Home > Buckeye State Bank > Performance and Condition Ratios
Buckeye State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3501% | 1,395 |
| Cost of funding earning assets | 2.1470% | 702 |
| Net interest margin | 3.2031% | 2,868 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.7542% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2872% | 4,048 |
| Return on assets (ROA) | 0.2885% | 4,047 |
| Pretax return on assets | 0.3630% | 4,016 |
| Return on Equity (ROE) | 2.9100% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.9099% | 3,308 |
| Net charge-offs to loans | 0.1271% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 4.8007% | 2,563 |
| Efficiency ratio | 83.6042% | 684 |
| Assets per employee ($millions) | 7.9142% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,302 |
| Loan loss allowance to noncurrent loans | 651.2195% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 2,959 |
| Noncurrent loans to loans | 0.1535% | 2,747 |
| Net loans and leases to total assets | 55.6700% | 3,224 |
| Net loans and leases to deposits | 74.7212% | 2,562 |
| Net loans and leases to core deposits | 98.8849% | 1,495 |
| Total domestic deposits to total assets | 74.5100% | 4,069 |
| Equity capital to assets | 9.5423% | 2,318 |
| Core capital (leverage) ratio | 9.4235% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7071% | 2,653 |
| Memoranda: | ||
| Average total assets | $373,315,800 | 2,104 |
| Average earning assets | $328,834,200 | 2,180 |
| Average equity | $37,011,800 | 1,979 |
| Average total loans | $221,140,200 | 2,154 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 1,335 |
| Cost of funding earning assets | 1.9957% | 713 |
| Net interest margin | 3.2678% | 2,757 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.8567% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2497% | 4,176 |
| Return on assets (ROA) | 0.2564% | 4,177 |
| Pretax return on assets | 0.3242% | 4,141 |
| Return on Equity (ROE) | 2.5600% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.5580% | 3,621 |
| Net charge-offs to loans | 0.1436% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3.6567% | 2,431 |
| Efficiency ratio | 84.3243% | 596 |
| Assets per employee ($millions) | 7.3380% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 2,990 |
| Loan loss allowance to noncurrent loans | 714.6006% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 3,012 |
| Noncurrent loans to loans | 0.1505% | 2,801 |
| Net loans and leases to total assets | 57.0500% | 3,112 |
| Net loans and leases to deposits | 77.8871% | 2,257 |
| Net loans and leases to core deposits | 88.8283% | 2,001 |
| Total domestic deposits to total assets | 73.2500% | 4,208 |
| Equity capital to assets | 8.9857% | 2,429 |
| Core capital (leverage) ratio | 9.8897% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6988% | 1,656 |
| Memoranda: | ||
| Average total assets | $359,802,500 | 2,165 |
| Average earning assets | $317,347,250 | 2,219 |
| Average equity | $36,069,500 | 2,007 |
| Average total loans | $216,344,000 | 2,184 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 1,347 |
| Cost of funding earning assets | 1.7857% | 759 |
| Net interest margin | 3.3268% | 2,694 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.8462% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3178% | 4,129 |
| Return on assets (ROA) | 0.3285% | 4,140 |
| Pretax return on assets | 0.4161% | 4,095 |
| Return on Equity (ROE) | 3.1400% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.1436% | 3,437 |
| Net charge-offs to loans | 0.1817% | 435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.6243% | 2,256 |
| Efficiency ratio | 81.7294% | 728 |
| Assets per employee ($millions) | 8.6503% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,367 |
| Loan loss allowance to noncurrent loans | 3,186.0759% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,609 |
| Noncurrent loans to loans | 0.0382% | 3,456 |
| Net loans and leases to total assets | 54.9400% | 3,199 |
| Net loans and leases to deposits | 78.1545% | 2,118 |
| Net loans and leases to core deposits | 86.9374% | 2,007 |
| Total domestic deposits to total assets | 70.3000% | 4,352 |
| Equity capital to assets | 9.5408% | 2,135 |
| Core capital (leverage) ratio | 10.2280% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3568% | 1,474 |
| Memoranda: | ||
| Average total assets | $340,314,667 | 2,240 |
| Average earning assets | $300,169,333 | 2,312 |
| Average equity | $35,564,667 | 2,041 |
| Average total loans | $208,050,000 | 2,234 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 1,118 |
| Cost of funding earning assets | 1.5368% | 784 |
| Net interest margin | 3.5287% | 2,291 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.1002% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2759% | 4,278 |
| Return on assets (ROA) | 0.2983% | 4,215 |
| Pretax return on assets | 0.3772% | 4,160 |
| Return on Equity (ROE) | 2.7200% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.7189% | 3,563 |
| Net charge-offs to loans | 0.1304% | 507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 4.1618% | 1,861 |
| Efficiency ratio | 84.0958% | 587 |
| Assets per employee ($millions) | 7.1365% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,157 |
| Loan loss allowance to noncurrent loans | 625.8216% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,609 |
| Noncurrent loans to loans | 0.2038% | 2,455 |
| Net loans and leases to total assets | 62.8800% | 2,371 |
| Net loans and leases to deposits | 81.4937% | 1,707 |
| Net loans and leases to core deposits | 87.0094% | 1,804 |
| Total domestic deposits to total assets | 77.1500% | 4,072 |
| Equity capital to assets | 11.0628% | 1,321 |
| Core capital (leverage) ratio | 10.8397% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5144% | 1,484 |
| Memoranda: | ||
| Average total assets | $324,491,500 | 2,340 |
| Average earning assets | $284,753,000 | 2,429 |
| Average equity | $35,603,000 | 2,058 |
| Average total loans | $208,638,500 | 2,246 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 1,049 |
| Cost of funding earning assets | 0.7621% | 449 |
| Net interest margin | 3.5371% | 1,816 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.1849% | 736 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3973% | 4,245 |
| Return on assets (ROA) | 0.4096% | 4,197 |
| Pretax return on assets | 0.5188% | 4,154 |
| Return on Equity (ROE) | 3.6900% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.6909% | 3,500 |
| Net charge-offs to loans | 0.1105% | 680 |
| Credit loss provision to net charge-offs | 34.3915% | 1,881 |
| Earnings coverage of net charge-offs (x) | 7.7302% | 2,296 |
| Efficiency ratio | 84.4488% | 474 |
| Assets per employee ($millions) | 6.9718% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 2,879 |
| Loan loss allowance to noncurrent loans | 1,521.1921% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,340 |
| Noncurrent loans to loans | 0.0725% | 3,244 |
| Net loans and leases to total assets | 64.2000% | 2,226 |
| Net loans and leases to deposits | 85.4974% | 1,352 |
| Net loans and leases to core deposits | 89.1179% | 1,548 |
| Total domestic deposits to total assets | 75.1000% | 4,309 |
| Equity capital to assets | 10.8789% | 1,311 |
| Core capital (leverage) ratio | 11.3922% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7208% | 1,428 |
| Memoranda: | ||
| Average total assets | $277,370,600 | 2,561 |
| Average earning assets | $250,768,400 | 2,607 |
| Average equity | $30,778,000 | 2,303 |
| Average total loans | $170,983,200 | 2,445 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 1,114 |
| Cost of funding earning assets | 0.6571% | 318 |
| Net interest margin | 3.4165% | 1,927 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.8168% | 1,217 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6493% | 3,697 |
| Return on assets (ROA) | 0.6663% | 3,615 |
| Pretax return on assets | 0.8439% | 3,484 |
| Return on Equity (ROE) | 5.9700% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.9695% | 2,765 |
| Net charge-offs to loans | 0.1171% | 537 |
| Credit loss provision to net charge-offs | 45.7746% | 1,538 |
| Earnings coverage of net charge-offs (x) | 12.0352% | 1,930 |
| Efficiency ratio | 76.3351% | 1,046 |
