Home > Bank of Pensacola > Performance and Condition Ratios
Bank of Pensacola, 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 | 2.8226% | 4,546 |
| Cost of funding earning assets | 0.6938% | 3,938 |
| Net interest margin | 2.1288% | 4,358 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.7387% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3986% | 3,876 |
| Return on assets (ROA) | 0.3790% | 3,909 |
| Pretax return on assets | 0.5031% | 3,802 |
| Return on Equity (ROE) | 4.4600% | 3,823 |
| Retained earnings to average equity (ytd only) | 2.4300% | 3,469 |
| Net charge-offs to loans | -0.0049% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.7102% | 1,188 |
| Assets per employee ($millions) | 10.5094% | 616 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 3,925 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 45.3000% | 3,848 |
| Net loans and leases to deposits | 49.5627% | 3,960 |
| Net loans and leases to core deposits | 53.9195% | 3,976 |
| Total domestic deposits to total assets | 91.3900% | 410 |
| Equity capital to assets | 8.5040% | 3,051 |
| Core capital (leverage) ratio | 8.7996% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2722% | 667 |
| Memoranda: | ||
| Average total assets | $145,111,000 | 3,410 |
| Average earning assets | $141,113,000 | 3,334 |
| Average equity | $12,345,600 | 3,497 |
| Average total loans | $61,765,400 | 3,683 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7770% | 4,564 |
| Cost of funding earning assets | 0.6072% | 3,959 |
| Net interest margin | 2.1698% | 4,369 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.7150% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4505% | 3,867 |
| Return on assets (ROA) | 0.4352% | 3,902 |
| Pretax return on assets | 0.5726% | 3,785 |
| Return on Equity (ROE) | 5.1100% | 3,792 |
| Retained earnings to average equity (ytd only) | 2.4057% | 3,648 |
| Net charge-offs to loans | -0.0088% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.3405% | 1,334 |
| Assets per employee ($millions) | 10.0809% | 647 |
| Cash dividends to net income (ytd only)* | 52.9661% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 3,813 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.1800% | 3,907 |
| Net loans and leases to deposits | 49.2854% | 3,964 |
| Net loans and leases to core deposits | 53.8718% | 3,937 |
| Total domestic deposits to total assets | 89.6400% | 1,032 |
| Equity capital to assets | 8.8102% | 2,532 |
| Core capital (leverage) ratio | 8.7221% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6646% | 577 |
| Memoranda: | ||
| Average total assets | $144,606,000 | 3,418 |
| Average earning assets | $140,530,250 | 3,352 |
| Average equity | $12,304,000 | 3,500 |
| Average total loans | $60,408,500 | 3,710 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7086% | 4,597 |
| Cost of funding earning assets | 0.4369% | 4,104 |
| Net interest margin | 2.2718% | 4,378 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.6685% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5634% | 3,670 |
| Return on assets (ROA) | 0.5406% | 3,733 |
| Pretax return on assets | 0.7066% | 3,587 |
| Return on Equity (ROE) | 6.4300% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.3490% | 3,631 |
| Net charge-offs to loans | -0.0134% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.4064% | 1,821 |
| Assets per employee ($millions) | 12.0428% | 372 |
| Cash dividends to net income (ytd only)* | 63.4518% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 3,850 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.2100% | 3,917 |
| Net loans and leases to deposits | 49.5788% | 3,935 |
| Net loans and leases to core deposits | 54.3099% | 3,881 |
| Total domestic deposits to total assets | 87.1500% | 1,881 |
| Equity capital to assets | 8.5500% | 2,823 |
| Core capital (leverage) ratio | 8.6522% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8636% | 647 |
| Memoranda: | ||
| Average total assets | $145,764,000 | 3,419 |
| Average earning assets | $141,916,333 | 3,340 |
| Average equity | $12,260,667 | 3,513 |
| Average total loans | $59,578,667 | 3,728 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6207% | 4,630 |
| Cost of funding earning assets | 0.2750% | 4,243 |
| Net interest margin | 2.3457% | 4,421 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.5766% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6945% | 3,487 |
| Return on assets (ROA) | 0.6858% | 3,455 |
| Pretax return on assets | 0.8880% | 3,273 |
| Return on Equity (ROE) | 8.2200% | 3,239 |
| Retained earnings to average equity (ytd only) | 0.0328% | 4,010 |
| Net charge-offs to loans | -0.0207% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6865% | 2,501 |
| Assets per employee ($millions) | 13.4639% | 278 |
| Cash dividends to net income (ytd only)* | 99.6016% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 3,810 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 40.0700% | 4,036 |
| Net loans and leases to deposits | 43.7653% | 4,105 |
| Net loans and leases to core deposits | 47.5990% | 4,061 |
| Total domestic deposits to total assets | 91.5600% | 634 |
| Equity capital to assets | 8.2470% | 3,080 |
| Core capital (leverage) ratio | 8.4035% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4793% | 410 |
| Memoranda: | ||
| Average total assets | $146,389,000 | 3,463 |
| Average earning assets | $142,558,500 | 3,381 |
| Average equity | $12,213,000 | 3,554 |
| Average total loans | $57,870,500 | 3,794 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1734% | 4,581 |
| Cost of funding earning assets | 0.2687% | 3,168 |
| Net interest margin | 1.9047% | 4,583 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.4107% | 4,503 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4654% | 4,142 |
| Return on assets (ROA) | 0.4654% | 4,101 |
| Pretax return on assets | 0.5687% | 4,080 |
| Return on Equity (ROE) | 5.5900% | 3,911 |
| Retained earnings to average equity (ytd only) | -3.6146% | 4,542 |
| Net charge-offs to loans | 0.0100% | 1,997 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 685 |
| Efficiency ratio | 69.8834% | 1,701 |
| Assets per employee ($millions) | 13.1523% | 296 |
| Cash dividends to net income (ytd only)* | 164.6067% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,481 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 38.2200% | 4,134 |
| Net loans and leases to deposits | 41.8333% | 4,185 |
| Net loans and leases to core deposits | 45.5734% | 4,134 |
| Total domestic deposits to total assets | 91.3700% | 819 |
| Equity capital to assets | 8.4410% | 2,748 |
| Core capital (leverage) ratio | 8.4953% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2968% | 296 |
| Memoranda: | ||
| Average total assets | $152,979,000 | 3,414 |
| Average earning assets | $147,002,600 | 3,353 |
| Average equity | $12,726,000 | 3,596 |
| Average total loans | $50,051,600 | 3,886 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0548% | 4,600 |
| Cost of funding earning assets | 0.2701% | 2,486 |
| Net interest margin | 1.7847% | 4,605 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.3758% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3921% | 4,254 |
| Return on assets (ROA) | 0.3921% | 4,200 |
| Pretax return on assets | 0.5177% | 4,121 |
| Return on Equity (ROE) | 4.7300% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.5016% | 3,285 |
| Net charge-offs to loans | 0.0137% | 1,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 120.4000% | 844 |
| Efficiency ratio | 72.6612% | 1,424 |
| Assets per employee ($millions) | 12.3073% | 349 |
| Cash dividends to net income (ytd only)* | 4.8246% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 3,736 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 34.6700% | 4,282 |
| Net loans and leases to deposits | 38.1386% | 4,298 |
| Net loans and leases to core deposits | 41.6654% | 4,232 |
| Total domestic deposits to total assets | 90.9100% | 1,276 |
| Equity capital to assets | 8.8742% | 2,300 |
| Core capital (leverage) ratio | 8.8174% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3715% | 232 |
| Memoranda: | ||
| Average total assets | $155,055,000 | 3,419 |
| Average earning assets | $148,593,000 | 3,361 |
| Average equity | $12,854,500 | 3,624 |
| Average total loans | $48,602,500 | 3,934 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9037% | 4,645 |
| Cost of funding earning assets | 0.2699% | 2,030 |
| Net interest margin | 1.6338% | 4,668 |
| Noninterest income to average assets | 0.1778% | 4,116 |
| Noninterest expense to average assets | 1.3345% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3174% | 4,256 |
| Return on assets (ROA) | 0.3174% | 4,204 |
| Pretax return on assets | 0.4114% | 4,141 |
| Return on Equity (ROE) | 3.9152% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.5707% | 3,248 |
| Net charge-offs to loans | 0.0084% | 1,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 604 |
| Efficiency ratio | 76.4364% | 1,231 |
| Assets per employee ($millions) | 14.3826% | 222 |
| Cash dividends to net income (ytd only)* | 8.8000% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 29.5040% | 4,477 |
| Net loans and leases to deposits | 32.2008% | 4,494 |
| Net loans and leases to core deposits | 35.2178% | 4,457 |
| Total domestic deposits to total assets | 91.6250% | 994 |
| Equity capital to assets | 8.1538% | 3,005 |
| Core capital (leverage) ratio | 8.1815% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2334% | 169 |
| Memoranda: | ||
| Average total assets | $157,511,000 | 3,432 |
| Average earning assets | $151,178,000 | 3,387 |
| Average equity | $12,770,667 | 3,703 |
| Average total loans | $47,573,667 | 4,002 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8055% | 4,664 |
| Cost of funding earning assets | 0.2564% | 2,079 |
| Net interest margin | 1.5491% | 4,686 |
| Noninterest income to average assets | 0.1731% | 4,130 |
| Noninterest expense to average assets | 1.3591% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2316% | 4,280 |
| Return on assets (ROA) | 0.2316% | 4,247 |
| Pretax return on assets | 0.3054% | 4,180 |
| Return on Equity (ROE) | 2.8648% | 4,121 |
| Retained earnings to average equity (ytd only) | 2.1722% | 3,499 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6514% | 1,014 |
| Assets per employee ($millions) | 14.2293% | 238 |
| Cash dividends to net income (ytd only)* | 24.1758% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 27.8881% | 4,512 |
| Net loans and leases to deposits | 30.4326% | 4,539 |
| Net loans and leases to core deposits | 33.8974% | 4,481 |
| Total domestic deposits to total assets | 91.6389% | 734 |
| Equity capital to assets | 8.1394% | 3,458 |
| Core capital (leverage) ratio | 8.3812% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,162,000 | 3,447 |
| Average earning assets | $151,316,500 | 3,395 |
| Average equity | $12,706,000 | 3,789 |
| Average total loans | $47,777,000 | 4,013 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3060% | 4,586 |
| Cost of funding earning assets | 0.2943% | 2,455 |
| Net interest margin | 2.0117% | 4,596 |
| Noninterest income to average assets | 0.2294% | 4,005 |
| Noninterest expense to average assets | 1.4897% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4961% | 4,096 |
