Home > Bank of Mingo > Performance and Condition Ratios
Bank of Mingo, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9275% | 698 |
| Cost of funding earning assets | 1.4905% | 1,968 |
| Net interest margin | 4.4370% | 671 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.3422% | 706 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.0775% | 1,980 |
| Return on assets (ROA) | 1.0775% | 1,955 |
| Pretax return on assets | 1.3820% | 1,676 |
| Return on Equity (ROE) | 8.6100% | 2,861 |
| Retained earnings to average equity (ytd only) | 5.9305% | 2,274 |
| Net charge-offs to loans | 0.2137% | 508 |
| Credit loss provision to net charge-offs | 135.4167% | 1,554 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,299 |
| Efficiency ratio | 67.3992% | 2,180 |
| Assets per employee ($millions) | 3.9761% | 4,168 |
| Cash dividends to net income (ytd only)* | 31.1453% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,023 |
| Loan loss allowance to noncurrent loans | 228.0000% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 1,006 |
| Noncurrent loans to loans | 0.6617% | 1,187 |
| Net loans and leases to total assets | 80.2100% | 622 |
| Net loans and leases to deposits | 95.7548% | 809 |
| Net loans and leases to core deposits | 120.3015% | 615 |
| Total domestic deposits to total assets | 83.7700% | 2,684 |
| Equity capital to assets | 12.7699% | 914 |
| Core capital (leverage) ratio | 12.9323% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4707% | 734 |
| Memoranda: | ||
| Average total assets | $138,562,800 | 3,475 |
| Average earning assets | $129,818,200 | 3,447 |
| Average equity | $17,334,000 | 3,067 |
| Average total loans | $112,326,800 | 3,026 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8841% | 619 |
| Cost of funding earning assets | 1.4110% | 1,841 |
| Net interest margin | 4.4731% | 643 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 3.1307% | 895 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.2985% | 1,553 |
| Return on assets (ROA) | 1.2985% | 1,533 |
| Pretax return on assets | 1.2985% | 2,046 |
| Return on Equity (ROE) | 10.4300% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.7778% | 1,746 |
| Net charge-offs to loans | 0.2605% | 344 |
| Credit loss provision to net charge-offs | 111.8721% | 1,538 |
| Earnings coverage of net charge-offs (x) | 7.2740% | 2,244 |
| Efficiency ratio | 67.1072% | 2,129 |
| Assets per employee ($millions) | 4.1063% | 4,118 |
| Cash dividends to net income (ytd only)* | 15.8754% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,233 |
| Loan loss allowance to noncurrent loans | 132.1857% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 589 |
| Noncurrent loans to loans | 1.1021% | 712 |
| Net loans and leases to total assets | 79.9900% | 647 |
| Net loans and leases to deposits | 95.9434% | 758 |
| Net loans and leases to core deposits | 121.1792% | 522 |
| Total domestic deposits to total assets | 83.3700% | 2,940 |
| Equity capital to assets | 12.7159% | 870 |
| Core capital (leverage) ratio | 13.0305% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6575% | 736 |
| Memoranda: | ||
| Average total assets | $138,412,750 | 3,481 |
| Average earning assets | $129,453,000 | 3,459 |
| Average equity | $17,224,750 | 3,065 |
| Average total loans | $112,073,750 | 3,037 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 570 |
| Cost of funding earning assets | 1.3407% | 1,609 |
| Net interest margin | 4.4373% | 670 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.1200% | 882 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.2593% | 1,666 |
| Return on assets (ROA) | 1.2593% | 1,658 |
| Pretax return on assets | 1.2593% | 2,192 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.9391% | 1,701 |
| Net charge-offs to loans | 0.3529% | 242 |
| Credit loss provision to net charge-offs | 91.3706% | 1,499 |
| Earnings coverage of net charge-offs (x) | 5.3249% | 2,174 |
| Efficiency ratio | 67.2392% | 2,074 |
| Assets per employee ($millions) | 4.0874% | 4,149 |
| Cash dividends to net income (ytd only)* | 12.3130% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,406 |
| Loan loss allowance to noncurrent loans | 217.0040% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 1,022 |
| Noncurrent loans to loans | 0.6614% | 1,126 |
| Net loans and leases to total assets | 79.4600% | 684 |
| Net loans and leases to deposits | 95.6094% | 756 |
| Net loans and leases to core deposits | 120.4144% | 502 |
| Total domestic deposits to total assets | 83.1100% | 3,020 |
| Equity capital to assets | 12.4974% | 926 |
| Core capital (leverage) ratio | 12.8762% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4531% | 765 |
| Memoranda: | ||
| Average total assets | $138,012,667 | 3,494 |
| Average earning assets | $129,041,333 | 3,473 |
| Average equity | $17,048,667 | 3,102 |
| Average total loans | $111,654,667 | 3,040 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8076% | 412 |
| Cost of funding earning assets | 1.2467% | 1,349 |
| Net interest margin | 4.5609% | 534 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 3.1789% | 828 |
| Loan and lease loss provision to assets | 0.3800% | 213 |
| Net operating income to assets | 1.2361% | 1,833 |
| Return on assets (ROA) | 1.2361% | 1,804 |
| Pretax return on assets | 1.2361% | 2,340 |
| Return on Equity (ROE) | 10.0700% | 2,767 |
| Retained earnings to average equity (ytd only) | 7.5315% | 2,356 |
| Net charge-offs to loans | 0.6890% | 114 |
| Credit loss provision to net charge-offs | 67.7083% | 1,250 |
| Earnings coverage of net charge-offs (x) | 2.8906% | 1,912 |
| Efficiency ratio | 66.3228% | 2,175 |
| Assets per employee ($millions) | 4.0488% | 4,229 |
| Cash dividends to net income (ytd only)* | 25.1765% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,551 |
| Loan loss allowance to noncurrent loans | 222.9672% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 1,019 |
| Noncurrent loans to loans | 0.6363% | 1,180 |
| Net loans and leases to total assets | 78.9000% | 660 |
| Net loans and leases to deposits | 95.3061% | 696 |
| Net loans and leases to core deposits | 120.8221% | 414 |
| Total domestic deposits to total assets | 82.7800% | 3,338 |
| Equity capital to assets | 12.2788% | 924 |
| Core capital (leverage) ratio | 12.7140% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0764% | 836 |
| Memoranda: | ||
| Average total assets | $137,532,500 | 3,536 |
| Average earning assets | $128,659,000 | 3,521 |
| Average equity | $16,889,000 | 3,140 |
| Average total loans | $111,465,000 | 3,084 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4473% | 161 |
| Cost of funding earning assets | 0.7512% | 471 |
| Net interest margin | 4.6961% | 205 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 3.3844% | 557 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 2.8864% | 115 |
| Return on assets (ROA) | 2.8864% | 112 |
| Pretax return on assets | 1.2915% | 2,118 |
| Return on Equity (ROE) | 25.9600% | 178 |
| Retained earnings to average equity (ytd only) | 23.5379% | 57 |
| Net charge-offs to loans | 0.1271% | 612 |
| Credit loss provision to net charge-offs | 193.1818% | 1,149 |
| Earnings coverage of net charge-offs (x) | 14.4470% | 2,029 |
| Efficiency ratio | 69.4195% | 1,766 |
| Assets per employee ($millions) | 3.9259% | 4,310 |
| Cash dividends to net income (ytd only)* | 9.3445% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,121 |
| Loan loss allowance to noncurrent loans | 232.1569% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 1,379 |
| Noncurrent loans to loans | 0.4523% | 1,579 |
| Net loans and leases to total assets | 81.2000% | 480 |
| Net loans and leases to deposits | 98.7136% | 491 |
| Net loans and leases to core deposits | 125.0768% | 288 |
| Total domestic deposits to total assets | 82.2600% | 3,575 |
| Equity capital to assets | 12.2812% | 857 |
| Core capital (leverage) ratio | 13.3088% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5876% | 885 |
| Memoranda: | ||
| Average total assets | $127,910,000 | 3,652 |
| Average earning assets | $119,270,400 | 3,633 |
| Average equity | $14,219,600 | 3,440 |
| Average total loans | $103,838,600 | 3,096 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 120 |
| Cost of funding earning assets | 0.6885% | 284 |
| Net interest margin | 4.7509% | 157 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 3.3031% | 594 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.3881% | 1,121 |
| Return on assets (ROA) | 1.3881% | 1,092 |
| Pretax return on assets | 1.3881% | 1,749 |
| Return on Equity (ROE) | 12.8600% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.8684% | 1,090 |
| Net charge-offs to loans | 0.1496% | 440 |
| Credit loss provision to net charge-offs | 188.5965% | 1,006 |
| Earnings coverage of net charge-offs (x) | 13.3509% | 1,889 |
| Efficiency ratio | 67.1416% | 2,141 |
| Assets per employee ($millions) | 3.6611% | 4,444 |
| Cash dividends to net income (ytd only)* | 15.4552% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,112 |
| Loan loss allowance to noncurrent loans | 452.1401% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 2,264 |
| Noncurrent loans to loans | 0.2385% | 2,433 |
| Net loans and leases to total assets | 83.1900% | 308 |
| Net loans and leases to deposits | 99.5545% | 378 |
| Net loans and leases to core deposits | 125.7269% | 182 |
| Total domestic deposits to total assets | 83.5600% | 3,593 |
| Equity capital to assets | 11.3790% | 1,045 |
| Core capital (leverage) ratio | 11.7239% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5089% | 1,085 |
| Memoranda: | ||
| Average total assets | $125,536,250 | 3,706 |
| Average earning assets | $116,972,500 | 3,684 |
| Average equity | $13,555,750 | 3,557 |
| Average total loans | $101,608,250 | 3,133 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2933% | 119 |
| Cost of funding earning assets | 0.6941% | 163 |
| Net interest margin | 4.5992% | 167 |
| Noninterest income to average assets | 0.4909% | 2,254 |
| Noninterest expense to average assets | 3.3705% | 497 |
| Loan and lease loss provision to assets | 0.2487% | 292 |
| Net operating income to assets | 1.1342% | 1,651 |
| Return on assets (ROA) | 1.1342% | 1,628 |
| Pretax return on assets | 1.1342% | 2,290 |
| Return on Equity (ROE) | 10.7008% | 2,091 |
| Retained earnings to average equity (ytd only) | 8.7180% | 1,369 |
| Net charge-offs to loans | 0.2431% | 265 |
| Credit loss provision to net charge-offs | 128.0992% | 1,164 |
| Earnings coverage of net charge-offs (x) | 7.1240% | 1,866 |
| Efficiency ratio | 70.9079% | 1,839 |
| Assets per employee ($millions) | 3.6850% | 4,498 |
| Cash dividends to net income (ytd only)* | 18.5290% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,234 |
| Loan loss allowance to noncurrent loans | 467.9487% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,420 |
| Noncurrent loans to loans | 0.2308% | 2,565 |
| Net loans and leases to total assets | 80.0335% | 403 |
| Net loans and leases to deposits | 94.8038% | 484 |
| Net loans and leases to core deposits | 120.7771% | 191 |
| Total domestic deposits to total assets | 84.4201% | 3,604 |
| Equity capital to assets | 11.2954% | 1,104 |
| Core capital (leverage) ratio | 11.5308% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7222% | 1,033 |
| Memoranda: | ||
| Average total assets | $124,668,333 | 3,759 |
| Average earning assets | $115,543,000 | 3,754 |
| Average equity | $13,214,000 | 3,665 |
| Average total loans | $99,558,667 | 3,196 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 101 |
| Cost of funding earning assets | 0.7046% | 146 |
| Net interest margin | 4.7033% | 135 |
| Noninterest income to average assets | 0.4889% | 2,201 |
| Noninterest expense to average assets | 3.4320% | 452 |
| Loan and lease loss provision to assets | 0.3056% | 202 |
| Net operating income to assets | 1.0454% | 1,705 |
| Return on assets (ROA) | 1.0454% | 1,701 |
| Pretax return on assets | 1.0454% | 2,308 |
| Return on Equity (ROE) | 10.2001% | 1,885 |
| Retained earnings to average equity (ytd only) | 6.0887% | 2,222 |
| Net charge-offs to loans | 0.4582% | 150 |
| Credit loss provision to net charge-offs | 84.0708% | 1,102 |
| Earnings coverage of net charge-offs (x) | 3.7168% | 1,654 |
| Efficiency ratio | 71.7552% | 2,008 |
| Assets per employee ($millions) | 3.2003% | 4,627 |
| Cash dividends to net income (ytd only)* | 40.3077% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,365 |
| Loan loss allowance to noncurrent loans | 179.8276% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 1,297 |
| Noncurrent loans to loans | 0.6062% | 1,544 |
| Net loans and leases to total assets | 75.8268% | 518 |
| Net loans and leases to deposits | 88.9625% | 562 |
| Net loans and leases to core deposits | 113.1433% | 204 |
| Total domestic deposits to total assets | 85.2346% | 3,488 |
| Equity capital to assets | 10.2049% | 1,756 |