| Assets per employee ($millions) | 7.1471% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 1,674 |
| Loan loss allowance to noncurrent loans | 1,552.1739% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,360 |
| Noncurrent loans to loans | 0.0889% | 3,245 |
| Net loans and leases to total assets | 57.9200% | 2,708 |
| Net loans and leases to deposits | 78.7507% | 1,660 |
| Net loans and leases to core deposits | 81.5814% | 1,792 |
| Total domestic deposits to total assets | 73.5400% | 4,463 |
| Equity capital to assets | 11.7958% | 923 |
| Core capital (leverage) ratio | 15.5781% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3343% | 535 |
| Memoranda: | ||
| Average total assets | $266,537,500 | 2,648 |
| Average earning assets | $243,284,000 | 2,671 |
| Average equity | $29,750,250 | 2,380 |
| Average total loans | $161,678,250 | 2,534 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 996 |
| Cost of funding earning assets | 0.6001% | 271 |
| Net interest margin | 3.3651% | 1,700 |
| Noninterest income to average assets | 0.6212% | 1,652 |
| Noninterest expense to average assets | 2.7631% | 1,241 |
| Loan and lease loss provision to assets | 0.0030% | 2,555 |
| Net operating income to assets | 0.7484% | 3,148 |
| Return on assets (ROA) | 0.7484% | 3,102 |
| Pretax return on assets | 0.9482% | 2,908 |
| Return on Equity (ROE) | 6.8331% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.8331% | 2,040 |
| Net charge-offs to loans | 0.0806% | 670 |
| Credit loss provision to net charge-offs | 6.0606% | 1,644 |
| Earnings coverage of net charge-offs (x) | 19.2576% | 1,562 |
| Efficiency ratio | 74.0077% | 1,502 |
| Assets per employee ($millions) | 6.8574% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 1,641 |
| Loan loss allowance to noncurrent loans | 3,347.7612% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,742 |
| Noncurrent loans to loans | 0.0427% | 3,623 |
| Net loans and leases to total assets | 57.8556% | 2,548 |
| Net loans and leases to deposits | 81.3503% | 1,289 |
| Net loans and leases to core deposits | 84.3490% | 1,432 |
| Total domestic deposits to total assets | 71.1191% | 4,601 |
| Equity capital to assets | 9.8508% | 1,799 |
| Core capital (leverage) ratio | 13.0592% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3952% | 797 |
| Memoranda: | ||
| Average total assets | $267,236,333 | 2,669 |
| Average earning assets | $245,642,000 | 2,694 |
| Average equity | $29,269,333 | 2,449 |
| Average total loans | $163,805,000 | 2,516 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 751 |
| Cost of funding earning assets | 0.5737% | 306 |
| Net interest margin | 3.4424% | 1,199 |
| Noninterest income to average assets | 0.4297% | 2,498 |
| Noninterest expense to average assets | 2.7043% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7157% | 3,003 |
| Return on assets (ROA) | 0.7157% | 2,989 |
| Pretax return on assets | 0.9059% | 2,754 |
| Return on Equity (ROE) | 6.2216% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.2216% | 2,168 |
| Net charge-offs to loans | 0.0239% | 1,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 852 |
| Efficiency ratio | 74.5334% | 1,685 |
| Assets per employee ($millions) | 6.9339% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,706 |
| Loan loss allowance to noncurrent loans | 3,420.5882% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,788 |
| Noncurrent loans to loans | 0.0424% | 3,676 |
| Net loans and leases to total assets | 59.9564% | 2,071 |
| Net loans and leases to deposits | 86.7821% | 688 |
| Net loans and leases to core deposits | 89.7980% | 934 |
| Total domestic deposits to total assets | 69.0884% | 4,665 |
| Equity capital to assets | 11.0680% | 1,300 |
| Core capital (leverage) ratio | 12.9116% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0983% | 744 |
| Memoranda: | ||
| Average total assets | $267,134,500 | 2,680 |
| Average earning assets | $246,807,500 | 2,697 |
| Average equity | $30,731,500 | 2,444 |
| Average total loans | $167,221,500 | 2,488 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 1,663 |
| Cost of funding earning assets | 0.6034% | 533 |
| Net interest margin | 3.2796% | 2,366 |
| Noninterest income to average assets | 0.3794% | 3,164 |
| Noninterest expense to average assets | 2.4713% | 2,272 |
| Loan and lease loss provision to assets | 0.2219% | 454 |
| Net operating income to assets | 0.6270% | 3,821 |
| Return on assets (ROA) | 0.6448% | 3,819 |
| Pretax return on assets | 0.8163% | 3,692 |
| Return on Equity (ROE) | 6.3251% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.3251% | 2,214 |
| Net charge-offs to loans | 0.0672% | 1,122 |
| Credit loss provision to net charge-offs | 492.2414% | 811 |
| Earnings coverage of net charge-offs (x) | 22.5259% | 1,795 |
| Efficiency ratio | 70.4492% | 1,685 |
| Assets per employee ($millions) | 7.7365% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 2,105 |
| Loan loss allowance to noncurrent loans | 1,263.1016% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,481 |
| Noncurrent loans to loans | 0.1074% | 3,391 |
| Net loans and leases to total assets | 63.4377% | 1,768 |
| Net loans and leases to deposits | 95.4544% | 335 |
| Net loans and leases to core deposits | 99.1012% | 577 |
| Total domestic deposits to total assets | 66.4586% | 4,727 |
| Equity capital to assets | 11.9285% | 1,284 |
| Core capital (leverage) ratio | 13.3436% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1841% | 867 |
| Memoranda: | ||
| Average total assets | $257,273,400 | 2,681 |
| Average earning assets | $243,779,000 | 2,657 |
| Average equity | $26,229,000 | 2,768 |
| Average total loans | $172,646,400 | 2,439 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 2,035 |
| Cost of funding earning assets | 0.6179% | 585 |
| Net interest margin | 3.1712% | 2,827 |
| Noninterest income to average assets | 0.3896% | 3,148 |
| Noninterest expense to average assets | 2.4419% | 2,300 |
| Loan and lease loss provision to assets | 0.2257% | 433 |
| Net operating income to assets | 0.5867% | 4,024 |
| Return on assets (ROA) | 0.6107% | 4,036 |
| Pretax return on assets | 0.7735% | 3,942 |
| Return on Equity (ROE) | 6.2750% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.2750% | 2,710 |
| Net charge-offs to loans | 0.0588% | 1,055 |
| Credit loss provision to net charge-offs | 565.7895% | 723 |
| Earnings coverage of net charge-offs (x) | 24.2763% | 1,643 |
| Efficiency ratio | 71.1624% | 1,479 |
| Assets per employee ($millions) | 7.5066% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,401 |
| Loan loss allowance to noncurrent loans | 3,787.0968% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,032 |
| Noncurrent loans to loans | 0.0348% | 3,959 |
| Net loans and leases to total assets | 65.0089% | 1,653 |
| Net loans and leases to deposits | 107.3984% | 119 |
| Net loans and leases to core deposits | 111.9631% | 287 |
| Total domestic deposits to total assets | 60.5306% | 4,837 |
| Equity capital to assets | 11.8070% | 1,487 |
| Core capital (leverage) ratio | 13.9438% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6818% | 725 |
| Memoranda: | ||
| Average total assets | $253,897,000 | 2,724 |
| Average earning assets | $241,880,000 | 2,687 |
| Average equity | $24,711,250 | 2,904 |
| Average total loans | $172,273,500 | 2,486 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 2,718 |
| Cost of funding earning assets | 0.6355% | 619 |
| Net interest margin | 2.9351% | 3,489 |
| Noninterest income to average assets | 0.3542% | 3,342 |
| Noninterest expense to average assets | 2.4158% | 2,410 |
| Loan and lease loss provision to assets | 0.1046% | 1,203 |
| Net operating income to assets | 0.5121% | 4,195 |
| Return on assets (ROA) | 0.5490% | 4,160 |
| Pretax return on assets | 0.6947% | 4,075 |
| Return on Equity (ROE) | 6.1131% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.1131% | 2,757 |
| Net charge-offs to loans | 0.1045% | 723 |
| Credit loss provision to net charge-offs | 146.0674% | 1,176 |
| Earnings coverage of net charge-offs (x) | 10.5056% | 1,795 |
| Efficiency ratio | 75.7622% | 1,106 |
| Assets per employee ($millions) | 7.0553% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,583 |
