total assets | 74.7798% | 4,588 |
| Equity capital to assets | 24.2564% | 106 |
| Core capital (leverage) ratio | 23.3697% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,828,800 | 4,326 |
| Average earning assets | $63,548,400 | 4,394 |
| Average equity | $18,885,200 | 3,289 |
| Average total loans | $47,059,200 | 4,162 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 1,121 |
| Cost of funding earning assets | 0.6297% | 2,432 |
| Net interest margin | 4.0453% | 1,020 |
| Noninterest income to average assets | 0.5337% | 2,455 |
| Noninterest expense to average assets | 3.4991% | 708 |
| Loan and lease loss provision to assets | 0.1279% | 2,749 |
| Net operating income to assets | 0.3209% | 4,410 |
| Return on assets (ROA) | 0.3209% | 4,463 |
| Pretax return on assets | 0.3814% | 4,453 |
| Return on Equity (ROE) | 1.2374% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.2374% | 4,169 |
| Net charge-offs to loans | 0.1571% | 939 |
| Credit loss provision to net charge-offs | 127.2727% | 2,459 |
| Earnings coverage of net charge-offs (x) | 5.0545% | 2,766 |
| Efficiency ratio | 85.4071% | 538 |
| Assets per employee ($millions) | 3.9282% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5397% | 4,783 |
| Loan loss allowance to noncurrent loans | 215.9664% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 2,047 |
| Noncurrent loans to loans | 0.2499% | 3,405 |
| Net loans and leases to total assets | 63.4635% | 2,828 |
| Net loans and leases to deposits | 86.0590% | 1,701 |
| Net loans and leases to core deposits | 87.6207% | 2,178 |
| Total domestic deposits to total assets | 73.7442% | 4,583 |
| Equity capital to assets | 25.3340% | 100 |
| Core capital (leverage) ratio | 24.2773% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,703,500 | 4,353 |
| Average earning assets | $62,458,000 | 4,423 |
| Average equity | $18,856,500 | 3,294 |
| Average total loans | $46,688,000 | 4,192 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 1,039 |
| Cost of funding earning assets | 0.6340% | 2,792 |
| Net interest margin | 4.2244% | 870 |
| Noninterest income to average assets | 0.3081% | 3,613 |
| Noninterest expense to average assets | 3.5471% | 705 |
| Loan and lease loss provision to assets | 0.1665% | 2,339 |
| Net operating income to assets | 0.1971% | 4,577 |
| Return on assets (ROA) | 0.1971% | 4,619 |
| Pretax return on assets | 0.2193% | 4,616 |
| Return on Equity (ROE) | 0.7537% | 4,715 |
| Retained earnings to average equity (ytd only) | 0.7537% | 4,150 |
| Net charge-offs to loans | 0.2372% | 663 |
| Credit loss provision to net charge-offs | 109.0909% | 2,342 |
| Earnings coverage of net charge-offs (x) | 2.5273% | 2,766 |
| Efficiency ratio | 88.4968% | 431 |
| Assets per employee ($millions) | 4.0804% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5251% | 4,810 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 2,376 |
| Noncurrent loans to loans | 0.1212% | 3,967 |
| Net loans and leases to total assets | 63.7058% | 2,921 |
| Net loans and leases to deposits | 86.6209% | 1,704 |
| Net loans and leases to core deposits | 88.2198% | 2,222 |
| Total domestic deposits to total assets | 73.5455% | 4,622 |
| Equity capital to assets | 25.6021% | 95 |
| Core capital (leverage) ratio | 24.7487% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,059,667 | 4,372 |
| Average earning assets | $61,831,667 | 4,439 |
| Average equity | $18,839,333 | 3,282 |
| Average total loans | $46,376,333 | 4,204 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6658% | 264 |
| Cost of funding earning assets | 0.6485% | 3,177 |
| Net interest margin | 5.0174% | 187 |
| Noninterest income to average assets | 0.4421% | 2,833 |
| Noninterest expense to average assets | 3.6935% | 705 |
| Loan and lease loss provision to assets | 0.1063% | 2,354 |
| Net operating income to assets | 0.7219% | 3,194 |
| Return on assets (ROA) | 0.7219% | 3,281 |
| Pretax return on assets | 0.9290% | 3,059 |
| Return on Equity (ROE) | 2.7258% | 4,284 |
| Retained earnings to average equity (ytd only) | 2.7258% | 3,187 |
| Net charge-offs to loans | 0.1911% | 711 |
| Credit loss provision to net charge-offs | 86.3636% | 1,909 |
| Earnings coverage of net charge-offs (x) | 8.4091% | 1,864 |
| Efficiency ratio | 76.8047% | 1,474 |
| Assets per employee ($millions) | 4.1341% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5240% | 4,852 |
| Loan loss allowance to noncurrent loans | 746.8750% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,718 |
| Noncurrent loans to loans | 0.0702% | 4,247 |
| Net loans and leases to total assets | 64.5598% | 2,995 |
| Net loans and leases to deposits | 89.6131% | 1,556 |
| Net loans and leases to core deposits | 91.3763% | 2,218 |
| Total domestic deposits to total assets | 72.0429% | 4,768 |
| Equity capital to assets | 26.9455% | 93 |
| Core capital (leverage) ratio | 24.9836% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,477,000 | 4,389 |
| Average earning assets | $61,068,000 | 4,465 |
| Average equity | $18,930,000 | 3,281 |
| Average total loans | $46,046,000 | 4,230 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 1,919 |
| Cost of funding earning assets | 0.6022% | 3,626 |
| Net interest margin | 4.2405% | 1,229 |
| Noninterest income to average assets | 0.3642% | 3,523 |
| Noninterest expense to average assets | 3.4991% | 962 |
| Loan and lease loss provision to assets | 0.0639% | 2,756 |
| Net operating income to assets | 0.3710% | 4,649 |
| Return on assets (ROA) | 0.3710% | 4,679 |
| Pretax return on assets | 0.4471% | 4,645 |
| Return on Equity (ROE) | 1.4513% | 4,868 |
| Retained earnings to average equity (ytd only) | 1.4513% | 4,222 |
| Net charge-offs to loans | 0.0045% | 3,516 |
| Credit loss provision to net charge-offs | 2,350.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 415 |
| Efficiency ratio | 85.7675% | 553 |
| Assets per employee ($millions) | 4.2750% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5206% | 4,867 |
| Loan loss allowance to noncurrent loans | 140.6977% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 2,895 |
| Noncurrent loans to loans | 0.3700% | 3,117 |
| Net loans and leases to total assets | 63.6244% | 3,246 |
| Net loans and leases to deposits | 91.8662% | 1,383 |
| Net loans and leases to core deposits | 93.6790% | 2,095 |
| Total domestic deposits to total assets | 69.2577% | 4,957 |
| Equity capital to assets | 26.0378% | 112 |
| Core capital (leverage) ratio | 24.4681% | 130 |
| Tier 1 risk-based capital ratio | 45.8378% | 171 |
| Total risk-based capital ratio | 46.4671% | 172 |
| Memoranda: | ||
| Average total assets | $73,590,400 | 4,371 |
| Average earning assets | $63,271,200 | 4,453 |
| Average equity | $18,810,400 | 3,244 |
| Average total loans | $44,600,200 | 4,291 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 2,078 |
| Cost of funding earning assets | 0.5896% | 3,741 |
| Net interest margin | 4.2240% | 1,316 |
| Noninterest income to average assets | 0.4591% | 2,964 |
| Noninterest expense to average assets | 3.3005% | 1,264 |
| Loan and lease loss provision to assets | 0.0145% | 3,616 |
| Net operating income to assets | 0.6290% | 4,219 |
| Return on assets (ROA) | 0.6290% | 4,266 |
| Pretax return on assets | 0.7826% | 4,167 |
| Return on Equity (ROE) | 2.4513% | 4,848 |
| Retained earnings to average equity (ytd only) | 2.4513% | 4,118 |
| Net charge-offs to loans | -0.0061% | 4,252 |
| Credit loss provision to net charge-offs | -400.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0913% | 1,003 |
| Assets per employee ($millions) | 4.4719% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4619% | 5,016 |
| Loan loss allowance to noncurrent loans | 594.2857% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 3,215 |
| Noncurrent loans to loans | 0.0777% | 4,294 |
| Net loans and leases to total assets | 62.6420% | 3,427 |
| Net loans and leases to deposits | 87.8878% | 1,946 |
| Net loans and leases to core deposits | 90.1378% | 2,539 |
| Total domestic deposits to total assets | 71.2750% | 4,948 |
| Equity capital to assets | 26.7725% | 104 |
| Core capital (leverage) ratio | 24.4680% | 129 |
| Tier 1 risk-based capital ratio | 47.9531% | 150 |
| Total risk-based capital ratio | 48.5134% | 155 |
| Memoranda: | ||
| Average total assets | $73,766,000 | 4,429 |
| Average earning assets | $63,540,250 | 4,498 |
| Average equity | $18,928,000 | 3,256 |
| Average total loans | $44,107,500 | 4,358 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 2,272 |
| Cost of funding earning assets | 0.5693% | 3,795 |
| Net interest margin | 4.1623% | 1,449 |
| Noninterest income to average assets | 0.4886% | 2,741 |
| Noninterest expense to average assets | 3.3018% | 1,278 |
| Loan and lease loss provision to assets | 0.0054% | 3,620 |
| Net operating income to assets | 0.5986% | 4,307 |
| Return on assets (ROA) | 0.5986% | 4,349 |
| Pretax return on assets | 0.7731% | 4,155 |
| Return on Equity (ROE) | 2.3658% | 4,895 |
| Retained earnings to average equity (ytd only) | 2.3658% | 3,998 |
| Net charge-offs to loans | -0.0091% | 4,296 |
| Credit loss provision to net charge-offs | -100.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4737% | 1,015 |
| Assets per employee ($millions) | 4.3207% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4544% | 5,064 |
| Loan loss allowance to noncurrent loans | 275.3425% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,015 |
| Noncurrent loans to loans | 0.1650% | 3,959 |
| Net loans and leases to total assets | 59.9425% | 3,735 |
| Net loans and leases to deposits | 81.4688% | 2,791 |
| Net loans and leases to core deposits | 83.4309% | 3,161 |
| Total domestic deposits to total assets | 73.5773% | 4,864 |
| Equity capital to assets | 25.8877% | 113 |
| Core capital (leverage) ratio | 23.9978% | 136 |
| Tier 1 risk-based capital ratio | 48.9183% | 146 |
| Total risk-based capital ratio | 49.4761% | 148 |
| Memoranda: | ||
| Average total assets | $74,504,330 | 4,456 |
| Average earning assets | $64,291,330 | 4,518 |
| Average equity | $18,852,000 | 3,262 |
