Home > Bank Michigan > Performance and Condition Ratios
Bank Michigan, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9116% | 713 |
| Cost of funding earning assets | 1.1120% | 3,034 |
| Net interest margin | 4.7996% | 417 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 6.4569% | 162 |
| Loan and lease loss provision to assets | 1.1500% | 56 |
| Net operating income to assets | -1.7684% | 4,564 |
| Return on assets (ROA) | -1.7684% | 4,560 |
| Pretax return on assets | -2.2343% | 4,564 |
| Return on Equity (ROE) | -19.5900% | 4,545 |
| Retained earnings to average equity (ytd only) | -19.5932% | 4,521 |
| Net charge-offs to loans | 1.1218% | 89 |
| Credit loss provision to net charge-offs | 132.5397% | 1,575 |
| Earnings coverage of net charge-offs (x) | -1.2331% | 4,531 |
| Efficiency ratio | 120.1851% | 76 |
| Assets per employee ($millions) | 2.5742% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 736 |
| Loan loss allowance to noncurrent loans | 70.5689% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.7962% | 180 |
| Noncurrent loans to loans | 2.3534% | 217 |
| Net loans and leases to total assets | 75.0600% | 1,234 |
| Net loans and leases to deposits | 90.0032% | 1,262 |
| Net loans and leases to core deposits | 100.6341% | 1,397 |
| Total domestic deposits to total assets | 83.4000% | 2,781 |
| Equity capital to assets | 10.3763% | 1,798 |
| Core capital (leverage) ratio | 9.8855% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3952% | 1,722 |
| Memoranda: | ||
| Average total assets | $114,622,400 | 3,703 |
| Average earning assets | $106,028,800 | 3,687 |
| Average equity | $10,345,400 | 3,682 |
| Average total loans | $89,854,400 | 3,291 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8139% | 672 |
| Cost of funding earning assets | 1.0123% | 2,999 |
| Net interest margin | 4.8017% | 410 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 6.5401% | 162 |
| Loan and lease loss provision to assets | 0.8100% | 84 |
| Net operating income to assets | -1.5224% | 4,584 |
| Return on assets (ROA) | -1.5224% | 4,578 |
| Pretax return on assets | -1.9330% | 4,588 |
| Return on Equity (ROE) | -17.5500% | 4,567 |
| Retained earnings to average equity (ytd only) | -17.5520% | 4,546 |
| Net charge-offs to loans | 0.0059% | 2,233 |
| Credit loss provision to net charge-offs | 17,575.0000% | 18 |
| Earnings coverage of net charge-offs (x) | -240.0000% | 4,632 |
| Efficiency ratio | 120.7972% | 75 |
| Assets per employee ($millions) | 2.7065% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 342 |
| Loan loss allowance to noncurrent loans | 58.5549% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 2.6846% | 85 |
| Noncurrent loans to loans | 3.5662% | 99 |
| Net loans and leases to total assets | 73.7100% | 1,374 |
| Net loans and leases to deposits | 85.7194% | 1,601 |
| Net loans and leases to core deposits | 95.6603% | 1,570 |
| Total domestic deposits to total assets | 85.9900% | 2,196 |
| Equity capital to assets | 7.4794% | 3,363 |
| Core capital (leverage) ratio | 7.2291% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7528% | 2,861 |
| Memoranda: | ||
| Average total assets | $113,674,500 | 3,723 |
| Average earning assets | $105,766,250 | 3,701 |
| Average equity | $9,860,000 | 3,737 |
| Average total loans | $89,722,750 | 3,292 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7515% | 595 |
| Cost of funding earning assets | 0.9003% | 2,929 |
| Net interest margin | 4.8513% | 372 |
| Noninterest income to average assets | 1.0700% | 514 |
| Noninterest expense to average assets | 6.5933% | 158 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | -0.8617% | 4,591 |
| Return on assets (ROA) | -0.8617% | 4,585 |
| Pretax return on assets | -1.0870% | 4,589 |
| Return on Equity (ROE) | -9.4700% | 4,574 |
| Retained earnings to average equity (ytd only) | -9.4717% | 4,502 |
| Net charge-offs to loans | 0.0045% | 2,126 |
| Credit loss provision to net charge-offs | 2,150.0000% | 244 |
| Earnings coverage of net charge-offs (x) | -274.5000% | 4,664 |
| Efficiency ratio | 117.4896% | 75 |
| Assets per employee ($millions) | 2.4965% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,705 |
| Loan loss allowance to noncurrent loans | 71.5548% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 233 |
| Noncurrent loans to loans | 1.8887% | 308 |
| Net loans and leases to total assets | 78.9500% | 743 |
| Net loans and leases to deposits | 93.2146% | 934 |
| Net loans and leases to core deposits | 106.0771% | 984 |
| Total domestic deposits to total assets | 84.6900% | 2,627 |
| Equity capital to assets | 8.7054% | 2,713 |
| Core capital (leverage) ratio | 8.4645% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6242% | 2,730 |
| Memoranda: | ||
| Average total assets | $111,870,333 | 3,749 |
| Average earning assets | $104,632,667 | 3,730 |
| Average equity | $10,177,667 | 3,721 |
| Average total loans | $89,748,000 | 3,299 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5928% | 533 |
| Cost of funding earning assets | 0.7613% | 2,869 |
| Net interest margin | 4.8315% | 355 |
| Noninterest income to average assets | 1.3800% | 362 |
| Noninterest expense to average assets | 6.3816% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.3798% | 4,575 |
| Return on assets (ROA) | -0.3798% | 4,564 |
| Pretax return on assets | -0.4766% | 4,565 |
| Return on Equity (ROE) | -4.0900% | 4,543 |
| Retained earnings to average equity (ytd only) | -4.0862% | 4,295 |
| Net charge-offs to loans | 0.0089% | 1,609 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | -66.5000% | 4,683 |
| Efficiency ratio | 108.0704% | 111 |
| Assets per employee ($millions) | 2.5533% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,753 |
| Loan loss allowance to noncurrent loans | 117.3956% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 480 |
| Noncurrent loans to loans | 1.1642% | 603 |
| Net loans and leases to total assets | 77.6300% | 807 |
| Net loans and leases to deposits | 93.1457% | 840 |
| Net loans and leases to core deposits | 105.4146% | 860 |
| Total domestic deposits to total assets | 83.3400% | 3,232 |
| Equity capital to assets | 9.2992% | 2,298 |
| Core capital (leverage) ratio | 9.0262% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8959% | 2,427 |
| Memoranda: | ||
| Average total assets | $111,633,500 | 3,803 |
| Average earning assets | $104,563,000 | 3,777 |
| Average equity | $10,376,500 | 3,735 |
| Average total loans | $89,669,500 | 3,337 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 333 |
| Cost of funding earning assets | 0.3114% | 2,784 |
| Net interest margin | 4.6326% | 234 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 5.0630% | 210 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.1542% | 4,478 |
| Return on assets (ROA) | 0.1542% | 4,462 |
| Pretax return on assets | 0.1983% | 4,448 |
| Return on Equity (ROE) | 1.6900% | 4,414 |
| Retained earnings to average equity (ytd only) | 1.6914% | 4,048 |
| Net charge-offs to loans | 0.0420% | 1,278 |
| Credit loss provision to net charge-offs | 123.0769% | 1,444 |
| Earnings coverage of net charge-offs (x) | 7.1026% | 2,315 |
| Efficiency ratio | 95.4761% | 204 |
| Assets per employee ($millions) | 2.7017% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,230 |
| Loan loss allowance to noncurrent loans | 171.2230% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 1,041 |
| Noncurrent loans to loans | 0.5983% | 1,254 |
| Net loans and leases to total assets | 81.0500% | 495 |
| Net loans and leases to deposits | 90.5032% | 1,013 |
| Net loans and leases to core deposits | 104.3807% | 811 |
| Total domestic deposits to total assets | 89.5600% | 1,532 |
| Equity capital to assets | 9.2912% | 2,161 |
| Core capital (leverage) ratio | 8.9573% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4258% | 2,598 |
| Memoranda: | ||
| Average total assets | $115,466,200 | 3,769 |
| Average earning assets | $108,211,000 | 3,743 |
| Average equity | $10,523,600 | 3,808 |
| Average total loans | $92,893,400 | 3,250 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 324 |
| Cost of funding earning assets | 0.2602% | 2,601 |
| Net interest margin | 4.4831% | 247 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 5.0290% | 215 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.1483% | 4,514 |
| Return on assets (ROA) | 0.1483% | 4,484 |
| Pretax return on assets | 0.1909% | 4,467 |
| Return on Equity (ROE) | 1.6400% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.6351% | 4,106 |
| Net charge-offs to loans | 0.0330% | 1,188 |
| Credit loss provision to net charge-offs | 286.9565% | 833 |
| Earnings coverage of net charge-offs (x) | 10.0870% | 2,003 |
| Efficiency ratio | 94.9631% | 217 |
| Assets per employee ($millions) | 3.2458% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,314 |
| Loan loss allowance to noncurrent loans | 169.7074% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,104 |
| Noncurrent loans to loans | 0.6113% | 1,324 |
| Net loans and leases to total assets | 80.5000% | 491 |
| Net loans and leases to deposits | 89.5071% | 923 |
| Net loans and leases to core deposits | 100.5763% | 790 |
| Total domestic deposits to total assets | 89.9400% | 1,689 |
| Equity capital to assets | 8.9218% | 2,262 |
| Core capital (leverage) ratio | 8.6390% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1620% | 2,768 |
| Memoranda: | ||
| Average total assets | $115,964,500 | 3,794 |
| Average earning assets | $108,641,250 | 3,765 |
| Average equity | $10,518,750 | 3,861 |
| Average total loans | $92,885,500 | 3,258 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 357 |
| Cost of funding earning assets | 0.2232% | 2,606 |
| Net interest margin | 4.3115% | 266 |
| Noninterest income to average assets | 0.9717% | 713 |
| Noninterest expense to average assets | 4.9797% | 171 |
| Loan and lease loss provision to assets | 0.1141% | 881 |
| Net operating income to assets | -0.0657% | 4,605 |
| Return on assets (ROA) | -0.0657% | 4,577 |
| Pretax return on assets | -0.0813% | 4,570 |
| Return on Equity (ROE) | -0.7204% | 4,585 |
| Retained earnings to average equity (ytd only) | -0.7204% | 4,270 |
| Net charge-offs to loans | 0.0499% | 890 |
| Credit loss provision to net charge-offs | 286.9565% | 818 |
| Earnings coverage of net charge-offs (x) | 0.8261% | 2,089 |
| Efficiency ratio | 99.3446% | 194 |
| Assets per employee ($millions) | 3.1240% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,382 |
| Loan loss allowance to noncurrent loans | 125.7653% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 806 |
| Noncurrent loans to loans | 0.8343% | 1,021 |
| Net loans and leases to total assets | 80.4416% | 375 |
| Net loans and leases to deposits | 89.5114% | 747 |
| Net loans and leases to core deposits | 93.5902% | 935 |
| Total domestic deposits to total assets | 89.8674% | 1,763 |
| Equity capital to assets | 8.9950% | 2,389 |
| Core capital (leverage) ratio | 8.7059% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6787% | 2,888 |
| Memoranda: | ||
| Average total assets | $115,670,000 | 3,839 |
| Average earning assets | $108,407,667 | 3,819 |
| Average equity | $10,550,000 | 3,928 |
| Average total loans | $92,164,333 | 3,297 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 320 |
| Cost of funding earning assets | 0.2328% | 2,350 |
| Net interest margin | 4.2498% | 260 |
| Noninterest income to average assets | 1.2583% | 445 |
| Noninterest expense to average assets | 4.7843% | 185 |
| Loan and lease loss provision to assets | 0.2040% | 355 |
| Net operating income to assets | 0.1901% | 4,347 |
| Return on assets (ROA) | 0.1901% | 4,312 |
| Pretax return on assets | 0.2454% | 4,277 |
| Return on Equity (ROE) | 2.0703% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.0703% | 3,519 |
| Net charge-offs to loans | 0.1052% | 502 |
| Credit loss provision to net charge-offs | 245.8333% | 724 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 1,604 |
| Efficiency ratio | 91.4135% | 489 |
| Assets per employee ($millions) | 3.0865% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,593 |
| Loan loss allowance to noncurrent loans | 162.2924% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 1,137 |
| Noncurrent loans to loans | 0.6345% | 1,480 |
| Net loans and leases to total assets | 82.2310% | 151 |
| Net loans and leases to deposits | 91.7903% | 440 |
| Net loans and leases to core deposits | 95.7932% | 666 |
| Total domestic deposits to total assets | 89.5857% | 1,774 |
| Equity capital to assets | 9.2304% | 2,503 |
| Core capital (leverage) ratio | 8.7824% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1647% | 2,853 |
| Memoranda: | ||
| Average total assets | $115,711,500 | 3,855 |
| Average earning assets | $108,239,500 | 3,833 |