| Loan loss allowance to noncurrent loans | 1,713.6000% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,895 |
| Noncurrent loans to loans | 0.0741% | 3,813 |
| Net loans and leases to total assets | 69.3833% | 1,275 |
| Net loans and leases to deposits | 101.5176% | 224 |
| Net loans and leases to core deposits | 105.6388% | 483 |
| Total domestic deposits to total assets | 68.3461% | 4,783 |
| Equity capital to assets | 10.8505% | 2,105 |
| Core capital (leverage) ratio | 11.7419% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5932% | 747 |
| Memoranda: | ||
| Average total assets | $248,450,333 | 2,748 |
| Average earning assets | $238,222,667 | 2,702 |
| Average equity | $22,312,667 | 3,064 |
| Average total loans | $170,356,000 | 2,509 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2482% | 3,583 |
| Cost of funding earning assets | 0.6576% | 662 |
| Net interest margin | 2.5907% | 4,167 |
| Noninterest income to average assets | 0.3260% | 3,470 |
| Noninterest expense to average assets | 2.3534% | 2,640 |
| Loan and lease loss provision to assets | 0.1424% | 933 |
| Net operating income to assets | 0.2519% | 4,589 |
| Return on assets (ROA) | 0.3244% | 4,520 |
| Pretax return on assets | 0.4099% | 4,471 |
| Return on Equity (ROE) | 4.0088% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.0088% | 3,499 |
| Net charge-offs to loans | 0.0934% | 720 |
| Credit loss provision to net charge-offs | 225.0000% | 852 |
| Earnings coverage of net charge-offs (x) | 7.2750% | 1,621 |
| Efficiency ratio | 83.1271% | 641 |
| Assets per employee ($millions) | 7.2608% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,891 |
| Loan loss allowance to noncurrent loans | 1,576.8116% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,987 |
| Noncurrent loans to loans | 0.0766% | 3,912 |
| Net loans and leases to total assets | 70.0575% | 1,279 |
| Net loans and leases to deposits | 115.2576% | 99 |
| Net loans and leases to core deposits | 120.5064% | 234 |
| Total domestic deposits to total assets | 60.7834% | 4,880 |
| Equity capital to assets | 7.8126% | 4,588 |
| Core capital (leverage) ratio | 9.9758% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6176% | 1,402 |
| Memoranda: | ||
| Average total assets | $252,736,000 | 2,713 |
| Average earning assets | $242,718,000 | 2,661 |
| Average equity | $20,455,000 | 3,203 |
| Average total loans | $171,245,000 | 2,506 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 2,421 |
| Cost of funding earning assets | 0.9467% | 723 |
| Net interest margin | 3.1544% | 3,482 |
| Noninterest income to average assets | 0.2591% | 3,931 |
| Noninterest expense to average assets | 2.7896% | 1,968 |
| Loan and lease loss provision to assets | 0.3220% | 1,139 |
| Net operating income to assets | 0.1369% | 4,640 |
| Return on assets (ROA) | 1.3289% | 1,277 |
| Pretax return on assets | 1.6819% | 885 |
| Return on Equity (ROE) | 15.1440% | 620 |
| Retained earnings to average equity (ytd only) | 15.1440% | 154 |
| Net charge-offs to loans | 0.2527% | 686 |
| Credit loss provision to net charge-offs | 192.6471% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.9618% | 3,123 |
| Efficiency ratio | 84.3886% | 603 |
| Assets per employee ($millions) | 7.6165% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 2,283 |
| Loan loss allowance to noncurrent loans | 1,320.2454% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,017 |
| Noncurrent loans to loans | 0.1004% | 3,890 |
| Net loans and leases to total assets | 63.7081% | 2,405 |
| Net loans and leases to deposits | 113.4422% | 123 |
| Net loans and leases to core deposits | 118.9828% | 322 |
| Total domestic deposits to total assets | 56.1591% | 4,930 |
| Equity capital to assets | 8.3773% | 4,534 |
| Core capital (leverage) ratio | 10.4036% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1283% | 1,484 |
| Memoranda: | ||
| Average total assets | $203,395,400 | 2,912 |
| Average earning assets | $195,094,800 | 2,869 |
| Average equity | $17,848,600 | 3,381 |
| Average total loans | $134,556,600 | 2,808 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 1,793 |
| Cost of funding earning assets | 1.0182% | 716 |
| Net interest margin | 3.4045% | 2,905 |
| Noninterest income to average assets | 0.2389% | 4,059 |
| Noninterest expense to average assets | 2.9570% | 1,540 |
| Loan and lease loss provision to assets | 0.3197% | 1,239 |
| Net operating income to assets | 0.1762% | 4,626 |
| Return on assets (ROA) | 1.7484% | 576 |
| Pretax return on assets | 2.2130% | 335 |
| Return on Equity (ROE) | 19.6318% | 253 |
| Retained earnings to average equity (ytd only) | 19.6318% | 83 |
| Net charge-offs to loans | 0.2361% | 649 |
| Credit loss provision to net charge-offs | 203.0973% | 2,107 |
| Earnings coverage of net charge-offs (x) | 3.4469% | 2,913 |
| Efficiency ratio | 83.9570% | 603 |
| Assets per employee ($millions) | 7.7739% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,380 |
| Loan loss allowance to noncurrent loans | 342.4837% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 3,162 |
| Noncurrent loans to loans | 0.3661% | 2,973 |
| Net loans and leases to total assets | 68.5057% | 2,173 |
| Net loans and leases to deposits | 128.4533% | 63 |
| Net loans and leases to core deposits | 135.0866% | 192 |
| Total domestic deposits to total assets | 53.3313% | 4,965 |
| Equity capital to assets | 7.7638% | 4,788 |
| Core capital (leverage) ratio | 9.8484% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4813% | 2,008 |
| Memoranda: | ||
| Average total assets | $191,408,000 | 3,000 |
| Average earning assets | $183,322,250 | 2,948 |
| Average equity | $17,046,750 | 3,457 |
| Average total loans | $127,626,000 | 2,898 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,083 |
| Cost of funding earning assets | 1.1082% | 705 |
| Net interest margin | 3.7289% | 2,054 |
| Noninterest income to average assets | 0.2242% | 4,148 |
| Noninterest expense to average assets | 3.2948% | 1,008 |
| Loan and lease loss provision to assets | 0.3419% | 1,247 |
| Net operating income to assets | 0.1128% | 4,671 |
| Return on assets (ROA) | 2.2324% | 237 |
| Pretax return on assets | 2.8259% | 140 |
| Return on Equity (ROE) | 23.6716% | 131 |
| Retained earnings to average equity (ytd only) | 23.6716% | 57 |
| Net charge-offs to loans | 0.3600% | 443 |
| Credit loss provision to net charge-offs | 145.1456% | 2,153 |
| Earnings coverage of net charge-offs (x) | 2.0583% | 2,807 |
| Efficiency ratio | 86.6263% | 514 |
| Assets per employee ($millions) | 7.7521% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,064 |
| Loan loss allowance to noncurrent loans | 432.5532% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 3,551 |
| Noncurrent loans to loans | 0.2978% | 3,319 |
| Net loans and leases to total assets | 64.8295% | 2,779 |
| Net loans and leases to deposits | 121.3347% | 88 |
| Net loans and leases to core deposits | 126.6173% | 304 |
| Total domestic deposits to total assets | 53.4303% | 4,997 |
| Equity capital to assets | 7.4906% | 4,877 |
| Core capital (leverage) ratio | 9.0933% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2827% | 1,705 |
| Memoranda: | ||
| Average total assets | $174,880,667 | 3,122 |
| Average earning assets | $166,750,667 | 3,076 |
| Average equity | $16,492,333 | 3,505 |
| Average total loans | $114,438,667 | 3,041 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 1,421 |
| Cost of funding earning assets | 1.3276% | 521 |
| Net interest margin | 3.4703% | 3,079 |
| Noninterest income to average assets | 0.3601% | 3,363 |
| Noninterest expense to average assets | 3.7562% | 657 |
| Loan and lease loss provision to assets | 0.2363% | 1,315 |
| Net operating income to assets | -0.2955% | 4,888 |
| Return on assets (ROA) | 0.5402% | 3,833 |
| Pretax return on assets | 0.6837% | 3,735 |
| Return on Equity (ROE) | 4.8799% | 3,678 |
| Retained earnings to average equity (ytd only) | 4.8799% | 2,331 |
| Net charge-offs to loans | 0.2631% | 555 |
| Credit loss provision to net charge-offs | 137.7049% | 1,631 |
| Earnings coverage of net charge-offs (x) | -0.8033% | 2,497 |
| Efficiency ratio | 103.1882% | 201 |
| Assets per employee ($millions) | 4.7327% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2023% | 375 |