| Core capital (leverage) ratio | 10.5249% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8358% | 1,302 |
| Memoranda: | ||
| Average total assets | $124,357,500 | 3,778 |
| Average earning assets | $113,538,000 | 3,788 |
| Average equity | $12,745,000 | 3,787 |
| Average total loans | $98,653,500 | 3,206 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 200 |
| Cost of funding earning assets | 0.7372% | 273 |
| Net interest margin | 4.4288% | 309 |
| Noninterest income to average assets | 0.5022% | 2,558 |
| Noninterest expense to average assets | 3.4002% | 547 |
| Loan and lease loss provision to assets | 0.2325% | 427 |
| Net operating income to assets | 0.9031% | 3,032 |
| Return on assets (ROA) | 0.9031% | 3,098 |
| Pretax return on assets | 0.9031% | 3,511 |
| Return on Equity (ROE) | 9.5876% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.4956% | 1,342 |
| Net charge-offs to loans | 0.3717% | 226 |
| Credit loss provision to net charge-offs | 78.4153% | 1,965 |
| Earnings coverage of net charge-offs (x) | 3.8306% | 2,521 |
| Efficiency ratio | 74.9643% | 1,213 |
| Assets per employee ($millions) | 3.2606% | 4,642 |
| Cash dividends to net income (ytd only)* | 11.3901% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,594 |
| Loan loss allowance to noncurrent loans | 195.7565% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 1,493 |
| Noncurrent loans to loans | 0.5333% | 1,796 |
| Net loans and leases to total assets | 81.1619% | 217 |
| Net loans and leases to deposits | 95.7943% | 323 |
| Net loans and leases to core deposits | 121.8978% | 154 |
| Total domestic deposits to total assets | 84.7251% | 3,352 |
| Equity capital to assets | 10.2927% | 2,380 |
| Core capital (leverage) ratio | 10.3298% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1782% | 1,788 |
| Memoranda: | ||
| Average total assets | $123,462,800 | 3,767 |
| Average earning assets | $112,445,800 | 3,784 |
| Average equity | $11,629,600 | 3,969 |
| Average total loans | $98,476,200 | 3,218 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 350 |
| Cost of funding earning assets | 0.7433% | 317 |
| Net interest margin | 4.1603% | 587 |
| Noninterest income to average assets | 0.4723% | 2,743 |
| Noninterest expense to average assets | 3.3897% | 542 |
| Loan and lease loss provision to assets | 0.0324% | 2,346 |
| Net operating income to assets | 0.8496% | 3,388 |
| Return on assets (ROA) | 0.8496% | 3,447 |
| Pretax return on assets | 0.8496% | 3,800 |
| Return on Equity (ROE) | 9.2343% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.5059% | 1,875 |
| Net charge-offs to loans | 0.0232% | 1,575 |
| Credit loss provision to net charge-offs | 176.4706% | 1,266 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,266 |
| Efficiency ratio | 79.3522% | 789 |
| Assets per employee ($millions) | 3.3390% | 4,687 |
| Cash dividends to net income (ytd only)* | 7.8880% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,579 |
| Loan loss allowance to noncurrent loans | 116.1017% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 882 |
| Noncurrent loans to loans | 0.9207% | 1,250 |
| Net loans and leases to total assets | 82.1049% | 181 |
| Net loans and leases to deposits | 96.8926% | 317 |
| Net loans and leases to core deposits | 123.9206% | 150 |
| Total domestic deposits to total assets | 84.7380% | 3,202 |
| Equity capital to assets | 9.9982% | 2,899 |
| Core capital (leverage) ratio | 9.9362% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6883% | 2,092 |
| Memoranda: | ||
| Average total assets | $123,352,750 | 3,806 |
| Average earning assets | $112,650,250 | 3,823 |
| Average equity | $11,348,750 | 4,051 |
| Average total loans | $97,689,500 | 3,276 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 350 |
| Cost of funding earning assets | 0.7562% | 359 |
| Net interest margin | 4.2284% | 556 |
| Noninterest income to average assets | 0.4721% | 2,745 |
| Noninterest expense to average assets | 3.4245% | 516 |
| Loan and lease loss provision to assets | 0.0487% | 2,052 |
| Net operating income to assets | 0.8176% | 3,452 |
| Return on assets (ROA) | 0.8176% | 3,524 |
| Pretax return on assets | 0.8176% | 3,827 |
| Return on Equity (ROE) | 9.1517% | 3,050 |
| Retained earnings to average equity (ytd only) | 9.1517% | 1,666 |
| Net charge-offs to loans | 0.0375% | 1,257 |
| Credit loss provision to net charge-offs | 166.6667% | 1,123 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,314 |
| Efficiency ratio | 79.8110% | 798 |
| Assets per employee ($millions) | 3.1802% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 3,308 |
| Loan loss allowance to noncurrent loans | 151.0345% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 1,318 |
| Noncurrent loans to loans | 0.7458% | 1,603 |
| Net loans and leases to total assets | 77.4975% | 479 |
| Net loans and leases to deposits | 91.1312% | 585 |
| Net loans and leases to core deposits | 117.1016% | 252 |
| Total domestic deposits to total assets | 85.0394% | 3,079 |
| Equity capital to assets | 9.3755% | 3,442 |
| Core capital (leverage) ratio | 9.3019% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7699% | 2,069 |
| Memoranda: | ||
| Average total assets | $123,289,667 | 3,820 |
| Average earning assets | $111,343,000 | 3,852 |
| Average equity | $11,014,333 | 4,095 |
| Average total loans | $96,076,000 | 3,310 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 706 |
| Cost of funding earning assets | 0.7599% | 429 |
| Net interest margin | 3.8064% | 1,124 |
| Noninterest income to average assets | 0.5044% | 2,592 |
| Noninterest expense to average assets | 3.4917% | 470 |
| Loan and lease loss provision to assets | 0.0976% | 1,378 |
| Net operating income to assets | 0.3710% | 4,413 |
| Return on assets (ROA) | 0.3710% | 4,441 |
| Pretax return on assets | 0.3710% | 4,527 |
| Return on Equity (ROE) | 4.2587% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.2587% | 3,433 |
| Net charge-offs to loans | 0.0377% | 1,092 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,327 |
| Efficiency ratio | 88.1676% | 436 |
| Assets per employee ($millions) | 3.5413% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,208 |
| Loan loss allowance to noncurrent loans | 245.3333% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,161 |
| Noncurrent loans to loans | 0.4673% | 2,454 |
| Net loans and leases to total assets | 76.8115% | 556 |
| Net loans and leases to deposits | 90.2801% | 686 |
| Net loans and leases to core deposits | 116.0105% | 289 |
| Total domestic deposits to total assets | 85.0813% | 3,062 |
| Equity capital to assets | 9.0718% | 3,616 |
| Core capital (leverage) ratio | 9.2189% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6228% | 2,036 |
| Memoranda: | ||
| Average total assets | $122,921,500 | 3,831 |
| Average earning assets | $111,600,500 | 3,851 |
| Average equity | $10,707,500 | 4,146 |
| Average total loans | $95,508,000 | 3,331 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 917 |
| Cost of funding earning assets | 0.9125% | 823 |
| Net interest margin | 3.7735% | 1,579 |
| Noninterest income to average assets | 0.5912% | 2,246 |
| Noninterest expense to average assets | 3.8311% | 442 |
| Loan and lease loss provision to assets | 0.0877% | 3,264 |
| Net operating income to assets | 0.2054% | 4,567 |
| Return on assets (ROA) | 0.2084% | 4,623 |
| Pretax return on assets | 0.2084% | 4,644 |
| Return on Equity (ROE) | 2.2806% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.2806% | 3,713 |
| Net charge-offs to loans | 0.2001% | 861 |
| Credit loss provision to net charge-offs | 57.8947% | 3,097 |
| Earnings coverage of net charge-offs (x) | 1.9342% | 3,220 |
| Efficiency ratio | 92.8934% | 295 |
| Assets per employee ($millions) | 3.8291% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5712% | 4,738 |
| Loan loss allowance to noncurrent loans | 197.4453% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 2,438 |
| Noncurrent loans to loans | 0.2893% | 3,164 |
| Net loans and leases to total assets | 76.8522% | 708 |
| Net loans and leases to deposits | 90.4365% | 898 |
| Net loans and leases to core deposits | 116.9776% | 354 |
| Total domestic deposits to total assets | 84.9792% | 2,769 |
| Equity capital to assets | 8.8452% | 4,182 |
| Core capital (leverage) ratio | 9.6315% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1065% | 2,587 |
| Memoranda: | ||
| Average total assets | $100,311,600 | 3,991 |
| Average earning assets | $93,919,000 | 3,975 |
| Average equity | $9,164,200 | 4,290 |
| Average total loans | $75,971,800 | 3,624 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 959 |
| Cost of funding earning assets | 0.9647% | 864 |
| Net interest margin | 3.7898% | 1,647 |
| Noninterest income to average assets | 0.6036% | 2,164 |
| Noninterest expense to average assets | 3.9553% | 392 |
| Loan and lease loss provision to assets | 0.1235% | 2,789 |
| Net operating income to assets | 0.0788% | 4,720 |
| Return on assets (ROA) | 0.0830% | 4,743 |
| Pretax return on assets | 0.0830% | 4,737 |
| Return on Equity (ROE) | 0.8995% | 4,718 |
| Retained earnings to average equity (ytd only) | 0.8995% | 4,286 |
| Net charge-offs to loans | 0.1646% | 894 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 3,056 |
| Efficiency ratio | 95.1269% | 240 |
| Assets per employee ($millions) | 3.4292% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 4,531 |
| Loan loss allowance to noncurrent loans | 484.0000% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 2,860 |
| Noncurrent loans to loans | 0.1494% | 3,786 |
| Net loans and leases to total assets | 75.7058% | 1,137 |
| Net loans and leases to deposits | 89.6983% | 1,300 |
| Net loans and leases to core deposits | 107.0113% | 805 |
| Total domestic deposits to total assets | 84.4005% | 2,676 |
| Equity capital to assets | 8.4213% | 4,504 |
| Core capital (leverage) ratio | 9.6480% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0600% | 2,593 |
| Memoranda: | ||
| Average total assets | $94,757,000 | 4,058 |
| Average earning assets | $88,869,000 | 4,040 |
| Average equity | $8,745,750 | 4,360 |
| Average total loans | $71,287,750 | 3,720 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 646 |
| Cost of funding earning assets | 1.0415% | 864 |
| Net interest margin | 4.0922% | 1,129 |
| Noninterest income to average assets | 0.6662% | 1,873 |
| Noninterest expense to average assets | 4.3336% | 292 |
| Loan and lease loss provision to assets | 0.1961% | 2,081 |
| Net operating income to assets | -0.0379% | 4,804 |
| Return on assets (ROA) | -0.0379% | 4,810 |
| Pretax return on assets | -0.0379% | 4,805 |
| Return on Equity (ROE) | -0.3962% | 4,817 |
| Retained earnings to average equity (ytd only) | -0.3962% | 4,382 |
| Net charge-offs to loans | 0.1906% | 803 |
| Credit loss provision to net charge-offs | 137.5000% | 2,192 |
| Earnings coverage of net charge-offs (x) | 1.1094% | 2,881 |
| Efficiency ratio | 96.4782% | 233 |
| Assets per employee ($millions) | 2.8228% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 4,751 |
| Loan loss allowance to noncurrent loans | 253.7500% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 1,929 |
| Noncurrent loans to loans | 0.2327% | 3,543 |
| Net loans and leases to total assets | 73.3696% | 1,499 |
| Net loans and leases to deposits | 82.2811% | 2,175 |
| Net loans and leases to core deposits | 87.1105% | 2,341 |
| Total domestic deposits to total assets | 89.1694% | 678 |
| Equity capital to assets | 9.2761% | 3,856 |
| Core capital (leverage) ratio | 9.2386% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5234% | 1,992 |
| Memoranda: | ||
| Average total assets | $89,764,667 | 4,133 |
| Average earning assets | $83,915,667 | 4,112 |
| Average equity | $8,580,667 | 4,395 |
| Average total loans | $67,157,000 | 3,810 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 683 |
| Cost of funding earning assets | 1.0714% | 1,136 |
| Net interest margin | 4.1102% | 1,116 |
| Noninterest income to average assets | 0.7494% | 1,468 |
| Noninterest expense to average assets | 5.0959% | 214 |
| Loan and lease loss provision to assets | 0.1590% | 1,818 |
| Net operating income to assets | -0.6722% | 4,955 |
| Return on assets (ROA) | -0.6722% | 4,932 |
| Pretax return on assets | -0.6722% | 4,916 |
| Return on Equity (ROE) | -6.9236% | 4,963 |
| Retained earnings to average equity (ytd only) | -6.9236% | 4,643 |
| Net charge-offs to loans | 0.3255% | 446 |
| Credit loss provision to net charge-offs | 64.8148% | 1,996 |
| Earnings coverage of net charge-offs (x) | -2.0926% | 2,505 |
| Efficiency ratio | 111.1992% | 142 |
| Assets per employee ($millions) | 2.6721% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 4,831 |
| Loan loss allowance to noncurrent loans | 288.0952% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 1,990 |
| Noncurrent loans to loans | 0.1905% | 3,793 |
| Net loans and leases to total assets | 74.6051% | 1,518 |