| Average total loans | $43,800,330 | 4,394 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 2,158 |
| Cost of funding earning assets | 0.5492% | 3,827 |
| Net interest margin | 4.1717% | 1,369 |
| Noninterest income to average assets | 0.2826% | 3,987 |
| Noninterest expense to average assets | 3.3213% | 1,247 |
| Loan and lease loss provision to assets | -0.0107% | 5,210 |
| Net operating income to assets | 0.4798% | 4,571 |
| Return on assets (ROA) | 0.4798% | 4,596 |
| Pretax return on assets | 0.5758% | 4,559 |
| Return on Equity (ROE) | 1.9179% | 4,977 |
| Retained earnings to average equity (ytd only) | 1.9179% | 4,088 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9506% | 712 |
| Assets per employee ($millions) | 4.3576% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4502% | 5,129 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 3,072 |
| Noncurrent loans to loans | 0.1801% | 3,948 |
| Net loans and leases to total assets | 58.2019% | 3,864 |
| Net loans and leases to deposits | 78.5126% | 3,006 |
| Net loans and leases to core deposits | 80.3728% | 3,329 |
| Total domestic deposits to total assets | 74.1307% | 4,923 |
| Equity capital to assets | 25.4428% | 110 |
| Core capital (leverage) ratio | 23.4055% | 144 |
| Tier 1 risk-based capital ratio | 49.5945% | 132 |
| Total risk-based capital ratio | 50.1472% | 138 |
| Memoranda: | ||
| Average total assets | $75,030,500 | 4,501 |
| Average earning assets | $64,817,000 | 4,566 |
| Average equity | $18,770,500 | 3,280 |
| Average total loans | $43,585,500 | 4,440 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,828 |
| Cost of funding earning assets | 0.5866% | 2,814 |
| Net interest margin | 4.1100% | 1,653 |
| Noninterest income to average assets | 0.3908% | 3,490 |
| Noninterest expense to average assets | 4.1327% | 444 |
| Loan and lease loss provision to assets | 0.0617% | 2,923 |
| Net operating income to assets | -0.0224% | 5,241 |
| Return on assets (ROA) | -0.0224% | 5,236 |
| Pretax return on assets | -0.0954% | 5,251 |
| Return on Equity (ROE) | -0.1115% | 5,235 |
| Retained earnings to average equity (ytd only) | -0.1115% | 5,000 |
| Net charge-offs to loans | 0.0983% | 1,782 |
| Credit loss provision to net charge-offs | 97.0588% | 2,607 |
| Earnings coverage of net charge-offs (x) | -0.5294% | 3,727 |
| Efficiency ratio | 100.5018% | 138 |
| Assets per employee ($millions) | 4.2212% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4492% | 5,176 |
| Loan loss allowance to noncurrent loans | 410.4167% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,385 |
| Noncurrent loans to loans | 0.1094% | 4,237 |
| Net loans and leases to total assets | 57.4657% | 4,012 |
| Net loans and leases to deposits | 76.6071% | 3,308 |
| Net loans and leases to core deposits | 78.2127% | 3,562 |
| Total domestic deposits to total assets | 75.0135% | 4,868 |
| Equity capital to assets | 24.6022% | 115 |
| Core capital (leverage) ratio | 25.6727% | 103 |
| Tier 1 risk-based capital ratio | 45.8925% | 167 |
| Total risk-based capital ratio | 46.4154% | 170 |
| Memoranda: | ||
| Average total assets | $53,476,000 | 4,880 |
| Average earning assets | $48,248,000 | 4,889 |
| Average equity | $10,760,000 | 4,196 |
| Average total loans | $34,585,800 | 4,702 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 2,378 |
| Cost of funding earning assets | 0.5807% | 2,628 |
| Net interest margin | 3.8945% | 2,325 |
| Noninterest income to average assets | 0.4653% | 3,068 |
| Noninterest expense to average assets | 4.0933% | 462 |
| Loan and lease loss provision to assets | 0.0697% | 2,578 |
| Net operating income to assets | -0.0418% | 5,315 |
| Return on assets (ROA) | -0.0418% | 5,311 |
| Pretax return on assets | -0.1282% | 5,328 |
| Return on Equity (ROE) | -0.2279% | 5,303 |
| Retained earnings to average equity (ytd only) | -0.2279% | 5,064 |
| Net charge-offs to loans | 0.0868% | 1,638 |
| Credit loss provision to net charge-offs | 119.0476% | 1,996 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,437 |
| Efficiency ratio | 101.4503% | 131 |
| Assets per employee ($millions) | 3.0449% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6356% | 4,990 |
| Loan loss allowance to noncurrent loans | 171.1864% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,433 |
| Noncurrent loans to loans | 0.3713% | 3,315 |
| Net loans and leases to total assets | 69.1444% | 2,782 |
| Net loans and leases to deposits | 90.6614% | 1,806 |
| Net loans and leases to core deposits | 90.6614% | 2,597 |
| Total domestic deposits to total assets | 76.2666% | 4,758 |
| Equity capital to assets | 19.1772% | 264 |
| Core capital (leverage) ratio | 18.9276% | 272 |
| Tier 1 risk-based capital ratio | 34.3437% | 336 |
| Total risk-based capital ratio | 35.1371% | 342 |
| Memoranda: | ||
| Average total assets | $47,849,750 | 5,030 |
| Average earning assets | $43,856,250 | 5,031 |
| Average equity | $8,776,750 | 4,529 |
| Average total loans | $32,267,250 | 4,812 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 2,417 |
| Cost of funding earning assets | 0.5880% | 2,311 |
| Net interest margin | 3.8108% | 2,534 |
| Noninterest income to average assets | 0.4611% | 3,084 |
| Noninterest expense to average assets | 4.0144% | 521 |
| Loan and lease loss provision to assets | 0.0494% | 2,926 |
| Net operating income to assets | -0.0288% | 5,355 |
| Return on assets (ROA) | -0.0288% | 5,349 |
| Pretax return on assets | -0.1071% | 5,372 |
| Return on Equity (ROE) | -0.1594% | 5,345 |
| Retained earnings to average equity (ytd only) | -0.1594% | 4,981 |
| Net charge-offs to loans | 0.0247% | 2,367 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 3,163 |
| Efficiency ratio | 101.4568% | 153 |
| Assets per employee ($millions) | 3.1046% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 5,054 |
| Loan loss allowance to noncurrent loans | 367.8571% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 2,973 |
| Noncurrent loans to loans | 0.1711% | 4,142 |
| Net loans and leases to total assets | 69.8297% | 2,602 |
| Net loans and leases to deposits | 91.1279% | 1,688 |
| Net loans and leases to core deposits | 91.1279% | 2,475 |
| Total domestic deposits to total assets | 76.6282% | 4,784 |
| Equity capital to assets | 18.8280% | 276 |
| Core capital (leverage) ratio | 18.6639% | 285 |
| Tier 1 risk-based capital ratio | 32.2529% | 401 |
| Total risk-based capital ratio | 33.0117% | 411 |
| Memoranda: | ||
| Average total assets | $48,575,000 | 5,079 |
| Average earning assets | $44,557,000 | 5,079 |
| Average equity | $8,782,670 | 4,566 |
| Average total loans | $32,428,670 | 4,856 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 2,580 |
| Cost of funding earning assets | 0.6071% | 2,011 |
| Net interest margin | 3.6779% | 2,892 |
| Noninterest income to average assets | 0.8633% | 1,257 |
| Noninterest expense to average assets | 3.9614% | 556 |
| Loan and lease loss provision to assets | -0.0081% | 5,404 |
| Net operating income to assets | 0.2582% | 5,156 |
| Return on assets (ROA) | 0.2582% | 5,159 |
| Pretax return on assets | 0.2824% | 5,182 |
| Return on Equity (ROE) | 1.4562% | 5,262 |
| Retained earnings to average equity (ytd only) | 1.4562% | 4,509 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5238% | 314 |
| Assets per employee ($millions) | 3.2537% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 5,167 |
| Loan loss allowance to noncurrent loans | 120.1220% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 1,345 |
| Noncurrent loans to loans | 0.5076% | 2,994 |
| Net loans and leases to total assets | 65.8006% | 3,062 |
| Net loans and leases to deposits | 82.8300% | 2,515 |
| Net loans and leases to core deposits | 86.1404% | 2,795 |
| Total domestic deposits to total assets | 79.4406% | 4,503 |
| Equity capital to assets | 18.0432% | 309 |
| Core capital (leverage) ratio | 17.8122% | 319 |
| Tier 1 risk-based capital ratio | 32.9607% | 375 |
| Total risk-based capital ratio | 33.6998% | 386 |
| Memoranda: | ||
| Average total assets | $49,578,000 | 5,116 |
| Average earning assets | $45,461,000 | 5,120 |
| Average equity | $8,790,000 | 4,611 |
| Average total loans | $32,280,500 | 4,910 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 2,865 |
| Cost of funding earning assets | 0.6389% | 1,361 |
| Net interest margin | 3.5150% | 3,480 |
| Noninterest income to average assets | 0.2323% | 4,743 |
| Noninterest expense to average assets | 4.1139% | 461 |
| Loan and lease loss provision to assets | 0.0258% | 3,779 |
| Net operating income to assets | -0.3713% | 5,493 |
| Return on assets (ROA) | -0.3713% | 5,493 |
| Pretax return on assets | -0.6850% | 5,573 |
| Return on Equity (ROE) | -2.0914% | 5,462 |
| Retained earnings to average equity (ytd only) | -2.0914% | 5,289 |
| Net charge-offs to loans | 0.0435% | 2,922 |
| Credit loss provision to net charge-offs | 92.8571% | 2,729 |
| Earnings coverage of net charge-offs (x) | -23.7143% | 4,105 |
| Efficiency ratio | 119.0805% | 68 |
| Assets per employee ($millions) | 3.3573% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 5,217 |
| Loan loss allowance to noncurrent loans | 60.5505% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 1,007 |
| Noncurrent loans to loans | 1.0140% | 1,751 |
| Net loans and leases to total assets | 63.6458% | 3,403 |
| Net loans and leases to deposits | 79.4172% | 2,979 |
| Net loans and leases to core deposits | 82.4680% | 3,207 |
| Total domestic deposits to total assets | 80.1410% | 4,313 |
| Equity capital to assets | 17.5357% | 355 |
| Core capital (leverage) ratio | 17.2760% | 351 |
| Tier 1 risk-based capital ratio | 32.2394% | 388 |
| Total risk-based capital ratio | 32.9760% | 395 |
| Memoranda: | ||
| Average total assets | $50,366,400 | 5,150 |
| Average earning assets | $46,173,400 | 5,146 |
| Average equity | $8,941,400 | 4,623 |
| Average total loans | $32,157,800 | 4,965 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 2,791 |
| Cost of funding earning assets | 0.6382% | 1,317 |
| Net interest margin | 3.5118% | 3,462 |
| Noninterest income to average assets | 0.2038% | 4,993 |