| Loan loss allowance to noncurrent loans | 421.1180% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 3,128 |
| Noncurrent loans to loans | 0.5230% | 2,696 |
| Net loans and leases to total assets | 61.5644% | 3,342 |
| Net loans and leases to deposits | 92.0227% | 1,278 |
| Net loans and leases to core deposits | 97.8613% | 1,641 |
| Total domestic deposits to total assets | 66.9014% | 4,945 |
| Equity capital to assets | 10.7734% | 3,074 |
| Core capital (leverage) ratio | 9.5310% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9522% | 2,308 |
| Memoranda: | ||
| Average total assets | $142,163,500 | 3,435 |
| Average earning assets | $133,477,000 | 3,406 |
| Average equity | $15,738,000 | 3,583 |
| Average total loans | $92,744,000 | 3,344 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 2,739 |
| Cost of funding earning assets | 1.4419% | 480 |
| Net interest margin | 3.1205% | 4,338 |
| Noninterest income to average assets | 0.4623% | 2,943 |
| Noninterest expense to average assets | 4.4917% | 308 |
| Loan and lease loss provision to assets | 0.5247% | 241 |
| Net operating income to assets | -1.2901% | 5,108 |
| Return on assets (ROA) | -1.2901% | 5,112 |
| Pretax return on assets | -1.6329% | 5,121 |
| Return on Equity (ROE) | -10.3798% | 5,122 |
| Retained earnings to average equity (ytd only) | -10.3798% | 5,066 |
| Net charge-offs to loans | 0.5430% | 341 |
| Credit loss provision to net charge-offs | 137.4408% | 1,872 |
| Earnings coverage of net charge-offs (x) | -2.9028% | 3,671 |
| Efficiency ratio | 128.4225% | 63 |
| Assets per employee ($millions) | 4.7453% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3343% | 270 |
| Loan loss allowance to noncurrent loans | 354.6493% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 2,620 |
| Noncurrent loans to loans | 0.6582% | 2,246 |
| Net loans and leases to total assets | 66.0957% | 2,938 |
| Net loans and leases to deposits | 83.5526% | 2,376 |
| Net loans and leases to core deposits | 87.5647% | 2,646 |
| Total domestic deposits to total assets | 79.1068% | 4,172 |
| Equity capital to assets | 11.3869% | 2,636 |
| Core capital (leverage) ratio | 10.0634% | 3,444 |
| Tier 1 risk-based capital ratio | 12.8376% | 3,876 |
| Total risk-based capital ratio | 14.0991% | 3,757 |
| Memoranda: | ||
| Average total assets | $110,536,600 | 3,822 |
| Average earning assets | $103,476,600 | 3,808 |
| Average equity | $13,738,200 | 3,783 |
| Average total loans | $77,712,000 | 3,642 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 3,520 |
| Cost of funding earning assets | 1.4457% | 489 |
| Net interest margin | 2.9010% | 4,756 |
| Noninterest income to average assets | 0.3366% | 3,721 |
| Noninterest expense to average assets | 4.1952% | 413 |
| Loan and lease loss provision to assets | 0.6283% | 177 |
| Net operating income to assets | -1.3980% | 5,195 |
| Return on assets (ROA) | -1.3980% | 5,195 |
| Pretax return on assets | -1.7693% | 5,201 |
| Return on Equity (ROE) | -10.9438% | 5,202 |
| Retained earnings to average equity (ytd only) | -10.9438% | 5,152 |
| Net charge-offs to loans | 0.6734% | 235 |
| Credit loss provision to net charge-offs | 131.0992% | 1,813 |
| Earnings coverage of net charge-offs (x) | -2.3807% | 3,404 |
| Efficiency ratio | 130.5427% | 64 |
| Assets per employee ($millions) | 5.2617% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,292 |
| Loan loss allowance to noncurrent loans | 332.3204% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 3,233 |
| Noncurrent loans to loans | 0.4461% | 2,972 |
| Net loans and leases to total assets | 72.3556% | 2,126 |
| Net loans and leases to deposits | 98.0548% | 814 |
| Net loans and leases to core deposits | 100.4422% | 1,628 |
| Total domestic deposits to total assets | 73.7909% | 4,825 |
| Equity capital to assets | 12.7950% | 1,736 |
| Core capital (leverage) ratio | 10.7700% | 2,867 |
| Tier 1 risk-based capital ratio | 13.0405% | 3,818 |
| Total risk-based capital ratio | 14.2916% | 3,725 |
| Memoranda: | ||
| Average total assets | $103,767,250 | 3,982 |
| Average earning assets | $97,205,500 | 3,959 |
| Average equity | $13,255,250 | 3,898 |
| Average total loans | $73,857,250 | 3,741 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 4,682 |
| Cost of funding earning assets | 1.4482% | 449 |
| Net interest margin | 2.3764% | 5,171 |
| Noninterest income to average assets | 0.3822% | 3,386 |
| Noninterest expense to average assets | 4.4994% | 308 |
| Loan and lease loss provision to assets | 0.6993% | 147 |
| Net operating income to assets | -2.0488% | 5,260 |
| Return on assets (ROA) | -2.0488% | 5,260 |
| Pretax return on assets | -2.5925% | 5,264 |
| Return on Equity (ROE) | -16.0481% | 5,269 |
| Retained earnings to average equity (ytd only) | -16.0481% | 5,229 |
| Net charge-offs to loans | 0.4760% | 335 |
| Credit loss provision to net charge-offs | 208.8235% | 1,165 |
| Earnings coverage of net charge-offs (x) | -5.6529% | 3,145 |
| Efficiency ratio | 160.3930% | 35 |
| Assets per employee ($millions) | 5.0112% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 924 |
| Loan loss allowance to noncurrent loans | 295.1276% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 2,870 |
| Noncurrent loans to loans | 0.5591% | 2,593 |
| Net loans and leases to total assets | 72.0407% | 2,213 |
| Net loans and leases to deposits | 96.6484% | 968 |
| Net loans and leases to core deposits | 99.3188% | 1,785 |
| Total domestic deposits to total assets | 74.5389% | 4,797 |
| Equity capital to assets | 13.2627% | 1,458 |
| Core capital (leverage) ratio | 11.1942% | 2,424 |
| Tier 1 risk-based capital ratio | 13.7247% | 3,468 |
| Total risk-based capital ratio | 14.9786% | 3,360 |
| Memoranda: | ||
| Average total assets | $101,524,330 | 4,040 |
| Average earning assets | $95,016,670 | 4,010 |
| Average equity | $12,961,000 | 3,940 |
| Average total loans | $71,425,330 | 3,810 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1611% | 5,351 |
| Cost of funding earning assets | 1.4393% | 398 |
| Net interest margin | 0.7218% | 5,356 |
| Noninterest income to average assets | 0.4334% | 2,954 |
| Noninterest expense to average assets | 4.8962% | 221 |
| Loan and lease loss provision to assets | 0.4696% | 230 |
| Net operating income to assets | -3.3631% | 5,336 |
| Return on assets (ROA) | -3.3631% | 5,335 |
| Pretax return on assets | -4.2581% | 5,341 |
| Return on Equity (ROE) | -26.8956% | 5,340 |
| Retained earnings to average equity (ytd only) | -26.8956% | 5,296 |
| Net charge-offs to loans | 0.4723% | 324 |
| Credit loss provision to net charge-offs | 144.4444% | 1,270 |
| Earnings coverage of net charge-offs (x) | -11.6543% | 2,720 |
| Efficiency ratio | 383.3333% | 4 |
| Assets per employee ($millions) | 4.7110% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 1,036 |
| Loan loss allowance to noncurrent loans | 492.5439% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 3,700 |
| Noncurrent loans to loans | 0.3274% | 3,394 |
| Net loans and leases to total assets | 69.2587% | 2,587 |
| Net loans and leases to deposits | 88.4527% | 1,812 |
| Net loans and leases to core deposits | 90.5773% | 2,433 |
| Total domestic deposits to total assets | 78.3002% | 4,465 |
| Equity capital to assets | 13.1535% | 1,368 |
| Core capital (leverage) ratio | 11.0354% | 2,542 |
| Tier 1 risk-based capital ratio | 14.2152% | 3,237 |
| Total risk-based capital ratio | 15.4681% | 3,161 |
| Memoranda: | ||
| Average total assets | $99,669,000 | 4,112 |
| Average earning assets | $93,099,000 | 4,094 |
| Average equity | $12,463,000 | 4,008 |
| Average total loans | $68,596,000 | 3,900 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 4,226 |
| Cost of funding earning assets | 1.2203% | 311 |
| Net interest margin | 2.7049% | 5,094 |
| Noninterest income to average assets | 0.4678% | 3,007 |
| Noninterest expense to average assets | 4.3521% | 348 |
| Loan and lease loss provision to assets | 0.6721% | 156 |
| Net operating income to assets | -1.6585% | 5,364 |
| Return on assets (ROA) | -1.6550% | 5,362 |
| Pretax return on assets | -2.0349% | 5,368 |
| Return on Equity (ROE) | -14.0165% | 5,370 |
| Retained earnings to average equity (ytd only) | -14.0165% | 5,357 |
