Home > American Bank of Baxter Springs > Performance and Condition Ratios
American Bank of Baxter Springs, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 3,981 |
| Cost of funding earning assets | 0.5508% | 4,273 |
| Net interest margin | 3.8629% | 1,544 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 2.1418% | 3,268 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 1.7947% | 644 |
| Return on assets (ROA) | 1.7947% | 641 |
| Pretax return on assets | 1.7947% | 961 |
| Return on Equity (ROE) | 20.8900% | 374 |
| Retained earnings to average equity (ytd only) | 7.1451% | 1,931 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.6057% | 3,541 |
| Assets per employee ($millions) | 6.1868% | 2,812 |
| Cash dividends to net income (ytd only)* | 65.7895% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 785 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 43.2400% | 3,864 |
| Net loans and leases to deposits | 46.9140% | 3,975 |
| Net loans and leases to core deposits | 52.0941% | 3,931 |
| Total domestic deposits to total assets | 92.1700% | 247 |
| Equity capital to assets | 7.7647% | 3,712 |
| Core capital (leverage) ratio | 9.8651% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $169,391,000 | 3,234 |
| Average earning assets | $159,050,500 | 3,214 |
| Average equity | $14,555,500 | 3,411 |
| Average total loans | $81,640,000 | 3,423 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 3,652 |
| Cost of funding earning assets | 0.6681% | 4,246 |
| Net interest margin | 3.9970% | 1,186 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 2.8353% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.2263% | 1,439 |
| Return on assets (ROA) | 1.2326% | 1,441 |
| Pretax return on assets | 1.2326% | 1,919 |
| Return on Equity (ROE) | 12.8400% | 1,393 |
| Retained earnings to average equity (ytd only) | 9.1454% | 756 |
| Net charge-offs to loans | 0.0053% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 434.2500% | 287 |
| Efficiency ratio | 69.7229% | 2,026 |
| Assets per employee ($millions) | 5.0687% | 3,589 |
| Cash dividends to net income (ytd only)* | 28.7522% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 603 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 52.8100% | 3,475 |
| Net loans and leases to deposits | 58.5216% | 3,596 |
| Net loans and leases to core deposits | 68.3598% | 3,425 |
| Total domestic deposits to total assets | 90.2400% | 742 |
| Equity capital to assets | 9.6734% | 2,322 |
| Core capital (leverage) ratio | 11.4742% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $141,078,800 | 3,440 |
| Average earning assets | $132,022,800 | 3,417 |
| Average equity | $13,547,800 | 3,467 |
| Average total loans | $75,285,600 | 3,489 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 3,652 |
| Cost of funding earning assets | 0.6237% | 4,297 |
| Net interest margin | 4.0108% | 1,128 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.8213% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3400% | 1,233 |
| Return on assets (ROA) | 1.3457% | 1,219 |
| Pretax return on assets | 1.3457% | 1,650 |
| Return on Equity (ROE) | 14.0400% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.0581% | 1,102 |
| Net charge-offs to loans | 0.0054% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 469.0000% | 251 |
| Efficiency ratio | 67.7368% | 2,292 |
| Assets per employee ($millions) | 4.5413% | 3,915 |
| Cash dividends to net income (ytd only)* | 35.4862% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 499 |
| Loan loss allowance to noncurrent loans | 45,466.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,814 |
| Noncurrent loans to loans | 0.0041% | 3,777 |
| Net loans and leases to total assets | 53.0000% | 3,488 |
| Net loans and leases to deposits | 59.4405% | 3,617 |
| Net loans and leases to core deposits | 70.3130% | 3,374 |
| Total domestic deposits to total assets | 89.1600% | 849 |
| Equity capital to assets | 10.6694% | 1,895 |
| Core capital (leverage) ratio | 11.2287% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $139,600,750 | 3,456 |
| Average earning assets | $131,043,250 | 3,432 |
| Average equity | $13,380,000 | 3,491 |
| Average total loans | $74,359,750 | 3,515 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 3,720 |
| Cost of funding earning assets | 0.6024% | 4,304 |
| Net interest margin | 3.9363% | 1,208 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 2.8127% | 1,434 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 1.3104% | 1,245 |
| Return on assets (ROA) | 1.3132% | 1,251 |
| Pretax return on assets | 1.3132% | 1,666 |
| Return on Equity (ROE) | 14.2200% | 1,123 |
| Retained earnings to average equity (ytd only) | 8.4496% | 1,244 |
| Net charge-offs to loans | 0.0107% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 452 |
| Efficiency ratio | 68.3592% | 2,292 |
| Assets per employee ($millions) | 4.7926% | 3,746 |
| Cash dividends to net income (ytd only)* | 40.5844% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 521 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 50.5200% | 3,612 |
| Net loans and leases to deposits | 55.7523% | 3,756 |
| Net loans and leases to core deposits | 64.7651% | 3,595 |
| Total domestic deposits to total assets | 90.6200% | 540 |
| Equity capital to assets | 9.2650% | 2,558 |
| Core capital (leverage) ratio | 10.9631% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $140,721,000 | 3,456 |
| Average earning assets | $131,798,000 | 3,430 |
| Average equity | $12,994,667 | 3,508 |
| Average total loans | $74,624,000 | 3,513 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 3,788 |
| Cost of funding earning assets | 0.5336% | 4,341 |
| Net interest margin | 3.8957% | 1,228 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 2.8996% | 1,229 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 1.1322% | 1,584 |
| Return on assets (ROA) | 1.1322% | 1,595 |
| Pretax return on assets | 1.1322% | 2,052 |
| Return on Equity (ROE) | 12.2800% | 1,491 |
| Retained earnings to average equity (ytd only) | 12.2823% | 693 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.1229% | 1,934 |
| Assets per employee ($millions) | 4.2875% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 573 |
| Loan loss allowance to noncurrent loans | 2,398.2456% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,411 |
| Noncurrent loans to loans | 0.0740% | 3,258 |
| Net loans and leases to total assets | 55.1500% | 3,259 |
| Net loans and leases to deposits | 60.9912% | 3,461 |
| Net loans and leases to core deposits | 71.0601% | 3,269 |
| Total domestic deposits to total assets | 90.4200% | 666 |
| Equity capital to assets | 9.4817% | 2,333 |
| Core capital (leverage) ratio | 10.9247% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $139,193,000 | 3,480 |
| Average earning assets | $129,681,000 | 3,466 |
| Average equity | $12,831,500 | 3,526 |
| Average total loans | $74,935,500 | 3,509 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,215 |
| Cost of funding earning assets | 0.3591% | 4,329 |
| Net interest margin | 3.4069% | 2,396 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.7733% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8145% | 2,823 |
| Return on assets (ROA) | 0.8294% | 2,756 |
| Pretax return on assets | 0.8294% | 3,140 |
| Return on Equity (ROE) | 9.8700% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.1037% | 1,505 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.2492% | 1,135 |
| Assets per employee ($millions) | 4.8684% | 3,729 |
| Cash dividends to net income (ytd only)* | 17.9051% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 464 |
| Loan loss allowance to noncurrent loans | 2,908.5106% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,419 |
| Noncurrent loans to loans | 0.0645% | 3,252 |
| Net loans and leases to total assets | 50.6300% | 3,556 |
| Net loans and leases to deposits | 55.6572% | 3,728 |
| Net loans and leases to core deposits | 63.3273% | 3,623 |
| Total domestic deposits to total assets | 90.9600% | 514 |
| Equity capital to assets | 8.9627% | 2,700 |
| Core capital (leverage) ratio | 11.1601% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $134,677,400 | 3,506 |
| Average earning assets | $125,040,200 | 3,488 |
| Average equity | $11,315,800 | 3,587 |
| Average total loans | $68,325,400 | 3,576 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 4,225 |
| Cost of funding earning assets | 0.3284% | 4,333 |
| Net interest margin | 3.3576% | 2,551 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.7718% | 1,495 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7887% | 3,057 |
| Return on assets (ROA) | 0.8007% | 3,020 |
| Pretax return on assets | 0.8007% | 3,332 |
| Return on Equity (ROE) | 9.7000% | 2,735 |
| Retained earnings to average equity (ytd only) | 7.2728% | 2,207 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.7403% | 1,029 |
| Assets per employee ($millions) | 4.3386% | 4,031 |
| Cash dividends to net income (ytd only)* | 25.0313% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 441 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.1400% | 3,275 |
| Net loans and leases to deposits | 60.4955% | 3,481 |
| Net loans and leases to core deposits | 68.4567% | 3,297 |
| Total domestic deposits to total assets | 91.1400% | 637 |
| Equity capital to assets | 8.7467% | 2,576 |
| Core capital (leverage) ratio | 10.8118% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $133,050,500 | 3,531 |
| Average earning assets | $123,817,000 | 3,510 |
| Average equity | $10,981,250 | 3,616 |
| Average total loans | $67,196,250 | 3,599 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 4,319 |
| Cost of funding earning assets | 0.2947% | 4,322 |
| Net interest margin | 3.2338% | 2,901 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.6546% | 1,773 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8017% | 3,073 |
| Return on assets (ROA) | 0.8150% | 3,046 |
| Pretax return on assets | 0.8150% | 3,374 |
| Return on Equity (ROE) | 10.0600% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.4156% | 2,470 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.6738% | 1,113 |
| Assets per employee ($millions) | 4.9127% | 3,665 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 383 |
| Loan loss allowance to noncurrent loans | 10,515.3846% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,752 |
| Noncurrent loans to loans | 0.0195% | 3,621 |
| Net loans and leases to total assets | 49.2500% | 3,603 |
| Net loans and leases to deposits | 53.8489% | 3,752 |
| Net loans and leases to core deposits | 59.9105% | 3,639 |
| Total domestic deposits to total assets | 91.4600% | 515 |
| Equity capital to assets | 8.4504% | 2,901 |
| Core capital (leverage) ratio | 10.4970% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $135,461,000 | 3,513 |
| Average earning assets | $126,229,667 | 3,499 |
| Average equity | $10,973,333 | 3,635 |
| Average total loans | $66,015,333 | 3,622 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3098% | 4,429 |
| Cost of funding earning assets | 0.2688% | 4,261 |
| Net interest margin | 3.0411% | 3,490 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.6624% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5524% | 3,789 |
| Return on assets (ROA) | 0.5640% | 3,731 |
| Pretax return on assets | 0.5640% | 3,899 |
| Return on Equity (ROE) | 7.1100% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.1116% | 2,463 |
| Net charge-offs to loans | 0.0061% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 523 |
| Efficiency ratio | 82.8182% | 657 |
| Assets per employee ($millions) | 4.8232% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 383 |
| Loan loss allowance to noncurrent loans | 9,757.1429% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,761 |
| Noncurrent loans to loans | 0.0214% | 3,622 |
| Net loans and leases to total assets | 47.4600% | 3,671 |
| Net loans and leases to deposits | 51.7875% | 3,803 |
| Net loans and leases to core deposits | 57.1667% | 3,683 |
| Total domestic deposits to total assets | 91.6500% | 609 |
| Equity capital to assets | 8.2785% | 3,054 |
| Core capital (leverage) ratio | 10.3582% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $136,869,500 | 3,546 |
| Average earning assets | $127,982,000 | 3,531 |
| Average equity | $10,855,500 | 3,688 |
| Average total loans | $65,674,500 | 3,669 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5929% | 4,465 |
| Cost of funding earning assets | 0.1780% | 3,929 |
| Net interest margin | 2.4149% | 4,353 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3683% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3319% | 4,340 |
| Return on assets (ROA) | 0.3334% | 4,303 |
| Pretax return on assets | 0.3334% | 4,348 |
| Return on Equity (ROE) | 4.0200% | 4,160 |
| Retained earnings to average equity (ytd only) | 2.2554% | 3,928 |
| Net charge-offs to loans | 0.0033% | 2,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 226.5000% | 591 |
| Efficiency ratio | 87.7069% | 368 |
