Home > Beartooth Bank > Performance and Condition Ratios
Beartooth Bank, Performance and Condition Ratios
| 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 | 4.9430% | 675 |
| Cost of funding earning assets | 1.3512% | 192 |
| Net interest margin | 3.5918% | 2,304 |
| Noninterest income to average assets | 0.0371% | 4,916 |
| Noninterest expense to average assets | 2.6078% | 2,513 |
| Loan and lease loss provision to assets | 0.0590% | 3,614 |
| Net operating income to assets | 0.3866% | 4,291 |
| Return on assets (ROA) | 0.3866% | 4,352 |
| Pretax return on assets | 0.5810% | 4,134 |
| Return on Equity (ROE) | 2.2365% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.2365% | 3,850 |
| Net charge-offs to loans | -0.0867% | 4,798 |
| Credit loss provision to net charge-offs | -93.1034% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2024% | 1,109 |
| Assets per employee ($millions) | 6.9485% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1019% | 4,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.8133% | 1,266 |
| Net loans and leases to deposits | 89.9253% | 1,271 |
| Net loans and leases to core deposits | 98.1997% | 1,296 |
| Total domestic deposits to total assets | 83.1949% | 3,090 |
| Equity capital to assets | 16.3546% | 428 |
| Core capital (leverage) ratio | 12.7053% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5434% | 1,983 |
| Memoranda: | ||
| Average total assets | $61,046,250 | 4,519 |
| Average earning assets | $54,567,000 | 4,535 |
| Average equity | $10,552,000 | 4,146 |
| Average total loans | $44,591,250 | 4,237 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 354 |
| Cost of funding earning assets | 1.2828% | 389 |
| Net interest margin | 4.1904% | 945 |
| Noninterest income to average assets | 0.0378% | 4,939 |
| Noninterest expense to average assets | 2.9674% | 1,662 |
| Loan and lease loss provision to assets | 0.0618% | 3,525 |
| Net operating income to assets | 0.5358% | 3,917 |
| Return on assets (ROA) | 0.5358% | 3,997 |
| Pretax return on assets | 0.7556% | 3,724 |
| Return on Equity (ROE) | 3.0346% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.0346% | 3,373 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3212% | 1,528 |
| Assets per employee ($millions) | 6.3888% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0315% | 5,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 74.5617% | 1,335 |
| Net loans and leases to deposits | 91.2829% | 1,233 |
| Net loans and leases to core deposits | 100.3180% | 1,238 |
| Total domestic deposits to total assets | 81.6820% | 3,452 |
| Equity capital to assets | 17.7545% | 320 |
| Core capital (leverage) ratio | 13.4909% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7165% | 1,567 |
| Memoranda: | ||
| Average total assets | $58,233,333 | 4,563 |
| Average earning assets | $52,072,000 | 4,591 |
| Average equity | $10,281,333 | 4,192 |
| Average total loans | $42,109,333 | 4,310 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1171% | 769 |
| Cost of funding earning assets | 1.4965% | 276 |
| Net interest margin | 3.6206% | 2,603 |
| Noninterest income to average assets | 0.0433% | 4,984 |
| Noninterest expense to average assets | 2.4763% | 3,344 |
| Loan and lease loss provision to assets | 0.0650% | 2,951 |
| Net operating income to assets | 0.5198% | 3,842 |
| Return on assets (ROA) | 0.5198% | 3,900 |
| Pretax return on assets | 0.7508% | 3,545 |
| Return on Equity (ROE) | 2.9537% | 4,228 |
| Retained earnings to average equity (ytd only) | 2.9537% | 3,102 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2193% | 1,658 |
| Assets per employee ($millions) | 7.3131% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0156% | 5,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.5500% | 2,869 |
| Net loans and leases to deposits | 81.3431% | 2,540 |
| Net loans and leases to core deposits | 91.1988% | 2,231 |
| Total domestic deposits to total assets | 80.5846% | 3,746 |
| Equity capital to assets | 19.2428% | 276 |
| Core capital (leverage) ratio | 16.1519% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6620% | 904 |
| Memoranda: | ||
| Average total assets | $55,406,000 | 4,619 |
| Average earning assets | $49,715,500 | 4,642 |
| Average equity | $9,750,500 | 4,267 |
| Average total loans | $39,338,500 | 4,391 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5058% | 556 |
| Cost of funding earning assets | 1.0252% | 1,621 |
| Net interest margin | 4.4807% | 743 |
| Noninterest income to average assets | 0.0415% | 5,055 |
| Noninterest expense to average assets | 2.7288% | 2,806 |
| Loan and lease loss provision to assets | 0.0125% | 3,766 |
| Net operating income to assets | 1.0716% | 2,565 |
| Return on assets (ROA) | 1.0716% | 2,661 |
| Pretax return on assets | 1.3665% | 2,280 |
| Return on Equity (ROE) | 6.4681% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.4681% | 1,624 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4307% | 2,703 |
| Assets per employee ($millions) | 7.4724% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.5826% | 1,485 |
| Net loans and leases to deposits | 90.2852% | 1,553 |
| Net loans and leases to core deposits | 102.2660% | 1,388 |
| Total domestic deposits to total assets | 83.7154% | 2,944 |
| Equity capital to assets | 15.7589% | 645 |
| Core capital (leverage) ratio | 15.3257% | 620 |
| Tier 1 risk-based capital ratio | 17.7069% | 1,837 |
| Total risk-based capital ratio | 18.9645% | 1,790 |
| Memoranda: | ||
| Average total assets | $48,152,200 | 4,783 |
| Average earning assets | $43,699,000 | 4,790 |
| Average equity | $7,977,600 | 4,511 |
| Average total loans | $38,003,600 | 4,448 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 490 |
| Cost of funding earning assets | 0.9779% | 1,856 |
| Net interest margin | 4.6295% | 577 |
| Noninterest income to average assets | 0.0396% | 5,135 |
| Noninterest expense to average assets | 2.8102% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0556% | 2,760 |
| Return on assets (ROA) | 1.0556% | 2,842 |
| Pretax return on assets | 1.4093% | 2,277 |
| Return on Equity (ROE) | 6.2862% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.2862% | 2,231 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5996% | 2,651 |
| Assets per employee ($millions) | 6.9213% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.3999% | 1,730 |
| Net loans and leases to deposits | 90.1263% | 1,683 |
| Net loans and leases to core deposits | 101.2784% | 1,564 |
| Total domestic deposits to total assets | 82.5507% | 3,303 |
| Equity capital to assets | 16.7186% | 517 |
| Core capital (leverage) ratio | 15.9842% | 563 |
| Tier 1 risk-based capital ratio | 18.9508% | 1,576 |
| Total risk-based capital ratio | 20.2093% | 1,549 |
| Memoranda: | ||
| Average total assets | $47,113,500 | 4,870 |
| Average earning assets | $42,537,500 | 4,874 |
| Average equity | $7,911,250 | 4,571 |
| Average total loans | $37,424,250 | 4,525 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5806% | 487 |
| Cost of funding earning assets | 0.9333% | 1,986 |
| Net interest margin | 4.6473% | 557 |
| Noninterest income to average assets | 0.0386% | 5,186 |
| Noninterest expense to average assets | 2.8370% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0414% | 2,764 |
| Return on assets (ROA) | 1.0414% | 2,833 |
| Pretax return on assets | 1.3842% | 2,248 |
| Return on Equity (ROE) | 6.1924% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.1924% | 2,197 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2081% | 2,656 |
| Assets per employee ($millions) | 7.7883% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.5228% | 961 |
| Net loans and leases to deposits | 96.5146% | 981 |
| Net loans and leases to core deposits | 106.9227% | 1,177 |
| Total domestic deposits to total assets | 82.3946% | 3,406 |
| Equity capital to assets | 17.0554% | 458 |
| Core capital (leverage) ratio | 15.9151% | 557 |
| Tier 1 risk-based capital ratio | 18.5927% | 1,644 |
| Total risk-based capital ratio | 19.8508% | 1,606 |
| Memoranda: | ||
| Average total assets | $46,668,330 | 4,916 |
| Average earning assets | $42,003,000 | 4,923 |
| Average equity | $7,848,330 | 4,605 |
| Average total loans | $37,623,670 | 4,553 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 528 |
| Cost of funding earning assets | 0.8405% | 2,325 |
| Net interest margin | 4.6515% | 549 |
| Noninterest income to average assets | 0.0257% | 5,267 |
| Noninterest expense to average assets | 2.8389% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0378% | 2,704 |
| Return on assets (ROA) | 1.0378% | 2,746 |
| Pretax return on assets | 1.3637% | 2,220 |
| Return on Equity (ROE) | 6.2151% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.2151% | 2,358 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5510% | 2,703 |
| Assets per employee ($millions) | 6.7370% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.5064% | 780 |
| Net loans and leases to deposits | 97.1345% | 876 |
| Net loans and leases to core deposits | 104.4773% | 1,282 |
| Total domestic deposits to total assets | 82.8813% | 3,426 |
| Equity capital to assets | 16.6416% | 486 |
| Core capital (leverage) ratio | 15.9321% | 542 |
| Tier 1 risk-based capital ratio | 18.0598% | 1,782 |
| Total risk-based capital ratio | 19.3175% | 1,735 |
| Memoranda: | ||
| Average total assets | $46,637,500 | 4,964 |