| Noninterest expense to average assets | 4.0448% | 490 |
| Loan and lease loss provision to assets | 0.0265% | 3,601 |
| Net operating income to assets | -0.3468% | 5,609 |
| Return on assets (ROA) | -0.3468% | 5,608 |
| Pretax return on assets | -0.6485% | 5,637 |
| Return on Equity (ROE) | -1.9474% | 5,585 |
| Retained earnings to average equity (ytd only) | -1.9474% | 5,425 |
| Net charge-offs to loans | 0.0581% | 2,296 |
| Credit loss provision to net charge-offs | 71.4286% | 2,684 |
| Earnings coverage of net charge-offs (x) | -16.7825% | 3,775 |
| Efficiency ratio | 118.1748% | 64 |
| Assets per employee ($millions) | 3.3384% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6208% | 5,288 |
| Loan loss allowance to noncurrent loans | 89.4495% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3619% | 1,155 |
| Noncurrent loans to loans | 0.6941% | 2,626 |
| Net loans and leases to total assets | 62.3333% | 3,612 |
| Net loans and leases to deposits | 78.1698% | 3,146 |
| Net loans and leases to core deposits | 81.2357% | 3,355 |
| Total domestic deposits to total assets | 79.7408% | 4,381 |
| Equity capital to assets | 17.7450% | 354 |
| Core capital (leverage) ratio | 17.4702% | 346 |
| Tier 1 risk-based capital ratio | 33.5091% | 364 |
| Total risk-based capital ratio | 34.2587% | 374 |
| Memoranda: | ||
| Average total assets | $50,368,000 | 5,202 |
| Average earning assets | $46,167,500 | 5,200 |
| Average equity | $8,969,000 | 4,664 |
| Average total loans | $32,134,750 | 5,012 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 2,717 |
| Cost of funding earning assets | 0.6353% | 1,227 |
| Net interest margin | 3.5007% | 3,396 |
| Noninterest income to average assets | 0.0872% | 5,556 |
| Noninterest expense to average assets | 3.9393% | 569 |
| Loan and lease loss provision to assets | -0.0594% | 5,611 |
| Net operating income to assets | -0.3012% | 5,645 |
| Return on assets (ROA) | -0.3012% | 5,647 |
| Pretax return on assets | -0.5826% | 5,683 |
| Return on Equity (ROE) | -1.6895% | 5,617 |
| Retained earnings to average equity (ytd only) | -1.6895% | 5,319 |
| Net charge-offs to loans | 0.0680% | 1,955 |
| Credit loss provision to net charge-offs | -136.3636% | 4,402 |
| Earnings coverage of net charge-offs (x) | -14.7273% | 3,485 |
| Efficiency ratio | 119.4712% | 68 |
| Assets per employee ($millions) | 3.3748% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 5,457 |
| Loan loss allowance to noncurrent loans | 274.6032% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 1,681 |
| Noncurrent loans to loans | 0.2004% | 4,314 |
| Net loans and leases to total assets | 61.7498% | 3,657 |
| Net loans and leases to deposits | 77.6062% | 3,152 |
| Net loans and leases to core deposits | 78.7539% | 3,525 |
| Total domestic deposits to total assets | 79.5682% | 4,502 |
| Equity capital to assets | 17.6643% | 346 |
| Core capital (leverage) ratio | 17.5794% | 324 |
| Tier 1 risk-based capital ratio | 33.4029% | 350 |
| Total risk-based capital ratio | 34.0626% | 369 |
| Memoranda: | ||
| Average total assets | $50,465,330 | 5,239 |
| Average earning assets | $46,277,000 | 5,231 |
| Average equity | $8,996,670 | 4,681 |
| Average total loans | $32,376,670 | 5,026 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,444 |
| Cost of funding earning assets | 0.6408% | 1,129 |
| Net interest margin | 3.5159% | 3,218 |
| Noninterest income to average assets | 0.5239% | 2,807 |
| Noninterest expense to average assets | 3.7549% | 718 |
| Loan and lease loss provision to assets | -0.1350% | 5,767 |
| Net operating income to assets | 0.1032% | 5,511 |
| Return on assets (ROA) | 0.1032% | 5,516 |
| Pretax return on assets | 0.1270% | 5,500 |
| Return on Equity (ROE) | 0.5762% | 5,556 |
| Retained earnings to average equity (ytd only) | 0.5762% | 4,783 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2119% | 219 |
| Assets per employee ($millions) | 3.3707% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 5,530 |
| Loan loss allowance to noncurrent loans | 791.3043% | 716 |
| Noncurrent assets plus other real estate owned to assets | 1.4735% | 1,110 |
| Noncurrent loans to loans | 0.0713% | 4,916 |
| Net loans and leases to total assets | 63.4355% | 3,342 |
| Net loans and leases to deposits | 80.0944% | 2,741 |
| Net loans and leases to core deposits | 81.2695% | 3,168 |
| Total domestic deposits to total assets | 79.2009% | 4,790 |
| Equity capital to assets | 17.8619% | 314 |
| Core capital (leverage) ratio | 17.7494% | 307 |
| Tier 1 risk-based capital ratio | 32.9939% | 376 |
| Total risk-based capital ratio | 33.6727% | 393 |
| Memoranda: | ||
| Average total assets | $50,387,000 | 5,301 |
| Average earning assets | $46,190,500 | 5,291 |
| Average equity | $9,024,000 | 4,713 |
| Average total loans | $32,849,000 | 5,067 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 1,881 |
| Cost of funding earning assets | 0.6959% | 825 |
| Net interest margin | 3.6840% | 2,762 |
| Noninterest income to average assets | 0.4592% | 3,483 |
| Noninterest expense to average assets | 3.7112% | 867 |
| Loan and lease loss provision to assets | -0.0059% | 5,476 |
| Net operating income to assets | 0.1747% | 5,457 |
| Return on assets (ROA) | 0.1747% | 5,502 |
| Pretax return on assets | 0.1511% | 5,540 |
| Return on Equity (ROE) | 0.9933% | 5,569 |
| Retained earnings to average equity (ytd only) | 0.9933% | 4,927 |
| Net charge-offs to loans | 0.0057% | 4,059 |
| Credit loss provision to net charge-offs | -150.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,247 |
| Efficiency ratio | 96.2341% | 303 |
| Assets per employee ($millions) | 3.3476% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 5,543 |
| Loan loss allowance to noncurrent loans | 79.2829% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 1,703 |
| Noncurrent loans to loans | 0.7505% | 2,653 |
| Net loans and leases to total assets | 66.2046% | 3,044 |
| Net loans and leases to deposits | 83.6685% | 2,459 |
| Net loans and leases to core deposits | 86.3256% | 2,825 |
| Total domestic deposits to total assets | 79.1273% | 4,766 |
| Equity capital to assets | 17.9571% | 304 |
| Core capital (leverage) ratio | 17.7181% | 300 |
| Tier 1 risk-based capital ratio | 32.8266% | 382 |
| Total risk-based capital ratio | 33.5649% | 394 |
| Memoranda: | ||
| Average total assets | $50,953,400 | 5,326 |
| Average earning assets | $46,987,000 | 5,311 |
| Average equity | $8,959,800 | 4,771 |
| Average total loans | $34,797,600 | 5,045 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 1,874 |
| Cost of funding earning assets | 0.7037% | 802 |
| Net interest margin | 3.6909% | 2,752 |
| Noninterest income to average assets | 0.4641% | 3,461 |
| Noninterest expense to average assets | 3.7336% | 810 |
| Loan and lease loss provision to assets | 0.0182% | 3,880 |
| Net operating income to assets | 0.1330% | 5,581 |
| Return on assets (ROA) | 0.1330% | 5,636 |
| Pretax return on assets | 0.1173% | 5,657 |
| Return on Equity (ROE) | 0.7602% | 5,671 |
| Retained earnings to average equity (ytd only) | 0.7602% | 5,162 |
| Net charge-offs to loans | 0.0038% | 3,791 |
| Credit loss provision to net charge-offs | 700.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 52.1278% | 1,039 |
| Efficiency ratio | 96.4960% | 300 |
| Assets per employee ($millions) | 3.3783% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 5,588 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 2,076 |
| Noncurrent loans to loans | 0.5508% | 3,346 |
| Net loans and leases to total assets | 67.2935% | 2,904 |
| Net loans and leases to deposits | 84.4189% | 2,441 |
| Net loans and leases to core deposits | 87.6430% | 2,795 |
| Total domestic deposits to total assets | 79.7139% | 4,574 |
| Equity capital to assets | 17.7188% | 370 |
| Core capital (leverage) ratio | 17.3432% | 341 |
| Tier 1 risk-based capital ratio | 31.4499% | 430 |
| Total risk-based capital ratio | 32.1986% | 443 |
| Memoranda: | ||
| Average total assets | $51,138,250 | 5,375 |
| Average earning assets | $47,177,750 | 5,356 |
| Average equity | $8,945,500 | 4,815 |
| Average total loans | $35,136,250 | 5,089 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,067 |
| Cost of funding earning assets | 0.7014% | 801 |
| Net interest margin | 3.6252% | 2,993 |
| Noninterest income to average assets | 0.4172% | 3,770 |
| Noninterest expense to average assets | 3.7783% | 794 |
| Loan and lease loss provision to assets | 0.0390% | 3,376 |
| Net operating income to assets | 0.0273% | 5,747 |
| Return on assets (ROA) | 0.0273% | 5,780 |
| Pretax return on assets | -0.0546% | 5,810 |
| Return on Equity (ROE) | 0.1567% | 5,784 |
| Retained earnings to average equity (ytd only) | 0.1567% | 5,253 |
| Net charge-offs to loans | 0.0226% | 3,041 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,585 |
| Efficiency ratio | 100.4145% | 236 |
| Assets per employee ($millions) | 3.3937% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 5,686 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 3,106 |
| Noncurrent loans to loans | 0.0085% | 5,472 |
| Net loans and leases to total assets | 68.5381% | 2,702 |
| Net loans and leases to deposits | 87.9683% | 2,002 |
| Net loans and leases to core deposits | 91.3925% | 2,396 |
| Total domestic deposits to total assets | 77.9122% | 5,016 |
| Equity capital to assets | 17.5520% | 374 |
| Core capital (leverage) ratio | 17.1768% | 352 |
| Tier 1 risk-based capital ratio | 30.9708% | 457 |
| Total risk-based capital ratio | 31.7153% | 470 |
| Memoranda: | ||
| Average total assets | $51,292,670 | 5,433 |
| Average earning assets | $47,335,000 | 5,409 |
| Average equity | $8,934,330 | 4,856 |
| Average total loans | $35,411,330 | 5,127 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,072 |
| Cost of funding earning assets | 0.6982% | 813 |
| Net interest margin | 3.6174% | 3,014 |
| Noninterest income to average assets | 0.4273% | 3,635 |
| Noninterest expense to average assets | 3.7059% | 890 |
| Loan and lease loss provision to assets | 0.0078% | 3,581 |