| Average equity | $10,626,500 | 3,990 |
| Average total loans | $91,263,500 | 3,313 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 458 |
| Cost of funding earning assets | 0.3455% | 1,977 |
| Net interest margin | 4.3057% | 401 |
| Noninterest income to average assets | 0.7309% | 1,661 |
| Noninterest expense to average assets | 4.4354% | 222 |
| Loan and lease loss provision to assets | -0.2088% | 4,713 |
| Net operating income to assets | 0.4440% | 4,197 |
| Return on assets (ROA) | 0.4440% | 4,236 |
| Pretax return on assets | 0.5615% | 4,164 |
| Return on Equity (ROE) | 5.1364% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.1364% | 2,733 |
| Net charge-offs to loans | 0.0330% | 1,576 |
| Credit loss provision to net charge-offs | -846.6667% | 3,884 |
| Earnings coverage of net charge-offs (x) | 14.3000% | 2,036 |
| Efficiency ratio | 92.6339% | 257 |
| Assets per employee ($millions) | 3.4478% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,454 |
| Loan loss allowance to noncurrent loans | 153.5831% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 1,278 |
| Noncurrent loans to loans | 0.7006% | 1,439 |
| Net loans and leases to total assets | 73.9610% | 668 |
| Net loans and leases to deposits | 81.9695% | 1,069 |
| Net loans and leases to core deposits | 85.8356% | 1,214 |
| Total domestic deposits to total assets | 90.2298% | 855 |
| Equity capital to assets | 9.1381% | 3,472 |
| Core capital (leverage) ratio | 8.2809% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4845% | 2,455 |
| Memoranda: | ||
| Average total assets | $121,635,000 | 3,781 |
| Average earning assets | $114,615,000 | 3,754 |
| Average equity | $10,513,200 | 4,083 |
| Average total loans | $90,809,600 | 3,325 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 432 |
| Cost of funding earning assets | 0.3672% | 1,964 |
| Net interest margin | 4.4025% | 373 |
| Noninterest income to average assets | 0.7485% | 1,677 |
| Noninterest expense to average assets | 4.4875% | 216 |
| Loan and lease loss provision to assets | -0.2762% | 4,816 |
| Net operating income to assets | 0.5375% | 4,125 |
| Return on assets (ROA) | 0.5366% | 4,172 |
| Pretax return on assets | 0.6779% | 4,107 |
| Return on Equity (ROE) | 6.2947% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.2947% | 2,698 |
| Net charge-offs to loans | 0.0408% | 1,280 |
| Credit loss provision to net charge-offs | -907.1429% | 3,832 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,932 |
| Efficiency ratio | 91.7592% | 280 |
| Assets per employee ($millions) | 3.5018% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,487 |
| Loan loss allowance to noncurrent loans | 145.3846% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 1,528 |
| Noncurrent loans to loans | 0.7496% | 1,499 |
| Net loans and leases to total assets | 66.1923% | 1,519 |
| Net loans and leases to deposits | 75.2342% | 1,744 |
| Net loans and leases to core deposits | 78.5140% | 1,856 |
| Total domestic deposits to total assets | 87.9816% | 1,857 |
| Equity capital to assets | 8.2482% | 4,387 |
| Core capital (leverage) ratio | 8.1618% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0635% | 2,340 |
| Memoranda: | ||
| Average total assets | $122,737,750 | 3,817 |
| Average earning assets | $115,478,250 | 3,782 |
| Average equity | $10,463,500 | 4,142 |
| Average total loans | $91,601,250 | 3,356 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 359 |
| Cost of funding earning assets | 0.4064% | 1,831 |
| Net interest margin | 4.5586% | 321 |
| Noninterest income to average assets | 0.8800% | 1,326 |
| Noninterest expense to average assets | 4.5542% | 213 |
| Loan and lease loss provision to assets | -0.3586% | 4,863 |
| Net operating income to assets | 0.7667% | 3,604 |
| Return on assets (ROA) | 0.7654% | 3,672 |
| Pretax return on assets | 0.9663% | 3,508 |
| Return on Equity (ROE) | 8.8748% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.8748% | 1,745 |
| Net charge-offs to loans | -0.0279% | 4,131 |
| Credit loss provision to net charge-offs | 1,661.5385% | 331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1994% | 394 |
| Assets per employee ($millions) | 3.0527% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,285 |
| Loan loss allowance to noncurrent loans | 137.6344% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 1,326 |
| Noncurrent loans to loans | 0.8217% | 1,495 |
| Net loans and leases to total assets | 75.1930% | 658 |
| Net loans and leases to deposits | 86.4252% | 891 |
| Net loans and leases to core deposits | 90.3614% | 1,116 |
| Total domestic deposits to total assets | 87.0035% | 2,314 |
| Equity capital to assets | 8.9505% | 3,835 |
| Core capital (leverage) ratio | 8.6791% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1251% | 2,316 |
| Memoranda: | ||
| Average total assets | $120,461,000 | 3,848 |
| Average earning assets | $113,193,000 | 3,822 |
| Average equity | $10,389,000 | 4,163 |
| Average total loans | $93,232,000 | 3,351 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 1,169 |
| Cost of funding earning assets | 0.4468% | 1,747 |
| Net interest margin | 3.7676% | 1,207 |
| Noninterest income to average assets | 0.6239% | 2,116 |
| Noninterest expense to average assets | 4.3940% | 220 |
| Loan and lease loss provision to assets | -0.6405% | 4,943 |
| Net operating income to assets | 0.3235% | 4,486 |
| Return on assets (ROA) | 0.3235% | 4,521 |
| Pretax return on assets | 0.4061% | 4,474 |
| Return on Equity (ROE) | 3.8223% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.8223% | 3,556 |
| Net charge-offs to loans | -0.0042% | 3,329 |
| Credit loss provision to net charge-offs | 19,400.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6349% | 137 |
| Assets per employee ($millions) | 3.2735% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,728 |
| Loan loss allowance to noncurrent loans | 97.2719% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 1,039 |
| Noncurrent loans to loans | 1.0582% | 1,271 |
| Net loans and leases to total assets | 79.9265% | 339 |
| Net loans and leases to deposits | 94.5005% | 469 |
| Net loans and leases to core deposits | 100.9155% | 678 |
| Total domestic deposits to total assets | 84.5779% | 3,256 |
| Equity capital to assets | 8.2762% | 4,304 |
| Core capital (leverage) ratio | 8.4399% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4076% | 2,525 |
| Memoranda: | ||
| Average total assets | $121,164,000 | 3,841 |
| Average earning assets | $113,705,000 | 3,815 |
| Average equity | $10,255,500 | 4,188 |
| Average total loans | $94,575,500 | 3,343 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 851 |
| Cost of funding earning assets | 0.8950% | 873 |
| Net interest margin | 3.8291% | 1,423 |
| Noninterest income to average assets | 1.0926% | 895 |
| Noninterest expense to average assets | 4.3876% | 276 |
| Loan and lease loss provision to assets | 0.4095% | 751 |
| Net operating income to assets | -0.1017% | 4,784 |
| Return on assets (ROA) | -0.1523% | 4,820 |
| Pretax return on assets | -0.1712% | 4,817 |
| Return on Equity (ROE) | -1.7712% | 4,840 |
| Retained earnings to average equity (ytd only) | -1.7712% | 4,692 |
| Net charge-offs to loans | 0.1028% | 1,440 |
| Credit loss provision to net charge-offs | 528.8889% | 1,207 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,067 |
| Efficiency ratio | 94.0265% | 267 |
| Assets per employee ($millions) | 3.1874% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,035 |
| Loan loss allowance to noncurrent loans | 112.4656% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 1,061 |
| Noncurrent loans to loans | 1.2301% | 1,130 |
| Net loans and leases to total assets | 74.1654% | 1,004 |
| Net loans and leases to deposits | 86.4982% | 1,213 |
| Net loans and leases to core deposits | 94.0951% | 1,246 |
| Total domestic deposits to total assets | 85.7421% | 2,473 |
| Equity capital to assets | 8.6624% | 4,331 |
| Core capital (leverage) ratio | 8.6728% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9914% | 2,629 |
| Memoranda: | ||
| Average total assets | $116,237,200 | 3,792 |
| Average earning assets | $108,485,600 | 3,790 |
| Average equity | $9,993,000 | 4,194 |
| Average total loans | $87,571,600 | 3,443 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 1,667 |
| Cost of funding earning assets | 0.9504% | 905 |
| Net interest margin | 3.5117% | 2,556 |
| Noninterest income to average assets | 0.7069% | 1,778 |
| Noninterest expense to average assets | 4.3782% | 273 |
| Loan and lease loss provision to assets | 0.5483% | 500 |
| Net operating income to assets | -0.7452% | 4,921 |
| Return on assets (ROA) | -0.7380% | 4,927 |
| Pretax return on assets | -0.9348% | 4,939 |
| Return on Equity (ROE) | -8.6004% | 4,953 |
| Retained earnings to average equity (ytd only) | -8.6004% | 4,910 |
| Net charge-offs to loans | 0.1359% | 1,064 |
| Credit loss provision to net charge-offs | 534.8315% | 1,240 |
| Earnings coverage of net charge-offs (x) | -3.8652% | 3,180 |
| Efficiency ratio | 109.9451% | 113 |
| Assets per employee ($millions) | 3.4074% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,523 |
| Loan loss allowance to noncurrent loans | 81.1096% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 837 |
| Noncurrent loans to loans | 1.5130% | 943 |
| Net loans and leases to total assets | 78.3970% | 785 |
| Net loans and leases to deposits | 102.5014% | 434 |
| Net loans and leases to core deposits | 117.9759% | 455 |
| Total domestic deposits to total assets | 76.4838% | 4,386 |
| Equity capital to assets | 7.7446% | 4,793 |
| Core capital (leverage) ratio | 8.1473% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5297% | 2,781 |
| Memoranda: | ||
| Average total assets | $115,812,750 | 3,790 |
| Average earning assets | $108,018,000 | 3,794 |
| Average equity | $9,937,250 | 4,209 |
| Average total loans | $87,291,000 | 3,464 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 2,282 |
| Cost of funding earning assets | 1.0335% | 889 |
| Net interest margin | 3.3359% | 3,290 |
| Noninterest income to average assets | 0.5463% | 2,366 |
| Noninterest expense to average assets | 4.6000% | 240 |
| Loan and lease loss provision to assets | 0.8061% | 304 |
| Net operating income to assets | -1.3903% | 4,989 |
| Return on assets (ROA) | -1.3791% | 4,990 |
| Pretax return on assets | -1.7439% | 4,998 |
| Return on Equity (ROE) | -15.5078% | 5,020 |
| Retained earnings to average equity (ytd only) | -15.5078% | 4,987 |
| Net charge-offs to loans | 0.2216% | 700 |
| Credit loss provision to net charge-offs | 492.3913% | 1,251 |
| Earnings coverage of net charge-offs (x) | -5.8152% | 2,978 |
| Efficiency ratio | 126.0976% | 74 |
| Assets per employee ($millions) | 3.4954% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,312 |
| Loan loss allowance to noncurrent loans | 100.0833% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.9286% | 1,322 |
| Noncurrent loans to loans | 1.2378% | 1,254 |
| Net loans and leases to total assets | 74.0963% | 1,399 |
| Net loans and leases to deposits | 100.2742% | 531 |
| Net loans and leases to core deposits | 112.3186% | 653 |
| Total domestic deposits to total assets | 73.8937% | 4,602 |
| Equity capital to assets | 7.4368% | 4,896 |
| Core capital (leverage) ratio | 7.7470% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8386% | 2,676 |
| Memoranda: | ||
| Average total assets | $112,392,000 | 3,829 |
| Average earning assets | $104,499,667 | 3,833 |
| Average equity | $9,995,000 | 4,218 |
| Average total loans | $83,032,333 | 3,534 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,873 |
| Cost of funding earning assets | 1.1631% | 867 |
| Net interest margin | 3.4810% | 3,043 |
| Noninterest income to average assets | 0.4080% | 3,040 |
| Noninterest expense to average assets | 5.3616% | 185 |
| Loan and lease loss provision to assets | 0.0385% | 3,290 |
| Net operating income to assets | -1.4023% | 5,018 |
| Return on assets (ROA) | -1.3779% | 5,002 |
| Pretax return on assets | -1.7474% | 5,009 |
| Return on Equity (ROE) | -14.0620% | 5,030 |
| Retained earnings to average equity (ytd only) | -14.0620% | 4,876 |
| Net charge-offs to loans | 0.4893% | 297 |
| Credit loss provision to net charge-offs | 10.7527% | 2,230 |
| Earnings coverage of net charge-offs (x) | -4.8602% | 2,518 |
| Efficiency ratio | 148.0340% | 60 |
| Assets per employee ($millions) | 3.0165% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,712 |
| Loan loss allowance to noncurrent loans | 84.2222% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 1,572 |
| Noncurrent loans to loans | 1.1878% | 1,377 |
| Net loans and leases to total assets | 71.0483% | 2,084 |
| Net loans and leases to deposits | 86.0157% | 1,999 |
