Home > American Bank > Performance and Condition Ratios
American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4223% | 106 |
| Cost of funding earning assets | 3.2207% | 110 |
| Net interest margin | 5.2016% | 264 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.5635% | 2,116 |
| Loan and lease loss provision to assets | 1.5000% | 42 |
| Net operating income to assets | 0.9510% | 2,360 |
| Return on assets (ROA) | 0.9510% | 2,353 |
| Pretax return on assets | 1.1940% | 2,154 |
| Return on Equity (ROE) | 7.7500% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.7543% | 1,608 |
| Net charge-offs to loans | 2.2499% | 40 |
| Credit loss provision to net charge-offs | 95.1579% | 1,901 |
| Earnings coverage of net charge-offs (x) | 1.7093% | 2,745 |
| Efficiency ratio | 48.2294% | 4,079 |
| Assets per employee ($millions) | 8.6790% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 1,782 |
| Loan loss allowance to noncurrent loans | 578.2609% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 2,479 |
| Noncurrent loans to loans | 0.2243% | 2,425 |
| Net loans and leases to total assets | 69.5300% | 1,864 |
| Net loans and leases to deposits | 87.4125% | 1,490 |
| Net loans and leases to core deposits | 101.8594% | 1,337 |
| Total domestic deposits to total assets | 79.5400% | 3,529 |
| Equity capital to assets | 12.0627% | 1,106 |
| Core capital (leverage) ratio | 11.2701% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $425,976,800 | 1,934 |
| Average earning assets | $395,627,600 | 1,924 |
| Average equity | $52,242,200 | 1,548 |
| Average total loans | $298,318,000 | 1,797 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1121% | 109 |
| Cost of funding earning assets | 2.9595% | 121 |
| Net interest margin | 5.1526% | 267 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.6517% | 1,795 |
| Loan and lease loss provision to assets | 1.0200% | 61 |
| Net operating income to assets | 1.2741% | 1,598 |
| Return on assets (ROA) | 1.2741% | 1,591 |
| Pretax return on assets | 1.6029% | 1,350 |
| Return on Equity (ROE) | 10.3400% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.3429% | 1,310 |
| Net charge-offs to loans | 1.5800% | 51 |
| Credit loss provision to net charge-offs | 92.2059% | 1,681 |
| Earnings coverage of net charge-offs (x) | 2.3730% | 2,486 |
| Efficiency ratio | 49.7439% | 3,936 |
| Assets per employee ($millions) | 9.0297% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 1,724 |
| Loan loss allowance to noncurrent loans | 124.1677% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 827 |
| Noncurrent loans to loans | 1.0733% | 743 |
| Net loans and leases to total assets | 63.4200% | 2,514 |
| Net loans and leases to deposits | 78.2473% | 2,228 |
| Net loans and leases to core deposits | 88.0872% | 2,046 |
| Total domestic deposits to total assets | 81.0500% | 3,375 |
| Equity capital to assets | 11.0772% | 1,319 |
| Core capital (leverage) ratio | 11.9081% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $419,643,750 | 1,953 |
| Average earning assets | $390,371,500 | 1,947 |
| Average equity | $51,692,750 | 1,553 |
| Average total loans | $293,419,250 | 1,816 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1368% | 99 |
| Cost of funding earning assets | 2.7352% | 118 |
| Net interest margin | 5.4016% | 190 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.8016% | 1,410 |
| Loan and lease loss provision to assets | 0.9300% | 74 |
| Net operating income to assets | 1.5114% | 1,076 |
| Return on assets (ROA) | 1.5114% | 1,077 |
| Pretax return on assets | 1.9033% | 860 |
| Return on Equity (ROE) | 11.7800% | 2,223 |
| Retained earnings to average equity (ytd only) | 11.7833% | 1,029 |
| Net charge-offs to loans | 1.5491% | 55 |
| Credit loss provision to net charge-offs | 82.1702% | 1,545 |
| Earnings coverage of net charge-offs (x) | 2.5317% | 2,309 |
| Efficiency ratio | 49.1863% | 3,988 |
| Assets per employee ($millions) | 7.8698% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,656 |
| Loan loss allowance to noncurrent loans | 285.3064% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,534 |
| Noncurrent loans to loans | 0.4785% | 1,516 |
| Net loans and leases to total assets | 70.9600% | 1,638 |
| Net loans and leases to deposits | 90.5472% | 1,140 |
| Net loans and leases to core deposits | 103.7793% | 1,063 |
| Total domestic deposits to total assets | 78.3700% | 3,801 |
| Equity capital to assets | 12.4620% | 938 |
| Core capital (leverage) ratio | 12.6119% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $396,989,667 | 2,019 |
| Average earning assets | $369,113,000 | 2,015 |
| Average equity | $50,919,333 | 1,577 |
| Average total loans | $286,751,667 | 1,839 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8601% | 67 |
| Cost of funding earning assets | 2.4927% | 100 |
| Net interest margin | 5.3674% | 181 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 2.6154% | 1,909 |
| Loan and lease loss provision to assets | 0.7400% | 94 |
| Net operating income to assets | 1.3160% | 1,635 |
| Return on assets (ROA) | 1.3160% | 1,605 |
| Pretax return on assets | 1.6520% | 1,367 |
| Return on Equity (ROE) | 10.1100% | 2,753 |
| Retained earnings to average equity (ytd only) | 10.1053% | 1,670 |
| Net charge-offs to loans | 1.2853% | 62 |
| Credit loss provision to net charge-offs | 80.0000% | 1,214 |
| Earnings coverage of net charge-offs (x) | 2.5756% | 1,925 |
| Efficiency ratio | 51.5677% | 3,811 |
| Assets per employee ($millions) | 7.1725% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,222 |
| Loan loss allowance to noncurrent loans | 334.6005% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 1,565 |
| Noncurrent loans to loans | 0.4515% | 1,592 |
| Net loans and leases to total assets | 70.0100% | 1,626 |
| Net loans and leases to deposits | 84.4785% | 1,466 |
| Net loans and leases to core deposits | 104.3404% | 906 |
| Total domestic deposits to total assets | 82.8700% | 3,325 |
| Equity capital to assets | 12.5813% | 849 |
| Core capital (leverage) ratio | 13.2497% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $386,934,500 | 2,078 |
| Average earning assets | $360,097,000 | 2,067 |
| Average equity | $50,389,500 | 1,606 |
| Average total loans | $280,085,500 | 1,882 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1402% | 43 |
| Cost of funding earning assets | 1.0876% | 116 |
| Net interest margin | 6.0525% | 55 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 3.1939% | 730 |
| Loan and lease loss provision to assets | 0.8400% | 54 |
| Net operating income to assets | 1.4407% | 1,025 |
| Return on assets (ROA) | 1.4407% | 987 |
| Pretax return on assets | 1.8093% | 719 |
| Return on Equity (ROE) | 10.2700% | 2,727 |
| Retained earnings to average equity (ytd only) | 10.2659% | 1,076 |
| Net charge-offs to loans | 0.5522% | 130 |
| Credit loss provision to net charge-offs | 229.9607% | 1,041 |
| Earnings coverage of net charge-offs (x) | 7.2466% | 2,309 |
| Efficiency ratio | 53.9128% | 3,802 |
| Assets per employee ($millions) | 7.4442% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,096 |
| Loan loss allowance to noncurrent loans | 313.2791% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 1,666 |
| Noncurrent loans to loans | 0.4023% | 1,719 |
| Net loans and leases to total assets | 72.9900% | 1,314 |
| Net loans and leases to deposits | 89.0805% | 1,111 |
| Net loans and leases to core deposits | 113.8640% | 493 |
| Total domestic deposits to total assets | 81.9400% | 3,641 |
| Equity capital to assets | 13.4991% | 628 |
| Core capital (leverage) ratio | 14.6947% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $278,345,200 | 2,559 |
| Average earning assets | $256,338,800 | 2,568 |
| Average equity | $39,061,200 | 1,951 |
| Average total loans | $184,362,600 | 2,339 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8857% | 42 |
| Cost of funding earning assets | 0.7701% | 175 |
| Net interest margin | 6.1156% | 44 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 3.2935% | 601 |
| Loan and lease loss provision to assets | 0.7900% | 57 |
| Net operating income to assets | 1.3946% | 1,109 |
| Return on assets (ROA) | 1.3946% | 1,079 |
| Pretax return on assets | 1.7535% | 805 |
| Return on Equity (ROE) | 9.8000% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.8016% | 1,402 |
| Net charge-offs to loans | 0.4981% | 129 |
| Credit loss provision to net charge-offs | 249.3377% | 900 |
| Earnings coverage of net charge-offs (x) | 8.0430% | 2,053 |
| Efficiency ratio | 55.6392% | 3,657 |
| Assets per employee ($millions) | 6.3661% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,129 |
| Loan loss allowance to noncurrent loans | 218.5217% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 1,433 |
| Noncurrent loans to loans | 0.5857% | 1,372 |
| Net loans and leases to total assets | 63.6000% | 2,124 |
| Net loans and leases to deposits | 77.3538% | 1,770 |
| Net loans and leases to core deposits | 86.9417% | 1,472 |
| Total domestic deposits to total assets | 82.2100% | 3,808 |
| Equity capital to assets | 15.7162% | 393 |
| Core capital (leverage) ratio | 17.1045% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $254,879,250 | 2,718 |
| Average earning assets | $233,733,500 | 2,732 |
| Average equity | $36,265,250 | 2,097 |
| Average total loans | $161,667,500 | 2,535 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9158% | 40 |
| Cost of funding earning assets | 0.6566% | 202 |
| Net interest margin | 6.2592% | 43 |
| Noninterest income to average assets | 0.2654% | 3,586 |
| Noninterest expense to average assets | 3.3927% | 483 |
| Loan and lease loss provision to assets | 0.6411% | 77 |
| Net operating income to assets | 1.5509% | 618 |
| Return on assets (ROA) | 1.5509% | 602 |
| Pretax return on assets | 1.9469% | 426 |
| Return on Equity (ROE) | 11.4270% | 1,856 |
| Retained earnings to average equity (ytd only) | 11.4270% | 712 |
| Net charge-offs to loans | 0.4496% | 155 |
| Credit loss provision to net charge-offs | 226.3473% | 916 |
| Earnings coverage of net charge-offs (x) | 9.1377% | 1,799 |
| Efficiency ratio | 55.8769% | 3,788 |
| Assets per employee ($millions) | 5.8848% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,314 |
| Loan loss allowance to noncurrent loans | 519.1067% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 2,619 |
| Noncurrent loans to loans | 0.2453% | 2,505 |
| Net loans and leases to total assets | 62.6401% | 2,051 |
| Net loans and leases to deposits | 77.4325% | 1,581 |
| Net loans and leases to core deposits | 86.6893% | 1,286 |
| Total domestic deposits to total assets | 80.8964% | 4,141 |
| Equity capital to assets | 18.6838% | 204 |
| Core capital (leverage) ratio | 19.1322% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,859,000 | 2,852 |
| Average earning assets | $215,363,000 | 2,881 |
| Average equity | $32,012,000 | 2,312 |
| Average total loans | $148,572,667 | 2,660 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8569% | 41 |
| Cost of funding earning assets | 0.6699% | 181 |
| Net interest margin | 6.1870% | 44 |
| Noninterest income to average assets | 0.0767% | 4,586 |
| Noninterest expense to average assets | 3.3612% | 487 |
| Loan and lease loss provision to assets | 0.5849% | 78 |
| Net operating income to assets | 1.3784% | 839 |
| Return on assets (ROA) | 1.3784% | 833 |
| Pretax return on assets | 1.7296% | 644 |
| Return on Equity (ROE) | 12.9758% | 1,040 |
| Retained earnings to average equity (ytd only) | 12.9758% | 471 |
| Net charge-offs to loans | 0.3951% | 170 |
| Credit loss provision to net charge-offs | 235.9712% | 735 |
| Earnings coverage of net charge-offs (x) | 9.3381% | 1,491 |
| Efficiency ratio | 58.2784% | 3,650 |
| Assets per employee ($millions) | 6.1111% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,903 |
| Loan loss allowance to noncurrent loans | 787.7119% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 3,132 |
| Noncurrent loans to loans | 0.1512% | 3,048 |
| Net loans and leases to total assets | 63.0844% | 1,732 |
| Net loans and leases to deposits | 70.0319% | 1,962 |
| Net loans and leases to core deposits | 77.1543% | 1,689 |
| Total domestic deposits to total assets | 90.0795% | 1,516 |
| Equity capital to assets | 9.6292% | 2,188 |
| Core capital (leverage) ratio | 9.4697% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,323,500 | 2,929 |