| Net operating income to assets | 0.0932% | 5,691 |
| Return on assets (ROA) | 0.0932% | 5,732 |
| Pretax return on assets | 0.0544% | 5,777 |
| Return on Equity (ROE) | 0.5373% | 5,764 |
| Retained earnings to average equity (ytd only) | 0.5373% | 4,982 |
| Net charge-offs to loans | -0.0112% | 4,580 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3505% | 333 |
| Assets per employee ($millions) | 3.4187% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 5,772 |
| Loan loss allowance to noncurrent loans | 212.3711% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 3,585 |
| Noncurrent loans to loans | 0.2736% | 4,455 |
| Net loans and leases to total assets | 68.7402% | 2,539 |
| Net loans and leases to deposits | 88.0216% | 1,825 |
| Net loans and leases to core deposits | 91.3923% | 2,243 |
| Total domestic deposits to total assets | 78.0948% | 5,133 |
| Equity capital to assets | 17.4337% | 383 |
| Core capital (leverage) ratio | 17.0175% | 369 |
| Tier 1 risk-based capital ratio | 30.6643% | 477 |
| Total risk-based capital ratio | 31.3838% | 495 |
| Memoranda: | ||
| Average total assets | $51,486,000 | 5,481 |
| Average earning assets | $47,548,000 | 5,459 |
| Average equity | $8,934,000 | 4,875 |
| Average total loans | $35,567,000 | 5,160 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,872 |
| Cost of funding earning assets | 0.7841% | 539 |
| Net interest margin | 3.6245% | 3,039 |
| Noninterest income to average assets | 0.4512% | 3,656 |
| Noninterest expense to average assets | 3.3102% | 1,699 |
| Loan and lease loss provision to assets | -0.1073% | 5,865 |
| Net operating income to assets | 0.4253% | 4,968 |
| Return on assets (ROA) | 0.4253% | 5,049 |
| Pretax return on assets | 0.5992% | 4,840 |
| Return on Equity (ROE) | 2.6041% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.6041% | 4,223 |
| Net charge-offs to loans | 0.0659% | 2,915 |
| Credit loss provision to net charge-offs | -241.6667% | 5,305 |
| Earnings coverage of net charge-offs (x) | 11.0833% | 2,622 |
| Efficiency ratio | 87.0623% | 903 |
| Assets per employee ($millions) | 3.4461% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5690% | 5,839 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 3,489 |
| Noncurrent loans to loans | 0.3251% | 4,293 |
| Net loans and leases to total assets | 68.6276% | 2,609 |
| Net loans and leases to deposits | 87.7160% | 1,915 |
| Net loans and leases to core deposits | 91.0409% | 2,310 |
| Total domestic deposits to total assets | 78.2384% | 5,117 |
| Equity capital to assets | 17.2715% | 381 |
| Core capital (leverage) ratio | 16.7322% | 397 |
| Tier 1 risk-based capital ratio | 30.6180% | 481 |
| Total risk-based capital ratio | 31.3271% | 496 |
| Memoranda: | ||
| Average total assets | $54,075,400 | 5,455 |
| Average earning assets | $49,993,200 | 5,437 |
| Average equity | $8,832,200 | 4,886 |
| Average total loans | $36,403,200 | 5,139 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,912 |
| Cost of funding earning assets | 0.8094% | 472 |
| Net interest margin | 3.5936% | 3,190 |
| Noninterest income to average assets | 0.4512% | 3,706 |
| Noninterest expense to average assets | 3.1875% | 2,002 |
| Loan and lease loss provision to assets | -0.1756% | 6,079 |
| Net operating income to assets | 0.5170% | 4,730 |
| Return on assets (ROA) | 0.5170% | 4,819 |
| Pretax return on assets | 0.7633% | 4,453 |
| Return on Equity (ROE) | 3.2090% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.2090% | 4,177 |
| Net charge-offs to loans | 0.0219% | 3,496 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,522 |
| Earnings coverage of net charge-offs (x) | 40.1663% | 1,245 |
| Efficiency ratio | 84.4315% | 1,127 |
| Assets per employee ($millions) | 3.5297% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 5,923 |
| Loan loss allowance to noncurrent loans | 630.3030% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 4,292 |
| Noncurrent loans to loans | 0.0924% | 5,257 |
| Net loans and leases to total assets | 67.0362% | 2,846 |
| Net loans and leases to deposits | 85.0397% | 2,275 |
| Net loans and leases to core deposits | 88.7525% | 2,582 |
| Total domestic deposits to total assets | 78.8294% | 5,016 |
| Equity capital to assets | 16.8285% | 452 |
| Core capital (leverage) ratio | 16.5446% | 424 |
| Tier 1 risk-based capital ratio | 30.7809% | 481 |
| Total risk-based capital ratio | 31.5125% | 502 |
| Memoranda: | ||
| Average total assets | $54,671,250 | 5,511 |
| Average earning assets | $50,570,250 | 5,491 |
| Average equity | $8,808,250 | 4,951 |
| Average total loans | $36,584,500 | 5,192 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 1,876 |
| Cost of funding earning assets | 0.8417% | 396 |
| Net interest margin | 3.5507% | 3,287 |
| Noninterest income to average assets | 0.3801% | 4,234 |
| Noninterest expense to average assets | 3.1532% | 2,112 |
| Loan and lease loss provision to assets | -0.2317% | 6,198 |
| Net operating income to assets | 0.5032% | 4,755 |
| Return on assets (ROA) | 0.5032% | 4,862 |
| Pretax return on assets | 0.7421% | 4,520 |
| Return on Equity (ROE) | 3.1683% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.1683% | 4,040 |
| Net charge-offs to loans | 0.0434% | 2,832 |
| Credit loss provision to net charge-offs | -800.0000% | 5,309 |
| Earnings coverage of net charge-offs (x) | 17.6250% | 1,845 |
| Efficiency ratio | 86.0672% | 1,056 |
| Assets per employee ($millions) | 3.8129% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 5,992 |
| Loan loss allowance to noncurrent loans | 7,133.3333% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 4,646 |
| Noncurrent loans to loans | 0.0082% | 5,735 |
| Net loans and leases to total assets | 67.7688% | 2,680 |
| Net loans and leases to deposits | 85.5383% | 2,101 |
| Net loans and leases to core deposits | 89.7843% | 2,369 |
| Total domestic deposits to total assets | 79.2263% | 5,044 |
| Equity capital to assets | 16.5530% | 460 |
| Core capital (leverage) ratio | 16.1050% | 452 |
| Tier 1 risk-based capital ratio | 30.1284% | 538 |
| Total risk-based capital ratio | 30.8709% | 555 |
| Memoranda: | ||
| Average total assets | $55,246,330 | 5,559 |
| Average earning assets | $51,089,000 | 5,539 |
| Average equity | $8,774,330 | 4,997 |
| Average total loans | $36,879,000 | 5,224 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 1,835 |
| Cost of funding earning assets | 0.9102% | 274 |
| Net interest margin | 3.4711% | 3,548 |
| Noninterest income to average assets | 0.4699% | 3,503 |
| Noninterest expense to average assets | 3.0545% | 2,418 |
| Loan and lease loss provision to assets | -0.3845% | 6,330 |
| Net operating income to assets | 0.6479% | 4,058 |
| Return on assets (ROA) | 0.6479% | 4,177 |
| Pretax return on assets | 1.0039% | 3,482 |
| Return on Equity (ROE) | 4.1631% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.1631% | 3,506 |
| Net charge-offs to loans | -0.0215% | 5,084 |
| Credit loss provision to net charge-offs | 2,700.0000% | 146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1395% | 1,470 |
| Assets per employee ($millions) | 3.6512% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 6,009 |
| Loan loss allowance to noncurrent loans | 2,340.0000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 2,736 |
| Noncurrent loans to loans | 0.0271% | 5,699 |
| Net loans and leases to total assets | 66.8730% | 2,624 |
| Net loans and leases to deposits | 83.7641% | 2,114 |
| Net loans and leases to core deposits | 89.5542% | 2,172 |
| Total domestic deposits to total assets | 79.8349% | 5,089 |
| Equity capital to assets | 16.0477% | 537 |
| Core capital (leverage) ratio | 15.2027% | 578 |
| Tier 1 risk-based capital ratio | 29.3183% | 578 |
| Total risk-based capital ratio | 30.1113% | 591 |
| Memoranda: | ||
| Average total assets | $56,179,500 | 5,584 |
| Average earning assets | $51,857,000 | 5,567 |
| Average equity | $8,743,500 | 5,051 |
| Average total loans | $37,124,000 | 5,241 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 2,164 |
| Cost of funding earning assets | 0.9198% | 345 |
| Net interest margin | 3.4993% | 3,797 |
| Noninterest income to average assets | 0.2733% | 5,166 |
| Noninterest expense to average assets | 3.1195% | 2,455 |
| Loan and lease loss provision to assets | 0.1315% | 1,990 |
| Net operating income to assets | 0.1794% | 5,804 |
| Return on assets (ROA) | 0.1794% | 5,854 |
| Pretax return on assets | 0.2460% | 5,792 |
| Return on Equity (ROE) | 1.2149% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.2149% | 5,236 |
| Net charge-offs to loans | 0.0526% | 3,778 |
| Credit loss provision to net charge-offs | 385.0000% | 678 |
| Earnings coverage of net charge-offs (x) | 11.0500% | 2,552 |
| Efficiency ratio | 89.2037% | 895 |
| Assets per employee ($millions) | 3.8394% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 5,855 |
| Loan loss allowance to noncurrent loans | 7,150.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 2,873 |
| Noncurrent loans to loans | 0.0107% | 5,873 |
| Net loans and leases to total assets | 64.4250% | 3,157 |
| Net loans and leases to deposits | 84.2388% | 2,181 |
| Net loans and leases to core deposits | 89.9968% | 2,285 |
| Total domestic deposits to total assets | 76.4790% | 5,668 |
| Equity capital to assets | 15.1031% | 692 |
| Core capital (leverage) ratio | 14.8291% | 641 |
| Tier 1 risk-based capital ratio | 24.9348% | 844 |
| Total risk-based capital ratio | 25.7661% | 871 |
| Memoranda: | ||
| Average total assets | $58,534,800 | 5,581 |
| Average earning assets | $53,925,800 | 5,568 |
| Average equity | $8,642,400 | 5,056 |
| Average total loans | $38,027,600 | 5,256 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 2,217 |
| Cost of funding earning assets | 0.9185% | 376 |
| Net interest margin | 3.4820% | 3,895 |
| Noninterest income to average assets | 0.2382% | 5,502 |
| Noninterest expense to average assets | 3.0740% | 2,546 |
| Loan and lease loss provision to assets | 0.1928% | 1,251 |
| Net operating income to assets | 0.1384% | 5,965 |
| Return on assets (ROA) | 0.1384% | 5,998 |