| Average earning assets | $41,879,000 | 4,978 |
| Average equity | $7,787,500 | 4,640 |
| Average total loans | $37,465,000 | 4,604 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 683 |
| Cost of funding earning assets | 0.8228% | 1,424 |
| Net interest margin | 4.3908% | 957 |
| Noninterest income to average assets | 0.0850% | 5,193 |
| Noninterest expense to average assets | 2.7398% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0177% | 2,937 |
| Return on assets (ROA) | 1.0160% | 2,928 |
| Pretax return on assets | 1.2562% | 2,674 |
| Return on Equity (ROE) | 6.4015% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.4015% | 1,971 |
| Net charge-offs to loans | -0.0632% | 5,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5274% | 2,466 |
| Assets per employee ($millions) | 6.5880% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1556% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.7716% | 1,474 |
| Net loans and leases to deposits | 92.6734% | 1,441 |
| Net loans and leases to core deposits | 100.5624% | 1,678 |
| Total domestic deposits to total assets | 82.8411% | 3,381 |
| Equity capital to assets | 16.7556% | 436 |
| Core capital (leverage) ratio | 15.5609% | 589 |
| Tier 1 risk-based capital ratio | 18.7530% | 1,557 |
| Total risk-based capital ratio | 19.9599% | 1,527 |
| Memoranda: | ||
| Average total assets | $47,047,600 | 4,992 |
| Average earning assets | $41,928,200 | 5,018 |
| Average equity | $7,467,000 | 4,683 |
| Average total loans | $37,959,600 | 4,611 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1215% | 724 |
| Cost of funding earning assets | 0.8351% | 1,171 |
| Net interest margin | 4.2864% | 1,144 |
| Noninterest income to average assets | 0.0987% | 5,216 |
| Noninterest expense to average assets | 2.7805% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9244% | 3,412 |
| Return on assets (ROA) | 0.9221% | 3,423 |
| Pretax return on assets | 1.1365% | 3,256 |
| Return on Equity (ROE) | 5.8902% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.8902% | 2,713 |
| Net charge-offs to loans | -0.0764% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9353% | 2,045 |
| Assets per employee ($millions) | 6.5539% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 80.9382% | 879 |
| Net loans and leases to deposits | 97.6156% | 979 |
| Net loans and leases to core deposits | 108.4938% | 1,134 |
| Total domestic deposits to total assets | 82.9152% | 3,335 |
| Equity capital to assets | 16.5115% | 454 |
| Core capital (leverage) ratio | 15.1919% | 657 |
| Tier 1 risk-based capital ratio | 18.2299% | 1,733 |
| Total risk-based capital ratio | 19.4897% | 1,686 |
| Memoranda: | ||
| Average total assets | $47,280,500 | 5,044 |
| Average earning assets | $42,147,750 | 5,074 |
| Average equity | $7,402,000 | 4,738 |
| Average total loans | $38,403,500 | 4,648 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0715% | 697 |
| Cost of funding earning assets | 0.8500% | 919 |
| Net interest margin | 4.2215% | 1,233 |
| Noninterest income to average assets | 0.1466% | 5,091 |
| Noninterest expense to average assets | 2.7687% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8503% | 3,675 |
| Return on assets (ROA) | 0.8503% | 3,674 |
| Pretax return on assets | 1.1016% | 3,308 |
| Return on Equity (ROE) | 5.5281% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.5281% | 2,808 |
| Net charge-offs to loans | -0.1089% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5368% | 2,078 |
| Assets per employee ($millions) | 5.7911% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8967% | 265 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.6635% | 1,216 |
| Net loans and leases to deposits | 94.4414% | 1,307 |
| Net loans and leases to core deposits | 103.2349% | 1,462 |
| Total domestic deposits to total assets | 83.2934% | 3,329 |
| Equity capital to assets | 16.0850% | 490 |
| Core capital (leverage) ratio | 14.3874% | 807 |
| Tier 1 risk-based capital ratio | 16.7403% | 2,182 |
| Total risk-based capital ratio | 17.9981% | 2,124 |
| Memoranda: | ||
| Average total assets | $47,748,330 | 5,093 |
| Average earning assets | $42,118,000 | 5,127 |
| Average equity | $7,344,330 | 4,792 |
| Average total loans | $38,568,000 | 4,682 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 689 |
| Cost of funding earning assets | 0.8552% | 748 |
| Net interest margin | 4.1537% | 1,286 |
| Noninterest income to average assets | 0.0660% | 5,439 |
| Noninterest expense to average assets | 2.7900% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6934% | 4,120 |
| Return on assets (ROA) | 0.6934% | 4,130 |
| Pretax return on assets | 0.9245% | 3,769 |
| Return on Equity (ROE) | 4.6087% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.6087% | 3,358 |
| Net charge-offs to loans | -0.1835% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1111% | 1,732 |
| Assets per employee ($millions) | 5.9901% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.8334% | 170 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.9070% | 1,098 |
| Net loans and leases to deposits | 93.7009% | 1,255 |
| Net loans and leases to core deposits | 101.9988% | 1,530 |
| Total domestic deposits to total assets | 84.2115% | 3,230 |
| Equity capital to assets | 15.3002% | 604 |
| Core capital (leverage) ratio | 13.8806% | 900 |
| Tier 1 risk-based capital ratio | 15.9210% | 2,515 |
| Total risk-based capital ratio | 17.1779% | 2,448 |
| Memoranda: | ||
| Average total assets | $48,458,000 | 5,133 |
| Average earning assets | $42,564,500 | 5,172 |
| Average equity | $7,290,500 | 4,852 |
| Average total loans | $39,241,500 | 4,714 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 430 |
| Cost of funding earning assets | 0.6611% | 1,242 |
| Net interest margin | 4.5602% | 544 |
| Noninterest income to average assets | 0.0470% | 5,539 |
| Noninterest expense to average assets | 2.6712% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4210% | 5,509 |
| Return on assets (ROA) | -0.4210% | 5,507 |
| Pretax return on assets | 1.2672% | 2,480 |
| Return on Equity (ROE) | -2.6688% | 5,480 |
| Retained earnings to average equity (ytd only) | -2.6688% | 5,328 |
| Net charge-offs to loans | -0.1647% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8242% | 2,926 |
| Assets per employee ($millions) | 6.1244% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.7636% | 166 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.8857% | 977 |
| Net loans and leases to deposits | 97.6255% | 928 |
| Net loans and leases to core deposits | 104.6272% | 1,368 |
| Total domestic deposits to total assets | 81.8288% | 3,908 |
| Equity capital to assets | 14.7954% | 719 |
| Core capital (leverage) ratio | 13.1995% | 1,075 |
| Tier 1 risk-based capital ratio | 15.2255% | 2,730 |
| Total risk-based capital ratio | 16.4871% | 2,661 |
| Memoranda: | ||
| Average total assets | $46,794,600 | 5,218 |
| Average earning assets | $39,932,800 | 5,273 |
| Average equity | $7,381,600 | 4,882 |
| Average total loans | $38,250,400 | 4,784 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2712% | 365 |
| Cost of funding earning assets | 0.5972% | 1,542 |
| Net interest margin | 4.6740% | 427 |
| Noninterest income to average assets | 0.0495% | 5,611 |
| Noninterest expense to average assets | 2.7258% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2668% | 1,449 |
| Return on assets (ROA) | 1.2668% | 1,477 |
| Pretax return on assets | 1.2668% | 2,637 |
| Return on Equity (ROE) | 8.3392% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.3392% | 1,077 |
| Net charge-offs to loans | -0.1762% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2713% | 2,824 |
| Assets per employee ($millions) | 6.2950% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.6616% | 200 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 78.0302% | 1,266 |
| Net loans and leases to deposits | 103.3616% | 530 |
| Net loans and leases to core deposits | 110.4192% | 1,000 |
| Total domestic deposits to total assets | 75.4925% | 5,075 |
| Equity capital to assets | 15.6374% | 611 |
| Core capital (leverage) ratio | 14.1245% | 859 |
| Tier 1 risk-based capital ratio | 14.8851% | 2,966 |
| Total risk-based capital ratio | 16.1477% | 2,891 |
| Memoranda: | ||
| Average total assets | $45,784,250 | 5,289 |
| Average earning assets | $38,624,250 | 5,355 |
| Average equity | $6,955,000 | 5,002 |
| Average total loans | $37,839,000 | 4,844 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2959% | 337 |
| Cost of funding earning assets | 0.5506% | 1,773 |
| Net interest margin | 4.7453% | 359 |
| Noninterest income to average assets | 0.0542% | 5,641 |
| Noninterest expense to average assets | 2.8469% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1794% | 1,670 |
| Return on assets (ROA) | 1.1749% | 1,726 |
| Pretax return on assets | 1.1749% | 2,876 |
| Return on Equity (ROE) | 7.8215% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.8215% | 1,231 |
| Net charge-offs to loans | -0.2102% | 5,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7071% | 2,553 |
| Assets per employee ($millions) | 5.1304% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9129% | 326 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.9861% | 559 |
| Net loans and leases to deposits | 112.3102% | 220 |
| Net loans and leases to core deposits | 120.1154% | 556 |