| Net loans and leases to deposits | 84.0812% | 2,216 |
| Net loans and leases to core deposits | 89.3152% | 2,416 |
| Total domestic deposits to total assets | 88.7297% | 795 |
| Equity capital to assets | 9.6202% | 4,116 |
| Core capital (leverage) ratio | 9.5383% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0210% | 1,899 |
| Memoranda: | ||
| Average total assets | $88,070,500 | 4,156 |
| Average earning assets | $82,138,000 | 4,138 |
| Average equity | $8,550,500 | 4,419 |
| Average total loans | $66,359,500 | 3,832 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3162% | 794 |
| Cost of funding earning assets | 0.9703% | 1,857 |
| Net interest margin | 4.3459% | 991 |
| Noninterest income to average assets | 0.8888% | 1,195 |
| Noninterest expense to average assets | 4.6053% | 278 |
| Loan and lease loss provision to assets | 0.1541% | 1,368 |
| Net operating income to assets | 0.1529% | 4,884 |
| Return on assets (ROA) | 0.1541% | 4,908 |
| Pretax return on assets | 0.1541% | 4,915 |
| Return on Equity (ROE) | 1.5092% | 4,861 |
| Retained earnings to average equity (ytd only) | 0.0464% | 4,679 |
| Net charge-offs to loans | 0.6924% | 243 |
| Credit loss provision to net charge-offs | 30.3738% | 3,267 |
| Earnings coverage of net charge-offs (x) | 0.6051% | 3,604 |
| Efficiency ratio | 93.7515% | 251 |
| Assets per employee ($millions) | 2.3148% | 5,051 |
| Cash dividends to net income (ytd only)* | 96.9231% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5738% | 4,788 |
| Loan loss allowance to noncurrent loans | 124.0260% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 2,386 |
| Noncurrent loans to loans | 0.4627% | 2,789 |
| Net loans and leases to total assets | 75.2461% | 1,539 |
| Net loans and leases to deposits | 85.0472% | 2,200 |
| Net loans and leases to core deposits | 90.0848% | 2,417 |
| Total domestic deposits to total assets | 88.4757% | 898 |
| Equity capital to assets | 9.7974% | 4,101 |
| Core capital (leverage) ratio | 9.8749% | 3,648 |
| Tier 1 risk-based capital ratio | 14.3953% | 3,070 |
| Total risk-based capital ratio | 15.0396% | 3,276 |
| Memoranda: | ||
| Average total assets | $84,381,400 | 4,220 |
| Average earning assets | $78,120,400 | 4,215 |
| Average equity | $8,613,800 | 4,432 |
| Average total loans | $61,813,800 | 3,949 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 822 |
| Cost of funding earning assets | 0.9277% | 2,093 |
| Net interest margin | 4.3950% | 957 |
| Noninterest income to average assets | 0.8927% | 1,158 |
| Noninterest expense to average assets | 4.5627% | 284 |
| Loan and lease loss provision to assets | 0.0080% | 3,726 |
| Net operating income to assets | 0.3849% | 4,746 |
| Return on assets (ROA) | 0.3865% | 4,769 |
| Pretax return on assets | 0.3865% | 4,822 |
| Return on Equity (ROE) | 3.7463% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.7957% | 4,341 |
| Net charge-offs to loans | 0.8203% | 190 |
| Credit loss provision to net charge-offs | 1.3405% | 3,028 |
| Earnings coverage of net charge-offs (x) | 0.6595% | 3,352 |
| Efficiency ratio | 92.0722% | 269 |
| Assets per employee ($millions) | 2.2212% | 5,135 |
| Cash dividends to net income (ytd only)* | 52.0672% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4764% | 5,001 |
| Loan loss allowance to noncurrent loans | 110.6383% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 2,602 |
| Noncurrent loans to loans | 0.4306% | 3,014 |
| Net loans and leases to total assets | 77.2194% | 1,282 |
| Net loans and leases to deposits | 87.8313% | 1,952 |
| Net loans and leases to core deposits | 92.0410% | 2,365 |
| Total domestic deposits to total assets | 87.9178% | 1,067 |
| Equity capital to assets | 10.3406% | 3,682 |
| Core capital (leverage) ratio | 10.2326% | 3,383 |
| Tier 1 risk-based capital ratio | 14.9372% | 2,879 |
| Total risk-based capital ratio | 15.4771% | 3,113 |
| Memoranda: | ||
| Average total assets | $83,486,250 | 4,286 |
| Average earning assets | $77,176,250 | 4,281 |
| Average equity | $8,612,750 | 4,482 |
| Average total loans | $60,624,750 | 4,015 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 1,145 |
| Cost of funding earning assets | 0.8711% | 2,293 |
| Net interest margin | 4.2620% | 1,215 |
| Noninterest income to average assets | 0.8464% | 1,216 |
| Noninterest expense to average assets | 4.5876% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1996% | 4,999 |
| Return on assets (ROA) | 0.2020% | 5,003 |
| Pretax return on assets | 0.2020% | 5,020 |
| Return on Equity (ROE) | 1.9593% | 4,944 |
| Retained earnings to average equity (ytd only) | 0.0700% | 4,671 |
| Net charge-offs to loans | 0.5491% | 286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 0.5123% | 3,087 |
| Efficiency ratio | 95.8312% | 205 |
| Assets per employee ($millions) | 2.2058% | 5,185 |
| Cash dividends to net income (ytd only)* | 96.4286% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 4,308 |
| Loan loss allowance to noncurrent loans | 34.9057% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8993% | 512 |
| Noncurrent loans to loans | 2.4048% | 511 |
| Net loans and leases to total assets | 73.0035% | 2,058 |
| Net loans and leases to deposits | 83.7767% | 2,514 |
| Net loans and leases to core deposits | 88.1540% | 2,783 |
| Total domestic deposits to total assets | 87.1406% | 1,524 |
| Equity capital to assets | 10.2622% | 3,734 |
| Core capital (leverage) ratio | 10.1411% | 3,456 |
| Tier 1 risk-based capital ratio | 14.9901% | 2,850 |
| Total risk-based capital ratio | 15.9033% | 2,920 |
| Memoranda: | ||
| Average total assets | $83,180,000 | 4,324 |
| Average earning assets | $76,911,670 | 4,311 |
| Average equity | $8,574,330 | 4,504 |
| Average total loans | $59,003,330 | 4,072 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3936% | 639 |
| Cost of funding earning assets | 0.8101% | 2,479 |
| Net interest margin | 4.5836% | 632 |
| Noninterest income to average assets | 0.8110% | 1,270 |
| Noninterest expense to average assets | 4.6006% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4441% | 4,647 |
| Return on assets (ROA) | 0.4441% | 4,666 |
| Pretax return on assets | 0.4441% | 4,784 |
| Return on Equity (ROE) | 4.2988% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.2988% | 3,202 |
| Net charge-offs to loans | 0.6661% | 227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.9583% | 2,634 |
| Efficiency ratio | 91.1962% | 349 |
| Assets per employee ($millions) | 2.2724% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,616 |
| Loan loss allowance to noncurrent loans | 38.0952% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.9518% | 522 |
| Noncurrent loans to loans | 2.6556% | 471 |
| Net loans and leases to total assets | 67.9639% | 2,757 |
| Net loans and leases to deposits | 77.2879% | 3,134 |
| Net loans and leases to core deposits | 81.6139% | 3,214 |
| Total domestic deposits to total assets | 87.9361% | 1,373 |
| Equity capital to assets | 10.2739% | 3,551 |
| Core capital (leverage) ratio | 10.4525% | 3,103 |
| Tier 1 risk-based capital ratio | 15.6278% | 2,598 |
| Total risk-based capital ratio | 16.6919% | 2,590 |
| Memoranda: | ||
| Average total assets | $82,859,000 | 4,368 |
| Average earning assets | $76,534,500 | 4,362 |
| Average equity | $8,560,500 | 4,530 |
| Average total loans | $57,649,500 | 4,139 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 1,330 |
| Cost of funding earning assets | 0.5735% | 2,897 |
| Net interest margin | 4.3116% | 1,124 |
| Noninterest income to average assets | 0.8802% | 1,227 |
| Noninterest expense to average assets | 4.4292% | 316 |
| Loan and lease loss provision to assets | 0.0769% | 2,591 |
| Net operating income to assets | 0.3305% | 4,973 |
| Return on assets (ROA) | 0.3280% | 4,968 |
| Pretax return on assets | 0.3306% | 5,022 |
| Return on Equity (ROE) | 3.2294% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.5482% | 4,127 |
| Net charge-offs to loans | 0.3881% | 485 |
| Credit loss provision to net charge-offs | 32.0856% | 3,338 |
| Earnings coverage of net charge-offs (x) | 1.7112% | 3,601 |
| Efficiency ratio | 91.5277% | 292 |
| Assets per employee ($millions) | 2.1484% | 5,295 |
| Cash dividends to net income (ytd only)* | 21.0938% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,665 |
| Loan loss allowance to noncurrent loans | 131.0212% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 1,758 |
| Noncurrent loans to loans | 0.9015% | 1,778 |
| Net loans and leases to total assets | 69.6868% | 2,615 |
| Net loans and leases to deposits | 81.9607% | 2,736 |
| Net loans and leases to core deposits | 85.7119% | 2,937 |
| Total domestic deposits to total assets | 85.0247% | 2,641 |
| Equity capital to assets | 10.3906% | 3,294 |
| Core capital (leverage) ratio | 10.4885% | 3,041 |
| Tier 1 risk-based capital ratio | 15.7242% | 2,522 |
| Total risk-based capital ratio | 16.9736% | 2,446 |
| Memoranda: | ||
| Average total assets | $78,049,600 | 4,462 |
| Average earning assets | $71,666,600 | 4,463 |
| Average equity | $7,927,200 | 4,620 |
| Average total loans | $48,179,200 | 4,350 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 1,394 |
| Cost of funding earning assets | 0.5165% | 3,085 |
| Net interest margin | 4.2963% | 1,119 |
| Noninterest income to average assets | 0.8624% | 1,305 |
| Noninterest expense to average assets | 4.4241% | 316 |
| Loan and lease loss provision to assets | 0.0518% | 2,949 |
| Net operating income to assets | 0.3214% | 5,072 |
| Return on assets (ROA) | 0.3197% | 5,066 |
| Pretax return on assets | 0.3232% | 5,115 |
| Return on Equity (ROE) | 3.1671% | 4,983 |
| Retained earnings to average equity (ytd only) | 2.7048% | 4,340 |
| Net charge-offs to loans | 0.3084% | 538 |
| Credit loss provision to net charge-offs | 28.3019% | 2,973 |
| Earnings coverage of net charge-offs (x) | 2.0566% | 3,286 |
| Efficiency ratio | 92.1526% | 276 |
| Assets per employee ($millions) | 2.2598% | 5,344 |
| Cash dividends to net income (ytd only)* | 14.5950% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,198 |
| Loan loss allowance to noncurrent loans | 89.7683% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 1,804 |
| Noncurrent loans to loans | 1.0226% | 1,681 |
| Net loans and leases to total assets | 63.4574% | 3,491 |
| Net loans and leases to deposits | 71.5491% | 3,801 |
| Net loans and leases to core deposits | 74.4364% | 3,917 |
| Total domestic deposits to total assets | 88.6907% | 962 |
| Equity capital to assets | 10.6013% | 3,045 |
| Core capital (leverage) ratio | 10.6370% | 2,947 |
| Tier 1 risk-based capital ratio | 17.5365% | 1,911 |
| Total risk-based capital ratio | 18.5062% | 1,956 |
| Memoranda: | ||
| Average total assets | $77,151,750 | 4,528 |
| Average earning assets | $70,725,750 | 4,529 |
| Average equity | $7,788,250 | 4,686 |
| Average total loans | $45,830,750 | 4,458 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,800 |
| Cost of funding earning assets | 0.4761% | 3,184 |
| Net interest margin | 4.1170% | 1,501 |
| Noninterest income to average assets | 0.8784% | 1,243 |
| Noninterest expense to average assets | 4.5069% | 293 |
| Loan and lease loss provision to assets | 0.0261% | 3,393 |
| Net operating income to assets | 0.1149% | 5,283 |
| Return on assets (ROA) | 0.1124% | 5,275 |
| Pretax return on assets | 0.1176% | 5,286 |
| Return on Equity (ROE) | 1.1332% | 5,261 |
| Retained earnings to average equity (ytd only) | 0.8960% | 4,782 |
| Net charge-offs to loans | 0.2487% | 638 |
| Credit loss provision to net charge-offs | 18.1818% | 2,695 |
| Earnings coverage of net charge-offs (x) | 1.0182% | 3,092 |
| Efficiency ratio | 96.8539% | 207 |
| Assets per employee ($millions) | 2.3632% | 5,370 |
| Cash dividends to net income (ytd only)* | 20.9302% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,731 |
| Loan loss allowance to noncurrent loans | 175.2650% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 2,696 |
| Noncurrent loans to loans | 0.5809% | 2,679 |
| Net loans and leases to total assets | 61.8363% | 3,622 |
| Net loans and leases to deposits | 69.3786% | 3,910 |
| Net loans and leases to core deposits | 71.8813% | 4,016 |
| Total domestic deposits to total assets | 89.1287% | 883 |
| Equity capital to assets | 10.5892% | 3,037 |
| Core capital (leverage) ratio | 10.7816% | 2,718 |
| Tier 1 risk-based capital ratio | 17.6286% | 1,907 |
| Total risk-based capital ratio | 18.6858% | 1,912 |
| Memoranda: | ||
| Average total assets | $76,504,330 | 4,587 |
| Average earning assets | $70,148,330 | 4,589 |
| Average equity | $7,589,330 | 4,763 |
| Average total loans | $44,222,330 | 4,539 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 1,906 |
| Cost of funding earning assets | 0.4558% | 3,161 |
| Net interest margin | 4.0327% | 1,616 |
| Noninterest income to average assets | 0.8817% | 1,196 |
| Noninterest expense to average assets | 4.4929% | 297 |
