Home > Bank of Houston > Performance and Condition Ratios
Bank of Houston, 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 | 6.2338% | 473 |
| Cost of funding earning assets | 3.0386% | 135 |
| Net interest margin | 3.1952% | 2,888 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.9005% | 3,835 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 1.0562% | 2,051 |
| Return on assets (ROA) | 1.0562% | 2,013 |
| Pretax return on assets | 1.3238% | 1,812 |
| Return on Equity (ROE) | 9.8900% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.8863% | 1,044 |
| Net charge-offs to loans | 0.0297% | 1,710 |
| Credit loss provision to net charge-offs | -108.0925% | 4,481 |
| Earnings coverage of net charge-offs (x) | 50.5145% | 1,291 |
| Efficiency ratio | 59.7162% | 3,114 |
| Assets per employee ($millions) | 14.0587% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 4,111 |
| Loan loss allowance to noncurrent loans | 1,972.0000% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,462 |
| Noncurrent loans to loans | 0.0359% | 3,476 |
| Net loans and leases to total assets | 83.7800% | 286 |
| Net loans and leases to deposits | 104.7273% | 329 |
| Net loans and leases to core deposits | 128.0906% | 435 |
| Total domestic deposits to total assets | 80.0000% | 3,464 |
| Equity capital to assets | 11.7482% | 1,214 |
| Core capital (leverage) ratio | 11.2946% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $685,829,400 | 1,326 |
| Average earning assets | $660,961,200 | 1,293 |
| Average equity | $73,273,400 | 1,204 |
| Average total loans | $582,040,800 | 1,106 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1088% | 465 |
| Cost of funding earning assets | 2.9032% | 134 |
| Net interest margin | 3.2055% | 2,905 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.9074% | 3,791 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 1.0638% | 2,175 |
| Return on assets (ROA) | 1.0638% | 2,164 |
| Pretax return on assets | 1.3306% | 1,946 |
| Return on Equity (ROE) | 10.2000% | 2,583 |
| Retained earnings to average equity (ytd only) | 10.1995% | 1,345 |
| Net charge-offs to loans | 0.0392% | 1,329 |
| Credit loss provision to net charge-offs | -97.1098% | 4,522 |
| Earnings coverage of net charge-offs (x) | 38.2312% | 1,472 |
| Efficiency ratio | 59.8062% | 2,986 |
| Assets per employee ($millions) | 14.3256% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 4,155 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 82.8500% | 370 |
| Net loans and leases to deposits | 100.1260% | 511 |
| Net loans and leases to core deposits | 121.1946% | 521 |
| Total domestic deposits to total assets | 82.7400% | 3,060 |
| Equity capital to assets | 11.0070% | 1,340 |
| Core capital (leverage) ratio | 11.0340% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $692,097,000 | 1,317 |
| Average earning assets | $666,829,500 | 1,277 |
| Average equity | $72,185,000 | 1,215 |
| Average total loans | $588,166,000 | 1,100 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0352% | 430 |
| Cost of funding earning assets | 2.7381% | 117 |
| Net interest margin | 3.2971% | 2,756 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.9657% | 3,673 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 1.1079% | 2,105 |
| Return on assets (ROA) | 1.1079% | 2,093 |
| Pretax return on assets | 1.3951% | 1,823 |
| Return on Equity (ROE) | 10.8200% | 2,473 |
| Retained earnings to average equity (ytd only) | 10.8198% | 1,220 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9965% | 2,957 |
| Assets per employee ($millions) | 14.1939% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 4,181 |
| Loan loss allowance to noncurrent loans | 2,367.4419% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,551 |
| Noncurrent loans to loans | 0.0296% | 3,538 |
| Net loans and leases to total assets | 81.3400% | 487 |
| Net loans and leases to deposits | 101.3281% | 461 |
| Net loans and leases to core deposits | 123.9006% | 432 |
| Total domestic deposits to total assets | 80.2700% | 3,535 |
| Equity capital to assets | 10.4152% | 1,629 |
| Core capital (leverage) ratio | 10.7629% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $693,586,667 | 1,311 |
| Average earning assets | $667,919,000 | 1,270 |
| Average equity | $71,017,667 | 1,223 |
| Average total loans | $593,007,000 | 1,087 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1002% | 276 |
| Cost of funding earning assets | 2.5833% | 82 |
| Net interest margin | 3.5169% | 2,318 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.0667% | 3,458 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.1506% | 2,065 |
| Return on assets (ROA) | 1.1506% | 2,033 |
| Pretax return on assets | 1.4488% | 1,771 |
| Return on Equity (ROE) | 11.3400% | 2,393 |
| Retained earnings to average equity (ytd only) | 11.3385% | 1,388 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.2686% | 3,050 |
| Assets per employee ($millions) | 13.6186% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 4,217 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.6900% | 144 |
| Net loans and leases to deposits | 105.7323% | 258 |
| Net loans and leases to core deposits | 131.2134% | 262 |
| Total domestic deposits to total assets | 81.0500% | 3,629 |
| Equity capital to assets | 10.3681% | 1,632 |
| Core capital (leverage) ratio | 10.3870% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $685,533,500 | 1,337 |
| Average earning assets | $659,786,500 | 1,299 |
| Average equity | $69,568,500 | 1,251 |
| Average total loans | $598,847,500 | 1,095 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 227 |
| Cost of funding earning assets | 1.1108% | 100 |
| Net interest margin | 4.0826% | 684 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.0779% | 3,358 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.3492% | 1,280 |
| Return on assets (ROA) | 1.3492% | 1,239 |
| Pretax return on assets | 1.6554% | 1,026 |
| Return on Equity (ROE) | 13.6900% | 1,604 |
| Retained earnings to average equity (ytd only) | 13.6865% | 427 |
| Net charge-offs to loans | -0.0033% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.3686% | 4,041 |
| Assets per employee ($millions) | 12.7645% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 4,109 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 87.7500% | 78 |
| Net loans and leases to deposits | 112.1578% | 128 |
| Net loans and leases to core deposits | 139.7849% | 146 |
| Total domestic deposits to total assets | 78.2400% | 4,068 |
| Equity capital to assets | 9.9222% | 1,744 |
| Core capital (leverage) ratio | 9.9363% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $612,496,600 | 1,453 |
| Average earning assets | $590,728,400 | 1,405 |
| Average equity | $60,380,600 | 1,391 |
| Average total loans | $511,545,200 | 1,162 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 228 |
| Cost of funding earning assets | 0.7442% | 209 |
| Net interest margin | 4.2013% | 419 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.0502% | 3,348 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.4580% | 937 |
| Return on assets (ROA) | 1.4580% | 917 |
| Pretax return on assets | 1.8110% | 716 |
| Return on Equity (ROE) | 14.8200% | 1,215 |
| Retained earnings to average equity (ytd only) | 14.8176% | 380 |
| Net charge-offs to loans | -0.0003% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.2351% | 4,203 |
| Assets per employee ($millions) | 13.1460% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 4,290 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.4600% | 214 |
| Net loans and leases to deposits | 101.2087% | 323 |
| Net loans and leases to core deposits | 117.1875% | 310 |
| Total domestic deposits to total assets | 83.4600% | 3,614 |
| Equity capital to assets | 9.4043% | 1,945 |
| Core capital (leverage) ratio | 9.4716% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $596,491,750 | 1,500 |
| Average earning assets | $575,969,250 | 1,441 |
| Average equity | $58,694,500 | 1,441 |
| Average total loans | $489,879,750 | 1,192 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 277 |
| Cost of funding earning assets | 0.4510% | 687 |
| Net interest margin | 4.2008% | 335 |
| Noninterest income to average assets | 0.0973% | 4,494 |
| Noninterest expense to average assets | 2.1059% | 3,131 |
| Loan and lease loss provision to assets | 0.2664% | 264 |
| Net operating income to assets | 1.4538% | 789 |
| Return on assets (ROA) | 1.4538% | 767 |
| Pretax return on assets | 1.7845% | 625 |
| Return on Equity (ROE) | 14.5095% | 998 |
| Retained earnings to average equity (ytd only) | 14.5095% | 313 |
| Net charge-offs to loans | -0.0004% | 2,982 |
| Credit loss provision to net charge-offs | -75,000.0000% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4657% | 4,220 |
| Assets per employee ($millions) | 12.2364% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6099% | 4,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 87.2219% | 62 |
| Net loans and leases to deposits | 110.7740% | 87 |
| Net loans and leases to core deposits | 125.3170% | 149 |
| Total domestic deposits to total assets | 78.7386% | 4,310 |
| Equity capital to assets | 9.7710% | 1,838 |
| Core capital (leverage) ratio | 10.1137% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,076,333 | 1,592 |
| Average earning assets | $544,128,333 | 1,539 |
| Average equity | $56,418,333 | 1,515 |
| Average total loans | $455,669,667 | 1,254 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 408 |
| Cost of funding earning assets | 0.3396% | 1,287 |
| Net interest margin | 4.0091% | 410 |
| Noninterest income to average assets | 0.0999% | 4,509 |
| Noninterest expense to average assets | 2.1070% | 3,121 |
| Loan and lease loss provision to assets | 0.2767% | 222 |
| Net operating income to assets | 1.1708% | 1,324 |
| Return on assets (ROA) | 1.1708% | 1,322 |
| Pretax return on assets | 1.5997% | 828 |
| Return on Equity (ROE) | 11.5066% | 1,453 |
| Retained earnings to average equity (ytd only) | 11.5066% | 678 |
| Net charge-offs to loans | -0.0010% | 3,018 |
| Credit loss provision to net charge-offs | -36,000.0000% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8946% | 4,131 |
| Assets per employee ($millions) | 12.6626% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 4,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.9343% | 741 |
| Net loans and leases to deposits | 84.8577% | 819 |
| Net loans and leases to core deposits | 96.1765% | 647 |
| Total domestic deposits to total assets | 85.9490% | 3,274 |
| Equity capital to assets | 10.7141% | 1,481 |
| Core capital (leverage) ratio | 12.2520% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $520,349,000 | 1,708 |
| Average earning assets | $504,050,500 | 1,661 |
| Average equity | $52,943,500 | 1,651 |
| Average total loans | $398,938,500 | 1,370 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 625 |
| Cost of funding earning assets | 0.3303% | 2,117 |
| Net interest margin | 4.1424% | 548 |
| Noninterest income to average assets | 0.0908% | 4,641 |
| Noninterest expense to average assets | 2.4911% | 2,206 |
| Loan and lease loss provision to assets | 0.2482% | 379 |
| Net operating income to assets | 1.1007% | 2,296 |
| Return on assets (ROA) | 1.1007% | 2,360 |
| Pretax return on assets | 1.3917% | 2,082 |
| Return on Equity (ROE) | 10.0057% | 2,517 |
| Retained earnings to average equity (ytd only) | 10.0057% | 919 |
| Net charge-offs to loans | -0.0003% | 3,212 |