| Pretax return on assets | 0.1792% | 5,974 |
| Return on Equity (ROE) | 0.9426% | 6,036 |
| Retained earnings to average equity (ytd only) | 0.9426% | 5,503 |
| Net charge-offs to loans | 0.0454% | 3,584 |
| Credit loss provision to net charge-offs | 653.8462% | 453 |
| Earnings coverage of net charge-offs (x) | 12.6174% | 2,301 |
| Efficiency ratio | 89.2034% | 906 |
| Assets per employee ($millions) | 3.8716% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 5,912 |
| Loan loss allowance to noncurrent loans | 2,006.6667% | 304 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 2,827 |
| Noncurrent loans to loans | 0.0391% | 5,864 |
| Net loans and leases to total assets | 65.5870% | 2,939 |
| Net loans and leases to deposits | 85.4531% | 1,973 |
| Net loans and leases to core deposits | 90.6557% | 2,162 |
| Total domestic deposits to total assets | 76.7521% | 5,718 |
| Equity capital to assets | 14.9000% | 753 |
| Core capital (leverage) ratio | 14.6594% | 686 |
| Tier 1 risk-based capital ratio | 29.4320% | 557 |
| Total risk-based capital ratio | 30.4694% | 552 |
| Memoranda: | ||
| Average total assets | $58,770,750 | 5,642 |
| Average earning assets | $54,144,250 | 5,633 |
| Average equity | $8,628,500 | 5,100 |
| Average total loans | $38,187,250 | 5,295 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 2,227 |
| Cost of funding earning assets | 0.9162% | 395 |
| Net interest margin | 3.4697% | 3,895 |
| Noninterest income to average assets | 0.3017% | 4,993 |
| Noninterest expense to average assets | 3.0846% | 2,553 |
| Loan and lease loss provision to assets | 0.1220% | 2,012 |
| Net operating income to assets | 0.2068% | 5,816 |
| Return on assets (ROA) | 0.2068% | 5,874 |
| Pretax return on assets | 0.2915% | 5,797 |
| Return on Equity (ROE) | 1.4153% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.4153% | 5,174 |
| Net charge-offs to loans | 0.0157% | 3,914 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,048 |
| Efficiency ratio | 88.1783% | 1,073 |
| Assets per employee ($millions) | 3.9353% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 6,182 |
| Loan loss allowance to noncurrent loans | 1,007.6923% | 520 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 2,296 |
| Noncurrent loans to loans | 0.0690% | 5,819 |
| Net loans and leases to total assets | 63.3739% | 3,183 |
| Net loans and leases to deposits | 82.1544% | 2,237 |
| Net loans and leases to core deposits | 87.5433% | 2,361 |
| Total domestic deposits to total assets | 77.1400% | 5,784 |
| Equity capital to assets | 14.6589% | 784 |
| Core capital (leverage) ratio | 14.6845% | 655 |
| Tier 1 risk-based capital ratio | 27.1407% | 694 |
| Total risk-based capital ratio | 27.9782% | 705 |
| Memoranda: | ||
| Average total assets | $59,003,000 | 5,686 |
| Average earning assets | $54,356,330 | 5,680 |
| Average equity | $8,620,330 | 5,129 |
| Average total loans | $38,119,670 | 5,335 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,202 |
| Cost of funding earning assets | 0.9195% | 409 |
| Net interest margin | 3.4645% | 3,840 |
| Noninterest income to average assets | 0.2984% | 4,972 |
| Noninterest expense to average assets | 3.0717% | 2,617 |
| Loan and lease loss provision to assets | 0.2238% | 1,002 |
| Net operating income to assets | 0.1492% | 5,931 |
| Return on assets (ROA) | 0.1492% | 5,962 |
| Pretax return on assets | 0.1966% | 5,922 |
| Return on Equity (ROE) | 1.0228% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.0228% | 5,188 |
| Net charge-offs to loans | -0.0104% | 5,063 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9612% | 1,228 |
| Assets per employee ($millions) | 3.9180% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 6,280 |
| Loan loss allowance to noncurrent loans | 105.1181% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 2,240 |
| Noncurrent loans to loans | 0.6665% | 4,197 |
| Net loans and leases to total assets | 64.3900% | 2,828 |
| Net loans and leases to deposits | 83.4333% | 1,886 |
| Net loans and leases to core deposits | 88.9124% | 2,006 |
| Total domestic deposits to total assets | 77.1754% | 5,941 |
| Equity capital to assets | 14.6571% | 750 |
| Core capital (leverage) ratio | 14.5630% | 685 |
| Tier 1 risk-based capital ratio | 26.9188% | 715 |
| Total risk-based capital ratio | 27.7531% | 736 |
| Memoranda: | ||
| Average total assets | $58,990,000 | 5,740 |
| Average earning assets | $54,379,500 | 5,728 |
| Average equity | $8,604,000 | 5,152 |
| Average total loans | $38,344,000 | 5,380 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 2,596 |
| Cost of funding earning assets | 0.9748% | 515 |
| Net interest margin | 3.4236% | 4,189 |
| Noninterest income to average assets | 0.1153% | 6,335 |
| Noninterest expense to average assets | 2.9397% | 3,230 |
| Loan and lease loss provision to assets | 0.0618% | 3,902 |
| Net operating income to assets | 0.1989% | 5,819 |
| Return on assets (ROA) | 0.1989% | 5,890 |
| Pretax return on assets | 0.2540% | 5,841 |
| Return on Equity (ROE) | 1.3943% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.3943% | 5,198 |
| Net charge-offs to loans | 0.0748% | 4,160 |
| Credit loss provision to net charge-offs | 123.3333% | 1,928 |
| Earnings coverage of net charge-offs (x) | 6.3000% | 3,091 |
| Efficiency ratio | 90.2977% | 999 |
| Assets per employee ($millions) | 3.7006% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6014% | 6,470 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 2,859 |
| Noncurrent loans to loans | 0.2074% | 5,565 |
| Net loans and leases to total assets | 64.7644% | 2,910 |
| Net loans and leases to deposits | 83.6832% | 1,975 |
| Net loans and leases to core deposits | 89.2102% | 2,115 |
| Total domestic deposits to total assets | 77.3923% | 5,911 |
| Equity capital to assets | 14.5144% | 781 |
| Core capital (leverage) ratio | 14.2587% | 753 |
| Tier 1 risk-based capital ratio | 26.3612% | 743 |
| Total risk-based capital ratio | 27.0728% | 765 |
| Memoranda: | ||
| Average total assets | $59,836,000 | 5,759 |
| Average earning assets | $54,883,200 | 5,734 |
| Average equity | $8,534,600 | 5,200 |
| Average total loans | $40,088,000 | 5,340 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 2,456 |
| Cost of funding earning assets | 0.9846% | 535 |
| Net interest margin | 3.4557% | 4,071 |
| Noninterest income to average assets | 0.1822% | 6,102 |
| Noninterest expense to average assets | 2.9247% | 3,226 |
| Loan and lease loss provision to assets | 0.0756% | 3,547 |
| Net operating income to assets | 0.2534% | 5,771 |
| Return on assets (ROA) | 0.2534% | 5,867 |
| Pretax return on assets | 0.3489% | 5,747 |
| Return on Equity (ROE) | 1.7841% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.7841% | 5,247 |
| Net charge-offs to loans | 0.0758% | 3,858 |
| Credit loss provision to net charge-offs | 147.8261% | 1,593 |
| Earnings coverage of net charge-offs (x) | 8.3032% | 2,642 |
| Efficiency ratio | 87.3258% | 1,229 |
| Assets per employee ($millions) | 3.9473% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6136% | 6,544 |
| Loan loss allowance to noncurrent loans | 5,925.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 1.7463% | 2,350 |
| Noncurrent loans to loans | 0.0104% | 6,340 |
| Net loans and leases to total assets | 64.8370% | 2,841 |
| Net loans and leases to deposits | 83.9272% | 1,884 |
| Net loans and leases to core deposits | 89.4622% | 2,026 |
| Total domestic deposits to total assets | 77.2538% | 6,009 |
| Equity capital to assets | 14.5060% | 828 |
| Core capital (leverage) ratio | 14.3241% | 780 |
| Tier 1 risk-based capital ratio | 24.5512% | 931 |
| Total risk-based capital ratio | 25.2287% | 992 |
| Memoranda: | ||
| Average total assets | $59,992,500 | 5,821 |
| Average earning assets | $54,980,500 | 5,794 |
| Average equity | $8,519,750 | 5,267 |
| Average total loans | $40,465,250 | 5,380 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 2,397 |
| Cost of funding earning assets | 0.9883% | 570 |
| Net interest margin | 3.4571% | 3,968 |
| Noninterest income to average assets | 0.1726% | 6,174 |
| Noninterest expense to average assets | 2.9575% | 3,136 |
| Loan and lease loss provision to assets | 0.1361% | 2,623 |
| Net operating income to assets | 0.1925% | 5,919 |
| Return on assets (ROA) | 0.1925% | 6,040 |
| Pretax return on assets | 0.2489% | 6,005 |
| Return on Equity (ROE) | 1.3652% | 6,130 |
| Retained earnings to average equity (ytd only) | 1.3652% | 5,339 |
| Net charge-offs to loans | 0.1120% | 3,245 |
| Credit loss provision to net charge-offs | 178.2609% | 1,339 |
| Earnings coverage of net charge-offs (x) | 5.0435% | 2,976 |
| Efficiency ratio | 88.4806% | 1,173 |
| Assets per employee ($millions) | 3.7583% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 6,588 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 1.7911% | 2,428 |
| Noncurrent loans to loans | 0.1554% | 5,936 |
| Net loans and leases to total assets | 64.8806% | 2,780 |
| Net loans and leases to deposits | 83.5078% | 1,866 |
| Net loans and leases to core deposits | 88.8742% | 2,017 |
| Total domestic deposits to total assets | 77.6941% | 6,032 |
| Equity capital to assets | 14.1904% | 906 |
| Core capital (leverage) ratio | 14.1167% | 792 |
| Tier 1 risk-based capital ratio | 25.2366% | 853 |
| Total risk-based capital ratio | 25.9582% | 892 |
| Memoranda: | ||
| Average total assets | $60,253,330 | 5,849 |
| Average earning assets | $55,248,330 | 5,815 |
| Average equity | $8,496,670 | 5,309 |
| Average total loans | $41,078,000 | 5,371 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 2,372 |
| Cost of funding earning assets | 0.9917% | 642 |
| Net interest margin | 3.4529% | 3,892 |
| Noninterest income to average assets | -0.1459% | 6,939 |
| Noninterest expense to average assets | 3.0242% | 2,905 |
| Loan and lease loss provision to assets | -0.0464% | 6,787 |
| Net operating income to assets | 0.0398% | 6,277 |
| Return on assets (ROA) | 0.0398% | 6,361 |
| Pretax return on assets | 0.0398% | 6,357 |
| Return on Equity (ROE) | 0.2831% | 6,379 |