| Loan and lease loss provision to assets | 0.0528% | 2,717 |
| Net operating income to assets | 0.0264% | 5,373 |
| Return on assets (ROA) | 0.0264% | 5,370 |
| Pretax return on assets | 0.0264% | 5,377 |
| Return on Equity (ROE) | 0.2757% | 5,364 |
| Retained earnings to average equity (ytd only) | 0.2757% | 4,764 |
| Net charge-offs to loans | 0.3240% | 473 |
| Credit loss provision to net charge-offs | 29.4118% | 2,069 |
| Earnings coverage of net charge-offs (x) | 0.4412% | 2,640 |
| Efficiency ratio | 98.2679% | 204 |
| Assets per employee ($millions) | 2.3355% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,593 |
| Loan loss allowance to noncurrent loans | 159.5679% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 2,600 |
| Noncurrent loans to loans | 0.7754% | 2,264 |
| Net loans and leases to total assets | 53.5448% | 4,323 |
| Net loans and leases to deposits | 59.2423% | 4,522 |
| Net loans and leases to core deposits | 61.3563% | 4,592 |
| Total domestic deposits to total assets | 90.3828% | 508 |
| Equity capital to assets | 9.3967% | 4,186 |
| Core capital (leverage) ratio | 9.6108% | 3,951 |
| Tier 1 risk-based capital ratio | 17.0964% | 2,089 |
| Total risk-based capital ratio | 18.3195% | 2,050 |
| Memoranda: | ||
| Average total assets | $75,764,000 | 4,646 |
| Average earning assets | $69,334,000 | 4,655 |
| Average equity | $7,255,000 | 4,859 |
| Average total loans | $41,974,000 | 4,635 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 1,515 |
| Cost of funding earning assets | 0.4107% | 3,153 |
| Net interest margin | 4.1586% | 1,281 |
| Noninterest income to average assets | 0.8529% | 1,402 |
| Noninterest expense to average assets | 4.6119% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0763% | 5,281 |
| Return on assets (ROA) | 0.0572% | 5,308 |
| Pretax return on assets | 0.0572% | 5,404 |
| Return on Equity (ROE) | 0.8068% | 5,265 |
| Retained earnings to average equity (ytd only) | 0.8068% | 4,710 |
| Net charge-offs to loans | 0.1939% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.7467% | 3,970 |
| Efficiency ratio | 98.3726% | 196 |
| Assets per employee ($millions) | 2.2570% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,307 |
| Loan loss allowance to noncurrent loans | 256.3981% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 3,032 |
| Noncurrent loans to loans | 0.5004% | 3,025 |
| Net loans and leases to total assets | 55.8848% | 4,198 |
| Net loans and leases to deposits | 62.1044% | 4,442 |
| Net loans and leases to core deposits | 64.3970% | 4,513 |
| Total domestic deposits to total assets | 89.9852% | 572 |
| Equity capital to assets | 9.7905% | 3,931 |
| Core capital (leverage) ratio | 10.0767% | 3,355 |
| Tier 1 risk-based capital ratio | 17.7066% | 1,885 |
| Total risk-based capital ratio | 18.9573% | 1,832 |
| Memoranda: | ||
| Average total assets | $73,396,400 | 4,717 |
| Average earning assets | $67,691,200 | 4,710 |
| Average equity | $5,205,800 | 5,233 |
| Average total loans | $38,683,000 | 4,772 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 1,734 |
| Cost of funding earning assets | 0.4057% | 3,128 |
| Net interest margin | 4.0611% | 1,507 |
| Noninterest income to average assets | 0.8442% | 1,438 |
| Noninterest expense to average assets | 4.5984% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0128% | 5,518 |
| Return on assets (ROA) | -0.0292% | 5,527 |
| Pretax return on assets | -0.0292% | 5,521 |
| Return on Equity (ROE) | -0.4554% | 5,536 |
| Retained earnings to average equity (ytd only) | -0.4554% | 5,284 |
| Net charge-offs to loans | 0.1657% | 1,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -0.1489% | 3,700 |
| Efficiency ratio | 100.2783% | 174 |
| Assets per employee ($millions) | 2.0891% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 2,163 |
| Loan loss allowance to noncurrent loans | 302.6596% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 3,281 |
| Noncurrent loans to loans | 0.4428% | 3,377 |
| Net loans and leases to total assets | 57.2839% | 4,127 |
| Net loans and leases to deposits | 62.4279% | 4,486 |
| Net loans and leases to core deposits | 64.8370% | 4,561 |
| Total domestic deposits to total assets | 91.7601% | 78 |
| Equity capital to assets | 7.0350% | 5,660 |
| Core capital (leverage) ratio | 6.8609% | 5,678 |
| Tier 1 risk-based capital ratio | 12.2054% | 4,495 |
| Total risk-based capital ratio | 13.4578% | 4,385 |
| Memoranda: | ||
| Average total assets | $73,125,500 | 4,771 |
| Average earning assets | $67,369,750 | 4,764 |
| Average equity | $4,684,250 | 5,379 |
| Average total loans | $37,812,750 | 4,845 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 2,135 |
| Cost of funding earning assets | 0.3991% | 3,083 |
| Net interest margin | 3.8986% | 1,932 |
| Noninterest income to average assets | 0.8998% | 1,274 |
| Noninterest expense to average assets | 4.5154% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0356% | 5,567 |
| Return on assets (ROA) | -0.0602% | 5,576 |
| Pretax return on assets | -0.0602% | 5,570 |
| Return on Equity (ROE) | -0.9711% | 5,590 |
| Retained earnings to average equity (ytd only) | -0.9711% | 5,229 |
| Net charge-offs to loans | 0.1599% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.4483% | 3,424 |
| Efficiency ratio | 100.7937% | 177 |
| Assets per employee ($millions) | 2.1135% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,766 |
| Loan loss allowance to noncurrent loans | 203.1142% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 2,394 |
| Noncurrent loans to loans | 0.7122% | 2,617 |
| Net loans and leases to total assets | 54.0636% | 4,384 |
| Net loans and leases to deposits | 58.1809% | 4,741 |
| Net loans and leases to core deposits | 60.3713% | 4,803 |
| Total domestic deposits to total assets | 92.9232% | 30 |
| Equity capital to assets | 6.9241% | 5,713 |
| Core capital (leverage) ratio | 6.7881% | 5,725 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,340 |
| Total risk-based capital ratio | 13.6816% | 4,231 |
| Memoranda: | ||
| Average total assets | $73,127,330 | 4,801 |
| Average earning assets | $67,152,670 | 4,801 |
| Average equity | $4,531,000 | 5,437 |
| Average total loans | $36,265,330 | 4,924 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 2,328 |
| Cost of funding earning assets | 0.4010% | 2,987 |
| Net interest margin | 3.7828% | 2,179 |
| Noninterest income to average assets | 0.9298% | 1,166 |
| Noninterest expense to average assets | 4.3354% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0715% | 5,545 |
| Return on assets (ROA) | 0.0715% | 5,549 |
| Pretax return on assets | 0.0715% | 5,552 |
| Return on Equity (ROE) | 1.2277% | 5,455 |
| Retained earnings to average equity (ytd only) | 1.2277% | 4,583 |
| Net charge-offs to loans | 0.1525% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,768 |
| Efficiency ratio | 98.3770% | 257 |
| Assets per employee ($millions) | 1.8235% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 1,143 |
| Loan loss allowance to noncurrent loans | 76.2326% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.4204% | 1,167 |
| Noncurrent loans to loans | 2.2282% | 755 |
| Net loans and leases to total assets | 47.8441% | 4,838 |
| Net loans and leases to deposits | 50.8895% | 5,070 |
| Net loans and leases to core deposits | 52.7974% | 5,116 |
| Total domestic deposits to total assets | 94.0155% | 15 |
| Equity capital to assets | 5.8542% | 5,813 |
| Core capital (leverage) ratio | 5.7569% | 5,813 |
| Tier 1 risk-based capital ratio | 10.9185% | 5,350 |
| Total risk-based capital ratio | 12.1730% | 5,271 |
| Memoranda: | ||
| Average total assets | $72,704,000 | 4,857 |
| Average earning assets | $66,829,000 | 4,859 |
| Average equity | $4,235,500 | 5,539 |
| Average total loans | $34,108,000 | 5,026 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,877 |
| Cost of funding earning assets | 0.3797% | 3,209 |
| Net interest margin | 3.7136% | 2,630 |
| Noninterest income to average assets | 0.9111% | 1,373 |
| Noninterest expense to average assets | 5.2748% | 232 |
| Loan and lease loss provision to assets | 0.2072% | 1,095 |
| Net operating income to assets | -1.1548% | 5,844 |
| Return on assets (ROA) | -1.1548% | 5,844 |
| Pretax return on assets | -1.1548% | 5,840 |
| Return on Equity (ROE) | -18.4284% | 5,872 |
| Retained earnings to average equity (ytd only) | -18.4284% | 5,848 |
| Net charge-offs to loans | 0.4498% | 566 |
| Credit loss provision to net charge-offs | 111.1888% | 2,358 |
| Earnings coverage of net charge-offs (x) | -5.0839% | 4,219 |
| Efficiency ratio | 121.8976% | 81 |
| Assets per employee ($millions) | 1.9586% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 834 |
| Loan loss allowance to noncurrent loans | 196.1783% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,776 |
| Noncurrent loans to loans | 0.9598% | 2,163 |
| Net loans and leases to total assets | 44.2948% | 5,098 |
| Net loans and leases to deposits | 47.1400% | 5,331 |
| Net loans and leases to core deposits | 48.9091% | 5,335 |
| Total domestic deposits to total assets | 93.9643% | 24 |
| Equity capital to assets | 5.7970% | 5,860 |
| Core capital (leverage) ratio | 5.9421% | 5,862 |
| Tier 1 risk-based capital ratio | 12.0404% | 4,699 |
| Total risk-based capital ratio | 13.2955% | 4,583 |
| Memoranda: | ||
| Average total assets | $76,723,800 | 4,800 |
| Average earning assets | $70,579,000 | 4,791 |
| Average equity | $4,807,800 | 5,499 |
| Average total loans | $31,790,400 | 5,140 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 2,924 |
| Cost of funding earning assets | 0.3742% | 3,291 |
| Net interest margin | 3.7126% | 2,670 |
| Noninterest income to average assets | 0.9033% | 1,395 |
| Noninterest expense to average assets | 5.3718% | 217 |
| Loan and lease loss provision to assets | 0.0428% | 3,374 |
| Net operating income to assets | -1.0936% | 5,914 |
| Return on assets (ROA) | -1.0764% | 5,913 |
| Pretax return on assets | -1.0764% | 5,906 |
| Return on Equity (ROE) | -16.8830% | 5,935 |
| Retained earnings to average equity (ytd only) | -16.8830% | 5,902 |
| Net charge-offs to loans | 0.4690% | 450 |
| Credit loss provision to net charge-offs | 22.5225% | 3,278 |
| Earnings coverage of net charge-offs (x) | -5.5224% | 3,903 |
| Efficiency ratio | 124.3157% | 72 |
| Assets per employee ($millions) | 1.8126% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,633 |
| Loan loss allowance to noncurrent loans | 97.5332% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 2,222 |
| Noncurrent loans to loans | 1.5798% | 1,370 |
| Net loans and leases to total assets | 44.1939% | 5,176 |
| Net loans and leases to deposits | 47.2446% | 5,401 |
| Net loans and leases to core deposits | 48.9990% | 5,420 |
| Total domestic deposits to total assets | 93.5426% | 23 |
| Equity capital to assets | 6.2730% | 5,924 |
| Core capital (leverage) ratio | 6.2010% | 5,921 |
| Tier 1 risk-based capital ratio | 12.3822% | 4,548 |
| Total risk-based capital ratio | 13.6330% | 4,450 |
| Memoranda: | ||
| Average total assets | $77,787,500 | 4,818 |
| Average earning assets | $71,609,500 | 4,801 |
| Average equity | $4,959,500 | 5,530 |
| Average total loans | $31,559,000 | 5,199 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,065 |
| Cost of funding earning assets | 0.3764% | 3,288 |
| Net interest margin | 3.6729% | 2,811 |
| Noninterest income to average assets | 0.9982% | 1,122 |
| Noninterest expense to average assets | 5.5609% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.1755% | 5,984 |
| Return on assets (ROA) | -1.1552% | 5,985 |
| Pretax return on assets | -1.1552% | 5,978 |
| Return on Equity (ROE) | -18.0285% | 6,008 |
| Retained earnings to average equity (ytd only) | -18.0285% | 5,961 |
| Net charge-offs to loans | 0.0904% | 1,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -33.1429% | 3,669 |
| Efficiency ratio | 126.8053% | 74 |
| Assets per employee ($millions) | 1.8889% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 1,163 |
| Loan loss allowance to noncurrent loans | 97.9933% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 2,157 |
| Noncurrent loans to loans | 1.7929% | 1,154 |
| Net loans and leases to total assets | 42.3111% | 5,323 |
| Net loans and leases to deposits | 46.8468% | 5,468 |
| Net loans and leases to core deposits | 48.5919% | 5,479 |
| Total domestic deposits to total assets | 90.3180% | 380 |
| Equity capital to assets | 6.2846% | 6,002 |
| Core capital (leverage) ratio | 6.1781% | 5,998 |
| Tier 1 risk-based capital ratio | 12.5879% | 4,458 |
| Total risk-based capital ratio | 13.8425% | 4,368 |
| Memoranda: | ||
| Average total assets | $78,944,000 | 4,839 |
| Average earning assets | $72,804,000 | 4,825 |
| Average equity | $5,058,670 | 5,573 |
| Average total loans | $30,959,330 | 5,267 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 2,916 |
| Cost of funding earning assets | 0.3919% | 3,170 |
| Net interest margin | 3.6907% | 2,705 |