| Average earning assets | $203,006,000 | 2,986 |
| Average equity | $23,829,000 | 2,848 |
| Average total loans | $140,716,000 | 2,745 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0106% | 41 |
| Cost of funding earning assets | 0.6692% | 372 |
| Net interest margin | 6.3414% | 43 |
| Noninterest income to average assets | 0.6244% | 2,053 |
| Noninterest expense to average assets | 3.6561% | 400 |
| Loan and lease loss provision to assets | 0.6818% | 69 |
| Net operating income to assets | 1.6062% | 788 |
| Return on assets (ROA) | 1.6213% | 797 |
| Pretax return on assets | 2.0412% | 561 |
| Return on Equity (ROE) | 14.4227% | 1,081 |
| Retained earnings to average equity (ytd only) | 14.4227% | 274 |
| Net charge-offs to loans | 0.6725% | 117 |
| Credit loss provision to net charge-offs | 167.9319% | 1,418 |
| Earnings coverage of net charge-offs (x) | 6.6597% | 2,386 |
| Efficiency ratio | 56.4840% | 3,643 |
| Assets per employee ($millions) | 5.6723% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,226 |
| Loan loss allowance to noncurrent loans | 474.4318% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,727 |
| Noncurrent loans to loans | 0.2808% | 2,598 |
| Net loans and leases to total assets | 60.5755% | 2,097 |
| Net loans and leases to deposits | 70.4915% | 2,078 |
| Net loans and leases to core deposits | 78.9775% | 1,678 |
| Total domestic deposits to total assets | 85.9331% | 2,937 |
| Equity capital to assets | 11.8118% | 1,340 |
| Core capital (leverage) ratio | 10.2732% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,177,600 | 3,142 |
| Average earning assets | $170,199,000 | 3,185 |
| Average equity | $21,154,200 | 3,125 |
| Average total loans | $113,605,200 | 3,016 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6505% | 51 |
| Cost of funding earning assets | 0.6619% | 469 |
| Net interest margin | 5.9886% | 55 |
| Noninterest income to average assets | 0.4199% | 2,981 |
| Noninterest expense to average assets | 3.8022% | 339 |
| Loan and lease loss provision to assets | 0.6391% | 76 |
| Net operating income to assets | 1.1157% | 2,497 |
| Return on assets (ROA) | 1.1366% | 2,477 |
| Pretax return on assets | 1.4283% | 2,217 |
| Return on Equity (ROE) | 10.2548% | 2,643 |
| Retained earnings to average equity (ytd only) | 10.2548% | 1,243 |
| Net charge-offs to loans | 0.4675% | 164 |
| Credit loss provision to net charge-offs | 227.5773% | 1,150 |
| Earnings coverage of net charge-offs (x) | 7.2680% | 2,145 |
| Efficiency ratio | 63.9495% | 2,393 |
| Assets per employee ($millions) | 5.3934% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 2,018 |
| Loan loss allowance to noncurrent loans | 303.1308% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 2,481 |
| Noncurrent loans to loans | 0.4616% | 2,177 |
| Net loans and leases to total assets | 55.1404% | 2,833 |
| Net loans and leases to deposits | 66.2872% | 2,603 |
| Net loans and leases to core deposits | 74.0464% | 2,240 |
| Total domestic deposits to total assets | 83.1841% | 3,659 |
| Equity capital to assets | 10.7505% | 2,214 |
| Core capital (leverage) ratio | 9.9756% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,171,250 | 3,213 |
| Average earning assets | $166,800,500 | 3,249 |
| Average equity | $20,412,750 | 3,214 |
| Average total loans | $110,664,750 | 3,107 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6391% | 57 |
| Cost of funding earning assets | 0.6664% | 528 |
| Net interest margin | 5.9726% | 61 |
| Noninterest income to average assets | 0.1664% | 4,368 |
| Noninterest expense to average assets | 3.6022% | 407 |
| Loan and lease loss provision to assets | 0.7102% | 59 |
| Net operating income to assets | 0.9992% | 2,883 |
| Return on assets (ROA) | 1.0316% | 2,860 |
| Pretax return on assets | 1.2995% | 2,629 |
| Return on Equity (ROE) | 9.1975% | 3,042 |
| Retained earnings to average equity (ytd only) | 9.1975% | 1,650 |
| Net charge-offs to loans | 0.2584% | 345 |
| Credit loss provision to net charge-offs | 445.0000% | 722 |
| Earnings coverage of net charge-offs (x) | 12.3357% | 1,726 |
| Efficiency ratio | 63.4336% | 2,506 |
| Assets per employee ($millions) | 5.2855% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,655 |
| Loan loss allowance to noncurrent loans | 573.3333% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 3,324 |
| Noncurrent loans to loans | 0.2192% | 3,166 |
| Net loans and leases to total assets | 62.2864% | 2,145 |
| Net loans and leases to deposits | 78.1894% | 1,600 |
| Net loans and leases to core deposits | 88.4786% | 1,237 |
| Total domestic deposits to total assets | 79.6609% | 4,276 |
| Equity capital to assets | 10.6178% | 2,291 |
| Core capital (leverage) ratio | 10.6207% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,447,333 | 3,286 |
| Average earning assets | $158,757,333 | 3,320 |
| Average equity | $19,679,333 | 3,275 |
| Average total loans | $108,343,000 | 3,147 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7356% | 55 |
| Cost of funding earning assets | 0.6933% | 564 |
| Net interest margin | 6.0424% | 63 |
| Noninterest income to average assets | 0.1574% | 4,413 |
| Noninterest expense to average assets | 3.5602% | 428 |
| Loan and lease loss provision to assets | 0.8320% | 57 |
| Net operating income to assets | 0.9595% | 2,933 |
| Return on assets (ROA) | 1.0068% | 2,877 |
| Pretax return on assets | 1.2692% | 2,657 |
| Return on Equity (ROE) | 8.6781% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.6781% | 2,042 |
| Net charge-offs to loans | 0.5251% | 156 |
| Credit loss provision to net charge-offs | 260.1563% | 800 |
| Earnings coverage of net charge-offs (x) | 6.3828% | 1,650 |
| Efficiency ratio | 62.2212% | 2,720 |
| Assets per employee ($millions) | 5.3435% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,967 |
| Loan loss allowance to noncurrent loans | 438.8350% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,339 |
| Noncurrent loans to loans | 0.2720% | 3,134 |
| Net loans and leases to total assets | 60.0218% | 2,543 |
| Net loans and leases to deposits | 77.1808% | 1,786 |
| Net loans and leases to core deposits | 88.5298% | 1,327 |
| Total domestic deposits to total assets | 77.7679% | 4,459 |
| Equity capital to assets | 9.9069% | 2,792 |
| Core capital (leverage) ratio | 10.2901% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,103,500 | 3,433 |
| Average earning assets | $144,247,500 | 3,470 |
| Average equity | $18,575,500 | 3,365 |
| Average total loans | $97,500,500 | 3,295 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6328% | 53 |
| Cost of funding earning assets | 0.9678% | 675 |
| Net interest margin | 5.6651% | 58 |
| Noninterest income to average assets | 0.3320% | 3,470 |
| Noninterest expense to average assets | 3.1748% | 1,101 |
| Loan and lease loss provision to assets | 0.9281% | 119 |
| Net operating income to assets | 0.9981% | 2,296 |
| Return on assets (ROA) | 1.2253% | 1,573 |
| Pretax return on assets | 1.5416% | 1,217 |
| Return on Equity (ROE) | 8.8695% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.8695% | 803 |
| Net charge-offs to loans | 0.7089% | 211 |
| Credit loss provision to net charge-offs | 237.7232% | 1,982 |
| Earnings coverage of net charge-offs (x) | 5.5893% | 2,850 |
| Efficiency ratio | 57.3125% | 3,815 |
| Assets per employee ($millions) | 4.2963% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,915 |
| Loan loss allowance to noncurrent loans | 587.2449% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 3,549 |
| Noncurrent loans to loans | 0.2408% | 3,331 |
| Net loans and leases to total assets | 60.2470% | 2,831 |
| Net loans and leases to deposits | 70.3891% | 2,834 |
| Net loans and leases to core deposits | 77.8319% | 2,564 |
| Total domestic deposits to total assets | 85.5915% | 2,534 |
| Equity capital to assets | 13.9828% | 805 |
| Core capital (leverage) ratio | 11.2537% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,747,400 | 3,811 |
| Average earning assets | $101,781,800 | 3,875 |
| Average equity | $15,852,000 | 3,571 |
| Average total loans | $63,194,200 | 3,860 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4078% | 69 |
| Cost of funding earning assets | 1.0262% | 699 |
| Net interest margin | 5.3816% | 86 |
| Noninterest income to average assets | 0.0956% | 4,774 |
| Noninterest expense to average assets | 3.0204% | 1,401 |
| Loan and lease loss provision to assets | 1.0351% | 125 |
| Net operating income to assets | 0.6535% | 3,616 |
| Return on assets (ROA) | 0.9721% | 2,577 |
| Pretax return on assets | 1.2190% | 2,332 |
| Return on Equity (ROE) | 7.0626% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.0626% | 1,662 |
| Net charge-offs to loans | 0.6002% | 237 |
| Credit loss provision to net charge-offs | 323.8636% | 1,688 |
| Earnings coverage of net charge-offs (x) | 5.8068% | 2,707 |
| Efficiency ratio | 59.7071% | 3,429 |
| Assets per employee ($millions) | 4.7138% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 1,806 |
| Loan loss allowance to noncurrent loans | 8,035.7143% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,447 |
| Noncurrent loans to loans | 0.0172% | 4,359 |
| Net loans and leases to total assets | 63.0453% | 2,882 |
| Net loans and leases to deposits | 72.5069% | 3,084 |
| Net loans and leases to core deposits | 83.7804% | 2,497 |
| Total domestic deposits to total assets | 86.9508% | 1,685 |
| Equity capital to assets | 12.5236% | 1,412 |
| Core capital (leverage) ratio | 10.2944% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,138,000 | 3,876 |
| Average earning assets | $97,836,750 | 3,916 |
| Average equity | $15,159,250 | 3,640 |
| Average total loans | $58,645,000 | 3,965 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5148% | 85 |
| Cost of funding earning assets | 1.1078% | 707 |
| Net interest margin | 5.4070% | 97 |
| Noninterest income to average assets | 0.1168% | 4,713 |
| Noninterest expense to average assets | 3.1084% | 1,336 |
| Loan and lease loss provision to assets | 1.1108% | 170 |
| Net operating income to assets | 0.5439% | 3,901 |
| Return on assets (ROA) | 0.9576% | 2,592 |
| Pretax return on assets | 1.2008% | 2,361 |
| Return on Equity (ROE) | 6.7117% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.7117% | 1,772 |
| Net charge-offs to loans | 0.8654% | 178 |
| Credit loss provision to net charge-offs | 262.4434% | 1,718 |
| Earnings coverage of net charge-offs (x) | 4.2398% | 2,611 |
| Efficiency ratio | 61.0547% | 3,269 |
| Assets per employee ($millions) | 4.4926% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 1,978 |
| Loan loss allowance to noncurrent loans | 5,953.3333% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,504 |
| Noncurrent loans to loans | 0.0219% | 4,400 |
| Net loans and leases to total assets | 60.1261% | 3,307 |
| Net loans and leases to deposits | 69.9568% | 3,425 |
| Net loans and leases to core deposits | 83.5623% | 2,648 |
| Total domestic deposits to total assets | 85.9474% | 2,033 |
| Equity capital to assets | 13.4703% | 990 |
| Core capital (leverage) ratio | 10.0258% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,426,667 | 3,933 |
| Average earning assets | $92,435,667 | 3,989 |
| Average equity | $14,899,333 | 3,667 |
| Average total loans | $51,072,000 | 4,117 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6277% | 74 |
| Cost of funding earning assets | 1.2438% | 666 |
| Net interest margin | 5.3839% | 106 |
| Noninterest income to average assets | 0.1672% | 4,532 |
| Noninterest expense to average assets | 3.2483% | 1,319 |
| Loan and lease loss provision to assets | 1.1146% | 181 |
| Net operating income to assets | 0.4618% | 3,990 |
| Return on assets (ROA) | 0.8439% | 2,826 |
| Pretax return on assets | 1.0549% | 2,653 |
| Return on Equity (ROE) | 5.7357% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.7357% | 1,981 |
| Net charge-offs to loans | 1.8775% | 76 |
| Credit loss provision to net charge-offs | 140.7035% | 1,621 |
| Earnings coverage of net charge-offs (x) | 2.1357% | 2,314 |
| Efficiency ratio | 63.3360% | 3,322 |
| Assets per employee ($millions) | 4.0773% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 1,871 |
| Loan loss allowance to noncurrent loans | 1,983.8710% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,469 |
| Noncurrent loans to loans | 0.0684% | 4,260 |
