Home > Bank of Wrightsville > Performance and Condition Ratios
Bank of Wrightsville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 1,961 |
| Cost of funding earning assets | 1.0392% | 3,212 |
| Net interest margin | 4.0164% | 1,182 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.2309% | 3,041 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7999% | 611 |
| Return on assets (ROA) | 1.7950% | 595 |
| Pretax return on assets | 1.7950% | 895 |
| Return on Equity (ROE) | 35.9200% | 118 |
| Retained earnings to average equity (ytd only) | 23.9122% | 83 |
| Net charge-offs to loans | -0.0099% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.7641% | 3,623 |
| Assets per employee ($millions) | 8.6754% | 1,124 |
| Cash dividends to net income (ytd only)* | 33.4243% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 1,886 |
| Loan loss allowance to noncurrent loans | 3,850.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,639 |
| Noncurrent loans to loans | 0.0332% | 3,495 |
| Net loans and leases to total assets | 47.9900% | 3,728 |
| Net loans and leases to deposits | 51.2602% | 3,903 |
| Net loans and leases to core deposits | 55.8390% | 3,919 |
| Total domestic deposits to total assets | 93.6200% | 128 |
| Equity capital to assets | 5.8188% | 4,271 |
| Core capital (leverage) ratio | 10.4503% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $81,669,400 | 4,001 |
| Average earning assets | $76,885,000 | 3,960 |
| Average equity | $4,081,600 | 4,347 |
| Average total loans | $40,525,600 | 3,988 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 1,964 |
| Cost of funding earning assets | 0.8658% | 3,358 |
| Net interest margin | 4.0768% | 1,101 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.2753% | 2,874 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.8060% | 663 |
| Return on assets (ROA) | 1.7993% | 663 |
| Pretax return on assets | 1.7993% | 1,012 |
| Return on Equity (ROE) | 37.6700% | 134 |
| Retained earnings to average equity (ytd only) | 29.3395% | 96 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.9679% | 3,493 |
| Assets per employee ($millions) | 7.6295% | 1,552 |
| Cash dividends to net income (ytd only)* | 22.1198% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,126 |
| 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 | 50.5100% | 3,584 |
| Net loans and leases to deposits | 53.1049% | 3,835 |
| Net loans and leases to core deposits | 57.2271% | 3,807 |
| Total domestic deposits to total assets | 95.1100% | 118 |
| Equity capital to assets | 4.3884% | 4,349 |
| Core capital (leverage) ratio | 10.4376% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1017% | 1,296 |
| Memoranda: | ||
| Average total assets | $80,398,250 | 4,030 |
| Average earning assets | $75,612,250 | 3,989 |
| Average equity | $3,840,000 | 4,380 |
| Average total loans | $40,114,000 | 3,999 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7564% | 2,091 |
| Cost of funding earning assets | 0.6499% | 3,628 |
| Net interest margin | 4.1065% | 1,077 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.2923% | 2,834 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.7975% | 664 |
| Return on assets (ROA) | 1.7874% | 672 |
| Pretax return on assets | 1.7874% | 1,036 |
| Return on Equity (ROE) | 36.3800% | 133 |
| Retained earnings to average equity (ytd only) | 24.0473% | 139 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.8640% | 3,545 |
| Assets per employee ($millions) | 6.9341% | 1,977 |
| Cash dividends to net income (ytd only)* | 33.8983% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,712 |
| Loan loss allowance to noncurrent loans | 5,181.8182% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,710 |
| Noncurrent loans to loans | 0.0261% | 3,573 |
| Net loans and leases to total assets | 50.0600% | 3,559 |
| Net loans and leases to deposits | 52.8249% | 3,802 |
| Net loans and leases to core deposits | 57.2723% | 3,750 |
| Total domestic deposits to total assets | 94.7600% | 106 |
| Equity capital to assets | 4.9298% | 4,391 |
| Core capital (leverage) ratio | 10.2785% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $79,222,667 | 4,054 |
| Average earning assets | $74,467,333 | 4,021 |
| Average equity | $3,892,333 | 4,398 |
| Average total loans | $39,176,667 | 4,034 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 2,014 |
| Cost of funding earning assets | 0.4645% | 3,794 |
| Net interest margin | 4.1637% | 1,002 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.4447% | 2,383 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6988% | 824 |
| Return on assets (ROA) | 1.6885% | 835 |
| Pretax return on assets | 1.6885% | 1,290 |
| Return on Equity (ROE) | 34.4300% | 166 |
| Retained earnings to average equity (ytd only) | 9.0825% | 1,926 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3436% | 3,155 |
| Assets per employee ($millions) | 7.0944% | 1,904 |
| Cash dividends to net income (ytd only)* | 73.6196% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,519 |
| Loan loss allowance to noncurrent loans | 4,028.5714% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,637 |
| Noncurrent loans to loans | 0.0354% | 3,492 |
| Net loans and leases to total assets | 50.0200% | 3,494 |
| Net loans and leases to deposits | 52.8570% | 3,748 |
| Net loans and leases to core deposits | 56.7836% | 3,701 |
| Total domestic deposits to total assets | 94.6400% | 119 |
| Equity capital to assets | 5.0591% | 4,411 |
| Core capital (leverage) ratio | 10.3389% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $77,229,500 | 4,135 |
| Average earning assets | $72,340,000 | 4,108 |
| Average equity | $3,787,500 | 4,473 |
| Average total loans | $37,653,500 | 4,111 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 1,907 |
| Cost of funding earning assets | 0.2871% | 2,984 |
| Net interest margin | 3.6447% | 1,507 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.4057% | 2,408 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2748% | 1,515 |
| Return on assets (ROA) | 1.2748% | 1,470 |
| Pretax return on assets | 1.2748% | 2,185 |
| Return on Equity (ROE) | 21.6100% | 359 |
| Retained earnings to average equity (ytd only) | 18.0744% | 141 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0124% | 2,487 |
| Assets per employee ($millions) | 5.8785% | 2,874 |
| Cash dividends to net income (ytd only)* | 16.3618% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 944 |
| Loan loss allowance to noncurrent loans | 5,770.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,748 |
| Noncurrent loans to loans | 0.0280% | 3,592 |
| Net loans and leases to total assets | 45.9700% | 3,804 |
| Net loans and leases to deposits | 48.4011% | 3,965 |
| Net loans and leases to core deposits | 51.0307% | 3,939 |
| Total domestic deposits to total assets | 94.9700% | 145 |
| Equity capital to assets | 4.7461% | 4,426 |
| Core capital (leverage) ratio | 10.2169% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $77,190,400 | 4,159 |
| Average earning assets | $72,791,600 | 4,126 |
| Average equity | $4,553,400 | 4,479 |
| Average total loans | $35,453,000 | 4,149 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 1,950 |
| Cost of funding earning assets | 0.2845% | 2,337 |
| Net interest margin | 3.4490% | 1,809 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.3984% | 2,339 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1148% | 2,029 |
| Return on assets (ROA) | 1.1148% | 1,996 |
| Pretax return on assets | 1.1148% | 2,679 |
| Return on Equity (ROE) | 18.0300% | 640 |
| Retained earnings to average equity (ytd only) | 13.5420% | 532 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.7946% | 2,181 |
| Assets per employee ($millions) | 5.9414% | 2,819 |
| Cash dividends to net income (ytd only)* | 24.8841% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 992 |
| Loan loss allowance to noncurrent loans | 5,109.0909% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,825 |
| Noncurrent loans to loans | 0.0321% | 3,666 |
| Net loans and leases to total assets | 43.6400% | 3,899 |
| Net loans and leases to deposits | 45.7442% | 4,037 |
| Net loans and leases to core deposits | 48.5538% | 4,013 |
| Total domestic deposits to total assets | 95.4000% | 178 |
| Equity capital to assets | 4.2712% | 4,441 |
| Core capital (leverage) ratio | 9.4327% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $77,382,750 | 4,184 |
| Average earning assets | $73,102,000 | 4,149 |
| Average equity | $4,785,000 | 4,494 |
| Average total loans | $35,389,750 | 4,172 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4998% | 2,145 |
| Cost of funding earning assets | 0.2839% | 1,865 |
| Net interest margin | 3.2159% | 2,140 |
| Noninterest income to average assets | 0.3358% | 3,147 |
| Noninterest expense to average assets | 2.3660% | 2,354 |
| Loan and lease loss provision to assets | 0.0775% | 1,251 |
| Net operating income to assets | 0.9350% | 2,425 |
| Return on assets (ROA) | 0.9350% | 2,400 |
| Pretax return on assets | 0.9350% | 2,949 |
| Return on Equity (ROE) | 13.7113% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.6132% | 1,761 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0306% | 1,952 |
| Assets per employee ($millions) | 6.0838% | 2,670 |
| Cash dividends to net income (ytd only)* | 44.4751% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 1,258 |
| Loan loss allowance to noncurrent loans | 710.3896% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,028 |
| Noncurrent loans to loans | 0.2191% | 2,627 |
| Net loans and leases to total assets | 43.7527% | 3,851 |
| Net loans and leases to deposits | 46.0153% | 4,028 |
| Net loans and leases to core deposits | 48.7779% | 3,992 |
| Total domestic deposits to total assets | 95.0828% | 140 |
| Equity capital to assets | 4.6365% | 4,543 |
| Core capital (leverage) ratio | 9.1262% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,431,000 | 4,230 |
| Average earning assets | $73,261,667 | 4,207 |
| Average equity | $5,280,333 | 4,493 |
| Average total loans | $35,763,000 | 4,218 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 2,205 |
| Cost of funding earning assets | 0.2875% | 1,760 |
| Net interest margin | 3.0738% | 2,255 |
| Noninterest income to average assets | 0.2976% | 3,336 |
| Noninterest expense to average assets | 2.3864% | 2,212 |
| Loan and lease loss provision to assets | 0.0783% | 1,053 |
| Net operating income to assets | 0.7363% | 2,902 |
| Return on assets (ROA) | 0.7363% | 2,896 |
| Pretax return on assets | 0.7363% | 3,288 |
| Return on Equity (ROE) | 9.2656% | 2,224 |
| Retained earnings to average equity (ytd only) | -1.3143% | 4,174 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5514% | 1,681 |
| Assets per employee ($millions) | 6.0312% | 2,781 |
| Cash dividends to net income (ytd only)* | 114.1844% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 1,649 |
| Loan loss allowance to noncurrent loans | 665.0000% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 3,094 |
| Noncurrent loans to loans | 0.2212% | 2,714 |
| Net loans and leases to total assets | 45.4468% | 3,628 |
| Net loans and leases to deposits | 48.9162% | 3,821 |
| Net loans and leases to core deposits | 51.7433% | 3,750 |
| Total domestic deposits to total assets | 92.9074% | 296 |
| Equity capital to assets | 6.8247% | 4,289 |
| Core capital (leverage) ratio | 8.9730% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1247% | 1,761 |
| Memoranda: | ||
| Average total assets | $76,601,500 | 4,263 |
| Average earning assets | $72,354,500 | 4,232 |
| Average equity | $6,087,000 | 4,454 |
| Average total loans | $36,069,000 | 4,230 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 1,885 |
| Cost of funding earning assets | 0.3481% | 1,950 |
| Net interest margin | 3.4447% | 1,891 |
| Noninterest income to average assets | 0.3219% | 3,481 |
| Noninterest expense to average assets | 2.4116% | 2,457 |
| Loan and lease loss provision to assets | 0.0812% | 1,506 |
| Net operating income to assets | 1.0821% | 2,359 |
| Return on assets (ROA) | 1.0915% | 2,399 |
| Pretax return on assets | 1.0915% | 3,003 |
| Return on Equity (ROE) | 12.1284% | 1,771 |
| Retained earnings to average equity (ytd only) | 10.1145% | 888 |
| Net charge-offs to loans | 0.0055% | 2,387 |
| Credit loss provision to net charge-offs | 3,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 430.0000% | 311 |
| Efficiency ratio | 67.4612% | 2,057 |