| Credit loss provision to net charge-offs | -95,700.0000% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3026% | 3,106 |
| Assets per employee ($millions) | 10.7018% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 4,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 79.9531% | 269 |
| Net loans and leases to deposits | 91.7810% | 489 |
| Net loans and leases to core deposits | 107.8562% | 327 |
| Total domestic deposits to total assets | 87.1129% | 2,469 |
| Equity capital to assets | 9.5217% | 3,129 |
| Core capital (leverage) ratio | 9.3152% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,580,000 | 2,035 |
| Average earning assets | $376,065,000 | 1,985 |
| Average equity | $42,416,000 | 1,997 |
| Average total loans | $292,749,200 | 1,735 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 804 |
| Cost of funding earning assets | 0.2967% | 2,624 |
| Net interest margin | 4.1065% | 646 |
| Noninterest income to average assets | 0.0948% | 4,688 |
| Noninterest expense to average assets | 2.5915% | 1,868 |
| Loan and lease loss provision to assets | 0.2232% | 444 |
| Net operating income to assets | 0.9693% | 3,023 |
| Return on assets (ROA) | 0.9693% | 3,104 |
| Pretax return on assets | 1.2775% | 2,680 |
| Return on Equity (ROE) | 8.4441% | 3,271 |
| Retained earnings to average equity (ytd only) | 8.4441% | 1,894 |
| Net charge-offs to loans | -0.0005% | 3,082 |
| Credit loss provision to net charge-offs | -61,000.0000% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3274% | 2,488 |
| Assets per employee ($millions) | 10.5849% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 4,484 |
| Loan loss allowance to noncurrent loans | 1,707.1942% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,955 |
| Noncurrent loans to loans | 0.0417% | 3,911 |
| Net loans and leases to total assets | 74.4590% | 655 |
| Net loans and leases to deposits | 86.5919% | 794 |
| Net loans and leases to core deposits | 103.0743% | 490 |
| Total domestic deposits to total assets | 85.9884% | 2,749 |
| Equity capital to assets | 9.7265% | 3,172 |
| Core capital (leverage) ratio | 10.5828% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,255,000 | 2,152 |
| Average earning assets | $354,582,250 | 2,084 |
| Average equity | $41,811,000 | 2,047 |
| Average total loans | $271,135,750 | 1,866 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 932 |
| Cost of funding earning assets | 0.2805% | 2,969 |
| Net interest margin | 4.0639% | 742 |
| Noninterest income to average assets | 0.0942% | 4,710 |
| Noninterest expense to average assets | 2.6609% | 1,688 |
| Loan and lease loss provision to assets | 0.1837% | 623 |
| Net operating income to assets | 0.9150% | 3,177 |
| Return on assets (ROA) | 0.9150% | 3,255 |
| Pretax return on assets | 1.1989% | 2,913 |
| Return on Equity (ROE) | 7.4708% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.4708% | 2,265 |
| Net charge-offs to loans | -0.0008% | 3,069 |
| Credit loss provision to net charge-offs | -31,000.0000% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8068% | 2,189 |
| Assets per employee ($millions) | 8.8191% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 4,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 75.7912% | 611 |
| Net loans and leases to deposits | 90.6965% | 606 |
| Net loans and leases to core deposits | 99.2379% | 685 |
| Total domestic deposits to total assets | 83.5657% | 3,553 |
| Equity capital to assets | 11.4068% | 1,693 |
| Core capital (leverage) ratio | 11.0864% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,484,333 | 2,270 |
| Average earning assets | $327,959,000 | 2,203 |
| Average equity | $41,334,333 | 2,053 |
| Average total loans | $250,383,333 | 1,960 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 1,093 |
| Cost of funding earning assets | 0.2972% | 3,025 |
| Net interest margin | 3.9726% | 883 |
| Noninterest income to average assets | 0.0922% | 4,720 |
| Noninterest expense to average assets | 2.6552% | 1,728 |
| Loan and lease loss provision to assets | 0.2492% | 426 |
| Net operating income to assets | 0.7439% | 3,591 |
| Return on assets (ROA) | 0.7439% | 3,664 |
| Pretax return on assets | 1.0354% | 3,273 |
| Return on Equity (ROE) | 5.8421% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.8421% | 2,948 |
| Net charge-offs to loans | -0.0017% | 3,105 |
| Credit loss provision to net charge-offs | -20,000.0000% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3941% | 2,015 |
| Assets per employee ($millions) | 9.2096% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 4,451 |
| Loan loss allowance to noncurrent loans | 12,268.7500% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,370 |
| Noncurrent loans to loans | 0.0063% | 4,299 |
| Net loans and leases to total assets | 70.2426% | 1,256 |
| Net loans and leases to deposits | 84.2561% | 1,118 |
| Net loans and leases to core deposits | 92.4726% | 1,083 |
| Total domestic deposits to total assets | 83.3680% | 3,596 |
| Equity capital to assets | 11.4588% | 1,565 |
| Core capital (leverage) ratio | 12.3713% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,025,000 | 2,335 |
| Average earning assets | $310,928,000 | 2,265 |
| Average equity | $40,876,000 | 2,052 |
| Average total loans | $234,172,000 | 2,072 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 441 |
| Cost of funding earning assets | 0.4446% | 3,314 |
| Net interest margin | 4.6083% | 259 |
| Noninterest income to average assets | 0.1071% | 4,724 |
| Noninterest expense to average assets | 3.1328% | 1,175 |
| Loan and lease loss provision to assets | 0.4175% | 724 |
| Net operating income to assets | 0.7920% | 3,127 |
| Return on assets (ROA) | 0.7920% | 3,238 |
| Pretax return on assets | 1.0008% | 3,045 |
| Return on Equity (ROE) | 4.5071% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.5071% | 2,527 |
| Net charge-offs to loans | 0.0068% | 3,102 |
| Credit loss provision to net charge-offs | 7,766.6667% | 136 |
| Earnings coverage of net charge-offs (x) | 263.8333% | 376 |
| Efficiency ratio | 68.8355% | 2,120 |
| Assets per employee ($millions) | 7.6453% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 4,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.0597% | 893 |
| Net loans and leases to deposits | 95.0170% | 597 |
| Net loans and leases to core deposits | 107.5755% | 582 |
| Total domestic deposits to total assets | 78.9960% | 4,201 |
| Equity capital to assets | 14.3509% | 718 |
| Core capital (leverage) ratio | 14.3661% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,219,000 | 2,773 |
| Average earning assets | $215,265,000 | 2,708 |
| Average equity | $39,227,000 | 2,043 |
| Average total loans | $177,473,000 | 2,430 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 969 |
| Cost of funding earning assets | 0.4907% | 3,285 |
| Net interest margin | 4.2547% | 645 |
| Noninterest income to average assets | 0.1101% | 4,724 |
| Noninterest expense to average assets | 3.2048% | 1,068 |
| Loan and lease loss provision to assets | 0.4172% | 814 |
| Net operating income to assets | 0.4577% | 4,155 |
| Return on assets (ROA) | 0.4577% | 4,220 |
| Pretax return on assets | 0.5780% | 4,142 |
| Return on Equity (ROE) | 2.4516% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.4516% | 3,762 |
| Net charge-offs to loans | 0.0095% | 2,768 |
| Credit loss provision to net charge-offs | 5,433.3333% | 205 |
| Earnings coverage of net charge-offs (x) | 129.5833% | 664 |
| Efficiency ratio | 76.3030% | 1,184 |
| Assets per employee ($millions) | 8.8126% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 4,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 84.1768% | 264 |
| Net loans and leases to deposits | 107.8980% | 272 |
| Net loans and leases to core deposits | 123.3586% | 349 |
| Total domestic deposits to total assets | 78.0152% | 4,201 |
| Equity capital to assets | 14.9305% | 652 |
| Core capital (leverage) ratio | 15.0416% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,305,000 | 2,858 |
| Average earning assets | $200,244,500 | 2,806 |
| Average equity | $38,885,000 | 2,053 |
| Average total loans | $168,319,500 | 2,505 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 1,284 |
| Cost of funding earning assets | 0.5243% | 3,388 |
| Net interest margin | 4.2229% | 876 |
| Noninterest income to average assets | 0.1213% | 4,697 |
| Noninterest expense to average assets | 3.4554% | 789 |
| Loan and lease loss provision to assets | 0.4335% | 898 |
| Net operating income to assets | 0.2204% | 4,545 |
| Return on assets (ROA) | 0.2204% | 4,585 |
| Pretax return on assets | 0.2764% | 4,561 |
| Return on Equity (ROE) | 1.0804% | 4,677 |
| Retained earnings to average equity (ytd only) | 1.0804% | 4,083 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9577% | 698 |
| Assets per employee ($millions) | 8.6975% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 4,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.3085% | 309 |
| Net loans and leases to deposits | 112.2638% | 190 |
| Net loans and leases to core deposits | 118.2737% | 473 |
| Total domestic deposits to total assets | 74.2078% | 4,580 |
| Equity capital to assets | 15.9421% | 477 |
| Core capital (leverage) ratio | 17.1609% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,614,000 | 2,992 |
| Average earning assets | $181,579,667 | 2,939 |
| Average equity | $38,689,000 | 2,054 |
| Average total loans | $149,750,333 | 2,657 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 581 |
| Cost of funding earning assets | 0.6303% | 3,270 |
| Net interest margin | 4.6419% | 381 |
| Noninterest income to average assets | 0.1254% | 4,740 |
| Noninterest expense to average assets | 4.0060% | 505 |
| Loan and lease loss provision to assets | 0.4648% | 640 |
| Net operating income to assets | 0.0615% | 4,701 |
| Return on assets (ROA) | 0.0615% | 4,694 |
| Pretax return on assets | 0.0738% | 4,681 |
| Return on Equity (ROE) | 0.2589% | 4,715 |
| Retained earnings to average equity (ytd only) | 0.2589% | 3,930 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1494% | 580 |
| Assets per employee ($millions) | 6.2829% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.7125% | 1,659 |
| Net loans and leases to deposits | 106.6511% | 271 |
| Net loans and leases to core deposits | 114.8247% | 630 |
| Total domestic deposits to total assets | 69.1155% | 4,890 |
| Equity capital to assets | 21.9532% | 174 |
| Core capital (leverage) ratio | 24.1475% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0814% | 358 |
| Memoranda: | ||
| Average total assets | $162,655,500 | 3,190 |
| Average earning assets | $154,851,000 | 3,144 |
| Average equity | $38,621,500 | 2,037 |
| Average total loans | $122,558,000 | 2,925 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6048% | 473 |
| Cost of funding earning assets | 0.4932% | 4,121 |
| Net interest margin | 5.1116% | 217 |
| Noninterest income to average assets | 0.1652% | 4,662 |
| Noninterest expense to average assets | 4.7483% | 252 |
| Loan and lease loss provision to assets | 0.6443% | 178 |
| Net operating income to assets | -0.3486% | 5,037 |
| Return on assets (ROA) | -0.2266% | 5,032 |
| Pretax return on assets | -0.2737% | 5,033 |
| Return on Equity (ROE) | -0.8551% | 5,011 |
| Retained earnings to average equity (ytd only) | -0.8551% | 4,796 |
| Net charge-offs to loans | -0.0031% | 4,273 |
| Credit loss provision to net charge-offs | -33,550.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5002% | 219 |