| Net loans and leases to total assets | 43.8322% | 4,513 |
| Net loans and leases to deposits | 51.6640% | 4,532 |
| Net loans and leases to core deposits | 63.3772% | 4,205 |
| Total domestic deposits to total assets | 84.8409% | 2,470 |
| Equity capital to assets | 14.6343% | 851 |
| Core capital (leverage) ratio | 11.1077% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,483,000 | 3,982 |
| Average earning assets | $89,081,000 | 4,036 |
| Average equity | $14,784,500 | 3,685 |
| Average total loans | $42,396,500 | 4,321 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3337% | 135 |
| Cost of funding earning assets | 1.1176% | 1,266 |
| Net interest margin | 5.2162% | 187 |
| Noninterest income to average assets | 0.0038% | 5,124 |
| Noninterest expense to average assets | 2.8148% | 2,555 |
| Loan and lease loss provision to assets | 1.0832% | 84 |
| Net operating income to assets | 0.6145% | 4,113 |
| Return on assets (ROA) | 0.8291% | 3,552 |
| Pretax return on assets | 1.0440% | 3,350 |
| Return on Equity (ROE) | 5.2100% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.2100% | 2,308 |
| Net charge-offs to loans | 1.6836% | 81 |
| Credit loss provision to net charge-offs | 171.7435% | 1,513 |
| Earnings coverage of net charge-offs (x) | 2.9419% | 3,367 |
| Efficiency ratio | 57.5643% | 4,024 |
| Assets per employee ($millions) | 4.1264% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.3451% | 4,757 |
| Net loans and leases to deposits | 46.4101% | 4,774 |
| Net loans and leases to core deposits | 51.8379% | 4,712 |
| Total domestic deposits to total assets | 84.7769% | 2,583 |
| Equity capital to assets | 14.7949% | 848 |
| Core capital (leverage) ratio | 12.3375% | 1,573 |
| Tier 1 risk-based capital ratio | 20.6780% | 1,224 |
| Total risk-based capital ratio | 21.7554% | 1,220 |
| Memoranda: | ||
| Average total assets | $79,118,200 | 4,302 |
| Average earning assets | $70,779,800 | 4,332 |
| Average equity | $12,591,200 | 3,924 |
| Average total loans | $29,638,200 | 4,649 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0826% | 209 |
| Cost of funding earning assets | 1.0735% | 1,455 |
| Net interest margin | 5.0091% | 287 |
| Noninterest income to average assets | -0.0090% | 5,222 |
| Noninterest expense to average assets | 2.6238% | 3,091 |
| Loan and lease loss provision to assets | 0.9352% | 102 |
| Net operating income to assets | 0.7193% | 3,952 |
| Return on assets (ROA) | 0.8884% | 3,465 |
| Pretax return on assets | 1.1186% | 3,245 |
| Return on Equity (ROE) | 5.4542% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.4542% | 2,644 |
| Net charge-offs to loans | 1.6192% | 78 |
| Credit loss provision to net charge-offs | 157.5758% | 1,573 |
| Earnings coverage of net charge-offs (x) | 3.1000% | 3,136 |
| Efficiency ratio | 55.9629% | 4,170 |
| Assets per employee ($millions) | 3.4726% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 2,946 |
| Loan loss allowance to noncurrent loans | 3,327.2727% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,692 |
| Noncurrent loans to loans | 0.0335% | 4,514 |
| Net loans and leases to total assets | 38.9103% | 4,852 |
| Net loans and leases to deposits | 47.6316% | 4,831 |
| Net loans and leases to core deposits | 54.6661% | 4,725 |
| Total domestic deposits to total assets | 81.6901% | 3,562 |
| Equity capital to assets | 17.4808% | 442 |
| Core capital (leverage) ratio | 13.0001% | 1,343 |
| Tier 1 risk-based capital ratio | 23.6863% | 875 |
| Total risk-based capital ratio | 24.5483% | 894 |
| Memoranda: | ||
| Average total assets | $74,139,250 | 4,423 |
| Average earning assets | $66,197,750 | 4,455 |
| Average equity | $12,076,000 | 4,024 |
| Average total loans | $27,173,000 | 4,769 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 937 |
| Cost of funding earning assets | 0.9325% | 1,994 |
| Net interest margin | 4.2910% | 1,165 |
| Noninterest income to average assets | 0.0338% | 5,198 |
| Noninterest expense to average assets | 2.3188% | 3,957 |
| Loan and lease loss provision to assets | 0.6894% | 154 |
| Net operating income to assets | 0.6829% | 4,058 |
| Return on assets (ROA) | 0.7851% | 3,766 |
| Pretax return on assets | 0.9877% | 3,590 |
| Return on Equity (ROE) | 4.9622% | 4,351 |
| Retained earnings to average equity (ytd only) | 4.9622% | 2,784 |
| Net charge-offs to loans | 1.7392% | 65 |
| Credit loss provision to net charge-offs | 111.3636% | 1,834 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,935 |
| Efficiency ratio | 59.9709% | 3,732 |
| Assets per employee ($millions) | 3.8139% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,596 |
| Loan loss allowance to noncurrent loans | 257.6923% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,268 |
| Noncurrent loans to loans | 0.2916% | 3,488 |
| Net loans and leases to total assets | 33.1473% | 5,046 |
| Net loans and leases to deposits | 40.8808% | 5,035 |
| Net loans and leases to core deposits | 47.6556% | 4,918 |
| Total domestic deposits to total assets | 81.0828% | 3,781 |
| Equity capital to assets | 18.0757% | 372 |
| Core capital (leverage) ratio | 12.9757% | 1,304 |
| Tier 1 risk-based capital ratio | 25.0945% | 747 |
| Total risk-based capital ratio | 25.6150% | 799 |
| Memoranda: | ||
| Average total assets | $71,071,330 | 4,499 |
| Average earning assets | $63,482,330 | 4,536 |
| Average equity | $11,245,000 | 4,139 |
| Average total loans | $25,299,000 | 4,847 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6138% | 5,330 |
| Cost of funding earning assets | 0.4679% | 4,213 |
| Net interest margin | 2.1459% | 5,291 |
| Noninterest income to average assets | 0.0601% | 5,182 |
| Noninterest expense to average assets | 1.1899% | 5,283 |
| Loan and lease loss provision to assets | 0.3606% | 325 |
| Net operating income to assets | 0.3485% | 4,839 |
| Return on assets (ROA) | 0.3485% | 4,845 |
| Pretax return on assets | 0.4387% | 4,791 |
| Return on Equity (ROE) | 2.4094% | 4,909 |
| Retained earnings to average equity (ytd only) | 2.4094% | 3,952 |
| Net charge-offs to loans | 2.8485% | 35 |
| Credit loss provision to net charge-offs | 34.2857% | 2,066 |
| Earnings coverage of net charge-offs (x) | 0.7600% | 2,645 |
| Efficiency ratio | 59.8187% | 3,833 |
| Assets per employee ($millions) | 4.1256% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2518% | 5,266 |
| Loan loss allowance to noncurrent loans | 174.2857% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,609 |
| Noncurrent loans to loans | 0.1445% | 4,091 |
| Net loans and leases to total assets | 30.8231% | 5,135 |
| Net loans and leases to deposits | 37.8497% | 5,116 |
| Net loans and leases to core deposits | 43.2296% | 5,055 |
| Total domestic deposits to total assets | 81.4355% | 3,870 |
| Equity capital to assets | 17.8935% | 356 |
| Core capital (leverage) ratio | 15.5896% | 584 |
| Tier 1 risk-based capital ratio | 26.4932% | 654 |
| Total risk-based capital ratio | 26.6617% | 710 |
| Memoranda: | ||
| Average total assets | $66,561,500 | 4,628 |
| Average earning assets | $59,835,500 | 4,653 |
| Average equity | $9,629,000 | 4,383 |
| Average total loans | $24,574,000 | 4,919 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5108% | 52 |
| Cost of funding earning assets | 0.9476% | 930 |
| Net interest margin | 6.5632% | 46 |
| Noninterest income to average assets | 0.2448% | 4,454 |
| Noninterest expense to average assets | 4.1654% | 423 |
| Loan and lease loss provision to assets | 1.0531% | 82 |
| Net operating income to assets | 0.8766% | 3,514 |
| Return on assets (ROA) | 0.8766% | 3,506 |
| Pretax return on assets | 1.0981% | 3,275 |
| Return on Equity (ROE) | 9.4935% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.6201% | 2,984 |
| Net charge-offs to loans | 2.8297% | 36 |
| Credit loss provision to net charge-offs | 84.5376% | 2,792 |
| Earnings coverage of net charge-offs (x) | 1.7269% | 3,600 |
| Efficiency ratio | 65.9447% | 2,883 |
| Assets per employee ($millions) | 2.8809% | 5,057 |
| Cash dividends to net income (ytd only)* | 51.3347% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5906% | 76 |
| Loan loss allowance to noncurrent loans | 4,068.1818% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,646 |
| Noncurrent loans to loans | 0.0883% | 4,354 |
| Net loans and leases to total assets | 43.9027% | 4,821 |
| Net loans and leases to deposits | 50.1565% | 4,879 |
| Net loans and leases to core deposits | 60.9506% | 4,590 |
| Total domestic deposits to total assets | 87.5313% | 1,520 |
| Equity capital to assets | 9.5584% | 4,079 |
| Core capital (leverage) ratio | 10.4102% | 3,131 |
| Tier 1 risk-based capital ratio | 18.6728% | 1,578 |
| Total risk-based capital ratio | 19.9424% | 1,533 |
| Memoranda: | ||
| Average total assets | $55,552,400 | 4,844 |
| Average earning assets | $51,392,600 | 4,830 |
| Average equity | $5,129,800 | 5,033 |
| Average total loans | $24,455,200 | 4,958 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4586% | 52 |
| Cost of funding earning assets | 0.9146% | 866 |
| Net interest margin | 6.5440% | 47 |
| Noninterest income to average assets | 0.2439% | 4,517 |
| Noninterest expense to average assets | 4.1919% | 401 |
| Loan and lease loss provision to assets | 1.1478% | 69 |
| Net operating income to assets | 0.7700% | 4,012 |
| Return on assets (ROA) | 0.7700% | 4,021 |
| Pretax return on assets | 0.9613% | 3,846 |
| Return on Equity (ROE) | 8.4110% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.1051% | 2,077 |
| Net charge-offs to loans | 2.7173% | 36 |
| Credit loss provision to net charge-offs | 96.7742% | 2,338 |
| Earnings coverage of net charge-offs (x) | 1.7782% | 3,315 |
| Efficiency ratio | 66.5275% | 2,781 |
| Assets per employee ($millions) | 2.9014% | 5,105 |
| Cash dividends to net income (ytd only)* | 15.5292% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9879% | 62 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 43.0624% | 4,915 |
| Net loans and leases to deposits | 47.7771% | 5,016 |
| Net loans and leases to core deposits | 58.3110% | 4,767 |
| Total domestic deposits to total assets | 90.1319% | 467 |
| Equity capital to assets | 9.2514% | 4,318 |
| Core capital (leverage) ratio | 10.4440% | 3,136 |
| Tier 1 risk-based capital ratio | 18.9698% | 1,541 |
| Total risk-based capital ratio | 20.2454% | 1,507 |
| Memoranda: | ||
| Average total assets | $55,756,250 | 4,893 |
| Average earning assets | $51,608,250 | 4,880 |
| Average equity | $5,104,250 | 5,099 |
| Average total loans | $24,337,500 | 5,016 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3916% | 52 |
| Cost of funding earning assets | 0.8689% | 832 |
| Net interest margin | 6.5227% | 46 |
| Noninterest income to average assets | 0.2502% | 4,513 |
| Noninterest expense to average assets | 4.2597% | 381 |
| Loan and lease loss provision to assets | 1.2150% | 59 |
| Net operating income to assets | 0.6504% | 4,344 |
| Return on assets (ROA) | 0.6504% | 4,354 |
| Pretax return on assets | 0.8112% | 4,211 |
| Return on Equity (ROE) | 7.1293% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.1707% | 2,988 |
| Net charge-offs to loans | 2.9329% | 33 |
| Credit loss provision to net charge-offs | 95.7746% | 2,109 |
| Earnings coverage of net charge-offs (x) | 1.5972% | 3,046 |
| Efficiency ratio | 67.7658% | 2,686 |
| Assets per employee ($millions) | 2.6375% | 5,292 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0632% | 57 |
| Loan loss allowance to noncurrent loans | 1,134.4828% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 4,208 |
| Noncurrent loans to loans | 0.3582% | 3,415 |
| Net loans and leases to total assets | 42.0749% | 4,981 |
| Net loans and leases to deposits | 46.5745% | 5,074 |
| Net loans and leases to core deposits | 58.2731% | 4,783 |
| Total domestic deposits to total assets | 90.3389% | 455 |
| Equity capital to assets | 9.0364% | 4,530 |
| Core capital (leverage) ratio | 9.8671% | 3,715 |
| Tier 1 risk-based capital ratio | 18.8891% | 1,580 |
| Total risk-based capital ratio | 20.1648% | 1,530 |
| Memoranda: | ||
| Average total assets | $55,966,000 | 4,941 |
| Average earning assets | $51,788,670 | 4,936 |
| Average equity | $5,105,670 | 5,151 |
| Average total loans | $24,208,330 | 5,082 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3618% | 46 |
| Cost of funding earning assets | 0.7915% | 983 |
| Net interest margin | 6.5703% | 43 |