| Assets per employee ($millions) | 5.7536% | 3,005 |
| Cash dividends to net income (ytd only)* | 16.6047% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,776 |
| Loan loss allowance to noncurrent loans | 608.2353% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 3,137 |
| Noncurrent loans to loans | 0.2363% | 2,785 |
| Net loans and leases to total assets | 47.4030% | 3,552 |
| Net loans and leases to deposits | 52.3653% | 3,713 |
| Net loans and leases to core deposits | 55.8846% | 3,627 |
| Total domestic deposits to total assets | 90.5237% | 707 |
| Equity capital to assets | 9.1220% | 3,490 |
| Core capital (leverage) ratio | 9.2490% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,933,600 | 4,291 |
| Average earning assets | $69,816,600 | 4,260 |
| Average equity | $6,653,800 | 4,463 |
| Average total loans | $36,452,400 | 4,262 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 2,080 |
| Cost of funding earning assets | 0.3597% | 2,026 |
| Net interest margin | 3.4138% | 2,116 |
| Noninterest income to average assets | 0.3256% | 3,475 |
| Noninterest expense to average assets | 2.3476% | 2,602 |
| Loan and lease loss provision to assets | 0.0814% | 1,455 |
| Net operating income to assets | 1.1232% | 2,469 |
| Return on assets (ROA) | 1.1376% | 2,474 |
| Pretax return on assets | 1.1376% | 3,112 |
| Return on Equity (ROE) | 12.6847% | 1,808 |
| Retained earnings to average equity (ytd only) | 9.9824% | 1,319 |
| Net charge-offs to loans | 0.0073% | 2,048 |
| Credit loss provision to net charge-offs | 2,250.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 409 |
| Efficiency ratio | 66.0896% | 2,088 |
| Assets per employee ($millions) | 5.8339% | 2,846 |
| Cash dividends to net income (ytd only)* | 21.3037% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,265 |
| Loan loss allowance to noncurrent loans | 1,024.4898% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,677 |
| Noncurrent loans to loans | 0.1310% | 3,453 |
| Net loans and leases to total assets | 48.6452% | 3,559 |
| Net loans and leases to deposits | 53.8128% | 3,754 |
| Net loans and leases to core deposits | 57.3042% | 3,676 |
| Total domestic deposits to total assets | 90.3970% | 603 |
| Equity capital to assets | 9.1613% | 3,688 |
| Core capital (leverage) ratio | 8.9207% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,717,750 | 4,349 |
| Average earning assets | $69,676,500 | 4,318 |
| Average equity | $6,611,500 | 4,533 |
| Average total loans | $36,572,250 | 4,310 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 2,351 |
| Cost of funding earning assets | 0.3740% | 2,096 |
| Net interest margin | 3.3198% | 2,382 |
| Noninterest income to average assets | 0.3397% | 3,408 |
| Noninterest expense to average assets | 2.3367% | 2,655 |
| Loan and lease loss provision to assets | 0.0822% | 1,484 |
| Net operating income to assets | 1.0574% | 2,690 |
| Return on assets (ROA) | 1.0766% | 2,691 |
| Pretax return on assets | 1.0766% | 3,283 |
| Return on Equity (ROE) | 12.0935% | 2,017 |
| Retained earnings to average equity (ytd only) | 7.9700% | 2,082 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2183% | 1,979 |
| Assets per employee ($millions) | 5.8685% | 2,744 |
| Cash dividends to net income (ytd only)* | 34.0967% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,329 |
| Loan loss allowance to noncurrent loans | 788.7097% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 3,666 |
| Noncurrent loans to loans | 0.1676% | 3,378 |
| Net loans and leases to total assets | 47.8385% | 3,739 |
| Net loans and leases to deposits | 52.7147% | 3,951 |
| Net loans and leases to core deposits | 56.0959% | 3,884 |
| Total domestic deposits to total assets | 90.7498% | 461 |
| Equity capital to assets | 8.6905% | 4,054 |
| Core capital (leverage) ratio | 8.6250% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,010,000 | 4,385 |
| Average earning assets | $68,981,000 | 4,356 |
| Average equity | $6,499,333 | 4,570 |
| Average total loans | $36,298,000 | 4,352 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 2,687 |
| Cost of funding earning assets | 0.3919% | 2,158 |
| Net interest margin | 3.1943% | 2,721 |
| Noninterest income to average assets | 0.2970% | 3,631 |
| Noninterest expense to average assets | 2.3371% | 2,683 |
| Loan and lease loss provision to assets | 0.0841% | 1,552 |
| Net operating income to assets | 0.8911% | 3,152 |
| Return on assets (ROA) | 0.9192% | 3,156 |
| Pretax return on assets | 0.9192% | 3,561 |
| Return on Equity (ROE) | 10.1958% | 2,625 |
| Retained earnings to average equity (ytd only) | 1.8651% | 4,041 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5584% | 1,641 |
| Assets per employee ($millions) | 6.2118% | 2,394 |
| Cash dividends to net income (ytd only)* | 81.7073% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,450 |
| Loan loss allowance to noncurrent loans | 408.6207% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,387 |
| Noncurrent loans to loans | 0.3173% | 2,961 |
| Net loans and leases to total assets | 48.4157% | 3,765 |
| Net loans and leases to deposits | 53.0462% | 4,000 |
| Net loans and leases to core deposits | 56.7605% | 3,924 |
| Total domestic deposits to total assets | 91.2707% | 304 |
| Equity capital to assets | 8.3443% | 4,237 |
| Core capital (leverage) ratio | 9.1623% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,370,000 | 4,422 |
| Average earning assets | $67,370,000 | 4,392 |
| Average equity | $6,434,000 | 4,591 |
| Average total loans | $35,954,500 | 4,379 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 2,195 |
| Cost of funding earning assets | 0.4895% | 3,017 |
| Net interest margin | 3.6913% | 1,831 |
| Noninterest income to average assets | 0.3534% | 3,352 |
| Noninterest expense to average assets | 2.6740% | 2,314 |
| Loan and lease loss provision to assets | 0.1095% | 2,977 |
| Net operating income to assets | 1.0367% | 2,153 |
| Return on assets (ROA) | 1.0696% | 2,171 |
| Pretax return on assets | 1.0696% | 2,816 |
| Return on Equity (ROE) | 10.8709% | 1,679 |
| Retained earnings to average equity (ytd only) | 5.5308% | 2,027 |
| Net charge-offs to loans | 0.1075% | 1,399 |
| Credit loss provision to net charge-offs | 184.2105% | 2,246 |
| Earnings coverage of net charge-offs (x) | 19.2895% | 1,989 |
| Efficiency ratio | 69.9959% | 1,949 |
| Assets per employee ($millions) | 5.6832% | 2,648 |
| Cash dividends to net income (ytd only)* | 49.1228% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,421 |
| Loan loss allowance to noncurrent loans | 171.2687% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 2,415 |
| Noncurrent loans to loans | 0.7582% | 1,811 |
| Net loans and leases to total assets | 51.1540% | 3,737 |
| Net loans and leases to deposits | 57.0536% | 3,941 |
| Net loans and leases to core deposits | 59.4817% | 3,977 |
| Total domestic deposits to total assets | 89.6595% | 694 |
| Equity capital to assets | 9.7481% | 3,369 |
| Core capital (leverage) ratio | 9.4448% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,950,200 | 4,460 |
| Average earning assets | $60,060,400 | 4,437 |
| Average equity | $6,292,000 | 4,609 |
| Average total loans | $35,349,000 | 4,399 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 2,186 |
| Cost of funding earning assets | 0.5059% | 3,184 |
| Net interest margin | 3.7629% | 1,727 |
| Noninterest income to average assets | 0.3519% | 3,350 |
| Noninterest expense to average assets | 2.7116% | 2,230 |
| Loan and lease loss provision to assets | 0.1161% | 2,871 |
| Net operating income to assets | 1.0558% | 2,119 |
| Return on assets (ROA) | 1.0940% | 2,129 |
| Pretax return on assets | 1.0940% | 2,770 |
| Return on Equity (ROE) | 11.0911% | 1,652 |
| Retained earnings to average equity (ytd only) | 7.6305% | 1,451 |
| Net charge-offs to loans | 0.0905% | 1,401 |
| Credit loss provision to net charge-offs | 229.1667% | 1,998 |
| Earnings coverage of net charge-offs (x) | 23.0417% | 1,813 |
| Efficiency ratio | 69.8144% | 1,909 |
| Assets per employee ($millions) | 5.1378% | 3,077 |
| Cash dividends to net income (ytd only)* | 31.2016% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,136 |
| Loan loss allowance to noncurrent loans | 166.5455% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 2,407 |
| Noncurrent loans to loans | 0.7837% | 1,860 |
| Net loans and leases to total assets | 51.8505% | 3,977 |
| Net loans and leases to deposits | 58.0052% | 4,162 |
| Net loans and leases to core deposits | 60.1010% | 4,196 |
| Total domestic deposits to total assets | 89.3894% | 620 |
| Equity capital to assets | 10.0177% | 3,212 |
| Core capital (leverage) ratio | 9.6291% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,888,250 | 4,488 |
| Average earning assets | $59,031,500 | 4,468 |
| Average equity | $6,203,000 | 4,641 |
| Average total loans | $35,350,000 | 4,429 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 2,318 |
| Cost of funding earning assets | 0.5266% | 3,372 |
| Net interest margin | 3.8317% | 1,737 |
| Noninterest income to average assets | 0.3670% | 3,279 |
| Noninterest expense to average assets | 2.7343% | 2,276 |
| Loan and lease loss provision to assets | 0.1299% | 2,722 |
| Net operating income to assets | 1.0944% | 1,987 |
| Return on assets (ROA) | 1.1171% | 2,028 |
| Pretax return on assets | 1.1171% | 2,660 |
| Return on Equity (ROE) | 11.3901% | 1,518 |
| Retained earnings to average equity (ytd only) | 6.0593% | 2,052 |
| Net charge-offs to loans | 0.1355% | 1,036 |
| Credit loss provision to net charge-offs | 166.6667% | 2,046 |
| Earnings coverage of net charge-offs (x) | 15.7083% | 1,893 |
| Efficiency ratio | 69.0730% | 2,080 |
| Assets per employee ($millions) | 5.1358% | 3,018 |
| Cash dividends to net income (ytd only)* | 46.8023% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,440 |
| Loan loss allowance to noncurrent loans | 316.4286% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 3,339 |
| Noncurrent loans to loans | 0.3840% | 3,033 |
| Net loans and leases to total assets | 53.9436% | 3,879 |
| Net loans and leases to deposits | 60.1269% | 4,113 |
| Net loans and leases to core deposits | 62.2802% | 4,163 |
| Total domestic deposits to total assets | 89.7163% | 486 |
| Equity capital to assets | 9.6262% | 3,545 |
| Core capital (leverage) ratio | 9.5209% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,587,000 | 4,518 |
| Average earning assets | $57,728,333 | 4,498 |
| Average equity | $6,040,333 | 4,686 |
| Average total loans | $35,436,667 | 4,443 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 2,165 |
| Cost of funding earning assets | 0.5657% | 3,612 |
| Net interest margin | 3.9815% | 1,434 |
| Noninterest income to average assets | 0.3661% | 3,321 |
| Noninterest expense to average assets | 2.8408% | 2,304 |
| Loan and lease loss provision to assets | 0.1017% | 2,414 |
| Net operating income to assets | 1.1458% | 1,697 |
| Return on assets (ROA) | 1.1458% | 1,805 |
| Pretax return on assets | 1.1458% | 2,377 |
| Return on Equity (ROE) | 11.5615% | 1,239 |
| Retained earnings to average equity (ytd only) | 0.5473% | 3,860 |
| Net charge-offs to loans | 0.2749% | 534 |
| Credit loss provision to net charge-offs | 62.5000% | 2,009 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 1,904 |
| Efficiency ratio | 69.4859% | 2,429 |
| Assets per employee ($millions) | 4.7095% | 2,978 |
| Cash dividends to net income (ytd only)* | 95.2663% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,599 |
| Loan loss allowance to noncurrent loans | 294.3662% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,183 |
| Noncurrent loans to loans | 0.4119% | 3,017 |
| Net loans and leases to total assets | 55.6311% | 3,866 |
| Net loans and leases to deposits | 61.9784% | 4,098 |
| Net loans and leases to core deposits | 63.4920% | 4,198 |
| Total domestic deposits to total assets | 89.7588% | 397 |
| Equity capital to assets | 9.6532% | 4,076 |
| Core capital (leverage) ratio | 10.0628% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,997,500 | 4,572 |
| Average earning assets | $55,155,000 | 4,559 |
| Average equity | $5,847,000 | 4,742 |
| Average total loans | $34,925,500 | 4,475 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 2,119 |
| Cost of funding earning assets | 0.5820% | 3,712 |
| Net interest margin | 4.1938% | 1,331 |
| Noninterest income to average assets | 0.5982% | 2,228 |
| Noninterest expense to average assets | 3.0595% | 1,854 |