| Return on assets (ROA) | 0.4961% | 4,140 |
| Pretax return on assets | 0.6649% | 4,003 |
| Return on Equity (ROE) | 5.3785% | 3,914 |
| Retained earnings to average equity (ytd only) | 5.3785% | 2,632 |
| Net charge-offs to loans | -0.0019% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1401% | 1,842 |
| Assets per employee ($millions) | 13.1502% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 3,915 |
| Loan loss allowance to noncurrent loans | 419.6581% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,435 |
| Noncurrent loans to loans | 0.2276% | 2,816 |
| Net loans and leases to total assets | 32.2689% | 4,438 |
| Net loans and leases to deposits | 35.1044% | 4,500 |
| Net loans and leases to core deposits | 39.1860% | 4,416 |
| Total domestic deposits to total assets | 91.9228% | 199 |
| Equity capital to assets | 8.0303% | 4,345 |
| Core capital (leverage) ratio | 8.7652% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,849,600 | 3,640 |
| Average earning assets | $128,101,000 | 3,597 |
| Average equity | $12,345,400 | 3,896 |
| Average total loans | $51,539,000 | 3,968 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5125% | 4,560 |
| Cost of funding earning assets | 0.3057% | 2,537 |
| Net interest margin | 2.2068% | 4,567 |
| Noninterest income to average assets | 0.2409% | 3,957 |
| Noninterest expense to average assets | 1.5005% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6298% | 3,950 |
| Return on assets (ROA) | 0.6298% | 4,003 |
| Pretax return on assets | 0.8332% | 3,832 |
| Return on Equity (ROE) | 6.5666% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.5666% | 2,592 |
| Net charge-offs to loans | -0.0103% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2985% | 2,346 |
| Assets per employee ($millions) | 11.5024% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,854 |
| Loan loss allowance to noncurrent loans | 422.2222% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,532 |
| Noncurrent loans to loans | 0.2364% | 2,989 |
| Net loans and leases to total assets | 35.5027% | 4,411 |
| Net loans and leases to deposits | 39.1031% | 4,485 |
| Net loans and leases to core deposits | 43.4537% | 4,400 |
| Total domestic deposits to total assets | 90.7925% | 437 |
| Equity capital to assets | 9.1372% | 3,715 |
| Core capital (leverage) ratio | 9.4343% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,861,500 | 3,740 |
| Average earning assets | $121,256,000 | 3,708 |
| Average equity | $12,263,750 | 3,957 |
| Average total loans | $51,570,750 | 4,020 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3613% | 4,691 |
| Cost of funding earning assets | 0.3127% | 2,654 |
| Net interest margin | 2.0486% | 4,683 |
| Noninterest income to average assets | 0.2619% | 3,826 |
| Noninterest expense to average assets | 1.5377% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5077% | 4,204 |
| Return on assets (ROA) | 0.5077% | 4,248 |
| Pretax return on assets | 0.6716% | 4,122 |
| Return on Equity (ROE) | 5.2026% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.2026% | 3,117 |
| Net charge-offs to loans | 0.0077% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 484 |
| Efficiency ratio | 69.6000% | 1,693 |
| Assets per employee ($millions) | 11.0523% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 4,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 39.8023% | 4,294 |
| Net loans and leases to deposits | 44.0161% | 4,380 |
| Net loans and leases to core deposits | 48.3704% | 4,309 |
| Total domestic deposits to total assets | 90.4266% | 589 |
| Equity capital to assets | 9.2914% | 3,515 |
| Core capital (leverage) ratio | 9.6968% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,472,333 | 3,804 |
| Average earning assets | $118,323,667 | 3,755 |
| Average equity | $12,147,667 | 3,969 |
| Average total loans | $52,261,667 | 4,038 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3149% | 4,755 |
| Cost of funding earning assets | 0.3277% | 2,728 |
| Net interest margin | 1.9872% | 4,739 |
| Noninterest income to average assets | 0.2193% | 4,073 |
| Noninterest expense to average assets | 1.6446% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3522% | 4,446 |
| Return on assets (ROA) | 0.3522% | 4,474 |
| Pretax return on assets | 0.4685% | 4,398 |
| Return on Equity (ROE) | 3.5158% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,628 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8302% | 966 |
| Assets per employee ($millions) | 10.4591% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,132 |
| Loan loss allowance to noncurrent loans | 385.8268% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 3,678 |
| Noncurrent loans to loans | 0.2355% | 3,261 |
| Net loans and leases to total assets | 42.5858% | 4,194 |
| Net loans and leases to deposits | 47.2578% | 4,294 |
| Net loans and leases to core deposits | 51.1944% | 4,229 |
| Total domestic deposits to total assets | 90.1139% | 766 |
| Equity capital to assets | 9.6511% | 3,051 |
| Core capital (leverage) ratio | 10.2133% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,394,500 | 3,853 |
| Average earning assets | $114,732,500 | 3,800 |
| Average equity | $12,060,000 | 3,994 |
| Average total loans | $51,754,000 | 4,057 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8642% | 4,723 |
| Cost of funding earning assets | 0.3522% | 3,857 |
| Net interest margin | 2.5120% | 4,576 |
| Noninterest income to average assets | 0.2410% | 4,053 |
| Noninterest expense to average assets | 1.8840% | 4,349 |
| Loan and lease loss provision to assets | 0.0236% | 4,105 |
| Net operating income to assets | 0.5185% | 3,988 |
| Return on assets (ROA) | 0.5185% | 4,074 |
| Pretax return on assets | 0.7192% | 3,847 |
| Return on Equity (ROE) | 4.4963% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.4963% | 2,532 |
| Net charge-offs to loans | -0.0019% | 3,982 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7228% | 1,714 |
| Assets per employee ($millions) | 9.6067% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,916 |
| Loan loss allowance to noncurrent loans | 415.2542% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 3,797 |
| Noncurrent loans to loans | 0.2381% | 3,345 |
| Net loans and leases to total assets | 42.5737% | 4,319 |
| Net loans and leases to deposits | 47.5692% | 4,407 |
| Net loans and leases to core deposits | 52.0638% | 4,338 |
| Total domestic deposits to total assets | 89.4986% | 771 |
| Equity capital to assets | 10.4155% | 2,742 |
| Core capital (leverage) ratio | 10.6434% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,643,000 | 3,974 |
| Average earning assets | $96,536,000 | 3,933 |
| Average equity | $11,720,800 | 3,998 |
| Average total loans | $51,549,400 | 4,081 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7979% | 4,836 |
| Cost of funding earning assets | 0.3540% | 4,036 |
| Net interest margin | 2.4438% | 4,692 |
| Noninterest income to average assets | 0.2620% | 3,904 |
| Noninterest expense to average assets | 1.9002% | 4,324 |
| Loan and lease loss provision to assets | 0.0326% | 3,928 |
| Net operating income to assets | 0.4791% | 4,087 |
| Return on assets (ROA) | 0.4791% | 4,165 |
| Pretax return on assets | 0.6338% | 4,041 |
| Return on Equity (ROE) | 4.0402% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.0402% | 3,029 |
| Net charge-offs to loans | -0.0077% | 4,163 |
| Credit loss provision to net charge-offs | -800.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0349% | 1,402 |
| Assets per employee ($millions) | 9.5394% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,093 |
| Loan loss allowance to noncurrent loans | 416.1017% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 3,916 |
| Noncurrent loans to loans | 0.2149% | 3,522 |
| Net loans and leases to total assets | 47.5309% | 4,236 |
| Net loans and leases to deposits | 53.1597% | 4,369 |
| Net loans and leases to core deposits | 58.0497% | 4,303 |
| Total domestic deposits to total assets | 89.4115% | 610 |
| Equity capital to assets | 10.3361% | 2,933 |
| Core capital (leverage) ratio | 11.3972% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,233,750 | 4,013 |
| Average earning assets | $92,640,000 | 3,990 |
| Average equity | $11,649,250 | 4,019 |
| Average total loans | $52,044,500 | 4,094 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9204% | 4,875 |
| Cost of funding earning assets | 0.3414% | 4,305 |
| Net interest margin | 2.5789% | 4,674 |
| Noninterest income to average assets | 0.2844% | 3,760 |
| Noninterest expense to average assets | 2.0297% | 4,172 |
| Loan and lease loss provision to assets | 0.0517% | 3,659 |
| Net operating income to assets | 0.4870% | 4,050 |
| Return on assets (ROA) | 0.4870% | 4,123 |
| Pretax return on assets | 0.6443% | 3,981 |
| Return on Equity (ROE) | 3.9005% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.9005% | 2,955 |
| Net charge-offs to loans | -0.0117% | 4,245 |
| Credit loss provision to net charge-offs | -800.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4664% | 1,421 |
| Assets per employee ($millions) | 8.3503% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,059 |
| Loan loss allowance to noncurrent loans | 416.1017% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 3,949 |
| Noncurrent loans to loans | 0.2127% | 3,620 |
| Net loans and leases to total assets | 54.8686% | 3,799 |
| Net loans and leases to deposits | 62.4099% | 3,980 |
| Net loans and leases to core deposits | 68.7130% | 3,815 |
| Total domestic deposits to total assets | 87.9165% | 1,226 |
| Equity capital to assets | 11.6823% | 1,841 |
| Core capital (leverage) ratio | 12.1855% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,820,667 | 4,086 |
| Average earning assets | $87,865,333 | 4,055 |
| Average equity | $11,588,333 | 4,035 |
| Average total loans | $51,092,333 | 4,115 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0077% | 4,952 |
| Cost of funding earning assets | 0.3310% | 4,570 |
| Net interest margin | 2.6767% | 4,686 |
| Noninterest income to average assets | 0.3231% | 3,587 |
| Noninterest expense to average assets | 2.1811% | 4,057 |
| Loan and lease loss provision to assets | 0.1077% | 2,331 |
| Net operating income to assets | 0.4443% | 4,038 |
| Return on assets (ROA) | 0.4443% | 4,083 |
| Pretax return on assets | 0.5744% | 3,968 |
| Return on Equity (ROE) | 3.4347% | 4,109 |
| Retained earnings to average equity (ytd only) | 3.4347% | 2,912 |
| Net charge-offs to loans | -0.0245% | 4,405 |
| Credit loss provision to net charge-offs | -800.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1755% | 1,547 |
| Assets per employee ($millions) | 7.4447% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,715 |
| Loan loss allowance to noncurrent loans | 443.2432% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,010 |
| Noncurrent loans to loans | 0.2257% | 3,673 |
| Net loans and leases to total assets | 54.5055% | 3,943 |
| Net loans and leases to deposits | 62.6849% | 4,066 |
| Net loans and leases to core deposits | 69.6460% | 3,900 |
| Total domestic deposits to total assets | 86.9515% | 1,580 |
| Equity capital to assets | 12.9612% | 1,447 |
| Core capital (leverage) ratio | 13.6996% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,129,500 | 4,133 |