| Total domestic deposits to total assets | 73.8901% | 5,304 |
| Equity capital to assets | 14.6858% | 770 |
| Core capital (leverage) ratio | 15.6151% | 526 |
| Tier 1 risk-based capital ratio | 16.6124% | 2,273 |
| Total risk-based capital ratio | 19.6624% | 1,702 |
| Memoranda: | ||
| Average total assets | $44,259,000 | 5,362 |
| Average earning assets | $37,047,330 | 5,416 |
| Average equity | $6,648,330 | 5,085 |
| Average total loans | $37,105,670 | 4,895 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 291 |
| Cost of funding earning assets | 0.5543% | 1,685 |
| Net interest margin | 4.8114% | 307 |
| Noninterest income to average assets | 0.0554% | 5,718 |
| Noninterest expense to average assets | 2.9098% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1547% | 1,646 |
| Return on assets (ROA) | 1.1455% | 1,727 |
| Pretax return on assets | 1.1455% | 2,794 |
| Return on Equity (ROE) | 7.5357% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.5357% | 1,637 |
| Net charge-offs to loans | -0.2657% | 5,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5909% | 2,651 |
| Assets per employee ($millions) | 4.8477% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9721% | 706 |
| Loan loss allowance to noncurrent loans | 5,975.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 3.1103% | 308 |
| Noncurrent loans to loans | 0.0330% | 5,069 |
| Net loans and leases to total assets | 81.6888% | 603 |
| Net loans and leases to deposits | 102.6882% | 464 |
| Net loans and leases to core deposits | 108.8244% | 932 |
| Total domestic deposits to total assets | 79.5503% | 4,705 |
| Equity capital to assets | 15.2284% | 610 |
| Core capital (leverage) ratio | 15.1905% | 571 |
| Tier 1 risk-based capital ratio | 16.9980% | 2,180 |
| Total risk-based capital ratio | 18.2542% | 2,134 |
| Memoranda: | ||
| Average total assets | $43,301,500 | 5,438 |
| Average earning assets | $36,081,000 | 5,492 |
| Average equity | $6,582,000 | 5,142 |
| Average total loans | $36,133,500 | 4,969 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 505 |
| Cost of funding earning assets | 0.5173% | 1,958 |
| Net interest margin | 4.5786% | 527 |
| Noninterest income to average assets | 0.0658% | 5,737 |
| Noninterest expense to average assets | 2.7407% | 3,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0907% | 1,931 |
| Return on assets (ROA) | 1.0883% | 2,050 |
| Pretax return on assets | 1.0883% | 3,149 |
| Return on Equity (ROE) | 7.3590% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.3590% | 1,093 |
| Net charge-offs to loans | 0.0206% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 66.2857% | 831 |
| Efficiency ratio | 71.5337% | 2,662 |
| Assets per employee ($millions) | 4.7749% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1298% | 306 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.9496% | 615 |
| Net loans and leases to deposits | 102.8684% | 476 |
| Net loans and leases to core deposits | 109.1053% | 952 |
| Total domestic deposits to total assets | 79.6644% | 4,641 |
| Equity capital to assets | 15.1720% | 614 |
| Core capital (leverage) ratio | 15.3654% | 551 |
| Tier 1 risk-based capital ratio | 16.8567% | 2,208 |
| Total risk-based capital ratio | 18.1132% | 2,152 |
| Memoranda: | ||
| Average total assets | $42,543,200 | 5,498 |
| Average earning assets | $34,989,000 | 5,567 |
| Average equity | $6,291,600 | 5,227 |
| Average total loans | $34,018,800 | 5,067 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 528 |
| Cost of funding earning assets | 0.5089% | 2,024 |
| Net interest margin | 4.5573% | 550 |
| Noninterest income to average assets | 0.0723% | 5,782 |
| Noninterest expense to average assets | 2.7806% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0337% | 2,272 |
| Return on assets (ROA) | 1.0306% | 2,419 |
| Pretax return on assets | 1.0306% | 3,514 |
| Return on Equity (ROE) | 7.0145% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.0145% | 1,624 |
| Net charge-offs to loans | -0.1113% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8995% | 2,449 |
| Assets per employee ($millions) | 4.8103% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 553 |
| Loan loss allowance to noncurrent loans | 1,155.5556% | 520 |
| Noncurrent assets plus other real estate owned to assets | 3.2523% | 330 |
| Noncurrent loans to loans | 0.1862% | 4,601 |
| Net loans and leases to total assets | 76.4812% | 1,443 |
| Net loans and leases to deposits | 90.3389% | 1,709 |
| Net loans and leases to core deposits | 91.8423% | 2,398 |
| Total domestic deposits to total assets | 84.6603% | 2,965 |
| Equity capital to assets | 14.7483% | 802 |
| Core capital (leverage) ratio | 14.5647% | 705 |
| Tier 1 risk-based capital ratio | 17.2703% | 2,142 |
| Total risk-based capital ratio | 18.5280% | 2,099 |
| Memoranda: | ||
| Average total assets | $42,435,500 | 5,556 |
| Average earning assets | $34,844,000 | 5,631 |
| Average equity | $6,234,500 | 5,294 |
| Average total loans | $33,546,000 | 5,134 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 747 |
| Cost of funding earning assets | 0.4875% | 2,213 |
| Net interest margin | 4.3984% | 771 |
| Noninterest income to average assets | 0.0854% | 5,826 |
| Noninterest expense to average assets | 2.9182% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8494% | 3,097 |
| Return on assets (ROA) | 0.8494% | 3,219 |
| Pretax return on assets | 0.8494% | 4,122 |
| Return on Equity (ROE) | 5.7888% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.7888% | 2,245 |
| Net charge-offs to loans | -0.1136% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4559% | 1,863 |
| Assets per employee ($millions) | 4.9653% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0098% | 404 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.3700% | 1,149 |
| Net loans and leases to deposits | 91.5536% | 1,570 |
| Net loans and leases to core deposits | 93.0125% | 2,256 |
| Total domestic deposits to total assets | 85.6002% | 2,608 |
| Equity capital to assets | 14.0440% | 1,007 |
| Core capital (leverage) ratio | 14.3105% | 746 |
| Tier 1 risk-based capital ratio | 16.1956% | 2,549 |
| Total risk-based capital ratio | 17.4526% | 2,495 |
| Memoranda: | ||
| Average total assets | $42,149,670 | 5,625 |
| Average earning assets | $35,285,670 | 5,684 |
| Average equity | $6,184,330 | 5,354 |
| Average total loans | $33,448,330 | 5,189 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 673 |
| Cost of funding earning assets | 0.4507% | 2,575 |
| Net interest margin | 4.4710% | 645 |
| Noninterest income to average assets | 0.0685% | 5,912 |
| Noninterest expense to average assets | 2.9452% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8121% | 3,178 |
| Return on assets (ROA) | 0.8121% | 3,304 |
| Pretax return on assets | 0.8121% | 4,157 |
| Return on Equity (ROE) | 5.4085% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.4085% | 2,708 |
| Net charge-offs to loans | -0.1114% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3854% | 1,842 |
| Assets per employee ($millions) | 4.5938% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1406% | 636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2532% | 369 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.3959% | 1,046 |
| Net loans and leases to deposits | 92.5317% | 1,279 |
| Net loans and leases to core deposits | 93.3310% | 2,064 |
| Total domestic deposits to total assets | 84.7233% | 3,233 |
| Equity capital to assets | 14.9478% | 704 |
| Core capital (leverage) ratio | 15.2834% | 563 |
| Tier 1 risk-based capital ratio | 16.7616% | 2,370 |
| Total risk-based capital ratio | 18.0174% | 2,317 |
| Memoranda: | ||
| Average total assets | $40,880,500 | 5,698 |
| Average earning assets | $33,728,500 | 5,771 |
| Average equity | $6,138,500 | 5,393 |
| Average total loans | $32,302,000 | 5,261 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,405 |
| Cost of funding earning assets | 0.4233% | 2,909 |
| Net interest margin | 4.1504% | 1,280 |
| Noninterest income to average assets | 0.5830% | 2,817 |
| Noninterest expense to average assets | 3.3858% | 1,512 |
| Loan and lease loss provision to assets | -0.2290% | 6,017 |
| Net operating income to assets | 0.9733% | 2,500 |
| Return on assets (ROA) | 0.9681% | 2,607 |
| Pretax return on assets | 0.9681% | 3,585 |
| Return on Equity (ROE) | 6.3274% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.3274% | 1,643 |
| Net charge-offs to loans | -0.1318% | 5,850 |
| Credit loss provision to net charge-offs | 231.5789% | 1,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9786% | 1,415 |
| Assets per employee ($millions) | 4.4908% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2234% | 575 |
| Loan loss allowance to noncurrent loans | 70,000.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 3.3303% | 366 |
| Noncurrent loans to loans | 0.0032% | 5,549 |
| Net loans and leases to total assets | 76.1635% | 1,389 |
| Net loans and leases to deposits | 89.9562% | 1,623 |
| Net loans and leases to core deposits | 90.7518% | 2,338 |
| Total domestic deposits to total assets | 84.6673% | 3,228 |
| Equity capital to assets | 15.0852% | 652 |
| Core capital (leverage) ratio | 15.5365% | 528 |
| Tier 1 risk-based capital ratio | 17.5322% | 2,116 |
| Total risk-based capital ratio | 18.7888% | 2,065 |
| Memoranda: | ||