| Net charge-offs to loans | 0.3908% | 483 |
| Credit loss provision to net charge-offs | 250.8197% | 1,185 |
| Earnings coverage of net charge-offs (x) | -5.1025% | 3,744 |
| Efficiency ratio | 144.5916% | 32 |
| Assets per employee ($millions) | 4.3655% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,014 |
| Loan loss allowance to noncurrent loans | 527.6699% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 3,799 |
| Noncurrent loans to loans | 0.3050% | 3,459 |
| Net loans and leases to total assets | 66.1943% | 3,102 |
| Net loans and leases to deposits | 82.5187% | 2,674 |
| Net loans and leases to core deposits | 83.8766% | 3,104 |
| Total domestic deposits to total assets | 80.2173% | 4,058 |
| Equity capital to assets | 11.8648% | 1,991 |
| Core capital (leverage) ratio | 10.1167% | 3,438 |
| Tier 1 risk-based capital ratio | 13.1427% | 3,764 |
| Total risk-based capital ratio | 14.3943% | 3,646 |
| Memoranda: | ||
| Average total assets | $91,059,400 | 4,252 |
| Average earning assets | $84,736,600 | 4,239 |
| Average equity | $10,751,600 | 4,197 |
| Average total loans | $62,435,600 | 4,037 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 4,557 |
| Cost of funding earning assets | 1.1074% | 386 |
| Net interest margin | 2.6368% | 5,205 |
| Noninterest income to average assets | 0.4824% | 2,968 |
| Noninterest expense to average assets | 4.4798% | 300 |
| Loan and lease loss provision to assets | 0.4433% | 271 |
| Net operating income to assets | -1.5764% | 5,436 |
| Return on assets (ROA) | -1.5764% | 5,433 |
| Pretax return on assets | -1.9897% | 5,445 |
| Return on Equity (ROE) | -13.3696% | 5,437 |
| Retained earnings to average equity (ytd only) | -13.3696% | 5,417 |
| Net charge-offs to loans | 0.3488% | 468 |
| Credit loss provision to net charge-offs | 184.3750% | 1,478 |
| Earnings coverage of net charge-offs (x) | -6.4312% | 3,458 |
| Efficiency ratio | 151.4857% | 24 |
| Assets per employee ($millions) | 3.8429% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,410 |
| Loan loss allowance to noncurrent loans | 389.9543% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,806 |
| Noncurrent loans to loans | 0.3179% | 3,530 |
| Net loans and leases to total assets | 70.8250% | 2,526 |
| Net loans and leases to deposits | 88.2380% | 2,123 |
| Net loans and leases to core deposits | 90.6285% | 2,601 |
| Total domestic deposits to total assets | 80.2658% | 4,051 |
| Equity capital to assets | 10.2652% | 3,382 |
| Core capital (leverage) ratio | 8.6547% | 5,001 |
| Tier 1 risk-based capital ratio | 10.2528% | 5,311 |
| Total risk-based capital ratio | 11.3805% | 5,287 |
| Memoranda: | ||
| Average total assets | $88,722,750 | 4,334 |
| Average earning assets | $82,473,000 | 4,314 |
| Average equity | $10,461,250 | 4,278 |
| Average total loans | $61,157,000 | 4,106 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 5,064 |
| Cost of funding earning assets | 0.9791% | 517 |
| Net interest margin | 2.3979% | 5,382 |
| Noninterest income to average assets | 0.4057% | 3,444 |
| Noninterest expense to average assets | 4.4603% | 307 |
| Loan and lease loss provision to assets | 0.2782% | 528 |
| Net operating income to assets | -1.6645% | 5,503 |
| Return on assets (ROA) | -1.6645% | 5,496 |
| Pretax return on assets | -2.1073% | 5,503 |
| Return on Equity (ROE) | -13.4697% | 5,491 |
| Retained earnings to average equity (ytd only) | -13.4697% | 5,457 |
| Net charge-offs to loans | 0.4575% | 336 |
| Credit loss provision to net charge-offs | 89.5522% | 2,161 |
| Earnings coverage of net charge-offs (x) | -5.8881% | 3,176 |
| Efficiency ratio | 168.1057% | 20 |
| Assets per employee ($millions) | 4.4259% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,668 |
| Loan loss allowance to noncurrent loans | 383.1522% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 3,963 |
| Noncurrent loans to loans | 0.3151% | 3,578 |
| Net loans and leases to total assets | 65.1660% | 3,252 |
| Net loans and leases to deposits | 84.2493% | 2,511 |
| Net loans and leases to core deposits | 86.4916% | 2,880 |
| Total domestic deposits to total assets | 77.3490% | 4,685 |
| Equity capital to assets | 11.5334% | 2,177 |
| Core capital (leverage) ratio | 9.8407% | 3,745 |
| Tier 1 risk-based capital ratio | 12.7720% | 4,028 |
| Total risk-based capital ratio | 13.8770% | 4,009 |
| Memoranda: | ||
| Average total assets | $86,273,000 | 4,406 |
| Average earning assets | $80,070,670 | 4,401 |
| Average equity | $10,661,000 | 4,283 |
| Average total loans | $58,577,000 | 4,198 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 5,200 |
| Cost of funding earning assets | 0.9386% | 490 |
| Net interest margin | 2.3035% | 5,470 |
| Noninterest income to average assets | 0.3382% | 3,894 |
| Noninterest expense to average assets | 4.4721% | 303 |
| Loan and lease loss provision to assets | 0.2819% | 476 |
| Net operating income to assets | -1.8039% | 5,564 |
| Return on assets (ROA) | -1.8039% | 5,562 |
| Pretax return on assets | -2.2830% | 5,572 |
| Return on Equity (ROE) | -14.1086% | 5,555 |
| Retained earnings to average equity (ytd only) | -14.1086% | 5,442 |
| Net charge-offs to loans | 0.3477% | 444 |
| Credit loss provision to net charge-offs | 117.6471% | 1,396 |
| Earnings coverage of net charge-offs (x) | -8.3529% | 2,698 |
| Efficiency ratio | 179.4677% | 19 |
| Assets per employee ($millions) | 4.2533% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,340 |
| Loan loss allowance to noncurrent loans | 241.8605% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,428 |
| Noncurrent loans to loans | 0.5288% | 2,938 |
| Net loans and leases to total assets | 66.0616% | 3,022 |
| Net loans and leases to deposits | 85.1738% | 2,276 |
| Net loans and leases to core deposits | 87.5177% | 2,680 |
| Total domestic deposits to total assets | 77.5610% | 4,795 |
| Equity capital to assets | 12.3974% | 1,552 |
| Core capital (leverage) ratio | 10.3438% | 3,129 |
| Tier 1 risk-based capital ratio | 13.6821% | 3,555 |
| Total risk-based capital ratio | 14.8616% | 3,508 |
| Memoranda: | ||
| Average total assets | $85,151,000 | 4,472 |
| Average earning assets | $78,837,000 | 4,472 |
| Average equity | $10,887,000 | 4,287 |
| Average total loans | $58,671,500 | 4,229 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3404% | 5,030 |
| Cost of funding earning assets | 0.8763% | 424 |
| Net interest margin | 2.4641% | 5,430 |
| Noninterest income to average assets | 0.4685% | 3,204 |
| Noninterest expense to average assets | 3.6144% | 885 |
| Loan and lease loss provision to assets | 0.2886% | 608 |
| Net operating income to assets | -1.5397% | 5,625 |
| Return on assets (ROA) | -1.4464% | 5,625 |
| Pretax return on assets | -1.0657% | 5,603 |
| Return on Equity (ROE) | -12.7758% | 5,617 |
| Retained earnings to average equity (ytd only) | -12.7758% | 5,576 |
| Net charge-offs to loans | 0.4556% | 524 |
| Credit loss provision to net charge-offs | 84.9673% | 2,868 |
| Earnings coverage of net charge-offs (x) | -2.5621% | 4,056 |
| Efficiency ratio | 129.1262% | 44 |
| Assets per employee ($millions) | 5.6783% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,838 |
| Loan loss allowance to noncurrent loans | 415.6069% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,120 |
| Noncurrent loans to loans | 0.2863% | 3,752 |
| Net loans and leases to total assets | 70.0918% | 2,509 |
| Net loans and leases to deposits | 92.5180% | 1,446 |
| Net loans and leases to core deposits | 95.5812% | 2,069 |
| Total domestic deposits to total assets | 75.7602% | 5,004 |
| Equity capital to assets | 13.0204% | 1,256 |
| Core capital (leverage) ratio | 10.6155% | 2,722 |
| Tier 1 risk-based capital ratio | 13.5036% | 3,625 |
| Total risk-based capital ratio | 14.5995% | 3,624 |
| Memoranda: | ||
| Average total assets | $90,083,200 | 4,422 |
| Average earning assets | $83,193,600 | 4,416 |
| Average equity | $10,199,000 | 4,420 |
| Average total loans | $67,164,200 | 4,026 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2873% | 5,124 |
| Cost of funding earning assets | 0.8530% | 447 |
| Net interest margin | 2.4343% | 5,508 |
| Noninterest income to average assets | 0.4848% | 3,120 |