| Loan and lease loss provision to assets | 0.1407% | 1,513 |
| Net operating income to assets | 1.2896% | 1,729 |
| Return on assets (ROA) | 1.2896% | 1,809 |
| Pretax return on assets | 1.2896% | 2,539 |
| Return on Equity (ROE) | 13.8537% | 927 |
| Retained earnings to average equity (ytd only) | 6.3504% | 1,693 |
| Net charge-offs to loans | -0.0828% | 4,926 |
| Credit loss provision to net charge-offs | -275.8621% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1426% | 2,435 |
| Assets per employee ($millions) | 4.3671% | 3,419 |
| Cash dividends to net income (ytd only)* | 54.1610% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,397 |
| Loan loss allowance to noncurrent loans | 180.9322% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 2,730 |
| Noncurrent loans to loans | 0.6672% | 2,218 |
| Net loans and leases to total assets | 61.5568% | 3,447 |
| Net loans and leases to deposits | 69.0884% | 3,734 |
| Net loans and leases to core deposits | 72.3570% | 3,836 |
| Total domestic deposits to total assets | 89.0985% | 631 |
| Equity capital to assets | 10.1881% | 3,743 |
| Core capital (leverage) ratio | 10.3501% | 3,137 |
| Tier 1 risk-based capital ratio | 15.2225% | 2,689 |
| Total risk-based capital ratio | 16.3224% | 2,683 |
| Memoranda: | ||
| Average total assets | $56,839,400 | 4,633 |
| Average earning assets | $52,744,800 | 4,628 |
| Average equity | $5,291,000 | 4,850 |
| Average total loans | $35,028,200 | 4,536 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 2,251 |
| Cost of funding earning assets | 0.5764% | 3,789 |
| Net interest margin | 4.1816% | 1,414 |
| Noninterest income to average assets | 0.6566% | 1,960 |
| Noninterest expense to average assets | 3.0532% | 1,816 |
| Loan and lease loss provision to assets | 0.1524% | 1,234 |
| Net operating income to assets | 1.3296% | 1,729 |
| Return on assets (ROA) | 1.3296% | 1,799 |
| Pretax return on assets | 1.3296% | 2,566 |
| Return on Equity (ROE) | 14.6288% | 863 |
| Retained earnings to average equity (ytd only) | 8.1529% | 1,330 |
| Net charge-offs to loans | 0.0076% | 3,107 |
| Credit loss provision to net charge-offs | 3,250.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 315.5993% | 302 |
| Efficiency ratio | 67.3216% | 2,521 |
| Assets per employee ($millions) | 4.0853% | 3,784 |
| Cash dividends to net income (ytd only)* | 44.2684% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,317 |
| Loan loss allowance to noncurrent loans | 187.6847% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 3,085 |
| Noncurrent loans to loans | 0.5571% | 2,625 |
| Net loans and leases to total assets | 63.0451% | 3,382 |
| Net loans and leases to deposits | 70.5774% | 3,726 |
| Net loans and leases to core deposits | 73.8818% | 3,838 |
| Total domestic deposits to total assets | 89.3276% | 510 |
| Equity capital to assets | 9.9678% | 4,050 |
| Core capital (leverage) ratio | 10.3869% | 3,216 |
| Tier 1 risk-based capital ratio | 14.9700% | 2,861 |
| Total risk-based capital ratio | 15.9387% | 2,914 |
| Memoranda: | ||
| Average total assets | $56,856,250 | 4,705 |
| Average earning assets | $52,738,250 | 4,696 |
| Average equity | $5,167,750 | 4,927 |
| Average total loans | $34,941,750 | 4,594 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 2,284 |
| Cost of funding earning assets | 0.5737% | 3,777 |
| Net interest margin | 4.1528% | 1,485 |
| Noninterest income to average assets | 0.5287% | 2,517 |
| Noninterest expense to average assets | 3.0312% | 1,912 |
| Loan and lease loss provision to assets | 0.1762% | 1,019 |
| Net operating income to assets | 1.1737% | 2,245 |
| Return on assets (ROA) | 1.1737% | 2,324 |
| Pretax return on assets | 1.1737% | 3,003 |
| Return on Equity (ROE) | 13.3467% | 1,139 |
| Retained earnings to average equity (ytd only) | 3.2866% | 3,582 |
| Net charge-offs to loans | -0.0174% | 4,507 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1874% | 2,352 |
| Assets per employee ($millions) | 4.1054% | 3,722 |
| Cash dividends to net income (ytd only)* | 75.3754% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,260 |
| Loan loss allowance to noncurrent loans | 154.5833% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 2,840 |
| Noncurrent loans to loans | 0.6897% | 2,244 |
| Net loans and leases to total assets | 59.9015% | 3,739 |
| Net loans and leases to deposits | 66.8615% | 4,033 |
| Net loans and leases to core deposits | 69.9521% | 4,112 |
| Total domestic deposits to total assets | 89.5904% | 453 |
| Equity capital to assets | 9.4457% | 4,450 |
| Core capital (leverage) ratio | 9.8111% | 3,815 |
| Tier 1 risk-based capital ratio | 14.5111% | 3,063 |
| Total risk-based capital ratio | 15.4630% | 3,116 |
| Memoranda: | ||
| Average total assets | $56,743,670 | 4,743 |
| Average earning assets | $52,639,670 | 4,731 |
| Average equity | $4,990,000 | 4,985 |
| Average total loans | $34,442,670 | 4,645 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7105% | 2,190 |
| Cost of funding earning assets | 0.5515% | 3,819 |
| Net interest margin | 4.1590% | 1,404 |
| Noninterest income to average assets | 0.3902% | 3,258 |
| Noninterest expense to average assets | 3.0651% | 1,817 |
| Loan and lease loss provision to assets | 0.1064% | 1,673 |
| Net operating income to assets | 1.0713% | 2,578 |
| Return on assets (ROA) | 1.0713% | 2,624 |
| Pretax return on assets | 1.0713% | 3,234 |
| Return on Equity (ROE) | 12.6611% | 1,334 |
| Retained earnings to average equity (ytd only) | -8.3849% | 5,046 |
| Net charge-offs to loans | -0.0350% | 4,704 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2408% | 2,002 |
| Assets per employee ($millions) | 4.1126% | 3,746 |
| Cash dividends to net income (ytd only)* | 166.2252% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,758 |
| Loan loss allowance to noncurrent loans | 136.5854% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,877 |
| Noncurrent loans to loans | 0.7268% | 2,203 |
| Net loans and leases to total assets | 58.2031% | 3,863 |
| Net loans and leases to deposits | 64.2416% | 4,167 |
| Net loans and leases to core deposits | 66.5046% | 4,258 |
| Total domestic deposits to total assets | 90.6003% | 256 |
| Equity capital to assets | 8.4653% | 5,009 |
| Core capital (leverage) ratio | 9.5957% | 4,029 |
| Tier 1 risk-based capital ratio | 14.3603% | 3,163 |
| Total risk-based capital ratio | 15.2419% | 3,258 |
| Memoranda: | ||
| Average total assets | $56,377,500 | 4,800 |
| Average earning assets | $52,223,500 | 4,791 |
| Average equity | $4,770,500 | 5,054 |
| Average total loans | $34,264,000 | 4,697 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 2,908 |
| Cost of funding earning assets | 0.4915% | 3,413 |
| Net interest margin | 3.8644% | 2,448 |
| Noninterest income to average assets | 0.8395% | 1,338 |
| Noninterest expense to average assets | 3.2008% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2056% | 2,144 |
| Return on assets (ROA) | 1.2056% | 2,136 |
| Pretax return on assets | 1.2056% | 2,857 |
| Return on Equity (ROE) | 15.3270% | 763 |
| Retained earnings to average equity (ytd only) | 10.5586% | 515 |
| Net charge-offs to loans | 0.0065% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 337.5000% | 306 |
| Efficiency ratio | 72.6388% | 1,826 |
| Assets per employee ($millions) | 3.4487% | 4,608 |
| Cash dividends to net income (ytd only)* | 31.1111% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,096 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 2,316 |
| Noncurrent loans to loans | 0.9169% | 1,748 |
| Net loans and leases to total assets | 62.2755% | 3,537 |
| Net loans and leases to deposits | 68.7865% | 3,917 |
| Net loans and leases to core deposits | 71.3206% | 4,037 |
| Total domestic deposits to total assets | 90.5344% | 315 |
| Equity capital to assets | 8.4579% | 4,957 |
| Core capital (leverage) ratio | 9.9532% | 3,642 |
| Tier 1 risk-based capital ratio | 14.4367% | 3,092 |
| Total risk-based capital ratio | 15.2605% | 3,213 |
| Memoranda: | ||
| Average total assets | $55,986,400 | 4,834 |
| Average earning assets | $51,676,400 | 4,824 |
| Average equity | $4,404,000 | 5,119 |
| Average total loans | $30,666,400 | 4,803 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 3,182 |
| Cost of funding earning assets | 0.4809% | 3,324 |
| Net interest margin | 3.7573% | 2,800 |
| Noninterest income to average assets | 0.9682% | 1,016 |
| Noninterest expense to average assets | 3.2770% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1580% | 2,417 |
| Return on assets (ROA) | 1.1580% | 2,421 |
| Pretax return on assets | 1.1580% | 3,169 |
| Return on Equity (ROE) | 14.9980% | 877 |
| Retained earnings to average equity (ytd only) | 8.5440% | 1,400 |
| Net charge-offs to loans | 0.0135% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 162.6625% | 509 |
| Efficiency ratio | 73.8898% | 1,610 |
| Assets per employee ($millions) | 3.7291% | 4,264 |
| Cash dividends to net income (ytd only)* | 43.0324% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,883 |
| Loan loss allowance to noncurrent loans | 144.7489% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 2,480 |
| Noncurrent loans to loans | 0.6781% | 2,385 |
| Net loans and leases to total assets | 57.1671% | 4,116 |
| Net loans and leases to deposits | 62.7554% | 4,409 |
| Net loans and leases to core deposits | 65.0203% | 4,455 |
| Total domestic deposits to total assets | 91.0952% | 194 |
| Equity capital to assets | 7.8214% | 5,232 |
| Core capital (leverage) ratio | 9.6914% | 3,950 |
| Tier 1 risk-based capital ratio | 14.6866% | 3,025 |
| Total risk-based capital ratio | 15.5510% | 3,129 |
| Memoranda: | ||
| Average total assets | $56,188,250 | 4,883 |
| Average earning assets | $51,844,500 | 4,878 |
| Average equity | $4,338,250 | 5,194 |
| Average total loans | $29,662,750 | 4,880 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 3,255 |
| Cost of funding earning assets | 0.4705% | 3,219 |
| Net interest margin | 3.6869% | 2,982 |
| Noninterest income to average assets | 1.2368% | 630 |
| Noninterest expense to average assets | 3.3267% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3079% | 1,740 |
| Return on assets (ROA) | 1.3079% | 1,735 |
| Pretax return on assets | 1.3079% | 2,474 |
| Return on Equity (ROE) | 17.0134% | 522 |
| Retained earnings to average equity (ytd only) | 7.3047% | 1,916 |
| Net charge-offs to loans | 0.0069% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 250 |
| Efficiency ratio | 71.7791% | 2,036 |
| Assets per employee ($millions) | 3.5586% | 4,522 |
| Cash dividends to net income (ytd only)* | 57.0652% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,521 |
| Loan loss allowance to noncurrent loans | 138.0952% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 2,486 |
| Noncurrent loans to loans | 0.7620% | 2,214 |
| Net loans and leases to total assets | 52.6828% | 4,434 |
| Net loans and leases to deposits | 57.6403% | 4,659 |
| Net loans and leases to core deposits | 59.0880% | 4,745 |
| Total domestic deposits to total assets | 91.3993% | 171 |
| Equity capital to assets | 7.5926% | 5,349 |
| Core capital (leverage) ratio | 9.2500% | 4,416 |
| Tier 1 risk-based capital ratio | 14.9119% | 2,915 |
| Total risk-based capital ratio | 15.8153% | 3,005 |
| Memoranda: | ||
| Average total assets | $56,272,330 | 4,936 |
| Average earning assets | $51,859,670 | 4,932 |
| Average equity | $4,326,000 | 5,254 |
| Average total loans | $28,785,670 | 4,953 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 3,636 |
| Cost of funding earning assets | 0.4538% | 3,178 |
| Net interest margin | 3.5378% | 3,396 |
| Noninterest income to average assets | 0.4791% | 2,944 |
| Noninterest expense to average assets | 3.2320% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5363% | 4,615 |
| Return on assets (ROA) | 0.5363% | 4,618 |
| Pretax return on assets | 0.5363% | 4,816 |
| Return on Equity (ROE) | 6.9324% | 3,809 |
| Retained earnings to average equity (ytd only) | -12.4783% | 5,417 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7685% | 664 |
| Assets per employee ($millions) | 3.5726% | 4,581 |
| Cash dividends to net income (ytd only)* | 280.0000% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,235 |
| Loan loss allowance to noncurrent loans | 130.0813% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 2,412 |
| Noncurrent loans to loans | 0.8638% | 2,092 |