| Assets per employee ($millions) | 5.3342% | 3,382 |
| Cash dividends to net income (ytd only)* | 43.9560% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 433 |
| Loan loss allowance to noncurrent loans | 8,773.3333% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,778 |
| Noncurrent loans to loans | 0.0228% | 3,635 |
| Net loans and leases to total assets | 46.5500% | 3,767 |
| Net loans and leases to deposits | 50.3942% | 3,881 |
| Net loans and leases to core deposits | 55.5794% | 3,740 |
| Total domestic deposits to total assets | 92.3800% | 548 |
| Equity capital to assets | 7.5932% | 3,329 |
| Core capital (leverage) ratio | 10.2952% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $136,468,800 | 3,569 |
| Average earning assets | $128,082,200 | 3,546 |
| Average equity | $11,306,200 | 3,735 |
| Average total loans | $60,439,000 | 3,721 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4570% | 4,465 |
| Cost of funding earning assets | 0.1704% | 3,626 |
| Net interest margin | 2.2867% | 4,412 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.3877% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2090% | 4,469 |
| Return on assets (ROA) | 0.2080% | 4,438 |
| Pretax return on assets | 0.2080% | 4,455 |
| Return on Equity (ROE) | 2.4600% | 4,362 |
| Retained earnings to average equity (ytd only) | 0.1391% | 4,315 |
| Net charge-offs to loans | 0.0045% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 920 |
| Efficiency ratio | 91.9532% | 276 |
| Assets per employee ($millions) | 4.5804% | 3,995 |
| Cash dividends to net income (ytd only)* | 94.3396% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1143% | 400 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.5100% | 3,670 |
| Net loans and leases to deposits | 51.4643% | 3,765 |
| Net loans and leases to core deposits | 57.2355% | 3,547 |
| Total domestic deposits to total assets | 92.3100% | 776 |
| Equity capital to assets | 7.6101% | 3,148 |
| Core capital (leverage) ratio | 10.0195% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $135,913,500 | 3,601 |
| Average earning assets | $127,577,250 | 3,578 |
| Average equity | $11,500,000 | 3,764 |
| Average total loans | $59,078,250 | 3,760 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2936% | 4,526 |
| Cost of funding earning assets | 0.1671% | 3,354 |
| Net interest margin | 2.1265% | 4,497 |
| Noninterest income to average assets | 0.4564% | 2,412 |
| Noninterest expense to average assets | 2.2966% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1632% | 4,466 |
| Return on assets (ROA) | 0.1560% | 4,434 |
| Pretax return on assets | 0.1560% | 4,447 |
| Return on Equity (ROE) | 1.7881% | 4,373 |
| Retained earnings to average equity (ytd only) | -1.5232% | 4,345 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3647% | 307 |
| Assets per employee ($millions) | 4.7702% | 3,871 |
| Cash dividends to net income (ytd only)* | 185.1852% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2108% | 379 |
| Loan loss allowance to noncurrent loans | 6,931.5789% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,880 |
| Noncurrent loans to loans | 0.0319% | 3,711 |
| Net loans and leases to total assets | 43.6147% | 3,862 |
| Net loans and leases to deposits | 47.4957% | 3,950 |
| Net loans and leases to core deposits | 52.6100% | 3,781 |
| Total domestic deposits to total assets | 91.8287% | 916 |
| Equity capital to assets | 8.1166% | 3,032 |
| Core capital (leverage) ratio | 9.7703% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,468,000 | 3,615 |
| Average earning assets | $130,449,000 | 3,591 |
| Average equity | $12,080,000 | 3,775 |
| Average total loans | $58,023,667 | 3,822 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0926% | 4,583 |
| Cost of funding earning assets | 0.1693% | 3,230 |
| Net interest margin | 1.9233% | 4,566 |
| Noninterest income to average assets | 0.3974% | 2,707 |
| Noninterest expense to average assets | 2.2935% | 2,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0908% | 4,589 |
| Return on assets (ROA) | -0.0965% | 4,574 |
| Pretax return on assets | -0.0965% | 4,566 |
| Return on Equity (ROE) | -1.0709% | 4,593 |
| Retained earnings to average equity (ytd only) | -7.3704% | 4,505 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1237% | 188 |
| Assets per employee ($millions) | 4.7564% | 3,957 |
| Cash dividends to net income (ytd only)* | -588.2353% | 4,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 41.4398% | 3,920 |
| Net loans and leases to deposits | 45.2519% | 4,009 |
| Net loans and leases to core deposits | 51.5489% | 3,766 |
| Total domestic deposits to total assets | 91.5757% | 765 |
| Equity capital to assets | 8.4119% | 3,229 |
| Core capital (leverage) ratio | 9.5889% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,919,500 | 3,607 |
| Average earning assets | $132,274,000 | 3,591 |
| Average equity | $12,699,500 | 3,790 |
| Average total loans | $57,250,000 | 3,843 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3277% | 4,573 |
| Cost of funding earning assets | 0.1894% | 3,561 |
| Net interest margin | 2.1383% | 4,519 |
| Noninterest income to average assets | 0.4504% | 2,817 |
| Noninterest expense to average assets | 2.3251% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1327% | 4,598 |
| Return on assets (ROA) | 0.3214% | 4,420 |
| Pretax return on assets | 0.3214% | 4,475 |
| Return on Equity (ROE) | 3.1085% | 4,342 |
| Retained earnings to average equity (ytd only) | 0.9939% | 4,264 |
| Net charge-offs to loans | 0.0037% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 921 |
| Efficiency ratio | 94.6026% | 219 |
| Assets per employee ($millions) | 5.1394% | 3,608 |
| Cash dividends to net income (ytd only)* | 68.0272% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3581% | 353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 38.0101% | 4,192 |
| Net loans and leases to deposits | 42.0492% | 4,270 |
| Net loans and leases to core deposits | 47.9105% | 4,098 |
| Total domestic deposits to total assets | 90.3943% | 764 |
| Equity capital to assets | 9.5869% | 3,054 |
| Core capital (leverage) ratio | 10.0636% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,196,800 | 3,608 |
| Average earning assets | $128,796,600 | 3,592 |
| Average equity | $14,186,800 | 3,723 |
| Average total loans | $53,433,200 | 3,941 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4057% | 4,629 |
| Cost of funding earning assets | 0.1968% | 3,631 |
| Net interest margin | 2.2089% | 4,566 |
| Noninterest income to average assets | 0.4595% | 2,800 |
| Noninterest expense to average assets | 2.3642% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1712% | 4,652 |
| Return on assets (ROA) | 0.4221% | 4,369 |
| Pretax return on assets | 0.4221% | 4,465 |
| Return on Equity (ROE) | 4.0042% | 4,301 |
| Retained earnings to average equity (ytd only) | 1.2041% | 4,371 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2480% | 244 |
| Assets per employee ($millions) | 4.8418% | 3,848 |
| Cash dividends to net income (ytd only)* | 69.9301% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3824% | 344 |
| Loan loss allowance to noncurrent loans | 4,725.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,055 |
| Noncurrent loans to loans | 0.0504% | 3,859 |
| Net loans and leases to total assets | 39.9864% | 4,209 |
| Net loans and leases to deposits | 44.6566% | 4,287 |
| Net loans and leases to core deposits | 51.2653% | 4,069 |
| Total domestic deposits to total assets | 89.5420% | 987 |
| Equity capital to assets | 10.3805% | 2,544 |
| Core capital (leverage) ratio | 10.0935% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,520,000 | 3,663 |
| Average earning assets | $127,359,750 | 3,641 |
| Average equity | $14,284,500 | 3,751 |
| Average total loans | $52,786,750 | 4,004 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5338% | 4,592 |
| Cost of funding earning assets | 0.2042% | 3,706 |
| Net interest margin | 2.3296% | 4,490 |
| Noninterest income to average assets | 0.4708% | 2,750 |
| Noninterest expense to average assets | 2.3143% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3454% | 4,471 |
| Return on assets (ROA) | 0.7159% | 3,786 |
| Pretax return on assets | 0.7159% | 4,032 |
| Return on Equity (ROE) | 6.7572% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.5775% | 3,975 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0144% | 435 |
| Assets per employee ($millions) | 4.9230% | 3,722 |
| Cash dividends to net income (ytd only)* | 61.8557% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3828% | 320 |
| Loan loss allowance to noncurrent loans | 4,725.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,144 |
| Noncurrent loans to loans | 0.0504% | 3,925 |
| Net loans and leases to total assets | 39.3198% | 4,317 |
| Net loans and leases to deposits | 43.8966% | 4,383 |
| Net loans and leases to core deposits | 50.2606% | 4,228 |
| Total domestic deposits to total assets | 89.5737% | 989 |
| Equity capital to assets | 10.3624% | 2,527 |
| Core capital (leverage) ratio | 10.1874% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,503,000 | 3,681 |
| Average earning assets | $127,317,667 | 3,655 |
| Average equity | $14,355,000 | 3,757 |
| Average total loans | $51,871,333 | 4,043 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5548% | 4,609 |
| Cost of funding earning assets | 0.2158% | 3,766 |
| Net interest margin | 2.3390% | 4,477 |
| Noninterest income to average assets | 0.3931% | 3,121 |
| Noninterest expense to average assets | 2.2750% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3127% | 4,498 |
| Return on assets (ROA) | 1.0511% | 2,710 |
| Pretax return on assets | 1.0511% | 3,231 |
| Return on Equity (ROE) | 9.8120% | 2,754 |
| Retained earnings to average equity (ytd only) | 1.4732% | 4,128 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9171% | 450 |
| Assets per employee ($millions) | 5.0044% | 3,651 |
| Cash dividends to net income (ytd only)* | 84.9858% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5200% | 254 |
| Loan loss allowance to noncurrent loans | 4,725.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,225 |
| Noncurrent loans to loans | 0.0533% | 4,022 |
| Net loans and leases to total assets | 37.8758% | 4,425 |
| Net loans and leases to deposits | 42.3283% | 4,483 |
| Net loans and leases to core deposits | 49.2006% | 4,333 |
| Total domestic deposits to total assets | 89.4810% | 1,072 |
| Equity capital to assets | 10.4760% | 2,291 |
| Core capital (leverage) ratio | 10.2074% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,332,500 | 3,694 |
| Average earning assets | $126,039,000 | 3,672 |
| Average equity | $14,390,500 | 3,756 |
| Average total loans | $50,045,500 | 4,104 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7249% | 4,787 |
| Cost of funding earning assets | 0.3062% | 4,105 |
| Net interest margin | 2.4187% | 4,644 |
| Noninterest income to average assets | 0.4627% | 2,804 |
| Noninterest expense to average assets | 2.3494% | 3,273 |
| Loan and lease loss provision to assets | -0.2461% | 4,987 |
| Net operating income to assets | 0.6210% | 3,678 |
| Return on assets (ROA) | 0.9549% | 2,608 |
| Pretax return on assets | 0.9549% | 3,201 |
| Return on Equity (ROE) | 8.4018% | 2,649 |
| Retained earnings to average equity (ytd only) | 7.3191% | 1,274 |
| Net charge-offs to loans | -0.9161% | 4,960 |
| Credit loss provision to net charge-offs | 75.3769% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2391% | 523 |
| Assets per employee ($millions) | 5.1364% | 3,246 |
| Cash dividends to net income (ytd only)* | 12.8866% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7799% | 190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 34.6455% | 4,623 |
| Net loans and leases to deposits | 38.9173% | 4,684 |
| Net loans and leases to core deposits | 45.3492% | 4,560 |
| Total domestic deposits to total assets | 89.0233% | 977 |
| Equity capital to assets | 10.9519% | 2,295 |
| Core capital (leverage) ratio | 10.9529% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,903,800 | 3,723 |
| Average earning assets | $113,985,400 | 3,710 |
| Average equity | $13,854,200 | 3,780 |
| Average total loans | $43,445,200 | 4,247 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 4,808 |
| Cost of funding earning assets | 0.3308% | 4,152 |
| Net interest margin | 2.5302% | 4,634 |
| Noninterest income to average assets | 0.4874% | 2,665 |
| Noninterest expense to average assets | 2.4001% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4527% | 4,162 |
| Return on assets (ROA) | 0.6376% | 3,763 |
| Pretax return on assets | 0.6376% | 4,031 |
| Return on Equity (ROE) | 5.5533% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.0893% | 3,003 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1320% | 593 |
| Assets per employee ($millions) | 4.8868% | 3,393 |
| Cash dividends to net income (ytd only)* | 26.3620% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7433% | 180 |
| Loan loss allowance to noncurrent loans | 342.1788% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 2,986 |