| Noninterest expense to average assets | 3.7527% | 717 |
| Loan and lease loss provision to assets | 0.2920% | 541 |
| Net operating income to assets | -1.3098% | 5,692 |
| Return on assets (ROA) | -1.1871% | 5,684 |
| Pretax return on assets | -1.1871% | 5,679 |
| Return on Equity (ROE) | -10.3779% | 5,674 |
| Retained earnings to average equity (ytd only) | -10.3779% | 5,612 |
| Net charge-offs to loans | 0.5325% | 380 |
| Credit loss provision to net charge-offs | 72.7273% | 2,673 |
| Earnings coverage of net charge-offs (x) | -2.5345% | 3,740 |
| Efficiency ratio | 135.9317% | 38 |
| Assets per employee ($millions) | 5.4143% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,537 |
| Loan loss allowance to noncurrent loans | 300.8621% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 4,000 |
| Noncurrent loans to loans | 0.3626% | 3,655 |
| Net loans and leases to total assets | 73.0587% | 2,085 |
| Net loans and leases to deposits | 93.8088% | 1,321 |
| Net loans and leases to core deposits | 96.7678% | 1,998 |
| Total domestic deposits to total assets | 77.8804% | 4,750 |
| Equity capital to assets | 14.5979% | 829 |
| Core capital (leverage) ratio | 11.8449% | 1,788 |
| Tier 1 risk-based capital ratio | 14.8394% | 2,995 |
| Total risk-based capital ratio | 15.8322% | 3,057 |
| Memoranda: | ||
| Average total assets | $91,310,500 | 4,443 |
| Average earning assets | $84,403,250 | 4,435 |
| Average equity | $10,445,000 | 4,426 |
| Average total loans | $68,850,500 | 4,020 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 5,185 |
| Cost of funding earning assets | 0.8284% | 454 |
| Net interest margin | 2.4153% | 5,559 |
| Noninterest income to average assets | 0.4909% | 3,080 |
| Noninterest expense to average assets | 3.4086% | 1,149 |
| Loan and lease loss provision to assets | 0.3015% | 508 |
| Net operating income to assets | -0.9840% | 5,716 |
| Return on assets (ROA) | -0.8764% | 5,708 |
| Pretax return on assets | -0.8764% | 5,702 |
| Return on Equity (ROE) | -8.3424% | 5,710 |
| Retained earnings to average equity (ytd only) | -8.3424% | 5,621 |
| Net charge-offs to loans | 0.5392% | 360 |
| Credit loss provision to net charge-offs | 73.6842% | 2,336 |
| Earnings coverage of net charge-offs (x) | -1.6684% | 3,443 |
| Efficiency ratio | 123.7757% | 56 |
| Assets per employee ($millions) | 5.3249% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,840 |
| Loan loss allowance to noncurrent loans | 924.0000% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,864 |
| Noncurrent loans to loans | 0.1138% | 4,666 |
| Net loans and leases to total assets | 72.0447% | 2,199 |
| Net loans and leases to deposits | 90.2420% | 1,696 |
| Net loans and leases to core deposits | 92.8805% | 2,261 |
| Total domestic deposits to total assets | 79.8350% | 4,450 |
| Equity capital to assets | 12.7349% | 1,506 |
| Core capital (leverage) ratio | 10.6299% | 2,778 |
| Tier 1 risk-based capital ratio | 12.4506% | 4,332 |
| Total risk-based capital ratio | 13.3818% | 4,426 |
| Memoranda: | ||
| Average total assets | $92,882,000 | 4,442 |
| Average earning assets | $85,951,000 | 4,435 |
| Average equity | $9,757,330 | 4,548 |
| Average total loans | $70,471,330 | 4,000 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 4,958 |
| Cost of funding earning assets | 0.8544% | 371 |
| Net interest margin | 2.5309% | 5,520 |
| Noninterest income to average assets | 0.7357% | 1,802 |
| Noninterest expense to average assets | 3.3467% | 1,296 |
| Loan and lease loss provision to assets | 0.1701% | 1,040 |
| Net operating income to assets | -0.4508% | 5,731 |
| Return on assets (ROA) | -0.4508% | 5,728 |
| Pretax return on assets | -0.4508% | 5,721 |
| Return on Equity (ROE) | -4.7791% | 5,737 |
| Retained earnings to average equity (ytd only) | -4.7791% | 5,370 |
| Net charge-offs to loans | 0.3794% | 484 |
| Credit loss provision to net charge-offs | 57.9710% | 1,925 |
| Earnings coverage of net charge-offs (x) | -0.9565% | 2,876 |
| Efficiency ratio | 108.0444% | 145 |
| Assets per employee ($millions) | 5.4801% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 4,170 |
| Loan loss allowance to noncurrent loans | 311.6883% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 4,217 |
| Noncurrent loans to loans | 0.3268% | 3,950 |
| Net loans and leases to total assets | 75.0979% | 1,562 |
| Net loans and leases to deposits | 83.5168% | 2,338 |
| Net loans and leases to core deposits | 85.6118% | 2,757 |
| Total domestic deposits to total assets | 89.9196% | 699 |
| Equity capital to assets | 9.9033% | 3,872 |
| Core capital (leverage) ratio | 7.5881% | 5,687 |
| Tier 1 risk-based capital ratio | 9.3944% | 5,783 |
| Total risk-based capital ratio | 10.3517% | 5,800 |
| Memoranda: | ||
| Average total assets | $94,061,500 | 4,457 |
| Average earning assets | $86,608,000 | 4,466 |
| Average equity | $8,872,000 | 4,740 |
| Average total loans | $72,752,000 | 3,980 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,723 |
| Cost of funding earning assets | 0.8245% | 445 |
| Net interest margin | 3.6120% | 3,032 |
| Noninterest income to average assets | 0.3491% | 4,237 |
| Noninterest expense to average assets | 3.8089% | 769 |
| Loan and lease loss provision to assets | 0.4107% | 373 |
| Net operating income to assets | -0.3799% | 5,757 |
| Return on assets (ROA) | -0.3468% | 5,762 |
| Pretax return on assets | -0.5270% | 5,785 |
| Return on Equity (ROE) | -3.7486% | 5,771 |
| Retained earnings to average equity (ytd only) | -3.7486% | 5,622 |
| Net charge-offs to loans | 0.1040% | 2,231 |
| Credit loss provision to net charge-offs | 486.4865% | 677 |
| Earnings coverage of net charge-offs (x) | -1.9730% | 4,192 |
| Efficiency ratio | 103.5390% | 184 |
| Assets per employee ($millions) | 5.5860% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,940 |
| Loan loss allowance to noncurrent loans | 332.6360% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 4,300 |
| Noncurrent loans to loans | 0.3193% | 4,004 |
| Net loans and leases to total assets | 77.9965% | 1,196 |
| Net loans and leases to deposits | 85.9236% | 2,183 |
| Net loans and leases to core deposits | 88.0042% | 2,675 |
| Total domestic deposits to total assets | 90.7742% | 357 |
| Equity capital to assets | 8.9699% | 4,853 |
| Core capital (leverage) ratio | 6.5928% | 5,834 |
| Tier 1 risk-based capital ratio | 8.0540% | 5,876 |
| Total risk-based capital ratio | 9.0650% | 5,879 |
| Memoranda: | ||
| Average total assets | $87,662,800 | 4,591 |
| Average earning assets | $79,929,000 | 4,588 |
| Average equity | $8,109,600 | 4,916 |
| Average total loans | $71,170,600 | 4,022 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,813 |
| Cost of funding earning assets | 0.7865% | 544 |
| Net interest margin | 3.3301% | 4,093 |
| Noninterest income to average assets | 0.4784% | 3,387 |
| Noninterest expense to average assets | 3.6921% | 860 |
| Loan and lease loss provision to assets | 0.4380% | 308 |
| Net operating income to assets | -0.3497% | 5,836 |
| Return on assets (ROA) | -0.3060% | 5,833 |
| Pretax return on assets | -0.5514% | 5,857 |
| Return on Equity (ROE) | -3.2802% | 5,841 |
| Retained earnings to average equity (ytd only) | -3.2802% | 5,665 |
| Net charge-offs to loans | 0.0645% | 2,423 |
| Credit loss provision to net charge-offs | 829.4118% | 485 |
| Earnings coverage of net charge-offs (x) | -3.4414% | 3,883 |
| Efficiency ratio | 104.1150% | 174 |
| Assets per employee ($millions) | 5.4365% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 4,558 |
| Loan loss allowance to noncurrent loans | 332.7660% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 4,480 |
| Noncurrent loans to loans | 0.2917% | 4,214 |
| Net loans and leases to total assets | 81.5241% | 683 |
| Net loans and leases to deposits | 90.0875% | 1,742 |
| Net loans and leases to core deposits | 90.3958% | 2,538 |
| Total domestic deposits to total assets | 90.4943% | 324 |
| Equity capital to assets | 8.9222% | 5,232 |
| Core capital (leverage) ratio | 7.5748% | 5,819 |
| Tier 1 risk-based capital ratio | 8.0829% | 5,940 |
| Total risk-based capital ratio | 8.9896% | 5,945 |
| Memoranda: | ||
| Average total assets | $85,838,000 | 4,651 |
| Average earning assets | $78,154,000 | 4,658 |