| Assets per employee ($millions) | 5.1514% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.0206% | 1,413 |
| Net loans and leases to deposits | 108.3437% | 219 |
| Net loans and leases to core deposits | 118.0577% | 537 |
| Total domestic deposits to total assets | 70.1662% | 4,927 |
| Equity capital to assets | 25.8536% | 115 |
| Core capital (leverage) ratio | 29.2561% | 74 |
| Tier 1 risk-based capital ratio | 29.1496% | 508 |
| Total risk-based capital ratio | 29.8079% | 523 |
| Memoranda: | ||
| Average total assets | $104,141,600 | 3,937 |
| Average earning assets | $97,934,000 | 3,912 |
| Average equity | $27,599,200 | 2,519 |
| Average total loans | $64,101,000 | 3,907 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 778 |
| Cost of funding earning assets | 0.4331% | 4,390 |
| Net interest margin | 4.9161% | 335 |
| Noninterest income to average assets | 0.1882% | 4,589 |
| Noninterest expense to average assets | 4.8001% | 241 |
| Loan and lease loss provision to assets | 0.7541% | 140 |
| Net operating income to assets | -0.5873% | 5,144 |
| Return on assets (ROA) | -0.4137% | 5,137 |
| Pretax return on assets | -0.5329% | 5,141 |
| Return on Equity (ROE) | -1.5457% | 5,108 |
| Retained earnings to average equity (ytd only) | -1.5457% | 4,899 |
| Net charge-offs to loans | -0.0052% | 4,216 |
| Credit loss provision to net charge-offs | -26,250.0000% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9701% | 150 |
| Assets per employee ($millions) | 4.6150% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.1732% | 3,161 |
| Net loans and leases to deposits | 96.6232% | 941 |
| Net loans and leases to core deposits | 105.4148% | 1,226 |
| Total domestic deposits to total assets | 67.4509% | 5,071 |
| Equity capital to assets | 32.1482% | 64 |
| Core capital (leverage) ratio | 34.1260% | 62 |
| Tier 1 risk-based capital ratio | 39.9494% | 244 |
| Total risk-based capital ratio | 40.6858% | 252 |
| Memoranda: | ||
| Average total assets | $92,829,250 | 4,150 |
| Average earning assets | $87,112,250 | 4,131 |
| Average equity | $24,843,250 | 2,747 |
| Average total loans | $51,523,750 | 4,202 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4298% | 645 |
| Cost of funding earning assets | 0.3829% | 4,574 |
| Net interest margin | 5.0469% | 261 |
| Noninterest income to average assets | 0.2101% | 4,482 |
| Noninterest expense to average assets | 4.8320% | 241 |
| Loan and lease loss provision to assets | 0.9311% | 102 |
| Net operating income to assets | -0.6899% | 5,204 |
| Return on assets (ROA) | -0.6899% | 5,208 |
| Pretax return on assets | -0.8642% | 5,215 |
| Return on Equity (ROE) | -2.8521% | 5,183 |
| Retained earnings to average equity (ytd only) | -2.8521% | 4,964 |
| Net charge-offs to loans | -0.0047% | 4,106 |
| Credit loss provision to net charge-offs | -39,000.0000% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6355% | 171 |
| Assets per employee ($millions) | 4.4477% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.4850% | 4,247 |
| Net loans and leases to deposits | 72.4426% | 3,648 |
| Net loans and leases to core deposits | 78.6651% | 3,528 |
| Total domestic deposits to total assets | 73.8308% | 4,846 |
| Equity capital to assets | 25.8244% | 115 |
| Core capital (leverage) ratio | 31.5605% | 66 |
| Tier 1 risk-based capital ratio | 38.1812% | 270 |
| Total risk-based capital ratio | 38.9846% | 276 |
| Memoranda: | ||
| Average total assets | $83,775,330 | 4,310 |
| Average earning assets | $77,829,330 | 4,296 |
| Average equity | $20,266,000 | 3,125 |
| Average total loans | $42,399,000 | 4,436 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 623 |
| Cost of funding earning assets | 0.3394% | 4,709 |
| Net interest margin | 5.0678% | 256 |
| Noninterest income to average assets | 0.2269% | 4,384 |
| Noninterest expense to average assets | 4.7973% | 235 |
| Loan and lease loss provision to assets | 1.0790% | 77 |
| Net operating income to assets | -0.6750% | 5,266 |
| Return on assets (ROA) | -0.6750% | 5,261 |
| Pretax return on assets | -0.8576% | 5,270 |
| Return on Equity (ROE) | -2.9369% | 5,236 |
| Retained earnings to average equity (ytd only) | -2.9369% | 4,813 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5899% | 236 |
| Assets per employee ($millions) | 3.7687% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 54.9778% | 4,137 |
| Net loans and leases to deposits | 71.2574% | 3,659 |
| Net loans and leases to core deposits | 75.7790% | 3,673 |
| Total domestic deposits to total assets | 77.1539% | 4,639 |
| Equity capital to assets | 22.5064% | 161 |
| Core capital (leverage) ratio | 22.9894% | 152 |
| Tier 1 risk-based capital ratio | 33.4904% | 369 |
| Total risk-based capital ratio | 34.2425% | 375 |
| Memoranda: | ||
| Average total assets | $72,291,000 | 4,530 |
| Average earning assets | $68,353,000 | 4,505 |
| Average equity | $16,616,000 | 3,515 |
| Average total loans | $34,772,500 | 4,675 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1001% | 5,190 |
| Cost of funding earning assets | 0.1757% | 5,092 |
| Net interest margin | 2.9244% | 4,881 |
| Noninterest income to average assets | 0.2399% | 4,480 |
| Noninterest expense to average assets | 3.6519% | 820 |
| Loan and lease loss provision to assets | 0.3453% | 447 |
| Net operating income to assets | -0.8325% | 5,335 |
| Return on assets (ROA) | -0.8375% | 5,329 |
| Pretax return on assets | -1.0443% | 5,335 |
| Return on Equity (ROE) | -3.6148% | 5,301 |
| Retained earnings to average equity (ytd only) | -3.6148% | 5,205 |
| Net charge-offs to loans | -0.0152% | 4,615 |
| Credit loss provision to net charge-offs | -8,350.0000% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.4102% | 53 |
| Assets per employee ($millions) | 4.3255% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6092% | 4,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 39.8408% | 4,951 |
| Net loans and leases to deposits | 52.2989% | 4,815 |
| Net loans and leases to core deposits | 54.9668% | 4,812 |
| Total domestic deposits to total assets | 76.1791% | 4,734 |
| Equity capital to assets | 23.5060% | 136 |
| Core capital (leverage) ratio | 24.6166% | 122 |
| Tier 1 risk-based capital ratio | 42.1511% | 205 |
| Total risk-based capital ratio | 42.6110% | 213 |
| Memoranda: | ||
| Average total assets | $48,357,800 | 4,963 |
| Average earning assets | $44,967,000 | 4,956 |
| Average equity | $11,203,800 | 4,132 |
| Average total loans | $13,154,600 | 5,227 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3599% | 5,423 |
| Cost of funding earning assets | 0.1102% | 5,328 |
| Net interest margin | 2.2498% | 5,370 |
| Noninterest income to average assets | 0.2256% | 4,621 |
| Noninterest expense to average assets | 3.2170% | 1,487 |
| Loan and lease loss provision to assets | 0.0773% | 2,413 |
| Net operating income to assets | -0.9858% | 5,419 |
| Return on assets (ROA) | -0.9951% | 5,414 |
| Pretax return on assets | -0.9951% | 5,412 |
| Return on Equity (ROE) | -4.3201% | 5,383 |
| Retained earnings to average equity (ytd only) | -4.3201% | 5,293 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.3574% | 31 |
| Assets per employee ($millions) | 3.8221% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1995% | 5,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 21.2725% | 5,375 |
| Net loans and leases to deposits | 29.2002% | 5,349 |
| Net loans and leases to core deposits | 29.7016% | 5,347 |
| Total domestic deposits to total assets | 72.8505% | 5,069 |
| Equity capital to assets | 26.6573% | 94 |
| Core capital (leverage) ratio | 26.6621% | 91 |
| Tier 1 risk-based capital ratio | 62.2493% | 82 |
| Total risk-based capital ratio | 62.3534% | 83 |
| Memoranda: | ||
| Average total assets | $43,145,250 | 5,122 |
| Average earning assets | $39,943,500 | 5,113 |
| Average equity | $9,937,750 | 4,349 |
| Average total loans | $9,507,750 | 5,364 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2135% | 5,533 |
| Cost of funding earning assets | 0.0528% | 5,484 |
| Net interest margin | 1.1608% | 5,529 |
| Noninterest income to average assets | 0.1723% | 4,962 |
| Noninterest expense to average assets | 1.6423% | 5,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4039% | 5,428 |
| Return on assets (ROA) | -0.4200% | 5,426 |
| Pretax return on assets | -0.4200% | 5,422 |
| Return on Equity (ROE) | -1.9958% | 5,398 |
| Retained earnings to average equity (ytd only) | -1.9958% | 5,149 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6087% | 47 |
| Assets per employee ($millions) | 3.0378% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 15.4506% | 5,473 |
| Net loans and leases to deposits | 23.2434% | 5,448 |
| Net loans and leases to core deposits | 23.5870% | 5,449 |
| Total domestic deposits to total assets | 66.4730% | 5,376 |
| Equity capital to assets | 32.0689% | 63 |
| Core capital (leverage) ratio | 39.7472% | 48 |
| Tier 1 risk-based capital ratio | 88.6344% | 49 |
| Total risk-based capital ratio | 88.6344% | 49 |
| Memoranda: | ||
| Average total assets | $37,142,330 | 5,267 |
| Average earning assets | $34,115,000 | 5,258 |
| Average equity | $7,816,330 | 4,727 |
| Average total loans | $8,332,000 | 5,448 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7327% | 5,474 |
| Cost of funding earning assets | 0.1590% | 5,228 |
| Net interest margin | 2.5736% | 5,339 |
| Noninterest income to average assets | 0.5754% | 2,393 |
| Noninterest expense to average assets | 4.1214% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.1642% | 5,543 |
| Return on assets (ROA) | -1.1642% | 5,541 |
| Pretax return on assets | -1.1642% | 5,542 |
| Return on Equity (ROE) | -10.1045% | 5,532 |
| Retained earnings to average equity (ytd only) | -10.1045% | 5,374 |
| Net charge-offs to loans | 0.0470% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -87.0000% | 2,712 |
| Efficiency ratio | 139.3665% | 40 |
| Assets per employee ($millions) | 2.5271% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 26.9448% | 5,425 |
| Net loans and leases to deposits | 30.3337% | 5,444 |
| Net loans and leases to core deposits | 30.3337% | 5,459 |
| Total domestic deposits to total assets | 88.8277% | 1,193 |
| Equity capital to assets | 10.9711% | 2,617 |
| Core capital (leverage) ratio | 12.5964% | 1,348 |
| Tier 1 risk-based capital ratio | 39.8650% | 226 |
| Total risk-based capital ratio | 41.1007% | 225 |
| Memoranda: | ||
| Average total assets | $29,892,500 | 5,434 |
| Average earning assets | $27,665,000 | 5,421 |
| Average equity | $3,444,000 | 5,426 |
| Average total loans | $8,508,500 | 5,501 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6856% | 5,500 |
| Cost of funding earning assets | 0.1269% | 5,378 |
| Net interest margin | 2.5588% | 5,374 |
| Noninterest income to average assets | 1.5292% | 454 |
| Noninterest expense to average assets | 3.4291% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3769% | 4,761 |
| Return on assets (ROA) | 0.3740% | 4,790 |
| Pretax return on assets | 0.4336% | 5,037 |
| Return on Equity (ROE) | 3.1243% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.1243% | 3,430 |
| Net charge-offs to loans | 0.0402% | 2,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,187 |
| Efficiency ratio | 88.6986% | 490 |
| Assets per employee ($millions) | 2.6782% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 29.0937% | 5,445 |
| Net loans and leases to deposits | 33.1490% | 5,475 |
| Net loans and leases to core deposits | 33.1490% | 5,499 |