| Net loans and leases to core deposits | 100.0333% | 1,470 |
| Total domestic deposits to total assets | 82.5993% | 3,235 |
| Equity capital to assets | 9.4927% | 4,229 |
| Core capital (leverage) ratio | 8.9972% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7907% | 2,803 |
| Memoranda: | ||
| Average total assets | $103,923,500 | 3,935 |
| Average earning assets | $95,949,000 | 3,926 |
| Average equity | $10,183,500 | 4,219 |
| Average total loans | $76,033,500 | 3,643 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 1,277 |
| Cost of funding earning assets | 1.2210% | 975 |
| Net interest margin | 3.8526% | 2,325 |
| Noninterest income to average assets | 0.5583% | 2,432 |
| Noninterest expense to average assets | 4.2849% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4691% | 4,469 |
| Return on assets (ROA) | 0.4691% | 4,512 |
| Pretax return on assets | -0.1372% | 5,011 |
| Return on Equity (ROE) | 4.8276% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.8276% | 2,517 |
| Net charge-offs to loans | 0.0544% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -3.4048% | 3,672 |
| Efficiency ratio | 103.3071% | 135 |
| Assets per employee ($millions) | 3.1960% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 2,945 |
| Loan loss allowance to noncurrent loans | 90.6250% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9074% | 1,405 |
| Noncurrent loans to loans | 1.2163% | 1,233 |
| Net loans and leases to total assets | 73.7824% | 1,791 |
| Net loans and leases to deposits | 90.4978% | 1,534 |
| Net loans and leases to core deposits | 103.7965% | 1,244 |
| Total domestic deposits to total assets | 81.5295% | 3,636 |
| Equity capital to assets | 10.1153% | 3,820 |
| Core capital (leverage) ratio | 9.4203% | 4,143 |
| Tier 1 risk-based capital ratio | 12.1332% | 4,282 |
| Total risk-based capital ratio | 13.1843% | 4,277 |
| Memoranda: | ||
| Average total assets | $104,250,800 | 3,932 |
| Average earning assets | $97,129,800 | 3,926 |
| Average equity | $10,129,200 | 4,222 |
| Average total loans | $77,274,400 | 3,648 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1278% | 1,223 |
| Cost of funding earning assets | 1.2226% | 976 |
| Net interest margin | 3.9052% | 2,233 |
| Noninterest income to average assets | 0.4939% | 2,769 |
| Noninterest expense to average assets | 3.9892% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9025% | 3,336 |
| Return on assets (ROA) | 0.9025% | 3,411 |
| Pretax return on assets | 0.1477% | 5,016 |
| Return on Equity (ROE) | 9.3825% | 2,726 |
| Retained earnings to average equity (ytd only) | 9.3825% | 933 |
| Net charge-offs to loans | 0.0722% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.7618% | 3,167 |
| Efficiency ratio | 96.4308% | 197 |
| Assets per employee ($millions) | 3.4485% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,087 |
| Loan loss allowance to noncurrent loans | 84.6076% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 1,403 |
| Noncurrent loans to loans | 1.2861% | 1,207 |
| Net loans and leases to total assets | 73.8918% | 1,837 |
| Net loans and leases to deposits | 90.3807% | 1,651 |
| Net loans and leases to core deposits | 103.4355% | 1,375 |
| Total domestic deposits to total assets | 81.7561% | 3,548 |
| Equity capital to assets | 10.2277% | 3,795 |
| Core capital (leverage) ratio | 9.4977% | 4,165 |
| Tier 1 risk-based capital ratio | 12.5250% | 4,129 |
| Total risk-based capital ratio | 13.5807% | 4,119 |
| Memoranda: | ||
| Average total assets | $104,745,750 | 3,966 |
| Average earning assets | $97,712,500 | 3,947 |
| Average equity | $10,075,250 | 4,278 |
| Average total loans | $77,518,250 | 3,685 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 1,267 |
| Cost of funding earning assets | 1.2070% | 970 |
| Net interest margin | 3.8746% | 2,325 |
| Noninterest income to average assets | 0.4450% | 2,984 |
| Noninterest expense to average assets | 3.8792% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1978% | 5,001 |
| Return on assets (ROA) | 0.1978% | 5,008 |
| Pretax return on assets | 0.1978% | 5,028 |
| Return on Equity (ROE) | 2.0996% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.0996% | 4,083 |
| Net charge-offs to loans | -0.0026% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1493% | 214 |
| Assets per employee ($millions) | 3.5422% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 2,914 |
| Loan loss allowance to noncurrent loans | 74.4108% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1180% | 1,209 |
| Noncurrent loans to loans | 1.5165% | 1,016 |
| Net loans and leases to total assets | 72.8876% | 2,083 |
| Net loans and leases to deposits | 87.9030% | 2,021 |
| Net loans and leases to core deposits | 100.3433% | 1,695 |
| Total domestic deposits to total assets | 82.9182% | 3,228 |
| Equity capital to assets | 9.3982% | 4,502 |
| Core capital (leverage) ratio | 9.2837% | 4,376 |
| Tier 1 risk-based capital ratio | 12.3760% | 4,198 |
| Total risk-based capital ratio | 13.4736% | 4,156 |
| Memoranda: | ||
| Average total assets | $105,176,330 | 3,976 |
| Average earning assets | $98,589,670 | 3,952 |
| Average equity | $9,906,670 | 4,312 |
| Average total loans | $77,596,000 | 3,703 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 1,547 |
| Cost of funding earning assets | 1.1666% | 996 |
| Net interest margin | 3.7527% | 2,702 |
| Noninterest income to average assets | 0.4052% | 3,151 |
| Noninterest expense to average assets | 3.7847% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1376% | 5,064 |
| Return on assets (ROA) | 0.1376% | 5,071 |
| Pretax return on assets | 0.1376% | 5,078 |
| Return on Equity (ROE) | 1.4595% | 5,032 |
| Retained earnings to average equity (ytd only) | 1.4595% | 4,210 |
| Net charge-offs to loans | -0.0311% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4912% | 220 |
| Assets per employee ($millions) | 3.6833% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,891 |
| Loan loss allowance to noncurrent loans | 73.4104% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 1,168 |
| Noncurrent loans to loans | 1.5583% | 1,027 |
| Net loans and leases to total assets | 71.9244% | 2,178 |
| Net loans and leases to deposits | 86.6182% | 2,055 |
| Net loans and leases to core deposits | 100.3828% | 1,588 |
| Total domestic deposits to total assets | 83.0361% | 3,371 |
| Equity capital to assets | 9.2656% | 4,468 |
| Core capital (leverage) ratio | 9.4112% | 4,243 |
| Tier 1 risk-based capital ratio | 12.3346% | 4,279 |
| Total risk-based capital ratio | 13.4425% | 4,233 |
| Memoranda: | ||
| Average total assets | $104,632,000 | 4,029 |
| Average earning assets | $98,063,000 | 4,003 |
| Average equity | $9,866,500 | 4,345 |
| Average total loans | $77,225,000 | 3,747 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,951 |
| Cost of funding earning assets | 0.8683% | 1,230 |
| Net interest margin | 3.7929% | 2,683 |
| Noninterest income to average assets | 0.5090% | 2,783 |
| Noninterest expense to average assets | 4.0194% | 519 |
| Loan and lease loss provision to assets | -0.0422% | 5,180 |
| Net operating income to assets | 0.0717% | 5,201 |
| Return on assets (ROA) | 0.0717% | 5,194 |
| Pretax return on assets | 0.0717% | 5,196 |
| Return on Equity (ROE) | 0.7026% | 5,187 |
| Retained earnings to average equity (ytd only) | 0.7026% | 4,802 |
| Net charge-offs to loans | 0.1072% | 1,675 |
| Credit loss provision to net charge-offs | -56.3380% | 4,340 |
| Earnings coverage of net charge-offs (x) | 0.3944% | 3,699 |
| Efficiency ratio | 99.2712% | 151 |
| Assets per employee ($millions) | 3.5327% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,825 |
| Loan loss allowance to noncurrent loans | 71.3247% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 1,043 |
| Noncurrent loans to loans | 1.6133% | 905 |
| Net loans and leases to total assets | 74.0388% | 1,928 |
| Net loans and leases to deposits | 89.8997% | 1,813 |
| Net loans and leases to core deposits | 103.2197% | 1,488 |
| Total domestic deposits to total assets | 82.3571% | 3,533 |
| Equity capital to assets | 9.6009% | 4,045 |
| Core capital (leverage) ratio | 9.8694% | 3,724 |
| Tier 1 risk-based capital ratio | 12.5562% | 4,099 |
| Total risk-based capital ratio | 13.6834% | 4,050 |
| Memoranda: | ||
| Average total assets | $94,890,000 | 4,187 |
| Average earning assets | $88,559,600 | 4,175 |
| Average equity | $9,678,800 | 4,354 |
| Average total loans | $66,254,600 | 3,960 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 2,063 |
| Cost of funding earning assets | 0.8230% | 1,224 |
| Net interest margin | 3.7505% | 2,823 |
| Noninterest income to average assets | 0.5204% | 2,740 |
| Noninterest expense to average assets | 4.1045% | 455 |
| Loan and lease loss provision to assets | -0.0573% | 5,303 |
| Net operating income to assets | -0.0315% | 5,309 |
| Return on assets (ROA) | -0.0315% | 5,306 |
| Pretax return on assets | -0.0315% | 5,306 |
| Return on Equity (ROE) | -0.3043% | 5,309 |
| Retained earnings to average equity (ytd only) | -0.3043% | 5,076 |
| Net charge-offs to loans | 0.0482% | 2,140 |
| Credit loss provision to net charge-offs | -173.9130% | 4,303 |
| Earnings coverage of net charge-offs (x) | -2.6951% | 3,446 |
| Efficiency ratio | 102.2135% | 124 |
| Assets per employee ($millions) | 3.8282% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,277 |
| Loan loss allowance to noncurrent loans | 76.3547% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 1,112 |
| Noncurrent loans to loans | 1.6582% | 943 |
| Net loans and leases to total assets | 72.8615% | 2,196 |
| Net loans and leases to deposits | 88.9306% | 2,031 |
| Net loans and leases to core deposits | 102.9893% | 1,532 |
| Total domestic deposits to total assets | 81.9308% | 3,633 |
| Equity capital to assets | 9.7655% | 3,852 |
| Core capital (leverage) ratio | 10.0007% | 3,635 |
| Tier 1 risk-based capital ratio | 12.9563% | 3,936 |
| Total risk-based capital ratio | 14.2008% | 3,838 |
| Memoranda: | ||
| Average total assets | $93,000,250 | 4,264 |
| Average earning assets | $86,670,250 | 4,256 |
| Average equity | $9,639,500 | 4,399 |
| Average total loans | $63,634,500 | 4,050 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,320 |
| Cost of funding earning assets | 0.7739% | 1,263 |
| Net interest margin | 3.6566% | 3,089 |
| Noninterest income to average assets | 0.5307% | 2,679 |
| Noninterest expense to average assets | 4.1576% | 436 |
| Loan and lease loss provision to assets | -0.0881% | 5,414 |
| Net operating income to assets | -0.1365% | 5,387 |
| Return on assets (ROA) | -0.1365% | 5,384 |
| Pretax return on assets | -0.1365% | 5,382 |
| Return on Equity (ROE) | -1.2900% | 5,388 |
| Retained earnings to average equity (ytd only) | -1.2900% | 5,099 |
| Net charge-offs to loans | 0.0828% | 1,499 |
| Credit loss provision to net charge-offs | -160.0000% | 4,153 |
| Earnings coverage of net charge-offs (x) | -4.0800% | 3,172 |
| Efficiency ratio | 105.7111% | 115 |
| Assets per employee ($millions) | 3.3630% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,469 |
| Loan loss allowance to noncurrent loans | 72.6349% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 872 |
| Noncurrent loans to loans | 2.0308% | 731 |
| Net loans and leases to total assets | 65.8978% | 3,170 |
| Net loans and leases to deposits | 81.3391% | 2,833 |
| Net loans and leases to core deposits | 95.8910% | 2,067 |
| Total domestic deposits to total assets | 81.0161% | 3,997 |
| Equity capital to assets | 10.2884% | 3,349 |
| Core capital (leverage) ratio | 10.5677% | 2,960 |
| Tier 1 risk-based capital ratio | 15.3630% | 2,702 |
| Total risk-based capital ratio | 16.6164% | 2,632 |
| Memoranda: | ||
| Average total assets | $90,822,330 | 4,338 |
| Average earning assets | $84,504,330 | 4,324 |
| Average equity | $9,612,670 | 4,436 |
| Average total loans | $60,362,000 | 4,159 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 2,180 |
| Cost of funding earning assets | 0.7437% | 1,217 |
| Net interest margin | 3.6606% | 2,956 |
| Noninterest income to average assets | 0.5294% | 2,633 |
| Noninterest expense to average assets | 4.2265% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2961% | 5,470 |
| Return on assets (ROA) | -0.2961% | 5,464 |
| Pretax return on assets | -0.2961% | 5,466 |
| Return on Equity (ROE) | -2.7572% | 5,462 |
| Retained earnings to average equity (ytd only) | -2.7572% | 5,065 |
| Net charge-offs to loans | 0.1287% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -3.4737% | 2,684 |
| Efficiency ratio | 107.5342% | 118 |
| Assets per employee ($millions) | 3.3604% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 1,075 |
| Loan loss allowance to noncurrent loans | 79.1396% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.7304% | 726 |