| Average equity | $8,007,500 | 4,984 |
| Average total loans | $70,247,750 | 4,070 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,662 |
| Cost of funding earning assets | 0.7431% | 656 |
| Net interest margin | 3.7099% | 2,655 |
| Noninterest income to average assets | 0.1246% | 5,687 |
| Noninterest expense to average assets | 3.7697% | 802 |
| Loan and lease loss provision to assets | 0.5570% | 218 |
| Net operating income to assets | -0.8355% | 5,965 |
| Return on assets (ROA) | -0.7280% | 5,958 |
| Pretax return on assets | -0.7280% | 5,951 |
| Return on Equity (ROE) | -7.5718% | 5,957 |
| Retained earnings to average equity (ytd only) | -7.5718% | 5,830 |
| Net charge-offs to loans | 0.0329% | 2,793 |
| Credit loss provision to net charge-offs | 2,072.7273% | 199 |
| Earnings coverage of net charge-offs (x) | -10.3636% | 3,648 |
| Efficiency ratio | 106.8579% | 166 |
| Assets per employee ($millions) | 4.5099% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 4,656 |
| Loan loss allowance to noncurrent loans | 806.4516% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 5,099 |
| Noncurrent loans to loans | 0.1207% | 4,965 |
| Net loans and leases to total assets | 84.6203% | 375 |
| Net loans and leases to deposits | 97.4192% | 937 |
| Net loans and leases to core deposits | 98.6239% | 1,759 |
| Total domestic deposits to total assets | 86.8621% | 1,980 |
| Equity capital to assets | 9.5125% | 4,761 |
| Core capital (leverage) ratio | 8.0776% | 5,684 |
| Tier 1 risk-based capital ratio | 8.4926% | 6,010 |
| Total risk-based capital ratio | 9.4236% | 6,016 |
| Memoranda: | ||
| Average total assets | $81,864,330 | 4,775 |
| Average earning assets | $74,288,330 | 4,797 |
| Average equity | $7,871,330 | 5,046 |
| Average total loans | $66,810,670 | 4,174 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 1,378 |
| Cost of funding earning assets | 0.6776% | 901 |
| Net interest margin | 3.8721% | 2,026 |
| Noninterest income to average assets | 0.1287% | 5,702 |
| Noninterest expense to average assets | 3.0631% | 2,200 |
| Loan and lease loss provision to assets | 0.4273% | 311 |
| Net operating income to assets | 0.1390% | 5,625 |
| Return on assets (ROA) | 0.1905% | 5,601 |
| Pretax return on assets | 0.1905% | 5,647 |
| Return on Equity (ROE) | 1.9689% | 5,504 |
| Retained earnings to average equity (ytd only) | 1.9689% | 4,466 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2624% | 1,229 |
| Assets per employee ($millions) | 4.1421% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 4,775 |
| Loan loss allowance to noncurrent loans | 1,468.1818% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 5,400 |
| Noncurrent loans to loans | 0.0659% | 5,214 |
| Net loans and leases to total assets | 79.8713% | 833 |
| Net loans and leases to deposits | 92.5438% | 1,278 |
| Net loans and leases to core deposits | 94.1289% | 1,979 |
| Total domestic deposits to total assets | 86.3065% | 2,533 |
| Equity capital to assets | 9.3926% | 4,777 |
| Core capital (leverage) ratio | 7.9701% | 5,785 |
| Tier 1 risk-based capital ratio | 8.3657% | 6,068 |
| Total risk-based capital ratio | 9.2772% | 6,078 |
| Memoranda: | ||
| Average total assets | $77,698,000 | 4,904 |
| Average earning assets | $70,245,500 | 4,921 |
| Average equity | $7,517,000 | 5,139 |
| Average total loans | $61,678,500 | 4,322 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 1,526 |
| Cost of funding earning assets | 0.3973% | 3,190 |
| Net interest margin | 4.1255% | 1,347 |
| Noninterest income to average assets | 0.2538% | 5,076 |
| Noninterest expense to average assets | 3.6067% | 1,115 |
| Loan and lease loss provision to assets | 0.7554% | 131 |
| Net operating income to assets | -0.5056% | 6,046 |
| Return on assets (ROA) | -0.3906% | 6,028 |
| Pretax return on assets | -0.3906% | 6,013 |
| Return on Equity (ROE) | -2.9609% | 6,009 |
| Retained earnings to average equity (ytd only) | -2.9609% | 5,819 |
| Net charge-offs to loans | 0.0575% | 3,072 |
| Credit loss provision to net charge-offs | 2,116.6667% | 158 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,135 |
| Efficiency ratio | 91.8766% | 577 |
| Assets per employee ($millions) | 4.5346% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 4,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.1577% | 1,232 |
| Net loans and leases to deposits | 92.1195% | 1,386 |
| Net loans and leases to core deposits | 93.5074% | 2,089 |
| Total domestic deposits to total assets | 83.7583% | 3,576 |
| Equity capital to assets | 9.9967% | 3,958 |
| Core capital (leverage) ratio | 9.7073% | 3,894 |
| Tier 1 risk-based capital ratio | 8.5329% | 6,127 |
| Total risk-based capital ratio | 9.4147% | 6,132 |
| Memoranda: | ||
| Average total assets | $50,434,600 | 5,531 |
| Average earning assets | $44,042,800 | 5,577 |
| Average equity | $6,653,400 | 5,311 |
| Average total loans | $31,302,600 | 5,314 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,044 |
| Cost of funding earning assets | 0.3376% | 3,892 |
| Net interest margin | 4.0238% | 1,625 |
| Noninterest income to average assets | 0.0772% | 6,021 |
| Noninterest expense to average assets | 4.1539% | 558 |
| Loan and lease loss provision to assets | 0.6562% | 126 |
| Net operating income to assets | -0.2837% | 6,084 |
| Return on assets (ROA) | -0.1811% | 6,055 |
| Pretax return on assets | -1.1045% | 6,194 |
| Return on Equity (ROE) | -1.2506% | 6,040 |
| Retained earnings to average equity (ytd only) | -1.2506% | 5,786 |
| Net charge-offs to loans | 0.0480% | 2,933 |
| Credit loss provision to net charge-offs | 2,455.5556% | 147 |
| Earnings coverage of net charge-offs (x) | -22.7775% | 4,155 |
| Efficiency ratio | 115.1591% | 116 |
| Assets per employee ($millions) | 3.3376% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 4,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.0199% | 2,673 |
| Net loans and leases to deposits | 85.9028% | 2,154 |
| Net loans and leases to core deposits | 87.2439% | 2,731 |
| Total domestic deposits to total assets | 79.1824% | 4,933 |
| Equity capital to assets | 12.9827% | 1,454 |
| Core capital (leverage) ratio | 12.4988% | 1,418 |
| Tier 1 risk-based capital ratio | 12.1688% | 4,984 |
| Total risk-based capital ratio | 13.0512% | 5,120 |
| Memoranda: | ||
| Average total assets | $44,904,750 | 5,735 |
| Average earning assets | $38,701,500 | 5,786 |
| Average equity | $6,503,500 | 5,415 |
| Average total loans | $24,992,250 | 5,618 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 3,568 |
| Cost of funding earning assets | 0.3346% | 3,990 |
| Net interest margin | 3.5965% | 3,108 |
| Noninterest income to average assets | 0.2852% | 4,922 |
| Noninterest expense to average assets | 4.0264% | 657 |
| Loan and lease loss provision to assets | 0.4801% | 213 |
| Net operating income to assets | -0.6235% | 6,210 |
| Return on assets (ROA) | -0.4896% | 6,197 |
| Pretax return on assets | -0.9460% | 6,251 |
| Return on Equity (ROE) | -3.2388% | 6,161 |
| Retained earnings to average equity (ytd only) | -3.2388% | 5,933 |
| Net charge-offs to loans | 0.0854% | 2,186 |
| Credit loss provision to net charge-offs | 1,122.2222% | 317 |
| Earnings coverage of net charge-offs (x) | -15.7778% | 3,856 |
| Efficiency ratio | 117.8723% | 116 |
| Assets per employee ($millions) | 3.1772% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 4,583 |
| Loan loss allowance to noncurrent loans | 5,240.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,855 |
| Noncurrent loans to loans | 0.0201% | 5,683 |
| Net loans and leases to total assets | 51.6031% | 4,792 |
| Net loans and leases to deposits | 69.8268% | 3,953 |
| Net loans and leases to core deposits | 69.8268% | 4,340 |
| Total domestic deposits to total assets | 73.9015% | 5,806 |
| Equity capital to assets | 13.5801% | 1,135 |
| Core capital (leverage) ratio | 12.1165% | 1,590 |
| Tier 1 risk-based capital ratio | 14.0472% | 3,899 |
| Total risk-based capital ratio | 14.8160% | 4,112 |
| Memoranda: | ||
| Average total assets | $42,072,330 | 5,859 |
| Average earning assets | $35,868,670 | 5,908 |
| Average equity | $6,360,330 | 5,479 |
| Average total loans | $21,087,670 | 5,808 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,254 |