| Average earning assets | $84,582,500 | 4,098 |
| Average equity | $11,529,500 | 4,063 |
| Average total loans | $48,903,000 | 4,176 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8842% | 5,078 |
| Cost of funding earning assets | 0.3045% | 4,716 |
| Net interest margin | 2.5796% | 4,925 |
| Noninterest income to average assets | 0.4174% | 3,196 |
| Noninterest expense to average assets | 2.4040% | 3,683 |
| Loan and lease loss provision to assets | 0.1145% | 1,843 |
| Net operating income to assets | 0.2637% | 4,785 |
| Return on assets (ROA) | 0.2683% | 4,804 |
| Pretax return on assets | 0.4024% | 4,706 |
| Return on Equity (ROE) | 2.0503% | 4,791 |
| Retained earnings to average equity (ytd only) | 2.0503% | 3,973 |
| Net charge-offs to loans | 0.0161% | 3,142 |
| Credit loss provision to net charge-offs | 1,414.2857% | 252 |
| Earnings coverage of net charge-offs (x) | 63.1429% | 952 |
| Efficiency ratio | 82.4673% | 772 |
| Assets per employee ($millions) | 6.8402% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 3,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 54.1547% | 4,064 |
| Net loans and leases to deposits | 62.2114% | 4,182 |
| Net loans and leases to core deposits | 68.9035% | 4,030 |
| Total domestic deposits to total assets | 87.0495% | 1,582 |
| Equity capital to assets | 12.9100% | 1,575 |
| Core capital (leverage) ratio | 13.5990% | 1,025 |
| Tier 1 risk-based capital ratio | 27.8047% | 573 |
| Total risk-based capital ratio | 28.9309% | 566 |
| Memoranda: | ||
| Average total assets | $86,481,800 | 4,195 |
| Average earning assets | $83,733,400 | 4,130 |
| Average equity | $11,315,200 | 4,079 |
| Average total loans | $43,586,400 | 4,318 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 5,176 |
| Cost of funding earning assets | 0.2951% | 4,807 |
| Net interest margin | 2.5659% | 5,024 |
| Noninterest income to average assets | 0.4301% | 3,145 |
| Noninterest expense to average assets | 2.4548% | 3,553 |
| Loan and lease loss provision to assets | 0.1133% | 1,718 |
| Net operating income to assets | 0.2578% | 4,893 |
| Return on assets (ROA) | 0.2640% | 4,904 |
| Pretax return on assets | 0.3540% | 4,855 |
| Return on Equity (ROE) | 2.0105% | 4,894 |
| Retained earnings to average equity (ytd only) | 2.0105% | 4,264 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2302% | 599 |
| Assets per employee ($millions) | 7.2279% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 53.1262% | 4,244 |
| Net loans and leases to deposits | 61.1882% | 4,335 |
| Net loans and leases to core deposits | 67.6488% | 4,188 |
| Total domestic deposits to total assets | 86.8242% | 1,606 |
| Equity capital to assets | 13.1631% | 1,533 |
| Core capital (leverage) ratio | 13.9172% | 1,006 |
| Tier 1 risk-based capital ratio | 28.2361% | 556 |
| Total risk-based capital ratio | 29.3367% | 551 |
| Memoranda: | ||
| Average total assets | $85,871,500 | 4,257 |
| Average earning assets | $83,139,500 | 4,191 |
| Average equity | $11,274,000 | 4,124 |
| Average total loans | $42,327,750 | 4,409 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9153% | 5,226 |
| Cost of funding earning assets | 0.2955% | 4,838 |
| Net interest margin | 2.6197% | 5,060 |
| Noninterest income to average assets | 0.4277% | 3,084 |
| Noninterest expense to average assets | 2.4444% | 3,625 |
| Loan and lease loss provision to assets | 0.1145% | 1,637 |
| Net operating income to assets | 0.2342% | 4,958 |
| Return on assets (ROA) | 0.2360% | 4,969 |
| Pretax return on assets | 0.3155% | 4,916 |
| Return on Equity (ROE) | 1.7993% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.7993% | 4,176 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1098% | 588 |
| Assets per employee ($millions) | 6.8078% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 48.8803% | 4,530 |
| Net loans and leases to deposits | 56.0980% | 4,589 |
| Net loans and leases to core deposits | 61.8362% | 4,508 |
| Total domestic deposits to total assets | 87.1336% | 1,529 |
| Equity capital to assets | 12.8189% | 1,681 |
| Core capital (leverage) ratio | 13.6608% | 1,064 |
| Tier 1 risk-based capital ratio | 28.9390% | 522 |
| Total risk-based capital ratio | 30.0150% | 521 |
| Memoranda: | ||
| Average total assets | $85,583,670 | 4,290 |
| Average earning assets | $79,855,330 | 4,266 |
| Average equity | $11,226,330 | 4,142 |
| Average total loans | $40,929,000 | 4,477 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7980% | 5,308 |
| Cost of funding earning assets | 0.2655% | 4,938 |
| Net interest margin | 2.5324% | 5,177 |
| Noninterest income to average assets | 0.4184% | 3,065 |
| Noninterest expense to average assets | 2.5724% | 3,290 |
| Loan and lease loss provision to assets | 0.1189% | 1,475 |
| Net operating income to assets | 0.1331% | 5,068 |
| Return on assets (ROA) | 0.1331% | 5,074 |
| Pretax return on assets | 0.1759% | 5,049 |
| Return on Equity (ROE) | 1.0030% | 5,070 |
| Retained earnings to average equity (ytd only) | 1.0030% | 4,307 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7181% | 402 |
| Assets per employee ($millions) | 6.4830% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.3466% | 4,569 |
| Net loans and leases to deposits | 55.7668% | 4,608 |
| Net loans and leases to core deposits | 62.0258% | 4,474 |
| Total domestic deposits to total assets | 86.6942% | 1,963 |
| Equity capital to assets | 13.2904% | 1,296 |
| Core capital (leverage) ratio | 13.4139% | 1,113 |
| Tier 1 risk-based capital ratio | 29.6713% | 490 |
| Total risk-based capital ratio | 30.7186% | 486 |
| Memoranda: | ||
| Average total assets | $84,124,500 | 4,352 |
| Average earning assets | $81,344,500 | 4,288 |
| Average equity | $11,167,000 | 4,172 |
| Average total loans | $39,552,500 | 4,558 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6270% | 5,330 |
| Cost of funding earning assets | 0.2404% | 4,846 |
| Net interest margin | 2.3866% | 5,252 |
| Noninterest income to average assets | 0.4503% | 3,099 |
| Noninterest expense to average assets | 2.5296% | 3,527 |
| Loan and lease loss provision to assets | 0.0686% | 2,766 |
| Net operating income to assets | 0.1001% | 5,181 |
| Return on assets (ROA) | 0.0144% | 5,225 |
| Pretax return on assets | 0.0506% | 5,207 |
| Return on Equity (ROE) | 0.1084% | 5,225 |
| Retained earnings to average equity (ytd only) | 0.1084% | 4,957 |
| Net charge-offs to loans | 0.0172% | 3,112 |
| Credit loss provision to net charge-offs | 950.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,542 |
| Efficiency ratio | 91.7467% | 286 |
| Assets per employee ($millions) | 5.5980% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 44.7636% | 4,789 |
| Net loans and leases to deposits | 51.6177% | 4,832 |
| Net loans and leases to core deposits | 57.4038% | 4,720 |
| Total domestic deposits to total assets | 86.7214% | 1,907 |
| Equity capital to assets | 13.2583% | 1,231 |
| Core capital (leverage) ratio | 13.6084% | 1,039 |
| Tier 1 risk-based capital ratio | 31.6053% | 405 |
| Total risk-based capital ratio | 32.6533% | 411 |
| Memoranda: | ||
| Average total assets | $83,057,000 | 4,376 |
| Average earning assets | $80,283,000 | 4,312 |
| Average equity | $11,070,000 | 4,149 |
| Average total loans | $34,898,400 | 4,689 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5647% | 5,402 |
| Cost of funding earning assets | 0.2298% | 4,888 |
| Net interest margin | 2.3349% | 5,337 |
| Noninterest income to average assets | 0.4523% | 3,149 |
| Noninterest expense to average assets | 2.5160% | 3,540 |
| Loan and lease loss provision to assets | 0.0612% | 2,753 |
| Net operating income to assets | 0.1046% | 5,252 |
| Return on assets (ROA) | -0.0402% | 5,310 |
| Pretax return on assets | -0.0129% | 5,299 |
| Return on Equity (ROE) | -0.3015% | 5,308 |
| Retained earnings to average equity (ytd only) | -0.3015% | 5,075 |
| Net charge-offs to loans | 0.0156% | 2,869 |
| Credit loss provision to net charge-offs | 950.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 30.0188% | 1,609 |
| Efficiency ratio | 92.8699% | 261 |
| Assets per employee ($millions) | 5.6477% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 42.2482% | 4,949 |
| Net loans and leases to deposits | 48.5914% | 4,998 |
| Net loans and leases to core deposits | 52.5681% | 4,951 |
| Total domestic deposits to total assets | 86.9458% | 1,756 |
| Equity capital to assets | 13.0412% | 1,316 |
| Core capital (leverage) ratio | 13.7134% | 1,022 |
| Tier 1 risk-based capital ratio | 32.6365% | 376 |
| Total risk-based capital ratio | 33.6730% | 380 |
| Memoranda: | ||
| Average total assets | $82,828,750 | 4,425 |
| Average earning assets | $80,060,250 | 4,365 |
| Average equity | $11,054,250 | 4,190 |
| Average total loans | $34,132,750 | 4,763 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5148% | 5,470 |
| Cost of funding earning assets | 0.2115% | 4,969 |
| Net interest margin | 2.3033% | 5,415 |
| Noninterest income to average assets | 0.4745% | 3,009 |
| Noninterest expense to average assets | 2.5256% | 3,567 |
| Loan and lease loss provision to assets | 0.0657% | 2,586 |
| Net operating income to assets | 0.0900% | 5,300 |
| Return on assets (ROA) | -0.1290% | 5,381 |
| Pretax return on assets | -0.1095% | 5,375 |
| Return on Equity (ROE) | -0.9587% | 5,374 |
| Retained earnings to average equity (ytd only) | -0.9587% | 5,065 |
| Net charge-offs to loans | 0.0060% | 2,933 |
| Credit loss provision to net charge-offs | 2,700.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 892 |
| Efficiency ratio | 93.5135% | 273 |
| Assets per employee ($millions) | 5.5488% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 3,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 42.0631% | 4,982 |
| Net loans and leases to deposits | 48.5004% | 5,014 |
| Net loans and leases to core deposits | 52.7569% | 4,968 |
| Total domestic deposits to total assets | 86.7275% | 1,955 |
| Equity capital to assets | 13.2617% | 1,202 |
| Core capital (leverage) ratio | 13.9969% | 911 |
| Tier 1 risk-based capital ratio | 33.0936% | 370 |
| Total risk-based capital ratio | 34.1206% | 374 |
| Memoranda: | ||
| Average total assets | $82,199,670 | 4,478 |
| Average earning assets | $79,450,000 | 4,410 |
| Average equity | $11,056,330 | 4,225 |
| Average total loans | $33,461,330 | 4,821 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4316% | 5,545 |
| Cost of funding earning assets | 0.1672% | 5,176 |
| Net interest margin | 2.2645% | 5,485 |
| Noninterest income to average assets | 0.4799% | 2,938 |
| Noninterest expense to average assets | 2.5464% | 3,504 |
| Loan and lease loss provision to assets | 0.0637% | 2,500 |
| Net operating income to assets | 0.0588% | 5,351 |
| Return on assets (ROA) | -0.3771% | 5,478 |
| Pretax return on assets | -0.3771% | 5,480 |
| Return on Equity (ROE) | -2.7834% | 5,463 |
| Retained earnings to average equity (ytd only) | -2.7834% | 5,068 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4128% | 266 |
| Assets per employee ($millions) | 5.4017% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 41.4941% | 4,999 |
| Net loans and leases to deposits | 48.0410% | 5,038 |
| Net loans and leases to core deposits | 52.1782% | 4,975 |