| Noncurrent loans to loans | 2.0737% | 753 |
| Net loans and leases to total assets | 64.4047% | 3,257 |
| Net loans and leases to deposits | 80.2469% | 2,783 |
| Net loans and leases to core deposits | 94.2576% | 2,116 |
| Total domestic deposits to total assets | 80.2581% | 4,376 |
| Equity capital to assets | 10.7064% | 2,861 |
| Core capital (leverage) ratio | 11.1289% | 2,311 |
| Tier 1 risk-based capital ratio | 16.5351% | 2,261 |
| Total risk-based capital ratio | 17.7909% | 2,209 |
| Memoranda: | ||
| Average total assets | $89,151,500 | 4,411 |
| Average earning assets | $82,827,500 | 4,395 |
| Average equity | $9,575,000 | 4,487 |
| Average total loans | $59,052,500 | 4,222 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,592 |
| Cost of funding earning assets | 0.5786% | 1,753 |
| Net interest margin | 3.9592% | 1,884 |
| Noninterest income to average assets | 0.7211% | 1,879 |
| Noninterest expense to average assets | 4.7089% | 264 |
| Loan and lease loss provision to assets | 0.1855% | 1,148 |
| Net operating income to assets | -0.5257% | 5,536 |
| Return on assets (ROA) | -0.5257% | 5,536 |
| Pretax return on assets | -0.5257% | 5,551 |
| Return on Equity (ROE) | -5.5787% | 5,548 |
| Retained earnings to average equity (ytd only) | -5.5787% | 5,454 |
| Net charge-offs to loans | 0.7705% | 267 |
| Credit loss provision to net charge-offs | 35.2941% | 3,486 |
| Earnings coverage of net charge-offs (x) | -0.6471% | 4,037 |
| Efficiency ratio | 107.7860% | 114 |
| Assets per employee ($millions) | 3.1276% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 957 |
| Loan loss allowance to noncurrent loans | 98.9055% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 881 |
| Noncurrent loans to loans | 1.7122% | 950 |
| Net loans and leases to total assets | 65.8898% | 3,117 |
| Net loans and leases to deposits | 83.6283% | 2,534 |
| Net loans and leases to core deposits | 83.9336% | 3,057 |
| Total domestic deposits to total assets | 78.7889% | 4,580 |
| Equity capital to assets | 10.7751% | 2,868 |
| Core capital (leverage) ratio | 10.9252% | 2,404 |
| Tier 1 risk-based capital ratio | 16.5525% | 2,250 |
| Total risk-based capital ratio | 17.8087% | 2,185 |
| Memoranda: | ||
| Average total assets | $80,846,200 | 4,572 |
| Average earning assets | $74,484,400 | 4,577 |
| Average equity | $7,618,200 | 4,840 |
| Average total loans | $55,160,000 | 4,322 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 1,595 |
| Cost of funding earning assets | 0.5182% | 2,124 |
| Net interest margin | 3.9991% | 1,705 |
| Noninterest income to average assets | 0.7377% | 1,843 |
| Noninterest expense to average assets | 4.8488% | 239 |
| Loan and lease loss provision to assets | 0.2863% | 563 |
| Net operating income to assets | -0.7192% | 5,651 |
| Return on assets (ROA) | -0.7192% | 5,651 |
| Pretax return on assets | -0.7192% | 5,645 |
| Return on Equity (ROE) | -7.9472% | 5,657 |
| Retained earnings to average equity (ytd only) | -7.9472% | 5,593 |
| Net charge-offs to loans | 0.7935% | 233 |
| Credit loss provision to net charge-offs | 52.6316% | 2,881 |
| Earnings coverage of net charge-offs (x) | -0.7957% | 3,715 |
| Efficiency ratio | 109.8017% | 100 |
| Assets per employee ($millions) | 3.0714% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0111% | 561 |
| Loan loss allowance to noncurrent loans | 96.7938% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 670 |
| Noncurrent loans to loans | 2.0777% | 806 |
| Net loans and leases to total assets | 63.2856% | 3,516 |
| Net loans and leases to deposits | 77.8935% | 3,175 |
| Net loans and leases to core deposits | 78.1879% | 3,615 |
| Total domestic deposits to total assets | 81.2463% | 3,983 |
| Equity capital to assets | 8.1385% | 5,463 |
| Core capital (leverage) ratio | 8.3821% | 5,325 |
| Tier 1 risk-based capital ratio | 13.3095% | 3,819 |
| Total risk-based capital ratio | 14.5706% | 3,723 |
| Memoranda: | ||
| Average total assets | $79,164,750 | 4,650 |
| Average earning assets | $72,814,750 | 4,650 |
| Average equity | $7,163,750 | 4,970 |
| Average total loans | $54,276,250 | 4,388 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 1,477 |
| Cost of funding earning assets | 0.4676% | 2,433 |
| Net interest margin | 4.0494% | 1,462 |
| Noninterest income to average assets | 0.7049% | 1,961 |
| Noninterest expense to average assets | 5.0958% | 211 |
| Loan and lease loss provision to assets | 0.4422% | 279 |
| Net operating income to assets | -1.1159% | 5,723 |
| Return on assets (ROA) | -1.1159% | 5,723 |
| Pretax return on assets | -1.1159% | 5,720 |
| Return on Equity (ROE) | -11.8858% | 5,727 |
| Retained earnings to average equity (ytd only) | -11.8858% | 5,676 |
| Net charge-offs to loans | 0.6796% | 286 |
| Credit loss provision to net charge-offs | 92.8962% | 2,112 |
| Earnings coverage of net charge-offs (x) | -1.4153% | 3,436 |
| Efficiency ratio | 115.2353% | 80 |
| Assets per employee ($millions) | 2.8309% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2375% | 407 |
| Loan loss allowance to noncurrent loans | 88.8339% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2474% | 522 |
| Noncurrent loans to loans | 2.5188% | 591 |
| Net loans and leases to total assets | 66.8985% | 2,967 |
| Net loans and leases to deposits | 80.8482% | 2,826 |
| Net loans and leases to core deposits | 81.1612% | 3,331 |
| Total domestic deposits to total assets | 82.7458% | 3,643 |
| Equity capital to assets | 8.5680% | 5,253 |
| Core capital (leverage) ratio | 8.7929% | 4,956 |
| Tier 1 risk-based capital ratio | 13.5285% | 3,688 |
| Total risk-based capital ratio | 14.7921% | 3,591 |
| Memoranda: | ||
| Average total assets | $76,886,670 | 4,727 |
| Average earning assets | $70,579,000 | 4,739 |
| Average equity | $7,218,670 | 4,977 |
| Average total loans | $53,854,330 | 4,425 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 1,142 |
| Cost of funding earning assets | 0.4007% | 2,990 |
| Net interest margin | 4.2016% | 988 |
| Noninterest income to average assets | 0.8939% | 1,263 |
| Noninterest expense to average assets | 5.3580% | 201 |
| Loan and lease loss provision to assets | 0.9154% | 97 |
| Net operating income to assets | -1.5401% | 5,802 |
| Return on assets (ROA) | -1.5401% | 5,802 |
| Pretax return on assets | -1.5401% | 5,799 |
| Return on Equity (ROE) | -15.6477% | 5,800 |
| Retained earnings to average equity (ytd only) | -15.6477% | 5,673 |
| Net charge-offs to loans | 0.6377% | 281 |
| Credit loss provision to net charge-offs | 202.3810% | 1,009 |
| Earnings coverage of net charge-offs (x) | -1.3810% | 2,882 |
| Efficiency ratio | 113.1968% | 97 |
| Assets per employee ($millions) | 2.6790% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 337 |
| Loan loss allowance to noncurrent loans | 70.9796% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.0532% | 325 |
| Noncurrent loans to loans | 3.4392% | 362 |
| Net loans and leases to total assets | 69.7027% | 2,440 |
| Net loans and leases to deposits | 82.7987% | 2,418 |
| Net loans and leases to core deposits | 83.1304% | 2,985 |
| Total domestic deposits to total assets | 84.1833% | 3,405 |
| Equity capital to assets | 9.2264% | 4,591 |
| Core capital (leverage) ratio | 9.8871% | 3,641 |
| Tier 1 risk-based capital ratio | 13.8178% | 3,592 |
| Total risk-based capital ratio | 15.0837% | 3,492 |
| Memoranda: | ||
| Average total assets | $74,282,000 | 4,825 |
| Average earning assets | $67,878,500 | 4,835 |
| Average equity | $7,311,000 | 4,995 |
| Average total loans | $52,692,500 | 4,492 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 918 |
| Cost of funding earning assets | 0.3738% | 3,277 |
| Net interest margin | 4.4081% | 763 |
| Noninterest income to average assets | 0.5230% | 3,081 |
| Noninterest expense to average assets | 5.7258% | 183 |
| Loan and lease loss provision to assets | 0.8950% | 121 |
| Net operating income to assets | -2.1337% | 5,882 |
| Return on assets (ROA) | -2.1337% | 5,882 |
| Pretax return on assets | -2.1337% | 5,878 |
| Return on Equity (ROE) | -33.4364% | 5,894 |
| Retained earnings to average equity (ytd only) | -33.4364% | 5,888 |
| Net charge-offs to loans | 1.2535% | 133 |
| Credit loss provision to net charge-offs | 98.8449% | 2,632 |
| Earnings coverage of net charge-offs (x) | -1.3680% | 4,182 |
| Efficiency ratio | 127.6057% | 67 |
| Assets per employee ($millions) | 2.6250% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5442% | 291 |
| Loan loss allowance to noncurrent loans | 68.7432% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 3.2396% | 282 |
| Noncurrent loans to loans | 3.7010% | 309 |
| Net loans and leases to total assets | 68.5851% | 2,689 |
| Net loans and leases to deposits | 78.0880% | 3,091 |
| Net loans and leases to core deposits | 78.4155% | 3,543 |
| Total domestic deposits to total assets | 87.8305% | 1,722 |
| Equity capital to assets | 10.5173% | 3,136 |
| Core capital (leverage) ratio | 10.6766% | 2,684 |
| Tier 1 risk-based capital ratio | 14.9542% | 2,984 |
| Total risk-based capital ratio | 16.2212% | 2,914 |
| Memoranda: | ||
| Average total assets | $66,925,600 | 4,987 |
| Average earning assets | $60,184,800 | 5,012 |
| Average equity | $4,270,800 | 5,595 |
| Average total loans | $48,345,200 | 4,623 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 776 |
| Cost of funding earning assets | 0.3783% | 3,246 |
| Net interest margin | 4.4925% | 646 |
| Noninterest income to average assets | 0.8614% | 1,544 |
| Noninterest expense to average assets | 5.6637% | 191 |
| Loan and lease loss provision to assets | 0.9362% | 110 |
| Net operating income to assets | -1.7046% | 5,937 |
| Return on assets (ROA) | -1.7046% | 5,937 |
| Pretax return on assets | -1.7046% | 5,934 |
| Return on Equity (ROE) | -32.3445% | 5,959 |
| Retained earnings to average equity (ytd only) | -32.3445% | 5,947 |
| Net charge-offs to loans | 1.6513% | 78 |
| Credit loss provision to net charge-offs | 77.9461% | 2,690 |
| Earnings coverage of net charge-offs (x) | -0.6397% | 3,843 |
| Efficiency ratio | 115.6960% | 97 |
| Assets per employee ($millions) | 2.4245% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4094% | 372 |
| Loan loss allowance to noncurrent loans | 94.4765% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.9529% | 396 |
| Noncurrent loans to loans | 2.5503% | 676 |
| Net loans and leases to total assets | 70.9068% | 2,361 |
| Net loans and leases to deposits | 74.5882% | 3,539 |
| Net loans and leases to core deposits | 74.9000% | 3,931 |
| Total domestic deposits to total assets | 95.0643% | 12 |
| Equity capital to assets | 4.7738% | 5,953 |
| Core capital (leverage) ratio | 4.5118% | 5,954 |
| Tier 1 risk-based capital ratio | 6.0831% | 5,960 |
| Total risk-based capital ratio | 7.3466% | 5,961 |
| Memoranda: | ||
| Average total assets | $65,938,500 | 5,053 |
| Average earning assets | $59,207,750 | 5,086 |
| Average equity | $3,475,000 | 5,765 |
| Average total loans | $47,962,000 | 4,671 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 1,041 |
| Cost of funding earning assets | 0.3759% | 3,292 |
| Net interest margin | 4.3298% | 872 |
| Noninterest income to average assets | 0.8624% | 1,504 |
| Noninterest expense to average assets | 5.5494% | 207 |
| Loan and lease loss provision to assets | 0.9925% | 102 |
| Net operating income to assets | -1.7762% | 6,008 |
| Return on assets (ROA) | -1.7762% | 6,008 |
| Pretax return on assets | -1.7762% | 6,006 |
| Return on Equity (ROE) | -32.6867% | 6,032 |
| Retained earnings to average equity (ytd only) | -32.6867% | 6,012 |
| Net charge-offs to loans | 1.2309% | 136 |
| Credit loss provision to net charge-offs | 110.8108% | 1,951 |
| Earnings coverage of net charge-offs (x) | -0.8750% | 3,581 |
| Efficiency ratio | 116.4444% | 106 |
| Assets per employee ($millions) | 2.6482% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7652% | 259 |
| Loan loss allowance to noncurrent loans | 66.2278% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 3.6477% | 281 |
| Noncurrent loans to loans | 4.1752% | 268 |
| Net loans and leases to total assets | 69.4726% | 2,559 |
| Net loans and leases to deposits | 73.3865% | 3,669 |
| Net loans and leases to core deposits | 73.6899% | 4,009 |
| Total domestic deposits to total assets | 94.6666% | 14 |
| Equity capital to assets | 5.1068% | 6,029 |
| Core capital (leverage) ratio | 5.1057% | 6,025 |
| Tier 1 risk-based capital ratio | 7.0940% | 6,031 |
| Total risk-based capital ratio | 8.3634% | 6,031 |
| Memoranda: | ||
| Average total assets | $66,097,330 | 5,098 |
| Average earning assets | $59,587,670 | 5,124 |
| Average equity | $3,591,670 | 5,817 |
| Average total loans | $48,095,000 | 4,711 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 1,039 |