| Noncurrent loans to loans | 0.8017% | 1,819 |
| Net loans and leases to total assets | 35.5485% | 4,694 |
| Net loans and leases to deposits | 40.2540% | 4,741 |
| Net loans and leases to core deposits | 48.0022% | 4,623 |
| Total domestic deposits to total assets | 88.3106% | 1,055 |
| Equity capital to assets | 11.6100% | 1,933 |
| Core capital (leverage) ratio | 10.3116% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,993,000 | 3,751 |
| Average earning assets | $111,240,250 | 3,732 |
| Average equity | $13,661,250 | 3,797 |
| Average total loans | $42,408,750 | 4,292 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0477% | 4,817 |
| Cost of funding earning assets | 0.3489% | 4,272 |
| Net interest margin | 2.6987% | 4,552 |
| Noninterest income to average assets | 0.4748% | 2,685 |
| Noninterest expense to average assets | 2.4488% | 3,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5444% | 3,899 |
| Return on assets (ROA) | 0.8208% | 3,087 |
| Pretax return on assets | 0.8208% | 3,531 |
| Return on Equity (ROE) | 7.1773% | 3,062 |
| Retained earnings to average equity (ytd only) | 4.9529% | 2,498 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8130% | 764 |
| Assets per employee ($millions) | 4.6048% | 3,644 |
| Cash dividends to net income (ytd only)* | 30.9917% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8422% | 159 |
| Loan loss allowance to noncurrent loans | 336.5385% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 3,143 |
| Noncurrent loans to loans | 0.8445% | 1,804 |
| Net loans and leases to total assets | 33.6813% | 4,789 |
| Net loans and leases to deposits | 38.0069% | 4,835 |
| Net loans and leases to core deposits | 45.2733% | 4,731 |
| Total domestic deposits to total assets | 88.6190% | 899 |
| Equity capital to assets | 11.3110% | 2,117 |
| Core capital (leverage) ratio | 10.7155% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,933,667 | 3,751 |
| Average earning assets | $110,051,333 | 3,743 |
| Average equity | $13,487,000 | 3,825 |
| Average total loans | $41,660,000 | 4,316 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0107% | 4,950 |
| Cost of funding earning assets | 0.3810% | 4,422 |
| Net interest margin | 2.6297% | 4,733 |
| Noninterest income to average assets | 0.4532% | 2,775 |
| Noninterest expense to average assets | 2.4613% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4462% | 4,031 |
| Return on assets (ROA) | 0.8576% | 2,772 |
| Pretax return on assets | 0.8576% | 3,260 |
| Return on Equity (ROE) | 7.4551% | 2,758 |
| Retained earnings to average equity (ytd only) | 7.4551% | 1,392 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6523% | 789 |
| Assets per employee ($millions) | 3.7910% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9113% | 163 |
| Loan loss allowance to noncurrent loans | 331.9783% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 3,149 |
| Noncurrent loans to loans | 0.8770% | 1,855 |
| Net loans and leases to total assets | 35.9198% | 4,778 |
| Net loans and leases to deposits | 40.8504% | 4,824 |
| Net loans and leases to core deposits | 47.8562% | 4,730 |
| Total domestic deposits to total assets | 87.9303% | 1,139 |
| Equity capital to assets | 12.0011% | 2,068 |
| Core capital (leverage) ratio | 11.2434% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,735,500 | 3,780 |
| Average earning assets | $107,085,500 | 3,765 |
| Average equity | $13,199,000 | 3,861 |
| Average total loans | $40,939,500 | 4,353 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2790% | 4,973 |
| Cost of funding earning assets | 0.3425% | 4,620 |
| Net interest margin | 2.9365% | 4,610 |
| Noninterest income to average assets | 0.5220% | 2,613 |
| Noninterest expense to average assets | 2.8573% | 2,422 |
| Loan and lease loss provision to assets | -0.2343% | 5,132 |
| Net operating income to assets | 0.6466% | 4,020 |
| Return on assets (ROA) | 0.6466% | 4,094 |
| Pretax return on assets | 0.6466% | 4,334 |
| Return on Equity (ROE) | 5.6103% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.3907% | 2,773 |
| Net charge-offs to loans | 0.0026% | 3,599 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,721 |
| Earnings coverage of net charge-offs (x) | 440.0000% | 213 |
| Efficiency ratio | 87.3889% | 473 |
| Assets per employee ($millions) | 3.8580% | 4,088 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0777% | 119 |
| Loan loss allowance to noncurrent loans | 322.3684% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,089 |
| Noncurrent loans to loans | 0.9547% | 1,602 |
| Net loans and leases to total assets | 33.3307% | 4,911 |
| Net loans and leases to deposits | 37.4734% | 4,949 |
| Net loans and leases to core deposits | 43.1843% | 4,889 |
| Total domestic deposits to total assets | 88.9450% | 692 |
| Equity capital to assets | 11.0152% | 2,980 |
| Core capital (leverage) ratio | 11.9908% | 1,786 |
| Tier 1 risk-based capital ratio | 28.2037% | 547 |
| Total risk-based capital ratio | 29.4728% | 537 |
| Memoranda: | ||
| Average total assets | $106,709,000 | 3,885 |
| Average earning assets | $99,848,200 | 3,876 |
| Average equity | $12,298,800 | 3,961 |
| Average total loans | $38,563,400 | 4,437 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 5,040 |
| Cost of funding earning assets | 0.3311% | 4,719 |
| Net interest margin | 3.0343% | 4,579 |
| Noninterest income to average assets | 0.5463% | 2,480 |
| Noninterest expense to average assets | 2.8261% | 2,489 |
| Loan and lease loss provision to assets | -0.3191% | 5,232 |
| Net operating income to assets | 0.8935% | 3,369 |
| Return on assets (ROA) | 0.8935% | 3,443 |
| Pretax return on assets | 0.8935% | 3,889 |
| Return on Equity (ROE) | 7.6587% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.0176% | 2,365 |
| Net charge-offs to loans | 0.0139% | 2,882 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,653 |
| Earnings coverage of net charge-offs (x) | 112.5685% | 687 |
| Efficiency ratio | 83.1081% | 683 |
| Assets per employee ($millions) | 3.5172% | 4,482 |
| Cash dividends to net income (ytd only)* | 21.4291% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3373% | 100 |
| Loan loss allowance to noncurrent loans | 312.5320% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 2,952 |
| Noncurrent loans to loans | 1.0678% | 1,494 |
| Net loans and leases to total assets | 34.7007% | 4,975 |
| Net loans and leases to deposits | 39.7186% | 5,002 |
| Net loans and leases to core deposits | 46.6502% | 4,907 |
| Total domestic deposits to total assets | 87.3664% | 1,332 |
| Equity capital to assets | 12.5189% | 1,905 |
| Core capital (leverage) ratio | 11.9506% | 1,886 |
| Tier 1 risk-based capital ratio | 33.9675% | 372 |
| Total risk-based capital ratio | 35.2465% | 369 |
| Memoranda: | ||
| Average total assets | $104,451,250 | 3,970 |
| Average earning assets | $98,252,500 | 3,935 |
| Average equity | $12,186,250 | 4,009 |
| Average total loans | $38,253,750 | 4,502 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 5,098 |
| Cost of funding earning assets | 0.3166% | 4,782 |
| Net interest margin | 3.0443% | 4,613 |
| Noninterest income to average assets | 0.5396% | 2,443 |
| Noninterest expense to average assets | 2.8175% | 2,526 |
| Loan and lease loss provision to assets | -0.4750% | 5,292 |
| Net operating income to assets | 1.0468% | 2,734 |
| Return on assets (ROA) | 1.0468% | 2,809 |
| Pretax return on assets | 1.0468% | 3,397 |
| Return on Equity (ROE) | 9.1895% | 2,778 |
| Retained earnings to average equity (ytd only) | 6.6878% | 1,958 |
| Net charge-offs to loans | -0.0052% | 4,129 |
| Credit loss provision to net charge-offs | 25,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1278% | 721 |
| Assets per employee ($millions) | 3.3697% | 4,643 |
| Cash dividends to net income (ytd only)* | 27.2232% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2125% | 105 |
| Loan loss allowance to noncurrent loans | 300.7353% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 2,784 |
| Noncurrent loans to loans | 1.0682% | 1,534 |
| Net loans and leases to total assets | 35.3880% | 4,996 |
| Net loans and leases to deposits | 40.2401% | 5,046 |
| Net loans and leases to core deposits | 43.4492% | 5,007 |
| Total domestic deposits to total assets | 87.9420% | 1,127 |
| Equity capital to assets | 11.9785% | 2,197 |
| Core capital (leverage) ratio | 11.8962% | 1,891 |
| Tier 1 risk-based capital ratio | 31.5959% | 432 |
| Total risk-based capital ratio | 32.8685% | 420 |
| Memoranda: | ||
| Average total assets | $105,269,000 | 3,971 |
| Average earning assets | $98,544,000 | 3,954 |
| Average equity | $11,992,000 | 4,050 |
| Average total loans | $38,799,670 | 4,522 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,126 |
| Cost of funding earning assets | 0.3339% | 4,730 |
| Net interest margin | 3.0462% | 4,680 |
| Noninterest income to average assets | 0.4807% | 2,673 |
| Noninterest expense to average assets | 2.7216% | 2,842 |
| Loan and lease loss provision to assets | -0.9463% | 5,356 |
| Net operating income to assets | 1.5368% | 1,038 |
| Return on assets (ROA) | 1.5368% | 1,062 |
| Pretax return on assets | 1.5368% | 1,655 |
| Return on Equity (ROE) | 13.8431% | 1,000 |
| Retained earnings to average equity (ytd only) | 13.8431% | 367 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1714% | 857 |
| Assets per employee ($millions) | 3.4572% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1281% | 116 |
| Loan loss allowance to noncurrent loans | 297.5728% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 2,799 |
| Noncurrent loans to loans | 1.0512% | 1,588 |
| Net loans and leases to total assets | 36.6070% | 4,998 |
| Net loans and leases to deposits | 41.4523% | 5,052 |
| Net loans and leases to core deposits | 45.8052% | 4,994 |
| Total domestic deposits to total assets | 88.3112% | 1,179 |
| Equity capital to assets | 11.6299% | 2,292 |
| Core capital (leverage) ratio | 11.5340% | 2,116 |
| Tier 1 risk-based capital ratio | 30.6890% | 452 |
| Total risk-based capital ratio | 31.9621% | 441 |
| Memoranda: | ||
| Average total assets | $105,672,500 | 4,009 |
| Average earning assets | $98,220,000 | 4,001 |
| Average equity | $11,731,500 | 4,098 |
| Average total loans | $39,102,500 | 4,569 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1072% | 5,187 |
| Cost of funding earning assets | 0.2927% | 4,606 |
| Net interest margin | 2.8145% | 5,010 |
| Noninterest income to average assets | 0.6345% | 2,132 |
| Noninterest expense to average assets | 2.7645% | 2,809 |
| Loan and lease loss provision to assets | -0.4940% | 5,383 |
| Net operating income to assets | 0.9812% | 3,095 |
| Return on assets (ROA) | 0.9812% | 3,091 |
| Pretax return on assets | 0.9812% | 3,673 |
| Return on Equity (ROE) | 9.2557% | 2,855 |
| Retained earnings to average equity (ytd only) | 9.2557% | 793 |
| Net charge-offs to loans | 0.0177% | 3,102 |
| Credit loss provision to net charge-offs | -7,285.7143% | 4,953 |
| Earnings coverage of net charge-offs (x) | 71.8571% | 918 |
| Efficiency ratio | 85.0164% | 581 |
| Assets per employee ($millions) | 3.5877% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7835% | 67 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,594 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 34.8750% | 5,101 |
| Net loans and leases to deposits | 39.0195% | 5,137 |
| Net loans and leases to core deposits | 43.3897% | 5,088 |
| Total domestic deposits to total assets | 89.3784% | 702 |
| Equity capital to assets | 10.5928% | 3,088 |
| Core capital (leverage) ratio | 12.0112% | 1,727 |
| Tier 1 risk-based capital ratio | 28.5464% | 536 |
| Total risk-based capital ratio | 29.8221% | 527 |
| Memoranda: | ||
| Average total assets | $103,238,200 | 4,050 |
| Average earning assets | $96,002,800 | 4,034 |
| Average equity | $10,944,600 | 4,166 |
| Average total loans | $39,516,600 | 4,566 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0905% | 5,252 |
| Cost of funding earning assets | 0.2987% | 4,531 |
| Net interest margin | 2.7918% | 5,096 |
| Noninterest income to average assets | 0.6657% | 1,999 |
| Noninterest expense to average assets | 2.7243% | 2,903 |
| Loan and lease loss provision to assets | -0.6657% | 5,462 |
| Net operating income to assets | 1.2179% | 2,165 |
| Return on assets (ROA) | 1.2179% | 2,164 |
| Pretax return on assets | 1.2179% | 2,922 |
| Return on Equity (ROE) | 11.4858% | 1,986 |
| Retained earnings to average equity (ytd only) | 11.4858% | 557 |
| Net charge-offs to loans | 0.0202% | 2,735 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,896 |
| Earnings coverage of net charge-offs (x) | 70.4988% | 950 |
| Efficiency ratio | 83.1474% | 694 |
| Assets per employee ($millions) | 3.2043% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8190% | 71 |
| Loan loss allowance to noncurrent loans | 302.2495% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,634 |
| Noncurrent loans to loans | 1.2635% | 1,335 |