| Total domestic deposits to total assets | 86.3723% | 2,371 |
| Equity capital to assets | 13.6092% | 1,015 |
| Core capital (leverage) ratio | 14.3393% | 796 |
| Tier 1 risk-based capital ratio | 34.5031% | 338 |
| Total risk-based capital ratio | 35.5389% | 336 |
| Memoranda: | ||
| Average total assets | $81,683,500 | 4,537 |
| Average earning assets | $78,959,500 | 4,466 |
| Average equity | $11,065,500 | 4,264 |
| Average total loans | $32,513,000 | 4,905 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3444% | 5,582 |
| Cost of funding earning assets | 0.1220% | 5,402 |
| Net interest margin | 2.2225% | 5,529 |
| Noninterest income to average assets | 0.4736% | 3,164 |
| Noninterest expense to average assets | 2.4703% | 3,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0940% | 5,267 |
| Return on assets (ROA) | 0.0940% | 5,270 |
| Pretax return on assets | 0.1499% | 5,354 |
| Return on Equity (ROE) | 0.7077% | 5,284 |
| Retained earnings to average equity (ytd only) | 0.7077% | 4,756 |
| Net charge-offs to loans | 0.0318% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,359 |
| Efficiency ratio | 94.2779% | 288 |
| Assets per employee ($millions) | 5.4894% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 37.3423% | 5,248 |
| Net loans and leases to deposits | 45.0659% | 5,213 |
| Net loans and leases to core deposits | 46.2912% | 5,230 |
| Total domestic deposits to total assets | 82.8615% | 3,607 |
| Equity capital to assets | 13.4854% | 1,072 |
| Core capital (leverage) ratio | 13.7393% | 903 |
| Tier 1 risk-based capital ratio | 37.9282% | 255 |
| Total risk-based capital ratio | 39.0151% | 251 |
| Memoranda: | ||
| Average total assets | $84,036,800 | 4,511 |
| Average earning assets | $81,170,600 | 4,441 |
| Average equity | $11,162,600 | 4,274 |
| Average total loans | $28,314,400 | 5,063 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3007% | 5,651 |
| Cost of funding earning assets | 0.1145% | 5,501 |
| Net interest margin | 2.1862% | 5,604 |
| Noninterest income to average assets | 0.4783% | 3,163 |
| Noninterest expense to average assets | 2.4547% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0837% | 5,457 |
| Return on assets (ROA) | 0.0837% | 5,468 |
| Pretax return on assets | 0.1342% | 5,436 |
| Return on Equity (ROE) | 0.6322% | 5,469 |
| Retained earnings to average equity (ytd only) | 0.6322% | 5,081 |
| Net charge-offs to loans | 0.0434% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 9.4442% | 2,692 |
| Efficiency ratio | 94.8171% | 271 |
| Assets per employee ($millions) | 5.7587% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 31.9874% | 5,455 |
| Net loans and leases to deposits | 36.7492% | 5,486 |
| Net loans and leases to core deposits | 37.6521% | 5,499 |
| Total domestic deposits to total assets | 87.0423% | 1,856 |
| Equity capital to assets | 12.9484% | 1,414 |
| Core capital (leverage) ratio | 13.7734% | 950 |
| Tier 1 risk-based capital ratio | 40.6372% | 215 |
| Total risk-based capital ratio | 41.8044% | 212 |
| Memoranda: | ||
| Average total assets | $84,460,750 | 4,551 |
| Average earning assets | $81,538,750 | 4,483 |
| Average equity | $11,177,250 | 4,317 |
| Average total loans | $27,625,500 | 5,132 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2936% | 5,703 |
| Cost of funding earning assets | 0.1162% | 5,530 |
| Net interest margin | 2.1774% | 5,653 |
| Noninterest income to average assets | 0.5106% | 2,956 |
| Noninterest expense to average assets | 2.4672% | 3,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0907% | 5,500 |
| Return on assets (ROA) | 0.0907% | 5,504 |
| Pretax return on assets | 0.1455% | 5,472 |
| Return on Equity (ROE) | 0.6801% | 5,505 |
| Retained earnings to average equity (ytd only) | 0.6801% | 4,927 |
| Net charge-offs to loans | 0.0727% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,744 |
| Efficiency ratio | 94.4292% | 297 |
| Assets per employee ($millions) | 5.1406% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 33.7726% | 5,453 |
| Net loans and leases to deposits | 39.1074% | 5,476 |
| Net loans and leases to core deposits | 40.1242% | 5,495 |
| Total domestic deposits to total assets | 86.3587% | 2,214 |
| Equity capital to assets | 13.6353% | 1,093 |
| Core capital (leverage) ratio | 14.1232% | 825 |
| Tier 1 risk-based capital ratio | 42.9426% | 183 |
| Total risk-based capital ratio | 44.1738% | 180 |
| Memoranda: | ||
| Average total assets | $83,820,670 | 4,594 |
| Average earning assets | $80,921,670 | 4,520 |
| Average equity | $11,174,670 | 4,328 |
| Average total loans | $27,516,330 | 5,179 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2719% | 5,773 |
| Cost of funding earning assets | 0.1175% | 5,577 |
| Net interest margin | 2.1544% | 5,723 |
| Noninterest income to average assets | 0.5059% | 2,942 |
| Noninterest expense to average assets | 2.4963% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0567% | 5,558 |
| Return on assets (ROA) | 0.0567% | 5,565 |
| Pretax return on assets | 0.0898% | 5,526 |
| Return on Equity (ROE) | 0.4303% | 5,575 |
| Retained earnings to average equity (ytd only) | 0.4303% | 4,822 |
| Net charge-offs to loans | 0.1175% | 1,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 2,599 |
| Efficiency ratio | 96.5265% | 303 |
| Assets per employee ($millions) | 5.8657% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 3,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.1773% | 5,535 |
| Net loans and leases to deposits | 37.2368% | 5,544 |
| Net loans and leases to core deposits | 38.2043% | 5,570 |
| Total domestic deposits to total assets | 86.4126% | 2,489 |
| Equity capital to assets | 13.5789% | 1,041 |
| Core capital (leverage) ratio | 13.6700% | 922 |
| Tier 1 risk-based capital ratio | 45.2392% | 168 |
| Total risk-based capital ratio | 46.4906% | 165 |
| Memoranda: | ||
| Average total assets | $84,606,000 | 4,627 |
| Average earning assets | $81,693,500 | 4,558 |
| Average equity | $11,154,500 | 4,355 |
| Average total loans | $27,225,000 | 5,236 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2399% | 5,814 |
| Cost of funding earning assets | 0.1209% | 5,610 |
| Net interest margin | 2.1190% | 5,782 |
| Noninterest income to average assets | 0.5437% | 2,955 |
| Noninterest expense to average assets | 2.6802% | 3,411 |
| Loan and lease loss provision to assets | 0.0802% | 2,757 |
| Net operating income to assets | -0.1146% | 5,691 |
| Return on assets (ROA) | -0.1146% | 5,702 |
| Pretax return on assets | -0.1859% | 5,716 |
| Return on Equity (ROE) | -0.8039% | 5,694 |
| Retained earnings to average equity (ytd only) | -0.8039% | 5,420 |
| Net charge-offs to loans | 0.0202% | 3,648 |
| Credit loss provision to net charge-offs | 1,260.0000% | 312 |
| Earnings coverage of net charge-offs (x) | -16.6000% | 4,250 |
| Efficiency ratio | 104.1048% | 180 |
| Assets per employee ($millions) | 6.2209% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 3,152 |
| Loan loss allowance to noncurrent loans | 16,550.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,435 |
| Noncurrent loans to loans | 0.0072% | 5,276 |
| Net loans and leases to total assets | 31.4288% | 5,612 |
| Net loans and leases to deposits | 36.0518% | 5,637 |
| Net loans and leases to core deposits | 36.9243% | 5,661 |
| Total domestic deposits to total assets | 87.1768% | 2,042 |
| Equity capital to assets | 12.8117% | 1,342 |
| Core capital (leverage) ratio | 13.2213% | 1,050 |
| Tier 1 risk-based capital ratio | 42.4146% | 196 |
| Total risk-based capital ratio | 43.6652% | 190 |
| Memoranda: | ||
| Average total assets | $78,537,600 | 4,753 |
| Average earning assets | $75,272,800 | 4,698 |
| Average equity | $11,195,000 | 4,397 |
| Average total loans | $24,766,000 | 5,361 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2424% | 5,883 |
| Cost of funding earning assets | 0.1187% | 5,682 |
| Net interest margin | 2.1237% | 5,846 |
| Noninterest income to average assets | 0.5724% | 2,798 |
| Noninterest expense to average assets | 2.7731% | 3,105 |
| Loan and lease loss provision to assets | 0.0559% | 3,132 |
| Net operating income to assets | -0.1414% | 5,775 |
| Return on assets (ROA) | -0.1414% | 5,791 |
| Pretax return on assets | -0.2269% | 5,801 |
| Return on Equity (ROE) | -0.9639% | 5,777 |
| Retained earnings to average equity (ytd only) | -0.9639% | 5,488 |
| Net charge-offs to loans | 0.0222% | 3,237 |
| Credit loss provision to net charge-offs | 800.0000% | 505 |
| Earnings coverage of net charge-offs (x) | -24.5141% | 3,934 |
| Efficiency ratio | 106.5728% | 150 |
| Assets per employee ($millions) | 4.9510% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 30.5726% | 5,704 |
| Net loans and leases to deposits | 35.2508% | 5,739 |
| Net loans and leases to core deposits | 36.1379% | 5,754 |
| Total domestic deposits to total assets | 86.7288% | 2,014 |
| Equity capital to assets | 13.2677% | 1,360 |
| Core capital (leverage) ratio | 14.1083% | 818 |
| Tier 1 risk-based capital ratio | 43.6245% | 189 |
| Total risk-based capital ratio | 44.7926% | 187 |
| Memoranda: | ||
| Average total assets | $76,399,000 | 4,837 |
| Average earning assets | $73,014,000 | 4,774 |
| Average equity | $11,204,250 | 4,437 |
| Average total loans | $24,031,750 | 5,445 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2981% | 5,956 |
| Cost of funding earning assets | 0.1166% | 5,770 |
| Net interest margin | 2.1815% | 5,906 |
| Noninterest income to average assets | 0.5988% | 2,624 |
| Noninterest expense to average assets | 2.8235% | 2,948 |
| Loan and lease loss provision to assets | 0.0867% | 2,411 |
| Net operating income to assets | -0.1490% | 5,837 |
| Return on assets (ROA) | -0.1490% | 5,851 |
| Pretax return on assets | -0.2330% | 5,864 |
| Return on Equity (ROE) | -0.9807% | 5,838 |
| Retained earnings to average equity (ytd only) | -0.9807% | 5,436 |
| Net charge-offs to loans | 0.0171% | 3,170 |
| Credit loss provision to net charge-offs | 1,600.0000% | 252 |
| Earnings coverage of net charge-offs (x) | -27.0000% | 3,666 |
| Efficiency ratio | 105.4656% | 177 |
| Assets per employee ($millions) | 4.6145% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 2,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 29.1449% | 5,798 |
| Net loans and leases to deposits | 34.0041% | 5,823 |
| Net loans and leases to core deposits | 34.9336% | 5,833 |
| Total domestic deposits to total assets | 85.7099% | 2,552 |
| Equity capital to assets | 14.2684% | 940 |
| Core capital (leverage) ratio | 15.2853% | 556 |
| Tier 1 risk-based capital ratio | 46.5289% | 162 |
| Total risk-based capital ratio | 47.7802% | 160 |
| Memoranda: | ||
| Average total assets | $73,809,670 | 4,937 |
| Average earning assets | $70,320,000 | 4,875 |
| Average equity | $11,216,670 | 4,445 |
| Average total loans | $23,364,670 | 5,523 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4213% | 5,990 |
| Cost of funding earning assets | 0.1122% | 5,857 |
| Net interest margin | 2.3091% | 5,927 |
| Noninterest income to average assets | 0.6211% | 2,410 |
| Noninterest expense to average assets | 2.9822% | 2,450 |
| Loan and lease loss provision to assets | 0.1790% | 1,133 |
| Net operating income to assets | -0.2182% | 5,893 |