| Noninterest income to average assets | 0.2844% | 4,274 |
| Noninterest expense to average assets | 4.2520% | 378 |
| Loan and lease loss provision to assets | 0.8888% | 99 |
| Net operating income to assets | 0.9741% | 2,969 |
| Return on assets (ROA) | 0.9741% | 2,997 |
| Pretax return on assets | 1.2230% | 2,670 |
| Return on Equity (ROE) | 10.6284% | 2,117 |
| Retained earnings to average equity (ytd only) | 6.7494% | 2,386 |
| Net charge-offs to loans | 1.7545% | 75 |
| Credit loss provision to net charge-offs | 117.9245% | 1,395 |
| Earnings coverage of net charge-offs (x) | 2.8019% | 2,434 |
| Efficiency ratio | 66.8156% | 3,030 |
| Assets per employee ($millions) | 2.7660% | 5,302 |
| Cash dividends to net income (ytd only)* | 36.4964% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2020% | 54 |
| Loan loss allowance to noncurrent loans | 443.9130% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,247 |
| Noncurrent loans to loans | 0.9466% | 1,929 |
| Net loans and leases to total assets | 40.0733% | 5,070 |
| Net loans and leases to deposits | 44.2008% | 5,154 |
| Net loans and leases to core deposits | 54.6011% | 4,896 |
| Total domestic deposits to total assets | 90.6621% | 423 |
| Equity capital to assets | 8.7284% | 4,803 |
| Core capital (leverage) ratio | 10.1498% | 3,359 |
| Tier 1 risk-based capital ratio | 18.7578% | 1,615 |
| Total risk-based capital ratio | 20.0336% | 1,570 |
| Memoranda: | ||
| Average total assets | $56,255,500 | 4,997 |
| Average earning assets | $52,052,500 | 4,990 |
| Average equity | $5,156,000 | 5,192 |
| Average total loans | $24,167,000 | 5,138 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8735% | 41 |
| Cost of funding earning assets | 0.6697% | 1,184 |
| Net interest margin | 7.2038% | 35 |
| Noninterest income to average assets | 0.1859% | 5,031 |
| Noninterest expense to average assets | 3.9307% | 591 |
| Loan and lease loss provision to assets | 1.8414% | 40 |
| Net operating income to assets | 0.5914% | 4,046 |
| Return on assets (ROA) | 0.5914% | 4,087 |
| Pretax return on assets | 1.0606% | 3,341 |
| Return on Equity (ROE) | 6.3000% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.9422% | 2,834 |
| Net charge-offs to loans | 3.8063% | 28 |
| Credit loss provision to net charge-offs | 108.7866% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1.7144% | 3,860 |
| Efficiency ratio | 57.5279% | 4,584 |
| Assets per employee ($millions) | 2.5917% | 5,418 |
| Cash dividends to net income (ytd only)* | 37.4251% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1687% | 53 |
| Loan loss allowance to noncurrent loans | 742.2222% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,898 |
| Noncurrent loans to loans | 0.5617% | 2,810 |
| Net loans and leases to total assets | 42.3225% | 5,055 |
| Net loans and leases to deposits | 47.1216% | 5,157 |
| Net loans and leases to core deposits | 52.7577% | 5,051 |
| Total domestic deposits to total assets | 89.8153% | 637 |
| Equity capital to assets | 9.6316% | 4,110 |
| Core capital (leverage) ratio | 9.9182% | 3,560 |
| Tier 1 risk-based capital ratio | 18.2422% | 1,728 |
| Total risk-based capital ratio | 19.5182% | 1,671 |
| Memoranda: | ||
| Average total assets | $56,479,200 | 5,036 |
| Average earning assets | $52,111,400 | 5,028 |
| Average equity | $5,301,600 | 5,220 |
| Average total loans | $25,116,200 | 5,154 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9152% | 40 |
| Cost of funding earning assets | 0.6514% | 1,230 |
| Net interest margin | 7.2638% | 34 |
| Noninterest income to average assets | 0.1755% | 5,136 |
| Noninterest expense to average assets | 3.8507% | 633 |
| Loan and lease loss provision to assets | 1.8481% | 44 |
| Net operating income to assets | 0.8048% | 3,504 |
| Return on assets (ROA) | 0.8048% | 3,549 |
| Pretax return on assets | 1.1814% | 2,979 |
| Return on Equity (ROE) | 8.6271% | 2,802 |
| Retained earnings to average equity (ytd only) | 6.7462% | 1,824 |
| Net charge-offs to loans | 3.6817% | 32 |
| Credit loss provision to net charge-offs | 112.6961% | 2,105 |
| Earnings coverage of net charge-offs (x) | 1.8474% | 3,539 |
| Efficiency ratio | 55.9674% | 4,742 |
| Assets per employee ($millions) | 2.8452% | 5,361 |
| Cash dividends to net income (ytd only)* | 21.8026% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1784% | 59 |
| Loan loss allowance to noncurrent loans | 637.3418% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 3,957 |
| Noncurrent loans to loans | 0.6556% | 2,738 |
| Net loans and leases to total assets | 40.5824% | 5,172 |
| Net loans and leases to deposits | 45.2973% | 5,279 |
| Net loans and leases to core deposits | 50.4544% | 5,186 |
| Total domestic deposits to total assets | 89.5912% | 624 |
| Equity capital to assets | 9.7410% | 4,208 |
| Core capital (leverage) ratio | 9.9713% | 3,602 |
| Tier 1 risk-based capital ratio | 18.6861% | 1,681 |
| Total risk-based capital ratio | 19.9612% | 1,622 |
| Memoranda: | ||
| Average total assets | $56,992,750 | 5,080 |
| Average earning assets | $52,606,500 | 5,076 |
| Average equity | $5,316,500 | 5,278 |
| Average total loans | $25,386,250 | 5,202 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0489% | 39 |
| Cost of funding earning assets | 0.6435% | 1,185 |
| Net interest margin | 7.4055% | 35 |
| Noninterest income to average assets | 0.1684% | 5,212 |
| Noninterest expense to average assets | 3.8687% | 620 |
| Loan and lease loss provision to assets | 1.8940% | 48 |
| Net operating income to assets | 0.8348% | 3,223 |
| Return on assets (ROA) | 0.8348% | 3,276 |
| Pretax return on assets | 1.2276% | 2,666 |
| Return on Equity (ROE) | 9.0822% | 2,469 |
| Retained earnings to average equity (ytd only) | 6.2202% | 2,005 |
| Net charge-offs to loans | 3.6181% | 33 |
| Credit loss provision to net charge-offs | 115.6317% | 1,827 |
| Earnings coverage of net charge-offs (x) | 1.9058% | 3,235 |
| Efficiency ratio | 55.3437% | 4,890 |
| Assets per employee ($millions) | 2.7501% | 5,448 |
| Cash dividends to net income (ytd only)* | 31.5126% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9465% | 68 |
| Loan loss allowance to noncurrent loans | 535.6757% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 3,843 |
| Noncurrent loans to loans | 0.7367% | 2,552 |
| Net loans and leases to total assets | 41.7648% | 5,152 |
| Net loans and leases to deposits | 46.4597% | 5,270 |
| Net loans and leases to core deposits | 51.8978% | 5,151 |
| Total domestic deposits to total assets | 89.8947% | 569 |
| Equity capital to assets | 9.4438% | 4,463 |
| Core capital (leverage) ratio | 9.6565% | 3,956 |
| Tier 1 risk-based capital ratio | 17.6854% | 1,954 |
| Total risk-based capital ratio | 18.9553% | 1,906 |
| Memoranda: | ||
| Average total assets | $57,022,330 | 5,118 |
| Average earning assets | $52,528,670 | 5,111 |
| Average equity | $5,241,000 | 5,325 |
| Average total loans | $25,815,000 | 5,221 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2109% | 36 |
| Cost of funding earning assets | 0.6363% | 1,152 |
| Net interest margin | 7.5746% | 34 |
| Noninterest income to average assets | 0.1694% | 5,259 |
| Noninterest expense to average assets | 3.9606% | 564 |
| Loan and lease loss provision to assets | 1.8003% | 40 |
| Net operating income to assets | 0.9390% | 2,564 |
| Return on assets (ROA) | 0.9390% | 2,625 |
| Pretax return on assets | 1.3838% | 1,939 |
| Return on Equity (ROE) | 10.3613% | 1,796 |
| Retained earnings to average equity (ytd only) | 4.5185% | 3,161 |
| Net charge-offs to loans | 2.9656% | 52 |
| Credit loss provision to net charge-offs | 131.4433% | 1,306 |
| Earnings coverage of net charge-offs (x) | 2.3247% | 2,608 |
| Efficiency ratio | 55.4348% | 4,999 |
| Assets per employee ($millions) | 2.7947% | 5,491 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8177% | 90 |
| Loan loss allowance to noncurrent loans | 689.4366% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 4,255 |
| Noncurrent loans to loans | 0.5537% | 3,149 |
| Net loans and leases to total assets | 42.0273% | 5,161 |
| Net loans and leases to deposits | 46.4317% | 5,285 |
| Net loans and leases to core deposits | 52.3629% | 5,129 |
| Total domestic deposits to total assets | 90.5142% | 472 |
| Equity capital to assets | 8.8536% | 4,953 |
| Core capital (leverage) ratio | 9.5296% | 4,085 |
| Tier 1 risk-based capital ratio | 17.3103% | 2,092 |
| Total risk-based capital ratio | 18.5829% | 2,031 |
| Memoranda: | ||
| Average total assets | $56,657,500 | 5,177 |
| Average earning assets | $52,174,500 | 5,172 |
| Average equity | $5,134,500 | 5,393 |
| Average total loans | $26,167,000 | 5,267 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7272% | 31 |
| Cost of funding earning assets | 0.6928% | 841 |
| Net interest margin | 8.0343% | 29 |
| Noninterest income to average assets | 0.1859% | 5,284 |
| Noninterest expense to average assets | 3.7945% | 779 |
| Loan and lease loss provision to assets | 1.9874% | 42 |
| Net operating income to assets | 1.1962% | 1,528 |
| Return on assets (ROA) | 1.2035% | 1,584 |
| Pretax return on assets | 1.8200% | 760 |
| Return on Equity (ROE) | 12.3564% | 1,157 |
| Retained earnings to average equity (ytd only) | 4.7990% | 2,474 |
| Net charge-offs to loans | 3.9532% | 25 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 1.9102% | 3,919 |
| Efficiency ratio | 49.9879% | 5,486 |
| Assets per employee ($millions) | 2.6013% | 5,618 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4395% | 118 |
| Loan loss allowance to noncurrent loans | 483.1579% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,891 |
| Noncurrent loans to loans | 0.7119% | 2,757 |
| Net loans and leases to total assets | 47.1781% | 4,946 |
| Net loans and leases to deposits | 52.3311% | 5,102 |
| Net loans and leases to core deposits | 59.5995% | 4,879 |
| Total domestic deposits to total assets | 90.1532% | 580 |
| Equity capital to assets | 9.2866% | 4,487 |
| Core capital (leverage) ratio | 9.7275% | 3,824 |
| Tier 1 risk-based capital ratio | 16.6144% | 2,301 |
| Total risk-based capital ratio | 17.8850% | 2,238 |
| Memoranda: | ||
| Average total assets | $54,342,000 | 5,261 |
| Average earning assets | $50,085,000 | 5,249 |
| Average equity | $5,292,800 | 5,412 |
| Average total loans | $27,319,600 | 5,290 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7975% | 30 |
| Cost of funding earning assets | 0.6921% | 850 |
| Net interest margin | 8.1054% | 28 |
| Noninterest income to average assets | 0.1793% | 5,383 |
| Noninterest expense to average assets | 3.7416% | 799 |
| Loan and lease loss provision to assets | 2.1497% | 33 |
| Net operating income to assets | 1.1671% | 1,739 |
| Return on assets (ROA) | 1.1768% | 1,820 |
| Pretax return on assets | 1.7836% | 923 |
| Return on Equity (ROE) | 11.9424% | 1,344 |
| Retained earnings to average equity (ytd only) | 8.2027% | 1,089 |
| Net charge-offs to loans | 3.7800% | 25 |
| Credit loss provision to net charge-offs | 112.3235% | 2,197 |
| Earnings coverage of net charge-offs (x) | 2.0475% | 3,623 |
| Efficiency ratio | 48.8454% | 5,563 |
| Assets per employee ($millions) | 2.6652% | 5,628 |
| Cash dividends to net income (ytd only)* | 31.3161% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7225% | 93 |
| Loan loss allowance to noncurrent loans | 994.1176% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 4,712 |
| Noncurrent loans to loans | 0.3744% | 3,923 |
| Net loans and leases to total assets | 46.8572% | 5,033 |
| Net loans and leases to deposits | 52.3295% | 5,189 |
| Net loans and leases to core deposits | 59.3335% | 4,975 |
| Total domestic deposits to total assets | 89.5426% | 655 |
| Equity capital to assets | 9.9196% | 4,218 |
| Core capital (leverage) ratio | 9.9648% | 3,616 |
| Tier 1 risk-based capital ratio | 17.5870% | 2,049 |
| Total risk-based capital ratio | 18.8635% | 2,001 |
| Memoranda: | ||
| Average total assets | $54,270,750 | 5,308 |
| Average earning assets | $50,088,750 | 5,294 |
| Average equity | $5,347,750 | 5,462 |
| Average total loans | $27,477,000 | 5,335 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0628% | 26 |
| Cost of funding earning assets | 0.6819% | 880 |
| Net interest margin | 8.3809% | 25 |
| Noninterest income to average assets | 0.1862% | 5,382 |
| Noninterest expense to average assets | 3.7837% | 790 |