| Net loans and leases to total assets | 37.4726% | 5,095 |
| Net loans and leases to deposits | 42.1910% | 5,150 |
| Net loans and leases to core deposits | 47.7090% | 5,076 |
| Total domestic deposits to total assets | 88.8165% | 908 |
| Equity capital to assets | 11.0838% | 2,590 |
| Core capital (leverage) ratio | 11.5676% | 2,120 |
| Tier 1 risk-based capital ratio | 30.6608% | 450 |
| Total risk-based capital ratio | 31.9428% | 440 |
| Memoranda: | ||
| Average total assets | $102,140,250 | 4,105 |
| Average earning assets | $95,514,750 | 4,086 |
| Average equity | $10,830,500 | 4,224 |
| Average total loans | $39,642,750 | 4,605 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0273% | 5,324 |
| Cost of funding earning assets | 0.2835% | 4,541 |
| Net interest margin | 2.7437% | 5,177 |
| Noninterest income to average assets | 0.6791% | 1,961 |
| Noninterest expense to average assets | 2.7067% | 2,994 |
| Loan and lease loss provision to assets | -0.6015% | 5,520 |
| Net operating income to assets | 1.1273% | 2,489 |
| Return on assets (ROA) | 1.1273% | 2,494 |
| Pretax return on assets | 1.1273% | 3,201 |
| Return on Equity (ROE) | 10.7886% | 2,197 |
| Retained earnings to average equity (ytd only) | 10.7886% | 713 |
| Net charge-offs to loans | 0.0250% | 2,358 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,772 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 1,069 |
| Efficiency ratio | 83.7335% | 703 |
| Assets per employee ($millions) | 3.4890% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2650% | 49 |
| Loan loss allowance to noncurrent loans | 342.9448% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 2,721 |
| Noncurrent loans to loans | 1.2436% | 1,393 |
| Net loans and leases to total assets | 35.9638% | 5,180 |
| Net loans and leases to deposits | 40.1307% | 5,241 |
| Net loans and leases to core deposits | 44.8874% | 5,176 |
| Total domestic deposits to total assets | 89.6168% | 701 |
| Equity capital to assets | 10.3030% | 3,339 |
| Core capital (leverage) ratio | 11.0457% | 2,483 |
| Tier 1 risk-based capital ratio | 28.9585% | 518 |
| Total risk-based capital ratio | 30.2460% | 510 |
| Memoranda: | ||
| Average total assets | $103,075,670 | 4,128 |
| Average earning assets | $95,928,330 | 4,114 |
| Average equity | $10,770,670 | 4,266 |
| Average total loans | $39,956,670 | 4,640 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 5,363 |
| Cost of funding earning assets | 0.2670% | 4,603 |
| Net interest margin | 2.7463% | 5,215 |
| Noninterest income to average assets | 0.5593% | 2,472 |
| Noninterest expense to average assets | 2.6281% | 3,251 |
| Loan and lease loss provision to assets | -1.2124% | 5,601 |
| Net operating income to assets | 1.6778% | 714 |
| Return on assets (ROA) | 1.6778% | 723 |
| Pretax return on assets | 1.6778% | 1,175 |
| Return on Equity (ROE) | 15.9420% | 632 |
| Retained earnings to average equity (ytd only) | 15.9420% | 252 |
| Net charge-offs to loans | 0.0993% | 1,192 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,378 |
| Earnings coverage of net charge-offs (x) | 11.9000% | 1,825 |
| Efficiency ratio | 84.9558% | 722 |
| Assets per employee ($millions) | 3.3269% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1951% | 55 |
| Loan loss allowance to noncurrent loans | 362.9067% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 2,776 |
| Noncurrent loans to loans | 1.1560% | 1,571 |
| Net loans and leases to total assets | 37.0460% | 5,174 |
| Net loans and leases to deposits | 41.4128% | 5,238 |
| Net loans and leases to core deposits | 45.6847% | 5,173 |
| Total domestic deposits to total assets | 89.4555% | 911 |
| Equity capital to assets | 10.4786% | 3,099 |
| Core capital (leverage) ratio | 11.0699% | 2,360 |
| Tier 1 risk-based capital ratio | 28.3063% | 544 |
| Total risk-based capital ratio | 29.5924% | 537 |
| Memoranda: | ||
| Average total assets | $102,279,000 | 4,187 |
| Average earning assets | $94,381,000 | 4,184 |
| Average equity | $10,764,000 | 4,312 |
| Average total loans | $40,275,000 | 4,683 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0611% | 5,320 |
| Cost of funding earning assets | 0.2307% | 4,723 |
| Net interest margin | 2.8304% | 5,128 |
| Noninterest income to average assets | 0.5324% | 2,810 |
| Noninterest expense to average assets | 2.8693% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3104% | 4,909 |
| Return on assets (ROA) | 0.3104% | 4,925 |
| Pretax return on assets | 0.3104% | 5,198 |
| Return on Equity (ROE) | 2.8185% | 4,885 |
| Retained earnings to average equity (ytd only) | 2.8185% | 3,624 |
| Net charge-offs to loans | -0.6144% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2392% | 424 |
| Assets per employee ($millions) | 3.3808% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9004% | 37 |
| Loan loss allowance to noncurrent loans | 335.5219% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 2,322 |
| Noncurrent loans to loans | 1.4605% | 1,169 |
| Net loans and leases to total assets | 38.1340% | 5,216 |
| Net loans and leases to deposits | 42.6607% | 5,275 |
| Net loans and leases to core deposits | 46.8557% | 5,223 |
| Total domestic deposits to total assets | 89.3891% | 827 |
| Equity capital to assets | 10.5705% | 3,085 |
| Core capital (leverage) ratio | 11.7491% | 1,762 |
| Tier 1 risk-based capital ratio | 26.1738% | 650 |
| Total risk-based capital ratio | 27.4650% | 637 |
| Memoranda: | ||
| Average total assets | $97,304,400 | 4,281 |
| Average earning assets | $91,012,200 | 4,265 |
| Average equity | $10,714,800 | 4,346 |
| Average total loans | $40,366,600 | 4,721 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 5,411 |
| Cost of funding earning assets | 0.2182% | 4,829 |
| Net interest margin | 2.7763% | 5,256 |
| Noninterest income to average assets | 0.5041% | 3,007 |
| Noninterest expense to average assets | 2.8169% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3130% | 5,197 |
| Return on assets (ROA) | 0.3130% | 5,217 |
| Pretax return on assets | 0.3130% | 5,300 |
| Return on Equity (ROE) | 2.8127% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.8127% | 4,227 |
| Net charge-offs to loans | -0.0232% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0000% | 406 |
| Assets per employee ($millions) | 3.0131% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2648% | 55 |
| Loan loss allowance to noncurrent loans | 287.5205% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 2,050 |
| Noncurrent loans to loans | 1.4833% | 1,260 |
| Net loans and leases to total assets | 42.0813% | 5,110 |
| Net loans and leases to deposits | 47.7055% | 5,195 |
| Net loans and leases to core deposits | 52.9124% | 5,109 |
| Total domestic deposits to total assets | 88.2105% | 1,251 |
| Equity capital to assets | 11.6728% | 2,211 |
| Core capital (leverage) ratio | 11.3762% | 2,122 |
| Tier 1 risk-based capital ratio | 26.4823% | 646 |
| Total risk-based capital ratio | 27.7644% | 630 |
| Memoranda: | ||
| Average total assets | $96,274,500 | 4,345 |
| Average earning assets | $91,055,500 | 4,306 |
| Average equity | $10,713,250 | 4,385 |
| Average total loans | $40,290,750 | 4,771 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8675% | 5,526 |
| Cost of funding earning assets | 0.2022% | 4,957 |
| Net interest margin | 2.6654% | 5,396 |
| Noninterest income to average assets | 0.5040% | 3,003 |
| Noninterest expense to average assets | 2.8057% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2201% | 5,365 |
| Return on assets (ROA) | 0.2201% | 5,380 |
| Pretax return on assets | 0.2201% | 5,412 |
| Return on Equity (ROE) | 2.0094% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.0094% | 4,454 |
| Net charge-offs to loans | -0.0300% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7260% | 339 |
| Assets per employee ($millions) | 3.1389% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2286% | 56 |
| Loan loss allowance to noncurrent loans | 267.1756% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 2,086 |
| Noncurrent loans to loans | 1.5827% | 1,171 |
| Net loans and leases to total assets | 40.7323% | 5,201 |
| Net loans and leases to deposits | 45.8988% | 5,283 |
| Net loans and leases to core deposits | 50.3282% | 5,210 |
| Total domestic deposits to total assets | 88.7438% | 1,084 |
| Equity capital to assets | 11.1638% | 2,641 |
| Core capital (leverage) ratio | 11.0486% | 2,360 |
| Tier 1 risk-based capital ratio | 25.5822% | 697 |
| Total risk-based capital ratio | 26.8668% | 686 |
| Memoranda: | ||
| Average total assets | $97,231,000 | 4,355 |
| Average earning assets | $91,995,330 | 4,308 |
| Average equity | $10,650,000 | 4,415 |
| Average total loans | $40,035,330 | 4,806 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7979% | 5,600 |
| Cost of funding earning assets | 0.1830% | 5,129 |
| Net interest margin | 2.6148% | 5,459 |
| Noninterest income to average assets | 0.4362% | 3,407 |
| Noninterest expense to average assets | 2.6668% | 3,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2387% | 5,327 |
| Return on assets (ROA) | 0.2387% | 5,339 |
| Pretax return on assets | 0.2387% | 5,392 |
| Return on Equity (ROE) | 2.2004% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.2004% | 4,266 |
| Net charge-offs to loans | -0.0813% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7847% | 463 |
| Assets per employee ($millions) | 3.1461% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3524% | 64 |
| Loan loss allowance to noncurrent loans | 265.4545% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8562% | 2,166 |
| Noncurrent loans to loans | 1.6396% | 1,183 |
| Net loans and leases to total assets | 39.4779% | 5,267 |
| Net loans and leases to deposits | 44.3597% | 5,357 |
| Net loans and leases to core deposits | 48.6118% | 5,277 |
| Total domestic deposits to total assets | 88.9950% | 1,145 |
| Equity capital to assets | 10.9158% | 2,726 |
| Core capital (leverage) ratio | 10.9536% | 2,404 |
| Tier 1 risk-based capital ratio | 26.5367% | 657 |
| Total risk-based capital ratio | 27.8216% | 642 |
| Memoranda: | ||
| Average total assets | $97,193,500 | 4,404 |
| Average earning assets | $91,784,000 | 4,353 |
| Average equity | $10,543,500 | 4,458 |
| Average total loans | $39,360,500 | 4,874 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7186% | 5,680 |
| Cost of funding earning assets | 0.1994% | 5,016 |
| Net interest margin | 2.5191% | 5,577 |
| Noninterest income to average assets | 0.8373% | 1,628 |
| Noninterest expense to average assets | 2.9620% | 2,460 |
| Loan and lease loss provision to assets | -1.4794% | 5,909 |
| Net operating income to assets | 1.6974% | 547 |
| Return on assets (ROA) | 1.7820% | 477 |
| Pretax return on assets | 1.7820% | 833 |
| Return on Equity (ROE) | 16.6657% | 439 |
| Retained earnings to average equity (ytd only) | 16.6657% | 78 |
| Net charge-offs to loans | 0.6055% | 377 |
| Credit loss provision to net charge-offs | -598.2456% | 5,201 |
| Earnings coverage of net charge-offs (x) | 0.8816% | 4,067 |
| Efficiency ratio | 93.1446% | 418 |
| Assets per employee ($millions) | 3.2286% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5338% | 56 |
| Loan loss allowance to noncurrent loans | 294.5946% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 2,274 |
| Noncurrent loans to loans | 1.5390% | 1,299 |
| Net loans and leases to total assets | 37.9139% | 5,406 |
| Net loans and leases to deposits | 42.5281% | 5,476 |
| Net loans and leases to core deposits | 46.0390% | 5,429 |
| Total domestic deposits to total assets | 89.1502% | 1,038 |
| Equity capital to assets | 10.7796% | 2,836 |
| Core capital (leverage) ratio | 11.6893% | 1,799 |
| Tier 1 risk-based capital ratio | 26.6107% | 651 |
| Total risk-based capital ratio | 27.8988% | 632 |
| Memoranda: | ||
| Average total assets | $92,199,800 | 4,508 |
| Average earning assets | $85,743,400 | 4,476 |
| Average equity | $9,858,600 | 4,606 |
| Average total loans | $37,653,800 | 4,958 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7085% | 5,759 |
| Cost of funding earning assets | 0.2007% | 5,056 |
| Net interest margin | 2.5078% | 5,651 |
| Noninterest income to average assets | 0.4277% | 3,711 |
| Noninterest expense to average assets | 2.9395% | 2,501 |
| Loan and lease loss provision to assets | -1.9977% | 5,976 |
| Net operating income to assets | 1.8102% | 477 |
| Return on assets (ROA) | 1.9245% | 407 |
| Pretax return on assets | 1.9245% | 666 |
| Return on Equity (ROE) | 18.0373% | 356 |
| Retained earnings to average equity (ytd only) | 18.0373% | 77 |
| Net charge-offs to loans | 0.8188% | 216 |
| Credit loss provision to net charge-offs | -593.0435% | 5,113 |
| Earnings coverage of net charge-offs (x) | -0.5565% | 3,841 |
| Efficiency ratio | 106.8121% | 147 |
| Assets per employee ($millions) | 3.0515% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5317% | 57 |
| Loan loss allowance to noncurrent loans | 287.9339% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 1,328 |
| Noncurrent loans to loans | 1.5739% | 1,376 |