| Average total assets | $38,425,000 | 5,798 |
| Average earning assets | $32,840,600 | 5,837 |
| Average equity | $5,879,200 | 5,461 |
| Average total loans | $28,833,200 | 5,411 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,460 |
| Cost of funding earning assets | 0.4330% | 2,869 |
| Net interest margin | 4.1154% | 1,373 |
| Noninterest income to average assets | 0.1090% | 5,920 |
| Noninterest expense to average assets | 3.5541% | 1,193 |
| Loan and lease loss provision to assets | -0.6644% | 6,236 |
| Net operating income to assets | 0.7277% | 3,774 |
| Return on assets (ROA) | 0.7207% | 3,917 |
| Pretax return on assets | 0.7207% | 4,609 |
| Return on Equity (ROE) | 4.6926% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.6926% | 3,135 |
| Net charge-offs to loans | -1.0318% | 6,208 |
| Credit loss provision to net charge-offs | 86.6972% | 2,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2507% | 347 |
| Assets per employee ($millions) | 4.8600% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5988% | 382 |
| Loan loss allowance to noncurrent loans | 11,128.5714% | 88 |
| Noncurrent assets plus other real estate owned to assets | 3.4774% | 373 |
| Noncurrent loans to loans | 0.0234% | 5,541 |
| Net loans and leases to total assets | 75.0926% | 1,529 |
| Net loans and leases to deposits | 89.1535% | 1,752 |
| Net loans and leases to core deposits | 89.9778% | 2,471 |
| Total domestic deposits to total assets | 84.2284% | 3,327 |
| Equity capital to assets | 15.2829% | 683 |
| Core capital (leverage) ratio | 15.4235% | 568 |
| Tier 1 risk-based capital ratio | 17.6570% | 2,136 |
| Total risk-based capital ratio | 18.9197% | 2,090 |
| Memoranda: | ||
| Average total assets | $37,927,000 | 5,882 |
| Average earning assets | $32,332,750 | 5,928 |
| Average equity | $5,824,750 | 5,545 |
| Average total loans | $28,170,750 | 5,498 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,658 |
| Cost of funding earning assets | 0.4435% | 2,796 |
| Net interest margin | 4.0166% | 1,593 |
| Noninterest income to average assets | 0.0957% | 6,046 |
| Noninterest expense to average assets | 3.7438% | 936 |
| Loan and lease loss provision to assets | -1.0051% | 6,326 |
| Net operating income to assets | 0.7764% | 3,506 |
| Return on assets (ROA) | 0.7764% | 3,610 |
| Pretax return on assets | 0.7764% | 4,399 |
| Return on Equity (ROE) | 5.0470% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.0470% | 2,834 |
| Net charge-offs to loans | -1.5089% | 6,288 |
| Credit loss provision to net charge-offs | 90.8654% | 2,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5053% | 214 |
| Assets per employee ($millions) | 4.7678% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7144% | 368 |
| Loan loss allowance to noncurrent loans | 5,915.3846% | 112 |
| Noncurrent assets plus other real estate owned to assets | 3.5604% | 400 |
| Noncurrent loans to loans | 0.0459% | 5,565 |
| Net loans and leases to total assets | 72.2589% | 1,937 |
| Net loans and leases to deposits | 85.9133% | 2,065 |
| Net loans and leases to core deposits | 85.9133% | 2,777 |
| Total domestic deposits to total assets | 84.1068% | 3,521 |
| Equity capital to assets | 15.4239% | 621 |
| Core capital (leverage) ratio | 15.3531% | 569 |
| Tier 1 risk-based capital ratio | 18.5771% | 1,902 |
| Total risk-based capital ratio | 19.8402% | 1,858 |
| Memoranda: | ||
| Average total assets | $37,609,330 | 5,952 |
| Average earning assets | $32,017,000 | 5,994 |
| Average equity | $5,785,670 | 5,607 |
| Average total loans | $27,569,330 | 5,575 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 1,861 |
| Cost of funding earning assets | 0.4662% | 2,594 |
| Net interest margin | 3.9063% | 1,874 |
| Noninterest income to average assets | 0.1500% | 5,840 |
| Noninterest expense to average assets | 3.4812% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0107% | 6,027 |
| Return on assets (ROA) | -0.0107% | 6,067 |
| Pretax return on assets | -0.0107% | 6,059 |
| Return on Equity (ROE) | -0.0697% | 6,066 |
| Retained earnings to average equity (ytd only) | -0.0697% | 5,389 |
| Net charge-offs to loans | -0.1618% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3086% | 359 |
| Assets per employee ($millions) | 4.7529% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8440% | 351 |
| Loan loss allowance to noncurrent loans | 4,005.2632% | 166 |
| Noncurrent assets plus other real estate owned to assets | 5.4677% | 207 |
| Noncurrent loans to loans | 0.0710% | 5,486 |
| Net loans and leases to total assets | 68.3718% | 2,386 |
| Net loans and leases to deposits | 80.7435% | 2,475 |
| Net loans and leases to core deposits | 82.0457% | 2,962 |
| Total domestic deposits to total assets | 84.6777% | 3,548 |
| Equity capital to assets | 15.0856% | 700 |
| Core capital (leverage) ratio | 15.5620% | 524 |
| Tier 1 risk-based capital ratio | 18.0952% | 2,109 |
| Total risk-based capital ratio | 19.3571% | 2,056 |
| Memoranda: | ||
| Average total assets | $37,343,000 | 6,022 |
| Average earning assets | $31,743,500 | 6,068 |
| Average equity | $5,737,000 | 5,669 |
| Average total loans | $27,189,000 | 5,629 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 2,168 |
| Cost of funding earning assets | 0.5030% | 2,648 |
| Net interest margin | 3.9152% | 2,175 |
| Noninterest income to average assets | 0.1183% | 6,092 |
| Noninterest expense to average assets | 3.0131% | 2,802 |
| Loan and lease loss provision to assets | -0.1788% | 6,269 |
| Net operating income to assets | 0.6810% | 3,986 |
| Return on assets (ROA) | 0.6810% | 4,102 |
| Pretax return on assets | 0.6810% | 4,688 |
| Return on Equity (ROE) | 4.6214% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.6214% | 2,888 |
| Net charge-offs to loans | -0.3890% | 6,363 |
| Credit loss provision to net charge-offs | 63.5514% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,201 |
| Assets per employee ($millions) | 4.5829% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7154% | 418 |
| Loan loss allowance to noncurrent loans | 54.7046% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 5.6897% | 214 |
| Noncurrent loans to loans | 4.9638% | 301 |
| Net loans and leases to total assets | 73.2891% | 1,709 |
| Net loans and leases to deposits | 87.1893% | 1,828 |
| Net loans and leases to core deposits | 88.6594% | 2,423 |
| Total domestic deposits to total assets | 84.0575% | 3,693 |
| Equity capital to assets | 15.6507% | 584 |
| Core capital (leverage) ratio | 15.1793% | 579 |
| Tier 1 risk-based capital ratio | 17.3743% | 2,366 |
| Total risk-based capital ratio | 18.5219% | 2,353 |
| Memoranda: | ||
| Average total assets | $38,033,800 | 6,082 |
| Average earning assets | $32,999,800 | 6,119 |
| Average equity | $5,604,400 | 5,715 |
| Average total loans | $27,504,800 | 5,671 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 1,989 |
| Cost of funding earning assets | 0.5119% | 2,637 |
| Net interest margin | 3.9550% | 2,017 |
| Noninterest income to average assets | 0.1042% | 6,237 |
| Noninterest expense to average assets | 2.9219% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6184% | 4,360 |
| Return on assets (ROA) | 0.6184% | 4,452 |
| Pretax return on assets | 0.6184% | 4,968 |
| Return on Equity (ROE) | 4.2601% | 5,055 |
| Retained earnings to average equity (ytd only) | 4.2601% | 3,621 |
| Net charge-offs to loans | -0.4901% | 6,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5319% | 1,552 |
| Assets per employee ($millions) | 4.7148% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1605% | 305 |
| Loan loss allowance to noncurrent loans | 58.7980% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 5.6101% | 262 |
| Noncurrent loans to loans | 5.3752% | 306 |
| Net loans and leases to total assets | 65.9632% | 2,877 |
| Net loans and leases to deposits | 77.9693% | 2,957 |
| Net loans and leases to core deposits | 79.2331% | 3,406 |
| Total domestic deposits to total assets | 84.6015% | 3,499 |
| Equity capital to assets | 14.9928% | 731 |
| Core capital (leverage) ratio | 14.6780% | 676 |
| Tier 1 risk-based capital ratio | 17.0096% | 2,617 |
| Total risk-based capital ratio | 18.2110% | 2,584 |
| Memoranda: | ||
| Average total assets | $38,376,500 | 6,147 |
| Average earning assets | $33,341,000 | 6,182 |
| Average equity | $5,571,000 | 5,782 |
| Average total loans | $27,476,000 | 5,732 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 1,629 |
| Cost of funding earning assets | 0.5185% | 2,652 |
| Net interest margin | 4.0464% | 1,670 |
| Noninterest income to average assets | 0.0933% | 6,308 |
| Noninterest expense to average assets | 2.8604% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7514% | 3,563 |
| Return on assets (ROA) | 0.7514% | 3,661 |
| Pretax return on assets | 0.7514% | 4,451 |
| Return on Equity (ROE) | 5.2318% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.2318% | 2,812 |
| Net charge-offs to loans | -0.6697% | 6,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1966% | 2,137 |
| Assets per employee ($millions) | 4.8524% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9288% | 412 |
| Loan loss allowance to noncurrent loans | 1,712.7660% | 328 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 1,588 |
| Noncurrent loans to loans | 0.1710% | 5,497 |
| Net loans and leases to total assets | 68.7318% | 2,284 |