| Loan and lease loss provision to assets | 2.1786% | 37 |
| Net operating income to assets | 1.2949% | 1,279 |
| Return on assets (ROA) | 1.3072% | 1,355 |
| Pretax return on assets | 1.9775% | 597 |
| Return on Equity (ROE) | 13.2963% | 959 |
| Retained earnings to average equity (ytd only) | 9.5082% | 714 |
| Net charge-offs to loans | 3.3387% | 39 |
| Credit loss provision to net charge-offs | 127.1739% | 1,787 |
| Earnings coverage of net charge-offs (x) | 2.4152% | 3,275 |
| Efficiency ratio | 47.7668% | 5,679 |
| Assets per employee ($millions) | 2.4924% | 5,790 |
| Cash dividends to net income (ytd only)* | 28.4900% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8742% | 89 |
| Loan loss allowance to noncurrent loans | 814.8438% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 4,557 |
| Noncurrent loans to loans | 0.4754% | 3,655 |
| Net loans and leases to total assets | 47.1960% | 5,054 |
| Net loans and leases to deposits | 52.9158% | 5,206 |
| Net loans and leases to core deposits | 61.6152% | 4,905 |
| Total domestic deposits to total assets | 89.1908% | 817 |
| Equity capital to assets | 10.0542% | 4,157 |
| Core capital (leverage) ratio | 9.9791% | 3,585 |
| Tier 1 risk-based capital ratio | 17.3536% | 2,116 |
| Total risk-based capital ratio | 18.6308% | 2,070 |
| Memoranda: | ||
| Average total assets | $53,704,330 | 5,382 |
| Average earning assets | $49,565,000 | 5,361 |
| Average equity | $5,279,670 | 5,532 |
| Average total loans | $27,556,000 | 5,388 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5301% | 27 |
| Cost of funding earning assets | 0.6772% | 903 |
| Net interest margin | 8.8529% | 26 |
| Noninterest income to average assets | 0.1807% | 5,417 |
| Noninterest expense to average assets | 3.7636% | 824 |
| Loan and lease loss provision to assets | 2.6346% | 28 |
| Net operating income to assets | 1.2972% | 1,264 |
| Return on assets (ROA) | 1.3022% | 1,333 |
| Pretax return on assets | 1.9571% | 617 |
| Return on Equity (ROE) | 13.4031% | 942 |
| Retained earnings to average equity (ytd only) | 5.6556% | 2,554 |
| Net charge-offs to loans | 3.8173% | 24 |
| Credit loss provision to net charge-offs | 131.5789% | 1,357 |
| Earnings coverage of net charge-offs (x) | 2.2895% | 2,710 |
| Efficiency ratio | 45.0857% | 5,842 |
| Assets per employee ($millions) | 2.4245% | 5,885 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6102% | 118 |
| Loan loss allowance to noncurrent loans | 2,505.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 5,281 |
| Noncurrent loans to loans | 0.1441% | 4,900 |
| Net loans and leases to total assets | 50.1556% | 4,792 |
| Net loans and leases to deposits | 56.0507% | 4,981 |
| Net loans and leases to core deposits | 66.1368% | 4,527 |
| Total domestic deposits to total assets | 89.4826% | 848 |
| Equity capital to assets | 9.8481% | 4,273 |
| Core capital (leverage) ratio | 10.0211% | 3,515 |
| Tier 1 risk-based capital ratio | 15.9064% | 2,728 |
| Total risk-based capital ratio | 17.1790% | 2,656 |
| Memoranda: | ||
| Average total assets | $53,140,000 | 5,446 |
| Average earning assets | $49,023,500 | 5,426 |
| Average equity | $5,163,000 | 5,595 |
| Average total loans | $27,873,000 | 5,419 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0161% | 39 |
| Cost of funding earning assets | 0.7213% | 731 |
| Net interest margin | 7.2948% | 40 |
| Noninterest income to average assets | 0.1415% | 5,704 |
| Noninterest expense to average assets | 3.2416% | 1,858 |
| Loan and lease loss provision to assets | 1.9965% | 31 |
| Net operating income to assets | 1.1294% | 1,809 |
| Return on assets (ROA) | 1.1305% | 1,864 |
| Pretax return on assets | 1.7034% | 988 |
| Return on Equity (ROE) | 13.9990% | 840 |
| Retained earnings to average equity (ytd only) | 11.9127% | 258 |
| Net charge-offs to loans | 3.2730% | 27 |
| Credit loss provision to net charge-offs | 137.6307% | 1,903 |
| Earnings coverage of net charge-offs (x) | 2.5494% | 3,878 |
| Efficiency ratio | 46.7104% | 5,890 |
| Assets per employee ($millions) | 2.6470% | 5,814 |
| Cash dividends to net income (ytd only)* | 14.9031% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2796% | 162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.1390% | 4,761 |
| Net loans and leases to deposits | 56.9706% | 4,982 |
| Net loans and leases to core deposits | 66.6216% | 4,539 |
| Total domestic deposits to total assets | 89.7639% | 729 |
| Equity capital to assets | 9.5825% | 4,459 |
| Core capital (leverage) ratio | 9.4794% | 4,208 |
| Tier 1 risk-based capital ratio | 15.2296% | 3,065 |
| Total risk-based capital ratio | 16.4970% | 2,994 |
| Memoranda: | ||
| Average total assets | $59,352,800 | 5,334 |
| Average earning assets | $55,313,400 | 5,314 |
| Average equity | $4,793,200 | 5,699 |
| Average total loans | $26,306,400 | 5,510 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5790% | 46 |
| Cost of funding earning assets | 0.7282% | 719 |
| Net interest margin | 6.8508% | 47 |
| Noninterest income to average assets | 0.1334% | 5,818 |
| Noninterest expense to average assets | 3.0907% | 2,246 |
| Loan and lease loss provision to assets | 1.8264% | 24 |
| Net operating income to assets | 1.0696% | 2,132 |
| Return on assets (ROA) | 1.0740% | 2,209 |
| Pretax return on assets | 1.6230% | 1,323 |
| Return on Equity (ROE) | 13.8602% | 935 |
| Retained earnings to average equity (ytd only) | 13.8602% | 217 |
| Net charge-offs to loans | 2.9514% | 35 |
| Credit loss provision to net charge-offs | 145.7243% | 1,721 |
| Earnings coverage of net charge-offs (x) | 2.7469% | 3,607 |
| Efficiency ratio | 47.3050% | 5,908 |
| Assets per employee ($millions) | 2.7644% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0020% | 242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.6435% | 5,109 |
| Net loans and leases to deposits | 52.4551% | 5,345 |
| Net loans and leases to core deposits | 63.0712% | 4,864 |
| Total domestic deposits to total assets | 90.8272% | 296 |
| Equity capital to assets | 8.6147% | 5,635 |
| Core capital (leverage) ratio | 8.6360% | 5,426 |
| Tier 1 risk-based capital ratio | 14.9330% | 3,330 |
| Total risk-based capital ratio | 16.1979% | 3,268 |
| Memoranda: | ||
| Average total assets | $60,956,000 | 5,367 |
| Average earning assets | $56,945,750 | 5,337 |
| Average equity | $4,723,250 | 5,793 |
| Average total loans | $25,885,250 | 5,586 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2418% | 53 |
| Cost of funding earning assets | 0.7235% | 747 |
| Net interest margin | 6.5184% | 57 |
| Noninterest income to average assets | 0.1389% | 5,868 |
| Noninterest expense to average assets | 3.0166% | 2,501 |
| Loan and lease loss provision to assets | 1.7925% | 30 |
| Net operating income to assets | 0.9367% | 2,706 |
| Return on assets (ROA) | 0.9431% | 2,792 |
| Pretax return on assets | 1.4211% | 1,893 |
| Return on Equity (ROE) | 12.6116% | 1,197 |
| Retained earnings to average equity (ytd only) | 12.6116% | 342 |
| Net charge-offs to loans | 2.7110% | 45 |
| Credit loss provision to net charge-offs | 163.7168% | 1,443 |
| Earnings coverage of net charge-offs (x) | 2.9263% | 3,271 |
| Efficiency ratio | 48.4943% | 5,933 |
| Assets per employee ($millions) | 3.0894% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0685% | 252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 41.4116% | 5,540 |
| Net loans and leases to deposits | 45.1055% | 5,721 |
| Net loans and leases to core deposits | 54.5949% | 5,389 |
| Total domestic deposits to total assets | 91.8106% | 148 |
| Equity capital to assets | 7.6213% | 6,092 |
| Core capital (leverage) ratio | 8.0238% | 5,918 |
| Tier 1 risk-based capital ratio | 14.6455% | 3,554 |
| Total risk-based capital ratio | 15.9092% | 3,476 |
| Memoranda: | ||
| Average total assets | $61,924,000 | 5,395 |
| Average earning assets | $57,775,330 | 5,371 |
| Average equity | $4,630,670 | 5,874 |
| Average total loans | $25,009,000 | 5,662 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9457% | 58 |
| Cost of funding earning assets | 0.7373% | 707 |
| Net interest margin | 6.2084% | 67 |
| Noninterest income to average assets | 0.1484% | 5,851 |
| Noninterest expense to average assets | 2.9681% | 2,679 |
| Loan and lease loss provision to assets | 1.9357% | 29 |
| Net operating income to assets | 0.7012% | 3,791 |
| Return on assets (ROA) | 0.7098% | 3,874 |
| Pretax return on assets | 1.0711% | 3,213 |
| Return on Equity (ROE) | 9.5829% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.5829% | 1,023 |
| Net charge-offs to loans | 2.4676% | 62 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 3.0933% | 2,656 |
| Efficiency ratio | 49.7835% | 5,927 |
| Assets per employee ($millions) | 2.9505% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9545% | 312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 39.4409% | 5,631 |
| Net loans and leases to deposits | 42.9181% | 5,804 |
| Net loans and leases to core deposits | 52.2012% | 5,476 |
| Total domestic deposits to total assets | 91.8981% | 156 |
| Equity capital to assets | 7.5806% | 6,156 |
| Core capital (leverage) ratio | 7.6085% | 6,111 |
| Tier 1 risk-based capital ratio | 14.1808% | 3,892 |
| Total risk-based capital ratio | 15.4422% | 3,815 |
| Memoranda: | ||
| Average total assets | $61,992,500 | 5,452 |
| Average earning assets | $58,050,500 | 5,416 |
| Average equity | $4,591,500 | 5,932 |
| Average total loans | $24,315,000 | 5,739 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0200% | 146 |
| Cost of funding earning assets | 0.8155% | 600 |
| Net interest margin | 5.2046% | 210 |
| Noninterest income to average assets | 0.1700% | 5,836 |
| Noninterest expense to average assets | 2.9666% | 2,945 |
| Loan and lease loss provision to assets | 1.3748% | 66 |
| Net operating income to assets | 0.4548% | 4,995 |
| Return on assets (ROA) | 0.4703% | 5,024 |
| Pretax return on assets | 0.7127% | 4,573 |
| Return on Equity (ROE) | 6.4261% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.9432% | 2,639 |
| Net charge-offs to loans | 2.7793% | 44 |
| Credit loss provision to net charge-offs | 158.0042% | 1,529 |
| Earnings coverage of net charge-offs (x) | 2.3721% | 4,170 |
| Efficiency ratio | 58.9716% | 5,350 |
| Assets per employee ($millions) | 3.1012% | 5,564 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5333% | 530 |
| Loan loss allowance to noncurrent loans | 576.6990% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 5,360 |
| Noncurrent loans to loans | 0.4393% | 4,326 |
| Net loans and leases to total assets | 36.8470% | 5,907 |
| Net loans and leases to deposits | 39.8605% | 6,044 |
| Net loans and leases to core deposits | 48.3949% | 5,795 |
| Total domestic deposits to total assets | 92.4400% | 103 |
| Equity capital to assets | 7.2327% | 6,297 |
| Core capital (leverage) ratio | 7.4674% | 6,210 |
| Tier 1 risk-based capital ratio | 13.8889% | 4,173 |
| Total risk-based capital ratio | 15.1442% | 4,111 |
| Memoranda: | ||
| Average total assets | $55,281,600 | 5,668 |
| Average earning assets | $51,627,800 | 5,629 |
| Average equity | $4,046,000 | 6,082 |
| Average total loans | $17,306,800 | 6,075 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7468% | 213 |
| Cost of funding earning assets | 0.8297% | 595 |
| Net interest margin | 4.9171% | 341 |
| Noninterest income to average assets | 0.1692% | 5,909 |
| Noninterest expense to average assets | 2.9330% | 3,015 |
| Loan and lease loss provision to assets | 1.1369% | 90 |
| Net operating income to assets | 0.4604% | 5,032 |
| Return on assets (ROA) | 0.4801% | 5,027 |
| Pretax return on assets | 0.7289% | 4,596 |
| Return on Equity (ROE) | 6.5379% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.5379% | 2,076 |
| Net charge-offs to loans | 2.0036% | 102 |
| Credit loss provision to net charge-offs | 192.8270% | 1,305 |
| Earnings coverage of net charge-offs (x) | 3.1140% | 3,739 |
| Efficiency ratio | 61.5023% | 4,963 |
| Assets per employee ($millions) | 3.2359% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6815% | 501 |
| Loan loss allowance to noncurrent loans | 1,786.6667% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 5,964 |
| Noncurrent loans to loans | 0.1501% | 5,466 |
| Net loans and leases to total assets | 31.6396% | 6,196 |
| Net loans and leases to deposits | 34.1227% | 6,292 |
| Net loans and leases to core deposits | 41.4652% | 6,136 |