| Net loans and leases to total assets | 40.0878% | 5,374 |
| Net loans and leases to deposits | 45.4847% | 5,469 |
| Net loans and leases to core deposits | 50.1997% | 5,378 |
| Total domestic deposits to total assets | 88.1347% | 1,337 |
| Equity capital to assets | 11.7681% | 2,287 |
| Core capital (leverage) ratio | 11.2591% | 2,225 |
| Tier 1 risk-based capital ratio | 26.6193% | 672 |
| Total risk-based capital ratio | 27.9101% | 652 |
| Memoranda: | ||
| Average total assets | $91,035,000 | 4,559 |
| Average earning assets | $84,373,750 | 4,545 |
| Average equity | $9,713,000 | 4,674 |
| Average total loans | $37,450,500 | 5,010 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7114% | 5,839 |
| Cost of funding earning assets | 0.2001% | 5,141 |
| Net interest margin | 2.5113% | 5,736 |
| Noninterest income to average assets | 0.5789% | 2,732 |
| Noninterest expense to average assets | 2.8790% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0198% | 5,751 |
| Return on assets (ROA) | 0.1915% | 5,595 |
| Pretax return on assets | 0.1915% | 5,627 |
| Return on Equity (ROE) | 1.8590% | 5,536 |
| Retained earnings to average equity (ytd only) | 1.8590% | 4,624 |
| Net charge-offs to loans | 1.1638% | 147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.0417% | 3,558 |
| Efficiency ratio | 99.3166% | 256 |
| Assets per employee ($millions) | 2.9082% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7307% | 9 |
| Loan loss allowance to noncurrent loans | 553.1915% | 984 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 1,367 |
| Noncurrent loans to loans | 1.5782% | 1,363 |
| Net loans and leases to total assets | 36.1777% | 5,599 |
| Net loans and leases to deposits | 40.5551% | 5,669 |
| Net loans and leases to core deposits | 43.1469% | 5,646 |
| Total domestic deposits to total assets | 89.2064% | 808 |
| Equity capital to assets | 10.6749% | 3,433 |
| Core capital (leverage) ratio | 10.0828% | 3,470 |
| Tier 1 risk-based capital ratio | 25.0222% | 809 |
| Total risk-based capital ratio | 26.3583% | 788 |
| Memoranda: | ||
| Average total assets | $90,865,330 | 4,604 |
| Average earning assets | $83,941,330 | 4,591 |
| Average equity | $9,359,670 | 4,763 |
| Average total loans | $37,120,670 | 5,069 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6729% | 5,916 |
| Cost of funding earning assets | 0.2016% | 5,187 |
| Net interest margin | 2.4714% | 5,829 |
| Noninterest income to average assets | 0.6007% | 2,525 |
| Noninterest expense to average assets | 2.8809% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0219% | 5,798 |
| Return on assets (ROA) | 0.3201% | 5,325 |
| Pretax return on assets | 0.3201% | 5,474 |
| Return on Equity (ROE) | 3.1645% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.1645% | 3,932 |
| Net charge-offs to loans | 2.3907% | 57 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.0221% | 2,980 |
| Efficiency ratio | 100.7669% | 273 |
| Assets per employee ($millions) | 3.0441% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1744% | 10 |
| Loan loss allowance to noncurrent loans | 538.2353% | 957 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 1,435 |
| Noncurrent loans to loans | 1.5187% | 1,542 |
| Net loans and leases to total assets | 38.2679% | 5,544 |
| Net loans and leases to deposits | 42.7329% | 5,636 |
| Net loans and leases to core deposits | 45.4128% | 5,611 |
| Total domestic deposits to total assets | 89.5513% | 810 |
| Equity capital to assets | 10.3447% | 3,690 |
| Core capital (leverage) ratio | 10.0100% | 3,532 |
| Tier 1 risk-based capital ratio | 23.8002% | 932 |
| Total risk-based capital ratio | 25.1322% | 915 |
| Memoranda: | ||
| Average total assets | $91,220,500 | 4,635 |
| Average earning assets | $83,354,000 | 4,637 |
| Average equity | $9,227,500 | 4,808 |
| Average total loans | $37,813,000 | 5,085 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7947% | 5,884 |
| Cost of funding earning assets | 0.2353% | 4,948 |
| Net interest margin | 2.5595% | 5,789 |
| Noninterest income to average assets | 0.9795% | 1,233 |
| Noninterest expense to average assets | 3.0916% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2595% | 5,464 |
| Return on assets (ROA) | 0.3701% | 5,229 |
| Pretax return on assets | 0.3701% | 5,381 |
| Return on Equity (ROE) | 3.8099% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.8099% | 3,325 |
| Net charge-offs to loans | -2.6638% | 6,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2564% | 559 |
| Assets per employee ($millions) | 3.2543% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8826% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 2,566 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 37.5674% | 5,641 |
| Net loans and leases to deposits | 41.7227% | 5,717 |
| Net loans and leases to core deposits | 44.3280% | 5,707 |
| Total domestic deposits to total assets | 90.0405% | 615 |
| Equity capital to assets | 9.8860% | 4,093 |
| Core capital (leverage) ratio | 10.3869% | 3,064 |
| Tier 1 risk-based capital ratio | 23.5103% | 954 |
| Total risk-based capital ratio | 24.8671% | 937 |
| Memoranda: | ||
| Average total assets | $94,030,200 | 4,581 |
| Average earning assets | $87,128,000 | 4,559 |
| Average equity | $9,134,000 | 4,814 |
| Average total loans | $38,741,800 | 5,061 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7762% | 5,975 |
| Cost of funding earning assets | 0.2440% | 4,945 |
| Net interest margin | 2.5322% | 5,896 |
| Noninterest income to average assets | 1.4901% | 556 |
| Noninterest expense to average assets | 3.3389% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5164% | 4,732 |
| Return on assets (ROA) | 0.5980% | 4,496 |
| Pretax return on assets | 0.5980% | 4,975 |
| Return on Equity (ROE) | 6.1824% | 4,069 |
| Retained earnings to average equity (ytd only) | 6.1824% | 2,131 |
| Net charge-offs to loans | -3.4395% | 6,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6058% | 965 |
| Assets per employee ($millions) | 2.9777% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0984% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 1,699 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 37.0416% | 5,746 |
| Net loans and leases to deposits | 41.4740% | 5,821 |
| Net loans and leases to core deposits | 44.1382% | 5,789 |
| Total domestic deposits to total assets | 89.3129% | 861 |
| Equity capital to assets | 10.5349% | 3,571 |
| Core capital (leverage) ratio | 9.9555% | 3,704 |
| Tier 1 risk-based capital ratio | 25.0973% | 850 |
| Total risk-based capital ratio | 26.4439% | 821 |
| Memoranda: | ||
| Average total assets | $94,758,000 | 4,621 |
| Average earning assets | $88,510,500 | 4,584 |
| Average equity | $9,165,500 | 4,872 |
| Average total loans | $39,035,250 | 5,104 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4881% | 6,169 |
| Cost of funding earning assets | 0.2466% | 4,977 |
| Net interest margin | 2.2415% | 6,128 |
| Noninterest income to average assets | 1.8702% | 406 |
| Noninterest expense to average assets | 3.2827% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6773% | 3,989 |
| Return on assets (ROA) | 0.7974% | 3,494 |
| Pretax return on assets | 0.7974% | 4,323 |
| Return on Equity (ROE) | 8.4768% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.4768% | 1,085 |
| Net charge-offs to loans | -5.3065% | 6,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8975% | 1,390 |
| Assets per employee ($millions) | 3.0565% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9447% | 10 |
| Loan loss allowance to noncurrent loans | 162.6692% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 3.7392% | 368 |
| Noncurrent loans to loans | 5.4987% | 193 |
| Net loans and leases to total assets | 36.1417% | 5,813 |
| Net loans and leases to deposits | 40.0465% | 5,896 |
| Net loans and leases to core deposits | 42.5039% | 5,883 |
| Total domestic deposits to total assets | 90.2493% | 558 |
| Equity capital to assets | 9.6399% | 4,484 |
| Core capital (leverage) ratio | 9.6841% | 4,023 |
| Tier 1 risk-based capital ratio | 25.1895% | 845 |
| Total risk-based capital ratio | 26.5365% | 822 |
| Memoranda: | ||
| Average total assets | $96,566,670 | 4,623 |
| Average earning assets | $90,029,670 | 4,594 |
| Average equity | $9,083,670 | 4,928 |
| Average total loans | $39,913,000 | 5,110 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3894% | 6,261 |
| Cost of funding earning assets | 0.2513% | 5,006 |
| Net interest margin | 2.1381% | 6,234 |
| Noninterest income to average assets | 2.9546% | 221 |
| Noninterest expense to average assets | 3.5866% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3583% | 1,120 |
| Return on assets (ROA) | 1.5963% | 744 |
| Pretax return on assets | 1.5963% | 1,275 |
| Return on Equity (ROE) | 17.1772% | 455 |
| Retained earnings to average equity (ytd only) | 17.1772% | 169 |
| Net charge-offs to loans | 1.9481% | 89 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.6550% | 2,887 |
| Efficiency ratio | 72.5311% | 3,082 |
| Assets per employee ($millions) | 3.0889% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4138% | 56 |
| Loan loss allowance to noncurrent loans | 66.6139% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 4.9083% | 253 |
| Noncurrent loans to loans | 8.1272% | 97 |
| Net loans and leases to total assets | 38.4070% | 5,704 |
| Net loans and leases to deposits | 42.5911% | 5,809 |
| Net loans and leases to core deposits | 45.1750% | 5,790 |
| Total domestic deposits to total assets | 90.1761% | 662 |
| Equity capital to assets | 9.7028% | 4,507 |
| Core capital (leverage) ratio | 9.3221% | 4,535 |
| Tier 1 risk-based capital ratio | 21.3958% | 1,349 |
| Total risk-based capital ratio | 22.6898% | 1,312 |
| Memoranda: | ||
| Average total assets | $97,474,000 | 4,639 |
| Average earning assets | $90,733,000 | 4,625 |
| Average equity | $9,058,500 | 4,976 |
| Average total loans | $41,065,000 | 5,103 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5729% | 6,306 |
| Cost of funding earning assets | 0.3663% | 4,072 |
| Net interest margin | 2.2065% | 6,308 |
| Noninterest income to average assets | 0.5515% | 3,169 |
| Noninterest expense to average assets | 3.4004% | 1,697 |
| Loan and lease loss provision to assets | 0.9848% | 116 |
| Net operating income to assets | -1.7933% | 6,449 |
| Return on assets (ROA) | -1.6357% | 6,439 |
| Pretax return on assets | -1.6357% | 6,427 |
| Return on Equity (ROE) | -18.2267% | 6,431 |
| Retained earnings to average equity (ytd only) | -18.2267% | 6,408 |
| Net charge-offs to loans | 4.2896% | 13 |
| Credit loss provision to net charge-offs | 49.4315% | 3,495 |
| Earnings coverage of net charge-offs (x) | -0.4058% | 4,755 |
| Efficiency ratio | 131.1930% | 88 |
| Assets per employee ($millions) | 3.1997% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3297% | 65 |
| Loan loss allowance to noncurrent loans | 38.4359% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 7.2466% | 136 |
| Noncurrent loans to loans | 13.8665% | 34 |
| Net loans and leases to total assets | 41.2765% | 5,672 |
| Net loans and leases to deposits | 45.3471% | 5,823 |
| Net loans and leases to core deposits | 48.4309% | 5,793 |
| Total domestic deposits to total assets | 91.0235% | 355 |
| Equity capital to assets | 8.8979% | 5,379 |
| Core capital (leverage) ratio | 9.0959% | 4,831 |
| Tier 1 risk-based capital ratio | 18.5965% | 1,962 |
| Total risk-based capital ratio | 19.8904% | 1,915 |
| Memoranda: | ||
| Average total assets | $101,545,800 | 4,563 |
| Average earning assets | $93,902,600 | 4,555 |
| Average equity | $9,113,000 | 4,950 |
| Average total loans | $47,160,200 | 4,911 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5480% | 6,397 |
| Cost of funding earning assets | 0.3823% | 3,995 |
| Net interest margin | 2.1657% | 6,404 |
| Noninterest income to average assets | 0.4269% | 4,046 |
| Noninterest expense to average assets | 3.2727% | 1,962 |
| Loan and lease loss provision to assets | 1.3054% | 68 |
| Net operating income to assets | -2.1474% | 6,535 |
| Return on assets (ROA) | -1.9386% | 6,525 |
| Pretax return on assets | -1.9386% | 6,515 |
| Return on Equity (ROE) | -21.5569% | 6,517 |
| Retained earnings to average equity (ytd only) | -21.5569% | 6,499 |
| Net charge-offs to loans | 5.7777% | 8 |
| Credit loss provision to net charge-offs | 47.9386% | 3,138 |
| Earnings coverage of net charge-offs (x) | -0.3092% | 4,486 |
| Efficiency ratio | 134.6402% | 84 |
| Assets per employee ($millions) | 3.2979% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0730% | 76 |
| Loan loss allowance to noncurrent loans | 29.3248% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 9.6855% | 96 |
| Noncurrent loans to loans | 17.2994% | 17 |
| Net loans and leases to total assets | 43.8466% | 5,531 |
| Net loans and leases to deposits | 48.4708% | 5,739 |
| Net loans and leases to core deposits | 51.9107% | 5,687 |
| Total domestic deposits to total assets | 90.4599% | 544 |
| Equity capital to assets | 9.4032% | 4,914 |
| Core capital (leverage) ratio | 8.8707% | 5,233 |