| Return on assets (ROA) | -0.2182% | 5,900 |
| Pretax return on assets | -0.3525% | 5,926 |
| Return on Equity (ROE) | -1.3893% | 5,883 |
| Retained earnings to average equity (ytd only) | -1.3893% | 5,324 |
| Net charge-offs to loans | 0.0341% | 2,284 |
| Credit loss provision to net charge-offs | 1,600.0000% | 259 |
| Earnings coverage of net charge-offs (x) | -15.5000% | 3,071 |
| Efficiency ratio | 106.1753% | 194 |
| Assets per employee ($millions) | 4.3065% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 33.4804% | 5,733 |
| Net loans and leases to deposits | 39.5428% | 5,729 |
| Net loans and leases to core deposits | 41.1100% | 5,745 |
| Total domestic deposits to total assets | 84.6688% | 3,250 |
| Equity capital to assets | 15.3107% | 633 |
| Core capital (leverage) ratio | 16.1336% | 453 |
| Tier 1 risk-based capital ratio | 44.3710% | 186 |
| Total risk-based capital ratio | 45.5704% | 182 |
| Memoranda: | ||
| Average total assets | $71,491,500 | 5,041 |
| Average earning assets | $67,732,500 | 4,985 |
| Average equity | $11,228,500 | 4,466 |
| Average total loans | $23,464,000 | 5,571 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3898% | 6,033 |
| Cost of funding earning assets | 0.1173% | 5,891 |
| Net interest margin | 2.2724% | 5,959 |
| Noninterest income to average assets | 0.7341% | 2,049 |
| Noninterest expense to average assets | 3.2627% | 1,806 |
| Loan and lease loss provision to assets | 0.1231% | 1,948 |
| Net operating income to assets | -0.3706% | 6,011 |
| Return on assets (ROA) | -0.3706% | 6,019 |
| Pretax return on assets | -0.6010% | 6,057 |
| Return on Equity (ROE) | -2.2789% | 5,990 |
| Retained earnings to average equity (ytd only) | -2.2789% | 5,771 |
| Net charge-offs to loans | 0.0377% | 3,472 |
| Credit loss provision to net charge-offs | 1,075.0000% | 314 |
| Earnings coverage of net charge-offs (x) | -41.7500% | 4,449 |
| Efficiency ratio | 117.1634% | 100 |
| Assets per employee ($millions) | 4.1043% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 3,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 31.3029% | 5,853 |
| Net loans and leases to deposits | 37.3440% | 5,852 |
| Net loans and leases to core deposits | 38.4024% | 5,868 |
| Total domestic deposits to total assets | 83.8233% | 3,555 |
| Equity capital to assets | 16.1208% | 507 |
| Core capital (leverage) ratio | 16.3187% | 431 |
| Tier 1 risk-based capital ratio | 48.8258% | 135 |
| Total risk-based capital ratio | 50.0109% | 136 |
| Memoranda: | ||
| Average total assets | $69,881,200 | 5,095 |
| Average earning assets | $63,059,800 | 5,107 |
| Average equity | $11,365,200 | 4,412 |
| Average total loans | $21,233,200 | 5,673 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3686% | 6,130 |
| Cost of funding earning assets | 0.1175% | 5,988 |
| Net interest margin | 2.2511% | 6,059 |
| Noninterest income to average assets | 0.7591% | 1,985 |
| Noninterest expense to average assets | 3.2575% | 1,803 |
| Loan and lease loss provision to assets | 0.1449% | 1,509 |
| Net operating income to assets | -0.3891% | 6,112 |
| Return on assets (ROA) | -0.3891% | 6,123 |
| Pretax return on assets | -0.6332% | 6,149 |
| Return on Equity (ROE) | -2.3870% | 6,085 |
| Retained earnings to average equity (ytd only) | -2.3870% | 5,892 |
| Net charge-offs to loans | 0.0254% | 3,430 |
| Credit loss provision to net charge-offs | 1,900.0000% | 196 |
| Earnings coverage of net charge-offs (x) | -64.0375% | 4,172 |
| Efficiency ratio | 117.6309% | 104 |
| Assets per employee ($millions) | 4.2022% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 3,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 30.1678% | 5,966 |
| Net loans and leases to deposits | 35.8484% | 5,982 |
| Net loans and leases to core deposits | 36.8343% | 5,997 |
| Total domestic deposits to total assets | 84.1539% | 3,361 |
| Equity capital to assets | 15.8223% | 592 |
| Core capital (leverage) ratio | 16.6571% | 410 |
| Tier 1 risk-based capital ratio | 48.3055% | 152 |
| Total risk-based capital ratio | 49.4466% | 151 |
| Memoranda: | ||
| Average total assets | $69,908,250 | 5,161 |
| Average earning assets | $62,426,000 | 5,184 |
| Average equity | $11,394,500 | 4,462 |
| Average total loans | $21,013,000 | 5,749 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3496% | 6,211 |
| Cost of funding earning assets | 0.1183% | 6,052 |
| Net interest margin | 2.2314% | 6,133 |
| Noninterest income to average assets | 0.8098% | 1,736 |
| Noninterest expense to average assets | 3.3084% | 1,678 |
| Loan and lease loss provision to assets | 0.2190% | 866 |
| Net operating income to assets | -0.4323% | 6,172 |
| Return on assets (ROA) | -0.4323% | 6,185 |
| Pretax return on assets | -0.7061% | 6,217 |
| Return on Equity (ROE) | -2.6258% | 6,144 |
| Retained earnings to average equity (ytd only) | -2.6258% | 5,880 |
| Net charge-offs to loans | 0.0386% | 2,911 |
| Credit loss provision to net charge-offs | 1,900.0000% | 201 |
| Earnings coverage of net charge-offs (x) | -42.2500% | 3,878 |
| Efficiency ratio | 117.2625% | 119 |
| Assets per employee ($millions) | 4.1485% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 29.9246% | 6,040 |
| Net loans and leases to deposits | 35.6788% | 6,040 |
| Net loans and leases to core deposits | 36.9986% | 6,045 |
| Total domestic deposits to total assets | 83.8722% | 3,625 |
| Equity capital to assets | 16.1037% | 518 |
| Core capital (leverage) ratio | 16.8020% | 381 |
| Tier 1 risk-based capital ratio | 51.3798% | 136 |
| Total risk-based capital ratio | 52.5878% | 134 |
| Memoranda: | ||
| Average total assets | $69,398,670 | 5,232 |
| Average earning assets | $62,563,000 | 5,237 |
| Average equity | $11,425,000 | 4,481 |
| Average total loans | $20,744,670 | 5,817 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2882% | 6,289 |
| Cost of funding earning assets | 0.1157% | 6,133 |
| Net interest margin | 2.1726% | 6,219 |
| Noninterest income to average assets | 0.7380% | 1,975 |
| Noninterest expense to average assets | 3.2832% | 1,759 |
| Loan and lease loss provision to assets | 0.3080% | 458 |
| Net operating income to assets | -0.5578% | 6,260 |
| Return on assets (ROA) | -0.5578% | 6,269 |
| Pretax return on assets | -0.8891% | 6,302 |
| Return on Equity (ROE) | -3.3511% | 6,223 |
| Retained earnings to average equity (ytd only) | -3.3511% | 5,820 |
| Net charge-offs to loans | 0.0392% | 2,439 |
| Credit loss provision to net charge-offs | 2,650.0000% | 151 |
| Earnings coverage of net charge-offs (x) | -50.0000% | 3,276 |
| Efficiency ratio | 121.5054% | 118 |
| Assets per employee ($millions) | 4.0511% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.6398% | 6,049 |
| Net loans and leases to deposits | 36.7274% | 6,031 |
| Net loans and leases to core deposits | 38.1249% | 6,036 |
| Total domestic deposits to total assets | 83.4248% | 4,036 |
| Equity capital to assets | 16.5694% | 479 |
| Core capital (leverage) ratio | 17.7899% | 301 |
| Tier 1 risk-based capital ratio | 54.0089% | 130 |
| Total risk-based capital ratio | 55.1732% | 128 |
| Memoranda: | ||
| Average total assets | $68,836,000 | 5,289 |
| Average earning assets | $62,231,000 | 5,300 |
| Average equity | $11,459,000 | 4,514 |
| Average total loans | $20,431,500 | 5,878 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2810% | 6,386 |
| Cost of funding earning assets | 0.1124% | 6,292 |
| Net interest margin | 2.1686% | 6,319 |
| Noninterest income to average assets | 0.4400% | 3,903 |
| Noninterest expense to average assets | 3.6419% | 1,228 |
| Loan and lease loss provision to assets | 0.1311% | 1,999 |
| Net operating income to assets | -0.8769% | 6,358 |
| Return on assets (ROA) | -0.8769% | 6,358 |
| Pretax return on assets | -1.4059% | 6,410 |
| Return on Equity (ROE) | -4.7491% | 6,284 |
| Retained earnings to average equity (ytd only) | -4.7491% | 6,169 |
| Net charge-offs to loans | 0.0687% | 3,495 |
| Credit loss provision to net charge-offs | 763.6364% | 354 |
| Earnings coverage of net charge-offs (x) | -74.2727% | 4,954 |
| Efficiency ratio | 153.8563% | 49 |
| Assets per employee ($millions) | 4.3003% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 5,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 28.0812% | 6,233 |
| Net loans and leases to deposits | 33.7302% | 6,227 |
| Net loans and leases to core deposits | 34.8578% | 6,225 |
| Total domestic deposits to total assets | 83.2524% | 3,991 |
| Equity capital to assets | 16.7243% | 449 |
| Core capital (leverage) ratio | 18.2327% | 280 |
| Tier 1 risk-based capital ratio | 54.5226% | 113 |
| Total risk-based capital ratio | 55.4466% | 113 |
| Memoranda: | ||
| Average total assets | $64,087,000 | 5,443 |
| Average earning assets | $56,949,000 | 5,489 |
| Average equity | $11,833,800 | 4,391 |
| Average total loans | $16,020,800 | 6,126 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2708% | 6,468 |
| Cost of funding earning assets | 0.1109% | 6,374 |
| Net interest margin | 2.1599% | 6,408 |
| Noninterest income to average assets | 0.7630% | 2,039 |
| Noninterest expense to average assets | 3.5755% | 1,336 |
| Loan and lease loss provision to assets | 0.1526% | 1,626 |
| Net operating income to assets | -0.6655% | 6,414 |
| Return on assets (ROA) | -0.6655% | 6,413 |
| Pretax return on assets | -1.0661% | 6,458 |
| Return on Equity (ROE) | -3.5136% | 6,335 |
| Retained earnings to average equity (ytd only) | -3.5136% | 6,180 |
| Net charge-offs to loans | 0.0880% | 2,954 |
| Credit loss provision to net charge-offs | 720.0000% | 424 |
| Earnings coverage of net charge-offs (x) | -43.1095% | 4,673 |
| Efficiency ratio | 134.3153% | 85 |
| Assets per employee ($millions) | 4.0883% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 5,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 27.7197% | 6,322 |
| Net loans and leases to deposits | 33.8019% | 6,304 |
| Net loans and leases to core deposits | 35.0099% | 6,299 |
| Total domestic deposits to total assets | 82.0064% | 4,476 |
| Equity capital to assets | 17.9707% | 342 |
| Core capital (leverage) ratio | 19.0809% | 248 |
| Tier 1 risk-based capital ratio | 64.0495% | 81 |
| Total risk-based capital ratio | 65.0520% | 83 |
| Memoranda: | ||
| Average total assets | $62,907,750 | 5,538 |
| Average earning assets | $55,309,000 | 5,606 |
| Average equity | $11,915,500 | 4,401 |
| Average total loans | $15,147,000 | 6,229 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2341% | 6,544 |
| Cost of funding earning assets | 0.1099% | 6,447 |
| Net interest margin | 2.1242% | 6,486 |
| Noninterest income to average assets | 0.7668% | 1,975 |
| Noninterest expense to average assets | 3.6344% | 1,235 |
| Loan and lease loss provision to assets | 0.1289% | 1,915 |
| Net operating income to assets | -0.7056% | 6,486 |
| Return on assets (ROA) | -0.7056% | 6,483 |
| Pretax return on assets | -1.1277% | 6,524 |
| Return on Equity (ROE) | -3.6595% | 6,403 |
| Retained earnings to average equity (ytd only) | -3.6595% | 6,148 |
| Net charge-offs to loans | 0.0284% | 3,623 |
| Credit loss provision to net charge-offs | 2,000.0000% | 182 |
| Earnings coverage of net charge-offs (x) | -155.0000% | 4,367 |
| Efficiency ratio | 137.8973% | 72 |