| Total domestic deposits to total assets | 92.7232% | 98 |
| Equity capital to assets | 6.8588% | 6,404 |
| Core capital (leverage) ratio | 8.1390% | 5,977 |
| Tier 1 risk-based capital ratio | 14.7977% | 3,705 |
| Total risk-based capital ratio | 16.0546% | 3,638 |
| Memoranda: | ||
| Average total assets | $53,596,000 | 5,769 |
| Average earning assets | $50,136,500 | 5,737 |
| Average equity | $3,936,000 | 6,171 |
| Average total loans | $15,771,500 | 6,204 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 283 |
| Cost of funding earning assets | 0.8536% | 545 |
| Net interest margin | 4.6988% | 488 |
| Noninterest income to average assets | 0.1648% | 5,963 |
| Noninterest expense to average assets | 2.9941% | 2,848 |
| Loan and lease loss provision to assets | 1.0006% | 104 |
| Net operating income to assets | 0.3796% | 5,294 |
| Return on assets (ROA) | 0.4081% | 5,270 |
| Pretax return on assets | 0.6200% | 4,894 |
| Return on Equity (ROE) | 5.4134% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.4134% | 2,693 |
| Net charge-offs to loans | 1.9630% | 115 |
| Credit loss provision to net charge-offs | 180.8511% | 1,263 |
| Earnings coverage of net charge-offs (x) | 2.8511% | 3,450 |
| Efficiency ratio | 65.4936% | 4,445 |
| Assets per employee ($millions) | 3.2539% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5669% | 647 |
| Loan loss allowance to noncurrent loans | 14,300.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,243 |
| Noncurrent loans to loans | 0.0180% | 6,022 |
| Net loans and leases to total assets | 31.2775% | 6,266 |
| Net loans and leases to deposits | 34.1326% | 6,342 |
| Net loans and leases to core deposits | 42.9895% | 6,112 |
| Total domestic deposits to total assets | 91.6351% | 229 |
| Equity capital to assets | 7.8847% | 6,216 |
| Core capital (leverage) ratio | 8.8322% | 5,246 |
| Tier 1 risk-based capital ratio | 17.6838% | 2,361 |
| Total risk-based capital ratio | 18.9376% | 2,323 |
| Memoranda: | ||
| Average total assets | $50,967,000 | 5,877 |
| Average earning assets | $47,799,670 | 5,840 |
| Average equity | $3,842,330 | 6,234 |
| Average total loans | $14,365,670 | 6,306 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 410 |
| Cost of funding earning assets | 0.8535% | 574 |
| Net interest margin | 4.4449% | 734 |
| Noninterest income to average assets | 0.1825% | 5,870 |
| Noninterest expense to average assets | 2.8878% | 3,259 |
| Loan and lease loss provision to assets | 0.7537% | 162 |
| Net operating income to assets | 0.4682% | 4,853 |
| Return on assets (ROA) | 0.4839% | 4,841 |
| Pretax return on assets | 0.7378% | 4,364 |
| Return on Equity (ROE) | 6.5750% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.5750% | 2,238 |
| Net charge-offs to loans | 1.3948% | 231 |
| Credit loss provision to net charge-offs | 206.5217% | 1,013 |
| Earnings coverage of net charge-offs (x) | 4.0217% | 2,583 |
| Efficiency ratio | 66.3024% | 4,486 |
| Assets per employee ($millions) | 3.1439% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6390% | 683 |
| Loan loss allowance to noncurrent loans | 960.5263% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 6,022 |
| Noncurrent loans to loans | 0.2747% | 5,284 |
| Net loans and leases to total assets | 26.7703% | 6,450 |
| Net loans and leases to deposits | 29.1440% | 6,492 |
| Net loans and leases to core deposits | 37.0047% | 6,335 |
| Total domestic deposits to total assets | 91.8552% | 287 |
| Equity capital to assets | 7.7373% | 6,215 |
| Core capital (leverage) ratio | 8.8047% | 5,259 |
| Tier 1 risk-based capital ratio | 17.8674% | 2,350 |
| Total risk-based capital ratio | 19.1186% | 2,325 |
| Memoranda: | ||
| Average total assets | $50,419,000 | 5,952 |
| Average earning assets | $47,335,500 | 5,908 |
| Average equity | $3,711,000 | 6,305 |
| Average total loans | $13,192,000 | 6,414 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 1,734 |
| Cost of funding earning assets | 0.8222% | 1,082 |
| Net interest margin | 3.8232% | 2,559 |
| Noninterest income to average assets | 0.1981% | 5,902 |
| Noninterest expense to average assets | 2.8638% | 3,483 |
| Loan and lease loss provision to assets | 0.8367% | 245 |
| Net operating income to assets | 0.0640% | 6,109 |
| Return on assets (ROA) | 0.1940% | 5,904 |
| Pretax return on assets | 0.2971% | 5,740 |
| Return on Equity (ROE) | 2.2979% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.2979% | 4,616 |
| Net charge-offs to loans | 2.5012% | 115 |
| Credit loss provision to net charge-offs | 151.0949% | 1,539 |
| Earnings coverage of net charge-offs (x) | 1.6861% | 4,489 |
| Efficiency ratio | 75.4125% | 2,875 |
| Assets per employee ($millions) | 3.6097% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5094% | 821 |
| Loan loss allowance to noncurrent loans | 1,657.8947% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 6,266 |
| Noncurrent loans to loans | 0.1514% | 5,743 |
| Net loans and leases to total assets | 24.2164% | 6,599 |
| Net loans and leases to deposits | 26.1423% | 6,639 |
| Net loans and leases to core deposits | 33.0632% | 6,531 |
| Total domestic deposits to total assets | 92.6330% | 173 |
| Equity capital to assets | 6.9851% | 6,459 |
| Core capital (leverage) ratio | 8.4887% | 5,687 |
| Tier 1 risk-based capital ratio | 18.0391% | 2,238 |
| Total risk-based capital ratio | 19.2913% | 2,201 |
| Memoranda: | ||
| Average total assets | $49,480,400 | 6,025 |
| Average earning assets | $46,584,200 | 5,967 |
| Average equity | $4,177,800 | 6,288 |
| Average total loans | $10,954,800 | 6,553 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 2,307 |
| Cost of funding earning assets | 0.7996% | 1,325 |
| Net interest margin | 3.6816% | 3,096 |
| Noninterest income to average assets | 0.2005% | 5,981 |
| Noninterest expense to average assets | 2.9014% | 3,304 |
| Loan and lease loss provision to assets | 0.8019% | 243 |
| Net operating income to assets | -0.0244% | 6,319 |
| Return on assets (ROA) | 0.1517% | 6,101 |
| Pretax return on assets | 0.2275% | 5,997 |
| Return on Equity (ROE) | 1.7204% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.7204% | 5,280 |
| Net charge-offs to loans | 2.7916% | 88 |
| Credit loss provision to net charge-offs | 133.9367% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1.2805% | 4,412 |
| Efficiency ratio | 79.0990% | 2,247 |
| Assets per employee ($millions) | 3.8069% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 1,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 21.5663% | 6,723 |
| Net loans and leases to deposits | 23.1921% | 6,766 |
| Net loans and leases to core deposits | 30.7853% | 6,671 |
| Total domestic deposits to total assets | 92.9901% | 126 |
| Equity capital to assets | 6.5952% | 6,630 |
| Core capital (leverage) ratio | 8.6083% | 5,647 |
| Tier 1 risk-based capital ratio | 17.7501% | 2,423 |
| Total risk-based capital ratio | 18.7495% | 2,475 |
| Memoranda: | ||
| Average total assets | $49,216,500 | 6,098 |
| Average earning assets | $46,355,750 | 6,044 |
| Average equity | $4,339,750 | 6,328 |
| Average total loans | $10,555,250 | 6,640 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 2,751 |
| Cost of funding earning assets | 0.7766% | 1,545 |
| Net interest margin | 3.5757% | 3,465 |
| Noninterest income to average assets | 0.2090% | 5,947 |
| Noninterest expense to average assets | 2.9588% | 3,130 |
| Loan and lease loss provision to assets | 0.8609% | 235 |
| Net operating income to assets | -0.1356% | 6,443 |
| Return on assets (ROA) | 0.0961% | 6,223 |
| Pretax return on assets | 0.1463% | 6,163 |
| Return on Equity (ROE) | 0.9968% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.9968% | 5,503 |
| Net charge-offs to loans | 3.0515% | 94 |
| Credit loss provision to net charge-offs | 132.9032% | 1,711 |
| Earnings coverage of net charge-offs (x) | 1.0129% | 4,193 |
| Efficiency ratio | 81.8497% | 1,905 |
| Assets per employee ($millions) | 3.3379% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 1,706 |
| Loan loss allowance to noncurrent loans | 2,511.1111% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 6,485 |
| Noncurrent loans to loans | 0.0823% | 6,148 |
| Net loans and leases to total assets | 22.9205% | 6,744 |
| Net loans and leases to deposits | 25.2695% | 6,777 |
| Net loans and leases to core deposits | 30.4048% | 6,713 |
| Total domestic deposits to total assets | 90.7042% | 661 |
| Equity capital to assets | 8.9170% | 5,305 |
| Core capital (leverage) ratio | 8.9704% | 5,040 |
| Tier 1 risk-based capital ratio | 19.8299% | 1,759 |
| Total risk-based capital ratio | 20.8580% | 1,800 |
| Memoranda: | ||
| Average total assets | $47,856,670 | 6,184 |
| Average earning assets | $45,585,000 | 6,118 |
| Average equity | $4,614,670 | 6,292 |
| Average total loans | $10,159,000 | 6,696 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0154% | 4,055 |
| Cost of funding earning assets | 0.7772% | 1,662 |
| Net interest margin | 3.2382% | 4,764 |
| Noninterest income to average assets | 0.2231% | 5,887 |
| Noninterest expense to average assets | 2.8831% | 3,404 |
| Loan and lease loss provision to assets | 0.9666% | 186 |
| Net operating income to assets | -0.5287% | 6,686 |
| Return on assets (ROA) | 0.0000% | 6,416 |
| Pretax return on assets | 0.0000% | 6,408 |
| Return on Equity (ROE) | 0.0000% | 6,418 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | 3.9713% | 68 |
| Credit loss provision to net charge-offs | 120.6186% | 1,589 |
| Earnings coverage of net charge-offs (x) | 0.5464% | 3,637 |
| Efficiency ratio | 86.8159% | 1,427 |
| Assets per employee ($millions) | 3.1849% | 5,661 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 20.6204% | 6,844 |
| Net loans and leases to deposits | 23.0627% | 6,878 |
| Net loans and leases to core deposits | 27.4983% | 6,810 |
| Total domestic deposits to total assets | 89.4103% | 1,409 |
| Equity capital to assets | 10.0350% | 4,106 |
| Core capital (leverage) ratio | 8.8665% | 5,099 |
| Tier 1 risk-based capital ratio | 20.0652% | 1,751 |
| Total risk-based capital ratio | 20.9730% | 1,816 |
| Memoranda: | ||
| Average total assets | $48,419,500 | 6,225 |
| Average earning assets | $46,322,000 | 6,150 |
| Average equity | $4,838,500 | 6,292 |
| Average total loans | $9,770,000 | 6,781 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 5,985 |
| Cost of funding earning assets | 0.8355% | 2,388 |
| Net interest margin | 2.8983% | 6,228 |
| Noninterest income to average assets | 0.1656% | 6,207 |
| Noninterest expense to average assets | 2.6410% | 4,597 |
| Loan and lease loss provision to assets | 0.0727% | 4,822 |
| Net operating income to assets | 0.1024% | 6,010 |
| Return on assets (ROA) | 0.1090% | 6,137 |
| Pretax return on assets | 0.1656% | 6,040 |
| Return on Equity (ROE) | 1.1476% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.1476% | 5,299 |
| Net charge-offs to loans | 0.4104% | 2,613 |
| Credit loss provision to net charge-offs | 112.5000% | 2,588 |
| Earnings coverage of net charge-offs (x) | 3.5313% | 3,691 |
| Efficiency ratio | 92.0479% | 916 |
| Assets per employee ($millions) | 4.0888% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,453 |
| Loan loss allowance to noncurrent loans | 514.7059% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 6,434 |
| Noncurrent loans to loans | 0.3581% | 5,590 |
| Net loans and leases to total assets | 18.9928% | 6,941 |
| Net loans and leases to deposits | 21.2133% | 6,961 |
| Net loans and leases to core deposits | 25.1600% | 6,917 |
| Total domestic deposits to total assets | 89.5325% | 1,228 |
| Equity capital to assets | 9.9519% | 4,234 |
| Core capital (leverage) ratio | 8.6846% | 5,351 |
| Tier 1 risk-based capital ratio | 20.7762% | 1,508 |
| Total risk-based capital ratio | 21.6179% | 1,564 |
| Memoranda: | ||
| Average total assets | $49,526,600 | 6,226 |
| Average earning assets | $46,200,200 | 6,172 |
| Average equity | $4,705,600 | 6,385 |
| Average total loans | $7,797,200 | 6,924 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 6,346 |
| Cost of funding earning assets | 0.8520% | 2,520 |
| Net interest margin | 2.7793% | 6,530 |
| Noninterest income to average assets | 0.1585% | 6,352 |
| Noninterest expense to average assets | 2.5918% | 4,771 |
| Loan and lease loss provision to assets | 0.0376% | 5,305 |