| Net loans and leases to deposits | 80.7219% | 2,416 |
| Net loans and leases to core deposits | 81.9844% | 2,974 |
| Total domestic deposits to total assets | 85.1464% | 3,438 |
| Equity capital to assets | 14.4697% | 827 |
| Core capital (leverage) ratio | 14.4820% | 706 |
| Tier 1 risk-based capital ratio | 16.0001% | 3,084 |
| Total risk-based capital ratio | 17.2077% | 3,050 |
| Memoranda: | ||
| Average total assets | $38,596,000 | 6,206 |
| Average earning assets | $33,561,000 | 6,235 |
| Average equity | $5,543,000 | 5,824 |
| Average total loans | $28,070,670 | 5,743 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 1,436 |
| Cost of funding earning assets | 0.5499% | 2,418 |
| Net interest margin | 4.0764% | 1,528 |
| Noninterest income to average assets | 0.1039% | 6,315 |
| Noninterest expense to average assets | 2.9518% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6964% | 3,711 |
| Return on assets (ROA) | 0.6964% | 3,789 |
| Pretax return on assets | 0.6964% | 4,499 |
| Return on Equity (ROE) | 4.8674% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.8674% | 3,192 |
| Net charge-offs to loans | -1.2552% | 6,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9117% | 2,064 |
| Assets per employee ($millions) | 4.9106% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9189% | 471 |
| Loan loss allowance to noncurrent loans | 1,403.5088% | 384 |
| Noncurrent assets plus other real estate owned to assets | 2.0160% | 1,687 |
| Noncurrent loans to loans | 0.2080% | 5,476 |
| Net loans and leases to total assets | 67.7307% | 2,263 |
| Net loans and leases to deposits | 79.1928% | 2,405 |
| Net loans and leases to core deposits | 80.4110% | 2,921 |
| Total domestic deposits to total assets | 85.5263% | 3,598 |
| Equity capital to assets | 14.0995% | 889 |
| Core capital (leverage) ratio | 14.5416% | 692 |
| Tier 1 risk-based capital ratio | 15.8859% | 3,226 |
| Total risk-based capital ratio | 17.0903% | 3,212 |
| Memoranda: | ||
| Average total assets | $38,484,500 | 6,274 |
| Average earning assets | $33,461,000 | 6,298 |
| Average equity | $5,506,000 | 5,862 |
| Average total loans | $28,363,000 | 5,779 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 1,363 |
| Cost of funding earning assets | 0.6832% | 1,935 |
| Net interest margin | 4.0991% | 1,641 |
| Noninterest income to average assets | 0.3739% | 4,638 |
| Noninterest expense to average assets | 2.8358% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0595% | 2,078 |
| Return on assets (ROA) | 0.8648% | 3,029 |
| Pretax return on assets | 0.8648% | 3,898 |
| Return on Equity (ROE) | 6.2844% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.2844% | 1,804 |
| Net charge-offs to loans | 0.0700% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.4737% | 1,492 |
| Efficiency ratio | 72.8000% | 3,333 |
| Assets per employee ($millions) | 4.7105% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4251% | 903 |
| Loan loss allowance to noncurrent loans | 1,045.5882% | 492 |
| Noncurrent assets plus other real estate owned to assets | 2.1309% | 1,673 |
| Noncurrent loans to loans | 0.2319% | 5,491 |
| Net loans and leases to total assets | 75.9129% | 1,088 |
| Net loans and leases to deposits | 89.2296% | 1,319 |
| Net loans and leases to core deposits | 90.6691% | 1,940 |
| Total domestic deposits to total assets | 85.0759% | 3,701 |
| Equity capital to assets | 14.5234% | 780 |
| Core capital (leverage) ratio | 14.4275% | 705 |
| Tier 1 risk-based capital ratio | 15.2258% | 3,530 |
| Total risk-based capital ratio | 16.4504% | 3,493 |
| Memoranda: | ||
| Average total assets | $38,508,000 | 6,329 |
| Average earning assets | $33,080,600 | 6,374 |
| Average equity | $5,298,800 | 5,989 |
| Average total loans | $27,139,600 | 5,887 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 1,463 |
| Cost of funding earning assets | 0.7197% | 1,812 |
| Net interest margin | 4.0369% | 1,826 |
| Noninterest income to average assets | 0.4236% | 4,339 |
| Noninterest expense to average assets | 2.7999% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0814% | 2,080 |
| Return on assets (ROA) | 0.8300% | 3,316 |
| Pretax return on assets | 0.8300% | 4,183 |
| Return on Equity (ROE) | 6.1145% | 4,124 |
| Retained earnings to average equity (ytd only) | 6.1145% | 2,335 |
| Net charge-offs to loans | 0.1654% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.5150% | 2,475 |
| Efficiency ratio | 72.1384% | 3,380 |
| Assets per employee ($millions) | 4.6178% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5254% | 908 |
| Loan loss allowance to noncurrent loans | 882.2785% | 532 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 1,783 |
| Noncurrent loans to loans | 0.2862% | 5,516 |
| Net loans and leases to total assets | 72.8250% | 1,480 |
| Net loans and leases to deposits | 85.6865% | 1,653 |
| Net loans and leases to core deposits | 87.0957% | 2,273 |
| Total domestic deposits to total assets | 84.9900% | 3,755 |
| Equity capital to assets | 14.5661% | 803 |
| Core capital (leverage) ratio | 14.2460% | 807 |
| Tier 1 risk-based capital ratio | 15.6648% | 3,369 |
| Total risk-based capital ratio | 16.8845% | 3,345 |
| Memoranda: | ||
| Average total assets | $38,714,000 | 6,395 |
| Average earning assets | $33,160,250 | 6,443 |
| Average equity | $5,255,250 | 6,073 |
| Average total loans | $26,595,000 | 5,964 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,526 |
| Cost of funding earning assets | 0.7663% | 1,610 |
| Net interest margin | 3.9503% | 2,046 |
| Noninterest income to average assets | 0.2646% | 5,561 |
| Noninterest expense to average assets | 2.8088% | 3,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8396% | 3,103 |
| Return on assets (ROA) | 0.8396% | 3,256 |
| Pretax return on assets | 0.8396% | 4,158 |
| Return on Equity (ROE) | 6.3299% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.3299% | 2,244 |
| Net charge-offs to loans | 0.2894% | 2,035 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.3421% | 3,157 |
| Efficiency ratio | 76.9874% | 2,627 |
| Assets per employee ($millions) | 4.8120% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7072% | 787 |
| Loan loss allowance to noncurrent loans | 804.6512% | 566 |
| Noncurrent assets plus other real estate owned to assets | 2.0989% | 2,056 |
| Noncurrent loans to loans | 0.3365% | 5,453 |
| Net loans and leases to total assets | 64.6015% | 2,824 |
| Net loans and leases to deposits | 75.3834% | 2,962 |
| Net loans and leases to core deposits | 76.5553% | 3,476 |
| Total domestic deposits to total assets | 85.6972% | 3,531 |
| Equity capital to assets | 13.7391% | 1,035 |
| Core capital (leverage) ratio | 13.8421% | 867 |
| Tier 1 risk-based capital ratio | 16.0017% | 3,195 |
| Total risk-based capital ratio | 17.1932% | 3,171 |
| Memoranda: | ||
| Average total assets | $39,304,670 | 6,425 |
| Average earning assets | $33,668,670 | 6,477 |
| Average equity | $5,213,330 | 6,126 |
| Average total loans | $26,260,000 | 6,011 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 1,397 |
| Cost of funding earning assets | 0.8779% | 1,096 |
| Net interest margin | 3.8745% | 2,201 |
| Noninterest income to average assets | 0.1410% | 6,399 |
| Noninterest expense to average assets | 2.7903% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6850% | 3,760 |
| Return on assets (ROA) | 0.6850% | 3,911 |
| Pretax return on assets | 0.6850% | 4,639 |
| Return on Equity (ROE) | 5.2555% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.2555% | 3,077 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2899% | 2,287 |
| Assets per employee ($millions) | 5.5587% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7403% | 871 |
| Loan loss allowance to noncurrent loans | 95.8005% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 4.1813% | 920 |
| Noncurrent loans to loans | 2.8605% | 1,771 |
| Net loans and leases to total assets | 66.5853% | 2,269 |
| Net loans and leases to deposits | 77.4582% | 2,424 |
| Net loans and leases to core deposits | 79.2639% | 2,894 |
| Total domestic deposits to total assets | 85.9628% | 3,542 |
| Equity capital to assets | 13.3895% | 1,251 |
| Core capital (leverage) ratio | 13.2012% | 1,046 |
| Tier 1 risk-based capital ratio | 15.4544% | 3,554 |
| Total risk-based capital ratio | 16.6558% | 3,548 |
| Memoranda: | ||
| Average total assets | $39,709,000 | 6,468 |
| Average earning assets | $34,172,500 | 6,520 |
| Average equity | $5,175,500 | 6,193 |
| Average total loans | $26,609,500 | 6,041 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 1,707 |
| Cost of funding earning assets | 1.1186% | 844 |
| Net interest margin | 3.8233% | 3,134 |
| Noninterest income to average assets | 1.3622% | 841 |
| Noninterest expense to average assets | 3.2697% | 2,426 |
| Loan and lease loss provision to assets | 0.5816% | 958 |
| Net operating income to assets | 0.7444% | 3,539 |
| Return on assets (ROA) | 0.7444% | 3,779 |
| Pretax return on assets | 0.7444% | 4,497 |
| Return on Equity (ROE) | 5.8055% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.8055% | 2,192 |
| Net charge-offs to loans | 0.9986% | 1,096 |
| Credit loss provision to net charge-offs | 85.5513% | 3,649 |
| Earnings coverage of net charge-offs (x) | 1.9506% | 4,444 |
| Efficiency ratio | 71.1474% | 3,598 |
| Assets per employee ($millions) | 5.7867% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7464% | 881 |