| Total domestic deposits to total assets | 87.7665% | 1,621 |
| Equity capital to assets | 12.0876% | 1,771 |
| Core capital (leverage) ratio | 13.2875% | 1,041 |
| Tier 1 risk-based capital ratio | 37.9337% | 254 |
| Total risk-based capital ratio | 39.1901% | 249 |
| Memoranda: | ||
| Average total assets | $30,212,400 | 5,489 |
| Average earning assets | $27,591,200 | 5,476 |
| Average equity | $3,616,800 | 5,469 |
| Average total loans | $7,468,000 | 5,588 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6149% | 5,589 |
| Cost of funding earning assets | 0.1252% | 5,453 |
| Net interest margin | 2.4897% | 5,477 |
| Noninterest income to average assets | 1.8376% | 350 |
| Noninterest expense to average assets | 3.1841% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8991% | 3,033 |
| Return on assets (ROA) | 0.8991% | 3,087 |
| Pretax return on assets | 0.9210% | 3,965 |
| Return on Equity (ROE) | 7.5282% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.5282% | 1,418 |
| Net charge-offs to loans | 0.0745% | 2,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 52.5310% | 1,084 |
| Efficiency ratio | 77.5641% | 1,391 |
| Assets per employee ($millions) | 2.5113% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 1,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 27.6712% | 5,539 |
| Net loans and leases to deposits | 31.6759% | 5,565 |
| Net loans and leases to core deposits | 31.6759% | 5,581 |
| Total domestic deposits to total assets | 87.3573% | 1,695 |
| Equity capital to assets | 12.4502% | 1,680 |
| Core capital (leverage) ratio | 13.1780% | 1,135 |
| Tier 1 risk-based capital ratio | 40.5537% | 217 |
| Total risk-based capital ratio | 41.7909% | 213 |
| Memoranda: | ||
| Average total assets | $30,400,500 | 5,542 |
| Average earning assets | $27,686,500 | 5,533 |
| Average equity | $3,630,750 | 5,529 |
| Average total loans | $7,157,750 | 5,658 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5487% | 5,644 |
| Cost of funding earning assets | 0.1162% | 5,528 |
| Net interest margin | 2.4325% | 5,548 |
| Noninterest income to average assets | 2.3419% | 248 |
| Noninterest expense to average assets | 3.0962% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4105% | 1,042 |
| Return on assets (ROA) | 1.4169% | 1,047 |
| Pretax return on assets | 1.4497% | 1,824 |
| Return on Equity (ROE) | 12.0323% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.0323% | 318 |
| Net charge-offs to loans | 0.1786% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 1,324 |
| Efficiency ratio | 68.2081% | 2,971 |
| Assets per employee ($millions) | 2.3708% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 24.3957% | 5,643 |
| Net loans and leases to deposits | 27.8234% | 5,655 |
| Net loans and leases to core deposits | 27.8234% | 5,669 |
| Total domestic deposits to total assets | 87.6805% | 1,628 |
| Equity capital to assets | 12.1573% | 1,822 |
| Core capital (leverage) ratio | 13.1904% | 1,107 |
| Tier 1 risk-based capital ratio | 43.8347% | 170 |
| Total risk-based capital ratio | 45.0918% | 167 |
| Memoranda: | ||
| Average total assets | $30,488,670 | 5,588 |
| Average earning assets | $27,543,670 | 5,583 |
| Average equity | $3,590,330 | 5,578 |
| Average total loans | $6,718,330 | 5,710 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5316% | 5,711 |
| Cost of funding earning assets | 0.1177% | 5,575 |
| Net interest margin | 2.4138% | 5,611 |
| Noninterest income to average assets | 3.9047% | 150 |
| Noninterest expense to average assets | 3.0209% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.0341% | 92 |
| Return on assets (ROA) | 3.0472% | 92 |
| Pretax return on assets | 3.0604% | 128 |
| Return on Equity (ROE) | 26.3098% | 71 |
| Retained earnings to average equity (ytd only) | 26.3098% | 43 |
| Net charge-offs to loans | 0.3840% | 478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 1,063 |
| Efficiency ratio | 49.7826% | 5,387 |
| Assets per employee ($millions) | 2.7865% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 518 |
| Loan loss allowance to noncurrent loans | 3,350.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 5,302 |
| Noncurrent loans to loans | 0.0637% | 4,945 |
| Net loans and leases to total assets | 20.0476% | 5,751 |
| Net loans and leases to deposits | 22.8328% | 5,754 |
| Net loans and leases to core deposits | 22.8328% | 5,756 |
| Total domestic deposits to total assets | 87.8018% | 1,824 |
| Equity capital to assets | 12.0123% | 1,827 |
| Core capital (leverage) ratio | 13.4418% | 993 |
| Tier 1 risk-based capital ratio | 50.9171% | 120 |
| Total risk-based capital ratio | 52.1822% | 117 |
| Memoranda: | ||
| Average total assets | $30,322,500 | 5,656 |
| Average earning assets | $27,177,000 | 5,651 |
| Average equity | $3,512,000 | 5,645 |
| Average total loans | $6,250,500 | 5,784 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3628% | 5,798 |
| Cost of funding earning assets | 0.1219% | 5,607 |
| Net interest margin | 2.2409% | 5,730 |
| Noninterest income to average assets | 0.7159% | 2,098 |
| Noninterest expense to average assets | 2.9403% | 2,527 |
| Loan and lease loss provision to assets | -0.1536% | 5,743 |
| Net operating income to assets | -0.0329% | 5,660 |
| Return on assets (ROA) | 0.1137% | 5,574 |
| Pretax return on assets | 0.1260% | 5,569 |
| Return on Equity (ROE) | 0.9961% | 5,568 |
| Retained earnings to average equity (ytd only) | 0.9961% | 4,925 |
| Net charge-offs to loans | -0.3551% | 5,804 |
| Credit loss provision to net charge-offs | 227.2727% | 1,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9274% | 149 |
| Assets per employee ($millions) | 2.7266% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2662% | 427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 20.2747% | 5,798 |
| Net loans and leases to deposits | 22.8540% | 5,811 |
| Net loans and leases to core deposits | 22.8540% | 5,815 |
| Total domestic deposits to total assets | 88.7140% | 1,262 |
| Equity capital to assets | 11.1426% | 2,485 |
| Core capital (leverage) ratio | 12.2454% | 1,456 |
| Tier 1 risk-based capital ratio | 50.0858% | 134 |
| Total risk-based capital ratio | 51.3267% | 132 |
| Memoranda: | ||
| Average total assets | $32,547,400 | 5,684 |
| Average earning assets | $29,541,600 | 5,668 |
| Average equity | $3,714,600 | 5,675 |
| Average total loans | $6,195,400 | 5,842 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3349% | 5,865 |
| Cost of funding earning assets | 0.1154% | 5,696 |
| Net interest margin | 2.2194% | 5,810 |
| Noninterest income to average assets | 0.6790% | 2,269 |
| Noninterest expense to average assets | 2.9088% | 2,617 |
| Loan and lease loss provision to assets | -0.2009% | 5,870 |
| Net operating income to assets | -0.0174% | 5,726 |
| Return on assets (ROA) | 0.1728% | 5,573 |
| Pretax return on assets | 0.1888% | 5,581 |
| Return on Equity (ROE) | 1.5056% | 5,558 |
| Retained earnings to average equity (ytd only) | 1.5056% | 4,912 |
| Net charge-offs to loans | -0.4524% | 5,880 |
| Credit loss provision to net charge-offs | 238.0952% | 1,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2212% | 134 |
| Assets per employee ($millions) | 2.8988% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 17.8317% | 5,891 |
| Net loans and leases to deposits | 20.3442% | 5,898 |
| Net loans and leases to core deposits | 20.3442% | 5,899 |
| Total domestic deposits to total assets | 87.6501% | 1,589 |
| Equity capital to assets | 12.1115% | 2,029 |
| Core capital (leverage) ratio | 11.9836% | 1,689 |
| Tier 1 risk-based capital ratio | 52.9543% | 117 |
| Total risk-based capital ratio | 54.2085% | 117 |
| Memoranda: | ||
| Average total assets | $33,186,000 | 5,723 |
| Average earning assets | $30,037,000 | 5,718 |
| Average equity | $3,807,750 | 5,727 |
| Average total loans | $6,188,750 | 5,906 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3409% | 5,948 |
| Cost of funding earning assets | 0.1124% | 5,796 |
| Net interest margin | 2.2285% | 5,888 |
| Noninterest income to average assets | 0.6603% | 2,329 |
| Noninterest expense to average assets | 2.8853% | 2,726 |
| Loan and lease loss provision to assets | -0.2975% | 5,979 |
| Net operating income to assets | 0.0773% | 5,697 |
| Return on assets (ROA) | 0.2023% | 5,577 |
| Pretax return on assets | 0.2023% | 5,618 |
| Return on Equity (ROE) | 1.7944% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.7944% | 4,657 |
| Net charge-offs to loans | -0.6339% | 5,964 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2589% | 154 |
| Assets per employee ($millions) | 2.6958% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2824% | 485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 18.3962% | 5,959 |
| Net loans and leases to deposits | 20.9668% | 5,971 |
| Net loans and leases to core deposits | 20.9668% | 5,973 |
| Total domestic deposits to total assets | 87.7400% | 1,554 |
| Equity capital to assets | 12.0313% | 2,106 |
| Core capital (leverage) ratio | 11.5428% | 1,956 |
| Tier 1 risk-based capital ratio | 51.0366% | 125 |
| Total risk-based capital ratio | 52.2886% | 123 |
| Memoranda: | ||
| Average total assets | $33,619,000 | 5,785 |
| Average earning assets | $30,245,000 | 5,785 |
| Average equity | $3,789,670 | 5,796 |
| Average total loans | $6,309,670 | 5,982 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3693% | 6,003 |
| Cost of funding earning assets | 0.1178% | 5,826 |
| Net interest margin | 2.2515% | 5,944 |
| Noninterest income to average assets | 0.5722% | 2,666 |
| Noninterest expense to average assets | 2.8376% | 2,928 |
| Loan and lease loss provision to assets | -0.5839% | 6,092 |
| Net operating income to assets | 0.3270% | 5,221 |
| Return on assets (ROA) | 0.3270% | 5,307 |
| Pretax return on assets | 0.3270% | 5,454 |
| Return on Equity (ROE) | 2.9959% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.9959% | 4,015 |
| Net charge-offs to loans | -0.7477% | 6,026 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9548% | 157 |
| Assets per employee ($millions) | 2.7591% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 18.6173% | 6,011 |
| Net loans and leases to deposits | 21.0944% | 6,019 |
| Net loans and leases to core deposits | 21.0944% | 6,026 |
| Total domestic deposits to total assets | 88.2570% | 1,501 |
| Equity capital to assets | 11.5316% | 2,413 |
| Core capital (leverage) ratio | 11.4216% | 2,032 |
| Tier 1 risk-based capital ratio | 43.9452% | 189 |
| Total risk-based capital ratio | 45.1991% | 186 |
| Memoranda: | ||
| Average total assets | $34,254,000 | 5,832 |
| Average earning assets | $30,557,500 | 5,835 |
| Average equity | $3,738,500 | 5,852 |
| Average total loans | $6,419,500 | 6,043 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7390% | 5,918 |
| Cost of funding earning assets | 0.1226% | 5,868 |
| Net interest margin | 2.6163% | 5,740 |
| Noninterest income to average assets | 0.6599% | 2,406 |
| Noninterest expense to average assets | 2.5633% | 4,032 |
| Loan and lease loss provision to assets | -0.1760% | 5,959 |
| Net operating income to assets | 0.3899% | 5,085 |
| Return on assets (ROA) | 0.4311% | 5,026 |
| Pretax return on assets | 0.5807% | 4,896 |
| Return on Equity (ROE) | 4.0000% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.0000% | 3,179 |
| Net charge-offs to loans | -0.5675% | 6,093 |
| Credit loss provision to net charge-offs | 153.8462% | 1,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0161% | 832 |