| Net operating income to assets | 0.0690% | 6,177 |
| Return on assets (ROA) | 0.0779% | 6,300 |
| Pretax return on assets | 0.1182% | 6,244 |
| Return on Equity (ROE) | 0.8296% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.8296% | 5,834 |
| Net charge-offs to loans | 0.0905% | 4,472 |
| Credit loss provision to net charge-offs | 280.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 10.5937% | 2,173 |
| Efficiency ratio | 94.7937% | 725 |
| Assets per employee ($millions) | 4.2544% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0666% | 1,994 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,802 |
| Noncurrent loans to loans | 0.0230% | 6,583 |
| Net loans and leases to total assets | 16.7081% | 7,063 |
| Net loans and leases to deposits | 18.5241% | 7,085 |
| Net loans and leases to core deposits | 22.6603% | 7,058 |
| Total domestic deposits to total assets | 90.1965% | 735 |
| Equity capital to assets | 9.3824% | 5,361 |
| Core capital (leverage) ratio | 8.7263% | 5,433 |
| Tier 1 risk-based capital ratio | 21.0583% | 1,511 |
| Total risk-based capital ratio | 21.9419% | 1,564 |
| Memoranda: | ||
| Average total assets | $49,641,750 | 6,294 |
| Average earning assets | $46,006,250 | 6,252 |
| Average equity | $4,661,250 | 6,470 |
| Average total loans | $7,373,000 | 7,031 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5172% | 6,586 |
| Cost of funding earning assets | 0.8497% | 2,794 |
| Net interest margin | 2.6675% | 6,751 |
| Noninterest income to average assets | 0.1668% | 6,345 |
| Noninterest expense to average assets | 2.5909% | 4,803 |
| Loan and lease loss provision to assets | 0.0366% | 5,218 |
| Net operating income to assets | 0.0108% | 6,308 |
| Return on assets (ROA) | 0.0244% | 6,430 |
| Pretax return on assets | 0.0366% | 6,406 |
| Return on Equity (ROE) | 0.2598% | 6,426 |
| Retained earnings to average equity (ytd only) | 0.2598% | 5,956 |
| Net charge-offs to loans | 0.1155% | 4,018 |
| Credit loss provision to net charge-offs | 225.0000% | 1,262 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,438 |
| Efficiency ratio | 98.0000% | 622 |
| Assets per employee ($millions) | 4.5268% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1662% | 1,853 |
| Loan loss allowance to noncurrent loans | 977.7778% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 6,744 |
| Noncurrent loans to loans | 0.2215% | 6,137 |
| Net loans and leases to total assets | 15.9635% | 7,130 |
| Net loans and leases to deposits | 17.7105% | 7,151 |
| Net loans and leases to core deposits | 21.3516% | 7,131 |
| Total domestic deposits to total assets | 90.1356% | 848 |
| Equity capital to assets | 9.5371% | 5,008 |
| Core capital (leverage) ratio | 8.6946% | 5,393 |
| Tier 1 risk-based capital ratio | 21.8195% | 1,328 |
| Total risk-based capital ratio | 22.7205% | 1,369 |
| Memoranda: | ||
| Average total assets | $49,171,330 | 6,347 |
| Average earning assets | $45,661,000 | 6,297 |
| Average equity | $4,618,330 | 6,508 |
| Average total loans | $6,927,330 | 7,106 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 6,801 |
| Cost of funding earning assets | 0.8388% | 3,161 |
| Net interest margin | 2.5694% | 6,894 |
| Noninterest income to average assets | 0.1719% | 6,347 |
| Noninterest expense to average assets | 2.5706% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0111% | 6,436 |
| Return on assets (ROA) | 0.0164% | 6,495 |
| Pretax return on assets | 0.0246% | 6,497 |
| Return on Equity (ROE) | 0.1757% | 6,491 |
| Retained earnings to average equity (ytd only) | 0.1757% | 5,923 |
| Net charge-offs to loans | -0.3160% | 7,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6410% | 534 |
| Assets per employee ($millions) | 4.3692% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6020% | 1,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 13.7076% | 7,211 |
| Net loans and leases to deposits | 15.1783% | 7,228 |
| Net loans and leases to core deposits | 18.6846% | 7,208 |
| Total domestic deposits to total assets | 90.3102% | 906 |
| Equity capital to assets | 9.4817% | 4,831 |
| Core capital (leverage) ratio | 8.7463% | 5,208 |
| Tier 1 risk-based capital ratio | 23.3126% | 1,094 |
| Total risk-based capital ratio | 24.2808% | 1,114 |
| Memoranda: | ||
| Average total assets | $48,859,500 | 6,401 |
| Average earning assets | $45,302,500 | 6,356 |
| Average equity | $4,553,000 | 6,565 |
| Average total loans | $6,328,500 | 7,181 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3122% | 7,090 |
| Cost of funding earning assets | 0.8531% | 4,449 |
| Net interest margin | 2.4591% | 7,075 |
| Noninterest income to average assets | 0.1890% | 6,150 |
| Noninterest expense to average assets | 2.7069% | 4,715 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.1675% | 6,220 |
| Return on assets (ROA) | -0.1215% | 6,255 |
| Pretax return on assets | -0.1845% | 6,274 |
| Return on Equity (ROE) | -1.2147% | 6,267 |
| Retained earnings to average equity (ytd only) | -1.2147% | 6,045 |
| Net charge-offs to loans | 0.1718% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -9.4167% | 6,394 |
| Efficiency ratio | 110.3670% | 433 |
| Assets per employee ($millions) | 4.9658% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 11.5228% | 7,284 |
| Net loans and leases to deposits | 12.7164% | 7,290 |
| Net loans and leases to core deposits | 15.5802% | 7,274 |
| Total domestic deposits to total assets | 90.6138% | 658 |
| Equity capital to assets | 9.1607% | 5,342 |
| Core capital (leverage) ratio | 9.0181% | 4,749 |
| Tier 1 risk-based capital ratio | 24.1953% | 950 |
| Total risk-based capital ratio | 25.1799% | 958 |
| Memoranda: | ||
| Average total assets | $44,441,800 | 6,519 |
| Average earning assets | $40,909,200 | 6,495 |
| Average equity | $4,445,600 | 6,617 |
| Average total loans | $6,985,400 | 7,212 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 7,126 |
| Cost of funding earning assets | 0.8677% | 4,652 |
| Net interest margin | 2.5597% | 7,104 |
| Noninterest income to average assets | 0.2009% | 6,163 |
| Noninterest expense to average assets | 2.8126% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1660% | 6,347 |
| Return on assets (ROA) | -0.1762% | 6,439 |
| Pretax return on assets | -0.2658% | 6,465 |
| Return on Equity (ROE) | -1.7196% | 6,455 |
| Retained earnings to average equity (ytd only) | -1.7196% | 6,265 |
| Net charge-offs to loans | 0.0919% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -16.1919% | 6,146 |
| Efficiency ratio | 109.7708% | 432 |
| Assets per employee ($millions) | 4.5219% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2096% | 715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 11.9375% | 7,354 |
| Net loans and leases to deposits | 13.3379% | 7,365 |
| Net loans and leases to core deposits | 17.0134% | 7,342 |
| Total domestic deposits to total assets | 89.5000% | 1,145 |
| Equity capital to assets | 10.2258% | 4,052 |
| Core capital (leverage) ratio | 9.4395% | 4,245 |
| Tier 1 risk-based capital ratio | 27.3719% | 707 |
| Total risk-based capital ratio | 28.4688% | 706 |
| Memoranda: | ||
| Average total assets | $43,137,750 | 6,622 |
| Average earning assets | $39,795,250 | 6,596 |
| Average equity | $4,419,750 | 6,671 |
| Average total loans | $7,258,500 | 7,277 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5341% | 7,142 |
| Cost of funding earning assets | 0.9092% | 4,591 |
| Net interest margin | 2.6249% | 7,101 |
| Noninterest income to average assets | 0.2168% | 6,117 |
| Noninterest expense to average assets | 2.9356% | 3,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2059% | 6,476 |
| Return on assets (ROA) | -0.2215% | 6,529 |
| Pretax return on assets | -0.3346% | 6,553 |
| Return on Equity (ROE) | -2.1601% | 6,532 |
| Retained earnings to average equity (ytd only) | -2.1601% | 6,273 |
| Net charge-offs to loans | 0.1535% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 5,831 |
| Efficiency ratio | 111.8492% | 448 |
| Assets per employee ($millions) | 4.3814% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0871% | 825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 12.7539% | 7,427 |
| Net loans and leases to deposits | 14.2737% | 7,440 |
| Net loans and leases to core deposits | 18.3580% | 7,416 |
| Total domestic deposits to total assets | 89.3527% | 1,330 |
| Equity capital to assets | 10.3917% | 3,643 |
| Core capital (leverage) ratio | 9.4685% | 3,997 |
| Tier 1 risk-based capital ratio | 27.5973% | 691 |
| Total risk-based capital ratio | 28.7109% | 685 |
| Memoranda: | ||
| Average total assets | $42,444,000 | 6,703 |
| Average earning assets | $38,935,330 | 6,689 |
| Average equity | $4,351,670 | 6,731 |
| Average total loans | $7,819,000 | 7,335 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 7,260 |
| Cost of funding earning assets | 0.8601% | 5,208 |
| Net interest margin | 2.5487% | 7,162 |
| Noninterest income to average assets | 0.2778% | 5,681 |
| Noninterest expense to average assets | 3.0077% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2653% | 6,626 |
| Return on assets (ROA) | -0.2969% | 6,672 |
| Pretax return on assets | -0.4502% | 6,730 |
| Return on Equity (ROE) | -2.9170% | 6,658 |
| Retained earnings to average equity (ytd only) | -2.9170% | 6,282 |
| Net charge-offs to loans | -0.1357% | 7,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4412% | 402 |
| Assets per employee ($millions) | 4.0108% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 1,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 18.3912% | 7,448 |
| Net loans and leases to deposits | 20.4177% | 7,462 |
| Net loans and leases to core deposits | 27.6739% | 7,406 |
| Total domestic deposits to total assets | 90.0746% | 1,109 |
| Equity capital to assets | 9.6806% | 4,198 |
| Core capital (leverage) ratio | 10.2083% | 2,919 |
| Tier 1 risk-based capital ratio | 27.5162% | 667 |
| Total risk-based capital ratio | 28.7193% | 653 |
| Memoranda: | ||
| Average total assets | $41,759,000 | 6,771 |
| Average earning assets | $38,136,500 | 6,755 |
| Average equity | $4,251,000 | 6,790 |
| Average total loans | $8,845,500 | 7,346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 6,145 |
| Cost of funding earning assets | 0.9198% | 6,088 |
| Net interest margin | 3.6688% | 4,496 |
| Noninterest income to average assets | 0.3276% | 5,442 |
| Noninterest expense to average assets | 4.3914% | 729 |
| Loan and lease loss provision to assets | 0.3121% | 4,308 |
| Net operating income to assets | -0.6726% | 6,492 |
| Return on assets (ROA) | -0.2256% | 6,194 |
| Pretax return on assets | -0.4357% | 6,275 |
| Return on Equity (ROE) | -1.7998% | 6,151 |
| Retained earnings to average equity (ytd only) | -1.7998% | 5,938 |
| Net charge-offs to loans | 2.1571% | 909 |
| Credit loss provision to net charge-offs | 48.3254% | 6,288 |
| Earnings coverage of net charge-offs (x) | -1.2727% | 6,648 |
| Efficiency ratio | 123.0303% | 379 |
| Assets per employee ($millions) | 3.5817% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9593% | 2,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 23.3686% | 7,481 |
| Net loans and leases to deposits | 26.2592% | 7,508 |
| Net loans and leases to core deposits | 38.2859% | 7,345 |
| Total domestic deposits to total assets | 88.9921% | 1,666 |
| Equity capital to assets | 10.7389% | 2,911 |
| Core capital (leverage) ratio | 12.0005% | 1,550 |
| Tier 1 risk-based capital ratio | 18.3550% | 1,892 |
| Total risk-based capital ratio | 19.1252% | 2,002 |
| Memoranda: | ||
| Average total assets | $32,358,600 | 7,136 |
| Average earning assets | $28,592,800 | 7,144 |
| Average equity | $4,056,000 | 6,981 |
| Average total loans | $9,688,800 | 7,410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9954% | 4,836 |
| Cost of funding earning assets | 0.9314% | 6,270 |
| Net interest margin | 4.0640% | 2,794 |
| Noninterest income to average assets | 0.3573% | 5,309 |
| Noninterest expense to average assets | 4.8847% | 411 |
| Loan and lease loss provision to assets | 0.4183% | 3,393 |
| Net operating income to assets | -0.8089% | 6,797 |
| Return on assets (ROA) | -0.1787% | 6,366 |
| Pretax return on assets | -0.4052% | 6,497 |
| Return on Equity (ROE) | -1.3626% | 6,322 |
| Retained earnings to average equity (ytd only) | -1.3626% | 6,071 |
| Net charge-offs to loans | 2.5810% | 642 |
| Credit loss provision to net charge-offs | 50.7937% | 5,869 |