| Net loans and leases to total assets | 49.2644% | 4,609 |
| Net loans and leases to deposits | 53.6320% | 4,817 |
| Net loans and leases to core deposits | 55.5260% | 4,853 |
| Total domestic deposits to total assets | 91.8563% | 125 |
| Equity capital to assets | 7.1570% | 5,496 |
| Core capital (leverage) ratio | 8.8940% | 4,807 |
| Tier 1 risk-based capital ratio | 14.7729% | 2,994 |
| Total risk-based capital ratio | 15.7235% | 3,044 |
| Memoranda: | ||
| Average total assets | $55,940,000 | 5,004 |
| Average earning assets | $52,010,000 | 4,992 |
| Average equity | $4,327,500 | 5,310 |
| Average total loans | $28,021,000 | 5,021 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,532 |
| Cost of funding earning assets | 0.4223% | 3,034 |
| Net interest margin | 3.8190% | 2,356 |
| Noninterest income to average assets | 0.4779% | 3,143 |
| Noninterest expense to average assets | 3.2024% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7978% | 3,166 |
| Return on assets (ROA) | 0.7997% | 3,205 |
| Pretax return on assets | 0.7997% | 4,244 |
| Return on Equity (ROE) | 9.6644% | 2,026 |
| Retained earnings to average equity (ytd only) | 4.2068% | 2,641 |
| Net charge-offs to loans | -0.0073% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0564% | 1,096 |
| Assets per employee ($millions) | 3.6479% | 4,508 |
| Cash dividends to net income (ytd only)* | 56.4706% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,002 |
| Loan loss allowance to noncurrent loans | 130.0813% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 2,328 |
| Noncurrent loans to loans | 0.8925% | 1,992 |
| Net loans and leases to total assets | 49.7853% | 4,656 |
| Net loans and leases to deposits | 54.9577% | 4,851 |
| Net loans and leases to core deposits | 56.4274% | 4,922 |
| Total domestic deposits to total assets | 90.5883% | 367 |
| Equity capital to assets | 8.3408% | 5,237 |
| Core capital (leverage) ratio | 9.3514% | 4,229 |
| Tier 1 risk-based capital ratio | 15.9600% | 2,442 |
| Total risk-based capital ratio | 16.9599% | 2,487 |
| Memoranda: | ||
| Average total assets | $53,147,800 | 5,098 |
| Average earning assets | $49,017,600 | 5,085 |
| Average equity | $4,397,600 | 5,360 |
| Average total loans | $27,216,600 | 5,089 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,373 |
| Cost of funding earning assets | 0.4117% | 3,072 |
| Net interest margin | 3.8557% | 2,202 |
| Noninterest income to average assets | 0.4878% | 3,099 |
| Noninterest expense to average assets | 3.2224% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8163% | 3,461 |
| Return on assets (ROA) | 0.8189% | 3,485 |
| Pretax return on assets | 0.8189% | 4,303 |
| Return on Equity (ROE) | 9.9171% | 2,169 |
| Retained earnings to average equity (ytd only) | 2.5712% | 4,344 |
| Net charge-offs to loans | -0.0049% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7872% | 1,130 |
| Assets per employee ($millions) | 3.6418% | 4,529 |
| Cash dividends to net income (ytd only)* | 74.0735% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 3,048 |
| Loan loss allowance to noncurrent loans | 90.3683% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 1,710 |
| Noncurrent loans to loans | 1.3030% | 1,467 |
| Net loans and leases to total assets | 49.0087% | 4,767 |
| Net loans and leases to deposits | 54.2229% | 4,952 |
| Net loans and leases to core deposits | 55.6787% | 5,008 |
| Total domestic deposits to total assets | 90.3839% | 355 |
| Equity capital to assets | 8.4793% | 5,298 |
| Core capital (leverage) ratio | 9.2806% | 4,429 |
| Tier 1 risk-based capital ratio | 16.0481% | 2,481 |
| Total risk-based capital ratio | 17.0705% | 2,516 |
| Memoranda: | ||
| Average total assets | $52,755,000 | 5,160 |
| Average earning assets | $48,584,750 | 5,153 |
| Average equity | $4,356,000 | 5,423 |
| Average total loans | $27,130,250 | 5,148 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 1,908 |
| Cost of funding earning assets | 0.3838% | 3,254 |
| Net interest margin | 3.9885% | 1,645 |
| Noninterest income to average assets | 0.5064% | 2,980 |
| Noninterest expense to average assets | 3.2457% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9284% | 2,769 |
| Return on assets (ROA) | 0.9323% | 2,813 |
| Pretax return on assets | 0.9323% | 3,820 |
| Return on Equity (ROE) | 11.3977% | 1,499 |
| Retained earnings to average equity (ytd only) | 0.1407% | 5,039 |
| Net charge-offs to loans | -0.0147% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7574% | 1,498 |
| Assets per employee ($millions) | 3.5486% | 4,651 |
| Cash dividends to net income (ytd only)* | 98.7654% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 3,301 |
| Loan loss allowance to noncurrent loans | 87.1935% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 1,674 |
| Noncurrent loans to loans | 1.3221% | 1,464 |
| Net loans and leases to total assets | 51.5471% | 4,608 |
| Net loans and leases to deposits | 57.0508% | 4,800 |
| Net loans and leases to core deposits | 58.6244% | 4,892 |
| Total domestic deposits to total assets | 90.3530% | 408 |
| Equity capital to assets | 8.5386% | 5,276 |
| Core capital (leverage) ratio | 9.4744% | 4,154 |
| Tier 1 risk-based capital ratio | 15.6764% | 2,632 |
| Total risk-based capital ratio | 16.6948% | 2,667 |
| Memoranda: | ||
| Average total assets | $52,131,000 | 5,211 |
| Average earning assets | $47,937,670 | 5,197 |
| Average equity | $4,264,000 | 5,481 |
| Average total loans | $27,143,330 | 5,186 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 1,283 |
| Cost of funding earning assets | 0.3802% | 3,203 |
| Net interest margin | 4.1572% | 1,075 |
| Noninterest income to average assets | 0.4032% | 3,638 |
| Noninterest expense to average assets | 3.2492% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9693% | 2,439 |
| Return on assets (ROA) | 0.9693% | 2,490 |
| Pretax return on assets | 0.9693% | 3,497 |
| Return on Equity (ROE) | 12.1256% | 1,199 |
| Retained earnings to average equity (ytd only) | -11.1556% | 5,604 |
| Net charge-offs to loans | -0.0149% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0221% | 1,754 |
| Assets per employee ($millions) | 3.4783% | 4,821 |
| Cash dividends to net income (ytd only)* | 192.0000% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 3,164 |
| Loan loss allowance to noncurrent loans | 96.9605% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 1,743 |
| Noncurrent loans to loans | 1.2327% | 1,641 |
| Net loans and leases to total assets | 50.5414% | 4,628 |
| Net loans and leases to deposits | 55.5942% | 4,845 |
| Net loans and leases to core deposits | 57.1398% | 4,919 |
| Total domestic deposits to total assets | 90.9114% | 326 |
| Equity capital to assets | 7.9425% | 5,544 |
| Core capital (leverage) ratio | 9.1759% | 4,517 |
| Tier 1 risk-based capital ratio | 16.0000% | 2,548 |
| Total risk-based capital ratio | 17.0582% | 2,566 |
| Memoranda: | ||
| Average total assets | $51,582,000 | 5,280 |
| Average earning assets | $47,339,000 | 5,266 |
| Average equity | $4,123,500 | 5,560 |
| Average total loans | $26,836,000 | 5,244 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 2,937 |
| Cost of funding earning assets | 0.4002% | 2,996 |
| Net interest margin | 3.6760% | 2,796 |
| Noninterest income to average assets | 0.3346% | 4,344 |
| Noninterest expense to average assets | 3.1000% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6030% | 4,197 |
| Return on assets (ROA) | 0.7032% | 3,876 |
| Pretax return on assets | 0.7032% | 4,475 |
| Return on Equity (ROE) | 8.2094% | 2,826 |
| Retained earnings to average equity (ytd only) | 6.3336% | 1,535 |
| Net charge-offs to loans | -0.0785% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7162% | 1,039 |
| Assets per employee ($millions) | 3.6421% | 4,554 |
| Cash dividends to net income (ytd only)* | 22.8495% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,249 |
| Loan loss allowance to noncurrent loans | 100.6329% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 1,624 |
| Noncurrent loans to loans | 1.1711% | 1,755 |
| Net loans and leases to total assets | 52.2956% | 4,578 |
| Net loans and leases to deposits | 57.6329% | 4,819 |
| Net loans and leases to core deposits | 59.6492% | 4,877 |
| Total domestic deposits to total assets | 90.7392% | 373 |
| Equity capital to assets | 8.0468% | 5,542 |
| Core capital (leverage) ratio | 9.5116% | 4,068 |
| Tier 1 risk-based capital ratio | 16.4297% | 2,373 |
| Total risk-based capital ratio | 17.4910% | 2,393 |
| Memoranda: | ||
| Average total assets | $52,902,600 | 5,290 |
| Average earning assets | $48,476,200 | 5,276 |
| Average equity | $4,531,400 | 5,552 |
| Average total loans | $26,737,400 | 5,302 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,195 |
| Cost of funding earning assets | 0.4032% | 2,987 |
| Net interest margin | 3.6066% | 3,048 |
| Noninterest income to average assets | 0.4321% | 3,678 |
| Noninterest expense to average assets | 3.1896% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5495% | 4,498 |
| Return on assets (ROA) | 0.6569% | 4,168 |
| Pretax return on assets | 0.6569% | 4,720 |
| Return on Equity (ROE) | 7.5598% | 3,261 |
| Retained earnings to average equity (ytd only) | 5.1165% | 2,743 |
| Net charge-offs to loans | -0.1000% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3039% | 875 |
| Assets per employee ($millions) | 3.7024% | 4,469 |
| Cash dividends to net income (ytd only)* | 32.3191% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,540 |
| Loan loss allowance to noncurrent loans | 108.5616% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 824 |
| Noncurrent loans to loans | 1.0588% | 2,128 |
| Net loans and leases to total assets | 52.5958% | 4,604 |
| Net loans and leases to deposits | 58.8164% | 4,830 |
| Net loans and leases to core deposits | 60.8703% | 4,893 |
| Total domestic deposits to total assets | 89.4237% | 713 |
| Equity capital to assets | 9.3068% | 4,857 |
| Core capital (leverage) ratio | 9.2866% | 4,474 |
| Tier 1 risk-based capital ratio | 15.7053% | 2,750 |
| Total risk-based capital ratio | 16.7395% | 2,768 |
| Memoranda: | ||
| Average total assets | $53,381,000 | 5,336 |
| Average earning assets | $48,945,500 | 5,320 |
| Average equity | $4,638,500 | 5,589 |
| Average total loans | $26,676,000 | 5,356 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 3,496 |
| Cost of funding earning assets | 0.4040% | 2,991 |
| Net interest margin | 3.5269% | 3,382 |
| Noninterest income to average assets | 0.4305% | 3,660 |
| Noninterest expense to average assets | 3.0428% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6271% | 4,156 |
| Return on assets (ROA) | 0.6271% | 4,288 |
| Pretax return on assets | 0.6271% | 4,822 |
| Return on Equity (ROE) | 7.3853% | 3,325 |
| Retained earnings to average equity (ytd only) | 3.6708% | 3,554 |
| Net charge-offs to loans | -0.1365% | 5,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9120% | 1,160 |
| Assets per employee ($millions) | 3.8232% | 4,229 |
| Cash dividends to net income (ytd only)* | 50.2959% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,457 |
| Loan loss allowance to noncurrent loans | 123.5294% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.8739% | 904 |
| Noncurrent loans to loans | 0.9562% | 2,368 |
| Net loans and leases to total assets | 49.2368% | 4,893 |
| Net loans and leases to deposits | 54.8482% | 5,086 |
| Net loans and leases to core deposits | 56.3529% | 5,149 |
| Total domestic deposits to total assets | 89.7693% | 574 |
| Equity capital to assets | 9.0444% | 5,206 |
| Core capital (leverage) ratio | 8.7944% | 5,064 |
| Tier 1 risk-based capital ratio | 15.5968% | 2,825 |
| Total risk-based capital ratio | 16.6375% | 2,840 |
| Memoranda: | ||
| Average total assets | $53,897,000 | 5,375 |
| Average earning assets | $49,505,000 | 5,362 |
| Average equity | $4,576,670 | 5,660 |
| Average total loans | $26,375,000 | 5,422 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,558 |
| Cost of funding earning assets | 0.4101% | 2,962 |
| Net interest margin | 3.4982% | 3,484 |
| Noninterest income to average assets | 0.4068% | 3,770 |
| Noninterest expense to average assets | 3.0250% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5991% | 4,179 |
| Return on assets (ROA) | 0.5991% | 4,295 |
| Pretax return on assets | 0.5991% | 4,825 |
| Return on Equity (ROE) | 7.2899% | 3,295 |
| Retained earnings to average equity (ytd only) | -0.3600% | 5,178 |