| Assets per employee ($millions) | 2.9499% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5825% | 362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 18.0090% | 6,081 |
| Net loans and leases to deposits | 20.1320% | 6,091 |
| Net loans and leases to core deposits | 20.1320% | 6,094 |
| Total domestic deposits to total assets | 89.4545% | 885 |
| Equity capital to assets | 10.3365% | 3,582 |
| Core capital (leverage) ratio | 11.1776% | 2,239 |
| Tier 1 risk-based capital ratio | 37.5638% | 267 |
| Total risk-based capital ratio | 38.8139% | 263 |
| Memoranda: | ||
| Average total assets | $34,096,400 | 5,886 |
| Average earning assets | $29,354,000 | 5,912 |
| Average equity | $3,675,000 | 5,904 |
| Average total loans | $6,872,800 | 6,088 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8745% | 5,917 |
| Cost of funding earning assets | 0.1246% | 5,949 |
| Net interest margin | 2.7499% | 5,664 |
| Noninterest income to average assets | 0.6514% | 2,472 |
| Noninterest expense to average assets | 2.4597% | 4,317 |
| Loan and lease loss provision to assets | -0.2369% | 6,125 |
| Net operating income to assets | 0.5984% | 4,391 |
| Return on assets (ROA) | 0.6554% | 4,217 |
| Pretax return on assets | 0.8567% | 4,148 |
| Return on Equity (ROE) | 6.0160% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.0160% | 2,236 |
| Net charge-offs to loans | -1.1119% | 6,214 |
| Credit loss provision to net charge-offs | 103.4483% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8660% | 1,414 |
| Assets per employee ($millions) | 2.8769% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8245% | 291 |
| Loan loss allowance to noncurrent loans | 1,566.6667% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,652 |
| Noncurrent loans to loans | 0.1803% | 4,926 |
| Net loans and leases to total assets | 18.7353% | 6,156 |
| Net loans and leases to deposits | 21.1338% | 6,170 |
| Net loans and leases to core deposits | 21.1338% | 6,176 |
| Total domestic deposits to total assets | 88.6510% | 1,207 |
| Equity capital to assets | 10.9666% | 3,065 |
| Core capital (leverage) ratio | 10.8920% | 2,598 |
| Tier 1 risk-based capital ratio | 36.0681% | 322 |
| Total risk-based capital ratio | 37.3207% | 322 |
| Memoranda: | ||
| Average total assets | $33,770,750 | 5,974 |
| Average earning assets | $28,897,000 | 6,000 |
| Average equity | $3,679,000 | 5,984 |
| Average total loans | $6,955,000 | 6,169 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 5,811 |
| Cost of funding earning assets | 0.1268% | 6,004 |
| Net interest margin | 2.9167% | 5,412 |
| Noninterest income to average assets | 0.6146% | 2,658 |
| Noninterest expense to average assets | 2.3210% | 4,792 |
| Loan and lease loss provision to assets | -0.3580% | 6,248 |
| Net operating income to assets | 0.8782% | 2,999 |
| Return on assets (ROA) | 0.9666% | 2,662 |
| Pretax return on assets | 1.2351% | 2,625 |
| Return on Equity (ROE) | 8.8930% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.8930% | 961 |
| Net charge-offs to loans | -1.6160% | 6,293 |
| Credit loss provision to net charge-offs | 105.2632% | 1,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2418% | 2,507 |
| Assets per employee ($millions) | 2.9563% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6589% | 393 |
| Loan loss allowance to noncurrent loans | 1,438.4615% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,719 |
| Noncurrent loans to loans | 0.1848% | 5,038 |
| Net loans and leases to total assets | 19.2976% | 6,217 |
| Net loans and leases to deposits | 21.6208% | 6,233 |
| Net loans and leases to core deposits | 21.6208% | 6,238 |
| Total domestic deposits to total assets | 89.2547% | 1,023 |
| Equity capital to assets | 10.6015% | 3,319 |
| Core capital (leverage) ratio | 11.2360% | 2,216 |
| Tier 1 risk-based capital ratio | 35.4288% | 352 |
| Total risk-based capital ratio | 36.6824% | 352 |
| Memoranda: | ||
| Average total assets | $33,520,000 | 6,044 |
| Average earning assets | $28,388,330 | 6,078 |
| Average equity | $3,643,330 | 6,049 |
| Average total loans | $7,054,670 | 6,242 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,788 |
| Cost of funding earning assets | 0.1348% | 6,033 |
| Net interest margin | 3.4311% | 3,708 |
| Noninterest income to average assets | 0.5777% | 2,789 |
| Noninterest expense to average assets | 1.9790% | 5,622 |
| Loan and lease loss provision to assets | -0.7375% | 6,371 |
| Net operating income to assets | 1.6963% | 594 |
| Return on assets (ROA) | 1.6963% | 622 |
| Pretax return on assets | 2.1511% | 430 |
| Return on Equity (ROE) | 15.3996% | 649 |
| Retained earnings to average equity (ytd only) | 15.3996% | 251 |
| Net charge-offs to loans | -3.2269% | 6,371 |
| Credit loss provision to net charge-offs | 105.2632% | 1,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 5,299 |
| Assets per employee ($millions) | 2.7043% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5772% | 476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 21.7836% | 6,251 |
| Net loans and leases to deposits | 24.6573% | 6,267 |
| Net loans and leases to core deposits | 24.6573% | 6,272 |
| Total domestic deposits to total assets | 88.3455% | 1,635 |
| Equity capital to assets | 11.5312% | 2,440 |
| Core capital (leverage) ratio | 11.5561% | 1,958 |
| Tier 1 risk-based capital ratio | 37.8705% | 290 |
| Total risk-based capital ratio | 39.1190% | 289 |
| Memoranda: | ||
| Average total assets | $32,542,000 | 6,133 |
| Average earning assets | $26,697,000 | 6,168 |
| Average equity | $3,584,500 | 6,113 |
| Average total loans | $7,065,500 | 6,310 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 5,996 |
| Cost of funding earning assets | 0.1574% | 6,053 |
| Net interest margin | 2.9081% | 5,629 |
| Noninterest income to average assets | 0.4684% | 3,723 |
| Noninterest expense to average assets | 3.6076% | 1,293 |
| Loan and lease loss provision to assets | -0.3146% | 6,379 |
| Net operating income to assets | -0.5593% | 6,311 |
| Return on assets (ROA) | -0.5593% | 6,310 |
| Pretax return on assets | -0.4999% | 6,289 |
| Return on Equity (ROE) | -4.6683% | 6,283 |
| Retained earnings to average equity (ytd only) | -4.6683% | 6,167 |
| Net charge-offs to loans | -1.0835% | 6,449 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1615% | 95 |
| Assets per employee ($millions) | 2.9666% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7636% | 388 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 6,083 |
| Noncurrent loans to loans | 0.0145% | 5,850 |
| Net loans and leases to total assets | 20.4854% | 6,361 |
| Net loans and leases to deposits | 22.9150% | 6,380 |
| Net loans and leases to core deposits | 22.9150% | 6,383 |
| Total domestic deposits to total assets | 89.3972% | 1,020 |
| Equity capital to assets | 10.5016% | 3,477 |
| Core capital (leverage) ratio | 11.3217% | 2,110 |
| Tier 1 risk-based capital ratio | 36.8852% | 288 |
| Total risk-based capital ratio | 38.1511% | 280 |
| Memoranda: | ||
| Average total assets | $28,606,600 | 6,276 |
| Average earning assets | $22,867,400 | 6,319 |
| Average equity | $3,427,400 | 6,194 |
| Average total loans | $6,645,200 | 6,402 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0986% | 6,033 |
| Cost of funding earning assets | 0.1577% | 6,138 |
| Net interest margin | 2.9410% | 5,616 |
| Noninterest income to average assets | 0.4203% | 4,091 |
| Noninterest expense to average assets | 3.7874% | 986 |
| Loan and lease loss provision to assets | -0.4348% | 6,517 |
| Net operating income to assets | -0.6570% | 6,409 |
| Return on assets (ROA) | -0.6570% | 6,409 |
| Pretax return on assets | -0.5893% | 6,380 |
| Return on Equity (ROE) | -5.2904% | 6,376 |
| Retained earnings to average equity (ytd only) | -5.2904% | 6,267 |
| Net charge-offs to loans | -1.1537% | 6,527 |
| Credit loss provision to net charge-offs | 157.8947% | 1,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.0629% | 78 |
| Assets per employee ($millions) | 2.3202% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6316% | 542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 4,678 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 23.2562% | 6,401 |
| Net loans and leases to deposits | 26.5391% | 6,420 |
| Net loans and leases to core deposits | 26.8149% | 6,426 |
| Total domestic deposits to total assets | 87.6302% | 1,962 |
| Equity capital to assets | 12.1579% | 1,938 |
| Core capital (leverage) ratio | 12.5683% | 1,370 |
| Tier 1 risk-based capital ratio | 35.1573% | 347 |
| Total risk-based capital ratio | 36.4093% | 343 |
| Memoranda: | ||
| Average total assets | $27,600,000 | 6,374 |
| Average earning assets | $21,987,750 | 6,408 |
| Average equity | $3,427,500 | 6,261 |
| Average total loans | $6,587,750 | 6,478 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1749% | 5,981 |
| Cost of funding earning assets | 0.1574% | 6,217 |
| Net interest margin | 3.0175% | 5,468 |
| Noninterest income to average assets | 1.0393% | 1,101 |
| Noninterest expense to average assets | 3.8882% | 863 |
| Loan and lease loss provision to assets | -0.6541% | 6,612 |
| Net operating income to assets | 0.2108% | 5,800 |
| Return on assets (ROA) | 0.2108% | 5,858 |
| Pretax return on assets | 0.1744% | 5,977 |
| Return on Equity (ROE) | 1.6852% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.6852% | 5,060 |
| Net charge-offs to loans | -1.7055% | 6,596 |
| Credit loss provision to net charge-offs | 160.7143% | 1,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0725% | 193 |
| Assets per employee ($millions) | 2.3306% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7226% | 520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 2,186 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 22.2298% | 6,481 |
| Net loans and leases to deposits | 25.5844% | 6,497 |
| Net loans and leases to core deposits | 25.8514% | 6,494 |
| Total domestic deposits to total assets | 86.8881% | 2,520 |
| Equity capital to assets | 12.9438% | 1,402 |
| Core capital (leverage) ratio | 13.4164% | 1,009 |
| Tier 1 risk-based capital ratio | 35.2578% | 338 |
| Total risk-based capital ratio | 36.5113% | 336 |
| Memoranda: | ||
| Average total assets | $27,519,330 | 6,436 |
| Average earning assets | $21,607,000 | 6,482 |
| Average equity | $3,441,670 | 6,305 |
| Average total loans | $6,567,000 | 6,542 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2736% | 5,893 |
| Cost of funding earning assets | 0.1496% | 6,356 |
| Net interest margin | 3.1239% | 5,160 |
| Noninterest income to average assets | 0.8060% | 1,724 |
| Noninterest expense to average assets | 3.6929% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3371% | 6,415 |
| Return on assets (ROA) | -0.3371% | 6,414 |
| Pretax return on assets | -0.4396% | 6,441 |
| Return on Equity (ROE) | -2.7442% | 6,394 |
| Retained earnings to average equity (ytd only) | -2.7442% | 5,937 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5135% | 231 |
| Assets per employee ($millions) | 2.3075% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3037% | 326 |
| Loan loss allowance to noncurrent loans | 533.3333% | 886 |
| Noncurrent assets plus other real estate owned to assets | 1.7046% | 2,072 |
| Noncurrent loans to loans | 0.6194% | 4,315 |
| Net loans and leases to total assets | 21.9863% | 6,541 |
| Net loans and leases to deposits | 25.1903% | 6,560 |
| Net loans and leases to core deposits | 25.4547% | 6,562 |
| Total domestic deposits to total assets | 87.2806% | 2,649 |
| Equity capital to assets | 12.5316% | 1,556 |