| Loan loss allowance to noncurrent loans | 103.9886% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 3.9524% | 1,089 |
| Noncurrent loans to loans | 2.6411% | 2,005 |
| Net loans and leases to total assets | 63.8161% | 2,929 |
| Net loans and leases to deposits | 73.7813% | 3,134 |
| Net loans and leases to core deposits | 75.4216% | 3,612 |
| Total domestic deposits to total assets | 86.4937% | 3,100 |
| Equity capital to assets | 12.6916% | 1,594 |
| Core capital (leverage) ratio | 13.3884% | 987 |
| Tier 1 risk-based capital ratio | 15.6091% | 3,372 |
| Total risk-based capital ratio | 16.8691% | 3,325 |
| Memoranda: | ||
| Average total assets | $38,688,600 | 6,542 |
| Average earning assets | $32,720,200 | 6,588 |
| Average equity | $4,960,800 | 6,300 |
| Average total loans | $26,336,800 | 6,121 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 1,563 |
| Cost of funding earning assets | 1.1486% | 871 |
| Net interest margin | 3.9004% | 2,911 |
| Noninterest income to average assets | 1.7471% | 516 |
| Noninterest expense to average assets | 3.5256% | 1,700 |
| Loan and lease loss provision to assets | 0.7846% | 612 |
| Net operating income to assets | 0.7288% | 3,778 |
| Return on assets (ROA) | 0.7288% | 4,026 |
| Pretax return on assets | 0.7288% | 4,750 |
| Return on Equity (ROE) | 5.6687% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.6687% | 2,915 |
| Net charge-offs to loans | 1.3345% | 694 |
| Credit loss provision to net charge-offs | 85.5513% | 3,442 |
| Earnings coverage of net charge-offs (x) | 1.6502% | 4,451 |
| Efficiency ratio | 69.9654% | 3,688 |
| Assets per employee ($millions) | 5.3857% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9167% | 787 |
| Loan loss allowance to noncurrent loans | 103.9886% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 4.2467% | 1,114 |
| Noncurrent loans to loans | 2.8049% | 2,007 |
| Net loans and leases to total assets | 64.4509% | 2,944 |
| Net loans and leases to deposits | 75.3076% | 3,090 |
| Net loans and leases to core deposits | 75.9123% | 3,737 |
| Total domestic deposits to total assets | 85.5836% | 3,469 |
| Equity capital to assets | 13.4456% | 1,370 |
| Core capital (leverage) ratio | 13.2231% | 1,097 |
| Tier 1 risk-based capital ratio | 16.2171% | 3,155 |
| Total risk-based capital ratio | 17.4810% | 3,111 |
| Memoranda: | ||
| Average total assets | $38,234,000 | 6,631 |
| Average earning assets | $32,269,250 | 6,680 |
| Average equity | $4,915,750 | 6,383 |
| Average total loans | $26,276,000 | 6,202 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 1,414 |
| Cost of funding earning assets | 1.1732% | 925 |
| Net interest margin | 3.9602% | 2,680 |
| Noninterest income to average assets | 0.2864% | 5,519 |
| Noninterest expense to average assets | 3.4052% | 2,022 |
| Loan and lease loss provision to assets | 0.0521% | 5,012 |
| Net operating income to assets | 0.1510% | 6,037 |
| Return on assets (ROA) | 0.1510% | 6,207 |
| Pretax return on assets | 0.1510% | 6,226 |
| Return on Equity (ROE) | 1.1923% | 6,264 |
| Retained earnings to average equity (ytd only) | 1.1923% | 5,596 |
| Net charge-offs to loans | 0.3597% | 2,573 |
| Credit loss provision to net charge-offs | 20.8333% | 4,589 |
| Earnings coverage of net charge-offs (x) | 0.8125% | 4,651 |
| Efficiency ratio | 94.3723% | 787 |
| Assets per employee ($millions) | 4.2529% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8002% | 943 |
| Loan loss allowance to noncurrent loans | 109.4453% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 6.4766% | 633 |
| Noncurrent loans to loans | 2.5585% | 2,354 |
| Net loans and leases to total assets | 66.2034% | 2,632 |
| Net loans and leases to deposits | 76.6740% | 2,890 |
| Net loans and leases to core deposits | 77.2749% | 3,620 |
| Total domestic deposits to total assets | 86.3439% | 3,168 |
| Equity capital to assets | 12.7521% | 1,655 |
| Core capital (leverage) ratio | 12.7480% | 1,238 |
| Tier 1 risk-based capital ratio | 14.7630% | 3,924 |
| Total risk-based capital ratio | 15.9753% | 3,909 |
| Memoranda: | ||
| Average total assets | $38,412,000 | 6,674 |
| Average earning assets | $32,220,330 | 6,730 |
| Average equity | $4,864,670 | 6,426 |
| Average total loans | $26,692,000 | 6,223 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 1,346 |
| Cost of funding earning assets | 1.1952% | 1,013 |
| Net interest margin | 3.9921% | 2,542 |
| Noninterest income to average assets | 0.2911% | 5,534 |
| Noninterest expense to average assets | 3.4407% | 1,911 |
| Loan and lease loss provision to assets | 0.1040% | 4,038 |
| Net operating income to assets | 0.1143% | 6,206 |
| Return on assets (ROA) | 0.1143% | 6,334 |
| Pretax return on assets | 0.1143% | 6,361 |
| Return on Equity (ROE) | 0.9060% | 6,365 |
| Retained earnings to average equity (ytd only) | 0.9060% | 5,702 |
| Net charge-offs to loans | -0.9036% | 7,205 |
| Credit loss provision to net charge-offs | -16.3934% | 5,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0341% | 819 |
| Assets per employee ($millions) | 4.7540% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1128% | 745 |
| Loan loss allowance to noncurrent loans | 129.6754% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 6.1764% | 745 |
| Noncurrent loans to loans | 2.4005% | 2,704 |
| Net loans and leases to total assets | 68.6632% | 1,998 |
| Net loans and leases to deposits | 79.4995% | 2,272 |
| Net loans and leases to core deposits | 79.4995% | 3,114 |
| Total domestic deposits to total assets | 86.3694% | 3,321 |
| Equity capital to assets | 12.7866% | 1,553 |
| Core capital (leverage) ratio | 12.6937% | 1,245 |
| Tier 1 risk-based capital ratio | 14.6065% | 4,016 |
| Total risk-based capital ratio | 15.8705% | 3,968 |
| Memoranda: | ||
| Average total assets | $38,480,000 | 6,723 |
| Average earning assets | $32,464,500 | 6,782 |
| Average equity | $4,856,500 | 6,470 |
| Average total loans | $27,003,000 | 6,250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5918% | 976 |
| Cost of funding earning assets | 1.4275% | 929 |
| Net interest margin | 4.1643% | 2,178 |
| Noninterest income to average assets | 0.9134% | 1,628 |
| Noninterest expense to average assets | 3.5190% | 1,937 |
| Loan and lease loss provision to assets | 0.1269% | 5,028 |
| Net operating income to assets | 0.7535% | 3,247 |
| Return on assets (ROA) | 0.7688% | 3,343 |
| Pretax return on assets | 0.7688% | 4,088 |
| Return on Equity (ROE) | 6.3674% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.3674% | 1,822 |
| Net charge-offs to loans | 1.5062% | 1,064 |
| Credit loss provision to net charge-offs | 11.4679% | 5,999 |
| Earnings coverage of net charge-offs (x) | 0.7959% | 5,197 |
| Efficiency ratio | 79.9885% | 2,304 |
| Assets per employee ($millions) | 5.5611% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8389% | 939 |
| Loan loss allowance to noncurrent loans | 118.3359% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 5.0940% | 1,039 |
| Noncurrent loans to loans | 2.3990% | 2,725 |
| Net loans and leases to total assets | 67.5221% | 2,487 |
| Net loans and leases to deposits | 77.9993% | 2,843 |
| Net loans and leases to core deposits | 77.9993% | 3,691 |
| Total domestic deposits to total assets | 86.5675% | 3,001 |
| Equity capital to assets | 12.4589% | 1,820 |
| Core capital (leverage) ratio | 12.4044% | 1,390 |
| Tier 1 risk-based capital ratio | 14.5431% | 3,940 |
| Total risk-based capital ratio | 15.8049% | 3,907 |
| Memoranda: | ||
| Average total assets | $39,414,400 | 6,695 |
| Average earning assets | $32,995,000 | 6,781 |
| Average equity | $4,758,600 | 6,517 |
| Average total loans | $28,946,800 | 6,205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7147% | 831 |
| Cost of funding earning assets | 1.4721% | 946 |
| Net interest margin | 4.2425% | 1,939 |
| Noninterest income to average assets | 1.1432% | 1,009 |
| Noninterest expense to average assets | 3.5106% | 1,914 |
| Loan and lease loss provision to assets | 0.1686% | 4,360 |
| Net operating income to assets | 1.0016% | 2,316 |
| Return on assets (ROA) | 1.0016% | 2,464 |
| Pretax return on assets | 1.0016% | 3,391 |
| Return on Equity (ROE) | 8.3617% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.3617% | 1,369 |
| Net charge-offs to loans | 0.5710% | 2,531 |
| Credit loss provision to net charge-offs | 39.6825% | 5,255 |
| Earnings coverage of net charge-offs (x) | 2.7539% | 3,754 |
| Efficiency ratio | 75.0000% | 3,004 |
| Assets per employee ($millions) | 4.8221% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9643% | 404 |
| Loan loss allowance to noncurrent loans | 4,312.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 3.5228% | 1,787 |
| Noncurrent loans to loans | 0.0919% | 6,703 |
| Net loans and leases to total assets | 67.6958% | 2,536 |
| Net loans and leases to deposits | 78.3152% | 2,919 |
| Net loans and leases to core deposits | 78.3152% | 3,857 |
| Total domestic deposits to total assets | 86.4401% | 2,962 |
| Equity capital to assets | 12.5697% | 1,871 |
| Core capital (leverage) ratio | 12.5635% | 1,410 |
| Tier 1 risk-based capital ratio | 14.6984% | 3,837 |
| Total risk-based capital ratio | 15.9745% | 3,799 |
| Memoranda: | ||
| Average total assets | $39,536,000 | 6,750 |
| Average earning assets | $32,966,750 | 6,844 |