| Tier 1 risk-based capital ratio | 18.6820% | 1,994 |
| Total risk-based capital ratio | 19.9731% | 1,947 |
| Memoranda: | ||
| Average total assets | $102,134,250 | 4,597 |
| Average earning assets | $94,503,250 | 4,586 |
| Average equity | $9,184,750 | 4,965 |
| Average total loans | $48,138,250 | 4,929 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5676% | 6,454 |
| Cost of funding earning assets | 0.3813% | 4,090 |
| Net interest margin | 2.1863% | 6,458 |
| Noninterest income to average assets | 0.4564% | 3,820 |
| Noninterest expense to average assets | 3.2407% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7613% | 6,497 |
| Return on assets (ROA) | -0.4583% | 6,422 |
| Pretax return on assets | -0.4583% | 6,405 |
| Return on Equity (ROE) | -5.1683% | 6,436 |
| Retained earnings to average equity (ytd only) | -5.1683% | 6,250 |
| Net charge-offs to loans | 0.8290% | 452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.9366% | 4,239 |
| Efficiency ratio | 130.7038% | 97 |
| Assets per employee ($millions) | 3.3295% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5136% | 40 |
| Loan loss allowance to noncurrent loans | 30.2851% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 11.8964% | 69 |
| Noncurrent loans to loans | 21.5075% | 8 |
| Net loans and leases to total assets | 43.4264% | 5,572 |
| Net loans and leases to deposits | 47.7974% | 5,784 |
| Net loans and leases to core deposits | 51.2122% | 5,721 |
| Total domestic deposits to total assets | 90.8551% | 452 |
| Equity capital to assets | 9.0044% | 5,295 |
| Core capital (leverage) ratio | 8.8336% | 5,245 |
| Tier 1 risk-based capital ratio | 17.8170% | 2,305 |
| Total risk-based capital ratio | 19.1252% | 2,254 |
| Memoranda: | ||
| Average total assets | $104,299,670 | 4,575 |
| Average earning assets | $96,510,330 | 4,568 |
| Average equity | $9,248,670 | 4,973 |
| Average total loans | $49,459,330 | 4,909 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7161% | 6,449 |
| Cost of funding earning assets | 0.3868% | 4,126 |
| Net interest margin | 2.3293% | 6,459 |
| Noninterest income to average assets | 0.3129% | 4,861 |
| Noninterest expense to average assets | 3.1591% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7096% | 6,524 |
| Return on assets (ROA) | -0.7096% | 6,524 |
| Pretax return on assets | -0.7096% | 6,511 |
| Return on Equity (ROE) | -8.0642% | 6,532 |
| Retained earnings to average equity (ytd only) | -8.0642% | 6,287 |
| Net charge-offs to loans | 0.6213% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.3846% | 3,543 |
| Efficiency ratio | 128.9720% | 122 |
| Assets per employee ($millions) | 3.4731% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5481% | 35 |
| Loan loss allowance to noncurrent loans | 31.1124% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 11.9509% | 75 |
| Noncurrent loans to loans | 21.0465% | 14 |
| Net loans and leases to total assets | 44.5164% | 5,465 |
| Net loans and leases to deposits | 49.0504% | 5,662 |
| Net loans and leases to core deposits | 52.3357% | 5,598 |
| Total domestic deposits to total assets | 90.7566% | 666 |
| Equity capital to assets | 9.1350% | 4,962 |
| Core capital (leverage) ratio | 8.7981% | 5,267 |
| Tier 1 risk-based capital ratio | 18.5337% | 2,114 |
| Total risk-based capital ratio | 19.8470% | 2,057 |
| Memoranda: | ||
| Average total assets | $104,841,500 | 4,608 |
| Average earning assets | $96,166,500 | 4,621 |
| Average equity | $9,226,000 | 4,994 |
| Average total loans | $50,216,000 | 4,921 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8345% | 6,477 |
| Cost of funding earning assets | 0.5056% | 3,552 |
| Net interest margin | 2.3289% | 6,499 |
| Noninterest income to average assets | 0.3352% | 4,928 |
| Noninterest expense to average assets | 2.8671% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.3801% | 6,448 |
| Return on assets (ROA) | -0.3801% | 6,465 |
| Pretax return on assets | -0.3801% | 6,445 |
| Return on Equity (ROE) | -4.2257% | 6,462 |
| Retained earnings to average equity (ytd only) | -4.2257% | 6,329 |
| Net charge-offs to loans | 0.3826% | 1,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.8883% | 5,318 |
| Efficiency ratio | 115.2849% | 211 |
| Assets per employee ($millions) | 3.6376% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5493% | 32 |
| Loan loss allowance to noncurrent loans | 46.1059% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 8.7515% | 161 |
| Noncurrent loans to loans | 14.2050% | 46 |
| Net loans and leases to total assets | 45.0014% | 5,585 |
| Net loans and leases to deposits | 49.2372% | 5,816 |
| Net loans and leases to core deposits | 52.6332% | 5,751 |
| Total domestic deposits to total assets | 91.3973% | 438 |
| Equity capital to assets | 8.4690% | 5,616 |
| Core capital (leverage) ratio | 8.8706% | 5,182 |
| Tier 1 risk-based capital ratio | 16.8230% | 2,694 |
| Total risk-based capital ratio | 18.1355% | 2,627 |
| Memoranda: | ||
| Average total assets | $102,333,000 | 4,688 |
| Average earning assets | $94,550,400 | 4,666 |
| Average equity | $9,205,600 | 5,035 |
| Average total loans | $53,838,800 | 4,813 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 6,537 |
| Cost of funding earning assets | 0.5328% | 3,439 |
| Net interest margin | 2.3158% | 6,577 |
| Noninterest income to average assets | 0.3939% | 4,574 |
| Noninterest expense to average assets | 2.8782% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3269% | 6,537 |
| Return on assets (ROA) | -0.3269% | 6,551 |
| Pretax return on assets | -0.3269% | 6,533 |
| Return on Equity (ROE) | -3.5800% | 6,551 |
| Retained earnings to average equity (ytd only) | -3.5800% | 6,404 |
| Net charge-offs to loans | 0.5397% | 1,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.1267% | 5,026 |
| Efficiency ratio | 112.8152% | 229 |
| Assets per employee ($millions) | 3.4280% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4529% | 35 |
| Loan loss allowance to noncurrent loans | 45.8103% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 9.3782% | 158 |
| Noncurrent loans to loans | 14.0862% | 51 |
| Net loans and leases to total assets | 48.3126% | 5,316 |
| Net loans and leases to deposits | 53.4173% | 5,593 |
| Net loans and leases to core deposits | 57.3770% | 5,502 |
| Total domestic deposits to total assets | 90.4437% | 768 |
| Equity capital to assets | 9.3088% | 4,790 |
| Core capital (leverage) ratio | 8.9553% | 5,189 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,943 |
| Total risk-based capital ratio | 16.0066% | 3,874 |
| Memoranda: | ||
| Average total assets | $101,543,750 | 4,748 |
| Average earning assets | $94,592,500 | 4,708 |
| Average equity | $9,273,500 | 5,076 |
| Average total loans | $54,598,750 | 4,833 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8544% | 6,575 |
| Cost of funding earning assets | 0.5574% | 3,342 |
| Net interest margin | 2.2970% | 6,624 |
| Noninterest income to average assets | 0.2347% | 5,765 |
| Noninterest expense to average assets | 2.7461% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3755% | 6,595 |
| Return on assets (ROA) | -0.3755% | 6,617 |
| Pretax return on assets | -0.3755% | 6,585 |
| Return on Equity (ROE) | -4.1379% | 6,619 |
| Retained earnings to average equity (ytd only) | -4.1379% | 6,405 |
| Net charge-offs to loans | 0.6393% | 1,027 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.0787% | 4,719 |
| Efficiency ratio | 115.8416% | 215 |
| Assets per employee ($millions) | 3.4618% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2126% | 50 |
| Loan loss allowance to noncurrent loans | 45.7595% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 9.0445% | 184 |
| Noncurrent loans to loans | 13.5767% | 70 |
| Net loans and leases to total assets | 48.7834% | 5,248 |
| Net loans and leases to deposits | 53.6281% | 5,547 |
| Net loans and leases to core deposits | 57.3870% | 5,477 |
| Total domestic deposits to total assets | 90.9661% | 556 |
| Equity capital to assets | 8.8731% | 5,362 |
| Core capital (leverage) ratio | 8.7530% | 5,355 |
| Tier 1 risk-based capital ratio | 15.6722% | 3,385 |
| Total risk-based capital ratio | 16.9772% | 3,296 |
| Memoranda: | ||
| Average total assets | $102,254,670 | 4,764 |
| Average earning assets | $95,081,670 | 4,722 |
| Average equity | $9,280,000 | 5,110 |
| Average total loans | $55,684,670 | 4,828 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8608% | 6,645 |
| Cost of funding earning assets | 0.5960% | 3,139 |
| Net interest margin | 2.2648% | 6,711 |
| Noninterest income to average assets | -0.1104% | 6,923 |
| Noninterest expense to average assets | 2.8505% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.8634% | 6,777 |
| Return on assets (ROA) | -0.8634% | 6,790 |
| Pretax return on assets | -0.8634% | 6,769 |
| Return on Equity (ROE) | -9.4067% | 6,792 |
| Retained earnings to average equity (ytd only) | -9.4067% | 6,589 |
| Net charge-offs to loans | 0.8281% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.8718% | 4,015 |
| Efficiency ratio | 143.4524% | 101 |
| Assets per employee ($millions) | 3.4654% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1349% | 71 |
| Loan loss allowance to noncurrent loans | 45.0792% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 9.0590% | 246 |
| Noncurrent loans to loans | 13.6091% | 101 |
| Net loans and leases to total assets | 50.2881% | 4,948 |
| Net loans and leases to deposits | 55.2758% | 5,323 |
| Net loans and leases to core deposits | 58.7361% | 5,266 |
| Total domestic deposits to total assets | 90.9766% | 533 |
| Equity capital to assets | 8.8522% | 5,663 |
| Core capital (leverage) ratio | 8.8884% | 5,073 |
| Tier 1 risk-based capital ratio | 15.2510% | 3,681 |
| Total risk-based capital ratio | 16.5579% | 3,605 |
| Memoranda: | ||
| Average total assets | $101,455,500 | 4,825 |
| Average earning assets | $93,960,000 | 4,801 |
| Average equity | $9,312,500 | 5,151 |
| Average total loans | $56,517,500 | 4,837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 6,592 |
| Cost of funding earning assets | 0.6874% | 3,592 |
| Net interest margin | 2.6057% | 6,629 |
| Noninterest income to average assets | 0.5221% | 3,759 |
| Noninterest expense to average assets | 2.9689% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0487% | 6,238 |
| Return on assets (ROA) | -0.0402% | 6,337 |
| Pretax return on assets | -0.0412% | 6,323 |
| Return on Equity (ROE) | -0.4445% | 6,346 |
| Retained earnings to average equity (ytd only) | -0.4445% | 5,930 |
| Net charge-offs to loans | 1.6752% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0508% | 5,512 |
| Efficiency ratio | 101.7066% | 501 |
| Assets per employee ($millions) | 3.5339% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1636% | 63 |
| Loan loss allowance to noncurrent loans | 44.6776% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 9.9466% | 220 |
| Noncurrent loans to loans | 13.7956% | 109 |
| Net loans and leases to total assets | 54.3750% | 4,573 |
| Net loans and leases to deposits | 60.1830% | 5,010 |
| Net loans and leases to core deposits | 64.1719% | 4,936 |
| Total domestic deposits to total assets | 90.3495% | 775 |
| Equity capital to assets | 9.5222% | 4,844 |
| Core capital (leverage) ratio | 9.7669% | 3,699 |
| Tier 1 risk-based capital ratio | 15.4660% | 3,446 |
| Total risk-based capital ratio | 16.7802% | 3,371 |
| Memoranda: | ||
| Average total assets | $104,383,400 | 4,723 |
| Average earning assets | $96,018,800 | 4,692 |
| Average equity | $9,448,400 | 5,119 |
| Average total loans | $61,127,400 | 4,669 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 6,704 |
| Cost of funding earning assets | 0.6966% | 3,797 |
| Net interest margin | 2.6330% | 6,723 |
| Noninterest income to average assets | 0.4930% | 3,969 |
| Noninterest expense to average assets | 2.9959% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0754% | 6,379 |
| Return on assets (ROA) | -0.0643% | 6,473 |
| Pretax return on assets | -0.0656% | 6,457 |
| Return on Equity (ROE) | -0.7192% | 6,477 |
| Retained earnings to average equity (ytd only) | -0.7192% | 6,223 |
| Net charge-offs to loans | 0.5950% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.2202% | 5,414 |
| Efficiency ratio | 102.6350% | 458 |
| Assets per employee ($millions) | 3.3789% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2806% | 39 |
| Loan loss allowance to noncurrent loans | 49.1671% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 10.8420% | 197 |
| Noncurrent loans to loans | 14.8079% | 103 |
| Net loans and leases to total assets | 55.6246% | 4,506 |
| Net loans and leases to deposits | 61.6821% | 5,001 |
| Net loans and leases to core deposits | 65.8086% | 4,971 |
| Total domestic deposits to total assets | 90.1795% | 744 |
| Equity capital to assets | 9.6103% | 5,042 |
| Core capital (leverage) ratio | 9.1808% | 4,795 |
| Tier 1 risk-based capital ratio | 15.2418% | 3,681 |
| Total risk-based capital ratio | 16.5609% | 3,594 |
| Memoranda: | ||