| Cost of funding earning assets | 0.3671% | 3,429 |
| Net interest margin | 4.3388% | 850 |
| Noninterest income to average assets | 0.8782% | 1,365 |
| Noninterest expense to average assets | 5.6085% | 203 |
| Loan and lease loss provision to assets | 0.1817% | 1,112 |
| Net operating income to assets | -0.9751% | 6,025 |
| Return on assets (ROA) | -0.9751% | 6,027 |
| Pretax return on assets | -0.9751% | 6,018 |
| Return on Equity (ROE) | -17.4195% | 6,060 |
| Retained earnings to average equity (ytd only) | -17.4195% | 5,936 |
| Net charge-offs to loans | 0.6434% | 340 |
| Credit loss provision to net charge-offs | 38.4615% | 2,156 |
| Earnings coverage of net charge-offs (x) | -1.6795% | 3,017 |
| Efficiency ratio | 116.4780% | 122 |
| Assets per employee ($millions) | 2.5075% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5424% | 374 |
| Loan loss allowance to noncurrent loans | 80.2219% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.9634% | 428 |
| Noncurrent loans to loans | 3.1692% | 487 |
| Net loans and leases to total assets | 72.2632% | 1,991 |
| Net loans and leases to deposits | 76.9150% | 3,118 |
| Net loans and leases to core deposits | 77.2391% | 3,571 |
| Total domestic deposits to total assets | 93.9520% | 21 |
| Equity capital to assets | 5.8394% | 6,074 |
| Core capital (leverage) ratio | 5.8322% | 6,069 |
| Tier 1 risk-based capital ratio | 7.8445% | 6,081 |
| Total risk-based capital ratio | 9.1096% | 6,080 |
| Memoranda: | ||
| Average total assets | $66,043,000 | 5,151 |
| Average earning assets | $59,924,000 | 5,163 |
| Average equity | $3,697,000 | 5,857 |
| Average total loans | $48,491,000 | 4,722 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 745 |
| Cost of funding earning assets | 0.4227% | 2,913 |
| Net interest margin | 4.4903% | 670 |
| Noninterest income to average assets | 0.7610% | 1,931 |
| Noninterest expense to average assets | 5.2099% | 243 |
| Loan and lease loss provision to assets | 1.5996% | 45 |
| Net operating income to assets | -2.0135% | 6,139 |
| Return on assets (ROA) | -2.0135% | 6,140 |
| Pretax return on assets | -2.0135% | 6,137 |
| Return on Equity (ROE) | -32.4826% | 6,158 |
| Retained earnings to average equity (ytd only) | -32.4826% | 6,151 |
| Net charge-offs to loans | 1.4962% | 103 |
| Credit loss provision to net charge-offs | 150.8344% | 1,761 |
| Earnings coverage of net charge-offs (x) | -0.3902% | 4,298 |
| Efficiency ratio | 108.6290% | 152 |
| Assets per employee ($millions) | 2.3066% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6254% | 347 |
| Loan loss allowance to noncurrent loans | 81.9641% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.8360% | 489 |
| Noncurrent loans to loans | 3.2031% | 474 |
| Net loans and leases to total assets | 70.8077% | 2,246 |
| Net loans and leases to deposits | 75.0713% | 3,376 |
| Net loans and leases to core deposits | 75.3784% | 3,811 |
| Total domestic deposits to total assets | 94.3206% | 21 |
| Equity capital to assets | 5.3625% | 6,137 |
| Core capital (leverage) ratio | 5.0402% | 6,145 |
| Tier 1 risk-based capital ratio | 7.2257% | 6,143 |
| Total risk-based capital ratio | 8.4928% | 6,143 |
| Memoranda: | ||
| Average total assets | $73,455,800 | 5,002 |
| Average earning assets | $66,009,400 | 5,041 |
| Average equity | $4,553,200 | 5,750 |
| Average total loans | $52,066,400 | 4,608 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 763 |
| Cost of funding earning assets | 0.4279% | 2,930 |
| Net interest margin | 4.4729% | 692 |
| Noninterest income to average assets | 0.6871% | 2,294 |
| Noninterest expense to average assets | 4.8310% | 324 |
| Loan and lease loss provision to assets | 1.2073% | 51 |
| Net operating income to assets | -1.3422% | 6,210 |
| Return on assets (ROA) | -1.3422% | 6,209 |
| Pretax return on assets | -1.3422% | 6,206 |
| Return on Equity (ROE) | -21.0224% | 6,223 |
| Retained earnings to average equity (ytd only) | -21.0224% | 6,204 |
| Net charge-offs to loans | 0.6122% | 367 |
| Credit loss provision to net charge-offs | 279.8354% | 1,031 |
| Earnings coverage of net charge-offs (x) | -0.3128% | 4,018 |
| Efficiency ratio | 102.8733% | 233 |
| Assets per employee ($millions) | 2.6184% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5851% | 391 |
| Loan loss allowance to noncurrent loans | 104.7695% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.4429% | 719 |
| Noncurrent loans to loans | 2.4674% | 829 |
| Net loans and leases to total assets | 67.7437% | 2,719 |
| Net loans and leases to deposits | 73.2325% | 3,624 |
| Net loans and leases to core deposits | 73.7895% | 4,031 |
| Total domestic deposits to total assets | 92.5050% | 64 |
| Equity capital to assets | 5.8487% | 6,206 |
| Core capital (leverage) ratio | 5.7707% | 6,209 |
| Tier 1 risk-based capital ratio | 8.1978% | 6,214 |
| Total risk-based capital ratio | 9.4634% | 6,215 |
| Memoranda: | ||
| Average total assets | $75,097,000 | 5,024 |
| Average earning assets | $67,307,000 | 5,065 |
| Average equity | $4,794,750 | 5,778 |
| Average total loans | $52,922,750 | 4,635 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 705 |
| Cost of funding earning assets | 0.4454% | 2,779 |
| Net interest margin | 4.4716% | 670 |
| Noninterest income to average assets | 0.6791% | 2,302 |
| Noninterest expense to average assets | 4.8011% | 333 |
| Loan and lease loss provision to assets | 0.5285% | 184 |
| Net operating income to assets | -0.6447% | 6,215 |
| Return on assets (ROA) | -0.6447% | 6,223 |
| Pretax return on assets | -0.6447% | 6,208 |
| Return on Equity (ROE) | -9.8314% | 6,258 |
| Retained earnings to average equity (ytd only) | -9.8314% | 6,176 |
| Net charge-offs to loans | -0.3547% | 6,153 |
| Credit loss provision to net charge-offs | -210.5263% | 5,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4817% | 278 |
| Assets per employee ($millions) | 2.6746% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 694 |
| Loan loss allowance to noncurrent loans | 70.9541% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 3.5796% | 397 |
| Noncurrent loans to loans | 3.1560% | 607 |
| Net loans and leases to total assets | 71.0323% | 2,158 |
| Net loans and leases to deposits | 77.7177% | 3,069 |
| Net loans and leases to core deposits | 78.6230% | 3,518 |
| Total domestic deposits to total assets | 91.3979% | 206 |
| Equity capital to assets | 6.6482% | 6,235 |
| Core capital (leverage) ratio | 6.5107% | 6,241 |
| Tier 1 risk-based capital ratio | 9.0501% | 6,251 |
| Total risk-based capital ratio | 10.3112% | 6,230 |
| Memoranda: | ||
| Average total assets | $75,690,670 | 5,058 |
| Average earning assets | $67,806,330 | 5,106 |
| Average equity | $4,963,670 | 5,788 |
| Average total loans | $53,568,670 | 4,657 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 511 |
| Cost of funding earning assets | 0.4642% | 2,628 |
| Net interest margin | 4.6019% | 495 |
| Noninterest income to average assets | 0.5889% | 2,706 |
| Noninterest expense to average assets | 4.7321% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0052% | 6,011 |
| Return on assets (ROA) | 0.0052% | 6,049 |
| Pretax return on assets | 0.0052% | 6,043 |
| Return on Equity (ROE) | 0.0793% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.0793% | 5,345 |
| Net charge-offs to loans | -0.7096% | 6,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8909% | 369 |
| Assets per employee ($millions) | 2.7794% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 1,543 |
| Loan loss allowance to noncurrent loans | 53.6264% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.5979% | 452 |
| Noncurrent loans to loans | 3.3143% | 609 |
| Net loans and leases to total assets | 69.3077% | 2,235 |
| Net loans and leases to deposits | 75.3166% | 3,133 |
| Net loans and leases to core deposits | 76.1245% | 3,585 |
| Total domestic deposits to total assets | 92.0217% | 141 |
| Equity capital to assets | 6.4826% | 6,309 |
| Core capital (leverage) ratio | 6.4960% | 6,297 |
| Tier 1 risk-based capital ratio | 8.8202% | 6,329 |
| Total risk-based capital ratio | 10.0755% | 6,323 |
| Memoranda: | ||
| Average total assets | $77,428,500 | 5,082 |
| Average earning assets | $69,797,000 | 5,095 |
| Average equity | $5,045,000 | 5,823 |
| Average total loans | $54,117,500 | 4,668 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 772 |
| Cost of funding earning assets | 0.4921% | 2,748 |
| Net interest margin | 4.5099% | 734 |
| Noninterest income to average assets | 0.5620% | 3,111 |
| Noninterest expense to average assets | 5.1390% | 283 |
| Loan and lease loss provision to assets | 0.3986% | 444 |
| Net operating income to assets | -0.8968% | 6,361 |
| Return on assets (ROA) | -0.8968% | 6,359 |
| Pretax return on assets | -0.8968% | 6,350 |
| Return on Equity (ROE) | -12.3858% | 6,390 |
| Retained earnings to average equity (ytd only) | -12.3858% | 6,355 |
| Net charge-offs to loans | 0.5619% | 724 |
| Credit loss provision to net charge-offs | 102.0408% | 2,348 |
| Earnings coverage of net charge-offs (x) | -1.2755% | 4,809 |
| Efficiency ratio | 110.7358% | 212 |
| Assets per employee ($millions) | 2.4073% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 1,927 |
| Loan loss allowance to noncurrent loans | 26.7071% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 5.3561% | 239 |
| Noncurrent loans to loans | 6.1796% | 180 |
| Net loans and leases to total assets | 68.0760% | 2,548 |
| Net loans and leases to deposits | 74.1111% | 3,423 |
| Net loans and leases to core deposits | 75.2608% | 3,794 |
| Total domestic deposits to total assets | 91.8567% | 166 |
| Equity capital to assets | 6.5491% | 6,374 |
| Core capital (leverage) ratio | 6.4172% | 6,378 |
| Tier 1 risk-based capital ratio | 8.8608% | 6,415 |
| Total risk-based capital ratio | 10.1148% | 6,411 |
| Memoranda: | ||
| Average total assets | $75,267,000 | 5,170 |
| Average earning assets | $68,073,200 | 5,169 |
| Average equity | $5,449,800 | 5,753 |
| Average total loans | $52,319,600 | 4,749 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 699 |
| Cost of funding earning assets | 0.4953% | 2,812 |
| Net interest margin | 4.5604% | 671 |
| Noninterest income to average assets | 0.3849% | 4,355 |
| Noninterest expense to average assets | 5.1336% | 281 |
| Loan and lease loss provision to assets | 0.5969% | 224 |
| Net operating income to assets | -1.2277% | 6,482 |
| Return on assets (ROA) | -1.2277% | 6,481 |
| Pretax return on assets | -1.2277% | 6,472 |
| Return on Equity (ROE) | -16.5491% | 6,492 |
| Retained earnings to average equity (ytd only) | -16.5491% | 6,460 |
| Net charge-offs to loans | 0.4865% | 805 |
| Credit loss provision to net charge-offs | 176.3158% | 1,415 |
| Earnings coverage of net charge-offs (x) | -1.8631% | 4,563 |
| Efficiency ratio | 114.0087% | 182 |
| Assets per employee ($millions) | 2.3185% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 1,324 |
| Loan loss allowance to noncurrent loans | 44.6147% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 3.7701% | 547 |
| Noncurrent loans to loans | 4.4007% | 454 |
| Net loans and leases to total assets | 64.5465% | 3,104 |
| Net loans and leases to deposits | 70.1385% | 3,906 |
| Net loans and leases to core deposits | 72.2099% | 4,135 |
| Total domestic deposits to total assets | 92.0271% | 156 |
| Equity capital to assets | 6.3834% | 6,456 |
| Core capital (leverage) ratio | 6.4871% | 6,438 |
| Tier 1 risk-based capital ratio | 9.0770% | 6,473 |
| Total risk-based capital ratio | 10.3342% | 6,464 |
| Memoranda: | ||
| Average total assets | $74,825,500 | 5,233 |
| Average earning assets | $67,565,500 | 5,240 |
| Average equity | $5,551,000 | 5,786 |
| Average total loans | $52,069,250 | 4,794 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 474 |
| Cost of funding earning assets | 0.5008% | 2,827 |
| Net interest margin | 4.7393% | 457 |
| Noninterest income to average assets | 0.8981% | 1,499 |
| Noninterest expense to average assets | 5.0891% | 296 |
| Loan and lease loss provision to assets | 0.0816% | 2,672 |
| Net operating income to assets | 0.0027% | 6,186 |
| Return on assets (ROA) | 0.0027% | 6,207 |
| Pretax return on assets | 0.0027% | 6,192 |
| Return on Equity (ROE) | 0.0349% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.0349% | 5,669 |
| Net charge-offs to loans | 0.0767% | 2,923 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 1.5500% | 3,776 |
| Efficiency ratio | 98.3693% | 449 |
| Assets per employee ($millions) | 2.0829% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 2,261 |
| Loan loss allowance to noncurrent loans | 39.5880% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 4.1235% | 497 |
| Noncurrent loans to loans | 4.1890% | 557 |