| Assets per employee ($millions) | 4.0306% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 5,329 |
| Loan loss allowance to noncurrent loans | 800.0000% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 6,116 |
| Noncurrent loans to loans | 0.1254% | 5,645 |
| Net loans and leases to total assets | 24.4751% | 6,440 |
| Net loans and leases to deposits | 29.9928% | 6,426 |
| Net loans and leases to core deposits | 30.7812% | 6,438 |
| Total domestic deposits to total assets | 81.6033% | 4,781 |
| Equity capital to assets | 18.3749% | 304 |
| Core capital (leverage) ratio | 19.7211% | 209 |
| Tier 1 risk-based capital ratio | 73.3111% | 66 |
| Total risk-based capital ratio | 74.3009% | 65 |
| Memoranda: | ||
| Average total assets | $62,073,000 | 5,611 |
| Average earning assets | $54,608,670 | 5,674 |
| Average equity | $11,969,000 | 4,400 |
| Average total loans | $14,090,670 | 6,315 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1844% | 6,625 |
| Cost of funding earning assets | 0.1118% | 6,523 |
| Net interest margin | 2.0726% | 6,570 |
| Noninterest income to average assets | 0.6901% | 2,222 |
| Noninterest expense to average assets | 3.2597% | 2,046 |
| Loan and lease loss provision to assets | 0.0789% | 2,573 |
| Net operating income to assets | -0.5323% | 6,484 |
| Return on assets (ROA) | -0.5323% | 6,481 |
| Pretax return on assets | -0.8215% | 6,533 |
| Return on Equity (ROE) | -2.6936% | 6,391 |
| Retained earnings to average equity (ytd only) | -2.6936% | 5,930 |
| Net charge-offs to loans | 0.0304% | 2,977 |
| Credit loss provision to net charge-offs | 1,200.0000% | 268 |
| Earnings coverage of net charge-offs (x) | -113.0000% | 3,649 |
| Efficiency ratio | 129.5039% | 120 |
| Assets per employee ($millions) | 3.8816% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,525 |
| Loan loss allowance to noncurrent loans | 700.0000% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 6,202 |
| Noncurrent loans to loans | 0.1428% | 5,666 |
| Net loans and leases to total assets | 21.2109% | 6,557 |
| Net loans and leases to deposits | 26.3050% | 6,539 |
| Net loans and leases to core deposits | 27.0315% | 6,537 |
| Total domestic deposits to total assets | 80.6344% | 5,340 |
| Equity capital to assets | 19.3028% | 250 |
| Core capital (leverage) ratio | 20.5123% | 185 |
| Tier 1 risk-based capital ratio | 83.5110% | 62 |
| Total risk-based capital ratio | 84.4375% | 62 |
| Memoranda: | ||
| Average total assets | $60,864,500 | 5,688 |
| Average earning assets | $53,652,500 | 5,743 |
| Average equity | $12,028,500 | 4,414 |
| Average total loans | $13,164,000 | 6,415 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2894% | 6,673 |
| Cost of funding earning assets | 0.1117% | 6,646 |
| Net interest margin | 2.1777% | 6,587 |
| Noninterest income to average assets | 0.9039% | 1,666 |
| Noninterest expense to average assets | 3.4842% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4933% | 6,495 |
| Return on assets (ROA) | -0.4933% | 6,503 |
| Pretax return on assets | -0.6508% | 6,525 |
| Return on Equity (ROE) | -2.4823% | 6,398 |
| Retained earnings to average equity (ytd only) | -2.4823% | 6,219 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9668% | 160 |
| Assets per employee ($millions) | 3.7265% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 5,808 |
| Loan loss allowance to noncurrent loans | 610.0000% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,280 |
| Noncurrent loans to loans | 0.1536% | 5,736 |
| Net loans and leases to total assets | 21.6356% | 6,643 |
| Net loans and leases to deposits | 27.1791% | 6,622 |
| Net loans and leases to core deposits | 27.9711% | 6,626 |
| Total domestic deposits to total assets | 79.6039% | 5,531 |
| Equity capital to assets | 20.2418% | 200 |
| Core capital (leverage) ratio | 20.7393% | 167 |
| Tier 1 risk-based capital ratio | 83.9174% | 59 |
| Total risk-based capital ratio | 84.7657% | 58 |
| Memoranda: | ||
| Average total assets | $61,620,400 | 5,714 |
| Average earning assets | $54,599,400 | 5,743 |
| Average equity | $12,246,800 | 4,402 |
| Average total loans | $11,874,800 | 6,524 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2861% | 6,754 |
| Cost of funding earning assets | 0.1120% | 6,740 |
| Net interest margin | 2.1741% | 6,663 |
| Noninterest income to average assets | 1.0023% | 1,447 |
| Noninterest expense to average assets | 3.4470% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3778% | 6,558 |
| Return on assets (ROA) | -0.3778% | 6,569 |
| Pretax return on assets | -0.5280% | 6,609 |
| Return on Equity (ROE) | -1.9092% | 6,479 |
| Retained earnings to average equity (ytd only) | -1.9092% | 6,256 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0882% | 187 |
| Assets per employee ($millions) | 3.7972% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,594 |
| Loan loss allowance to noncurrent loans | 554.5455% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,364 |
| Noncurrent loans to loans | 0.1858% | 5,771 |
| Net loans and leases to total assets | 19.2889% | 6,761 |
| Net loans and leases to deposits | 24.1360% | 6,751 |
| Net loans and leases to core deposits | 24.8221% | 6,750 |
| Total domestic deposits to total assets | 79.9177% | 5,529 |
| Equity capital to assets | 20.0757% | 212 |
| Core capital (leverage) ratio | 20.8778% | 166 |
| Tier 1 risk-based capital ratio | 92.1990% | 48 |
| Total risk-based capital ratio | 93.1212% | 48 |
| Memoranda: | ||
| Average total assets | $62,119,500 | 5,763 |
| Average earning assets | $54,765,250 | 5,803 |
| Average equity | $12,291,250 | 4,435 |
| Average total loans | $11,588,000 | 6,606 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2792% | 6,803 |
| Cost of funding earning assets | 0.1084% | 6,808 |
| Net interest margin | 2.1708% | 6,699 |
| Noninterest income to average assets | 1.0260% | 1,450 |
| Noninterest expense to average assets | 3.3944% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3420% | 6,577 |
| Return on assets (ROA) | -0.3420% | 6,606 |
| Pretax return on assets | -0.4475% | 6,609 |
| Return on Equity (ROE) | -1.7366% | 6,508 |
| Retained earnings to average equity (ytd only) | -1.7366% | 6,159 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1844% | 221 |
| Assets per employee ($millions) | 3.8470% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 5,709 |
| Loan loss allowance to noncurrent loans | 554.5455% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 6,411 |
| Noncurrent loans to loans | 0.1858% | 5,852 |
| Net loans and leases to total assets | 19.0424% | 6,808 |
| Net loans and leases to deposits | 24.1650% | 6,801 |
| Net loans and leases to core deposits | 24.7112% | 6,803 |
| Total domestic deposits to total assets | 78.8017% | 5,834 |
| Equity capital to assets | 19.9279% | 213 |
| Core capital (leverage) ratio | 20.6631% | 158 |
| Tier 1 risk-based capital ratio | 90.8593% | 49 |
| Total risk-based capital ratio | 91.7630% | 49 |
| Memoranda: | ||
| Average total assets | $62,574,330 | 5,791 |
| Average earning assets | $55,370,330 | 5,809 |
| Average equity | $12,322,670 | 4,459 |
| Average total loans | $11,503,670 | 6,652 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2549% | 6,881 |
| Cost of funding earning assets | 0.1131% | 6,884 |
| Net interest margin | 2.1418% | 6,792 |
| Noninterest income to average assets | 0.9828% | 1,513 |
| Noninterest expense to average assets | 3.3669% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2790% | 6,562 |
| Return on assets (ROA) | -0.2790% | 6,598 |
| Pretax return on assets | -0.4629% | 6,662 |
| Return on Equity (ROE) | -1.4250% | 6,528 |
| Retained earnings to average equity (ytd only) | -1.4250% | 6,006 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9389% | 250 |
| Assets per employee ($millions) | 3.9654% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,825 |
| Loan loss allowance to noncurrent loans | 508.3333% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 6,492 |
| Noncurrent loans to loans | 0.2050% | 5,890 |
| Net loans and leases to total assets | 18.2625% | 6,886 |
| Net loans and leases to deposits | 22.6858% | 6,880 |
| Net loans and leases to core deposits | 23.1717% | 6,880 |
| Total domestic deposits to total assets | 80.5018% | 5,632 |
| Equity capital to assets | 19.4320% | 241 |
| Core capital (leverage) ratio | 20.5662% | 168 |
| Tier 1 risk-based capital ratio | 90.7144% | 51 |
| Total risk-based capital ratio | 91.6195% | 51 |
| Memoranda: | ||
| Average total assets | $63,085,500 | 5,833 |
| Average earning assets | $56,588,500 | 5,837 |
| Average equity | $12,351,000 | 4,504 |
| Average total loans | $11,334,000 | 6,725 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1381% | 6,980 |
| Cost of funding earning assets | 0.1260% | 6,965 |
| Net interest margin | 2.0121% | 6,931 |
| Noninterest income to average assets | 1.0066% | 1,518 |
| Noninterest expense to average assets | 3.4022% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3340% | 6,467 |
| Return on assets (ROA) | -0.3340% | 6,516 |
| Pretax return on assets | -0.5926% | 6,612 |
| Return on Equity (ROE) | -1.7143% | 6,438 |
| Retained earnings to average equity (ytd only) | -1.7143% | 6,121 |
| Net charge-offs to loans | 0.1056% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -47.2500% | 5,974 |
| Efficiency ratio | 121.0938% | 202 |
| Assets per employee ($millions) | 3.4847% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,497 |
| Loan loss allowance to noncurrent loans | 508.3333% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 6,559 |
| Noncurrent loans to loans | 0.2190% | 5,926 |
| Net loans and leases to total assets | 17.2773% | 6,961 |
| Net loans and leases to deposits | 21.5657% | 6,955 |
| Net loans and leases to core deposits | 22.7927% | 6,953 |
| Total domestic deposits to total assets | 80.1145% | 5,635 |
| Equity capital to assets | 19.7261% | 234 |
| Core capital (leverage) ratio | 19.0756% | 230 |
| Tier 1 risk-based capital ratio | 93.2334% | 54 |
| Total risk-based capital ratio | 94.1527% | 54 |
| Memoranda: | ||
| Average total assets | $63,782,000 | 5,826 |
| Average earning assets | $57,153,600 | 5,833 |
| Average equity | $12,425,000 | 4,475 |
| Average total loans | $7,578,800 | 6,932 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1170% | 7,094 |
| Cost of funding earning assets | 0.1311% | 7,072 |
| Net interest margin | 1.9858% | 7,042 |
| Noninterest income to average assets | 1.0076% | 1,484 |
| Noninterest expense to average assets | 3.5536% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4830% | 6,692 |
| Return on assets (ROA) | -0.4830% | 6,724 |
| Pretax return on assets | -0.7807% | 6,803 |
| Return on Equity (ROE) | -2.4870% | 6,601 |
| Retained earnings to average equity (ytd only) | -2.4870% | 6,445 |
| Net charge-offs to loans | 0.1386% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -53.5895% | 5,760 |
| Efficiency ratio | 128.1532% | 160 |
| Assets per employee ($millions) | 3.6191% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,240 |
| Loan loss allowance to noncurrent loans | 215.7895% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 6,512 |
| Noncurrent loans to loans | 0.5606% | 5,322 |
| Net loans and leases to total assets | 15.4182% | 7,075 |