| Core capital (leverage) ratio | 13.9438% | 836 |
| Tier 1 risk-based capital ratio | 35.8263% | 324 |
| Total risk-based capital ratio | 37.0888% | 316 |
| Memoranda: | ||
| Average total assets | $27,295,500 | 6,510 |
| Average earning assets | $21,383,500 | 6,556 |
| Average equity | $3,352,500 | 6,375 |
| Average total loans | $6,655,000 | 6,606 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 5,006 |
| Cost of funding earning assets | 0.1635% | 6,479 |
| Net interest margin | 3.5755% | 3,575 |
| Noninterest income to average assets | 0.7438% | 2,317 |
| Noninterest expense to average assets | 4.1418% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.3500% | 6,440 |
| Return on assets (ROA) | -0.3500% | 6,453 |
| Pretax return on assets | -0.4484% | 6,470 |
| Return on Equity (ROE) | -2.6301% | 6,410 |
| Retained earnings to average equity (ytd only) | -2.6301% | 6,237 |
| Net charge-offs to loans | 0.3031% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -5.1250% | 5,395 |
| Efficiency ratio | 112.1422% | 243 |
| Assets per employee ($millions) | 2.2418% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9655% | 493 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9070% | 1,895 |
| Noncurrent loans to loans | 1.1406% | 3,262 |
| Net loans and leases to total assets | 25.3002% | 6,582 |
| Net loans and leases to deposits | 28.7792% | 6,603 |
| Net loans and leases to core deposits | 29.0880% | 6,612 |
| Total domestic deposits to total assets | 87.9112% | 2,225 |
| Equity capital to assets | 12.0256% | 1,782 |
| Core capital (leverage) ratio | 13.6463% | 914 |
| Tier 1 risk-based capital ratio | 33.5496% | 380 |
| Total risk-based capital ratio | 34.8108% | 370 |
| Memoranda: | ||
| Average total assets | $27,428,000 | 6,573 |
| Average earning assets | $22,626,400 | 6,608 |
| Average equity | $3,650,000 | 6,402 |
| Average total loans | $7,918,400 | 6,653 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 4,524 |
| Cost of funding earning assets | 0.1640% | 6,580 |
| Net interest margin | 3.7304% | 2,919 |
| Noninterest income to average assets | 0.7257% | 2,484 |
| Noninterest expense to average assets | 4.0057% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1403% | 6,424 |
| Return on assets (ROA) | -0.1403% | 6,453 |
| Pretax return on assets | -0.1984% | 6,471 |
| Return on Equity (ROE) | -1.0302% | 6,428 |
| Retained earnings to average equity (ytd only) | -1.0302% | 6,139 |
| Net charge-offs to loans | 0.3929% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.7084% | 5,067 |
| Efficiency ratio | 105.2097% | 344 |
| Assets per employee ($millions) | 2.2470% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9736% | 565 |
| Loan loss allowance to noncurrent loans | 46.0177% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.4194% | 999 |
| Noncurrent loans to loans | 6.4618% | 356 |
| Net loans and leases to total assets | 25.1706% | 6,664 |
| Net loans and leases to deposits | 28.9758% | 6,684 |
| Net loans and leases to core deposits | 29.2884% | 6,690 |
| Total domestic deposits to total assets | 86.8677% | 2,758 |
| Equity capital to assets | 12.9098% | 1,370 |
| Core capital (leverage) ratio | 13.9751% | 876 |
| Tier 1 risk-based capital ratio | 35.0069% | 336 |
| Total risk-based capital ratio | 36.2644% | 328 |
| Memoranda: | ||
| Average total assets | $27,559,750 | 6,649 |
| Average earning assets | $22,767,250 | 6,678 |
| Average equity | $3,753,750 | 6,454 |
| Average total loans | $8,144,500 | 6,717 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,608 |
| Cost of funding earning assets | 0.1745% | 6,603 |
| Net interest margin | 3.9607% | 2,007 |
| Noninterest income to average assets | 0.7565% | 2,384 |
| Noninterest expense to average assets | 3.9123% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1441% | 6,036 |
| Return on assets (ROA) | 0.1441% | 6,142 |
| Pretax return on assets | 0.1153% | 6,210 |
| Return on Equity (ROE) | 1.0404% | 6,203 |
| Retained earnings to average equity (ytd only) | 1.0404% | 5,487 |
| Net charge-offs to loans | 0.5394% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6957% | 4,290 |
| Efficiency ratio | 97.1377% | 612 |
| Assets per employee ($millions) | 2.3020% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7048% | 790 |
| Loan loss allowance to noncurrent loans | 65.3125% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.8888% | 1,420 |
| Noncurrent loans to loans | 4.1413% | 921 |
| Net loans and leases to total assets | 27.2155% | 6,650 |
| Net loans and leases to deposits | 31.4930% | 6,666 |
| Net loans and leases to core deposits | 32.1750% | 6,681 |
| Total domestic deposits to total assets | 86.4176% | 3,157 |
| Equity capital to assets | 13.3181% | 1,214 |
| Core capital (leverage) ratio | 13.7552% | 898 |
| Tier 1 risk-based capital ratio | 33.5286% | 389 |
| Total risk-based capital ratio | 34.7879% | 381 |
| Memoranda: | ||
| Average total assets | $27,758,330 | 6,698 |
| Average earning assets | $22,925,330 | 6,723 |
| Average equity | $3,844,670 | 6,486 |
| Average total loans | $8,527,670 | 6,758 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 1,082 |
| Cost of funding earning assets | 0.1757% | 6,695 |
| Net interest margin | 4.7251% | 457 |
| Noninterest income to average assets | 0.6469% | 2,892 |
| Noninterest expense to average assets | 3.8238% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5606% | 4,408 |
| Return on assets (ROA) | 0.5606% | 4,565 |
| Pretax return on assets | 0.6900% | 4,619 |
| Return on Equity (ROE) | 3.9720% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.9720% | 3,853 |
| Net charge-offs to loans | 1.0753% | 557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,166 |
| Efficiency ratio | 84.7134% | 1,678 |
| Assets per employee ($millions) | 2.3213% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 1,144 |
| Loan loss allowance to noncurrent loans | 59.2593% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 3.2561% | 1,337 |
| Noncurrent loans to loans | 4.1791% | 1,056 |
| Net loans and leases to total assets | 29.4059% | 6,627 |
| Net loans and leases to deposits | 34.3093% | 6,626 |
| Net loans and leases to core deposits | 35.0507% | 6,648 |
| Total domestic deposits to total assets | 85.7081% | 3,675 |
| Equity capital to assets | 14.1231% | 990 |
| Core capital (leverage) ratio | 14.1696% | 751 |
| Tier 1 risk-based capital ratio | 32.7408% | 422 |
| Total risk-based capital ratio | 33.9985% | 411 |
| Memoranda: | ||
| Average total assets | $27,825,500 | 6,763 |
| Average earning assets | $22,772,000 | 6,794 |
| Average equity | $3,927,500 | 6,535 |
| Average total loans | $8,928,000 | 6,812 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 4,412 |
| Cost of funding earning assets | 0.2134% | 6,799 |
| Net interest margin | 4.0329% | 2,261 |
| Noninterest income to average assets | 0.6844% | 2,805 |
| Noninterest expense to average assets | 3.7694% | 1,301 |
| Loan and lease loss provision to assets | 0.3583% | 1,861 |
| Net operating income to assets | -0.0430% | 6,227 |
| Return on assets (ROA) | -0.0430% | 6,340 |
| Pretax return on assets | -0.0573% | 6,333 |
| Return on Equity (ROE) | -0.3077% | 6,336 |
| Retained earnings to average equity (ytd only) | -0.3077% | 5,908 |
| Net charge-offs to loans | 0.6201% | 1,892 |
| Credit loss provision to net charge-offs | 151.5152% | 1,795 |
| Earnings coverage of net charge-offs (x) | 1.2727% | 4,824 |
| Efficiency ratio | 92.6056% | 878 |
| Assets per employee ($millions) | 2.3163% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 1,179 |
| Loan loss allowance to noncurrent loans | 205.3097% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 2.1442% | 2,278 |
| Noncurrent loans to loans | 1.1949% | 3,861 |
| Net loans and leases to total assets | 33.1882% | 6,586 |
| Net loans and leases to deposits | 38.6874% | 6,611 |
| Net loans and leases to core deposits | 39.5244% | 6,630 |
| Total domestic deposits to total assets | 85.7857% | 3,468 |
| Equity capital to assets | 14.1063% | 1,001 |
| Core capital (leverage) ratio | 14.1069% | 771 |
| Tier 1 risk-based capital ratio | 30.8165% | 480 |
| Total risk-based capital ratio | 32.0762% | 470 |
| Memoranda: | ||
| Average total assets | $27,908,600 | 6,805 |
| Average earning assets | $23,432,000 | 6,828 |
| Average equity | $3,900,200 | 6,592 |
| Average total loans | $10,643,600 | 6,822 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 4,446 |
| Cost of funding earning assets | 0.2216% | 6,900 |
| Net interest margin | 4.0801% | 2,172 |
| Noninterest income to average assets | 0.7254% | 2,592 |
| Noninterest expense to average assets | 3.7083% | 1,351 |
| Loan and lease loss provision to assets | 0.4773% | 1,298 |
| Net operating income to assets | -0.0525% | 6,344 |
| Return on assets (ROA) | -0.0525% | 6,460 |
| Pretax return on assets | -0.0334% | 6,429 |
| Return on Equity (ROE) | -0.3766% | 6,451 |
| Retained earnings to average equity (ytd only) | -0.3766% | 6,159 |
| Net charge-offs to loans | 1.2431% | 775 |
| Credit loss provision to net charge-offs | 98.0392% | 3,053 |
| Earnings coverage of net charge-offs (x) | 0.9118% | 4,873 |
| Efficiency ratio | 89.3103% | 1,084 |
| Assets per employee ($millions) | 2.1242% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,480 |
| Loan loss allowance to noncurrent loans | 171.9298% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 2.8754% | 1,827 |
| Noncurrent loans to loans | 1.1044% | 4,211 |
| Net loans and leases to total assets | 36.6698% | 6,508 |
| Net loans and leases to deposits | 42.8850% | 6,558 |
| Net loans and leases to core deposits | 43.8203% | 6,603 |
| Total domestic deposits to total assets | 85.5074% | 3,505 |
| Equity capital to assets | 14.1921% | 1,080 |
| Core capital (leverage) ratio | 13.8915% | 868 |
| Tier 1 risk-based capital ratio | 28.8990% | 593 |
| Total risk-based capital ratio | 30.1506% | 584 |
| Memoranda: | ||
| Average total assets | $27,936,750 | 6,894 |
| Average earning assets | $23,462,750 | 6,915 |
| Average equity | $3,895,000 | 6,670 |
| Average total loans | $10,940,250 | 6,899 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 4,445 |
| Cost of funding earning assets | 0.2293% | 6,973 |
| Net interest margin | 4.1021% | 2,084 |
| Noninterest income to average assets | 0.7631% | 2,361 |
| Noninterest expense to average assets | 3.7298% | 1,327 |
| Loan and lease loss provision to assets | 0.7132% | 757 |
| Net operating income to assets | -0.2496% | 6,580 |
| Return on assets (ROA) | -0.2496% | 6,642 |
| Pretax return on assets | -0.2353% | 6,603 |
| Return on Equity (ROE) | -1.8009% | 6,606 |
| Retained earnings to average equity (ytd only) | -1.8009% | 6,330 |
| Net charge-offs to loans | 1.8661% | 472 |
| Credit loss provision to net charge-offs | 96.1538% | 2,874 |
| Earnings coverage of net charge-offs (x) | 0.6442% | 4,742 |
| Efficiency ratio | 88.6441% | 1,179 |
| Assets per employee ($millions) | 2.1776% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 2,872 |
| Loan loss allowance to noncurrent loans | 17.5993% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 5.0620% | 939 |
| Noncurrent loans to loans | 10.1960% | 254 |
| Net loans and leases to total assets | 37.6983% | 6,507 |
| Net loans and leases to deposits | 43.8509% | 6,561 |
| Net loans and leases to core deposits | 44.3134% | 6,651 |
| Total domestic deposits to total assets | 85.9691% | 3,366 |
| Equity capital to assets | 13.7165% | 1,208 |