| Average total assets | $105,742,250 | 4,733 |
| Average earning assets | $97,428,250 | 4,705 |
| Average equity | $9,455,000 | 5,166 |
| Average total loans | $62,075,000 | 4,680 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3710% | 6,750 |
| Cost of funding earning assets | 0.7028% | 3,994 |
| Net interest margin | 2.6682% | 6,747 |
| Noninterest income to average assets | 0.5502% | 3,582 |
| Noninterest expense to average assets | 3.0057% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0074% | 6,326 |
| Return on assets (ROA) | 0.0092% | 6,444 |
| Pretax return on assets | 0.0074% | 6,437 |
| Return on Equity (ROE) | 0.1056% | 6,443 |
| Retained earnings to average equity (ytd only) | 0.1056% | 6,005 |
| Net charge-offs to loans | -0.0538% | 6,683 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3081% | 548 |
| Assets per employee ($millions) | 3.7520% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4987% | 40 |
| Loan loss allowance to noncurrent loans | 68.2687% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 9.4950% | 299 |
| Noncurrent loans to loans | 10.9841% | 217 |
| Net loans and leases to total assets | 53.7081% | 4,852 |
| Net loans and leases to deposits | 59.1442% | 5,319 |
| Net loans and leases to core deposits | 64.0988% | 5,203 |
| Total domestic deposits to total assets | 90.8086% | 523 |
| Equity capital to assets | 9.0077% | 5,693 |
| Core capital (leverage) ratio | 8.7478% | 5,302 |
| Tier 1 risk-based capital ratio | 14.5266% | 4,086 |
| Total risk-based capital ratio | 15.8500% | 3,997 |
| Memoranda: | ||
| Average total assets | $108,326,670 | 4,709 |
| Average earning assets | $99,316,670 | 4,683 |
| Average equity | $9,467,670 | 5,161 |
| Average total loans | $63,171,330 | 4,666 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5423% | 6,643 |
| Cost of funding earning assets | 0.7204% | 4,106 |
| Net interest margin | 2.8219% | 6,601 |
| Noninterest income to average assets | 0.5420% | 3,618 |
| Noninterest expense to average assets | 3.0592% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0618% | 6,315 |
| Return on assets (ROA) | 0.0946% | 6,370 |
| Pretax return on assets | 0.0946% | 6,391 |
| Return on Equity (ROE) | 1.0982% | 6,328 |
| Retained earnings to average equity (ytd only) | 1.0982% | 5,645 |
| Net charge-offs to loans | -0.0187% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0186% | 632 |
| Assets per employee ($millions) | 3.7460% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3486% | 45 |
| Loan loss allowance to noncurrent loans | 62.3173% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 10.2012% | 284 |
| Noncurrent loans to loans | 11.7923% | 215 |
| Net loans and leases to total assets | 52.9346% | 4,891 |
| Net loans and leases to deposits | 58.0759% | 5,368 |
| Net loans and leases to core deposits | 63.1229% | 5,210 |
| Total domestic deposits to total assets | 91.1473% | 495 |
| Equity capital to assets | 8.7229% | 5,847 |
| Core capital (leverage) ratio | 8.4923% | 5,608 |
| Tier 1 risk-based capital ratio | 13.8621% | 4,559 |
| Total risk-based capital ratio | 15.1852% | 4,483 |
| Memoranda: | ||
| Average total assets | $109,962,500 | 4,714 |
| Average earning assets | $100,500,000 | 4,690 |
| Average equity | $9,470,000 | 5,178 |
| Average total loans | $64,258,500 | 4,656 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 6,662 |
| Cost of funding earning assets | 0.9597% | 3,652 |
| Net interest margin | 2.9011% | 6,687 |
| Noninterest income to average assets | 0.2948% | 5,421 |
| Noninterest expense to average assets | 3.0453% | 3,415 |
| Loan and lease loss provision to assets | 1.5351% | 474 |
| Net operating income to assets | -1.6052% | 6,932 |
| Return on assets (ROA) | -1.3087% | 6,880 |
| Pretax return on assets | -1.3078% | 6,844 |
| Return on Equity (ROE) | -15.0762% | 6,893 |
| Retained earnings to average equity (ytd only) | -15.0762% | 6,870 |
| Net charge-offs to loans | 3.5471% | 213 |
| Credit loss provision to net charge-offs | 67.0155% | 4,964 |
| Earnings coverage of net charge-offs (x) | -0.0302% | 5,848 |
| Efficiency ratio | 102.3270% | 612 |
| Assets per employee ($millions) | 3.7097% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8577% | 52 |
| Loan loss allowance to noncurrent loans | 68.9410% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 9.3008% | 378 |
| Noncurrent loans to loans | 9.9472% | 320 |
| Net loans and leases to total assets | 55.6146% | 4,776 |
| Net loans and leases to deposits | 60.8319% | 5,392 |
| Net loans and leases to core deposits | 65.9527% | 5,257 |
| Total domestic deposits to total assets | 91.4234% | 357 |
| Equity capital to assets | 8.5038% | 6,148 |
| Core capital (leverage) ratio | 8.6214% | 5,358 |
| Tier 1 risk-based capital ratio | 13.0649% | 5,012 |
| Total risk-based capital ratio | 14.3818% | 4,944 |
| Memoranda: | ||
| Average total assets | $112,631,200 | 4,579 |
| Average earning assets | $104,099,200 | 4,540 |
| Average equity | $9,777,000 | 5,077 |
| Average total loans | $72,736,200 | 4,389 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 6,681 |
| Cost of funding earning assets | 1.0093% | 3,616 |
| Net interest margin | 2.9262% | 6,714 |
| Noninterest income to average assets | 0.3045% | 5,425 |
| Noninterest expense to average assets | 3.1879% | 2,858 |
| Loan and lease loss provision to assets | 1.4010% | 515 |
| Net operating income to assets | -1.5721% | 7,059 |
| Return on assets (ROA) | -1.1779% | 6,972 |
| Pretax return on assets | -1.1767% | 6,931 |
| Return on Equity (ROE) | -13.5017% | 6,980 |
| Retained earnings to average equity (ytd only) | -13.5017% | 6,955 |
| Net charge-offs to loans | 4.4499% | 127 |
| Credit loss provision to net charge-offs | 47.8629% | 5,078 |
| Earnings coverage of net charge-offs (x) | -0.0581% | 5,637 |
| Efficiency ratio | 105.6316% | 511 |
| Assets per employee ($millions) | 3.3597% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9446% | 95 |
| Loan loss allowance to noncurrent loans | 54.8215% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 9.4000% | 400 |
| Noncurrent loans to loans | 10.8436% | 301 |
| Net loans and leases to total assets | 60.5733% | 4,032 |
| Net loans and leases to deposits | 66.9170% | 4,768 |
| Net loans and leases to core deposits | 72.6106% | 4,634 |
| Total domestic deposits to total assets | 90.5200% | 630 |
| Equity capital to assets | 9.2530% | 5,443 |
| Core capital (leverage) ratio | 8.8672% | 5,162 |
| Tier 1 risk-based capital ratio | 13.8602% | 4,443 |
| Total risk-based capital ratio | 15.1665% | 4,372 |
| Memoranda: | ||
| Average total assets | $112,966,250 | 4,602 |
| Average earning assets | $104,752,000 | 4,555 |
| Average equity | $9,855,250 | 5,077 |
| Average total loans | $74,307,500 | 4,376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 6,667 |
| Cost of funding earning assets | 1.0556% | 3,564 |
| Net interest margin | 2.9414% | 6,711 |
| Noninterest income to average assets | 0.3798% | 4,844 |
| Noninterest expense to average assets | 3.2809% | 2,630 |
| Loan and lease loss provision to assets | 2.0682% | 292 |
| Net operating income to assets | -2.2442% | 7,231 |
| Return on assets (ROA) | -1.6727% | 7,147 |
| Pretax return on assets | -1.6692% | 7,106 |
| Return on Equity (ROE) | -19.5433% | 7,147 |
| Retained earnings to average equity (ytd only) | -19.5433% | 7,130 |
| Net charge-offs to loans | 6.4818% | 68 |
| Credit loss provision to net charge-offs | 48.1933% | 4,627 |
| Earnings coverage of net charge-offs (x) | -0.0402% | 5,309 |
| Efficiency ratio | 105.5493% | 568 |
| Assets per employee ($millions) | 3.4928% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7292% | 118 |
| Loan loss allowance to noncurrent loans | 53.8853% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 9.3274% | 444 |
| Noncurrent loans to loans | 10.6323% | 341 |
| Net loans and leases to total assets | 60.8457% | 4,118 |
| Net loans and leases to deposits | 66.8186% | 4,883 |
| Net loans and leases to core deposits | 72.4362% | 4,766 |
| Total domestic deposits to total assets | 91.0609% | 479 |
| Equity capital to assets | 8.7789% | 5,842 |
| Core capital (leverage) ratio | 8.3566% | 5,776 |
| Tier 1 risk-based capital ratio | 12.9440% | 4,959 |
| Total risk-based capital ratio | 14.2581% | 4,890 |
| Memoranda: | ||
| Average total assets | $114,784,670 | 4,594 |
| Average earning assets | $106,481,000 | 4,550 |
| Average equity | $9,824,330 | 5,095 |
| Average total loans | $75,997,000 | 4,345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 6,086 |
| Cost of funding earning assets | 1.1002% | 3,516 |
| Net interest margin | 3.1741% | 6,156 |
| Noninterest income to average assets | 0.1754% | 6,473 |
| Noninterest expense to average assets | 3.0956% | 3,262 |
| Loan and lease loss provision to assets | 1.8471% | 307 |
| Net operating income to assets | -1.8299% | 7,260 |
| Return on assets (ROA) | -1.3346% | 7,152 |
| Pretax return on assets | -1.3346% | 7,109 |
| Return on Equity (ROE) | -15.7876% | 7,162 |
| Retained earnings to average equity (ytd only) | -15.7876% | 7,065 |
| Net charge-offs to loans | 6.8937% | 79 |
| Credit loss provision to net charge-offs | 39.9851% | 3,950 |
| Earnings coverage of net charge-offs (x) | 0.0037% | 4,573 |
| Efficiency ratio | 99.4475% | 772 |
| Assets per employee ($millions) | 3.6728% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0739% | 96 |
| Loan loss allowance to noncurrent loans | 154.9310% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 4.8720% | 1,303 |
| Noncurrent loans to loans | 3.9204% | 1,871 |
| Net loans and leases to total assets | 60.5643% | 4,157 |
| Net loans and leases to deposits | 66.0370% | 4,973 |
| Net loans and leases to core deposits | 71.9106% | 4,799 |
| Total domestic deposits to total assets | 91.7126% | 367 |
| Equity capital to assets | 8.1495% | 6,344 |
| Core capital (leverage) ratio | 7.9545% | 6,303 |
| Tier 1 risk-based capital ratio | 11.6535% | 5,977 |
| Total risk-based capital ratio | 12.9509% | 5,934 |
| Memoranda: | ||
| Average total assets | $116,293,000 | 4,580 |
| Average earning assets | $107,619,500 | 4,537 |
| Average equity | $9,830,500 | 5,086 |
| Average total loans | $77,926,000 | 4,329 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 6,245 |
| Cost of funding earning assets | 1.2421% | 4,267 |
| Net interest margin | 3.3104% | 5,947 |
| Noninterest income to average assets | -0.1169% | 7,405 |
| Noninterest expense to average assets | 2.5322% | 5,675 |
| Loan and lease loss provision to assets | 4.5394% | 103 |
| Net operating income to assets | -4.1373% | 7,451 |
| Return on assets (ROA) | -4.0840% | 7,459 |
| Pretax return on assets | -4.0849% | 7,448 |
| Return on Equity (ROE) | -55.8047% | 7,457 |
| Retained earnings to average equity (ytd only) | -55.8047% | 7,454 |
| Net charge-offs to loans | 3.4570% | 420 |
| Credit loss provision to net charge-offs | 185.8248% | 1,763 |
| Earnings coverage of net charge-offs (x) | 0.1643% | 5,946 |
| Efficiency ratio | 86.3210% | 1,658 |
| Assets per employee ($millions) | 3.7115% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7554% | 68 |
| Loan loss allowance to noncurrent loans | 94.5795% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 6.1343% | 957 |
| Noncurrent loans to loans | 7.1426% | 780 |
| Net loans and leases to total assets | 64.8890% | 3,688 |
| Net loans and leases to deposits | 71.3296% | 4,634 |
| Net loans and leases to core deposits | 77.7150% | 4,489 |
| Total domestic deposits to total assets | 90.9706% | 608 |
| Equity capital to assets | 8.7634% | 5,494 |
| Core capital (leverage) ratio | 8.9468% | 4,625 |
| Tier 1 risk-based capital ratio | 12.0382% | 5,438 |
| Total risk-based capital ratio | 13.3647% | 5,353 |
| Memoranda: | ||
| Average total assets | $116,380,600 | 4,566 |
| Average earning assets | $107,237,400 | 4,528 |
| Average equity | $8,517,200 | 5,541 |
| Average total loans | $82,238,200 | 4,268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 6,454 |
| Cost of funding earning assets | 1.2668% | 4,455 |
| Net interest margin | 3.2907% | 6,046 |
| Noninterest income to average assets | -0.0434% | 7,495 |
| Noninterest expense to average assets | 2.7509% | 4,681 |
| Loan and lease loss provision to assets | 4.6644% | 112 |
| Net operating income to assets | -4.4348% | 7,604 |
| Return on assets (ROA) | -4.4348% | 7,616 |
| Pretax return on assets | -4.4348% | 7,599 |
| Return on Equity (ROE) | -63.6971% | 7,616 |
| Retained earnings to average equity (ytd only) | -63.6971% | 7,615 |
| Net charge-offs to loans | 4.2408% | 269 |
| Credit loss provision to net charge-offs | 155.0703% | 2,473 |
| Earnings coverage of net charge-offs (x) | 0.0763% | 5,956 |
| Efficiency ratio | 92.2959% | 1,105 |
| Assets per employee ($millions) | 3.8109% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3990% | 136 |
| Loan loss allowance to noncurrent loans | 73.3975% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 6.8633% | 794 |
| Noncurrent loans to loans | 7.3558% | 737 |