| Net loans and leases to total assets | 69.9109% | 2,102 |
| Net loans and leases to deposits | 77.1071% | 2,911 |
| Net loans and leases to core deposits | 77.1071% | 3,528 |
| Total domestic deposits to total assets | 90.6673% | 518 |
| Equity capital to assets | 7.6296% | 6,315 |
| Core capital (leverage) ratio | 7.8188% | 6,200 |
| Tier 1 risk-based capital ratio | 9.9857% | 6,402 |
| Total risk-based capital ratio | 11.2391% | 6,359 |
| Memoranda: | ||
| Average total assets | $73,490,670 | 5,298 |
| Average earning assets | $66,297,330 | 5,316 |
| Average equity | $5,724,000 | 5,772 |
| Average total loans | $52,125,330 | 4,828 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 463 |
| Cost of funding earning assets | 0.5180% | 2,735 |
| Net interest margin | 4.7107% | 459 |
| Noninterest income to average assets | 1.0173% | 1,096 |
| Noninterest expense to average assets | 5.0313% | 313 |
| Loan and lease loss provision to assets | 0.1650% | 1,473 |
| Net operating income to assets | 0.0715% | 6,085 |
| Return on assets (ROA) | 0.0715% | 6,110 |
| Pretax return on assets | 0.0715% | 6,122 |
| Return on Equity (ROE) | 0.9082% | 6,059 |
| Retained earnings to average equity (ytd only) | 0.9082% | 5,236 |
| Net charge-offs to loans | 0.1708% | 1,695 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 2,977 |
| Efficiency ratio | 95.5115% | 672 |
| Assets per employee ($millions) | 2.2277% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 2,308 |
| Loan loss allowance to noncurrent loans | 36.8114% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 4.4345% | 499 |
| Noncurrent loans to loans | 4.6545% | 502 |
| Net loans and leases to total assets | 68.8227% | 2,083 |
| Net loans and leases to deposits | 75.6504% | 2,851 |
| Net loans and leases to core deposits | 77.4987% | 3,251 |
| Total domestic deposits to total assets | 90.9746% | 577 |
| Equity capital to assets | 7.7970% | 6,176 |
| Core capital (leverage) ratio | 7.7839% | 6,230 |
| Tier 1 risk-based capital ratio | 10.2509% | 6,406 |
| Total risk-based capital ratio | 11.5045% | 6,363 |
| Memoranda: | ||
| Average total assets | $72,744,000 | 5,374 |
| Average earning assets | $65,637,500 | 5,385 |
| Average equity | $5,725,500 | 5,813 |
| Average total loans | $51,535,000 | 4,881 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 660 |
| Cost of funding earning assets | 0.6093% | 2,579 |
| Net interest margin | 4.5763% | 641 |
| Noninterest income to average assets | 0.6904% | 2,595 |
| Noninterest expense to average assets | 4.9081% | 373 |
| Loan and lease loss provision to assets | 0.9465% | 197 |
| Net operating income to assets | -1.0457% | 6,617 |
| Return on assets (ROA) | -1.0457% | 6,614 |
| Pretax return on assets | -1.0457% | 6,599 |
| Return on Equity (ROE) | -12.3308% | 6,611 |
| Retained earnings to average equity (ytd only) | -12.3308% | 6,575 |
| Net charge-offs to loans | 0.9693% | 612 |
| Credit loss provision to net charge-offs | 138.4314% | 1,685 |
| Earnings coverage of net charge-offs (x) | -0.1451% | 5,133 |
| Efficiency ratio | 102.0630% | 422 |
| Assets per employee ($millions) | 2.1810% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 2,422 |
| Loan loss allowance to noncurrent loans | 25.1801% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 5.8133% | 336 |
| Noncurrent loans to loans | 6.7277% | 263 |
| Net loans and leases to total assets | 70.4695% | 1,941 |
| Net loans and leases to deposits | 77.6945% | 2,765 |
| Net loans and leases to core deposits | 79.6342% | 3,171 |
| Total domestic deposits to total assets | 90.7007% | 700 |
| Equity capital to assets | 7.9460% | 6,060 |
| Core capital (leverage) ratio | 7.6953% | 6,306 |
| Tier 1 risk-based capital ratio | 10.3193% | 6,426 |
| Total risk-based capital ratio | 11.5733% | 6,384 |
| Memoranda: | ||
| Average total assets | $74,590,600 | 5,364 |
| Average earning assets | $67,128,000 | 5,374 |
| Average equity | $6,325,600 | 5,735 |
| Average total loans | $52,617,200 | 4,861 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 646 |
| Cost of funding earning assets | 0.6247% | 2,610 |
| Net interest margin | 4.5741% | 650 |
| Noninterest income to average assets | 1.0579% | 1,304 |
| Noninterest expense to average assets | 4.8197% | 387 |
| Loan and lease loss provision to assets | 0.7442% | 287 |
| Net operating income to assets | -0.3934% | 6,564 |
| Return on assets (ROA) | -0.3934% | 6,574 |
| Pretax return on assets | -0.3934% | 6,558 |
| Return on Equity (ROE) | -4.5697% | 6,590 |
| Retained earnings to average equity (ytd only) | -4.5697% | 6,474 |
| Net charge-offs to loans | 0.7666% | 777 |
| Credit loss provision to net charge-offs | 138.1579% | 1,693 |
| Earnings coverage of net charge-offs (x) | 0.6513% | 4,632 |
| Efficiency ratio | 93.2145% | 777 |
| Assets per employee ($millions) | 2.3097% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,411 |
| Loan loss allowance to noncurrent loans | 19.9348% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 6.6741% | 318 |
| Noncurrent loans to loans | 7.5793% | 250 |
| Net loans and leases to total assets | 67.9900% | 2,295 |
| Net loans and leases to deposits | 75.1654% | 3,067 |
| Net loans and leases to core deposits | 76.6541% | 3,546 |
| Total domestic deposits to total assets | 90.4539% | 763 |
| Equity capital to assets | 8.2393% | 5,968 |
| Core capital (leverage) ratio | 8.3197% | 5,952 |
| Tier 1 risk-based capital ratio | 11.1025% | 6,234 |
| Total risk-based capital ratio | 12.3546% | 6,196 |
| Memoranda: | ||
| Average total assets | $75,245,000 | 5,399 |
| Average earning assets | $67,654,250 | 5,414 |
| Average equity | $6,477,250 | 5,774 |
| Average total loans | $52,873,250 | 4,891 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 566 |
| Cost of funding earning assets | 0.6423% | 2,572 |
| Net interest margin | 4.6204% | 579 |
| Noninterest income to average assets | 1.0011% | 1,536 |
| Noninterest expense to average assets | 4.6076% | 481 |
| Loan and lease loss provision to assets | 0.3203% | 1,095 |
| Net operating income to assets | 0.2403% | 5,799 |
| Return on assets (ROA) | 0.2403% | 5,921 |
| Pretax return on assets | 0.2403% | 6,019 |
| Return on Equity (ROE) | 2.7510% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.7510% | 4,563 |
| Net charge-offs to loans | 0.4796% | 1,379 |
| Credit loss provision to net charge-offs | 94.4882% | 2,343 |
| Earnings coverage of net charge-offs (x) | 1.6535% | 3,976 |
| Efficiency ratio | 89.1529% | 1,119 |
| Assets per employee ($millions) | 1.9539% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 4,497 |
| Loan loss allowance to noncurrent loans | 26.3715% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 4.6709% | 683 |
| Noncurrent loans to loans | 4.9392% | 664 |
| Net loans and leases to total assets | 68.6829% | 2,110 |
| Net loans and leases to deposits | 76.5289% | 2,798 |
| Net loans and leases to core deposits | 77.5012% | 3,359 |
| Total domestic deposits to total assets | 89.7477% | 1,177 |
| Equity capital to assets | 8.8785% | 5,352 |
| Core capital (leverage) ratio | 8.7865% | 5,310 |
| Tier 1 risk-based capital ratio | 11.9327% | 5,831 |
| Total risk-based capital ratio | 13.1530% | 5,802 |
| Memoranda: | ||
| Average total assets | $74,920,000 | 5,439 |
| Average earning assets | $67,570,000 | 5,455 |
| Average equity | $6,543,000 | 5,797 |
| Average total loans | $52,958,670 | 4,916 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 430 |
| Cost of funding earning assets | 0.6724% | 2,466 |
| Net interest margin | 4.7306% | 452 |
| Noninterest income to average assets | 0.8079% | 2,096 |
| Noninterest expense to average assets | 4.5923% | 499 |
| Loan and lease loss provision to assets | 0.3189% | 1,061 |
| Net operating income to assets | 0.1595% | 6,007 |
| Return on assets (ROA) | 0.1595% | 6,107 |
| Pretax return on assets | 0.1595% | 6,152 |
| Return on Equity (ROE) | 1.8409% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.8409% | 5,074 |
| Net charge-offs to loans | 0.4403% | 1,353 |
| Credit loss provision to net charge-offs | 101.6949% | 1,802 |
| Earnings coverage of net charge-offs (x) | 1.5254% | 3,321 |
| Efficiency ratio | 90.5660% | 1,098 |
| Assets per employee ($millions) | 2.2509% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 4,802 |
| Loan loss allowance to noncurrent loans | 39.2383% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 3.7357% | 1,107 |
| Noncurrent loans to loans | 3.2600% | 1,494 |
| Net loans and leases to total assets | 68.5713% | 1,913 |
| Net loans and leases to deposits | 77.2591% | 2,456 |
| Net loans and leases to core deposits | 78.5308% | 2,988 |
| Total domestic deposits to total assets | 88.7550% | 1,826 |
| Equity capital to assets | 8.5363% | 5,985 |
| Core capital (leverage) ratio | 8.6895% | 5,343 |
| Tier 1 risk-based capital ratio | 11.4960% | 6,189 |
| Total risk-based capital ratio | 12.6948% | 6,186 |
| Memoranda: | ||
| Average total assets | $75,256,500 | 5,479 |
| Average earning assets | $67,814,000 | 5,500 |
| Average equity | $6,518,500 | 5,860 |
| Average total loans | $53,604,000 | 4,927 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 464 |
| Cost of funding earning assets | 0.7637% | 2,975 |
| Net interest margin | 4.8838% | 463 |
| Noninterest income to average assets | 1.1786% | 1,133 |
| Noninterest expense to average assets | 4.9327% | 390 |
| Loan and lease loss provision to assets | 0.2279% | 2,852 |
| Net operating income to assets | 0.4072% | 5,072 |
| Return on assets (ROA) | 0.4072% | 5,324 |
| Pretax return on assets | 0.4072% | 5,557 |
| Return on Equity (ROE) | 4.7558% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.7558% | 2,879 |
| Net charge-offs to loans | 0.1866% | 3,887 |
| Credit loss provision to net charge-offs | 172.4490% | 1,527 |
| Earnings coverage of net charge-offs (x) | 4.8061% | 3,245 |
| Efficiency ratio | 88.5929% | 1,186 |
| Assets per employee ($millions) | 2.1137% | 6,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 4,839 |
| Loan loss allowance to noncurrent loans | 41.5799% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 3.4968% | 1,298 |
| Noncurrent loans to loans | 3.0213% | 1,719 |
| Net loans and leases to total assets | 72.1401% | 1,462 |
| Net loans and leases to deposits | 81.1884% | 2,125 |
| Net loans and leases to core deposits | 83.2333% | 2,640 |
| Total domestic deposits to total assets | 88.8552% | 1,676 |
| Equity capital to assets | 8.7914% | 5,755 |
| Core capital (leverage) ratio | 8.7649% | 5,237 |
| Tier 1 risk-based capital ratio | 11.3767% | 6,171 |
| Total risk-based capital ratio | 12.5668% | 6,171 |
| Memoranda: | ||
| Average total assets | $74,158,800 | 5,505 |
| Average earning assets | $66,648,400 | 5,527 |
| Average equity | $6,350,200 | 5,928 |
| Average total loans | $52,514,200 | 4,998 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6790% | 481 |
| Cost of funding earning assets | 0.7792% | 3,120 |
| Net interest margin | 4.8998% | 471 |
| Noninterest income to average assets | 1.2362% | 978 |
| Noninterest expense to average assets | 4.9574% | 373 |
| Loan and lease loss provision to assets | 0.2605% | 2,494 |
| Net operating income to assets | 0.4133% | 5,194 |
| Return on assets (ROA) | 0.4133% | 5,423 |
| Pretax return on assets | 0.4133% | 5,688 |
| Return on Equity (ROE) | 4.8586% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.8586% | 3,470 |
| Net charge-offs to loans | 0.1816% | 3,663 |
| Credit loss provision to net charge-offs | 204.2254% | 1,353 |
| Earnings coverage of net charge-offs (x) | 5.2820% | 3,059 |
| Efficiency ratio | 88.0345% | 1,190 |
| Assets per employee ($millions) | 2.2040% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 4,791 |
| Loan loss allowance to noncurrent loans | 89.3840% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 2.2019% | 2,432 |
| Noncurrent loans to loans | 1.4603% | 3,606 |
| Net loans and leases to total assets | 68.8134% | 2,147 |
| Net loans and leases to deposits | 77.1392% | 2,788 |
| Net loans and leases to core deposits | 79.0453% | 3,320 |
| Total domestic deposits to total assets | 89.2068% | 1,308 |
| Equity capital to assets | 8.5860% | 6,185 |
| Core capital (leverage) ratio | 8.5857% | 5,643 |
| Tier 1 risk-based capital ratio | 11.6565% | 6,145 |
| Total risk-based capital ratio | 12.8950% | 6,118 |
| Memoranda: | ||
| Average total assets | $74,203,250 | 5,562 |
| Average earning assets | $66,559,000 | 5,593 |
| Average equity | $6,311,750 | 6,006 |
| Average total loans | $52,130,500 | 5,069 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7128% | 475 |
| Cost of funding earning assets | 0.8105% | 3,107 |
| Net interest margin | 4.9023% | 472 |
| Noninterest income to average assets | 1.2575% | 904 |