| Retained earnings to average equity (ytd only) | 0.2831% | 5,698 |
| Net charge-offs to loans | 0.1334% | 2,608 |
| Credit loss provision to net charge-offs | -50.0000% | 5,057 |
| Earnings coverage of net charge-offs (x) | -0.0714% | 3,846 |
| Efficiency ratio | 100.2198% | 538 |
| Assets per employee ($millions) | 3.7856% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5015% | 6,791 |
| Loan loss allowance to noncurrent loans | 372.7273% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.7831% | 2,625 |
| Noncurrent loans to loans | 0.1346% | 6,065 |
| Net loans and leases to total assets | 67.1455% | 2,163 |
| Net loans and leases to deposits | 86.2274% | 1,327 |
| Net loans and leases to core deposits | 91.6941% | 1,532 |
| Total domestic deposits to total assets | 77.8702% | 6,129 |
| Equity capital to assets | 14.0020% | 1,024 |
| Core capital (leverage) ratio | 14.1447% | 760 |
| Tier 1 risk-based capital ratio | 24.4254% | 965 |
| Total risk-based capital ratio | 25.0158% | 1,031 |
| Memoranda: | ||
| Average total assets | $60,314,000 | 5,900 |
| Average earning assets | $55,258,500 | 5,865 |
| Average equity | $8,478,500 | 5,366 |
| Average total loans | $41,988,000 | 5,375 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 2,169 |
| Cost of funding earning assets | 1.1745% | 651 |
| Net interest margin | 3.6314% | 3,956 |
| Noninterest income to average assets | 0.4673% | 4,120 |
| Noninterest expense to average assets | 3.1570% | 2,746 |
| Loan and lease loss provision to assets | 0.0605% | 5,021 |
| Net operating income to assets | 0.4236% | 4,991 |
| Return on assets (ROA) | 0.4236% | 5,249 |
| Pretax return on assets | 0.5867% | 5,034 |
| Return on Equity (ROE) | 3.0193% | 5,548 |
| Retained earnings to average equity (ytd only) | 3.0193% | 4,110 |
| Net charge-offs to loans | 0.1106% | 4,568 |
| Credit loss provision to net charge-offs | 76.5957% | 3,944 |
| Earnings coverage of net charge-offs (x) | 8.1915% | 2,457 |
| Efficiency ratio | 82.9872% | 1,747 |
| Assets per employee ($millions) | 3.5328% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5243% | 6,822 |
| Loan loss allowance to noncurrent loans | 4,520.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 1.8582% | 2,624 |
| Noncurrent loans to loans | 0.0116% | 6,525 |
| Net loans and leases to total assets | 71.3893% | 1,590 |
| Net loans and leases to deposits | 91.9749% | 914 |
| Net loans and leases to core deposits | 97.8591% | 1,154 |
| Total domestic deposits to total assets | 77.6183% | 6,140 |
| Equity capital to assets | 14.1130% | 999 |
| Core capital (leverage) ratio | 14.1946% | 745 |
| Tier 1 risk-based capital ratio | 23.8070% | 993 |
| Total risk-based capital ratio | 24.4418% | 1,069 |
| Memoranda: | ||
| Average total assets | $59,486,400 | 5,934 |
| Average earning assets | $54,661,400 | 5,907 |
| Average equity | $8,346,400 | 5,410 |
| Average total loans | $42,510,000 | 5,399 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 2,295 |
| Cost of funding earning assets | 1.2039% | 681 |
| Net interest margin | 3.6213% | 4,145 |
| Noninterest income to average assets | 0.4156% | 4,513 |
| Noninterest expense to average assets | 3.1432% | 2,743 |
| Loan and lease loss provision to assets | 0.0741% | 4,733 |
| Net operating income to assets | 0.3977% | 5,258 |
| Return on assets (ROA) | 0.3977% | 5,478 |
| Pretax return on assets | 0.5302% | 5,378 |
| Return on Equity (ROE) | 2.8385% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.8385% | 4,845 |
| Net charge-offs to loans | 0.1385% | 4,007 |
| Credit loss provision to net charge-offs | 75.0000% | 3,770 |
| Earnings coverage of net charge-offs (x) | 6.1132% | 2,850 |
| Efficiency ratio | 83.8729% | 1,605 |
| Assets per employee ($millions) | 3.5382% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5295% | 6,936 |
| Loan loss allowance to noncurrent loans | 4,540.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 2,834 |
| Noncurrent loans to loans | 0.0117% | 6,626 |
| Net loans and leases to total assets | 70.8928% | 1,744 |
| Net loans and leases to deposits | 91.0920% | 1,042 |
| Net loans and leases to core deposits | 96.4293% | 1,375 |
| Total domestic deposits to total assets | 77.8254% | 6,112 |
| Equity capital to assets | 13.9651% | 1,171 |
| Core capital (leverage) ratio | 13.9465% | 855 |
| Tier 1 risk-based capital ratio | 23.6001% | 1,078 |
| Total risk-based capital ratio | 24.2379% | 1,149 |
| Memoranda: | ||
| Average total assets | $59,343,500 | 6,003 |
| Average earning assets | $54,601,250 | 5,973 |
| Average equity | $8,314,000 | 5,471 |
| Average total loans | $42,362,250 | 5,473 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 2,378 |
| Cost of funding earning assets | 1.2013% | 814 |
| Net interest margin | 3.6296% | 4,142 |
| Noninterest income to average assets | 0.5146% | 3,825 |
| Noninterest expense to average assets | 3.2027% | 2,579 |
| Loan and lease loss provision to assets | 0.1219% | 3,997 |
| Net operating income to assets | 0.4198% | 5,149 |
| Return on assets (ROA) | 0.4198% | 5,376 |
| Pretax return on assets | 0.5349% | 5,353 |
| Return on Equity (ROE) | 2.9932% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.9932% | 4,651 |
| Net charge-offs to loans | 0.2180% | 3,266 |
| Credit loss provision to net charge-offs | 78.2609% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.2174% | 3,144 |
| Efficiency ratio | 82.9825% | 1,748 |
| Assets per employee ($millions) | 3.4926% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 6,994 |
| Loan loss allowance to noncurrent loans | 184.5528% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 1.9672% | 2,821 |
| Noncurrent loans to loans | 0.2919% | 5,984 |
| Net loans and leases to total assets | 70.5869% | 1,805 |
| Net loans and leases to deposits | 90.9428% | 1,054 |
| Net loans and leases to core deposits | 96.3449% | 1,403 |
| Total domestic deposits to total assets | 77.6168% | 6,228 |
| Equity capital to assets | 14.0581% | 1,077 |
| Core capital (leverage) ratio | 14.1607% | 763 |
| Tier 1 risk-based capital ratio | 23.7772% | 1,045 |
| Total risk-based capital ratio | 24.4239% | 1,091 |
| Memoranda: | ||
| Average total assets | $59,074,670 | 6,049 |
| Average earning assets | $54,441,330 | 6,021 |
| Average equity | $8,285,330 | 5,484 |
| Average total loans | $42,193,330 | 5,507 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 2,218 |
| Cost of funding earning assets | 1.2336% | 831 |
| Net interest margin | 3.6714% | 3,955 |
| Noninterest income to average assets | 0.4820% | 4,047 |
| Noninterest expense to average assets | 3.1362% | 2,800 |
| Loan and lease loss provision to assets | 0.1426% | 3,573 |
| Net operating income to assets | 0.4277% | 5,135 |
| Return on assets (ROA) | 0.4277% | 5,323 |
| Pretax return on assets | 0.5974% | 5,128 |
| Return on Equity (ROE) | 3.0529% | 5,697 |
| Retained earnings to average equity (ytd only) | 3.0529% | 4,727 |
| Net charge-offs to loans | 0.3221% | 2,362 |
| Credit loss provision to net charge-offs | 61.7647% | 3,077 |
| Earnings coverage of net charge-offs (x) | 3.2059% | 2,918 |
| Efficiency ratio | 80.9107% | 2,090 |
| Assets per employee ($millions) | 3.4682% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5407% | 7,036 |
| Loan loss allowance to noncurrent loans | 182.9268% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 2.1828% | 2,706 |
| Noncurrent loans to loans | 0.2956% | 6,080 |
| Net loans and leases to total assets | 70.2001% | 1,723 |
| Net loans and leases to deposits | 90.4779% | 921 |
| Net loans and leases to core deposits | 95.8745% | 1,307 |
| Total domestic deposits to total assets | 77.5882% | 6,322 |
| Equity capital to assets | 14.0536% | 1,009 |
| Core capital (leverage) ratio | 14.0794% | 784 |
| Tier 1 risk-based capital ratio | 23.0570% | 1,124 |
| Total risk-based capital ratio | 23.6831% | 1,197 |
| Memoranda: | ||
| Average total assets | $58,924,500 | 6,097 |
| Average earning assets | $54,474,500 | 6,051 |
| Average equity | $8,254,500 | 5,515 |
| Average total loans | $42,221,000 | 5,543 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 1,487 |
| Cost of funding earning assets | 1.3304% | 1,342 |
| Net interest margin | 4.0427% | 2,665 |
| Noninterest income to average assets | 0.1470% | 6,415 |
| Noninterest expense to average assets | 3.2413% | 2,722 |
| Loan and lease loss provision to assets | 0.1920% | 4,263 |
| Net operating income to assets | 0.3096% | 5,216 |
| Return on assets (ROA) | 0.3096% | 5,373 |
| Pretax return on assets | 0.5085% | 4,968 |
| Return on Equity (ROE) | 2.1977% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.1977% | 4,647 |
| Net charge-offs to loans | 0.3020% | 3,889 |
| Credit loss provision to net charge-offs | 81.0219% | 4,405 |
| Earnings coverage of net charge-offs (x) | 2.9562% | 3,728 |
| Efficiency ratio | 82.2290% | 1,987 |
| Assets per employee ($millions) | 3.2716% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5557% | 7,057 |
| Loan loss allowance to noncurrent loans | 49.0722% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0224% | 2,939 |
| Noncurrent loans to loans | 1.1325% | 4,468 |
| Net loans and leases to total assets | 72.3208% | 1,589 |
| Net loans and leases to deposits | 93.1844% | 871 |
| Net loans and leases to core deposits | 98.7411% | 1,281 |
| Total domestic deposits to total assets | 77.6104% | 6,255 |
| Equity capital to assets | 13.9636% | 1,077 |
| Core capital (leverage) ratio | 13.9612% | 832 |
| Tier 1 risk-based capital ratio | 22.6860% | 1,133 |
| Total risk-based capital ratio | 23.3426% | 1,199 |
| Memoranda: | ||
| Average total assets | $57,817,000 | 6,114 |
| Average earning assets | $54,270,600 | 6,037 |
| Average equity | $8,145,000 | 5,526 |
| Average total loans | $45,370,400 | 5,446 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 1,480 |
| Cost of funding earning assets | 1.3646% | 1,398 |
| Net interest margin | 4.0470% | 2,703 |
| Noninterest income to average assets | 0.1645% | 6,419 |
| Noninterest expense to average assets | 3.3061% | 2,477 |
| Loan and lease loss provision to assets | 0.1738% | 4,295 |