| Net charge-offs to loans | -0.0305% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4694% | 1,207 |
| Assets per employee ($millions) | 3.9142% | 4,099 |
| Cash dividends to net income (ytd only)* | 104.9383% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 3,782 |
| Loan loss allowance to noncurrent loans | 116.3424% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 999 |
| Noncurrent loans to loans | 0.9866% | 2,412 |
| Net loans and leases to total assets | 46.9881% | 5,049 |
| Net loans and leases to deposits | 51.9259% | 5,233 |
| Net loans and leases to core deposits | 53.3028% | 5,299 |
| Total domestic deposits to total assets | 90.4907% | 434 |
| Equity capital to assets | 8.3450% | 5,667 |
| Core capital (leverage) ratio | 8.5868% | 5,304 |
| Tier 1 risk-based capital ratio | 15.3647% | 2,987 |
| Total risk-based capital ratio | 16.3565% | 3,042 |
| Memoranda: | ||
| Average total assets | $54,083,000 | 5,421 |
| Average earning assets | $49,740,500 | 5,407 |
| Average equity | $4,444,500 | 5,732 |
| Average total loans | $26,228,000 | 5,476 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,689 |
| Cost of funding earning assets | 0.4266% | 2,875 |
| Net interest margin | 3.4785% | 3,601 |
| Noninterest income to average assets | 0.6529% | 2,446 |
| Noninterest expense to average assets | 3.4948% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3162% | 5,316 |
| Return on assets (ROA) | 0.3181% | 5,389 |
| Pretax return on assets | 0.3181% | 5,485 |
| Return on Equity (ROE) | 4.0155% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.0155% | 3,166 |
| Net charge-offs to loans | 0.4968% | 536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.3520% | 4,104 |
| Efficiency ratio | 91.7035% | 585 |
| Assets per employee ($millions) | 3.8119% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,901 |
| Loan loss allowance to noncurrent loans | 116.0156% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.8813% | 974 |
| Noncurrent loans to loans | 0.9694% | 2,395 |
| Net loans and leases to total assets | 48.9272% | 4,945 |
| Net loans and leases to deposits | 53.9528% | 5,166 |
| Net loans and leases to core deposits | 55.3551% | 5,234 |
| Total domestic deposits to total assets | 90.6853% | 384 |
| Equity capital to assets | 8.0874% | 5,819 |
| Core capital (leverage) ratio | 8.7394% | 5,176 |
| Tier 1 risk-based capital ratio | 15.2751% | 3,047 |
| Total risk-based capital ratio | 16.2537% | 3,107 |
| Memoranda: | ||
| Average total assets | $53,450,400 | 5,473 |
| Average earning assets | $48,527,000 | 5,469 |
| Average equity | $4,233,600 | 5,812 |
| Average total loans | $25,161,600 | 5,551 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 3,783 |
| Cost of funding earning assets | 0.4324% | 2,877 |
| Net interest margin | 3.4540% | 3,736 |
| Noninterest income to average assets | 0.7306% | 2,107 |
| Noninterest expense to average assets | 3.4136% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4438% | 4,993 |
| Return on assets (ROA) | 0.4463% | 5,078 |
| Pretax return on assets | 0.4463% | 5,358 |
| Return on Equity (ROE) | 5.6648% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.6648% | 2,480 |
| Net charge-offs to loans | 0.2414% | 1,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.9555% | 3,428 |
| Efficiency ratio | 88.4939% | 802 |
| Assets per employee ($millions) | 3.7395% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 2,451 |
| Loan loss allowance to noncurrent loans | 86.0731% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.9760% | 513 |
| Noncurrent loans to loans | 1.6629% | 1,471 |
| Net loans and leases to total assets | 49.5903% | 4,964 |
| Net loans and leases to deposits | 54.9158% | 5,188 |
| Net loans and leases to core deposits | 56.3779% | 5,284 |
| Total domestic deposits to total assets | 90.3024% | 465 |
| Equity capital to assets | 8.3701% | 5,787 |
| Core capital (leverage) ratio | 8.7617% | 5,286 |
| Tier 1 risk-based capital ratio | 15.6318% | 2,984 |
| Total risk-based capital ratio | 16.8804% | 2,912 |
| Memoranda: | ||
| Average total assets | $53,471,250 | 5,543 |
| Average earning assets | $48,406,750 | 5,545 |
| Average equity | $4,213,000 | 5,896 |
| Average total loans | $24,850,000 | 5,625 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,070 |
| Cost of funding earning assets | 0.4313% | 2,923 |
| Net interest margin | 3.3679% | 4,022 |
| Noninterest income to average assets | 0.4680% | 3,572 |
| Noninterest expense to average assets | 3.3393% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1746% | 5,751 |
| Return on assets (ROA) | 0.1783% | 5,804 |
| Pretax return on assets | 0.1783% | 5,849 |
| Return on Equity (ROE) | 2.3095% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.3095% | 4,571 |
| Net charge-offs to loans | -0.2299% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0317% | 479 |
| Assets per employee ($millions) | 3.8214% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 1,380 |
| Loan loss allowance to noncurrent loans | 88.4314% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 3.0467% | 547 |
| Noncurrent loans to loans | 2.0315% | 1,191 |
| Net loans and leases to total assets | 46.0804% | 5,237 |
| Net loans and leases to deposits | 50.7023% | 5,467 |
| Net loans and leases to core deposits | 52.0138% | 5,537 |
| Total domestic deposits to total assets | 90.8841% | 325 |
| Equity capital to assets | 7.6411% | 6,087 |
| Core capital (leverage) ratio | 8.3977% | 5,638 |
| Tier 1 risk-based capital ratio | 15.7838% | 2,964 |
| Total risk-based capital ratio | 17.0356% | 2,920 |
| Memoranda: | ||
| Average total assets | $53,844,000 | 5,590 |
| Average earning assets | $48,695,000 | 5,590 |
| Average equity | $4,156,670 | 5,966 |
| Average total loans | $24,353,670 | 5,695 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 4,246 |
| Cost of funding earning assets | 0.4660% | 2,601 |
| Net interest margin | 3.2698% | 4,345 |
| Noninterest income to average assets | 0.4591% | 3,579 |
| Noninterest expense to average assets | 3.4360% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0148% | 6,029 |
| Return on assets (ROA) | -0.0148% | 6,068 |
| Pretax return on assets | -0.0148% | 6,060 |
| Return on Equity (ROE) | -0.1909% | 6,073 |
| Retained earnings to average equity (ytd only) | -0.1909% | 5,413 |
| Net charge-offs to loans | -0.0167% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4329% | 357 |
| Assets per employee ($millions) | 3.9021% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 1,709 |
| Loan loss allowance to noncurrent loans | 103.6765% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.8227% | 697 |
| Noncurrent loans to loans | 1.6504% | 1,687 |
| Net loans and leases to total assets | 44.4800% | 5,314 |
| Net loans and leases to deposits | 49.0097% | 5,515 |
| Net loans and leases to core deposits | 50.2492% | 5,579 |
| Total domestic deposits to total assets | 90.7577% | 453 |
| Equity capital to assets | 7.7761% | 6,108 |
| Core capital (leverage) ratio | 8.2083% | 5,801 |
| Tier 1 risk-based capital ratio | 16.1091% | 2,869 |
| Total risk-based capital ratio | 17.3613% | 2,804 |
| Memoranda: | ||
| Average total assets | $54,016,000 | 5,638 |
| Average earning assets | $48,932,000 | 5,637 |
| Average equity | $4,191,000 | 6,016 |
| Average total loans | $23,978,500 | 5,753 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7246% | 4,716 |
| Cost of funding earning assets | 0.4768% | 2,919 |
| Net interest margin | 3.2479% | 4,757 |
| Noninterest income to average assets | 0.4484% | 3,839 |
| Noninterest expense to average assets | 3.2427% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0927% | 5,961 |
| Return on assets (ROA) | 0.1419% | 5,939 |
| Pretax return on assets | 0.1419% | 5,952 |
| Return on Equity (ROE) | 2.1381% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.1381% | 4,710 |
| Net charge-offs to loans | 0.1748% | 2,276 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.1951% | 4,478 |
| Efficiency ratio | 97.2206% | 455 |
| Assets per employee ($millions) | 3.8145% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 1,499 |
| Loan loss allowance to noncurrent loans | 104.7146% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.8781% | 734 |
| Noncurrent loans to loans | 1.7345% | 1,672 |
| Net loans and leases to total assets | 42.7186% | 5,564 |
| Net loans and leases to deposits | 47.0633% | 5,740 |
| Net loans and leases to core deposits | 48.2815% | 5,800 |
| Total domestic deposits to total assets | 90.7683% | 437 |
| Equity capital to assets | 7.7411% | 6,162 |
| Core capital (leverage) ratio | 8.3793% | 5,692 |
| Tier 1 risk-based capital ratio | 17.0179% | 2,509 |
| Total risk-based capital ratio | 18.2715% | 2,458 |
| Memoranda: | ||
| Average total assets | $52,857,000 | 5,721 |
| Average earning assets | $46,984,600 | 5,753 |
| Average equity | $3,507,800 | 6,180 |
| Average total loans | $23,449,600 | 5,841 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 4,642 |
| Cost of funding earning assets | 0.4797% | 2,960 |
| Net interest margin | 3.2949% | 4,622 |
| Noninterest income to average assets | 0.4653% | 3,766 |
| Noninterest expense to average assets | 3.3585% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0253% | 6,117 |
| Return on assets (ROA) | 0.0253% | 6,137 |
| Pretax return on assets | 0.0253% | 6,127 |
| Return on Equity (ROE) | 0.3978% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.3978% | 5,689 |
| Net charge-offs to loans | 0.2269% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 4,417 |
| Efficiency ratio | 99.2526% | 393 |
| Assets per employee ($millions) | 3.4983% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 1,722 |
| Loan loss allowance to noncurrent loans | 54.0921% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.8056% | 538 |
| Noncurrent loans to loans | 3.3060% | 754 |
| Net loans and leases to total assets | 44.2706% | 5,506 |
| Net loans and leases to deposits | 48.3818% | 5,746 |
| Net loans and leases to core deposits | 49.6463% | 5,807 |
| Total domestic deposits to total assets | 91.5026% | 232 |
| Equity capital to assets | 7.0357% | 6,377 |
| Core capital (leverage) ratio | 8.2687% | 5,869 |
| Tier 1 risk-based capital ratio | 16.5526% | 2,795 |
| Total risk-based capital ratio | 17.8050% | 2,743 |
| Memoranda: | ||
| Average total assets | $52,720,500 | 5,790 |
| Average earning assets | $46,698,000 | 5,823 |
| Average equity | $3,351,250 | 6,277 |
| Average total loans | $23,503,250 | 5,900 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 4,471 |
| Cost of funding earning assets | 0.4817% | 3,007 |
| Net interest margin | 3.3331% | 4,461 |
| Noninterest income to average assets | 0.4129% | 4,147 |
| Noninterest expense to average assets | 3.3483% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0000% | 6,188 |
| Return on assets (ROA) | 0.0000% | 6,209 |
| Pretax return on assets | 0.0000% | 6,195 |
| Return on Equity (ROE) | 0.0000% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,678 |
| Net charge-offs to loans | 0.2899% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,128 |
| Efficiency ratio | 100.0000% | 401 |
| Assets per employee ($millions) | 4.0578% | 3,715 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 1,621 |
| Loan loss allowance to noncurrent loans | 78.5714% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 3.9336% | 552 |
| Noncurrent loans to loans | 2.3980% | 1,321 |
| Net loans and leases to total assets | 42.3499% | 5,653 |
| Net loans and leases to deposits | 46.1361% | 5,880 |
| Net loans and leases to core deposits | 47.3315% | 5,936 |
| Total domestic deposits to total assets | 91.7935% | 199 |
| Equity capital to assets | 6.7620% | 6,471 |
| Core capital (leverage) ratio | 8.0931% | 6,024 |
| Tier 1 risk-based capital ratio | 16.2943% | 2,932 |
| Total risk-based capital ratio | 17.5488% | 2,874 |
| Memoranda: | ||
| Average total assets | $52,802,330 | 5,837 |
| Average earning assets | $46,502,670 | 5,875 |
| Average equity | $3,237,670 | 6,346 |
| Average total loans | $23,453,000 | 5,950 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 4,199 |
| Cost of funding earning assets | 0.4767% | 3,156 |
| Net interest margin | 3.3975% | 4,126 |
| Noninterest income to average assets | 0.4694% | 3,634 |
| Noninterest expense to average assets | 3.3316% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1060% | 6,017 |