| Noninterest income to average assets | 0.9035% | 1,304 |
| Noninterest expense to average assets | 5.0844% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.7780% | 6,010 |
| Return on assets (ROA) | -0.7730% | 6,012 |
| Pretax return on assets | -0.7730% | 6,002 |
| Return on Equity (ROE) | -11.9507% | 6,040 |
| Retained earnings to average equity (ytd only) | -11.9507% | 5,860 |
| Net charge-offs to loans | 0.1344% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -15.5000% | 3,071 |
| Efficiency ratio | 118.0653% | 111 |
| Assets per employee ($millions) | 1.7738% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 831 |
| Loan loss allowance to noncurrent loans | 163.8889% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 2,936 |
| Noncurrent loans to loans | 1.2135% | 1,997 |
| Net loans and leases to total assets | 37.2553% | 5,586 |
| Net loans and leases to deposits | 39.9152% | 5,719 |
| Net loans and leases to core deposits | 41.3425% | 5,737 |
| Total domestic deposits to total assets | 93.3362% | 35 |
| Equity capital to assets | 6.5703% | 6,038 |
| Core capital (leverage) ratio | 6.4020% | 6,039 |
| Tier 1 risk-based capital ratio | 13.9198% | 3,738 |
| Total risk-based capital ratio | 15.1731% | 3,672 |
| Memoranda: | ||
| Average total assets | $79,694,500 | 4,864 |
| Average earning assets | $73,482,000 | 4,856 |
| Average equity | $5,154,500 | 5,596 |
| Average total loans | $29,762,500 | 5,346 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 3,406 |
| Cost of funding earning assets | 0.4318% | 2,832 |
| Net interest margin | 3.5429% | 3,360 |
| Noninterest income to average assets | 0.9854% | 1,216 |
| Noninterest expense to average assets | 4.9089% | 300 |
| Loan and lease loss provision to assets | 0.3673% | 388 |
| Net operating income to assets | -1.0961% | 6,106 |
| Return on assets (ROA) | -1.0950% | 6,107 |
| Pretax return on assets | -1.0634% | 6,104 |
| Return on Equity (ROE) | -16.8136% | 6,132 |
| Retained earnings to average equity (ytd only) | -16.8136% | 6,108 |
| Net charge-offs to loans | 1.2507% | 140 |
| Credit loss provision to net charge-offs | 81.8640% | 2,912 |
| Earnings coverage of net charge-offs (x) | -1.5542% | 4,349 |
| Efficiency ratio | 116.5549% | 103 |
| Assets per employee ($millions) | 1.8487% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 789 |
| Loan loss allowance to noncurrent loans | 214.2857% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 3,184 |
| Noncurrent loans to loans | 0.9378% | 2,460 |
| Net loans and leases to total assets | 35.9696% | 5,709 |
| Net loans and leases to deposits | 38.4286% | 5,825 |
| Net loans and leases to core deposits | 39.7392% | 5,832 |
| Total domestic deposits to total assets | 93.6010% | 32 |
| Equity capital to assets | 6.3695% | 6,102 |
| Core capital (leverage) ratio | 6.3947% | 6,101 |
| Tier 1 risk-based capital ratio | 14.1571% | 3,633 |
| Total risk-based capital ratio | 15.4105% | 3,546 |
| Memoranda: | ||
| Average total assets | $88,492,400 | 4,699 |
| Average earning assets | $80,584,200 | 4,699 |
| Average equity | $5,763,200 | 5,491 |
| Average total loans | $31,742,000 | 5,305 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,433 |
| Cost of funding earning assets | 0.4423% | 2,765 |
| Net interest margin | 3.5339% | 3,413 |
| Noninterest income to average assets | 0.9836% | 1,221 |
| Noninterest expense to average assets | 4.8780% | 307 |
| Loan and lease loss provision to assets | 0.4135% | 283 |
| Net operating income to assets | -1.1106% | 6,198 |
| Return on assets (ROA) | -1.1121% | 6,198 |
| Pretax return on assets | -1.1002% | 6,193 |
| Return on Equity (ROE) | -16.9912% | 6,217 |
| Retained earnings to average equity (ytd only) | -16.9912% | 6,187 |
| Net charge-offs to loans | 1.4901% | 95 |
| Credit loss provision to net charge-offs | 77.7778% | 2,646 |
| Earnings coverage of net charge-offs (x) | -1.2889% | 4,065 |
| Efficiency ratio | 116.3438% | 108 |
| Assets per employee ($millions) | 1.8098% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9326% | 1,009 |
| Loan loss allowance to noncurrent loans | 117.2277% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 2,501 |
| Noncurrent loans to loans | 1.6485% | 1,495 |
| Net loans and leases to total assets | 36.0853% | 5,779 |
| Net loans and leases to deposits | 39.1378% | 5,894 |
| Net loans and leases to core deposits | 40.4576% | 5,906 |
| Total domestic deposits to total assets | 92.2006% | 85 |
| Equity capital to assets | 6.6102% | 6,173 |
| Core capital (leverage) ratio | 6.2045% | 6,189 |
| Tier 1 risk-based capital ratio | 14.0160% | 3,835 |
| Total risk-based capital ratio | 15.2737% | 3,778 |
| Memoranda: | ||
| Average total assets | $90,280,250 | 4,718 |
| Average earning assets | $81,985,750 | 4,736 |
| Average equity | $5,908,750 | 5,523 |
| Average total loans | $32,213,000 | 5,351 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,542 |
| Cost of funding earning assets | 0.4493% | 2,734 |
| Net interest margin | 3.4891% | 3,544 |
| Noninterest income to average assets | 1.0019% | 1,176 |
| Noninterest expense to average assets | 4.9210% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7838% | 6,238 |
| Return on assets (ROA) | -0.7817% | 6,243 |
| Pretax return on assets | -0.7644% | 6,229 |
| Return on Equity (ROE) | -11.9788% | 6,267 |
| Retained earnings to average equity (ytd only) | -11.9788% | 6,206 |
| Net charge-offs to loans | 0.6353% | 366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.4135% | 3,807 |
| Efficiency ratio | 118.4511% | 111 |
| Assets per employee ($millions) | 2.0423% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 1,359 |
| Loan loss allowance to noncurrent loans | 230.8943% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 3,617 |
| Noncurrent loans to loans | 0.7819% | 3,152 |
| Net loans and leases to total assets | 35.1765% | 5,856 |
| Net loans and leases to deposits | 38.4842% | 5,958 |
| Net loans and leases to core deposits | 39.7330% | 5,963 |
| Total domestic deposits to total assets | 91.4051% | 201 |
| Equity capital to assets | 6.6397% | 6,236 |
| Core capital (leverage) ratio | 6.0307% | 6,269 |
| Tier 1 risk-based capital ratio | 14.4800% | 3,654 |
| Total risk-based capital ratio | 15.7331% | 3,573 |
| Memoranda: | ||
| Average total assets | $92,623,670 | 4,710 |
| Average earning assets | $83,689,330 | 4,743 |
| Average equity | $6,044,000 | 5,543 |
| Average total loans | $32,739,670 | 5,381 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,628 |
| Cost of funding earning assets | 0.4624% | 2,652 |
| Net interest margin | 3.4350% | 3,690 |
| Noninterest income to average assets | 0.9471% | 1,243 |
| Noninterest expense to average assets | 4.4114% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4294% | 6,226 |
| Return on assets (ROA) | -0.4167% | 6,235 |
| Pretax return on assets | -0.3873% | 6,215 |
| Return on Equity (ROE) | -6.4385% | 6,287 |
| Retained earnings to average equity (ytd only) | -6.4385% | 6,014 |
| Net charge-offs to loans | 0.8388% | 287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.3571% | 3,188 |
| Efficiency ratio | 109.9685% | 193 |
| Assets per employee ($millions) | 2.1258% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 1,340 |
| Loan loss allowance to noncurrent loans | 164.9315% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 3,125 |
| Noncurrent loans to loans | 1.1345% | 2,501 |
| Net loans and leases to total assets | 33.0016% | 5,965 |
| Net loans and leases to deposits | 37.2569% | 6,013 |
| Net loans and leases to core deposits | 38.3993% | 6,027 |
| Total domestic deposits to total assets | 88.5785% | 1,507 |
| Equity capital to assets | 6.4487% | 6,312 |
| Core capital (leverage) ratio | 6.3535% | 6,311 |
| Tier 1 risk-based capital ratio | 15.3515% | 3,224 |
| Total risk-based capital ratio | 16.6050% | 3,157 |
| Memoranda: | ||
| Average total assets | $95,025,500 | 4,687 |
| Average earning assets | $84,773,500 | 4,752 |
| Average equity | $6,150,500 | 5,567 |
| Average total loans | $33,379,500 | 5,391 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,977 |
| Cost of funding earning assets | 0.5362% | 2,322 |
| Net interest margin | 3.9374% | 2,094 |
| Noninterest income to average assets | 0.8625% | 1,634 |
| Noninterest expense to average assets | 8.3428% | 101 |
| Loan and lease loss provision to assets | 3.3559% | 13 |
| Net operating income to assets | -8.1699% | 6,506 |
| Return on assets (ROA) | -8.1709% | 6,506 |
| Pretax return on assets | -7.3144% | 6,504 |
| Return on Equity (ROE) | -72.4348% | 6,496 |
| Retained earnings to average equity (ytd only) | -72.4348% | 6,496 |
| Net charge-offs to loans | 12.1076% | 3 |
| Credit loss provision to net charge-offs | 65.0271% | 3,183 |
| Earnings coverage of net charge-offs (x) | -0.7668% | 4,783 |
| Efficiency ratio | 190.2461% | 26 |
| Assets per employee ($millions) | 2.0408% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 1,215 |
| Loan loss allowance to noncurrent loans | 78.1395% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.4146% | 1,953 |
| Noncurrent loans to loans | 2.4865% | 1,022 |
| Net loans and leases to total assets | 36.1263% | 5,947 |
| Net loans and leases to deposits | 40.8846% | 6,004 |
| Net loans and leases to core deposits | 42.1566% | 6,033 |
| Total domestic deposits to total assets | 88.3616% | 1,588 |
| Equity capital to assets | 5.4932% | 6,438 |
| Core capital (leverage) ratio | 5.3167% | 6,445 |
| Tier 1 risk-based capital ratio | 12.5614% | 4,999 |
| Total risk-based capital ratio | 13.8017% | 4,928 |
| Memoranda: | ||
| Average total assets | $100,062,400 | 4,598 |
| Average earning assets | $89,525,800 | 4,667 |
| Average equity | $11,287,400 | 4,501 |
| Average total loans | $42,650,800 | 5,083 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 2,242 |
| Cost of funding earning assets | 0.5492% | 2,301 |
| Net interest margin | 3.8462% | 2,448 |
| Noninterest income to average assets | 0.7913% | 1,928 |
| Noninterest expense to average assets | 4.8984% | 331 |
| Loan and lease loss provision to assets | 1.0498% | 108 |
| Net operating income to assets | -1.7019% | 6,514 |
| Return on assets (ROA) | -1.7032% | 6,512 |
| Pretax return on assets | -1.6940% | 6,503 |
| Return on Equity (ROE) | -13.4994% | 6,481 |
| Retained earnings to average equity (ytd only) | -13.4994% | 6,431 |
| Net charge-offs to loans | 5.8894% | 7 |
| Credit loss provision to net charge-offs | 40.5474% | 3,279 |
| Earnings coverage of net charge-offs (x) | -0.2484% | 4,479 |
| Efficiency ratio | 115.1095% | 171 |
| Assets per employee ($millions) | 2.0555% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1200% | 319 |
| Loan loss allowance to noncurrent loans | 44.4482% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 3.7563% | 549 |
| Noncurrent loans to loans | 7.0194% | 164 |
| Net loans and leases to total assets | 41.0715% | 5,746 |
| Net loans and leases to deposits | 48.1247% | 5,757 |
| Net loans and leases to core deposits | 50.3023% | 5,774 |
| Total domestic deposits to total assets | 85.3439% | 3,191 |
| Equity capital to assets | 12.2529% | 1,866 |
| Core capital (leverage) ratio | 12.0905% | 1,643 |
| Tier 1 risk-based capital ratio | 25.4840% | 834 |
| Total risk-based capital ratio | 26.7514% | 821 |
| Memoranda: | ||
| Average total assets | $101,608,250 | 4,613 |
| Average earning assets | $91,517,250 | 4,659 |
| Average equity | $12,820,000 | 4,252 |
| Average total loans | $44,666,750 | 5,064 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,127 |
| Cost of funding earning assets | 0.5568% | 2,295 |
| Net interest margin | 3.8568% | 2,352 |
| Noninterest income to average assets | 0.8305% | 1,737 |
| Noninterest expense to average assets | 5.0336% | 309 |
| Loan and lease loss provision to assets | 0.7798% | 163 |
| Net operating income to assets | -1.5265% | 6,575 |
| Return on assets (ROA) | -1.5265% | 6,573 |
| Pretax return on assets | -1.5128% | 6,559 |
| Return on Equity (ROE) | -11.9874% | 6,531 |
| Retained earnings to average equity (ytd only) | -11.9874% | 6,455 |
| Net charge-offs to loans | 7.7477% | 4 |
| Credit loss provision to net charge-offs | 22.6372% | 3,163 |
| Earnings coverage of net charge-offs (x) | -0.2128% | 4,152 |
| Efficiency ratio | 117.0444% | 163 |
| Assets per employee ($millions) | 2.1898% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5539% | 666 |
| Loan loss allowance to noncurrent loans | 38.2971% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 3.6633% | 620 |
| Noncurrent loans to loans | 6.6687% | 196 |
| Net loans and leases to total assets | 42.0842% | 5,672 |
| Net loans and leases to deposits | 49.4552% | 5,674 |
| Net loans and leases to core deposits | 51.6919% | 5,678 |
| Total domestic deposits to total assets | 85.0957% | 3,459 |
| Equity capital to assets | 12.5197% | 1,629 |
| Core capital (leverage) ratio | 12.2003% | 1,553 |