| Core capital (leverage) ratio | 13.6252% | 930 |
| Tier 1 risk-based capital ratio | 28.3763% | 621 |
| Total risk-based capital ratio | 29.6315% | 607 |
| Memoranda: | ||
| Average total assets | $28,044,330 | 6,947 |
| Average earning assets | $23,548,670 | 6,971 |
| Average equity | $3,887,000 | 6,717 |
| Average total loans | $11,146,330 | 6,954 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 4,363 |
| Cost of funding earning assets | 0.2364% | 7,039 |
| Net interest margin | 4.1539% | 1,922 |
| Noninterest income to average assets | 0.7309% | 2,492 |
| Noninterest expense to average assets | 3.6687% | 1,428 |
| Loan and lease loss provision to assets | 1.4331% | 247 |
| Net operating income to assets | -0.8455% | 6,967 |
| Return on assets (ROA) | -0.8455% | 6,982 |
| Pretax return on assets | -0.8455% | 6,943 |
| Return on Equity (ROE) | -6.0684% | 6,889 |
| Retained earnings to average equity (ytd only) | -6.0684% | 6,665 |
| Net charge-offs to loans | 3.5442% | 183 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 0.4100% | 4,150 |
| Efficiency ratio | 86.1953% | 1,462 |
| Assets per employee ($millions) | 2.1780% | 7,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 3,061 |
| Loan loss allowance to noncurrent loans | 30.6028% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 2.7266% | 2,165 |
| Noncurrent loans to loans | 5.8131% | 886 |
| Net loans and leases to total assets | 38.6099% | 6,451 |
| Net loans and leases to deposits | 44.8235% | 6,509 |
| Net loans and leases to core deposits | 45.2933% | 6,607 |
| Total domestic deposits to total assets | 86.1376% | 3,452 |
| Equity capital to assets | 13.6364% | 1,181 |
| Core capital (leverage) ratio | 13.3970% | 981 |
| Tier 1 risk-based capital ratio | 28.1107% | 631 |
| Total risk-based capital ratio | 29.3624% | 616 |
| Memoranda: | ||
| Average total assets | $27,912,000 | 7,003 |
| Average earning assets | $23,688,500 | 7,028 |
| Average equity | $3,889,000 | 6,751 |
| Average total loans | $11,286,000 | 7,012 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 5,431 |
| Cost of funding earning assets | 0.3226% | 7,069 |
| Net interest margin | 4.0759% | 2,541 |
| Noninterest income to average assets | 0.8272% | 1,935 |
| Noninterest expense to average assets | 4.1359% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2770% | 5,341 |
| Return on assets (ROA) | 0.2770% | 5,493 |
| Pretax return on assets | 0.2843% | 5,603 |
| Return on Equity (ROE) | 1.9548% | 5,675 |
| Retained earnings to average equity (ytd only) | 1.9548% | 4,818 |
| Net charge-offs to loans | 0.0843% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.7000% | 2,286 |
| Efficiency ratio | 93.5673% | 951 |
| Assets per employee ($millions) | 2.1162% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 3,090 |
| Loan loss allowance to noncurrent loans | 59.2814% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.9884% | 2,981 |
| Noncurrent loans to loans | 2.9191% | 2,232 |
| Net loans and leases to total assets | 40.8724% | 6,478 |
| Net loans and leases to deposits | 47.7757% | 6,510 |
| Net loans and leases to core deposits | 48.2969% | 6,623 |
| Total domestic deposits to total assets | 85.5507% | 3,567 |
| Equity capital to assets | 14.2385% | 989 |
| Core capital (leverage) ratio | 14.4357% | 728 |
| Tier 1 risk-based capital ratio | 28.4728% | 588 |
| Total risk-based capital ratio | 29.7283% | 577 |
| Memoranda: | ||
| Average total assets | $27,079,800 | 7,048 |
| Average earning assets | $23,872,200 | 7,045 |
| Average equity | $3,836,800 | 6,796 |
| Average total loans | $11,855,600 | 7,038 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 5,683 |
| Cost of funding earning assets | 0.3462% | 7,132 |
| Net interest margin | 4.0312% | 2,772 |
| Noninterest income to average assets | 0.8206% | 1,956 |
| Noninterest expense to average assets | 4.2265% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2076% | 5,683 |
| Return on assets (ROA) | 0.2076% | 5,814 |
| Pretax return on assets | 0.1631% | 5,971 |
| Return on Equity (ROE) | 1.4672% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.4672% | 5,409 |
| Net charge-offs to loans | 0.0780% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.7160% | 2,985 |
| Efficiency ratio | 96.2838% | 806 |
| Assets per employee ($millions) | 2.0508% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 3,305 |
| Loan loss allowance to noncurrent loans | 138.6207% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3428% | 4,128 |
| Noncurrent loans to loans | 1.2203% | 4,508 |
| Net loans and leases to total assets | 43.8131% | 6,348 |
| Net loans and leases to deposits | 51.4808% | 6,405 |
| Net loans and leases to core deposits | 52.0613% | 6,562 |
| Total domestic deposits to total assets | 85.1056% | 3,722 |
| Equity capital to assets | 14.5756% | 969 |
| Core capital (leverage) ratio | 14.3043% | 817 |
| Tier 1 risk-based capital ratio | 27.7605% | 675 |
| Total risk-based capital ratio | 28.9955% | 662 |
| Memoranda: | ||
| Average total assets | $26,972,250 | 7,122 |
| Average earning assets | $23,879,750 | 7,116 |
| Average equity | $3,816,750 | 6,856 |
| Average total loans | $11,959,000 | 7,103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3968% | 5,706 |
| Cost of funding earning assets | 0.3790% | 7,174 |
| Net interest margin | 4.0177% | 2,759 |
| Noninterest income to average assets | 0.7978% | 2,028 |
| Noninterest expense to average assets | 4.2030% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2142% | 5,692 |
| Return on assets (ROA) | 0.2142% | 5,807 |
| Pretax return on assets | 0.1182% | 6,072 |
| Return on Equity (ROE) | 1.5289% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.5289% | 5,217 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2650% | 822 |
| Assets per employee ($millions) | 2.0856% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 3,131 |
| Loan loss allowance to noncurrent loans | 121.5116% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4384% | 4,055 |
| Noncurrent loans to loans | 1.4465% | 4,248 |
| Net loans and leases to total assets | 43.0863% | 6,515 |
| Net loans and leases to deposits | 50.3578% | 6,571 |
| Net loans and leases to core deposits | 50.9131% | 6,716 |
| Total domestic deposits to total assets | 85.5604% | 3,589 |
| Equity capital to assets | 14.1298% | 1,054 |
| Core capital (leverage) ratio | 14.2057% | 822 |
| Tier 1 risk-based capital ratio | 27.6599% | 686 |
| Total risk-based capital ratio | 28.9158% | 669 |
| Memoranda: | ||
| Average total assets | $27,076,000 | 7,186 |
| Average earning assets | $23,744,670 | 7,191 |
| Average equity | $3,793,670 | 6,903 |
| Average total loans | $11,984,670 | 7,170 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 5,707 |
| Cost of funding earning assets | 0.3845% | 7,254 |
| Net interest margin | 4.0121% | 2,635 |
| Noninterest income to average assets | 0.7687% | 2,163 |
| Noninterest expense to average assets | 4.1541% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2365% | 5,662 |
| Return on assets (ROA) | 0.2365% | 5,729 |
| Pretax return on assets | 0.1626% | 6,025 |
| Return on Equity (ROE) | 1.6954% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.6954% | 5,104 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2329% | 907 |
| Assets per employee ($millions) | 2.0437% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 3,082 |
| Loan loss allowance to noncurrent loans | 142.7586% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 4,241 |
| Noncurrent loans to loans | 1.2443% | 4,611 |
| Net loans and leases to total assets | 43.0819% | 6,539 |
| Net loans and leases to deposits | 50.3497% | 6,599 |
| Net loans and leases to core deposits | 50.9164% | 6,735 |
| Total domestic deposits to total assets | 85.5653% | 3,747 |
| Equity capital to assets | 14.1825% | 951 |
| Core capital (leverage) ratio | 14.2034% | 807 |
| Tier 1 risk-based capital ratio | 28.3624% | 611 |
| Total risk-based capital ratio | 29.5061% | 606 |
| Memoranda: | ||
| Average total assets | $27,057,500 | 7,235 |
| Average earning assets | $23,927,500 | 7,230 |
| Average equity | $3,775,000 | 6,942 |
| Average total loans | $12,031,500 | 7,225 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9901% | 4,611 |
| Cost of funding earning assets | 0.5722% | 7,175 |
| Net interest margin | 4.4179% | 1,421 |
| Noninterest income to average assets | 0.8772% | 1,938 |
| Noninterest expense to average assets | 4.3119% | 799 |
| Loan and lease loss provision to assets | 0.1598% | 5,610 |
| Net operating income to assets | 0.2416% | 5,130 |
| Return on assets (ROA) | 0.2416% | 5,283 |
| Pretax return on assets | 0.3085% | 5,208 |
| Return on Equity (ROE) | 1.6333% | 5,515 |
| Retained earnings to average equity (ytd only) | -4.6487% | 6,263 |
| Net charge-offs to loans | 0.3268% | 4,377 |
| Credit loss provision to net charge-offs | 97.7273% | 4,747 |
| Earnings coverage of net charge-offs (x) | 2.8636% | 3,642 |
| Efficiency ratio | 90.2022% | 1,308 |
| Assets per employee ($millions) | 2.1190% | 7,356 |
| Cash dividends to net income (ytd only)* | 384.6154% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,303 |
| Loan loss allowance to noncurrent loans | 137.7483% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 4,339 |
| Noncurrent loans to loans | 1.2168% | 4,695 |
| Net loans and leases to total assets | 44.2952% | 6,688 |
| Net loans and leases to deposits | 51.5418% | 6,776 |
| Net loans and leases to core deposits | 52.0963% | 6,907 |
| Total domestic deposits to total assets | 85.9404% | 3,389 |
| Equity capital to assets | 13.7293% | 1,120 |
| Core capital (leverage) ratio | 13.7684% | 907 |
| Tier 1 risk-based capital ratio | 27.1087% | 666 |
| Total risk-based capital ratio | 28.3636% | 658 |
| Memoranda: | ||
| Average total assets | $26,902,400 | 7,295 |
| Average earning assets | $23,767,000 | 7,295 |
| Average equity | $3,979,600 | 7,013 |
| Average total loans | $13,464,400 | 7,231 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 4,159 |
| Cost of funding earning assets | 0.5985% | 7,296 |
| Net interest margin | 4.5342% | 1,181 |
| Noninterest income to average assets | 0.9074% | 1,770 |
| Noninterest expense to average assets | 4.3228% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4188% | 4,664 |
| Return on assets (ROA) | 0.4188% | 4,842 |
| Pretax return on assets | 0.5883% | 4,636 |
| Return on Equity (ROE) | 2.7798% | 5,317 |
| Retained earnings to average equity (ytd only) | 2.7798% | 4,487 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0203% | 1,447 |
| Assets per employee ($millions) | 2.0965% | 7,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,624 |
| Loan loss allowance to noncurrent loans | 57.4586% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.6621% | 3,950 |
| Noncurrent loans to loans | 2.7460% | 2,894 |
| Net loans and leases to total assets | 47.6059% | 6,554 |
| Net loans and leases to deposits | 56.2272% | 6,602 |
| Net loans and leases to core deposits | 56.8456% | 6,798 |
| Total domestic deposits to total assets | 84.6670% | 3,789 |
| Equity capital to assets | 14.9917% | 896 |
| Core capital (leverage) ratio | 15.3460% | 655 |
| Tier 1 risk-based capital ratio | 28.0198% | 626 |
| Total risk-based capital ratio | 29.2725% | 607 |
| Memoranda: | ||
| Average total assets | $26,741,250 | 7,392 |
| Average earning assets | $23,612,500 | 7,391 |
| Average equity | $4,029,000 | 7,078 |