| Return on assets (ROA) | 0.1060% | 6,049 |
| Pretax return on assets | 0.1060% | 6,068 |
| Return on Equity (ROE) | 1.8223% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.8223% | 4,876 |
| Net charge-offs to loans | 0.6388% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3684% | 3,359 |
| Efficiency ratio | 96.9163% | 595 |
| Assets per employee ($millions) | 4.1331% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8166% | 1,986 |
| Loan loss allowance to noncurrent loans | 77.4135% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 4.0034% | 586 |
| Noncurrent loans to loans | 2.3467% | 1,504 |
| Net loans and leases to total assets | 42.7508% | 5,607 |
| Net loans and leases to deposits | 46.2685% | 5,831 |
| Net loans and leases to core deposits | 46.9494% | 5,937 |
| Total domestic deposits to total assets | 92.3972% | 180 |
| Equity capital to assets | 6.1065% | 6,563 |
| Core capital (leverage) ratio | 8.1847% | 5,961 |
| Tier 1 risk-based capital ratio | 15.8682% | 3,233 |
| Total risk-based capital ratio | 17.1218% | 3,194 |
| Memoranda: | ||
| Average total assets | $52,828,000 | 5,888 |
| Average earning assets | $46,151,500 | 5,936 |
| Average equity | $3,073,000 | 6,432 |
| Average total loans | $23,795,000 | 5,992 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 4,279 |
| Cost of funding earning assets | 0.4870% | 3,744 |
| Net interest margin | 3.4636% | 4,045 |
| Noninterest income to average assets | 0.2957% | 5,240 |
| Noninterest expense to average assets | 3.5744% | 1,494 |
| Loan and lease loss provision to assets | 0.4359% | 672 |
| Net operating income to assets | -0.7088% | 6,548 |
| Return on assets (ROA) | -0.6103% | 6,530 |
| Pretax return on assets | -0.6103% | 6,515 |
| Return on Equity (ROE) | -8.5493% | 6,564 |
| Retained earnings to average equity (ytd only) | -8.5493% | 6,506 |
| Net charge-offs to loans | 0.7666% | 821 |
| Credit loss provision to net charge-offs | 119.7917% | 1,998 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 5,238 |
| Efficiency ratio | 108.2664% | 297 |
| Assets per employee ($millions) | 3.7090% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 1,753 |
| Loan loss allowance to noncurrent loans | 65.6738% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 5.4790% | 394 |
| Noncurrent loans to loans | 2.9138% | 1,201 |
| Net loans and leases to total assets | 45.7035% | 5,517 |
| Net loans and leases to deposits | 49.2897% | 5,813 |
| Net loans and leases to core deposits | 49.9958% | 5,937 |
| Total domestic deposits to total assets | 92.7243% | 165 |
| Equity capital to assets | 5.5175% | 6,653 |
| Core capital (leverage) ratio | 8.0929% | 6,063 |
| Tier 1 risk-based capital ratio | 14.8226% | 3,767 |
| Total risk-based capital ratio | 16.0765% | 3,713 |
| Memoranda: | ||
| Average total assets | $52,764,400 | 5,946 |
| Average earning assets | $45,790,000 | 5,997 |
| Average equity | $3,766,400 | 6,378 |
| Average total loans | $25,044,800 | 5,985 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 4,500 |
| Cost of funding earning assets | 0.4847% | 3,920 |
| Net interest margin | 3.4164% | 4,222 |
| Noninterest income to average assets | 0.1913% | 6,036 |
| Noninterest expense to average assets | 3.5060% | 1,601 |
| Loan and lease loss provision to assets | 0.5789% | 428 |
| Net operating income to assets | -0.9312% | 6,699 |
| Return on assets (ROA) | -0.8004% | 6,679 |
| Pretax return on assets | -0.8004% | 6,659 |
| Return on Equity (ROE) | -10.6217% | 6,697 |
| Retained earnings to average equity (ytd only) | -10.6217% | 6,653 |
| Net charge-offs to loans | 1.0241% | 554 |
| Credit loss provision to net charge-offs | 118.5567% | 1,983 |
| Earnings coverage of net charge-offs (x) | -0.7216% | 4,981 |
| Efficiency ratio | 111.1732% | 254 |
| Assets per employee ($millions) | 3.6769% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,288 |
| Loan loss allowance to noncurrent loans | 76.1983% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 5.3442% | 505 |
| Noncurrent loans to loans | 2.3686% | 1,859 |
| Net loans and leases to total assets | 48.7237% | 5,274 |
| Net loans and leases to deposits | 52.8299% | 5,639 |
| Net loans and leases to core deposits | 53.5976% | 5,797 |
| Total domestic deposits to total assets | 92.2274% | 217 |
| Equity capital to assets | 5.6123% | 6,726 |
| Core capital (leverage) ratio | 8.1827% | 6,082 |
| Tier 1 risk-based capital ratio | 14.4545% | 4,102 |
| Total risk-based capital ratio | 15.7098% | 4,058 |
| Memoranda: | ||
| Average total assets | $52,974,000 | 6,011 |
| Average earning assets | $45,934,250 | 6,057 |
| Average equity | $3,991,750 | 6,402 |
| Average total loans | $25,257,250 | 6,023 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,901 |
| Cost of funding earning assets | 0.4927% | 3,966 |
| Net interest margin | 3.2846% | 4,640 |
| Noninterest income to average assets | 0.2880% | 5,392 |
| Noninterest expense to average assets | 3.4260% | 1,771 |
| Loan and lease loss provision to assets | 0.2244% | 1,687 |
| Net operating income to assets | -0.5199% | 6,642 |
| Return on assets (ROA) | -0.3217% | 6,594 |
| Pretax return on assets | -0.3217% | 6,565 |
| Return on Equity (ROE) | -3.9456% | 6,617 |
| Retained earnings to average equity (ytd only) | -3.9456% | 6,393 |
| Net charge-offs to loans | -0.0238% | 6,028 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4385% | 287 |
| Assets per employee ($millions) | 3.5109% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 2,064 |
| Loan loss allowance to noncurrent loans | 41.6738% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 6.0060% | 453 |
| Noncurrent loans to loans | 4.6039% | 749 |
| Net loans and leases to total assets | 47.3701% | 5,386 |
| Net loans and leases to deposits | 52.2833% | 5,665 |
| Net loans and leases to core deposits | 53.0392% | 5,813 |
| Total domestic deposits to total assets | 90.6027% | 705 |
| Equity capital to assets | 7.2326% | 6,535 |
| Core capital (leverage) ratio | 8.5683% | 5,587 |
| Tier 1 risk-based capital ratio | 15.3619% | 3,556 |
| Total risk-based capital ratio | 16.6175% | 3,512 |
| Memoranda: | ||
| Average total assets | $53,473,330 | 6,034 |
| Average earning assets | $46,276,000 | 6,092 |
| Average equity | $4,359,330 | 6,372 |
| Average total loans | $25,162,330 | 6,060 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 5,004 |
| Cost of funding earning assets | 0.5080% | 3,996 |
| Net interest margin | 3.2372% | 4,769 |
| Noninterest income to average assets | 0.3712% | 4,694 |
| Noninterest expense to average assets | 3.5265% | 1,566 |
| Loan and lease loss provision to assets | 0.2227% | 1,656 |
| Net operating income to assets | -0.5865% | 6,709 |
| Return on assets (ROA) | -0.4158% | 6,669 |
| Pretax return on assets | -0.4158% | 6,642 |
| Return on Equity (ROE) | -4.8333% | 6,687 |
| Retained earnings to average equity (ytd only) | -4.8333% | 6,353 |
| Net charge-offs to loans | -0.0320% | 5,923 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5023% | 311 |
| Assets per employee ($millions) | 3.5645% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 2,482 |
| Loan loss allowance to noncurrent loans | 44.8479% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 5.8129% | 564 |
| Noncurrent loans to loans | 4.1016% | 1,080 |
| Net loans and leases to total assets | 45.6113% | 5,476 |
| Net loans and leases to deposits | 51.2095% | 5,691 |
| Net loans and leases to core deposits | 51.9513% | 5,827 |
| Total domestic deposits to total assets | 89.0680% | 1,647 |
| Equity capital to assets | 8.4744% | 6,043 |
| Core capital (leverage) ratio | 8.5536% | 5,504 |
| Tier 1 risk-based capital ratio | 16.0281% | 3,249 |
| Total risk-based capital ratio | 17.2841% | 3,206 |
| Memoranda: | ||
| Average total assets | $53,878,000 | 6,086 |
| Average earning assets | $46,460,000 | 6,143 |
| Average equity | $4,634,500 | 6,356 |
| Average total loans | $25,026,000 | 6,118 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 4,942 |
| Cost of funding earning assets | 0.6026% | 4,327 |
| Net interest margin | 3.4991% | 4,508 |
| Noninterest income to average assets | 0.0602% | 6,656 |
| Noninterest expense to average assets | 3.5619% | 1,698 |
| Loan and lease loss provision to assets | 0.2190% | 2,944 |
| Net operating income to assets | -0.7007% | 6,649 |
| Return on assets (ROA) | -0.6186% | 6,649 |
| Pretax return on assets | -0.6186% | 6,621 |
| Return on Equity (ROE) | -7.0247% | 6,657 |
| Retained earnings to average equity (ytd only) | -7.0247% | 6,530 |
| Net charge-offs to loans | 1.3312% | 719 |
| Credit loss provision to net charge-offs | 34.2857% | 5,037 |
| Earnings coverage of net charge-offs (x) | -0.7543% | 5,723 |
| Efficiency ratio | 115.6398% | 254 |
| Assets per employee ($millions) | 3.8778% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 2,984 |
| Loan loss allowance to noncurrent loans | 42.1627% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 5.8944% | 595 |
| Noncurrent loans to loans | 3.9987% | 1,173 |
| Net loans and leases to total assets | 45.6501% | 5,653 |
| Net loans and leases to deposits | 51.4426% | 5,854 |
| Net loans and leases to core deposits | 52.4552% | 5,982 |
| Total domestic deposits to total assets | 88.7399% | 1,738 |
| Equity capital to assets | 8.7274% | 5,822 |
| Core capital (leverage) ratio | 8.6278% | 5,428 |
| Tier 1 risk-based capital ratio | 16.0300% | 3,146 |
| Total risk-based capital ratio | 17.2813% | 3,095 |
| Memoranda: | ||
| Average total assets | $54,802,600 | 6,053 |
| Average earning assets | $47,298,200 | 6,142 |
| Average equity | $4,825,800 | 6,345 |
| Average total loans | $26,292,400 | 6,123 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 4,841 |
| Cost of funding earning assets | 0.6228% | 4,425 |
| Net interest margin | 3.5704% | 4,353 |
| Noninterest income to average assets | -0.0825% | 7,013 |
| Noninterest expense to average assets | 3.5535% | 1,646 |
| Loan and lease loss provision to assets | 0.2185% | 2,877 |
| Net operating income to assets | -0.7791% | 6,802 |
| Return on assets (ROA) | -0.7330% | 6,816 |
| Pretax return on assets | -0.7330% | 6,790 |
| Return on Equity (ROE) | -8.3061% | 6,823 |
| Retained earnings to average equity (ytd only) | -8.3061% | 6,763 |
| Net charge-offs to loans | 1.5058% | 568 |
| Credit loss provision to net charge-offs | 30.0000% | 4,802 |
| Earnings coverage of net charge-offs (x) | -0.7700% | 5,548 |
| Efficiency ratio | 118.7348% | 205 |
| Assets per employee ($millions) | 3.7510% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 2,929 |
| Loan loss allowance to noncurrent loans | 46.3542% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 6.1241% | 644 |
| Noncurrent loans to loans | 3.7982% | 1,392 |
| Net loans and leases to total assets | 47.2826% | 5,628 |
| Net loans and leases to deposits | 53.5164% | 5,843 |
| Net loans and leases to core deposits | 54.3124% | 6,028 |
| Total domestic deposits to total assets | 88.3517% | 1,811 |
| Equity capital to assets | 9.0128% | 5,812 |
| Core capital (leverage) ratio | 8.5930% | 5,632 |
| Tier 1 risk-based capital ratio | 16.4224% | 3,046 |
| Total risk-based capital ratio | 17.6761% | 3,009 |
| Memoranda: | ||
| Average total assets | $54,931,000 | 6,126 |
| Average earning assets | $47,313,250 | 6,215 |
| Average equity | $4,847,750 | 6,411 |
| Average total loans | $26,563,500 | 6,190 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 4,828 |
| Cost of funding earning assets | 0.6421% | 4,512 |
| Net interest margin | 3.5942% | 4,286 |
| Noninterest income to average assets | -0.3732% | 7,172 |
| Noninterest expense to average assets | 3.4555% | 1,893 |
| Loan and lease loss provision to assets | 0.2153% | 2,920 |
| Net operating income to assets | -0.9509% | 6,896 |
| Return on assets (ROA) | -0.9509% | 6,915 |
| Pretax return on assets | -0.9509% | 6,884 |
| Return on Equity (ROE) | -10.8473% | 6,921 |
| Retained earnings to average equity (ytd only) | -10.8473% | 6,855 |
| Net charge-offs to loans | 1.1262% | 959 |
| Credit loss provision to net charge-offs | 39.4737% | 4,272 |
| Earnings coverage of net charge-offs (x) | -1.3487% | 5,342 |
| Efficiency ratio | 127.0449% | 181 |
| Assets per employee ($millions) | 3.7521% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 1,877 |
| Loan loss allowance to noncurrent loans | 112.3752% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 5.1793% | 901 |
| Noncurrent loans to loans | 1.9157% | 3,051 |