| Average equity | $4,735,750 | 6,578 |
| Average total loans | $29,420,250 | 6,245 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 767 |
| Cost of funding earning assets | 1.5177% | 948 |
| Net interest margin | 4.2508% | 1,841 |
| Noninterest income to average assets | 1.5355% | 539 |
| Noninterest expense to average assets | 3.6181% | 1,703 |
| Loan and lease loss provision to assets | 0.2509% | 3,397 |
| Net operating income to assets | 1.1943% | 1,589 |
| Return on assets (ROA) | 1.1943% | 1,674 |
| Pretax return on assets | 1.1943% | 2,505 |
| Return on Equity (ROE) | 10.1320% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.1320% | 817 |
| Net charge-offs to loans | 1.0874% | 1,452 |
| Credit loss provision to net charge-offs | 30.4878% | 4,981 |
| Earnings coverage of net charge-offs (x) | 1.7561% | 3,987 |
| Efficiency ratio | 71.4569% | 3,834 |
| Assets per employee ($millions) | 3.8400% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6575% | 527 |
| Loan loss allowance to noncurrent loans | 3,851.8519% | 130 |
| Noncurrent assets plus other real estate owned to assets | 3.8568% | 1,676 |
| Noncurrent loans to loans | 0.0950% | 6,740 |
| Net loans and leases to total assets | 71.3411% | 1,924 |
| Net loans and leases to deposits | 82.3019% | 2,407 |
| Net loans and leases to core deposits | 82.3019% | 3,459 |
| Total domestic deposits to total assets | 86.6823% | 2,938 |
| Equity capital to assets | 12.4661% | 1,799 |
| Core capital (leverage) ratio | 12.3341% | 1,436 |
| Tier 1 risk-based capital ratio | 14.0670% | 4,124 |
| Total risk-based capital ratio | 15.3453% | 4,070 |
| Memoranda: | ||
| Average total assets | $39,855,670 | 6,790 |
| Average earning assets | $33,076,000 | 6,902 |
| Average equity | $4,698,000 | 6,627 |
| Average total loans | $30,162,670 | 6,268 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7681% | 782 |
| Cost of funding earning assets | 1.5764% | 892 |
| Net interest margin | 4.1917% | 1,914 |
| Noninterest income to average assets | 2.1092% | 337 |
| Noninterest expense to average assets | 3.0160% | 3,578 |
| Loan and lease loss provision to assets | 0.4928% | 1,776 |
| Net operating income to assets | 2.0600% | 320 |
| Return on assets (ROA) | 2.0600% | 335 |
| Pretax return on assets | 2.0600% | 502 |
| Return on Equity (ROE) | 17.9650% | 486 |
| Retained earnings to average equity (ytd only) | 17.9650% | 243 |
| Net charge-offs to loans | 2.2948% | 524 |
| Credit loss provision to net charge-offs | 28.0899% | 4,148 |
| Earnings coverage of net charge-offs (x) | 1.4551% | 3,618 |
| Efficiency ratio | 54.1593% | 6,682 |
| Assets per employee ($millions) | 4.3828% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4579% | 629 |
| Loan loss allowance to noncurrent loans | 1,026.0000% | 373 |
| Noncurrent assets plus other real estate owned to assets | 5.5419% | 1,090 |
| Noncurrent loans to loans | 0.3370% | 6,318 |
| Net loans and leases to total assets | 72.6201% | 1,586 |
| Net loans and leases to deposits | 83.2365% | 2,151 |
| Net loans and leases to core deposits | 83.2365% | 3,273 |
| Total domestic deposits to total assets | 87.2455% | 2,798 |
| Equity capital to assets | 12.0624% | 1,881 |
| Core capital (leverage) ratio | 11.7211% | 1,724 |
| Tier 1 risk-based capital ratio | 13.2585% | 4,611 |
| Total risk-based capital ratio | 14.5289% | 4,571 |
| Memoranda: | ||
| Average total assets | $40,583,500 | 6,812 |
| Average earning assets | $33,494,500 | 6,937 |
| Average equity | $4,653,500 | 6,667 |
| Average total loans | $31,026,500 | 6,289 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7368% | 1,447 |
| Cost of funding earning assets | 1.8211% | 1,093 |
| Net interest margin | 3.9157% | 3,417 |
| Noninterest income to average assets | 0.1978% | 6,360 |
| Noninterest expense to average assets | 6.0805% | 224 |
| Loan and lease loss provision to assets | 4.8619% | 84 |
| Net operating income to assets | -7.4002% | 7,608 |
| Return on assets (ROA) | -7.3981% | 7,610 |
| Pretax return on assets | -7.3981% | 7,614 |
| Return on Equity (ROE) | -50.7831% | 7,427 |
| Retained earnings to average equity (ytd only) | -50.7831% | 7,423 |
| Net charge-offs to loans | 7.0489% | 53 |
| Credit loss provision to net charge-offs | 85.3028% | 5,328 |
| Earnings coverage of net charge-offs (x) | -0.4453% | 6,426 |
| Efficiency ratio | 171.6578% | 135 |
| Assets per employee ($millions) | 5.2153% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5606% | 573 |
| Loan loss allowance to noncurrent loans | 171.5774% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 7.8688% | 639 |
| Noncurrent loans to loans | 2.0752% | 3,456 |
| Net loans and leases to total assets | 74.8502% | 1,506 |
| Net loans and leases to deposits | 84.9353% | 2,292 |
| Net loans and leases to core deposits | 86.1894% | 3,296 |
| Total domestic deposits to total assets | 88.1262% | 2,178 |
| Equity capital to assets | 10.9031% | 2,772 |
| Core capital (leverage) ratio | 10.2161% | 2,849 |
| Tier 1 risk-based capital ratio | 11.6356% | 5,786 |
| Total risk-based capital ratio | 12.9148% | 5,761 |
| Memoranda: | ||
| Average total assets | $47,512,200 | 6,618 |
| Average earning assets | $40,580,000 | 6,693 |
| Average equity | $6,921,600 | 6,057 |
| Average total loans | $38,417,400 | 5,989 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6614% | 1,844 |
| Cost of funding earning assets | 1.8323% | 1,293 |
| Net interest margin | 3.8291% | 3,850 |
| Noninterest income to average assets | 0.1716% | 6,652 |
| Noninterest expense to average assets | 3.8344% | 1,310 |
| Loan and lease loss provision to assets | 5.2287% | 77 |
| Net operating income to assets | -5.5963% | 7,678 |
| Return on assets (ROA) | -5.5963% | 7,684 |
| Pretax return on assets | -5.5963% | 7,676 |
| Return on Equity (ROE) | -36.4607% | 7,463 |
| Retained earnings to average equity (ytd only) | -36.4607% | 7,460 |
| Net charge-offs to loans | 6.8091% | 71 |
| Credit loss provision to net charge-offs | 94.1638% | 4,603 |
| Earnings coverage of net charge-offs (x) | -0.0662% | 6,080 |
| Efficiency ratio | 110.6049% | 516 |
| Assets per employee ($millions) | 5.6863% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0099% | 365 |
| Loan loss allowance to noncurrent loans | 296.4803% | 991 |
| Noncurrent assets plus other real estate owned to assets | 8.4392% | 573 |
| Noncurrent loans to loans | 1.3525% | 4,603 |
| Net loans and leases to total assets | 75.3572% | 1,520 |
| Net loans and leases to deposits | 87.7692% | 2,041 |
| Net loans and leases to core deposits | 88.9881% | 3,239 |
| Total domestic deposits to total assets | 85.8584% | 3,150 |
| Equity capital to assets | 13.2271% | 1,485 |
| Core capital (leverage) ratio | 10.4925% | 2,697 |
| Tier 1 risk-based capital ratio | 11.1769% | 6,214 |
| Total risk-based capital ratio | 12.4507% | 6,184 |
| Memoranda: | ||
| Average total assets | $48,959,750 | 6,659 |
| Average earning assets | $42,132,250 | 6,719 |
| Average equity | $7,514,750 | 5,941 |
| Average total loans | $39,926,250 | 6,007 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 2,661 |
| Cost of funding earning assets | 1.8501% | 1,433 |
| Net interest margin | 3.6181% | 4,739 |
| Noninterest income to average assets | 0.1836% | 6,593 |
| Noninterest expense to average assets | 3.5358% | 1,939 |
| Loan and lease loss provision to assets | 0.1596% | 5,294 |
| Net operating income to assets | -0.3512% | 6,524 |
| Return on assets (ROA) | -0.3512% | 6,565 |
| Pretax return on assets | -0.3512% | 6,471 |
| Return on Equity (ROE) | -2.1962% | 6,439 |
| Retained earnings to average equity (ytd only) | -2.1962% | 6,179 |
| Net charge-offs to loans | 3.8180% | 356 |
| Credit loss provision to net charge-offs | 5.0697% | 5,985 |
| Earnings coverage of net charge-offs (x) | -0.0608% | 5,771 |
| Efficiency ratio | 105.7279% | 634 |
| Assets per employee ($millions) | 6.1295% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 2,034 |
| Loan loss allowance to noncurrent loans | 23.2666% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 10.9144% | 331 |
| Noncurrent loans to loans | 8.8962% | 536 |
| Net loans and leases to total assets | 77.3819% | 1,218 |
| Net loans and leases to deposits | 93.0914% | 1,384 |
| Net loans and leases to core deposits | 99.2623% | 2,094 |
| Total domestic deposits to total assets | 83.1246% | 4,514 |
| Equity capital to assets | 16.2697% | 631 |
| Core capital (leverage) ratio | 13.9000% | 949 |
| Tier 1 risk-based capital ratio | 14.8634% | 3,228 |
| Total risk-based capital ratio | 16.1199% | 3,196 |
| Memoranda: | ||
| Average total assets | $50,116,330 | 6,642 |
| Average earning assets | $43,780,330 | 6,709 |
| Average equity | $8,014,000 | 5,797 |
| Average total loans | $41,331,000 | 5,991 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3898% | 3,083 |
| Cost of funding earning assets | 2.0089% | 1,056 |
| Net interest margin | 3.3810% | 5,663 |
| Noninterest income to average assets | 0.1263% | 7,046 |
| Noninterest expense to average assets | 3.2059% | 2,837 |
| Loan and lease loss provision to assets | 0.0790% | 5,853 |
| Net operating income to assets | -0.1816% | 6,524 |
| Return on assets (ROA) | -0.0790% | 6,490 |
| Pretax return on assets | -0.0790% | 6,438 |
| Return on Equity (ROE) | -0.4980% | 6,469 |
| Retained earnings to average equity (ytd only) | -0.4980% | 5,949 |