| Tier 1 risk-based capital ratio | 25.5710% | 818 |
| Total risk-based capital ratio | 26.8335% | 795 |
| Memoranda: | ||
| Average total assets | $102,590,330 | 4,620 |
| Average earning assets | $92,305,000 | 4,671 |
| Average equity | $13,063,670 | 4,208 |
| Average total loans | $45,613,330 | 5,044 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 1,905 |
| Cost of funding earning assets | 0.5587% | 2,358 |
| Net interest margin | 3.9111% | 2,052 |
| Noninterest income to average assets | 0.8501% | 1,563 |
| Noninterest expense to average assets | 4.3894% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0232% | 6,231 |
| Return on assets (ROA) | -0.0232% | 6,239 |
| Pretax return on assets | -0.0232% | 6,234 |
| Return on Equity (ROE) | -0.1806% | 6,238 |
| Retained earnings to average equity (ytd only) | -0.1806% | 5,587 |
| Net charge-offs to loans | 0.6428% | 570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.0800% | 3,438 |
| Efficiency ratio | 100.5310% | 452 |
| Assets per employee ($millions) | 2.1259% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2388% | 83 |
| Loan loss allowance to noncurrent loans | 89.2313% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 3.3984% | 777 |
| Noncurrent loans to loans | 5.8711% | 314 |
| Net loans and leases to total assets | 41.7268% | 5,692 |
| Net loans and leases to deposits | 49.1530% | 5,657 |
| Net loans and leases to core deposits | 51.2952% | 5,668 |
| Total domestic deposits to total assets | 84.8917% | 3,924 |
| Equity capital to assets | 12.7765% | 1,412 |
| Core capital (leverage) ratio | 12.9118% | 1,199 |
| Tier 1 risk-based capital ratio | 26.2518% | 768 |
| Total risk-based capital ratio | 27.5452% | 752 |
| Memoranda: | ||
| Average total assets | $103,521,000 | 4,641 |
| Average earning assets | $93,068,000 | 4,705 |
| Average equity | $13,290,000 | 4,185 |
| Average total loans | $46,669,000 | 5,059 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 1,713 |
| Cost of funding earning assets | 0.6387% | 2,305 |
| Net interest margin | 4.0126% | 1,915 |
| Noninterest income to average assets | 0.8313% | 1,930 |
| Noninterest expense to average assets | 6.2778% | 177 |
| Loan and lease loss provision to assets | 1.5006% | 87 |
| Net operating income to assets | -2.7509% | 6,750 |
| Return on assets (ROA) | -2.7509% | 6,748 |
| Pretax return on assets | -3.3208% | 6,767 |
| Return on Equity (ROE) | -18.4869% | 6,679 |
| Retained earnings to average equity (ytd only) | -20.9617% | 6,679 |
| Net charge-offs to loans | 0.6907% | 944 |
| Credit loss provision to net charge-offs | 478.0059% | 483 |
| Earnings coverage of net charge-offs (x) | -5.7977% | 5,404 |
| Efficiency ratio | 140.8302% | 82 |
| Assets per employee ($millions) | 2.1432% | 6,594 |
| Cash dividends to net income (ytd only)* | -13.3869% | 6,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2202% | 83 |
| Loan loss allowance to noncurrent loans | 84.7469% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 3.5908% | 796 |
| Noncurrent loans to loans | 6.1598% | 323 |
| Net loans and leases to total assets | 43.7341% | 5,699 |
| Net loans and leases to deposits | 51.6171% | 5,653 |
| Net loans and leases to core deposits | 54.0887% | 5,666 |
| Total domestic deposits to total assets | 84.7279% | 3,880 |
| Equity capital to assets | 12.9002% | 1,323 |
| Core capital (leverage) ratio | 12.6086% | 1,301 |
| Tier 1 risk-based capital ratio | 26.0540% | 770 |
| Total risk-based capital ratio | 27.3488% | 745 |
| Memoranda: | ||
| Average total assets | $108,620,000 | 4,533 |
| Average earning assets | $98,164,800 | 4,562 |
| Average equity | $16,162,800 | 3,676 |
| Average total loans | $49,373,200 | 4,988 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,759 |
| Cost of funding earning assets | 0.6471% | 2,383 |
| Net interest margin | 3.9966% | 1,959 |
| Noninterest income to average assets | 0.7620% | 2,311 |
| Noninterest expense to average assets | 3.7883% | 1,099 |
| Loan and lease loss provision to assets | 0.0400% | 4,209 |
| Net operating income to assets | 0.4264% | 5,129 |
| Return on assets (ROA) | 0.4264% | 5,276 |
| Pretax return on assets | 0.5476% | 5,211 |
| Return on Equity (ROE) | 2.7794% | 5,686 |
| Retained earnings to average equity (ytd only) | 0.8844% | 5,622 |
| Net charge-offs to loans | 0.6660% | 909 |
| Credit loss provision to net charge-offs | 13.2530% | 4,179 |
| Earnings coverage of net charge-offs (x) | 1.9478% | 4,174 |
| Efficiency ratio | 86.5725% | 1,309 |
| Assets per employee ($millions) | 2.2347% | 6,625 |
| Cash dividends to net income (ytd only)* | 68.1816% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9936% | 1,735 |
| Loan loss allowance to noncurrent loans | 43.9675% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 2.9022% | 1,283 |
| Noncurrent loans to loans | 4.5342% | 709 |
| Net loans and leases to total assets | 44.5946% | 5,673 |
| Net loans and leases to deposits | 52.9412% | 5,635 |
| Net loans and leases to core deposits | 55.5434% | 5,664 |
| Total domestic deposits to total assets | 84.2342% | 4,095 |
| Equity capital to assets | 15.6828% | 599 |
| Core capital (leverage) ratio | 15.5731% | 557 |
| Tier 1 risk-based capital ratio | 31.4139% | 461 |
| Total risk-based capital ratio | 32.6713% | 452 |
| Memoranda: | ||
| Average total assets | $110,056,500 | 4,535 |
| Average earning assets | $99,514,750 | 4,571 |
| Average equity | $16,885,750 | 3,616 |
| Average total loans | $49,849,250 | 5,013 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 1,782 |
| Cost of funding earning assets | 0.6629% | 2,378 |
| Net interest margin | 3.9577% | 2,016 |
| Noninterest income to average assets | 0.7406% | 2,457 |
| Noninterest expense to average assets | 3.6274% | 1,369 |
| Loan and lease loss provision to assets | 0.0595% | 3,815 |
| Net operating income to assets | 0.4649% | 4,954 |
| Return on assets (ROA) | 0.4649% | 5,126 |
| Pretax return on assets | 0.6253% | 4,925 |
| Return on Equity (ROE) | 3.0520% | 5,602 |
| Retained earnings to average equity (ytd only) | 1.1593% | 5,439 |
| Net charge-offs to loans | 0.2669% | 2,139 |
| Credit loss provision to net charge-offs | 49.2537% | 3,223 |
| Earnings coverage of net charge-offs (x) | 5.6716% | 2,849 |
| Efficiency ratio | 84.1204% | 1,618 |
| Assets per employee ($millions) | 2.4279% | 6,556 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 1,198 |
| Loan loss allowance to noncurrent loans | 52.9817% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.7294% | 1,522 |
| Noncurrent loans to loans | 4.4118% | 804 |
| Net loans and leases to total assets | 44.1697% | 5,725 |
| Net loans and leases to deposits | 52.1860% | 5,674 |
| Net loans and leases to core deposits | 54.7286% | 5,692 |
| Total domestic deposits to total assets | 84.6388% | 4,065 |
| Equity capital to assets | 15.2614% | 664 |
| Core capital (leverage) ratio | 15.2802% | 564 |
| Tier 1 risk-based capital ratio | 31.1769% | 467 |
| Total risk-based capital ratio | 32.4369% | 463 |
| Memoranda: | ||
| Average total assets | $110,987,330 | 4,558 |
| Average earning assets | $100,159,000 | 4,582 |
| Average equity | $16,907,000 | 3,637 |
| Average total loans | $50,196,670 | 5,016 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 1,870 |
| Cost of funding earning assets | 0.6897% | 2,312 |
| Net interest margin | 3.8965% | 2,130 |
| Noninterest income to average assets | 0.7081% | 2,549 |
| Noninterest expense to average assets | 3.5725% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4935% | 4,700 |
| Return on assets (ROA) | 0.4935% | 4,852 |
| Pretax return on assets | 0.6509% | 4,775 |
| Return on Equity (ROE) | 3.2426% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.3628% | 5,300 |
| Net charge-offs to loans | 0.2767% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,397 |
| Efficiency ratio | 84.5893% | 1,690 |
| Assets per employee ($millions) | 2.4362% | 6,634 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3169% | 1,385 |
| Loan loss allowance to noncurrent loans | 45.8665% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.9206% | 1,543 |
| Noncurrent loans to loans | 5.0513% | 748 |
| Net loans and leases to total assets | 43.4160% | 5,718 |
| Net loans and leases to deposits | 51.3255% | 5,682 |
| Net loans and leases to core deposits | 53.7571% | 5,688 |
| Total domestic deposits to total assets | 84.5896% | 4,228 |
| Equity capital to assets | 15.2052% | 711 |
| Core capital (leverage) ratio | 15.1525% | 570 |
| Tier 1 risk-based capital ratio | 30.9153% | 490 |
| Total risk-based capital ratio | 32.1768% | 485 |
| Memoranda: | ||
| Average total assets | $111,853,000 | 4,582 |
| Average earning assets | $100,912,000 | 4,598 |
| Average equity | $17,023,500 | 3,671 |
| Average total loans | $50,588,500 | 5,032 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 1,082 |
| Cost of funding earning assets | 0.8606% | 2,213 |
| Net interest margin | 4.3601% | 1,253 |
| Noninterest income to average assets | 0.6913% | 2,765 |
| Noninterest expense to average assets | 3.7286% | 1,365 |
| Loan and lease loss provision to assets | 0.0524% | 5,155 |
| Net operating income to assets | 0.5831% | 4,315 |
| Return on assets (ROA) | 0.5874% | 4,559 |
| Pretax return on assets | 0.8388% | 4,154 |
| Return on Equity (ROE) | 3.9715% | 5,155 |
| Retained earnings to average equity (ytd only) | 1.6110% | 5,062 |
| Net charge-offs to loans | 0.5394% | 2,113 |
| Credit loss provision to net charge-offs | 20.6186% | 5,279 |
| Earnings coverage of net charge-offs (x) | 3.4845% | 3,709 |
| Efficiency ratio | 80.8173% | 2,032 |
| Assets per employee ($millions) | 2.4269% | 6,678 |
| Cash dividends to net income (ytd only)* | 59.4354% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3147% | 1,346 |
| Loan loss allowance to noncurrent loans | 52.2637% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.7455% | 1,753 |
| Noncurrent loans to loans | 4.4288% | 973 |
| Net loans and leases to total assets | 44.9476% | 5,733 |
| Net loans and leases to deposits | 53.1445% | 5,727 |
| Net loans and leases to core deposits | 55.6845% | 5,735 |
| Total domestic deposits to total assets | 84.5762% | 4,055 |
| Equity capital to assets | 15.2339% | 694 |
| Core capital (leverage) ratio | 14.8946% | 591 |
| Tier 1 risk-based capital ratio | 30.3779% | 502 |
| Total risk-based capital ratio | 31.6381% | 495 |
| Memoranda: | ||
| Average total assets | $114,572,400 | 4,473 |
| Average earning assets | $103,071,800 | 4,511 |
| Average equity | $16,945,600 | 3,641 |
| Average total loans | $53,944,600 | 4,943 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3199% | 966 |
| Cost of funding earning assets | 0.8879% | 2,251 |
| Net interest margin | 4.4320% | 1,134 |
| Noninterest income to average assets | 0.6290% | 3,112 |
| Noninterest expense to average assets | 3.6239% | 1,513 |
| Loan and lease loss provision to assets | 0.0694% | 4,810 |
| Net operating income to assets | 0.7231% | 3,809 |
| Return on assets (ROA) | 0.7285% | 4,027 |
| Pretax return on assets | 0.9308% | 3,991 |
| Return on Equity (ROE) | 4.9614% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.0714% | 4,712 |
| Net charge-offs to loans | 0.6448% | 1,701 |
| Credit loss provision to net charge-offs | 22.7273% | 4,912 |
| Earnings coverage of net charge-offs (x) | 3.2538% | 3,725 |
| Efficiency ratio | 78.4874% | 2,318 |
| Assets per employee ($millions) | 2.5123% | 6,688 |
| Cash dividends to net income (ytd only)* | 38.0950% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3221% | 1,474 |
| Loan loss allowance to noncurrent loans | 63.6983% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.3953% | 2,225 |
| Noncurrent loans to loans | 3.6455% | 1,475 |
| Net loans and leases to total assets | 45.2439% | 5,846 |
| Net loans and leases to deposits | 53.5143% | 5,844 |
| Net loans and leases to core deposits | 56.0511% | 5,884 |
| Total domestic deposits to total assets | 84.5454% | 3,956 |
| Equity capital to assets | 15.1821% | 779 |
| Core capital (leverage) ratio | 14.7366% | 660 |
| Tier 1 risk-based capital ratio | 29.8697% | 544 |
| Total risk-based capital ratio | 31.1302% | 533 |
| Memoranda: | ||
| Average total assets | $115,305,750 | 4,498 |
| Average earning assets | $103,758,750 | 4,548 |
| Average equity | $16,930,250 | 3,674 |
| Average total loans | $54,588,750 | 4,967 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 834 |
| Cost of funding earning assets | 0.9199% | 2,261 |
| Net interest margin | 4.5015% | 989 |
| Noninterest income to average assets | 0.6187% | 3,135 |
| Noninterest expense to average assets | 3.7206% | 1,334 |
| Loan and lease loss provision to assets | 0.0517% | 5,018 |
| Net operating income to assets | 0.6797% | 3,983 |
| Return on assets (ROA) | 0.6876% | 4,196 |
| Pretax return on assets | 0.9047% | 4,062 |
| Return on Equity (ROE) | 4.7353% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.8364% | 4,738 |