| Net loans and leases to deposits | 19.0592% | 7,079 |
| Net loans and leases to core deposits | 19.4534% | 7,083 |
| Total domestic deposits to total assets | 80.8962% | 5,397 |
| Equity capital to assets | 18.9641% | 299 |
| Core capital (leverage) ratio | 19.5101% | 228 |
| Tier 1 risk-based capital ratio | 96.2824% | 53 |
| Total risk-based capital ratio | 97.2489% | 53 |
| Memoranda: | ||
| Average total assets | $64,046,500 | 5,879 |
| Average earning assets | $56,935,500 | 5,908 |
| Average equity | $12,438,000 | 4,518 |
| Average total loans | $6,733,750 | 7,054 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0372% | 7,172 |
| Cost of funding earning assets | 0.1295% | 7,150 |
| Net interest margin | 1.9077% | 7,128 |
| Noninterest income to average assets | 1.0427% | 1,340 |
| Noninterest expense to average assets | 3.7688% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.6219% | 6,787 |
| Return on assets (ROA) | -0.6219% | 6,814 |
| Pretax return on assets | -1.0144% | 6,900 |
| Return on Equity (ROE) | -3.1766% | 6,685 |
| Retained earnings to average equity (ytd only) | -3.1766% | 6,484 |
| Net charge-offs to loans | 0.2505% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -46.1429% | 5,495 |
| Efficiency ratio | 136.8301% | 133 |
| Assets per employee ($millions) | 3.0296% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 15.6442% | 7,137 |
| Net loans and leases to deposits | 19.4615% | 7,138 |
| Net loans and leases to core deposits | 19.8758% | 7,142 |
| Total domestic deposits to total assets | 80.3854% | 5,641 |
| Equity capital to assets | 19.4716% | 255 |
| Core capital (leverage) ratio | 20.3115% | 192 |
| Tier 1 risk-based capital ratio | 91.6815% | 50 |
| Total risk-based capital ratio | 92.5918% | 50 |
| Memoranda: | ||
| Average total assets | $63,680,670 | 5,926 |
| Average earning assets | $57,137,670 | 5,938 |
| Average equity | $12,466,000 | 4,511 |
| Average total loans | $5,589,330 | 7,140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9015% | 7,244 |
| Cost of funding earning assets | 0.1323% | 7,213 |
| Net interest margin | 1.7691% | 7,208 |
| Noninterest income to average assets | 1.0485% | 1,310 |
| Noninterest expense to average assets | 4.2756% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.0171% | 6,994 |
| Return on assets (ROA) | -1.0171% | 7,015 |
| Pretax return on assets | -1.6324% | 7,095 |
| Return on Equity (ROE) | -5.1819% | 6,857 |
| Retained earnings to average equity (ytd only) | -5.1819% | 6,592 |
| Net charge-offs to loans | 0.5977% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -52.0000% | 4,714 |
| Efficiency ratio | 161.7577% | 78 |
| Assets per employee ($millions) | 3.0093% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9148% | 397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 4.8548% | 7,258 |
| Net loans and leases to deposits | 6.0538% | 7,264 |
| Net loans and leases to core deposits | 6.1526% | 7,254 |
| Total domestic deposits to total assets | 80.1946% | 5,810 |
| Equity capital to assets | 19.6598% | 237 |
| Core capital (leverage) ratio | 20.3166% | 185 |
| Tier 1 risk-based capital ratio | 174.9859% | 30 |
| Total risk-based capital ratio | 176.2394% | 30 |
| Memoranda: | ||
| Average total assets | $63,710,500 | 5,962 |
| Average earning assets | $57,429,500 | 5,957 |
| Average equity | $12,505,000 | 4,505 |
| Average total loans | $3,346,000 | 7,249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0438% | 7,280 |
| Cost of funding earning assets | 0.1663% | 7,267 |
| Net interest margin | 1.8775% | 7,246 |
| Noninterest income to average assets | 1.0345% | 1,274 |
| Noninterest expense to average assets | 3.3169% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.3846% | 6,406 |
| Return on assets (ROA) | -0.3846% | 6,455 |
| Pretax return on assets | -0.6169% | 6,563 |
| Return on Equity (ROE) | -1.9329% | 6,329 |
| Retained earnings to average equity (ytd only) | -1.9329% | 6,146 |
| Net charge-offs to loans | -0.1308% | 7,170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8488% | 283 |
| Assets per employee ($millions) | 3.3803% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7153% | 461 |
| Loan loss allowance to noncurrent loans | 6,500.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,004 |
| Noncurrent loans to loans | 0.0572% | 6,674 |
| Net loans and leases to total assets | 5.2455% | 7,306 |
| Net loans and leases to deposits | 6.5357% | 7,311 |
| Net loans and leases to core deposits | 6.6403% | 7,301 |
| Total domestic deposits to total assets | 80.2603% | 5,671 |
| Equity capital to assets | 19.5964% | 250 |
| Core capital (leverage) ratio | 20.1880% | 195 |
| Tier 1 risk-based capital ratio | 166.1957% | 31 |
| Total risk-based capital ratio | 167.4502% | 31 |
| Memoranda: | ||
| Average total assets | $63,704,600 | 5,931 |
| Average earning assets | $56,512,000 | 5,962 |
| Average equity | $12,675,000 | 4,401 |
| Average total loans | $3,823,000 | 7,288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0728% | 7,362 |
| Cost of funding earning assets | 0.1686% | 7,350 |
| Net interest margin | 1.9042% | 7,319 |
| Noninterest income to average assets | 1.0297% | 1,270 |
| Noninterest expense to average assets | 3.4374% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4530% | 6,615 |
| Return on assets (ROA) | -0.4530% | 6,658 |
| Pretax return on assets | -0.7256% | 6,749 |
| Return on Equity (ROE) | -2.2681% | 6,504 |
| Retained earnings to average equity (ytd only) | -2.2681% | 6,331 |
| Net charge-offs to loans | -0.2049% | 7,264 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.7595% | 252 |
| Assets per employee ($millions) | 2.9555% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5851% | 529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 5.4183% | 7,383 |
| Net loans and leases to deposits | 6.7345% | 7,386 |
| Net loans and leases to core deposits | 6.8405% | 7,375 |
| Total domestic deposits to total assets | 80.4568% | 5,607 |
| Equity capital to assets | 19.4017% | 288 |
| Core capital (leverage) ratio | 20.5831% | 194 |
| Tier 1 risk-based capital ratio | 154.6335% | 42 |
| Total risk-based capital ratio | 155.8838% | 42 |
| Memoranda: | ||
| Average total assets | $63,574,250 | 5,976 |
| Average earning assets | $56,154,500 | 6,025 |
| Average equity | $12,697,250 | 4,406 |
| Average total loans | $3,904,000 | 7,362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0952% | 7,441 |
| Cost of funding earning assets | 0.1695% | 7,431 |
| Net interest margin | 1.9257% | 7,386 |
| Noninterest income to average assets | 1.0429% | 1,210 |
| Noninterest expense to average assets | 3.6518% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.5706% | 6,742 |
| Return on assets (ROA) | -0.5706% | 6,759 |
| Pretax return on assets | -0.9161% | 6,866 |
| Return on Equity (ROE) | -2.8291% | 6,579 |
| Retained earnings to average equity (ytd only) | -2.8291% | 6,356 |
| Net charge-offs to loans | 0.1505% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -96.3333% | 5,866 |
| Efficiency ratio | 133.4878% | 234 |
| Assets per employee ($millions) | 2.7627% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2326% | 736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 5.7474% | 7,457 |
| Net loans and leases to deposits | 7.1898% | 7,462 |
| Net loans and leases to core deposits | 7.3062% | 7,452 |
| Total domestic deposits to total assets | 79.9377% | 5,841 |
| Equity capital to assets | 19.9097% | 264 |
| Core capital (leverage) ratio | 21.3970% | 175 |
| Tier 1 risk-based capital ratio | 147.4647% | 42 |
| Total risk-based capital ratio | 148.7120% | 42 |
| Memoranda: | ||
| Average total assets | $63,092,330 | 6,046 |
| Average earning assets | $55,460,000 | 6,104 |
| Average equity | $12,724,670 | 4,396 |
| Average total loans | $3,987,330 | 7,434 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1204% | 7,502 |
| Cost of funding earning assets | 0.1691% | 7,499 |
| Net interest margin | 1.9513% | 7,418 |
| Noninterest income to average assets | 0.9862% | 1,370 |
| Noninterest expense to average assets | 4.1675% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8908% | 7,007 |
| Return on assets (ROA) | -0.8908% | 7,007 |
| Pretax return on assets | -1.4189% | 7,132 |
| Return on Equity (ROE) | -4.3882% | 6,773 |
| Retained earnings to average equity (ytd only) | -4.3882% | 6,464 |
| Net charge-offs to loans | -0.1954% | 7,252 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.6204% | 153 |
| Assets per employee ($millions) | 2.6286% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2299% | 755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 6.0314% | 7,516 |
| Net loans and leases to deposits | 7.5661% | 7,522 |
| Net loans and leases to core deposits | 7.7448% | 7,509 |
| Total domestic deposits to total assets | 79.7153% | 6,015 |
| Equity capital to assets | 20.1167% | 253 |
| Core capital (leverage) ratio | 21.5797% | 171 |
| Tier 1 risk-based capital ratio | 143.1423% | 41 |
| Total risk-based capital ratio | 144.3943% | 41 |
| Memoranda: | ||
| Average total assets | $62,867,500 | 6,099 |
| Average earning assets | $56,783,000 | 6,108 |
| Average equity | $12,761,500 | 4,393 |
| Average total loans | $4,094,000 | 7,492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5557% | 7,541 |
| Cost of funding earning assets | 0.1980% | 7,554 |
| Net interest margin | 2.3577% | 7,339 |
| Noninterest income to average assets | 1.2129% | 1,018 |
| Noninterest expense to average assets | 3.5613% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.1411% | 6,037 |
| Return on assets (ROA) | -0.1411% | 6,095 |
| Pretax return on assets | -0.2486% | 6,124 |
| Return on Equity (ROE) | -0.6536% | 6,031 |
| Retained earnings to average equity (ytd only) | -0.6536% | 5,737 |
| Net charge-offs to loans | 0.5887% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -5.2857% | 6,776 |
| Efficiency ratio | 107.5051% | 587 |
| Assets per employee ($millions) | 2.6103% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4436% | 1,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 6.6275% | 7,595 |
| Net loans and leases to deposits | 8.3521% | 7,602 |
| Net loans and leases to core deposits | 8.3521% | 7,587 |
| Total domestic deposits to total assets | 79.3513% | 5,999 |
| Equity capital to assets | 20.4827% | 232 |
| Core capital (leverage) ratio | 21.3817% | 186 |
| Tier 1 risk-based capital ratio | 138.9196% | 45 |
| Total risk-based capital ratio | 140.0455% | 45 |
| Memoranda: | ||
| Average total assets | $59,529,000 | 6,220 |
| Average earning assets | $53,018,000 | 6,252 |
| Average equity | $12,851,200 | 4,387 |
| Average total loans | $4,756,200 | 7,559 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6280% | 7,666 |
| Cost of funding earning assets | 0.1966% | 7,677 |
| Net interest margin | 2.4313% | 7,416 |
| Noninterest income to average assets | 1.2301% | 912 |
| Noninterest expense to average assets | 3.6743% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.1747% | 6,284 |
| Return on assets (ROA) | -0.1747% | 6,358 |
| Pretax return on assets | -0.2837% | 6,399 |
| Return on Equity (ROE) | -0.7985% | 6,261 |
| Retained earnings to average equity (ytd only) | -0.7985% | 5,982 |