| Noninterest expense to average assets | 4.9757% | 384 |
| Loan and lease loss provision to assets | 0.2839% | 2,308 |
| Net operating income to assets | 0.3813% | 5,290 |
| Return on assets (ROA) | 0.3813% | 5,523 |
| Pretax return on assets | 0.3813% | 5,750 |
| Return on Equity (ROE) | 4.4969% | 5,042 |
| Retained earnings to average equity (ytd only) | 4.4969% | 3,616 |
| Net charge-offs to loans | 0.2380% | 3,144 |
| Credit loss provision to net charge-offs | 169.3548% | 1,649 |
| Earnings coverage of net charge-offs (x) | 3.9677% | 3,215 |
| Efficiency ratio | 88.2071% | 1,217 |
| Assets per employee ($millions) | 2.2798% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 5,036 |
| Loan loss allowance to noncurrent loans | 65.3614% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.4458% | 2,281 |
| Noncurrent loans to loans | 1.9433% | 3,007 |
| Net loans and leases to total assets | 67.2613% | 2,415 |
| Net loans and leases to deposits | 75.2894% | 3,086 |
| Net loans and leases to core deposits | 76.8420% | 3,677 |
| Total domestic deposits to total assets | 89.3370% | 1,309 |
| Equity capital to assets | 8.4339% | 6,271 |
| Core capital (leverage) ratio | 8.4285% | 5,749 |
| Tier 1 risk-based capital ratio | 11.7934% | 6,061 |
| Total risk-based capital ratio | 13.0063% | 6,064 |
| Memoranda: | ||
| Average total assets | $73,959,000 | 5,607 |
| Average earning assets | $66,131,670 | 5,641 |
| Average equity | $6,271,000 | 6,048 |
| Average total loans | $52,091,330 | 5,105 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9751% | 319 |
| Cost of funding earning assets | 0.8536% | 3,035 |
| Net interest margin | 5.1215% | 333 |
| Noninterest income to average assets | 1.3802% | 763 |
| Noninterest expense to average assets | 5.1389% | 336 |
| Loan and lease loss provision to assets | 0.4637% | 1,330 |
| Net operating income to assets | 0.3273% | 5,558 |
| Return on assets (ROA) | 0.3273% | 5,730 |
| Pretax return on assets | 0.3273% | 5,915 |
| Return on Equity (ROE) | 3.8499% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.8499% | 4,278 |
| Net charge-offs to loans | 0.3656% | 2,208 |
| Credit loss provision to net charge-offs | 177.0833% | 1,448 |
| Earnings coverage of net charge-offs (x) | 3.0208% | 2,985 |
| Efficiency ratio | 86.6605% | 1,417 |
| Assets per employee ($millions) | 2.2070% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 5,293 |
| Loan loss allowance to noncurrent loans | 105.7377% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9377% | 2,989 |
| Noncurrent loans to loans | 1.1756% | 4,370 |
| Net loans and leases to total assets | 68.2881% | 2,056 |
| Net loans and leases to deposits | 77.1589% | 2,654 |
| Net loans and leases to core deposits | 79.0284% | 3,181 |
| Total domestic deposits to total assets | 88.5032% | 2,012 |
| Equity capital to assets | 8.3478% | 6,225 |
| Core capital (leverage) ratio | 8.4841% | 5,621 |
| Tier 1 risk-based capital ratio | 11.2116% | 6,435 |
| Total risk-based capital ratio | 12.3688% | 6,472 |
| Memoranda: | ||
| Average total assets | $73,322,500 | 5,671 |
| Average earning assets | $65,137,500 | 5,716 |
| Average equity | $6,234,000 | 6,087 |
| Average total loans | $52,510,500 | 5,126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 710 |
| Cost of funding earning assets | 0.9417% | 3,775 |
| Net interest margin | 4.8026% | 618 |
| Noninterest income to average assets | 0.8501% | 1,844 |
| Noninterest expense to average assets | 4.3879% | 656 |
| Loan and lease loss provision to assets | 0.3296% | 3,045 |
| Net operating income to assets | 0.4120% | 4,806 |
| Return on assets (ROA) | 0.4120% | 4,993 |
| Pretax return on assets | 0.4120% | 5,256 |
| Return on Equity (ROE) | 4.9579% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.9579% | 2,673 |
| Net charge-offs to loans | 0.6283% | 2,578 |
| Credit loss provision to net charge-offs | 70.5882% | 4,825 |
| Earnings coverage of net charge-offs (x) | 1.5882% | 4,580 |
| Efficiency ratio | 85.5422% | 1,613 |
| Assets per employee ($millions) | 2.3869% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,650 |
| Loan loss allowance to noncurrent loans | 94.1176% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6967% | 2,258 |
| Noncurrent loans to loans | 1.2158% | 4,334 |
| Net loans and leases to total assets | 73.3532% | 1,386 |
| Net loans and leases to deposits | 83.3177% | 2,021 |
| Net loans and leases to core deposits | 85.8942% | 2,648 |
| Total domestic deposits to total assets | 88.0403% | 2,129 |
| Equity capital to assets | 8.6640% | 5,942 |
| Core capital (leverage) ratio | 8.5698% | 5,446 |
| Tier 1 risk-based capital ratio | 11.3959% | 6,220 |
| Total risk-based capital ratio | 12.5157% | 6,281 |
| Memoranda: | ||
| Average total assets | $72,814,400 | 5,673 |
| Average earning assets | $64,881,400 | 5,705 |
| Average equity | $6,051,000 | 6,144 |
| Average total loans | $54,114,000 | 5,111 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 880 |
| Cost of funding earning assets | 0.9578% | 3,981 |
| Net interest margin | 4.7214% | 730 |
| Noninterest income to average assets | 0.8388% | 1,880 |
| Noninterest expense to average assets | 4.3236% | 698 |
| Loan and lease loss provision to assets | 0.2918% | 3,180 |
| Net operating income to assets | 0.4395% | 4,819 |
| Return on assets (ROA) | 0.4395% | 5,014 |
| Pretax return on assets | 0.4395% | 5,341 |
| Return on Equity (ROE) | 5.3441% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.3441% | 2,952 |
| Net charge-offs to loans | 0.5004% | 2,757 |
| Credit loss provision to net charge-offs | 78.4314% | 4,190 |
| Earnings coverage of net charge-offs (x) | 1.9657% | 4,182 |
| Efficiency ratio | 85.5339% | 1,579 |
| Assets per employee ($millions) | 2.4440% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 5,417 |
| Loan loss allowance to noncurrent loans | 96.7930% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 2.4591% | 2,619 |
| Noncurrent loans to loans | 1.2508% | 4,448 |
| Net loans and leases to total assets | 73.8980% | 1,336 |
| Net loans and leases to deposits | 83.5562% | 2,077 |
| Net loans and leases to core deposits | 86.0564% | 2,762 |
| Total domestic deposits to total assets | 88.4411% | 1,790 |
| Equity capital to assets | 8.3783% | 6,414 |
| Core capital (leverage) ratio | 8.3290% | 5,939 |
| Tier 1 risk-based capital ratio | 10.8240% | 6,649 |
| Total risk-based capital ratio | 11.9968% | 6,667 |
| Memoranda: | ||
| Average total assets | $73,116,250 | 5,710 |
| Average earning assets | $65,289,250 | 5,734 |
| Average equity | $6,012,750 | 6,201 |
| Average total loans | $54,359,000 | 5,148 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6321% | 1,015 |
| Cost of funding earning assets | 0.9755% | 4,118 |
| Net interest margin | 4.6566% | 807 |
| Noninterest income to average assets | 0.9145% | 1,605 |
| Noninterest expense to average assets | 4.2465% | 788 |
| Loan and lease loss provision to assets | 0.3696% | 2,574 |
| Net operating income to assets | 0.4545% | 4,695 |
| Return on assets (ROA) | 0.4545% | 4,835 |
| Pretax return on assets | 0.4545% | 5,210 |
| Return on Equity (ROE) | 5.5618% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.5618% | 2,656 |
| Net charge-offs to loans | 0.4982% | 2,613 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 2.2296% | 3,720 |
| Efficiency ratio | 83.7473% | 1,847 |
| Assets per employee ($millions) | 2.6154% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,985 |
| Loan loss allowance to noncurrent loans | 62.5995% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.9728% | 2,255 |
| Noncurrent loans to loans | 2.1032% | 3,349 |
| Net loans and leases to total assets | 72.4666% | 1,694 |
| Net loans and leases to deposits | 82.0495% | 2,450 |
| Net loans and leases to core deposits | 85.0449% | 3,071 |
| Total domestic deposits to total assets | 88.3205% | 1,952 |
| Equity capital to assets | 8.2847% | 6,441 |
| Core capital (leverage) ratio | 8.3159% | 5,842 |
| Tier 1 risk-based capital ratio | 10.9891% | 6,538 |
| Total risk-based capital ratio | 12.2399% | 6,517 |
| Memoranda: | ||
| Average total assets | $73,048,330 | 5,750 |
| Average earning assets | $65,197,670 | 5,783 |
| Average equity | $5,969,330 | 6,240 |
| Average total loans | $54,196,670 | 5,199 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 1,081 |
| Cost of funding earning assets | 1.0015% | 4,194 |
| Net interest margin | 4.5860% | 885 |
| Noninterest income to average assets | 0.9595% | 1,432 |
| Noninterest expense to average assets | 4.3313% | 704 |
| Loan and lease loss provision to assets | 0.3673% | 2,362 |
| Net operating income to assets | 0.2687% | 5,543 |
| Return on assets (ROA) | 0.2687% | 5,603 |
| Pretax return on assets | 0.3783% | 5,400 |
| Return on Equity (ROE) | 3.3105% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.3105% | 4,200 |
| Net charge-offs to loans | -0.0221% | 6,600 |
| Credit loss provision to net charge-offs | -2,233.3333% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3132% | 1,798 |
| Assets per employee ($millions) | 2.4914% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 4,589 |
| Loan loss allowance to noncurrent loans | 61.5506% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 3.2913% | 2,082 |
| Noncurrent loans to loans | 2.2973% | 3,198 |
| Net loans and leases to total assets | 75.0772% | 1,165 |
| Net loans and leases to deposits | 85.7057% | 1,776 |
| Net loans and leases to core deposits | 88.8940% | 2,491 |
| Total domestic deposits to total assets | 87.5988% | 2,615 |
| Equity capital to assets | 8.2283% | 6,250 |
| Core capital (leverage) ratio | 8.1843% | 5,991 |
| Tier 1 risk-based capital ratio | 10.5653% | 6,772 |
| Total risk-based capital ratio | 11.8165% | 6,762 |
| Memoranda: | ||
| Average total assets | $72,957,000 | 5,790 |
| Average earning assets | $65,503,500 | 5,811 |
| Average equity | $5,920,500 | 6,274 |
| Average total loans | $54,407,000 | 5,237 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6586% | 1,721 |
| Cost of funding earning assets | 1.2855% | 3,979 |
| Net interest margin | 4.3731% | 1,578 |
| Noninterest income to average assets | 0.5617% | 3,732 |
| Noninterest expense to average assets | 4.1700% | 932 |
| Loan and lease loss provision to assets | 0.4468% | 3,448 |
| Net operating income to assets | -0.2003% | 6,120 |
| Return on assets (ROA) | -0.2003% | 6,167 |
| Pretax return on assets | -0.2003% | 6,085 |
| Return on Equity (ROE) | -2.4124% | 6,220 |
| Retained earnings to average equity (ytd only) | -2.4124% | 6,033 |
| Net charge-offs to loans | 0.6821% | 2,965 |
| Credit loss provision to net charge-offs | 90.3683% | 5,115 |
| Earnings coverage of net charge-offs (x) | 0.4986% | 5,613 |
| Efficiency ratio | 94.4180% | 1,043 |
| Assets per employee ($millions) | 2.6308% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,918 |
| Loan loss allowance to noncurrent loans | 111.3208% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 2.4164% | 2,855 |
| Noncurrent loans to loans | 1.1823% | 4,741 |
| Net loans and leases to total assets | 72.0633% | 2,093 |
| Net loans and leases to deposits | 82.0109% | 2,804 |
| Net loans and leases to core deposits | 84.4574% | 3,532 |
| Total domestic deposits to total assets | 87.8704% | 2,328 |
| Equity capital to assets | 8.0040% | 6,496 |
| Core capital (leverage) ratio | 7.8348% | 6,397 |
| Tier 1 risk-based capital ratio | 10.8528% | 6,447 |
| Total risk-based capital ratio | 12.1029% | 6,413 |
| Memoranda: | ||
| Average total assets | $71,390,600 | 5,845 |
| Average earning assets | $62,930,800 | 5,897 |
| Average equity | $5,927,800 | 6,389 |
| Average total loans | $51,750,600 | 5,414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6100% | 2,028 |
| Cost of funding earning assets | 1.3274% | 4,055 |
| Net interest margin | 4.2825% | 1,903 |
| Noninterest income to average assets | 0.9432% | 1,639 |
| Noninterest expense to average assets | 4.2471% | 779 |
| Loan and lease loss provision to assets | 0.5629% | 2,692 |
| Net operating income to assets | -0.1073% | 6,194 |
| Return on assets (ROA) | -0.1073% | 6,282 |
| Pretax return on assets | -0.1073% | 6,229 |
| Return on Equity (ROE) | -1.2804% | 6,311 |
| Retained earnings to average equity (ytd only) | -1.2804% | 6,058 |
| Net charge-offs to loans | 0.7364% | 2,580 |
| Credit loss provision to net charge-offs | 105.6537% | 4,051 |
| Earnings coverage of net charge-offs (x) | 0.8551% | 5,195 |
| Efficiency ratio | 90.3122% | 1,263 |
| Assets per employee ($millions) | 2.6708% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 4,231 |
| Loan loss allowance to noncurrent loans | 97.4293% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 2.8951% | 2,506 |
| Noncurrent loans to loans | 1.4835% | 4,409 |