| Average total loans | $13,728,000 | 7,313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 3,418 |
| Cost of funding earning assets | 0.6263% | 7,349 |
| Net interest margin | 4.6844% | 836 |
| Noninterest income to average assets | 0.8957% | 1,704 |
| Noninterest expense to average assets | 4.4260% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4215% | 4,654 |
| Return on assets (ROA) | 0.4215% | 4,810 |
| Pretax return on assets | 0.5796% | 4,632 |
| Return on Equity (ROE) | 2.7930% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.7930% | 4,355 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4211% | 1,468 |
| Assets per employee ($millions) | 2.0345% | 7,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,712 |
| Loan loss allowance to noncurrent loans | 88.5593% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 4,675 |
| Noncurrent loans to loans | 1.7389% | 4,075 |
| Net loans and leases to total assets | 50.5256% | 6,373 |
| Net loans and leases to deposits | 59.9211% | 6,418 |
| Net loans and leases to core deposits | 60.6032% | 6,668 |
| Total domestic deposits to total assets | 84.3202% | 3,946 |
| Equity capital to assets | 15.3168% | 819 |
| Core capital (leverage) ratio | 15.4175% | 647 |
| Tier 1 risk-based capital ratio | 27.8932% | 637 |
| Total risk-based capital ratio | 29.1422% | 624 |
| Memoranda: | ||
| Average total assets | $26,570,000 | 7,453 |
| Average earning assets | $23,311,330 | 7,463 |
| Average equity | $4,010,000 | 7,121 |
| Average total loans | $13,909,670 | 7,359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 4,345 |
| Cost of funding earning assets | 0.6425% | 7,462 |
| Net interest margin | 4.4978% | 1,147 |
| Noninterest income to average assets | 0.8561% | 1,789 |
| Noninterest expense to average assets | 4.3258% | 702 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5407% | 4,180 |
| Return on assets (ROA) | 0.5407% | 4,318 |
| Pretax return on assets | 0.6308% | 4,486 |
| Return on Equity (ROE) | 3.6095% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.6095% | 3,990 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2727% | 1,659 |
| Assets per employee ($millions) | 1.8899% | 7,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 3,943 |
| Loan loss allowance to noncurrent loans | 48.2599% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 4,046 |
| Noncurrent loans to loans | 3.0927% | 2,589 |
| Net loans and leases to total assets | 51.8840% | 6,285 |
| Net loans and leases to deposits | 61.3213% | 6,339 |
| Net loans and leases to core deposits | 61.3213% | 6,653 |
| Total domestic deposits to total assets | 84.6102% | 3,853 |
| Equity capital to assets | 15.1517% | 844 |
| Core capital (leverage) ratio | 15.1840% | 714 |
| Tier 1 risk-based capital ratio | 27.5284% | 670 |
| Total risk-based capital ratio | 28.7806% | 659 |
| Memoranda: | ||
| Average total assets | $26,631,000 | 7,540 |
| Average earning assets | $24,278,500 | 7,526 |
| Average equity | $3,989,500 | 7,195 |
| Average total loans | $14,078,500 | 7,446 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7162% | 3,021 |
| Cost of funding earning assets | 0.7947% | 7,561 |
| Net interest margin | 4.9214% | 533 |
| Noninterest income to average assets | 1.0557% | 1,387 |
| Noninterest expense to average assets | 4.6451% | 686 |
| Loan and lease loss provision to assets | 1.0173% | 2,243 |
| Net operating income to assets | -0.0306% | 5,549 |
| Return on assets (ROA) | 0.0038% | 5,526 |
| Pretax return on assets | 0.0115% | 5,412 |
| Return on Equity (ROE) | 0.0247% | 5,534 |
| Retained earnings to average equity (ytd only) | 0.0247% | 4,899 |
| Net charge-offs to loans | 2.3489% | 983 |
| Credit loss provision to net charge-offs | 82.2981% | 6,238 |
| Earnings coverage of net charge-offs (x) | 0.7888% | 5,320 |
| Efficiency ratio | 82.6503% | 2,532 |
| Assets per employee ($millions) | 1.9145% | 7,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 3,916 |
| Loan loss allowance to noncurrent loans | 40.4669% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 1.9177% | 3,505 |
| Noncurrent loans to loans | 3.6144% | 2,084 |
| Net loans and leases to total assets | 52.2815% | 6,390 |
| Net loans and leases to deposits | 61.5361% | 6,512 |
| Net loans and leases to core deposits | 70.8264% | 6,721 |
| Total domestic deposits to total assets | 84.9606% | 3,566 |
| Equity capital to assets | 14.8118% | 949 |
| Core capital (leverage) ratio | 15.2566% | 730 |
| Tier 1 risk-based capital ratio | 26.9265% | 707 |
| Total risk-based capital ratio | 28.1759% | 692 |
| Memoranda: | ||
| Average total assets | $26,048,800 | 7,607 |
| Average earning assets | $24,159,600 | 7,576 |
| Average equity | $4,050,400 | 7,270 |
| Average total loans | $13,708,800 | 7,515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8975% | 2,462 |
| Cost of funding earning assets | 0.8227% | 7,665 |
| Net interest margin | 5.0748% | 389 |
| Noninterest income to average assets | 1.0415% | 1,465 |
| Noninterest expense to average assets | 4.7279% | 601 |
| Loan and lease loss provision to assets | 0.9023% | 2,132 |
| Net operating income to assets | 0.0992% | 5,464 |
| Return on assets (ROA) | 0.1598% | 5,342 |
| Pretax return on assets | 0.1908% | 5,322 |
| Return on Equity (ROE) | 1.0154% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.0154% | 4,745 |
| Net charge-offs to loans | 2.2384% | 856 |
| Credit loss provision to net charge-offs | 76.7544% | 5,841 |
| Earnings coverage of net charge-offs (x) | 0.8684% | 5,189 |
| Efficiency ratio | 82.2422% | 2,551 |
| Assets per employee ($millions) | 1.8379% | 7,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 3,119 |
| Loan loss allowance to noncurrent loans | 235.5556% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 5,395 |
| Noncurrent loans to loans | 0.6667% | 5,968 |
| Net loans and leases to total assets | 51.6440% | 6,636 |
| Net loans and leases to deposits | 61.4844% | 6,721 |
| Net loans and leases to core deposits | 70.5757% | 6,933 |
| Total domestic deposits to total assets | 83.9953% | 3,724 |
| Equity capital to assets | 15.6860% | 853 |
| Core capital (leverage) ratio | 15.5637% | 748 |
| Tier 1 risk-based capital ratio | 27.9891% | 685 |
| Total risk-based capital ratio | 29.2433% | 671 |
| Memoranda: | ||
| Average total assets | $25,860,250 | 7,685 |
| Average earning assets | $23,987,000 | 7,655 |
| Average equity | $4,070,500 | 7,330 |
| Average total loans | $13,580,750 | 7,596 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0069% | 2,155 |
| Cost of funding earning assets | 0.9081% | 7,685 |
| Net interest margin | 5.0988% | 356 |
| Noninterest income to average assets | 1.0423% | 1,455 |
| Noninterest expense to average assets | 4.6325% | 673 |
| Loan and lease loss provision to assets | 1.0423% | 1,629 |
| Net operating income to assets | 0.0644% | 5,663 |
| Return on assets (ROA) | 0.1390% | 5,547 |
| Pretax return on assets | 0.2007% | 5,465 |
| Return on Equity (ROE) | 0.8819% | 5,665 |
| Retained earnings to average equity (ytd only) | 0.8819% | 4,827 |
| Net charge-offs to loans | 3.3951% | 466 |
| Credit loss provision to net charge-offs | 58.4416% | 5,619 |
| Earnings coverage of net charge-offs (x) | 0.6364% | 5,062 |
| Efficiency ratio | 80.3213% | 2,990 |
| Assets per employee ($millions) | 1.8313% | 7,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,511 |
| Loan loss allowance to noncurrent loans | 147.8261% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.9790% | 5,015 |
| Noncurrent loans to loans | 0.8551% | 5,510 |
| Net loans and leases to total assets | 51.7942% | 6,712 |
| Net loans and leases to deposits | 61.8289% | 6,740 |
| Net loans and leases to core deposits | 70.2147% | 7,007 |
| Total domestic deposits to total assets | 83.7702% | 3,885 |
| Equity capital to assets | 15.8164% | 860 |
| Core capital (leverage) ratio | 15.5960% | 807 |
| Tier 1 risk-based capital ratio | 27.3727% | 753 |
| Total risk-based capital ratio | 28.5343% | 742 |
| Memoranda: | ||
| Average total assets | $25,903,670 | 7,758 |
| Average earning assets | $24,005,670 | 7,721 |
| Average equity | $4,082,000 | 7,382 |
| Average total loans | $13,607,670 | 7,672 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0733% | 2,053 |
| Cost of funding earning assets | 0.9433% | 7,756 |
| Net interest margin | 5.1300% | 315 |
| Noninterest income to average assets | 0.9679% | 1,578 |
| Noninterest expense to average assets | 4.6396% | 632 |
| Loan and lease loss provision to assets | 2.0740% | 575 |
| Net operating income to assets | -0.6489% | 7,006 |
| Return on assets (ROA) | -0.5070% | 6,934 |
| Pretax return on assets | -0.7682% | 7,013 |
| Return on Equity (ROE) | -3.2230% | 6,800 |
| Retained earnings to average equity (ytd only) | -3.2230% | 6,316 |
| Net charge-offs to loans | 5.1436% | 208 |
| Credit loss provision to net charge-offs | 76.7045% | 4,247 |
| Earnings coverage of net charge-offs (x) | 0.4034% | 4,663 |
| Efficiency ratio | 80.9651% | 2,677 |
| Assets per employee ($millions) | 1.8223% | 8,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 2,312 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,842 |
| Noncurrent loans to loans | 0.0220% | 7,490 |
| Net loans and leases to total assets | 52.5321% | 6,627 |
| Net loans and leases to deposits | 62.7434% | 6,670 |
| Net loans and leases to core deposits | 71.2683% | 6,945 |
| Total domestic deposits to total assets | 83.7253% | 3,831 |
| Equity capital to assets | 15.8906% | 892 |
| Core capital (leverage) ratio | 15.3843% | 887 |
| Tier 1 risk-based capital ratio | 26.6267% | 839 |
| Total risk-based capital ratio | 27.8796% | 828 |
| Memoranda: | ||
| Average total assets | $26,036,500 | 7,798 |
| Average earning assets | $24,171,500 | 7,759 |
| Average equity | $4,095,500 | 7,419 |
| Average total loans | $13,687,000 | 7,713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5182% | 2,873 |
| Cost of funding earning assets | 1.5302% | 7,558 |
| Net interest margin | 4.9880% | 523 |
| Noninterest income to average assets | 1.0305% | 1,482 |
| Noninterest expense to average assets | 4.3073% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9292% | 2,878 |
| Return on assets (ROA) | 0.9292% | 2,735 |
| Pretax return on assets | 1.3694% | 2,058 |
| Return on Equity (ROE) | 6.6952% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.1918% | 1,443 |
| Net charge-offs to loans | 0.0456% | 6,137 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 616 |
| Efficiency ratio | 75.8769% | 3,250 |
| Assets per employee ($millions) | 1.8972% | 7,990 |
| Cash dividends to net income (ytd only)* | 7.5188% | 4,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 1,351 |
| Loan loss allowance to noncurrent loans | 76.6571% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.1385% | 2,297 |
| Noncurrent loans to loans | 2.5242% | 2,154 |
| Net loans and leases to total assets | 50.7549% | 6,962 |
| Net loans and leases to deposits | 62.0016% | 6,944 |
| Net loans and leases to core deposits | 70.5996% | 7,155 |
| Total domestic deposits to total assets | 81.8606% | 4,257 |
| Equity capital to assets | 15.5755% | 1,032 |
| Core capital (leverage) ratio | 14.4180% | 1,158 |
| Tier 1 risk-based capital ratio | 26.1477% | 891 |
| Total risk-based capital ratio | 27.4069% | 869 |
| Memoranda: | ||
| Average total assets | $28,625,600 | 7,698 |
| Average earning assets | $26,663,800 | 7,670 |
| Average equity | $3,973,000 | 7,521 |
| Average total loans | $13,156,200 | 7,761 |