| Net operating income to assets | 0.2942% | 5,419 |
| Return on assets (ROA) | 0.2942% | 5,590 |
| Pretax return on assets | 0.4842% | 5,212 |
| Return on Equity (ROE) | 2.0839% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.0839% | 5,097 |
| Net charge-offs to loans | 0.2637% | 3,795 |
| Credit loss provision to net charge-offs | 82.4176% | 4,057 |
| Earnings coverage of net charge-offs (x) | 3.1209% | 3,575 |
| Efficiency ratio | 83.4015% | 1,804 |
| Assets per employee ($millions) | 3.2610% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 7,138 |
| Loan loss allowance to noncurrent loans | 24.3590% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 3.6764% | 1,701 |
| Noncurrent loans to loans | 2.2105% | 3,098 |
| Net loans and leases to total assets | 77.7267% | 738 |
| Net loans and leases to deposits | 100.0526% | 474 |
| Net loans and leases to core deposits | 106.0234% | 862 |
| Total domestic deposits to total assets | 77.6858% | 6,254 |
| Equity capital to assets | 13.9204% | 1,188 |
| Core capital (leverage) ratio | 13.9974% | 905 |
| Tier 1 risk-based capital ratio | 21.8669% | 1,317 |
| Total risk-based capital ratio | 22.5279% | 1,386 |
| Memoranda: | ||
| Average total assets | $57,549,000 | 6,166 |
| Average earning assets | $54,030,500 | 6,095 |
| Average equity | $8,125,500 | 5,558 |
| Average total loans | $46,006,250 | 5,464 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 1,281 |
| Cost of funding earning assets | 1.3865% | 1,474 |
| Net interest margin | 4.1224% | 2,332 |
| Noninterest income to average assets | 0.3009% | 5,480 |
| Noninterest expense to average assets | 3.2432% | 2,751 |
| Loan and lease loss provision to assets | 0.1994% | 3,935 |
| Net operating income to assets | 0.4513% | 4,715 |
| Return on assets (ROA) | 0.4513% | 4,853 |
| Pretax return on assets | 0.7382% | 4,254 |
| Return on Equity (ROE) | 3.1811% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.1811% | 4,246 |
| Net charge-offs to loans | 0.1259% | 4,472 |
| Credit loss provision to net charge-offs | 196.5517% | 1,540 |
| Earnings coverage of net charge-offs (x) | 9.2414% | 1,948 |
| Efficiency ratio | 77.5732% | 2,777 |
| Assets per employee ($millions) | 3.4134% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6300% | 7,105 |
| Loan loss allowance to noncurrent loans | 206.3830% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 4,358 |
| Noncurrent loans to loans | 0.3052% | 6,314 |
| Net loans and leases to total assets | 79.1028% | 637 |
| Net loans and leases to deposits | 102.3297% | 378 |
| Net loans and leases to core deposits | 108.5258% | 781 |
| Total domestic deposits to total assets | 77.3019% | 6,413 |
| Equity capital to assets | 14.0848% | 1,074 |
| Core capital (leverage) ratio | 14.0936% | 852 |
| Tier 1 risk-based capital ratio | 21.8366% | 1,283 |
| Total risk-based capital ratio | 22.6141% | 1,335 |
| Memoranda: | ||
| Average total assets | $57,166,000 | 6,231 |
| Average earning assets | $53,803,000 | 6,155 |
| Average equity | $8,110,330 | 5,576 |
| Average total loans | $46,051,330 | 5,522 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 1,311 |
| Cost of funding earning assets | 1.4003% | 1,605 |
| Net interest margin | 4.0961% | 2,283 |
| Noninterest income to average assets | 0.2820% | 5,654 |
| Noninterest expense to average assets | 3.2431% | 2,731 |
| Loan and lease loss provision to assets | 0.0846% | 4,940 |
| Net operating income to assets | 0.4935% | 4,512 |
| Return on assets (ROA) | 0.4935% | 4,597 |
| Pretax return on assets | 0.8108% | 3,865 |
| Return on Equity (ROE) | 3.4658% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.4658% | 4,110 |
| Net charge-offs to loans | 0.1392% | 3,675 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 7.9375% | 1,878 |
| Efficiency ratio | 78.3646% | 2,790 |
| Assets per employee ($millions) | 3.3592% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5563% | 7,247 |
| Loan loss allowance to noncurrent loans | 89.0034% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 4,348 |
| Noncurrent loans to loans | 0.6251% | 5,786 |
| Net loans and leases to total assets | 81.0706% | 434 |
| Net loans and leases to deposits | 105.3665% | 270 |
| Net loans and leases to core deposits | 111.8690% | 664 |
| Total domestic deposits to total assets | 76.9415% | 6,545 |
| Equity capital to assets | 14.2084% | 944 |
| Core capital (leverage) ratio | 14.2696% | 787 |
| Tier 1 risk-based capital ratio | 19.6603% | 1,656 |
| Total risk-based capital ratio | 20.2879% | 1,753 |
| Memoranda: | ||
| Average total assets | $56,735,500 | 6,289 |
| Average earning assets | $53,416,500 | 6,220 |
| Average equity | $8,079,000 | 5,582 |
| Average total loans | $45,981,000 | 5,559 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 2,012 |
| Cost of funding earning assets | 1.5413% | 2,400 |
| Net interest margin | 4.0274% | 2,899 |
| Noninterest income to average assets | 0.4111% | 4,816 |
| Noninterest expense to average assets | 3.2761% | 2,811 |
| Loan and lease loss provision to assets | 0.3352% | 4,140 |
| Net operating income to assets | 0.3246% | 4,854 |
| Return on assets (ROA) | 0.3246% | 5,010 |
| Pretax return on assets | 0.5751% | 4,404 |
| Return on Equity (ROE) | 2.3058% | 5,262 |
| Retained earnings to average equity (ytd only) | 2.3058% | 4,264 |
| Net charge-offs to loans | 0.4355% | 3,876 |
| Credit loss provision to net charge-offs | 95.4774% | 4,873 |
| Earnings coverage of net charge-offs (x) | 2.5930% | 3,805 |
| Efficiency ratio | 78.2554% | 2,661 |
| Assets per employee ($millions) | 3.3155% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 7,287 |
| Loan loss allowance to noncurrent loans | 152.0231% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 4,770 |
| Noncurrent loans to loans | 0.3810% | 6,281 |
| Net loans and leases to total assets | 80.0919% | 653 |
| Net loans and leases to deposits | 104.1962% | 392 |
| Net loans and leases to core deposits | 110.7043% | 882 |
| Total domestic deposits to total assets | 76.8664% | 6,504 |
| Equity capital to assets | 14.2715% | 959 |
| Core capital (leverage) ratio | 14.0543% | 834 |
| Tier 1 risk-based capital ratio | 19.8799% | 1,508 |
| Total risk-based capital ratio | 20.5299% | 1,616 |
| Memoranda: | ||
| Average total assets | $56,684,000 | 6,321 |
| Average earning assets | $53,136,000 | 6,248 |
| Average equity | $7,979,800 | 5,719 |
| Average total loans | $45,689,400 | 5,668 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5584% | 2,219 |
| Cost of funding earning assets | 1.5627% | 2,594 |
| Net interest margin | 3.9958% | 3,122 |
| Noninterest income to average assets | 0.3382% | 5,455 |
| Noninterest expense to average assets | 3.3048% | 2,556 |
| Loan and lease loss provision to assets | 0.2842% | 4,305 |
| Net operating income to assets | 0.4909% | 4,355 |
| Return on assets (ROA) | 0.4909% | 4,554 |
| Pretax return on assets | 0.4909% | 4,955 |
| Return on Equity (ROE) | 3.4991% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.4991% | 3,995 |
| Net charge-offs to loans | 0.3963% | 3,701 |
| Credit loss provision to net charge-offs | 88.9706% | 4,810 |
| Earnings coverage of net charge-offs (x) | 2.4265% | 3,962 |
| Efficiency ratio | 81.0017% | 2,208 |
| Assets per employee ($millions) | 3.3858% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 7,414 |
| Loan loss allowance to noncurrent loans | 68.6327% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6835% | 3,918 |
| Noncurrent loans to loans | 0.7960% | 5,623 |
| Net loans and leases to total assets | 80.9708% | 622 |
| Net loans and leases to deposits | 104.7138% | 406 |
| Net loans and leases to core deposits | 111.0513% | 980 |
| Total domestic deposits to total assets | 77.3259% | 6,411 |
| Equity capital to assets | 14.0187% | 1,161 |
| Core capital (leverage) ratio | 14.2328% | 876 |
| Tier 1 risk-based capital ratio | 19.4664% | 1,650 |
| Total risk-based capital ratio | 20.0840% | 1,752 |
| Memoranda: | ||
| Average total assets | $56,764,000 | 6,394 |
| Average earning assets | $53,155,000 | 6,324 |
| Average equity | $7,963,750 | 5,800 |
| Average total loans | $45,760,250 | 5,750 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 2,062 |
| Cost of funding earning assets | 1.5915% | 2,709 |
| Net interest margin | 4.0298% | 2,881 |
| Noninterest income to average assets | 0.2867% | 5,850 |
| Noninterest expense to average assets | 3.3417% | 2,425 |
| Loan and lease loss provision to assets | 0.2159% | 4,732 |
| Net operating income to assets | 0.5027% | 4,315 |
| Return on assets (ROA) | 0.5027% | 4,464 |
| Pretax return on assets | 0.5027% | 4,892 |
| Return on Equity (ROE) | 3.5819% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.5819% | 3,815 |
| Net charge-offs to loans | 0.1983% | 4,418 |
| Credit loss provision to net charge-offs | 135.5556% | 2,954 |
| Earnings coverage of net charge-offs (x) | 4.5111% | 2,931 |
| Efficiency ratio | 82.3017% | 2,118 |
| Assets per employee ($millions) | 3.3111% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 7,353 |
| Loan loss allowance to noncurrent loans | 96.6443% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2152% | 4,709 |
| Noncurrent loans to loans | 0.6633% | 5,927 |
| Net loans and leases to total assets | 79.3032% | 901 |
| Net loans and leases to deposits | 103.0258% | 533 |
| Net loans and leases to core deposits | 108.7483% | 1,246 |
| Total domestic deposits to total assets | 76.9742% | 6,511 |
| Equity capital to assets | 14.2159% | 1,100 |
| Core capital (leverage) ratio | 14.2182% | 871 |
| Tier 1 risk-based capital ratio | 20.2265% | 1,480 |
| Total risk-based capital ratio | 20.9545% | 1,538 |
| Memoranda: | ||
| Average total assets | $56,499,000 | 6,449 |
| Average earning assets | $52,906,330 | 6,372 |
| Average equity | $7,928,670 | 5,828 |
| Average total loans | $45,393,000 | 5,798 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6194% | 2,073 |
| Cost of funding earning assets | 1.6315% | 2,767 |
| Net interest margin | 3.9880% | 2,925 |
| Noninterest income to average assets | 0.2968% | 5,773 |