| Net loans and leases to total assets | 69.1142% | 2,956 |
| Net loans and leases to deposits | 78.6419% | 3,699 |
| Net loans and leases to core deposits | 80.9399% | 4,389 |
| Total domestic deposits to total assets | 87.8848% | 2,026 |
| Equity capital to assets | 8.0140% | 6,797 |
| Core capital (leverage) ratio | 8.0856% | 6,218 |
| Tier 1 risk-based capital ratio | 10.8124% | 6,535 |
| Total risk-based capital ratio | 12.0634% | 6,519 |
| Memoranda: | ||
| Average total assets | $70,822,500 | 5,922 |
| Average earning assets | $62,173,250 | 5,986 |
| Average equity | $5,935,750 | 6,467 |
| Average total loans | $51,240,250 | 5,520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6493% | 1,944 |
| Cost of funding earning assets | 1.3364% | 4,287 |
| Net interest margin | 4.3129% | 1,726 |
| Noninterest income to average assets | 0.8287% | 1,977 |
| Noninterest expense to average assets | 4.4977% | 576 |
| Loan and lease loss provision to assets | 0.6877% | 2,106 |
| Net operating income to assets | -0.5957% | 6,737 |
| Return on assets (ROA) | -0.5957% | 6,768 |
| Pretax return on assets | -0.5957% | 6,655 |
| Return on Equity (ROE) | -6.9972% | 6,835 |
| Retained earnings to average equity (ytd only) | -6.9972% | 6,738 |
| Net charge-offs to loans | 0.7475% | 2,369 |
| Credit loss provision to net charge-offs | 125.7895% | 3,204 |
| Earnings coverage of net charge-offs (x) | 0.1684% | 5,555 |
| Efficiency ratio | 97.9937% | 882 |
| Assets per employee ($millions) | 2.5143% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 3,885 |
| Loan loss allowance to noncurrent loans | 98.6284% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 3.1077% | 2,278 |
| Noncurrent loans to loans | 1.5278% | 4,423 |
| Net loans and leases to total assets | 70.9086% | 2,686 |
| Net loans and leases to deposits | 80.7216% | 3,480 |
| Net loans and leases to core deposits | 82.8016% | 4,311 |
| Total domestic deposits to total assets | 87.8434% | 2,080 |
| Equity capital to assets | 8.0258% | 6,733 |
| Core capital (leverage) ratio | 8.0565% | 6,187 |
| Tier 1 risk-based capital ratio | 10.6206% | 6,593 |
| Total risk-based capital ratio | 11.8738% | 6,588 |
| Memoranda: | ||
| Average total assets | $69,502,670 | 5,991 |
| Average earning assets | $60,609,000 | 6,079 |
| Average equity | $5,916,670 | 6,495 |
| Average total loans | $50,839,330 | 5,572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5985% | 2,157 |
| Cost of funding earning assets | 1.2956% | 4,845 |
| Net interest margin | 4.3029% | 1,683 |
| Noninterest income to average assets | 0.5723% | 3,474 |
| Noninterest expense to average assets | 4.4309% | 623 |
| Loan and lease loss provision to assets | 1.2921% | 937 |
| Net operating income to assets | -1.4278% | 7,303 |
| Return on assets (ROA) | -1.4278% | 7,314 |
| Pretax return on assets | -1.4278% | 7,232 |
| Return on Equity (ROE) | -16.2716% | 7,346 |
| Retained earnings to average equity (ytd only) | -16.2716% | 7,254 |
| Net charge-offs to loans | 1.1117% | 1,515 |
| Credit loss provision to net charge-offs | 157.5540% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.1655% | 5,143 |
| Efficiency ratio | 103.1593% | 746 |
| Assets per employee ($millions) | 2.3962% | 7,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 3,305 |
| Loan loss allowance to noncurrent loans | 89.7380% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 3.5487% | 1,977 |
| Noncurrent loans to loans | 1.8230% | 4,029 |
| Net loans and leases to total assets | 71.1239% | 2,666 |
| Net loans and leases to deposits | 82.4008% | 3,214 |
| Net loans and leases to core deposits | 82.8178% | 4,379 |
| Total domestic deposits to total assets | 86.3146% | 2,977 |
| Equity capital to assets | 8.3782% | 6,188 |
| Core capital (leverage) ratio | 8.6263% | 5,159 |
| Tier 1 risk-based capital ratio | 10.7725% | 6,371 |
| Total risk-based capital ratio | 12.0255% | 6,352 |
| Memoranda: | ||
| Average total assets | $67,796,500 | 6,115 |
| Average earning assets | $58,658,500 | 6,219 |
| Average equity | $5,949,000 | 6,538 |
| Average total loans | $50,012,000 | 5,664 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8681% | 2,378 |
| Cost of funding earning assets | 1.3238% | 6,223 |
| Net interest margin | 4.5443% | 1,087 |
| Noninterest income to average assets | 0.8163% | 2,324 |
| Noninterest expense to average assets | 4.8358% | 588 |
| Loan and lease loss provision to assets | 0.5935% | 3,424 |
| Net operating income to assets | -0.6260% | 6,294 |
| Return on assets (ROA) | -0.6260% | 6,289 |
| Pretax return on assets | -0.6667% | 6,158 |
| Return on Equity (ROE) | -6.0087% | 6,301 |
| Retained earnings to average equity (ytd only) | -6.0087% | 6,146 |
| Net charge-offs to loans | 0.8621% | 2,673 |
| Credit loss provision to net charge-offs | 93.3504% | 5,880 |
| Earnings coverage of net charge-offs (x) | -0.1151% | 6,347 |
| Efficiency ratio | 101.5364% | 1,028 |
| Assets per employee ($millions) | 2.1324% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 3,776 |
| Loan loss allowance to noncurrent loans | 52.5868% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 4.0089% | 1,646 |
| Noncurrent loans to loans | 2.8346% | 2,717 |
| Net loans and leases to total assets | 74.1812% | 2,227 |
| Net loans and leases to deposits | 87.1101% | 2,719 |
| Net loans and leases to core deposits | 95.4175% | 4,524 |
| Total domestic deposits to total assets | 85.1580% | 3,479 |
| Equity capital to assets | 9.1917% | 4,853 |
| Core capital (leverage) ratio | 9.3415% | 3,912 |
| Tier 1 risk-based capital ratio | 11.4685% | 5,426 |
| Total risk-based capital ratio | 12.7202% | 5,391 |
| Memoranda: | ||
| Average total assets | $61,500,200 | 6,295 |
| Average earning assets | $53,407,600 | 6,400 |
| Average equity | $6,407,400 | 6,458 |
| Average total loans | $45,355,600 | 5,858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9373% | 2,281 |
| Cost of funding earning assets | 1.3454% | 6,413 |
| Net interest margin | 4.5920% | 1,002 |
| Noninterest income to average assets | 0.9257% | 1,882 |
| Noninterest expense to average assets | 4.9113% | 520 |
| Loan and lease loss provision to assets | 0.2165% | 5,251 |
| Net operating income to assets | -0.0301% | 5,763 |
| Return on assets (ROA) | -0.0287% | 5,822 |
| Pretax return on assets | -0.2032% | 5,988 |
| Return on Equity (ROE) | -0.2670% | 5,820 |
| Retained earnings to average equity (ytd only) | -0.2670% | 5,277 |
| Net charge-offs to loans | 0.8286% | 2,305 |
| Credit loss provision to net charge-offs | 35.6364% | 6,467 |
| Earnings coverage of net charge-offs (x) | 0.0182% | 6,040 |
| Efficiency ratio | 99.7756% | 1,070 |
| Assets per employee ($millions) | 2.0560% | 7,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,650 |
| Loan loss allowance to noncurrent loans | 49.8734% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 3.9930% | 1,606 |
| Noncurrent loans to loans | 2.5565% | 2,955 |
| Net loans and leases to total assets | 71.7982% | 3,083 |
| Net loans and leases to deposits | 85.3960% | 3,434 |
| Net loans and leases to core deposits | 92.1172% | 5,222 |
| Total domestic deposits to total assets | 84.0768% | 3,694 |
| Equity capital to assets | 10.1385% | 3,922 |
| Core capital (leverage) ratio | 10.1076% | 3,167 |
| Tier 1 risk-based capital ratio | 12.6817% | 4,404 |
| Total risk-based capital ratio | 13.8852% | 4,396 |
| Memoranda: | ||
| Average total assets | $60,349,500 | 6,378 |
| Average earning assets | $52,525,000 | 6,475 |
| Average equity | $6,490,250 | 6,490 |
| Average total loans | $44,250,000 | 5,961 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9583% | 2,348 |
| Cost of funding earning assets | 1.3980% | 6,484 |
| Net interest margin | 4.5602% | 1,036 |
| Noninterest income to average assets | 1.0098% | 1,564 |
| Noninterest expense to average assets | 4.9206% | 545 |
| Loan and lease loss provision to assets | 0.1857% | 5,171 |
| Net operating income to assets | 0.0068% | 5,820 |
| Return on assets (ROA) | 0.0068% | 5,898 |
| Pretax return on assets | -0.1418% | 6,059 |
| Return on Equity (ROE) | 0.0615% | 5,902 |
| Retained earnings to average equity (ytd only) | 0.0615% | 5,181 |
| Net charge-offs to loans | 0.7715% | 2,137 |
| Credit loss provision to net charge-offs | 32.7381% | 5,997 |
| Earnings coverage of net charge-offs (x) | 0.0774% | 5,598 |
| Efficiency ratio | 99.1156% | 1,217 |
| Assets per employee ($millions) | 1.8817% | 7,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 3,660 |
| Loan loss allowance to noncurrent loans | 49.0269% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 4.1286% | 1,412 |
| Noncurrent loans to loans | 2.8810% | 2,503 |
| Net loans and leases to total assets | 75.9242% | 2,198 |
| Net loans and leases to deposits | 91.3025% | 2,598 |
| Net loans and leases to core deposits | 97.8008% | 4,723 |
| Total domestic deposits to total assets | 83.1567% | 4,167 |
| Equity capital to assets | 10.7766% | 3,138 |
| Core capital (leverage) ratio | 10.5145% | 2,799 |
| Tier 1 risk-based capital ratio | 12.9597% | 4,176 |
| Total risk-based capital ratio | 14.2116% | 4,092 |
| Memoranda: | ||
| Average total assets | $59,220,330 | 6,470 |
| Average earning assets | $51,357,330 | 6,581 |
| Average equity | $6,499,670 | 6,531 |
| Average total loans | $43,549,000 | 6,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9178% | 2,717 |
| Cost of funding earning assets | 1.5224% | 6,333 |
| Net interest margin | 4.3954% | 1,350 |
| Noninterest income to average assets | 0.9536% | 1,625 |
| Noninterest expense to average assets | 4.8362% | 541 |
| Loan and lease loss provision to assets | 0.2248% | 4,205 |
| Net operating income to assets | -0.1226% | 6,449 |
| Return on assets (ROA) | -0.1226% | 6,556 |
| Pretax return on assets | -0.2725% | 6,644 |
| Return on Equity (ROE) | -1.1068% | 6,556 |
| Retained earnings to average equity (ytd only) | -1.1068% | 5,916 |
| Net charge-offs to loans | 0.6835% | 1,818 |
| Credit loss provision to net charge-offs | 45.8333% | 4,740 |
| Earnings coverage of net charge-offs (x) | -0.0972% | 5,072 |
| Efficiency ratio | 100.9957% | 1,088 |
| Assets per employee ($millions) | 1.8183% | 8,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,167 |
| Loan loss allowance to noncurrent loans | 44.6418% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 4.7554% | 977 |
| Noncurrent loans to loans | 3.7965% | 1,622 |
| Net loans and leases to total assets | 72.6692% | 3,077 |
| Net loans and leases to deposits | 82.0586% | 4,273 |
| Net loans and leases to core deposits | 90.8279% | 5,473 |
| Total domestic deposits to total assets | 88.5576% | 1,453 |
| Equity capital to assets | 11.1417% | 2,860 |
| Core capital (leverage) ratio | 10.6627% | 2,774 |
| Tier 1 risk-based capital ratio | 14.2453% | 3,457 |
| Total risk-based capital ratio | 15.5009% | 3,384 |
| Memoranda: | ||
| Average total assets | $58,723,500 | 6,516 |
| Average earning assets | $51,235,000 | 6,611 |
| Average equity | $6,505,000 | 6,584 |
| Average total loans | $42,137,500 | 6,133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3814% | 3,516 |
| Cost of funding earning assets | 1.6891% | 7,282 |
| Net interest margin | 4.6923% | 987 |
| Noninterest income to average assets | 0.8064% | 2,480 |
| Noninterest expense to average assets | 4.6533% | 792 |
| Loan and lease loss provision to assets | 0.6074% | 2,397 |
| Net operating income to assets | -0.2121% | 6,633 |
| Return on assets (ROA) | -0.2110% | 6,478 |
| Pretax return on assets | -0.3723% | 6,522 |
| Return on Equity (ROE) | -1.8706% | 6,485 |
| Retained earnings to average equity (ytd only) | -1.8706% | 5,834 |
| Net charge-offs to loans | 0.3328% | 3,175 |
| Credit loss provision to net charge-offs | 276.5625% | 1,653 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 5,599 |
| Efficiency ratio | 95.2247% | 1,208 |
| Assets per employee ($millions) | 1.7958% | 8,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 1,504 |
| Loan loss allowance to noncurrent loans | 52.2805% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 4.4398% | 859 |
| Noncurrent loans to loans | 3.5602% | 1,423 |
| Net loans and leases to total assets | 68.3328% | 4,406 |
| Net loans and leases to deposits | 77.4516% | 5,411 |
| Net loans and leases to core deposits | 88.2145% | 5,953 |
| Total domestic deposits to total assets | 88.2265% | 1,371 |
| Equity capital to assets | 11.0142% | 3,028 |
| Core capital (leverage) ratio | 11.0387% | 2,566 |
| Tier 1 risk-based capital ratio | 14.7335% | 3,184 |
| Total risk-based capital ratio | 15.9909% | 3,102 |
| Memoranda: | ||
| Average total assets | $58,281,400 | 6,440 |
| Average earning assets | $50,678,400 | 6,567 |
| Average equity | $6,575,600 | 6,613 |
| Average total loans | $38,462,200 | 6,245 |