| Net charge-offs to loans | 0.1366% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -24.9865% | 6,649 |
| Efficiency ratio | 108.3668% | 555 |
| Assets per employee ($millions) | 2.5992% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7483% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 7.2042% | 7,698 |
| Net loans and leases to deposits | 9.0893% | 7,705 |
| Net loans and leases to core deposits | 9.0893% | 7,689 |
| Total domestic deposits to total assets | 79.2610% | 5,946 |
| Equity capital to assets | 20.5819% | 253 |
| Core capital (leverage) ratio | 22.2710% | 168 |
| Tier 1 risk-based capital ratio | 130.1734% | 48 |
| Total risk-based capital ratio | 131.4205% | 48 |
| Memoranda: | ||
| Average total assets | $58,749,250 | 6,315 |
| Average earning assets | $52,206,750 | 6,362 |
| Average equity | $12,856,000 | 4,467 |
| Average total loans | $4,881,250 | 7,658 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7027% | 7,737 |
| Cost of funding earning assets | 0.1883% | 7,749 |
| Net interest margin | 2.5144% | 7,409 |
| Noninterest income to average assets | 1.2722% | 798 |
| Noninterest expense to average assets | 3.9278% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2711% | 6,441 |
| Return on assets (ROA) | -0.2711% | 6,485 |
| Pretax return on assets | -0.4275% | 6,536 |
| Return on Equity (ROE) | -1.2129% | 6,346 |
| Retained earnings to average equity (ytd only) | -1.2129% | 6,018 |
| Net charge-offs to loans | 0.0805% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -61.5000% | 6,363 |
| Efficiency ratio | 112.2145% | 511 |
| Assets per employee ($millions) | 2.5603% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6369% | 1,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 7.8115% | 7,762 |
| Net loans and leases to deposits | 9.8949% | 7,770 |
| Net loans and leases to core deposits | 9.8949% | 7,756 |
| Total domestic deposits to total assets | 78.9448% | 6,055 |
| Equity capital to assets | 20.8925% | 243 |
| Core capital (leverage) ratio | 22.5489% | 160 |
| Tier 1 risk-based capital ratio | 122.7812% | 45 |
| Total risk-based capital ratio | 124.0245% | 45 |
| Memoranda: | ||
| Average total assets | $57,539,000 | 6,413 |
| Average earning assets | $50,986,000 | 6,444 |
| Average equity | $12,861,670 | 4,468 |
| Average total loans | $4,968,000 | 7,725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8542% | 7,826 |
| Cost of funding earning assets | 0.1881% | 7,856 |
| Net interest margin | 2.6661% | 7,329 |
| Noninterest income to average assets | 1.3025% | 711 |
| Noninterest expense to average assets | 4.6416% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6117% | 6,905 |
| Return on assets (ROA) | -0.6117% | 6,938 |
| Pretax return on assets | -0.9931% | 7,045 |
| Return on Equity (ROE) | -2.6411% | 6,710 |
| Retained earnings to average equity (ytd only) | -2.6411% | 6,316 |
| Net charge-offs to loans | 0.0802% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -138.0000% | 5,606 |
| Efficiency ratio | 127.2189% | 363 |
| Assets per employee ($millions) | 2.3900% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7332% | 1,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 8.1276% | 7,866 |
| Net loans and leases to deposits | 10.4936% | 7,869 |
| Net loans and leases to core deposits | 10.4936% | 7,855 |
| Total domestic deposits to total assets | 77.4529% | 6,459 |
| Equity capital to assets | 22.3692% | 198 |
| Core capital (leverage) ratio | 23.9845% | 150 |
| Tier 1 risk-based capital ratio | 123.5532% | 42 |
| Total risk-based capital ratio | 124.7183% | 42 |
| Memoranda: | ||
| Average total assets | $55,584,500 | 6,546 |
| Average earning assets | $48,910,500 | 6,594 |
| Average equity | $12,873,500 | 4,505 |
| Average total loans | $4,987,000 | 7,823 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 7,885 |
| Cost of funding earning assets | 0.3014% | 7,901 |
| Net interest margin | 2.6576% | 7,267 |
| Noninterest income to average assets | 1.5055% | 633 |
| Noninterest expense to average assets | 4.1879% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2677% | 5,923 |
| Return on assets (ROA) | -0.2677% | 5,921 |
| Pretax return on assets | -0.3981% | 5,914 |
| Return on Equity (ROE) | -1.1863% | 5,717 |
| Retained earnings to average equity (ytd only) | -1.1863% | 5,307 |
| Net charge-offs to loans | 0.5855% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -6.7353% | 7,135 |
| Efficiency ratio | 110.5046% | 787 |
| Assets per employee ($millions) | 2.1524% | 7,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5478% | 1,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 9.3832% | 7,935 |
| Net loans and leases to deposits | 12.3786% | 7,938 |
| Net loans and leases to core deposits | 12.8450% | 7,942 |
| Total domestic deposits to total assets | 75.8014% | 6,717 |
| Equity capital to assets | 24.0034% | 185 |
| Core capital (leverage) ratio | 23.8136% | 178 |
| Tier 1 risk-based capital ratio | 119.8812% | 51 |
| Total risk-based capital ratio | 121.1064% | 51 |
| Memoranda: | ||
| Average total assets | $57,522,600 | 6,448 |
| Average earning assets | $49,442,600 | 6,546 |
| Average equity | $12,981,400 | 4,517 |
| Average total loans | $5,807,400 | 7,867 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9440% | 7,987 |
| Cost of funding earning assets | 0.3227% | 7,992 |
| Net interest margin | 2.6213% | 7,329 |
| Noninterest income to average assets | 1.5602% | 605 |
| Noninterest expense to average assets | 4.1880% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.2349% | 6,118 |
| Return on assets (ROA) | -0.2349% | 6,126 |
| Pretax return on assets | -0.3855% | 6,180 |
| Return on Equity (ROE) | -1.0566% | 5,941 |
| Retained earnings to average equity (ytd only) | -1.0566% | 5,503 |
| Net charge-offs to loans | 0.7378% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -5.1211% | 6,854 |
| Efficiency ratio | 110.1380% | 770 |
| Assets per employee ($millions) | 2.3627% | 7,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4346% | 1,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 9.0235% | 8,021 |
| Net loans and leases to deposits | 11.5900% | 8,027 |
| Net loans and leases to core deposits | 11.9159% | 8,021 |
| Total domestic deposits to total assets | 77.8560% | 6,126 |
| Equity capital to assets | 21.9527% | 246 |
| Core capital (leverage) ratio | 22.8047% | 215 |
| Tier 1 risk-based capital ratio | 120.1316% | 51 |
| Total risk-based capital ratio | 121.3637% | 51 |
| Memoranda: | ||
| Average total assets | $58,451,000 | 6,450 |
| Average earning assets | $49,999,250 | 6,575 |
| Average equity | $12,997,750 | 4,536 |
| Average total loans | $5,964,000 | 7,939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0325% | 8,074 |
| Cost of funding earning assets | 0.3584% | 8,085 |
| Net interest margin | 2.6741% | 7,261 |
| Noninterest income to average assets | 1.6104% | 577 |
| Noninterest expense to average assets | 4.2819% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2404% | 6,249 |
| Return on assets (ROA) | -0.2404% | 6,264 |
| Pretax return on assets | -0.3914% | 6,315 |
| Return on Equity (ROE) | -1.0763% | 6,081 |
| Retained earnings to average equity (ytd only) | -1.0763% | 5,504 |
| Net charge-offs to loans | 1.1417% | 1,596 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -3.2571% | 6,413 |
| Efficiency ratio | 110.0618% | 849 |
| Assets per employee ($millions) | 2.4164% | 7,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 1,445 |
| Loan loss allowance to noncurrent loans | 13,100.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,669 |
| Noncurrent loans to loans | 0.0158% | 7,517 |
| Net loans and leases to total assets | 10.2713% | 8,104 |
| Net loans and leases to deposits | 13.1214% | 8,113 |
| Net loans and leases to core deposits | 13.5658% | 8,110 |
| Total domestic deposits to total assets | 78.2788% | 6,005 |
| Equity capital to assets | 21.5193% | 304 |
| Core capital (leverage) ratio | 23.4230% | 242 |
| Tier 1 risk-based capital ratio | 109.1062% | 61 |
| Total risk-based capital ratio | 110.2056% | 61 |
| Memoranda: | ||
| Average total assets | $58,245,330 | 6,507 |
| Average earning assets | $49,662,000 | 6,644 |
| Average equity | $13,008,000 | 4,537 |
| Average total loans | $6,131,000 | 8,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1411% | 8,128 |
| Cost of funding earning assets | 0.3782% | 8,143 |
| Net interest margin | 2.7628% | 7,068 |
| Noninterest income to average assets | 1.6094% | 531 |
| Noninterest expense to average assets | 5.2762% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.8117% | 7,134 |
| Return on assets (ROA) | -0.8117% | 7,166 |
| Pretax return on assets | -1.3155% | 7,306 |
| Return on Equity (ROE) | -3.5659% | 6,843 |
| Retained earnings to average equity (ytd only) | -3.5659% | 6,367 |
| Net charge-offs to loans | 0.7962% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -15.6667% | 5,649 |
| Efficiency ratio | 133.2155% | 476 |
| Assets per employee ($millions) | 2.2929% | 7,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6529% | 648 |
| Loan loss allowance to noncurrent loans | 669.5652% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 7,493 |
| Noncurrent loans to loans | 0.3962% | 6,429 |
| Net loans and leases to total assets | 9.8583% | 8,160 |
| Net loans and leases to deposits | 12.7663% | 8,166 |
| Net loans and leases to core deposits | 13.1962% | 8,163 |
| Total domestic deposits to total assets | 77.2217% | 6,222 |
| Equity capital to assets | 22.5987% | 290 |
| Core capital (leverage) ratio | 24.0611% | 254 |
| Tier 1 risk-based capital ratio | 117.2626% | 60 |
| Total risk-based capital ratio | 118.5118% | 60 |
| Memoranda: | ||
| Average total assets | $57,162,500 | 6,575 |
| Average earning assets | $48,646,000 | 6,721 |
| Average equity | $13,012,000 | 4,574 |
| Average total loans | $6,028,500 | 8,080 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 8,100 |
| Cost of funding earning assets | 0.6627% | 8,161 |
| Net interest margin | 3.3876% | 5,708 |
| Noninterest income to average assets | 1.5348% | 596 |
| Noninterest expense to average assets | 4.1287% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1063% | 6,096 |
| Return on assets (ROA) | 0.1063% | 5,934 |
| Pretax return on assets | 0.2054% | 5,721 |
| Return on Equity (ROE) | 0.4542% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.4542% | 4,972 |
| Net charge-offs to loans | -0.0342% | 7,986 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2618% | 1,204 |
| Assets per employee ($millions) | 2.2801% | 7,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6552% | 581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 10.6766% | 8,212 |
| Net loans and leases to deposits | 13.8950% | 8,219 |
| Net loans and leases to core deposits | 14.0922% | 8,218 |
| Total domestic deposits to total assets | 76.8381% | 6,030 |
| Equity capital to assets | 22.9286% | 316 |
| Core capital (leverage) ratio | 23.8000% | 283 |
| Tier 1 risk-based capital ratio | 98.9552% | 80 |
| Total risk-based capital ratio | 100.1969% | 80 |
| Memoranda: | ||
| Average total assets | $55,513,400 | 6,553 |
| Average earning assets | $45,873,400 | 6,773 |
| Average equity | $12,990,400 | 4,580 |
| Average total loans | $8,771,000 | 7,999 |