| Noninterest expense to average assets | 3.4203% | 2,181 |
| Loan and lease loss provision to assets | 0.1555% | 4,976 |
| Net operating income to assets | 0.4523% | 4,607 |
| Return on assets (ROA) | 0.4523% | 4,733 |
| Pretax return on assets | 0.4523% | 5,123 |
| Return on Equity (ROE) | 3.2438% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.2438% | 4,202 |
| Net charge-offs to loans | 0.3331% | 3,078 |
| Credit loss provision to net charge-offs | 57.8947% | 4,341 |
| Earnings coverage of net charge-offs (x) | 2.2632% | 3,407 |
| Efficiency ratio | 84.9123% | 1,919 |
| Assets per employee ($millions) | 2.9290% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 7,540 |
| Loan loss allowance to noncurrent loans | 185.5072% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 5,335 |
| Noncurrent loans to loans | 0.3038% | 6,717 |
| Net loans and leases to total assets | 81.1648% | 691 |
| Net loans and leases to deposits | 105.5227% | 448 |
| Net loans and leases to core deposits | 112.2518% | 1,145 |
| Total domestic deposits to total assets | 76.9169% | 6,577 |
| Equity capital to assets | 14.2387% | 1,085 |
| Core capital (leverage) ratio | 14.0347% | 952 |
| Tier 1 risk-based capital ratio | 19.5240% | 1,611 |
| Total risk-based capital ratio | 20.1547% | 1,699 |
| Memoranda: | ||
| Average total assets | $56,604,000 | 6,517 |
| Average earning assets | $52,959,000 | 6,440 |
| Average equity | $7,892,000 | 5,883 |
| Average total loans | $45,626,000 | 5,860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9969% | 1,884 |
| Cost of funding earning assets | 2.0919% | 2,504 |
| Net interest margin | 3.9049% | 3,250 |
| Noninterest income to average assets | 0.4269% | 4,994 |
| Noninterest expense to average assets | 3.4951% | 2,388 |
| Loan and lease loss provision to assets | 0.5238% | 3,752 |
| Net operating income to assets | 0.1547% | 5,040 |
| Return on assets (ROA) | 0.2498% | 4,800 |
| Pretax return on assets | 0.1566% | 5,096 |
| Return on Equity (ROE) | 1.7089% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.7089% | 3,883 |
| Net charge-offs to loans | 0.6825% | 3,145 |
| Credit loss provision to net charge-offs | 96.2329% | 5,768 |
| Earnings coverage of net charge-offs (x) | 1.0753% | 5,036 |
| Efficiency ratio | 85.6556% | 2,152 |
| Assets per employee ($millions) | 2.8779% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5935% | 7,563 |
| Loan loss allowance to noncurrent loans | 121.9731% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 4,639 |
| Noncurrent loans to loans | 0.4866% | 6,281 |
| Net loans and leases to total assets | 79.1476% | 1,154 |
| Net loans and leases to deposits | 103.4095% | 675 |
| Net loans and leases to core deposits | 124.1314% | 1,627 |
| Total domestic deposits to total assets | 76.5380% | 6,580 |
| Equity capital to assets | 13.6560% | 1,264 |
| Core capital (leverage) ratio | 13.8639% | 1,008 |
| Tier 1 risk-based capital ratio | 18.9800% | 1,657 |
| Total risk-based capital ratio | 19.6368% | 1,739 |
| Memoranda: | ||
| Average total assets | $53,647,000 | 6,570 |
| Average earning assets | $50,193,000 | 6,524 |
| Average equity | $7,841,400 | 5,982 |
| Average total loans | $42,786,000 | 5,988 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 2,617 |
| Cost of funding earning assets | 2.1750% | 2,530 |
| Net interest margin | 3.6872% | 4,125 |
| Noninterest income to average assets | 0.4329% | 5,018 |
| Noninterest expense to average assets | 3.2175% | 3,242 |
| Loan and lease loss provision to assets | 0.3620% | 4,154 |
| Net operating income to assets | 0.3038% | 4,777 |
| Return on assets (ROA) | 0.4329% | 4,366 |
| Pretax return on assets | 0.4329% | 4,706 |
| Return on Equity (ROE) | 2.9092% | 4,833 |
| Retained earnings to average equity (ytd only) | 2.9092% | 3,696 |
| Net charge-offs to loans | 0.3109% | 4,095 |
| Credit loss provision to net charge-offs | 145.9184% | 3,333 |
| Earnings coverage of net charge-offs (x) | 2.6838% | 3,887 |
| Efficiency ratio | 82.8553% | 2,452 |
| Assets per employee ($millions) | 2.7409% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 7,305 |
| Loan loss allowance to noncurrent loans | 53.4202% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 4,424 |
| Noncurrent loans to loans | 1.3683% | 4,636 |
| Net loans and leases to total assets | 81.2598% | 938 |
| Net loans and leases to deposits | 106.2062% | 643 |
| Net loans and leases to core deposits | 131.7627% | 1,338 |
| Total domestic deposits to total assets | 76.5114% | 6,472 |
| Equity capital to assets | 14.4204% | 1,167 |
| Core capital (leverage) ratio | 14.4226% | 974 |
| Tier 1 risk-based capital ratio | 19.6882% | 1,621 |
| Total risk-based capital ratio | 20.5051% | 1,661 |
| Memoranda: | ||
| Average total assets | $52,669,500 | 6,652 |
| Average earning assets | $49,286,000 | 6,602 |
| Average equity | $7,836,750 | 6,037 |
| Average total loans | $42,025,750 | 6,067 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7962% | 3,064 |
| Cost of funding earning assets | 2.1932% | 2,823 |
| Net interest margin | 3.6030% | 4,345 |
| Noninterest income to average assets | 0.4389% | 4,943 |
| Noninterest expense to average assets | 3.1336% | 3,565 |
| Loan and lease loss provision to assets | 0.2233% | 4,801 |
| Net operating income to assets | 0.4466% | 4,306 |
| Return on assets (ROA) | 0.5274% | 4,107 |
| Pretax return on assets | 0.5274% | 4,530 |
| Return on Equity (ROE) | 3.5065% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.5065% | 3,359 |
| Net charge-offs to loans | 0.3360% | 3,496 |
| Credit loss provision to net charge-offs | 84.0580% | 5,089 |
| Earnings coverage of net charge-offs (x) | 2.5217% | 3,805 |
| Efficiency ratio | 82.3887% | 2,679 |
| Assets per employee ($millions) | 2.7259% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 7,574 |
| Loan loss allowance to noncurrent loans | 32.8106% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 3,768 |
| Noncurrent loans to loans | 1.9303% | 3,629 |
| Net loans and leases to total assets | 78.2769% | 1,684 |
| Net loans and leases to deposits | 102.3750% | 1,047 |
| Net loans and leases to core deposits | 127.1452% | 1,773 |
| Total domestic deposits to total assets | 76.4610% | 6,448 |
| Equity capital to assets | 14.4374% | 1,182 |
| Core capital (leverage) ratio | 14.6198% | 997 |
| Tier 1 risk-based capital ratio | 20.0724% | 1,565 |
| Total risk-based capital ratio | 20.7661% | 1,631 |
| Memoranda: | ||
| Average total assets | $51,953,330 | 6,747 |
| Average earning assets | $48,514,670 | 6,690 |
| Average equity | $7,814,000 | 6,081 |
| Average total loans | $41,076,670 | 6,153 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8774% | 2,905 |
| Cost of funding earning assets | 2.1797% | 3,264 |
| Net interest margin | 3.6978% | 3,900 |
| Noninterest income to average assets | 0.4500% | 4,770 |
| Noninterest expense to average assets | 3.1103% | 3,341 |
| Loan and lease loss provision to assets | 0.1342% | 5,243 |
| Net operating income to assets | 0.6473% | 3,808 |
| Return on assets (ROA) | 0.8131% | 3,232 |
| Pretax return on assets | 0.8131% | 4,031 |
| Return on Equity (ROE) | 5.2919% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.2919% | 2,964 |
| Net charge-offs to loans | 0.3587% | 2,654 |
| Credit loss provision to net charge-offs | 47.2222% | 4,722 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,390 |
| Efficiency ratio | 79.9189% | 2,836 |
| Assets per employee ($millions) | 2.6438% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 7,528 |
| Loan loss allowance to noncurrent loans | 30.5910% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 3,198 |
| Noncurrent loans to loans | 2.1919% | 2,990 |
| Net loans and leases to total assets | 73.9631% | 2,768 |
| Net loans and leases to deposits | 97.4727% | 1,742 |
| Net loans and leases to core deposits | 122.8807% | 2,176 |
| Total domestic deposits to total assets | 75.8809% | 6,530 |
| Equity capital to assets | 14.8217% | 1,155 |
| Core capital (leverage) ratio | 15.2284% | 917 |
| Tier 1 risk-based capital ratio | 21.5681% | 1,362 |
| Total risk-based capital ratio | 22.2947% | 1,413 |
| Memoranda: | ||
| Average total assets | $50,671,000 | 6,835 |
| Average earning assets | $47,163,500 | 6,788 |
| Average equity | $7,785,500 | 6,127 |
| Average total loans | $40,141,500 | 6,233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9892% | 5,598 |
| Cost of funding earning assets | 2.6388% | 3,492 |
| Net interest margin | 3.3503% | 5,861 |
| Noninterest income to average assets | 0.4571% | 4,984 |
| Noninterest expense to average assets | 3.5100% | 2,371 |
| Loan and lease loss provision to assets | 0.2227% | 4,660 |
| Net operating income to assets | -0.0234% | 6,404 |
| Return on assets (ROA) | -0.0234% | 6,261 |
| Pretax return on assets | -0.1484% | 6,322 |
| Return on Equity (ROE) | -0.1553% | 6,254 |
| Retained earnings to average equity (ytd only) | -0.1553% | 5,322 |
| Net charge-offs to loans | 0.1933% | 4,256 |
| Credit loss provision to net charge-offs | 152.0000% | 3,447 |
| Earnings coverage of net charge-offs (x) | 0.5067% | 5,930 |
| Efficiency ratio | 97.9292% | 1,064 |
| Assets per employee ($millions) | 2.4234% | 7,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 7,456 |
| Loan loss allowance to noncurrent loans | 95.2862% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 4,822 |
| Noncurrent loans to loans | 0.7260% | 5,217 |
| Net loans and leases to total assets | 83.8261% | 915 |
| Net loans and leases to deposits | 103.1848% | 1,441 |
| Net loans and leases to core deposits | 130.3475% | 1,826 |
| Total domestic deposits to total assets | 81.2388% | 4,537 |
| Equity capital to assets | 15.9572% | 942 |
| Core capital (leverage) ratio | 15.6838% | 883 |
| Tier 1 risk-based capital ratio | 20.4863% | 1,537 |
| Total risk-based capital ratio | 21.2360% | 1,585 |
| Memoranda: | ||
| Average total assets | $51,196,800 | 6,725 |
| Average earning assets | $47,786,200 | 6,676 |
| Average equity | $7,729,200 | 6,198 |
| Average total loans | $38,805,400 | 6,234 |