| Earnings coverage of net charge-offs (x) | -1.1799% | 6,474 |
| Efficiency ratio | 124.8330% | 342 |
| Assets per employee ($millions) | 2.5587% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1078% | 1,984 |
| Loan loss allowance to noncurrent loans | 2,211.1111% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 7,283 |
| Noncurrent loans to loans | 0.0953% | 6,996 |
| Net loans and leases to total assets | 30.1003% | 7,465 |
| Net loans and leases to deposits | 35.3937% | 7,486 |
| Net loans and leases to core deposits | 40.7496% | 7,408 |
| Total domestic deposits to total assets | 85.0443% | 3,598 |
| Equity capital to assets | 14.4867% | 1,022 |
| Core capital (leverage) ratio | 14.5569% | 808 |
| Tier 1 risk-based capital ratio | 24.1340% | 932 |
| Total risk-based capital ratio | 25.2213% | 924 |
| Memoranda: | ||
| Average total assets | $30,598,500 | 7,266 |
| Average earning assets | $26,770,750 | 7,288 |
| Average equity | $4,012,250 | 7,087 |
| Average total loans | $9,763,250 | 7,502 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 4,742 |
| Cost of funding earning assets | 0.9294% | 6,468 |
| Net interest margin | 4.1117% | 2,503 |
| Noninterest income to average assets | 0.3076% | 5,696 |
| Noninterest expense to average assets | 4.6199% | 513 |
| Loan and lease loss provision to assets | 0.4646% | 2,993 |
| Net operating income to assets | -0.6298% | 6,763 |
| Return on assets (ROA) | -0.5628% | 6,744 |
| Pretax return on assets | -1.0536% | 6,913 |
| Return on Equity (ROE) | -4.4479% | 6,652 |
| Retained earnings to average equity (ytd only) | -4.4479% | 6,494 |
| Net charge-offs to loans | 2.6341% | 630 |
| Credit loss provision to net charge-offs | 54.6154% | 5,322 |
| Earnings coverage of net charge-offs (x) | -0.8154% | 6,092 |
| Efficiency ratio | 117.6667% | 442 |
| Assets per employee ($millions) | 2.3447% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4933% | 1,313 |
| Loan loss allowance to noncurrent loans | 1,226.3158% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 7,234 |
| Noncurrent loans to loans | 0.2033% | 6,844 |
| Net loans and leases to total assets | 29.8940% | 7,541 |
| Net loans and leases to deposits | 35.4967% | 7,542 |
| Net loans and leases to core deposits | 39.1443% | 7,504 |
| Total domestic deposits to total assets | 84.2164% | 4,007 |
| Equity capital to assets | 14.9405% | 896 |
| Core capital (leverage) ratio | 13.9534% | 935 |
| Tier 1 risk-based capital ratio | 29.1728% | 560 |
| Total risk-based capital ratio | 30.4270% | 544 |
| Memoranda: | ||
| Average total assets | $30,563,330 | 7,329 |
| Average earning assets | $26,898,670 | 7,339 |
| Average equity | $3,867,000 | 7,160 |
| Average total loans | $9,870,670 | 7,559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 4,169 |
| Cost of funding earning assets | 0.9748% | 6,498 |
| Net interest margin | 4.1993% | 2,043 |
| Noninterest income to average assets | 0.3137% | 5,643 |
| Noninterest expense to average assets | 4.6137% | 508 |
| Loan and lease loss provision to assets | 0.9280% | 1,364 |
| Net operating income to assets | -0.7711% | 6,997 |
| Return on assets (ROA) | -0.7711% | 7,019 |
| Pretax return on assets | -1.5684% | 7,281 |
| Return on Equity (ROE) | -6.6979% | 6,969 |
| Retained earnings to average equity (ytd only) | -6.6979% | 6,708 |
| Net charge-offs to loans | 4.6183% | 274 |
| Credit loss provision to net charge-offs | 60.6838% | 4,283 |
| Earnings coverage of net charge-offs (x) | -0.4188% | 5,254 |
| Efficiency ratio | 116.1184% | 495 |
| Assets per employee ($millions) | 2.8230% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5881% | 1,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 29.8168% | 7,630 |
| Net loans and leases to deposits | 35.1252% | 7,642 |
| Net loans and leases to core deposits | 35.1252% | 7,666 |
| Total domestic deposits to total assets | 84.8871% | 3,731 |
| Equity capital to assets | 14.4624% | 1,018 |
| Core capital (leverage) ratio | 14.8836% | 773 |
| Tier 1 risk-based capital ratio | 29.8116% | 535 |
| Total risk-based capital ratio | 30.5435% | 551 |
| Memoranda: | ||
| Average total assets | $30,604,500 | 7,422 |
| Average earning assets | $26,671,000 | 7,441 |
| Average equity | $3,523,500 | 7,338 |
| Average total loans | $10,133,500 | 7,645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3825% | 156 |
| Cost of funding earning assets | 1.1661% | 6,778 |
| Net interest margin | 6.2164% | 95 |
| Noninterest income to average assets | 0.3974% | 5,221 |
| Noninterest expense to average assets | 6.3968% | 260 |
| Loan and lease loss provision to assets | 1.0791% | 2,120 |
| Net operating income to assets | -1.1103% | 6,651 |
| Return on assets (ROA) | -1.1103% | 6,655 |
| Pretax return on assets | -1.6791% | 6,802 |
| Return on Equity (ROE) | -10.5940% | 6,661 |
| Retained earnings to average equity (ytd only) | -10.5940% | 6,558 |
| Net charge-offs to loans | 2.7409% | 819 |
| Credit loss provision to net charge-offs | 94.8630% | 5,821 |
| Earnings coverage of net charge-offs (x) | -0.5274% | 6,706 |
| Efficiency ratio | 110.3495% | 790 |
| Assets per employee ($millions) | 2.5130% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7133% | 1,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 34.7195% | 7,572 |
| Net loans and leases to deposits | 38.0658% | 7,678 |
| Net loans and leases to core deposits | 52.9939% | 7,504 |
| Total domestic deposits to total assets | 91.2090% | 464 |
| Equity capital to assets | 8.4759% | 5,917 |
| Core capital (leverage) ratio | 8.6079% | 5,087 |
| Tier 1 risk-based capital ratio | 15.1869% | 2,850 |
| Total risk-based capital ratio | 16.1384% | 2,951 |
| Memoranda: | ||
| Average total assets | $25,669,200 | 7,621 |
| Average earning assets | $22,296,000 | 7,642 |
| Average equity | $2,690,200 | 7,681 |
| Average total loans | $10,653,600 | 7,671 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9108% | 87 |
| Cost of funding earning assets | 1.1685% | 6,978 |
| Net interest margin | 6.7423% | 62 |
| Noninterest income to average assets | 0.3965% | 5,317 |
| Noninterest expense to average assets | 6.7351% | 220 |
| Loan and lease loss provision to assets | 0.7224% | 2,571 |
| Net operating income to assets | -0.7930% | 6,687 |
| Return on assets (ROA) | -0.7930% | 6,688 |
| Pretax return on assets | -1.2004% | 6,815 |
| Return on Equity (ROE) | -7.1468% | 6,675 |
| Retained earnings to average equity (ytd only) | -7.1468% | 6,522 |
| Net charge-offs to loans | 1.6813% | 1,204 |
| Credit loss provision to net charge-offs | 99.2537% | 5,149 |
| Earnings coverage of net charge-offs (x) | -0.6567% | 6,545 |
| Efficiency ratio | 107.6389% | 816 |
| Assets per employee ($millions) | 1.7547% | 7,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 841 |
| Loan loss allowance to noncurrent loans | 2,781.8182% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 7,471 |
| Noncurrent loans to loans | 0.0986% | 7,235 |
| Net loans and leases to total assets | 41.2180% | 7,402 |
| Net loans and leases to deposits | 46.2250% | 7,559 |
| Net loans and leases to core deposits | 64.7779% | 7,212 |
| Total domestic deposits to total assets | 89.1683% | 1,121 |
| Equity capital to assets | 10.3150% | 3,714 |
| Core capital (leverage) ratio | 10.2776% | 2,995 |
| Tier 1 risk-based capital ratio | 16.3427% | 2,500 |
| Total risk-based capital ratio | 17.4098% | 2,510 |
| Memoranda: | ||
| Average total assets | $24,547,500 | 7,724 |
| Average earning assets | $21,337,500 | 7,738 |
| Average equity | $2,723,750 | 7,740 |
| Average total loans | $10,626,500 | 7,751 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9825% | 94 |
| Cost of funding earning assets | 1.1974% | 7,110 |
| Net interest margin | 6.7851% | 63 |
| Noninterest income to average assets | 0.4174% | 5,141 |
| Noninterest expense to average assets | 7.0378% | 216 |
| Loan and lease loss provision to assets | 0.8098% | 2,068 |
| Net operating income to assets | -0.9851% | 6,970 |
| Return on assets (ROA) | -0.9851% | 6,971 |
| Pretax return on assets | -1.4693% | 7,077 |
| Return on Equity (ROE) | -8.6552% | 6,942 |
| Retained earnings to average equity (ytd only) | -8.6552% | 6,735 |
| Net charge-offs to loans | 1.8564% | 1,014 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -0.8144% | 6,184 |
| Efficiency ratio | 110.3403% | 839 |
| Assets per employee ($millions) | 1.7869% | 7,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9246% | 602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 40.6004% | 7,518 |
| Net loans and leases to deposits | 45.6125% | 7,652 |
| Net loans and leases to core deposits | 59.0043% | 7,485 |
| Total domestic deposits to total assets | 89.0115% | 1,265 |
| Equity capital to assets | 10.5208% | 3,377 |
| Core capital (leverage) ratio | 11.1883% | 2,268 |
| Tier 1 risk-based capital ratio | 17.9212% | 2,042 |
| Total risk-based capital ratio | 19.0951% | 2,003 |
| Memoranda: | ||
| Average total assets | $23,956,330 | 7,818 |
| Average earning assets | $21,046,000 | 7,826 |
| Average equity | $2,726,670 | 7,811 |
| Average total loans | $10,450,330 | 7,840 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3983% | 69 |
| Cost of funding earning assets | 1.2754% | 7,099 |
| Net interest margin | 7.1229% | 51 |
| Noninterest income to average assets | 0.4952% | 4,365 |
| Noninterest expense to average assets | 7.1203% | 199 |
| Loan and lease loss provision to assets | 0.8708% | 1,506 |
| Net operating income to assets | -0.8708% | 7,165 |
| Return on assets (ROA) | -0.8708% | 7,199 |
| Pretax return on assets | -1.2977% | 7,299 |
| Return on Equity (ROE) | -7.3540% | 7,179 |
| Retained earnings to average equity (ytd only) | -7.3540% | 6,836 |
| Net charge-offs to loans | 1.9533% | 740 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -0.4902% | 5,246 |
| Efficiency ratio | 106.3776% | 919 |
| Assets per employee ($millions) | 1.4097% | 8,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9466% | 502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.6863% | 7,290 |
| Net loans and leases to deposits | 51.2040% | 7,450 |
| Net loans and leases to core deposits | 67.1575% | 7,183 |
| Total domestic deposits to total assets | 87.2711% | 2,085 |
| Equity capital to assets | 12.1969% | 2,140 |
| Core capital (leverage) ratio | 11.8358% | 1,981 |
| Tier 1 risk-based capital ratio | 19.9363% | 1,634 |
| Total risk-based capital ratio | 21.0320% | 1,614 |
| Memoranda: | ||
| Average total assets | $23,426,000 | 7,890 |
| Average earning assets | $20,385,000 | 7,892 |
| Average equity | $2,774,000 | 7,846 |
| Average total loans | $10,444,000 | 7,884 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3255% | 125 |
| Cost of funding earning assets | 1.7388% | 7,166 |
| Net interest margin | 6.5867% | 68 |
| Noninterest income to average assets | 0.5051% | 4,587 |
| Noninterest expense to average assets | 7.0459% | 278 |
| Loan and lease loss provision to assets | 1.2378% | 1,160 |
| Net operating income to assets | -1.3206% | 7,400 |
| Return on assets (ROA) | -1.3206% | 7,341 |
| Pretax return on assets | -2.0078% | 7,440 |
| Return on Equity (ROE) | -11.1749% | 7,357 |
| Retained earnings to average equity (ytd only) | -11.1749% | 7,171 |
| Net charge-offs to loans | 3.2258% | 263 |
| Credit loss provision to net charge-offs | 91.7178% | 5,638 |
| Earnings coverage of net charge-offs (x) | -0.5706% | 6,501 |
| Efficiency ratio | 112.2691% | 669 |
| Assets per employee ($millions) | 1.4292% | 8,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9230% | 470 |
| Loan loss allowance to noncurrent loans | 30,700.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,638 |
| Noncurrent loans to loans | 0.0095% | 7,515 |
| Net loans and leases to total assets | 41.9640% | 7,593 |
| Net loans and leases to deposits | 47.6894% | 7,721 |
| Net loans and leases to core deposits | 62.2276% | 7,505 |
| Total domestic deposits to total assets | 87.9944% | 1,472 |
| Equity capital to assets | 11.5117% | 2,630 |
| Core capital (leverage) ratio | 11.3582% | 2,334 |
| Tier 1 risk-based capital ratio | 19.8696% | 1,641 |
| Total risk-based capital ratio | 21.0286% | 1,612 |
| Memoranda: | ||
| Average total assets | $24,156,000 | 7,864 |
| Average earning assets | $21,164,000 | 7,889 |
| Average equity | $2,854,600 | 7,879 |
| Average total loans | $10,106,000 | 7,933 |