| Net charge-offs to loans | 0.7038% | 2,092 |
| Credit loss provision to net charge-offs | 13.3333% | 5,019 |
| Earnings coverage of net charge-offs (x) | -0.1733% | 5,152 |
| Efficiency ratio | 103.3079% | 742 |
| Assets per employee ($millions) | 6.0721% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5826% | 512 |
| Loan loss allowance to noncurrent loans | 29.2405% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 12.1024% | 254 |
| Noncurrent loans to loans | 12.2523% | 277 |
| Net loans and leases to total assets | 82.3270% | 553 |
| Net loans and leases to deposits | 99.4282% | 796 |
| Net loans and leases to core deposits | 101.9632% | 1,911 |
| Total domestic deposits to total assets | 82.8005% | 4,718 |
| Equity capital to assets | 16.5305% | 597 |
| Core capital (leverage) ratio | 13.6926% | 1,030 |
| Tier 1 risk-based capital ratio | 14.7231% | 3,245 |
| Total risk-based capital ratio | 16.0077% | 3,189 |
| Memoranda: | ||
| Average total assets | $50,656,500 | 6,712 |
| Average earning assets | $44,602,500 | 6,754 |
| Average equity | $8,032,000 | 5,831 |
| Average total loans | $42,623,000 | 6,000 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0820% | 1,567 |
| Cost of funding earning assets | 2.6219% | 731 |
| Net interest margin | 3.4601% | 5,128 |
| Noninterest income to average assets | 0.0018% | 7,689 |
| Noninterest expense to average assets | 3.1983% | 3,384 |
| Loan and lease loss provision to assets | 1.9466% | 1,126 |
| Net operating income to assets | -2.0148% | 7,099 |
| Return on assets (ROA) | -2.0256% | 7,100 |
| Pretax return on assets | -2.0734% | 6,968 |
| Return on Equity (ROE) | -12.6649% | 6,811 |
| Retained earnings to average equity (ytd only) | -12.6649% | 6,734 |
| Net charge-offs to loans | 0.6596% | 3,209 |
| Credit loss provision to net charge-offs | 348.3553% | 932 |
| Earnings coverage of net charge-offs (x) | -0.2072% | 6,454 |
| Efficiency ratio | 103.7567% | 960 |
| Assets per employee ($millions) | 4.7942% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5437% | 511 |
| Loan loss allowance to noncurrent loans | 41.1297% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 8.6184% | 478 |
| Noncurrent loans to loans | 8.6159% | 555 |
| Net loans and leases to total assets | 80.0535% | 985 |
| Net loans and leases to deposits | 95.6217% | 1,372 |
| Net loans and leases to core deposits | 143.6832% | 687 |
| Total domestic deposits to total assets | 83.7189% | 4,167 |
| Equity capital to assets | 15.2344% | 858 |
| Core capital (leverage) ratio | 13.0283% | 1,248 |
| Tier 1 risk-based capital ratio | 13.9471% | 3,534 |
| Total risk-based capital ratio | 15.2312% | 3,464 |
| Memoranda: | ||
| Average total assets | $54,403,800 | 6,548 |
| Average earning assets | $48,438,200 | 6,581 |
| Average equity | $8,701,200 | 5,701 |
| Average total loans | $46,088,400 | 5,833 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2137% | 1,340 |
| Cost of funding earning assets | 2.6790% | 839 |
| Net interest margin | 3.5348% | 4,721 |
| Noninterest income to average assets | 0.0097% | 7,809 |
| Noninterest expense to average assets | 3.3466% | 2,735 |
| Loan and lease loss provision to assets | 2.5756% | 634 |
| Net operating income to assets | -2.7580% | 7,527 |
| Return on assets (ROA) | -2.7580% | 7,532 |
| Pretax return on assets | -2.7580% | 7,436 |
| Return on Equity (ROE) | -17.0496% | 7,273 |
| Retained earnings to average equity (ytd only) | -17.0496% | 7,232 |
| Net charge-offs to loans | 0.6543% | 2,720 |
| Credit loss provision to net charge-offs | 462.4454% | 845 |
| Earnings coverage of net charge-offs (x) | -0.3275% | 6,376 |
| Efficiency ratio | 105.7648% | 860 |
| Assets per employee ($millions) | 4.9989% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5071% | 421 |
| Loan loss allowance to noncurrent loans | 40.6907% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 8.0399% | 535 |
| Noncurrent loans to loans | 8.6189% | 531 |
| Net loans and leases to total assets | 81.3578% | 923 |
| Net loans and leases to deposits | 97.0834% | 1,428 |
| Net loans and leases to core deposits | 148.1554% | 623 |
| Total domestic deposits to total assets | 83.8019% | 3,819 |
| Equity capital to assets | 14.7305% | 1,086 |
| Core capital (leverage) ratio | 13.1376% | 1,340 |
| Tier 1 risk-based capital ratio | 13.8162% | 3,659 |
| Total risk-based capital ratio | 15.0889% | 3,598 |
| Memoranda: | ||
| Average total assets | $54,820,750 | 6,585 |
| Average earning assets | $48,922,500 | 6,616 |
| Average equity | $8,868,000 | 5,696 |
| Average total loans | $46,668,500 | 5,862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2814% | 1,254 |
| Cost of funding earning assets | 2.7264% | 974 |
| Net interest margin | 3.5550% | 4,553 |
| Noninterest income to average assets | 0.0110% | 7,912 |
| Noninterest expense to average assets | 3.3708% | 2,719 |
| Loan and lease loss provision to assets | 0.2155% | 4,888 |
| Net operating income to assets | -0.3944% | 6,445 |
| Return on assets (ROA) | -0.3944% | 6,451 |
| Pretax return on assets | -0.3944% | 6,318 |
| Return on Equity (ROE) | -2.3674% | 6,281 |
| Retained earnings to average equity (ytd only) | -2.3674% | 5,832 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6064% | 977 |
| Assets per employee ($millions) | 5.0073% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 2,035 |
| Loan loss allowance to noncurrent loans | 25.2361% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 6.5704% | 687 |
| Noncurrent loans to loans | 7.1462% | 670 |
| Net loans and leases to total assets | 84.5225% | 554 |
| Net loans and leases to deposits | 102.5983% | 1,029 |
| Net loans and leases to core deposits | 149.4734% | 671 |
| Total domestic deposits to total assets | 82.3820% | 4,528 |
| Equity capital to assets | 16.5414% | 741 |
| Core capital (leverage) ratio | 15.0002% | 921 |
| Tier 1 risk-based capital ratio | 15.3715% | 2,867 |
| Total risk-based capital ratio | 16.6260% | 2,795 |
| Memoranda: | ||
| Average total assets | $54,765,000 | 6,645 |
| Average earning assets | $49,002,000 | 6,672 |
| Average equity | $9,124,000 | 5,643 |
| Average total loans | $46,770,330 | 5,900 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3403% | 1,190 |
| Cost of funding earning assets | 2.7477% | 1,119 |
| Net interest margin | 3.5926% | 4,342 |
| Noninterest income to average assets | -0.0220% | 8,101 |
| Noninterest expense to average assets | 3.1644% | 3,135 |
| Loan and lease loss provision to assets | 0.2051% | 4,396 |
| Net operating income to assets | -0.1831% | 6,533 |
| Return on assets (ROA) | -0.1831% | 6,619 |
| Pretax return on assets | -0.1831% | 6,557 |
| Return on Equity (ROE) | -1.0952% | 6,555 |
| Retained earnings to average equity (ytd only) | -1.0952% | 5,912 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3103% | 1,163 |
| Assets per employee ($millions) | 3.9751% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 2,014 |
| Loan loss allowance to noncurrent loans | 10.1179% | 7,510 |
| Noncurrent assets plus other real estate owned to assets | 15.3079% | 74 |
| Noncurrent loans to loans | 17.1822% | 62 |
| Net loans and leases to total assets | 83.6894% | 735 |
| Net loans and leases to deposits | 101.2831% | 1,253 |
| Net loans and leases to core deposits | 146.9582% | 812 |
| Total domestic deposits to total assets | 82.6292% | 4,323 |
| Equity capital to assets | 16.4040% | 810 |
| Core capital (leverage) ratio | 15.3961% | 885 |
| Tier 1 risk-based capital ratio | 15.2904% | 2,946 |
| Total risk-based capital ratio | 16.5445% | 2,882 |
| Memoranda: | ||
| Average total assets | $54,607,500 | 6,687 |
| Average earning assets | $48,767,500 | 6,719 |
| Average equity | $9,130,500 | 5,651 |
| Average total loans | $46,450,500 | 5,940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2895% | 604 |
| Cost of funding earning assets | 2.9753% | 1,961 |
| Net interest margin | 4.3141% | 1,933 |
| Noninterest income to average assets | 0.0870% | 7,702 |
| Noninterest expense to average assets | 3.3816% | 2,730 |
| Loan and lease loss provision to assets | 1.0572% | 1,377 |
| Net operating income to assets | -0.5689% | 6,980 |
| Return on assets (ROA) | -0.5689% | 6,868 |
| Pretax return on assets | -0.5689% | 6,708 |
| Return on Equity (ROE) | -2.8812% | 6,605 |
| Retained earnings to average equity (ytd only) | -2.8812% | 6,078 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3834% | 1,734 |
| Assets per employee ($millions) | 4.1203% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 1,769 |
| Loan loss allowance to noncurrent loans | 218.0822% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 3,424 |
| Noncurrent loans to loans | 0.8021% | 5,039 |
| Net loans and leases to total assets | 83.4646% | 966 |
| Net loans and leases to deposits | 101.6600% | 1,617 |
| Net loans and leases to core deposits | 148.7011% | 902 |
| Total domestic deposits to total assets | 82.1018% | 4,159 |
| Equity capital to assets | 17.0488% | 774 |
| Core capital (leverage) ratio | 15.6825% | 884 |
| Tier 1 risk-based capital ratio | 15.9970% | 2,665 |
| Total risk-based capital ratio | 17.2253% | 2,617 |
| Memoranda: | ||
| Average total assets | $47,107,400 | 6,897 |
| Average earning assets | $41,306,200 | 6,978 |
| Average equity | $9,301,600 | 5,632 |
| Average total loans | $35,673,200 | 6,384 |