| Net loans and leases to total assets | 70.0776% | 2,715 |
| Net loans and leases to deposits | 75.4315% | 4,276 |
| Net loans and leases to core deposits | 82.3064% | 4,199 |
| Total domestic deposits to total assets | 92.9024% | 104 |
| Equity capital to assets | 6.6244% | 7,405 |
| Core capital (leverage) ratio | 6.0644% | 7,424 |
| Tier 1 risk-based capital ratio | 8.2041% | 7,461 |
| Total risk-based capital ratio | 9.5139% | 7,460 |
| Memoranda: | ||
| Average total assets | $116,711,250 | 4,619 |
| Average earning assets | $107,248,000 | 4,590 |
| Average equity | $8,125,750 | 5,747 |
| Average total loans | $82,780,500 | 4,328 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 6,792 |
| Cost of funding earning assets | 1.2646% | 4,746 |
| Net interest margin | 3.1891% | 6,352 |
| Noninterest income to average assets | -0.2509% | 7,694 |
| Noninterest expense to average assets | 2.7278% | 4,800 |
| Loan and lease loss provision to assets | 6.8751% | 50 |
| Net operating income to assets | -6.9239% | 7,770 |
| Return on assets (ROA) | -6.9239% | 7,772 |
| Pretax return on assets | -6.9239% | 7,759 |
| Return on Equity (ROE) | -97.9747% | 7,734 |
| Retained earnings to average equity (ytd only) | -97.9747% | 7,733 |
| Net charge-offs to loans | 6.4031% | 112 |
| Credit loss provision to net charge-offs | 153.4962% | 2,562 |
| Earnings coverage of net charge-offs (x) | -0.0109% | 5,731 |
| Efficiency ratio | 101.8228% | 740 |
| Assets per employee ($millions) | 3.9060% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3546% | 139 |
| Loan loss allowance to noncurrent loans | 90.6166% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 5.2121% | 1,214 |
| Noncurrent loans to loans | 5.9091% | 1,089 |
| Net loans and leases to total assets | 68.5647% | 3,233 |
| Net loans and leases to deposits | 73.6673% | 4,729 |
| Net loans and leases to core deposits | 80.7414% | 4,585 |
| Total domestic deposits to total assets | 93.0734% | 108 |
| Equity capital to assets | 6.1117% | 7,522 |
| Core capital (leverage) ratio | 5.4812% | 7,554 |
| Tier 1 risk-based capital ratio | 7.5828% | 7,554 |
| Total risk-based capital ratio | 8.8906% | 7,555 |
| Memoranda: | ||
| Average total assets | $118,776,330 | 4,602 |
| Average earning assets | $109,121,330 | 4,581 |
| Average equity | $8,394,000 | 5,665 |
| Average total loans | $83,085,000 | 4,349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 7,248 |
| Cost of funding earning assets | 1.2713% | 4,991 |
| Net interest margin | 2.9400% | 6,952 |
| Noninterest income to average assets | -0.1942% | 7,803 |
| Noninterest expense to average assets | 2.6167% | 5,282 |
| Loan and lease loss provision to assets | 11.7932% | 16 |
| Net operating income to assets | -11.9018% | 7,913 |
| Return on assets (ROA) | -11.9018% | 7,913 |
| Pretax return on assets | -11.9018% | 7,909 |
| Return on Equity (ROE) | -158.4315% | 7,872 |
| Retained earnings to average equity (ytd only) | -158.4315% | 7,870 |
| Net charge-offs to loans | 12.7277% | 28 |
| Credit loss provision to net charge-offs | 134.6992% | 2,621 |
| Earnings coverage of net charge-offs (x) | -0.0124% | 5,034 |
| Efficiency ratio | 104.3307% | 716 |
| Assets per employee ($millions) | 4.1238% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7421% | 214 |
| Loan loss allowance to noncurrent loans | 81.6866% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 5.0816% | 1,254 |
| Noncurrent loans to loans | 5.8053% | 1,153 |
| Net loans and leases to total assets | 65.4082% | 4,020 |
| Net loans and leases to deposits | 70.2119% | 5,312 |
| Net loans and leases to core deposits | 77.5194% | 5,081 |
| Total domestic deposits to total assets | 93.1582% | 114 |
| Equity capital to assets | 6.0875% | 7,609 |
| Core capital (leverage) ratio | 5.7297% | 7,621 |
| Tier 1 risk-based capital ratio | 7.9640% | 7,617 |
| Total risk-based capital ratio | 9.2584% | 7,621 |
| Memoranda: | ||
| Average total assets | $121,527,500 | 4,592 |
| Average earning assets | $111,699,000 | 4,571 |
| Average equity | $9,129,500 | 5,511 |
| Average total loans | $83,597,500 | 4,399 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 6,709 |
| Cost of funding earning assets | 1.7200% | 4,409 |
| Net interest margin | 3.1817% | 6,153 |
| Noninterest income to average assets | 0.5956% | 3,666 |
| Noninterest expense to average assets | 2.5923% | 5,821 |
| Loan and lease loss provision to assets | 2.0235% | 1,061 |
| Net operating income to assets | -1.0705% | 6,625 |
| Return on assets (ROA) | -1.0705% | 6,631 |
| Pretax return on assets | -1.0654% | 6,458 |
| Return on Equity (ROE) | -11.5588% | 6,740 |
| Retained earnings to average equity (ytd only) | -11.6585% | 6,655 |
| Net charge-offs to loans | 1.3429% | 1,856 |
| Credit loss provision to net charge-offs | 208.8312% | 1,842 |
| Earnings coverage of net charge-offs (x) | 0.9887% | 5,121 |
| Efficiency ratio | 73.0151% | 4,092 |
| Assets per employee ($millions) | 4.2574% | 3,338 |
| Cash dividends to net income (ytd only)* | -0.8621% | 7,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4920% | 537 |
| Loan loss allowance to noncurrent loans | 60.0809% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 5.2282% | 1,142 |
| Noncurrent loans to loans | 5.8122% | 1,088 |
| Net loans and leases to total assets | 66.5033% | 4,037 |
| Net loans and leases to deposits | 73.8483% | 5,064 |
| Net loans and leases to core deposits | 91.9556% | 4,893 |
| Total domestic deposits to total assets | 90.0539% | 934 |
| Equity capital to assets | 8.8923% | 5,292 |
| Core capital (leverage) ratio | 9.1635% | 4,175 |
| Tier 1 risk-based capital ratio | 11.4118% | 5,494 |
| Total risk-based capital ratio | 12.6954% | 5,421 |
| Memoranda: | ||
| Average total assets | $119,199,800 | 4,599 |
| Average earning assets | $110,695,200 | 4,542 |
| Average equity | $11,039,200 | 5,013 |
| Average total loans | $86,005,800 | 4,330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9365% | 6,802 |
| Cost of funding earning assets | 1.8393% | 4,202 |
| Net interest margin | 3.0973% | 6,320 |
| Noninterest income to average assets | 0.6174% | 3,566 |
| Noninterest expense to average assets | 2.6309% | 5,598 |
| Loan and lease loss provision to assets | 2.3758% | 713 |
| Net operating income to assets | -1.5113% | 7,120 |
| Return on assets (ROA) | -1.5113% | 7,116 |
| Pretax return on assets | -1.4966% | 6,961 |
| Return on Equity (ROE) | -16.1503% | 7,243 |
| Retained earnings to average equity (ytd only) | -16.2830% | 7,202 |
| Net charge-offs to loans | 1.7641% | 1,145 |
| Credit loss provision to net charge-offs | 184.4873% | 2,469 |
| Earnings coverage of net charge-offs (x) | 0.6827% | 5,348 |
| Efficiency ratio | 74.9518% | 3,700 |
| Assets per employee ($millions) | 3.5749% | 4,746 |
| Cash dividends to net income (ytd only)* | -0.8217% | 7,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1079% | 609 |
| Loan loss allowance to noncurrent loans | 53.4211% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 5.6680% | 985 |
| Noncurrent loans to loans | 5.8177% | 1,040 |
| Net loans and leases to total assets | 72.9827% | 2,800 |
| Net loans and leases to deposits | 82.4218% | 3,931 |
| Net loans and leases to core deposits | 106.5753% | 3,635 |
| Total domestic deposits to total assets | 88.5478% | 1,411 |
| Equity capital to assets | 9.6856% | 4,516 |
| Core capital (leverage) ratio | 9.0894% | 4,510 |
| Tier 1 risk-based capital ratio | 11.8245% | 5,135 |
| Total risk-based capital ratio | 13.0959% | 5,048 |
| Memoranda: | ||
| Average total assets | $118,133,250 | 4,647 |
| Average earning assets | $110,330,750 | 4,581 |
| Average equity | $11,054,250 | 5,057 |
| Average total loans | $86,237,250 | 4,359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0343% | 6,663 |
| Cost of funding earning assets | 1.9390% | 4,070 |
| Net interest margin | 3.0953% | 6,259 |
| Noninterest income to average assets | 0.5696% | 3,896 |
| Noninterest expense to average assets | 2.6269% | 5,631 |
| Loan and lease loss provision to assets | 1.8764% | 875 |
| Net operating income to assets | -1.0672% | 7,029 |
| Return on assets (ROA) | -1.0672% | 7,029 |
| Pretax return on assets | -1.0454% | 6,847 |
| Return on Equity (ROE) | -11.5339% | 7,140 |
| Retained earnings to average equity (ytd only) | -11.7331% | 7,037 |
| Net charge-offs to loans | 1.7575% | 1,081 |
| Credit loss provision to net charge-offs | 147.7573% | 3,124 |
| Earnings coverage of net charge-offs (x) | 0.6544% | 5,045 |
| Efficiency ratio | 75.9690% | 3,696 |
| Assets per employee ($millions) | 3.5377% | 4,714 |
| Cash dividends to net income (ytd only)* | -1.7268% | 7,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4062% | 981 |
| Loan loss allowance to noncurrent loans | 44.8283% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 5.0803% | 1,034 |
| Noncurrent loans to loans | 5.3675% | 1,097 |
| Net loans and leases to total assets | 72.1253% | 3,189 |
| Net loans and leases to deposits | 80.6795% | 4,443 |
| Net loans and leases to core deposits | 103.3179% | 4,144 |
| Total domestic deposits to total assets | 89.3973% | 1,079 |
| Equity capital to assets | 9.7821% | 4,240 |
| Core capital (leverage) ratio | 9.3556% | 4,087 |
| Tier 1 risk-based capital ratio | 12.4846% | 4,533 |
| Total risk-based capital ratio | 13.7473% | 4,445 |
| Memoranda: | ||
| Average total assets | $119,378,670 | 4,656 |
| Average earning assets | $111,395,330 | 4,592 |
| Average equity | $11,045,670 | 5,073 |
| Average total loans | $86,260,330 | 4,393 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 7,011 |
| Cost of funding earning assets | 2.0798% | 3,739 |
| Net interest margin | 2.8911% | 6,767 |
| Noninterest income to average assets | 0.5568% | 3,865 |
| Noninterest expense to average assets | 2.3431% | 6,395 |
| Loan and lease loss provision to assets | 0.4971% | 2,487 |
| Net operating income to assets | 0.3878% | 4,903 |
| Return on assets (ROA) | 0.3878% | 5,083 |
| Pretax return on assets | 0.4209% | 5,336 |
| Return on Equity (ROE) | 4.3100% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.3100% | 3,512 |
| Net charge-offs to loans | 0.8255% | 1,571 |
| Credit loss provision to net charge-offs | 84.2697% | 4,123 |
| Earnings coverage of net charge-offs (x) | 1.5562% | 3,947 |
| Efficiency ratio | 71.8496% | 4,217 |
| Assets per employee ($millions) | 3.5516% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 1,517 |
| Loan loss allowance to noncurrent loans | 38.6697% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 3.7116% | 1,424 |
| Noncurrent loans to loans | 5.0536% | 1,075 |
| Net loans and leases to total assets | 70.0501% | 3,656 |
| Net loans and leases to deposits | 77.6509% | 4,982 |
| Net loans and leases to core deposits | 96.5077% | 4,906 |
| Total domestic deposits to total assets | 90.2116% | 708 |
| Equity capital to assets | 9.0539% | 5,284 |
| Core capital (leverage) ratio | 8.8107% | 4,963 |
| Tier 1 risk-based capital ratio | 11.5740% | 5,343 |
| Total risk-based capital ratio | 12.8409% | 5,218 |
| Memoranda: | ||
| Average total assets | $120,696,000 | 4,634 |
| Average earning assets | $112,896,500 | 4,559 |
| Average equity | $10,858,500 | 5,146 |
| Average total loans | $86,251,500 | 4,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3725% | 3,560 |
| Cost of funding earning assets | 2.6497% | 3,433 |
| Net interest margin | 3.7228% | 4,372 |
| Noninterest income to average assets | 0.4973% | 4,630 |
| Noninterest expense to average assets | 2.4444% | 6,235 |
| Loan and lease loss provision to assets | 1.9885% | 607 |
| Net operating income to assets | -0.4500% | 6,878 |
| Return on assets (ROA) | -0.4500% | 6,757 |
| Pretax return on assets | -0.4264% | 6,571 |
| Return on Equity (ROE) | -4.9605% | 6,862 |
| Retained earnings to average equity (ytd only) | -11.2520% | 7,176 |
| Net charge-offs to loans | 1.6566% | 674 |
| Credit loss provision to net charge-offs | 164.3405% | 3,135 |
| Earnings coverage of net charge-offs (x) | 1.2910% | 5,484 |
| Efficiency ratio | 61.0116% | 6,161 |
| Assets per employee ($millions) | 3.5481% | 4,550 |
| Cash dividends to net income (ytd only)* | -126.8293% | 8,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 1,248 |
| Loan loss allowance to noncurrent loans | 37.3854% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 3.8918% | 1,078 |
| Noncurrent loans to loans | 5.3138% | 795 |
| Net loans and leases to total assets | 70.0573% | 4,003 |
| Net loans and leases to deposits | 77.5488% | 5,397 |
| Net loans and leases to core deposits | 94.5760% | 5,394 |
| Total domestic deposits to total assets | 90.3396% | 539 |
| Equity capital to assets | 8.9392% | 5,446 |
| Core capital (leverage) ratio | 9.3086% | 4,284 |
| Tier 1 risk-based capital ratio | 11.4354% | 5,302 |
| Total risk-based capital ratio | 12.7029% | 5,184 |
| Memoranda: | ||
| Average total assets | $118,433,200 | 4,564 |
| Average earning assets | $111,636,200 | 4,483 |
| Average equity | $10,744,800 | 5,201 |
| Average total loans | $86,501,200 | 4,319 |