| Net loans and leases to total assets | 45.4675% | 5,867 |
| Net loans and leases to deposits | 51.1115% | 6,096 |
| Net loans and leases to core deposits | 51.8153% | 6,248 |
| Total domestic deposits to total assets | 88.9574% | 1,534 |
| Equity capital to assets | 8.4912% | 6,215 |
| Core capital (leverage) ratio | 8.3051% | 5,902 |
| Tier 1 risk-based capital ratio | 15.8147% | 3,267 |
| Total risk-based capital ratio | 17.0733% | 3,228 |
| Memoranda: | ||
| Average total assets | $55,736,670 | 6,142 |
| Average earning assets | $47,966,330 | 6,235 |
| Average equity | $4,886,000 | 6,420 |
| Average total loans | $26,993,000 | 6,203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 5,160 |
| Cost of funding earning assets | 0.6509% | 4,728 |
| Net interest margin | 3.5345% | 4,548 |
| Noninterest income to average assets | 0.3173% | 5,338 |
| Noninterest expense to average assets | 3.5194% | 1,718 |
| Loan and lease loss provision to assets | 0.2164% | 2,775 |
| Net operating income to assets | -0.3245% | 6,721 |
| Return on assets (ROA) | -0.3245% | 6,762 |
| Pretax return on assets | -0.3245% | 6,745 |
| Return on Equity (ROE) | -3.6441% | 6,785 |
| Retained earnings to average equity (ytd only) | -3.6441% | 6,460 |
| Net charge-offs to loans | 0.1167% | 3,418 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | -1.8750% | 4,607 |
| Efficiency ratio | 103.1712% | 469 |
| Assets per employee ($millions) | 4.0115% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4596% | 1,414 |
| Loan loss allowance to noncurrent loans | 56.9386% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 6.1466% | 750 |
| Noncurrent loans to loans | 4.3197% | 1,383 |
| Net loans and leases to total assets | 47.8054% | 5,582 |
| Net loans and leases to deposits | 53.9225% | 5,816 |
| Net loans and leases to core deposits | 54.6691% | 6,007 |
| Total domestic deposits to total assets | 88.6558% | 1,912 |
| Equity capital to assets | 8.7160% | 5,854 |
| Core capital (leverage) ratio | 8.8200% | 5,108 |
| Tier 1 risk-based capital ratio | 15.9019% | 3,222 |
| Total risk-based capital ratio | 17.1625% | 3,187 |
| Memoranda: | ||
| Average total assets | $55,464,000 | 6,191 |
| Average earning assets | $48,550,000 | 6,258 |
| Average equity | $4,939,500 | 6,442 |
| Average total loans | $27,413,000 | 6,226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 4,301 |
| Cost of funding earning assets | 0.8422% | 4,526 |
| Net interest margin | 3.8446% | 3,597 |
| Noninterest income to average assets | -0.7456% | 7,301 |
| Noninterest expense to average assets | 3.8155% | 1,317 |
| Loan and lease loss provision to assets | 0.2869% | 3,364 |
| Net operating income to assets | -1.5697% | 6,921 |
| Return on assets (ROA) | -1.5697% | 6,943 |
| Pretax return on assets | -1.5697% | 6,915 |
| Return on Equity (ROE) | -17.0613% | 6,933 |
| Retained earnings to average equity (ytd only) | -17.0613% | 6,915 |
| Net charge-offs to loans | 0.9592% | 1,799 |
| Credit loss provision to net charge-offs | 58.8015% | 5,198 |
| Earnings coverage of net charge-offs (x) | -2.6292% | 6,307 |
| Efficiency ratio | 150.6494% | 141 |
| Assets per employee ($millions) | 3.2216% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 1,461 |
| Loan loss allowance to noncurrent loans | 82.7020% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 5.7809% | 875 |
| Noncurrent loans to loans | 2.9010% | 2,252 |
| Net loans and leases to total assets | 48.6534% | 5,761 |
| Net loans and leases to deposits | 55.1620% | 5,963 |
| Net loans and leases to core deposits | 56.5913% | 6,118 |
| Total domestic deposits to total assets | 88.2009% | 2,027 |
| Equity capital to assets | 9.1004% | 5,408 |
| Core capital (leverage) ratio | 9.1721% | 4,509 |
| Tier 1 risk-based capital ratio | 16.1703% | 2,966 |
| Total risk-based capital ratio | 17.4308% | 2,929 |
| Memoranda: | ||
| Average total assets | $54,724,000 | 6,207 |
| Average earning assets | $46,662,800 | 6,306 |
| Average equity | $5,034,800 | 6,435 |
| Average total loans | $27,835,200 | 6,258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 3,918 |
| Cost of funding earning assets | 0.8798% | 4,557 |
| Net interest margin | 3.9445% | 3,175 |
| Noninterest income to average assets | 0.6311% | 2,985 |
| Noninterest expense to average assets | 5.7194% | 231 |
| Loan and lease loss provision to assets | 0.3071% | 3,075 |
| Net operating income to assets | -2.0519% | 7,144 |
| Return on assets (ROA) | -2.0519% | 7,157 |
| Pretax return on assets | -2.0519% | 7,136 |
| Return on Equity (ROE) | -22.2415% | 7,125 |
| Retained earnings to average equity (ytd only) | -22.2415% | 7,114 |
| Net charge-offs to loans | 0.3861% | 3,188 |
| Credit loss provision to net charge-offs | 155.5556% | 1,998 |
| Earnings coverage of net charge-offs (x) | -8.8393% | 6,131 |
| Efficiency ratio | 143.8994% | 168 |
| Assets per employee ($millions) | 2.9805% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0228% | 846 |
| Loan loss allowance to noncurrent loans | 105.8824% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 6.3356% | 824 |
| Noncurrent loans to loans | 2.8549% | 2,440 |
| Net loans and leases to total assets | 48.4371% | 5,904 |
| Net loans and leases to deposits | 54.8459% | 6,134 |
| Net loans and leases to core deposits | 55.8107% | 6,332 |
| Total domestic deposits to total assets | 88.3148% | 1,863 |
| Equity capital to assets | 8.4121% | 6,385 |
| Core capital (leverage) ratio | 8.3341% | 5,933 |
| Tier 1 risk-based capital ratio | 15.0416% | 3,639 |
| Total risk-based capital ratio | 16.3105% | 3,600 |
| Memoranda: | ||
| Average total assets | $54,713,250 | 6,254 |
| Average earning assets | $46,375,500 | 6,368 |
| Average equity | $5,047,500 | 6,482 |
| Average total loans | $27,968,750 | 6,305 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 4,176 |
| Cost of funding earning assets | 0.9079% | 4,599 |
| Net interest margin | 3.8715% | 3,432 |
| Noninterest income to average assets | 0.6247% | 2,980 |
| Noninterest expense to average assets | 5.0301% | 363 |
| Loan and lease loss provision to assets | 0.2361% | 3,548 |
| Net operating income to assets | -1.3583% | 7,055 |
| Return on assets (ROA) | -1.3583% | 7,062 |
| Pretax return on assets | -1.3583% | 7,017 |
| Return on Equity (ROE) | -14.3140% | 7,047 |
| Retained earnings to average equity (ytd only) | -14.3140% | 7,014 |
| Net charge-offs to loans | 0.5007% | 2,605 |
| Credit loss provision to net charge-offs | 91.5493% | 3,413 |
| Earnings coverage of net charge-offs (x) | -4.3521% | 5,787 |
| Efficiency ratio | 128.7175% | 264 |
| Assets per employee ($millions) | 2.9923% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7759% | 1,096 |
| Loan loss allowance to noncurrent loans | 48.7789% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 8.5182% | 512 |
| Noncurrent loans to loans | 5.6909% | 1,088 |
| Net loans and leases to total assets | 49.3548% | 5,905 |
| Net loans and leases to deposits | 56.3952% | 6,101 |
| Net loans and leases to core deposits | 57.3911% | 6,315 |
| Total domestic deposits to total assets | 87.5160% | 2,459 |
| Equity capital to assets | 9.2442% | 5,209 |
| Core capital (leverage) ratio | 9.0058% | 4,714 |
| Tier 1 risk-based capital ratio | 16.2841% | 2,842 |
| Total risk-based capital ratio | 17.5506% | 2,804 |
| Memoranda: | ||
| Average total assets | $55,068,000 | 6,293 |
| Average earning assets | $46,700,670 | 6,414 |
| Average equity | $5,225,670 | 6,454 |
| Average total loans | $28,359,670 | 6,349 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 3,120 |
| Cost of funding earning assets | 0.9405% | 4,640 |
| Net interest margin | 4.0561% | 2,449 |
| Noninterest income to average assets | 0.5964% | 3,196 |
| Noninterest expense to average assets | 4.0595% | 967 |
| Loan and lease loss provision to assets | 0.2156% | 3,493 |
| Net operating income to assets | -0.2084% | 6,570 |
| Return on assets (ROA) | -0.2084% | 6,582 |
| Pretax return on assets | -0.2084% | 6,542 |
| Return on Equity (ROE) | -2.1686% | 6,602 |
| Retained earnings to average equity (ytd only) | -2.1686% | 6,174 |
| Net charge-offs to loans | 0.9283% | 1,437 |
| Credit loss provision to net charge-offs | 44.7761% | 3,854 |
| Earnings coverage of net charge-offs (x) | 0.0149% | 4,567 |
| Efficiency ratio | 99.8233% | 755 |
| Assets per employee ($millions) | 3.2853% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5564% | 1,376 |
| Loan loss allowance to noncurrent loans | 60.8696% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 7.9785% | 597 |
| Noncurrent loans to loans | 4.1999% | 1,702 |
| Net loans and leases to total assets | 49.6849% | 5,892 |
| Net loans and leases to deposits | 56.9374% | 6,035 |
| Net loans and leases to core deposits | 57.9093% | 6,264 |
| Total domestic deposits to total assets | 87.2623% | 2,792 |
| Equity capital to assets | 9.5363% | 4,386 |
| Core capital (leverage) ratio | 9.6730% | 3,562 |
| Tier 1 risk-based capital ratio | 16.6085% | 2,617 |
| Total risk-based capital ratio | 17.8723% | 2,589 |
| Memoranda: | ||
| Average total assets | $55,671,500 | 6,320 |
| Average earning assets | $47,632,500 | 6,429 |
| Average equity | $5,349,000 | 6,437 |
| Average total loans | $28,868,500 | 6,379 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 5,286 |
| Cost of funding earning assets | 1.2550% | 4,182 |
| Net interest margin | 3.5827% | 4,896 |
| Noninterest income to average assets | -0.7793% | 7,601 |
| Noninterest expense to average assets | 3.5187% | 2,125 |
| Loan and lease loss provision to assets | 1.9602% | 676 |
| Net operating income to assets | -3.2067% | 7,335 |
| Return on assets (ROA) | -3.2067% | 7,351 |
| Pretax return on assets | -3.2067% | 7,329 |
| Return on Equity (ROE) | -29.5754% | 7,221 |
| Retained earnings to average equity (ytd only) | -29.5754% | 7,209 |
| Net charge-offs to loans | 3.9970% | 317 |
| Credit loss provision to net charge-offs | 90.6699% | 5,104 |
| Earnings coverage of net charge-offs (x) | -0.5766% | 6,487 |
| Efficiency ratio | 154.8558% | 189 |
| Assets per employee ($millions) | 2.9207% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6145% | 1,276 |
| Loan loss allowance to noncurrent loans | 31.7296% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 9.2354% | 477 |
| Noncurrent loans to loans | 8.2399% | 615 |
| Net loans and leases to total assets | 51.3488% | 6,008 |
| Net loans and leases to deposits | 59.0264% | 6,150 |
| Net loans and leases to core deposits | 60.0438% | 6,387 |
| Total domestic deposits to total assets | 86.9930% | 2,825 |
| Equity capital to assets | 9.6805% | 4,169 |
| Core capital (leverage) ratio | 9.4983% | 3,708 |
| Tier 1 risk-based capital ratio | 16.7060% | 2,456 |
| Total risk-based capital ratio | 17.9702% | 2,421 |
| Memoranda: | ||
| Average total assets | $58,003,600 | 6,276 |
| Average earning assets | $49,403,400 | 6,392 |
| Average equity | $6,289,000 | 6,279 |
| Average total loans | $31,373,200 | 6,345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 4,921 |
| Cost of funding earning assets | 1.2997% | 4,221 |
| Net interest margin | 3.6770% | 4,514 |
| Noninterest income to average assets | 0.6299% | 3,255 |
| Noninterest expense to average assets | 4.7505% | 467 |
| Loan and lease loss provision to assets | 2.1035% | 549 |
| Net operating income to assets | -3.0972% | 7,468 |
| Return on assets (ROA) | -3.0972% | 7,480 |
| Pretax return on assets | -3.0972% | 7,442 |
| Return on Equity (ROE) | -27.8595% | 7,353 |
| Retained earnings to average equity (ytd only) | -27.8595% | 7,344 |
| Net charge-offs to loans | 4.4427% | 233 |
| Credit loss provision to net charge-offs | 87.0179% | 4,887 |
| Earnings coverage of net charge-offs (x) | -0.4111% | 6,296 |
| Efficiency ratio | 126.4528% | 327 |
| Assets per employee ($millions) | 2.9547% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4650% | 1,381 |
| Loan loss allowance to noncurrent loans | 45.4212% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 8.1279% | 611 |
| Noncurrent loans to loans | 5.4271% | 1,236 |
| Net loans and leases to total assets | 52.4368% | 6,054 |
| Net loans and leases to deposits | 60.8688% | 6,231 |
| Net loans and leases to core deposits | 62.4480% | 6,418 |
| Total domestic deposits to total assets | 86.1471% | 3,006 |
| Equity capital to assets | 10.4649% | 3,555 |
| Core capital (leverage) ratio | 10.1255% | 3,123 |