| Net charge-offs to loans | 0.1663% | 3,611 |
| Credit loss provision to net charge-offs | 65.2174% | 3,684 |
| Earnings coverage of net charge-offs (x) | 11.9348% | 1,927 |
| Efficiency ratio | 79.7267% | 2,230 |
| Assets per employee ($millions) | 2.7038% | 6,525 |
| Cash dividends to net income (ytd only)* | 40.1003% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6347% | 1,111 |
| Loan loss allowance to noncurrent loans | 65.3023% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.5744% | 2,165 |
| Noncurrent loans to loans | 4.0347% | 1,360 |
| Net loans and leases to total assets | 44.6268% | 5,954 |
| Net loans and leases to deposits | 52.4950% | 5,991 |
| Net loans and leases to core deposits | 54.9118% | 6,028 |
| Total domestic deposits to total assets | 85.0114% | 3,853 |
| Equity capital to assets | 14.6393% | 875 |
| Core capital (leverage) ratio | 14.2867% | 740 |
| Tier 1 risk-based capital ratio | 29.1629% | 560 |
| Total risk-based capital ratio | 30.4272% | 548 |
| Memoranda: | ||
| Average total assets | $116,056,330 | 4,503 |
| Average earning assets | $104,364,330 | 4,556 |
| Average equity | $16,852,330 | 3,668 |
| Average total loans | $55,329,670 | 4,976 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 1,207 |
| Cost of funding earning assets | 0.9604% | 2,230 |
| Net interest margin | 4.2874% | 1,510 |
| Noninterest income to average assets | 0.6692% | 2,818 |
| Noninterest expense to average assets | 3.6118% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6906% | 3,928 |
| Return on assets (ROA) | 0.7037% | 4,086 |
| Pretax return on assets | 0.9245% | 3,953 |
| Return on Equity (ROE) | 4.8663% | 4,852 |
| Retained earnings to average equity (ytd only) | 2.9579% | 4,773 |
| Net charge-offs to loans | 0.3265% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.7174% | 2,308 |
| Efficiency ratio | 79.9237% | 2,218 |
| Assets per employee ($millions) | 2.6892% | 6,647 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4836% | 1,381 |
| Loan loss allowance to noncurrent loans | 34.7496% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 4.1192% | 1,332 |
| Noncurrent loans to loans | 7.1470% | 608 |
| Net loans and leases to total assets | 45.5948% | 5,834 |
| Net loans and leases to deposits | 53.3029% | 5,883 |
| Net loans and leases to core deposits | 55.7087% | 5,929 |
| Total domestic deposits to total assets | 85.5390% | 3,772 |
| Equity capital to assets | 14.1990% | 949 |
| Core capital (leverage) ratio | 14.4057% | 708 |
| Tier 1 risk-based capital ratio | 28.0828% | 636 |
| Total risk-based capital ratio | 29.3458% | 619 |
| Memoranda: | ||
| Average total assets | $115,953,500 | 4,543 |
| Average earning assets | $104,118,500 | 4,595 |
| Average equity | $16,768,500 | 3,683 |
| Average total loans | $56,350,500 | 4,969 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 540 |
| Cost of funding earning assets | 1.1913% | 2,084 |
| Net interest margin | 4.6943% | 764 |
| Noninterest income to average assets | 0.7069% | 2,557 |
| Noninterest expense to average assets | 4.0580% | 950 |
| Loan and lease loss provision to assets | 0.0096% | 6,416 |
| Net operating income to assets | 1.0260% | 2,102 |
| Return on assets (ROA) | 1.0469% | 2,158 |
| Pretax return on assets | 0.8608% | 3,740 |
| Return on Equity (ROE) | 7.4971% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.2554% | 2,482 |
| Net charge-offs to loans | 0.4967% | 3,007 |
| Credit loss provision to net charge-offs | 3.6304% | 6,051 |
| Earnings coverage of net charge-offs (x) | 3.2244% | 3,605 |
| Efficiency ratio | 82.6896% | 1,926 |
| Assets per employee ($millions) | 2.5814% | 6,749 |
| Cash dividends to net income (ytd only)* | 29.9003% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 1,349 |
| Loan loss allowance to noncurrent loans | 39.5103% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 4.0235% | 1,429 |
| Noncurrent loans to loans | 6.2638% | 775 |
| Net loans and leases to total assets | 49.2657% | 5,688 |
| Net loans and leases to deposits | 57.9805% | 5,698 |
| Net loans and leases to core deposits | 60.3889% | 5,809 |
| Total domestic deposits to total assets | 84.9694% | 3,867 |
| Equity capital to assets | 14.7347% | 837 |
| Core capital (leverage) ratio | 14.4637% | 724 |
| Tier 1 risk-based capital ratio | 27.7604% | 640 |
| Total risk-based capital ratio | 29.0250% | 629 |
| Memoranda: | ||
| Average total assets | $115,006,000 | 4,524 |
| Average earning assets | $102,911,200 | 4,563 |
| Average equity | $16,059,600 | 3,719 |
| Average total loans | $61,006,200 | 4,829 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9511% | 510 |
| Cost of funding earning assets | 1.2127% | 2,242 |
| Net interest margin | 4.7384% | 701 |
| Noninterest income to average assets | 0.6819% | 2,712 |
| Noninterest expense to average assets | 4.1064% | 892 |
| Loan and lease loss provision to assets | 0.0127% | 6,275 |
| Net operating income to assets | 0.6139% | 4,025 |
| Return on assets (ROA) | 0.6218% | 4,177 |
| Pretax return on assets | 0.8183% | 4,059 |
| Return on Equity (ROE) | 4.5141% | 4,761 |
| Retained earnings to average equity (ytd only) | 2.5004% | 4,872 |
| Net charge-offs to loans | 0.4781% | 2,823 |
| Credit loss provision to net charge-offs | 4.9550% | 5,705 |
| Earnings coverage of net charge-offs (x) | 3.1982% | 3,544 |
| Efficiency ratio | 83.3451% | 1,815 |
| Assets per employee ($millions) | 2.6737% | 6,689 |
| Cash dividends to net income (ytd only)* | 44.6091% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5711% | 1,306 |
| Loan loss allowance to noncurrent loans | 42.1629% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 4.1151% | 1,488 |
| Noncurrent loans to loans | 6.0980% | 906 |
| Net loans and leases to total assets | 49.4742% | 5,774 |
| Net loans and leases to deposits | 57.8850% | 5,850 |
| Net loans and leases to core deposits | 60.2219% | 5,975 |
| Total domestic deposits to total assets | 85.4697% | 3,518 |
| Equity capital to assets | 14.1127% | 1,119 |
| Core capital (leverage) ratio | 13.9046% | 920 |
| Tier 1 risk-based capital ratio | 26.4417% | 792 |
| Total risk-based capital ratio | 27.7070% | 765 |
| Memoranda: | ||
| Average total assets | $115,362,000 | 4,544 |
| Average earning assets | $103,350,750 | 4,591 |
| Average equity | $15,890,500 | 3,762 |
| Average total loans | $61,913,500 | 4,833 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 444 |
| Cost of funding earning assets | 1.2373% | 2,342 |
| Net interest margin | 4.8046% | 597 |
| Noninterest income to average assets | 0.7065% | 2,516 |
| Noninterest expense to average assets | 4.0868% | 929 |
| Loan and lease loss provision to assets | 0.0190% | 6,049 |
| Net operating income to assets | 0.6770% | 3,657 |
| Return on assets (ROA) | 0.6667% | 3,829 |
| Pretax return on assets | 0.8970% | 3,621 |
| Return on Equity (ROE) | 4.8799% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.8519% | 4,471 |
| Net charge-offs to loans | 0.3994% | 2,960 |
| Credit loss provision to net charge-offs | 8.7302% | 5,261 |
| Earnings coverage of net charge-offs (x) | 4.2619% | 2,913 |
| Efficiency ratio | 81.4636% | 2,177 |
| Assets per employee ($millions) | 2.4887% | 6,920 |
| Cash dividends to net income (ytd only)* | 41.5584% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6222% | 1,283 |
| Loan loss allowance to noncurrent loans | 42.7234% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 4.3711% | 1,447 |
| Noncurrent loans to loans | 6.1377% | 956 |
| Net loans and leases to total assets | 51.8038% | 5,598 |
| Net loans and leases to deposits | 60.5641% | 5,666 |
| Net loans and leases to core deposits | 63.0207% | 5,808 |
| Total domestic deposits to total assets | 85.5355% | 3,605 |
| Equity capital to assets | 14.0540% | 1,083 |
| Core capital (leverage) ratio | 13.7621% | 931 |
| Tier 1 risk-based capital ratio | 25.6100% | 841 |
| Total risk-based capital ratio | 26.8765% | 823 |
| Memoranda: | ||
| Average total assets | $115,493,670 | 4,574 |
| Average earning assets | $103,608,670 | 4,612 |
| Average equity | $15,779,000 | 3,769 |
| Average total loans | $63,091,330 | 4,828 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1580% | 355 |
| Cost of funding earning assets | 1.2577% | 2,454 |
| Net interest margin | 4.9003% | 466 |
| Noninterest income to average assets | 0.8069% | 2,002 |
| Noninterest expense to average assets | 4.1483% | 870 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7948% | 3,057 |
| Return on assets (ROA) | 0.7897% | 3,153 |
| Pretax return on assets | 1.0586% | 2,904 |
| Return on Equity (ROE) | 5.8628% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.8628% | 2,715 |
| Net charge-offs to loans | 0.6419% | 1,922 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,881 |
| Efficiency ratio | 79.5635% | 2,611 |
| Assets per employee ($millions) | 2.4168% | 7,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5662% | 1,360 |
| Loan loss allowance to noncurrent loans | 56.4958% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 3.6861% | 1,837 |
| Noncurrent loans to loans | 4.5423% | 1,534 |
| Net loans and leases to total assets | 52.6628% | 5,502 |
| Net loans and leases to deposits | 61.1895% | 5,600 |
| Net loans and leases to core deposits | 63.9596% | 5,735 |
| Total domestic deposits to total assets | 86.0651% | 3,488 |
| Equity capital to assets | 13.5564% | 1,162 |
| Core capital (leverage) ratio | 13.7491% | 904 |
| Tier 1 risk-based capital ratio | 24.6653% | 913 |
| Total risk-based capital ratio | 25.9313% | 889 |
| Memoranda: | ||
| Average total assets | $116,000,500 | 4,590 |
| Average earning assets | $104,319,500 | 4,632 |
| Average equity | $15,624,000 | 3,792 |
| Average total loans | $64,186,000 | 4,831 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6453% | 254 |
| Cost of funding earning assets | 1.5590% | 2,308 |
| Net interest margin | 5.0864% | 364 |
| Noninterest income to average assets | 0.9434% | 1,689 |
| Noninterest expense to average assets | 3.9781% | 1,193 |
| Loan and lease loss provision to assets | 0.4335% | 3,519 |
| Net operating income to assets | 0.7612% | 2,953 |
| Return on assets (ROA) | 0.7821% | 3,005 |
| Pretax return on assets | 1.0726% | 2,692 |
| Return on Equity (ROE) | 5.8040% | 3,699 |
| Retained earnings to average equity (ytd only) | 2.7154% | 3,956 |
| Net charge-offs to loans | 0.8050% | 2,621 |
| Credit loss provision to net charge-offs | 94.6970% | 4,907 |
| Earnings coverage of net charge-offs (x) | 3.2273% | 3,463 |
| Efficiency ratio | 72.9180% | 3,612 |
| Assets per employee ($millions) | 2.4680% | 7,056 |
| Cash dividends to net income (ytd only)* | 53.2151% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6069% | 1,286 |
| Loan loss allowance to noncurrent loans | 54.5918% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.8777% | 1,758 |
| Noncurrent loans to loans | 4.7752% | 1,447 |
| Net loans and leases to total assets | 55.1394% | 5,466 |
| Net loans and leases to deposits | 63.8648% | 5,644 |
| Net loans and leases to core deposits | 66.6833% | 5,813 |
| Total domestic deposits to total assets | 86.3376% | 3,175 |
| Equity capital to assets | 13.3814% | 1,226 |
| Core capital (leverage) ratio | 13.2342% | 1,053 |
| Tier 1 risk-based capital ratio | 23.5119% | 982 |
| Total risk-based capital ratio | 24.7781% | 960 |
| Memoranda: | ||
| Average total assets | $115,330,600 | 4,585 |
| Average earning assets | $102,312,400 | 4,662 |
| Average equity | $15,541,000 | 3,856 |
| Average total loans | $65,590,400 | 4,842 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6318% | 267 |
| Cost of funding earning assets | 1.6050% | 2,363 |
| Net interest margin | 5.0268% | 409 |
| Noninterest income to average assets | 0.8984% | 1,802 |
| Noninterest expense to average assets | 3.9398% | 1,135 |
| Loan and lease loss provision to assets | 0.3705% | 3,673 |
| Net operating income to assets | 0.7700% | 3,131 |
| Return on assets (ROA) | 0.8000% | 3,153 |
| Pretax return on assets | 1.0779% | 2,902 |
| Return on Equity (ROE) | 5.9264% | 3,853 |
| Retained earnings to average equity (ytd only) | 3.8681% | 3,745 |
| Net charge-offs to loans | 0.6771% | 2,731 |
| Credit loss provision to net charge-offs | 96.0961% | 4,511 |
| Earnings coverage of net charge-offs (x) | 3.6516% | 3,353 |
| Efficiency ratio | 73.6740% | 3,385 |
| Assets per employee ($millions) | 2.4052% | 7,193 |
| Cash dividends to net income (ytd only)* | 34.7321% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6308% | 1,165 |
| Loan loss allowance to noncurrent loans | 47.7864% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 4.2560% | 1,608 |
| Noncurrent loans to loans | 5.5053% | 1,202 |
| Net loans and leases to total assets | 54.2344% | 5,816 |
| Net loans and leases to deposits | 63.0365% | 6,020 |
| Net loans and leases to core deposits | 66.0416% | 6,122 |
| Total domestic deposits to total assets | 86.0365% | 3,056 |