| Tier 1 risk-based capital ratio | 17.5573% | 2,157 |
| Total risk-based capital ratio | 18.8206% | 2,126 |
| Memoranda: | ||
| Average total assets | $58,631,250 | 6,318 |
| Average earning assets | $49,858,000 | 6,441 |
| Average equity | $6,518,250 | 6,271 |
| Average total loans | $31,901,500 | 6,400 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0401% | 4,748 |
| Cost of funding earning assets | 1.3295% | 4,341 |
| Net interest margin | 3.7106% | 4,313 |
| Noninterest income to average assets | 0.5920% | 3,396 |
| Noninterest expense to average assets | 5.4657% | 279 |
| Loan and lease loss provision to assets | 3.0776% | 313 |
| Net operating income to assets | -4.8065% | 7,685 |
| Return on assets (ROA) | -4.8065% | 7,691 |
| Pretax return on assets | -4.8065% | 7,669 |
| Return on Equity (ROE) | -42.4497% | 7,549 |
| Retained earnings to average equity (ytd only) | -42.4497% | 7,541 |
| Net charge-offs to loans | 6.5528% | 106 |
| Credit loss provision to net charge-offs | 85.9962% | 4,548 |
| Earnings coverage of net charge-offs (x) | -0.4831% | 6,010 |
| Efficiency ratio | 146.2646% | 222 |
| Assets per employee ($millions) | 3.2110% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 1,451 |
| Loan loss allowance to noncurrent loans | 41.2029% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 8.1387% | 598 |
| Noncurrent loans to loans | 5.7801% | 1,124 |
| Net loans and leases to total assets | 51.9828% | 6,210 |
| Net loans and leases to deposits | 59.8649% | 6,425 |
| Net loans and leases to core deposits | 61.3514% | 6,609 |
| Total domestic deposits to total assets | 86.8335% | 2,632 |
| Equity capital to assets | 10.0384% | 3,972 |
| Core capital (leverage) ratio | 9.6936% | 3,547 |
| Tier 1 risk-based capital ratio | 17.0043% | 2,280 |
| Total risk-based capital ratio | 18.2658% | 2,223 |
| Memoranda: | ||
| Average total assets | $59,461,670 | 6,328 |
| Average earning assets | $50,396,000 | 6,464 |
| Average equity | $6,732,670 | 6,227 |
| Average total loans | $32,474,670 | 6,408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 5,625 |
| Cost of funding earning assets | 1.3718% | 4,347 |
| Net interest margin | 3.4918% | 5,195 |
| Noninterest income to average assets | 0.7762% | 2,142 |
| Noninterest expense to average assets | 3.4100% | 2,204 |
| Loan and lease loss provision to assets | 0.7828% | 1,613 |
| Net operating income to assets | -0.4445% | 6,797 |
| Return on assets (ROA) | -0.4445% | 6,830 |
| Pretax return on assets | -0.4445% | 6,750 |
| Return on Equity (ROE) | -3.7233% | 6,800 |
| Retained earnings to average equity (ytd only) | -3.7233% | 6,462 |
| Net charge-offs to loans | -0.0600% | 7,395 |
| Credit loss provision to net charge-offs | -2,360.0000% | 6,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9735% | 1,354 |
| Assets per employee ($millions) | 3.3288% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0218% | 805 |
| Loan loss allowance to noncurrent loans | 24.1470% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 12.1516% | 252 |
| Noncurrent loans to loans | 12.5143% | 267 |
| Net loans and leases to total assets | 53.8286% | 6,044 |
| Net loans and leases to deposits | 63.3206% | 6,134 |
| Net loans and leases to core deposits | 64.9110% | 6,383 |
| Total domestic deposits to total assets | 85.0095% | 3,676 |
| Equity capital to assets | 11.9497% | 2,065 |
| Core capital (leverage) ratio | 11.8842% | 1,700 |
| Tier 1 risk-based capital ratio | 17.8345% | 1,989 |
| Total risk-based capital ratio | 19.0997% | 1,956 |
| Memoranda: | ||
| Average total assets | $60,293,500 | 6,365 |
| Average earning assets | $51,320,500 | 6,501 |
| Average equity | $7,198,000 | 6,117 |
| Average total loans | $33,323,000 | 6,445 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 4,389 |
| Cost of funding earning assets | 1.7158% | 4,425 |
| Net interest margin | 3.7444% | 3,931 |
| Noninterest income to average assets | -0.4582% | 7,934 |
| Noninterest expense to average assets | 4.1973% | 1,102 |
| Loan and lease loss provision to assets | 1.6264% | 1,408 |
| Net operating income to assets | -3.0808% | 7,413 |
| Return on assets (ROA) | -3.0808% | 7,421 |
| Pretax return on assets | -3.0808% | 7,317 |
| Return on Equity (ROE) | -25.1719% | 7,291 |
| Retained earnings to average equity (ytd only) | -25.1719% | 7,266 |
| Net charge-offs to loans | 2.7180% | 831 |
| Credit loss provision to net charge-offs | 107.5491% | 5,155 |
| Earnings coverage of net charge-offs (x) | -0.9617% | 6,874 |
| Efficiency ratio | 153.0217% | 296 |
| Assets per employee ($millions) | 3.5688% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6417% | 1,077 |
| Loan loss allowance to noncurrent loans | 27.1719% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 10.8952% | 313 |
| Noncurrent loans to loans | 9.7221% | 439 |
| Net loans and leases to total assets | 53.5793% | 6,234 |
| Net loans and leases to deposits | 63.0022% | 6,363 |
| Net loans and leases to core deposits | 81.7103% | 5,936 |
| Total domestic deposits to total assets | 85.0434% | 3,530 |
| Equity capital to assets | 11.9270% | 2,071 |
| Core capital (leverage) ratio | 11.5848% | 1,875 |
| Tier 1 risk-based capital ratio | 17.8073% | 1,945 |
| Total risk-based capital ratio | 19.0688% | 1,895 |
| Memoranda: | ||
| Average total assets | $63,945,400 | 6,202 |
| Average earning assets | $54,668,000 | 6,346 |
| Average equity | $7,826,200 | 5,989 |
| Average total loans | $35,577,800 | 6,329 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5930% | 3,902 |
| Cost of funding earning assets | 1.7604% | 4,589 |
| Net interest margin | 3.8326% | 3,512 |
| Noninterest income to average assets | 0.5188% | 4,328 |
| Noninterest expense to average assets | 5.7026% | 347 |
| Loan and lease loss provision to assets | 2.0216% | 890 |
| Net operating income to assets | -3.9156% | 7,736 |
| Return on assets (ROA) | -3.9156% | 7,738 |
| Pretax return on assets | -3.9156% | 7,674 |
| Return on Equity (ROE) | -31.8036% | 7,642 |
| Retained earnings to average equity (ytd only) | -31.8036% | 7,625 |
| Net charge-offs to loans | 2.7902% | 634 |
| Credit loss provision to net charge-offs | 129.8942% | 3,859 |
| Earnings coverage of net charge-offs (x) | -1.2169% | 6,663 |
| Efficiency ratio | 149.7297% | 323 |
| Assets per employee ($millions) | 3.6586% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9423% | 698 |
| Loan loss allowance to noncurrent loans | 33.2904% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 9.2754% | 404 |
| Noncurrent loans to loans | 8.8382% | 516 |
| Net loans and leases to total assets | 54.8933% | 6,285 |
| Net loans and leases to deposits | 64.7757% | 6,419 |
| Net loans and leases to core deposits | 84.7112% | 5,984 |
| Total domestic deposits to total assets | 84.7436% | 3,349 |
| Equity capital to assets | 11.7562% | 2,392 |
| Core capital (leverage) ratio | 11.4983% | 2,075 |
| Tier 1 risk-based capital ratio | 17.5525% | 2,110 |
| Total risk-based capital ratio | 18.8182% | 2,066 |
| Memoranda: | ||
| Average total assets | $64,764,500 | 6,216 |
| Average earning assets | $55,592,000 | 6,356 |
| Average equity | $7,973,750 | 5,986 |
| Average total loans | $36,125,250 | 6,339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6677% | 3,729 |
| Cost of funding earning assets | 1.8106% | 4,707 |
| Net interest margin | 3.8570% | 3,309 |
| Noninterest income to average assets | 0.5151% | 4,311 |
| Noninterest expense to average assets | 6.7692% | 241 |
| Loan and lease loss provision to assets | 2.0786% | 770 |
| Net operating income to assets | -5.0411% | 7,938 |
| Return on assets (ROA) | -5.0411% | 7,933 |
| Pretax return on assets | -5.0411% | 7,866 |
| Return on Equity (ROE) | -40.3694% | 7,851 |
| Retained earnings to average equity (ytd only) | -40.3694% | 7,836 |
| Net charge-offs to loans | 2.9801% | 549 |
| Credit loss provision to net charge-offs | 125.5985% | 3,701 |
| Earnings coverage of net charge-offs (x) | -1.7901% | 6,332 |
| Efficiency ratio | 177.8223% | 257 |
| Assets per employee ($millions) | 3.5480% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7115% | 742 |
| Loan loss allowance to noncurrent loans | 26.4583% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 10.1152% | 284 |
| Noncurrent loans to loans | 10.2483% | 336 |
| Net loans and leases to total assets | 53.2601% | 6,536 |
| Net loans and leases to deposits | 61.9100% | 6,737 |
| Net loans and leases to core deposits | 80.1329% | 6,395 |
| Total domestic deposits to total assets | 86.0281% | 2,778 |
| Equity capital to assets | 11.0391% | 2,881 |
| Core capital (leverage) ratio | 10.7103% | 2,656 |
| Tier 1 risk-based capital ratio | 16.7494% | 2,381 |
| Total risk-based capital ratio | 18.0127% | 2,324 |
| Memoranda: | ||
| Average total assets | $65,620,330 | 6,243 |
| Average earning assets | $56,002,000 | 6,385 |
| Average equity | $8,194,330 | 5,954 |
| Average total loans | $36,441,330 | 6,379 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 3,209 |
| Cost of funding earning assets | 1.8436% | 4,906 |
| Net interest margin | 3.9745% | 2,759 |
| Noninterest income to average assets | 0.6737% | 3,045 |
| Noninterest expense to average assets | 3.3444% | 2,518 |
| Loan and lease loss provision to assets | 0.1805% | 4,642 |
| Net operating income to assets | 0.5594% | 4,187 |
| Return on assets (ROA) | 0.5594% | 4,370 |
| Pretax return on assets | 0.5594% | 4,885 |
| Return on Equity (ROE) | 4.2434% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,547 |
| Net charge-offs to loans | 0.4411% | 2,348 |
| Credit loss provision to net charge-offs | 73.1707% | 4,294 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,308 |
| Efficiency ratio | 81.8851% | 2,548 |
| Assets per employee ($millions) | 3.6779% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1319% | 1,179 |
| Loan loss allowance to noncurrent loans | 26.1040% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 9.7775% | 236 |
| Noncurrent loans to loans | 8.1668% | 432 |
| Net loans and leases to total assets | 55.3359% | 6,325 |
| Net loans and leases to deposits | 65.7926% | 6,396 |
| Net loans and leases to core deposits | 84.9661% | 5,982 |
| Total domestic deposits to total assets | 84.1065% | 3,651 |
| Equity capital to assets | 13.3060% | 1,611 |
| Core capital (leverage) ratio | 13.0851% | 1,453 |
| Tier 1 risk-based capital ratio | 19.5763% | 1,702 |
| Total risk-based capital ratio | 20.8339% | 1,653 |
| Memoranda: | ||
| Average total assets | $66,498,500 | 6,231 |
| Average earning assets | $57,063,500 | 6,375 |
| Average equity | $8,766,500 | 5,787 |
| Average total loans | $37,181,000 | 6,371 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4415% | 3,217 |
| Cost of funding earning assets | 2.4886% | 4,266 |
| Net interest margin | 3.9530% | 3,345 |
| Noninterest income to average assets | 0.4420% | 5,096 |
| Noninterest expense to average assets | 3.1183% | 3,625 |
| Loan and lease loss provision to assets | 0.8911% | 1,674 |
| Net operating income to assets | -0.0942% | 6,486 |
| Return on assets (ROA) | -0.0942% | 6,337 |
| Pretax return on assets | -0.0942% | 6,263 |
| Return on Equity (ROE) | -0.6926% | 6,321 |
| Retained earnings to average equity (ytd only) | -12.4025% | 7,278 |
| Net charge-offs to loans | 2.0150% | 533 |
| Credit loss provision to net charge-offs | 80.0781% | 5,897 |
| Earnings coverage of net charge-offs (x) | 0.7161% | 5,797 |
| Efficiency ratio | 79.6447% | 2,648 |
| Assets per employee ($millions) | 3.7108% | 4,151 |
| Cash dividends to net income (ytd only)* | -1,690.7692% | 8,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1906% | 959 |
| Loan loss allowance to noncurrent loans | 23.3815% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 9.9814% | 164 |
| Noncurrent loans to loans | 9.3691% | 238 |
| Net loans and leases to total assets | 54.0782% | 6,645 |
| Net loans and leases to deposits | 64.1478% | 6,782 |
| Net loans and leases to core deposits | 81.8606% | 6,474 |
| Total domestic deposits to total assets | 84.3025% | 3,177 |
| Equity capital to assets | 13.0611% | 1,760 |
| Core capital (leverage) ratio | 12.6502% | 1,684 |
| Tier 1 risk-based capital ratio | 19.3888% | 1,734 |
| Total risk-based capital ratio | 20.6453% | 1,693 |
| Memoranda: | ||
| Average total assets | $69,012,200 | 6,065 |
| Average earning assets | $60,637,600 | 6,149 |
| Average equity | $9,385,200 | 5,609 |
| Average total loans | $38,113,200 | 6,267 |