| Equity capital to assets | 13.5817% | 1,319 |
| Core capital (leverage) ratio | 13.7411% | 984 |
| Tier 1 risk-based capital ratio | 23.4325% | 1,012 |
| Total risk-based capital ratio | 24.6981% | 985 |
| Memoranda: | ||
| Average total assets | $115,164,000 | 4,653 |
| Average earning assets | $101,931,250 | 4,728 |
| Average equity | $15,545,750 | 3,891 |
| Average total loans | $65,570,000 | 4,920 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6134% | 284 |
| Cost of funding earning assets | 1.6405% | 2,433 |
| Net interest margin | 4.9729% | 447 |
| Noninterest income to average assets | 0.8489% | 1,888 |
| Noninterest expense to average assets | 3.8296% | 1,307 |
| Loan and lease loss provision to assets | 0.4376% | 3,124 |
| Net operating income to assets | 0.7438% | 3,223 |
| Return on assets (ROA) | 0.7824% | 3,196 |
| Pretax return on assets | 1.0309% | 3,002 |
| Return on Equity (ROE) | 5.8082% | 3,889 |
| Retained earnings to average equity (ytd only) | 3.7292% | 3,726 |
| Net charge-offs to loans | 0.6713% | 2,541 |
| Credit loss provision to net charge-offs | 113.6364% | 3,582 |
| Earnings coverage of net charge-offs (x) | 3.6818% | 3,216 |
| Efficiency ratio | 72.9820% | 3,663 |
| Assets per employee ($millions) | 2.4078% | 7,217 |
| Cash dividends to net income (ytd only)* | 35.7942% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7156% | 1,075 |
| Loan loss allowance to noncurrent loans | 52.9940% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 4.2194% | 1,596 |
| Noncurrent loans to loans | 5.1244% | 1,337 |
| Net loans and leases to total assets | 56.0305% | 5,696 |
| Net loans and leases to deposits | 65.2688% | 5,893 |
| Net loans and leases to core deposits | 68.1499% | 6,043 |
| Total domestic deposits to total assets | 85.8457% | 3,179 |
| Equity capital to assets | 13.8565% | 1,219 |
| Core capital (leverage) ratio | 13.7182% | 992 |
| Tier 1 risk-based capital ratio | 23.6488% | 982 |
| Total risk-based capital ratio | 24.9169% | 959 |
| Memoranda: | ||
| Average total assets | $114,266,330 | 4,695 |
| Average earning assets | $101,068,000 | 4,776 |
| Average equity | $15,392,000 | 3,913 |
| Average total loans | $65,544,670 | 4,959 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5221% | 345 |
| Cost of funding earning assets | 1.6710% | 2,533 |
| Net interest margin | 4.8511% | 579 |
| Noninterest income to average assets | 0.8466% | 1,825 |
| Noninterest expense to average assets | 3.9960% | 1,038 |
| Loan and lease loss provision to assets | 0.1742% | 4,779 |
| Net operating income to assets | 0.7503% | 3,208 |
| Return on assets (ROA) | 0.7943% | 3,102 |
| Pretax return on assets | 1.0103% | 3,053 |
| Return on Equity (ROE) | 5.9813% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.8826% | 3,813 |
| Net charge-offs to loans | 0.4503% | 2,698 |
| Credit loss provision to net charge-offs | 67.5676% | 4,153 |
| Earnings coverage of net charge-offs (x) | 4.3784% | 2,641 |
| Efficiency ratio | 77.9742% | 2,900 |
| Assets per employee ($millions) | 2.4876% | 7,215 |
| Cash dividends to net income (ytd only)* | 35.0877% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 1,150 |
| Loan loss allowance to noncurrent loans | 40.9938% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 4.8562% | 1,348 |
| Noncurrent loans to loans | 6.4003% | 985 |
| Net loans and leases to total assets | 55.6559% | 5,800 |
| Net loans and leases to deposits | 64.5088% | 6,002 |
| Net loans and leases to core deposits | 67.3366% | 6,173 |
| Total domestic deposits to total assets | 86.2763% | 2,996 |
| Equity capital to assets | 13.4082% | 1,360 |
| Core capital (leverage) ratio | 13.5468% | 1,074 |
| Tier 1 risk-based capital ratio | 23.1818% | 1,044 |
| Total risk-based capital ratio | 24.4480% | 1,029 |
| Memoranda: | ||
| Average total assets | $114,816,000 | 4,747 |
| Average earning assets | $101,255,500 | 4,844 |
| Average equity | $15,247,500 | 3,975 |
| Average total loans | $65,728,000 | 5,005 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0269% | 271 |
| Cost of funding earning assets | 2.0577% | 2,692 |
| Net interest margin | 4.9691% | 478 |
| Noninterest income to average assets | 0.8601% | 2,141 |
| Noninterest expense to average assets | 3.9845% | 1,385 |
| Loan and lease loss provision to assets | 0.3329% | 4,812 |
| Net operating income to assets | 0.7053% | 2,907 |
| Return on assets (ROA) | 0.7181% | 2,935 |
| Pretax return on assets | 0.9409% | 2,790 |
| Return on Equity (ROE) | 5.3857% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.1902% | 3,575 |
| Net charge-offs to loans | 0.7906% | 2,848 |
| Credit loss provision to net charge-offs | 71.7017% | 6,458 |
| Earnings coverage of net charge-offs (x) | 2.7075% | 3,751 |
| Efficiency ratio | 76.0203% | 3,525 |
| Assets per employee ($millions) | 2.4511% | 7,282 |
| Cash dividends to net income (ytd only)* | 59.3325% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6342% | 1,088 |
| Loan loss allowance to noncurrent loans | 45.3243% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 4.6388% | 1,379 |
| Noncurrent loans to loans | 5.8120% | 1,089 |
| Net loans and leases to total assets | 55.8263% | 5,975 |
| Net loans and leases to deposits | 64.4748% | 6,217 |
| Net loans and leases to core deposits | 83.8020% | 5,736 |
| Total domestic deposits to total assets | 86.5862% | 2,708 |
| Equity capital to assets | 13.1525% | 1,446 |
| Core capital (leverage) ratio | 13.4107% | 1,119 |
| Tier 1 risk-based capital ratio | 22.7333% | 1,070 |
| Total risk-based capital ratio | 24.0003% | 1,048 |
| Memoranda: | ||
| Average total assets | $112,660,800 | 4,766 |
| Average earning assets | $99,333,200 | 4,857 |
| Average equity | $15,021,200 | 4,052 |
| Average total loans | $66,153,600 | 5,012 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0918% | 265 |
| Cost of funding earning assets | 2.1263% | 2,765 |
| Net interest margin | 4.9654% | 480 |
| Noninterest income to average assets | 0.8653% | 2,125 |
| Noninterest expense to average assets | 3.9895% | 1,288 |
| Loan and lease loss provision to assets | 0.2380% | 5,064 |
| Net operating income to assets | 0.7750% | 2,919 |
| Return on assets (ROA) | 0.7796% | 2,957 |
| Pretax return on assets | 1.0295% | 2,808 |
| Return on Equity (ROE) | 5.8265% | 3,592 |
| Retained earnings to average equity (ytd only) | 2.9800% | 3,663 |
| Net charge-offs to loans | 0.7495% | 2,486 |
| Credit loss provision to net charge-offs | 53.7634% | 6,258 |
| Earnings coverage of net charge-offs (x) | 2.8495% | 3,798 |
| Efficiency ratio | 75.9746% | 3,521 |
| Assets per employee ($millions) | 2.4039% | 7,374 |
| Cash dividends to net income (ytd only)* | 48.8555% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5898% | 974 |
| Loan loss allowance to noncurrent loans | 42.1518% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 5.1053% | 1,143 |
| Noncurrent loans to loans | 6.1439% | 950 |
| Net loans and leases to total assets | 57.1291% | 6,019 |
| Net loans and leases to deposits | 66.4084% | 6,271 |
| Net loans and leases to core deposits | 86.0118% | 5,868 |
| Total domestic deposits to total assets | 86.0269% | 2,699 |
| Equity capital to assets | 13.6094% | 1,447 |
| Core capital (leverage) ratio | 13.6190% | 1,198 |
| Tier 1 risk-based capital ratio | 23.0178% | 1,106 |
| Total risk-based capital ratio | 24.2851% | 1,074 |
| Memoranda: | ||
| Average total assets | $112,025,500 | 4,807 |
| Average earning assets | $98,948,000 | 4,891 |
| Average equity | $14,988,500 | 4,097 |
| Average total loans | $66,178,750 | 5,057 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1618% | 250 |
| Cost of funding earning assets | 2.2304% | 2,663 |
| Net interest margin | 4.9314% | 505 |
| Noninterest income to average assets | 0.8236% | 2,298 |
| Noninterest expense to average assets | 3.9281% | 1,434 |
| Loan and lease loss provision to assets | 0.0859% | 6,314 |
| Net operating income to assets | 0.8954% | 2,473 |
| Return on assets (ROA) | 0.9024% | 2,548 |
| Pretax return on assets | 1.1530% | 2,452 |
| Return on Equity (ROE) | 6.7836% | 3,293 |
| Retained earnings to average equity (ytd only) | 3.5533% | 3,324 |
| Net charge-offs to loans | 0.5865% | 2,574 |
| Credit loss provision to net charge-offs | 24.7423% | 6,079 |
| Earnings coverage of net charge-offs (x) | 3.5412% | 3,400 |
| Efficiency ratio | 76.1541% | 3,662 |
| Assets per employee ($millions) | 2.2582% | 7,611 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6631% | 775 |
| Loan loss allowance to noncurrent loans | 42.1996% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 5.0598% | 1,040 |
| Noncurrent loans to loans | 6.3107% | 856 |
| Net loans and leases to total assets | 56.3914% | 6,166 |
| Net loans and leases to deposits | 65.2427% | 6,461 |
| Net loans and leases to core deposits | 82.9860% | 6,159 |
| Total domestic deposits to total assets | 86.4333% | 2,548 |
| Equity capital to assets | 13.2346% | 1,584 |
| Core capital (leverage) ratio | 13.5245% | 1,265 |
| Tier 1 risk-based capital ratio | 23.4472% | 1,098 |
| Total risk-based capital ratio | 24.7150% | 1,068 |
| Memoranda: | ||
| Average total assets | $111,707,000 | 4,833 |
| Average earning assets | $98,187,000 | 4,949 |
| Average equity | $14,859,330 | 4,133 |
| Average total loans | $66,151,330 | 5,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3222% | 216 |
| Cost of funding earning assets | 2.3043% | 2,682 |
| Net interest margin | 5.0179% | 383 |
| Noninterest income to average assets | 0.7956% | 2,351 |
| Noninterest expense to average assets | 3.9962% | 1,192 |
| Loan and lease loss provision to assets | 0.1728% | 4,738 |
| Net operating income to assets | 0.8280% | 3,010 |
| Return on assets (ROA) | 0.8280% | 3,161 |
| Pretax return on assets | 1.0404% | 3,201 |
| Return on Equity (ROE) | 6.2089% | 3,950 |
| Retained earnings to average equity (ytd only) | -0.2700% | 5,709 |
| Net charge-offs to loans | 1.7378% | 833 |
| Credit loss provision to net charge-offs | 16.6090% | 5,122 |
| Earnings coverage of net charge-offs (x) | 1.1661% | 4,171 |
| Efficiency ratio | 76.7104% | 3,365 |
| Assets per employee ($millions) | 2.2291% | 7,675 |
| Cash dividends to net income (ytd only)* | 104.3478% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5027% | 764 |
| Loan loss allowance to noncurrent loans | 46.1474% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 4.6386% | 1,018 |
| Noncurrent loans to loans | 5.4232% | 967 |
| Net loans and leases to total assets | 57.5685% | 6,012 |
| Net loans and leases to deposits | 66.7010% | 6,311 |
| Net loans and leases to core deposits | 84.6489% | 6,011 |
| Total domestic deposits to total assets | 86.3084% | 2,549 |
| Equity capital to assets | 13.3022% | 1,613 |
| Core capital (leverage) ratio | 13.4919% | 1,323 |
| Tier 1 risk-based capital ratio | 22.9426% | 1,202 |
| Total risk-based capital ratio | 24.2088% | 1,167 |
| Memoranda: | ||
| Average total assets | $111,106,000 | 4,876 |
| Average earning assets | $97,730,500 | 4,979 |
| Average equity | $14,817,500 | 4,170 |
| Average total loans | $66,520,500 | 5,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9234% | 213 |
| Cost of funding earning assets | 2.6041% | 3,668 |
| Net interest margin | 5.3193% | 275 |
| Noninterest income to average assets | 1.1191% | 1,249 |
| Noninterest expense to average assets | 3.8806% | 1,595 |
| Loan and lease loss provision to assets | 1.5533% | 858 |
| Net operating income to assets | 0.3406% | 5,394 |
| Return on assets (ROA) | 0.3597% | 5,115 |
| Pretax return on assets | 0.3597% | 5,358 |
| Return on Equity (ROE) | 2.7281% | 5,333 |
| Retained earnings to average equity (ytd only) | -1.1298% | 5,635 |
| Net charge-offs to loans | 0.8993% | 1,380 |
| Credit loss provision to net charge-offs | 274.4783% | 1,668 |
| Earnings coverage of net charge-offs (x) | 3.3467% | 4,410 |
| Efficiency ratio | 67.2015% | 4,875 |
| Assets per employee ($millions) | 2.2151% | 7,683 |
| Cash dividends to net income (ytd only)* | 141.4141% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8082% | 513 |
| Loan loss allowance to noncurrent loans | 56.0903% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 4.4963% | 833 |
| Noncurrent loans to loans | 5.0066% | 879 |
| Net loans and leases to total assets | 58.9967% | 6,055 |
| Net loans and leases to deposits | 68.3890% | 6,425 |
| Net loans and leases to core deposits | 88.6223% | 5,923 |
| Total domestic deposits to total assets | 86.2663% | 2,280 |
| Equity capital to assets | 13.3707% | 1,643 |
| Core capital (leverage) ratio | 13.7619% | 1,317 |
| Tier 1 risk-based capital ratio | 22.7893% | 1,218 |
| Total risk-based capital ratio | 24.0600% | 1,188 |
| Memoranda: | ||
| Average total assets | $110,086,400 | 4,781 |
| Average earning assets | $96,347,800 | 4,907 |
| Average equity | $14,515,800 | 4,235 |
| Average total loans | $69,278,200 | 4,902 |