| Cost of funding earning assets | 0.3257% | 4,156 |
| Net interest margin | 3.6668% | 2,745 |
| Noninterest income to average assets | 0.3666% | 4,280 |
| Noninterest expense to average assets | 4.3789% | 469 |
| Loan and lease loss provision to assets | 0.3666% | 338 |
| Net operating income to assets | -1.2831% | 6,337 |
| Return on assets (ROA) | -0.8350% | 6,308 |
| Pretax return on assets | -0.8350% | 6,298 |
| Return on Equity (ROE) | -5.2026% | 6,262 |
| Retained earnings to average equity (ytd only) | -5.2026% | 5,949 |
| Net charge-offs to loans | 0.1041% | 1,693 |
| Credit loss provision to net charge-offs | 720.0000% | 419 |
| Earnings coverage of net charge-offs (x) | -18.0000% | 3,258 |
| Efficiency ratio | 124.1176% | 104 |
| Assets per employee ($millions) | 2.8452% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 4,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 5,454 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 52.8632% | 4,567 |
| Net loans and leases to deposits | 66.8625% | 4,064 |
| Net loans and leases to core deposits | 66.8625% | 4,438 |
| Total domestic deposits to total assets | 79.0626% | 5,251 |
| Equity capital to assets | 16.2378% | 519 |
| Core capital (leverage) ratio | 12.1990% | 1,510 |
| Tier 1 risk-based capital ratio | 15.3896% | 3,201 |
| Total risk-based capital ratio | 16.1809% | 3,403 |
| Memoranda: | ||
| Average total assets | $39,279,500 | 5,975 |
| Average earning assets | $33,162,000 | 6,037 |
| Average equity | $6,304,500 | 5,531 |
| Average total loans | $19,204,000 | 5,933 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,826 |
| Cost of funding earning assets | 0.3611% | 4,127 |
| Net interest margin | 3.3256% | 4,485 |
| Noninterest income to average assets | 0.0690% | 6,247 |
| Noninterest expense to average assets | 5.0049% | 304 |
| Loan and lease loss provision to assets | 0.4568% | 362 |
| Net operating income to assets | -2.0956% | 6,456 |
| Return on assets (ROA) | -1.9278% | 6,452 |
| Pretax return on assets | -2.4048% | 6,461 |
| Return on Equity (ROE) | -12.2674% | 6,388 |
| Retained earnings to average equity (ytd only) | -12.2674% | 6,353 |
| Net charge-offs to loans | 0.2468% | 1,734 |
| Credit loss provision to net charge-offs | 588.8889% | 452 |
| Earnings coverage of net charge-offs (x) | -27.8148% | 4,938 |
| Efficiency ratio | 172.7548% | 33 |
| Assets per employee ($millions) | 2.7661% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 4,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 5,383 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.6916% | 5,482 |
| Net loans and leases to deposits | 61.2688% | 4,785 |
| Net loans and leases to core deposits | 61.8285% | 5,009 |
| Total domestic deposits to total assets | 71.3113% | 6,124 |
| Equity capital to assets | 15.8576% | 557 |
| Core capital (leverage) ratio | 12.2504% | 1,476 |
| Tier 1 risk-based capital ratio | 22.1158% | 1,207 |
| Total risk-based capital ratio | 23.1622% | 1,215 |
| Memoranda: | ||
| Average total assets | $34,805,800 | 6,162 |
| Average earning assets | $29,077,200 | 6,198 |
| Average equity | $5,469,800 | 5,748 |
| Average total loans | $10,939,200 | 6,291 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 5,831 |
| Cost of funding earning assets | 0.3782% | 4,040 |
| Net interest margin | 2.8795% | 5,747 |
| Noninterest income to average assets | 0.5991% | 2,877 |
| Noninterest expense to average assets | 5.4947% | 230 |
| Loan and lease loss provision to assets | 0.0158% | 4,095 |
| Net operating income to assets | -1.8565% | 6,523 |
| Return on assets (ROA) | -1.8565% | 6,522 |
| Pretax return on assets | -2.5108% | 6,545 |
| Return on Equity (ROE) | -11.8442% | 6,468 |
| Retained earnings to average equity (ytd only) | -11.8442% | 6,413 |
| Net charge-offs to loans | 0.3406% | 1,177 |
| Credit loss provision to net charge-offs | 16.6667% | 3,616 |
| Earnings coverage of net charge-offs (x) | -26.3744% | 4,659 |
| Efficiency ratio | 180.2891% | 27 |
| Assets per employee ($millions) | 2.6699% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 4,761 |
| Loan loss allowance to noncurrent loans | 2,480.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 5,205 |
| Noncurrent loans to loans | 0.0443% | 5,834 |
| Net loans and leases to total assets | 29.8884% | 6,254 |
| Net loans and leases to deposits | 40.7084% | 6,092 |
| Net loans and leases to core deposits | 41.1598% | 6,146 |
| Total domestic deposits to total assets | 73.4209% | 6,062 |
| Equity capital to assets | 16.4745% | 497 |
| Core capital (leverage) ratio | 13.3120% | 1,056 |
| Tier 1 risk-based capital ratio | 29.4551% | 556 |
| Total risk-based capital ratio | 30.3082% | 565 |
| Memoranda: | ||
| Average total assets | $33,825,750 | 6,255 |
| Average earning assets | $28,198,750 | 6,291 |
| Average equity | $5,302,000 | 5,845 |
| Average total loans | $9,394,000 | 6,403 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9453% | 6,225 |
| Cost of funding earning assets | 0.3800% | 4,103 |
| Net interest margin | 2.5653% | 6,211 |
| Noninterest income to average assets | 0.6372% | 2,623 |
| Noninterest expense to average assets | 5.9679% | 184 |
| Loan and lease loss provision to assets | 0.0245% | 3,789 |
| Net operating income to assets | -2.1874% | 6,600 |
| Return on assets (ROA) | -2.1874% | 6,601 |
| Pretax return on assets | -3.2045% | 6,628 |
| Return on Equity (ROE) | -14.2325% | 6,545 |
| Retained earnings to average equity (ytd only) | -14.2325% | 6,483 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.9890% | 17 |
| Assets per employee ($millions) | 2.4603% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 2,501 |
| Loan loss allowance to noncurrent loans | 234.9206% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 3,708 |
| Noncurrent loans to loans | 0.6767% | 4,022 |
| Net loans and leases to total assets | 26.5997% | 6,403 |
| Net loans and leases to deposits | 34.3429% | 6,337 |
| Net loans and leases to core deposits | 34.7348% | 6,363 |
| Total domestic deposits to total assets | 77.4533% | 5,729 |
| Equity capital to assets | 17.9654% | 327 |
| Core capital (leverage) ratio | 13.2758% | 1,057 |
| Tier 1 risk-based capital ratio | 35.8253% | 322 |
| Total risk-based capital ratio | 37.1029% | 318 |
| Memoranda: | ||
| Average total assets | $32,641,330 | 6,337 |
| Average earning assets | $27,365,670 | 6,365 |
| Average equity | $5,016,670 | 5,953 |
| Average total loans | $8,760,000 | 6,481 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6671% | 6,487 |
| Cost of funding earning assets | 0.4149% | 3,819 |
| Net interest margin | 2.2522% | 6,501 |
| Noninterest income to average assets | 0.5545% | 3,017 |
| Noninterest expense to average assets | 7.3598% | 125 |
| Loan and lease loss provision to assets | 0.0504% | 3,091 |
| Net operating income to assets | -4.9401% | 6,711 |
| Return on assets (ROA) | -4.9401% | 6,711 |
| Pretax return on assets | -4.9401% | 6,709 |
| Return on Equity (ROE) | -35.3870% | 6,673 |
| Retained earnings to average equity (ytd only) | -35.3870% | 6,638 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 295.4082% | 14 |
| Assets per employee ($millions) | 2.4544% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 1,770 |
| Loan loss allowance to noncurrent loans | 153.7736% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 3,524 |
| Noncurrent loans to loans | 1.2324% | 2,984 |
| Net loans and leases to total assets | 24.5569% | 6,498 |
| Net loans and leases to deposits | 29.9315% | 6,480 |
| Net loans and leases to core deposits | 30.2535% | 6,491 |
| Total domestic deposits to total assets | 82.0436% | 4,935 |
| Equity capital to assets | 17.7643% | 335 |
| Core capital (leverage) ratio | 13.8128% | 885 |
| Tier 1 risk-based capital ratio | 36.5531% | 298 |
| Total risk-based capital ratio | 37.8070% | 295 |
| Memoranda: | ||
| Average total assets | $31,740,000 | 6,420 |
| Average earning assets | $26,996,000 | 6,440 |
| Average equity | $4,431,000 | 6,153 |
| Average total loans | $8,485,000 | 6,559 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8222% | 6,486 |
| Cost of funding earning assets | 0.5047% | 3,562 |
| Net interest margin | 2.3176% | 6,511 |
| Noninterest income to average assets | 0.4424% | 4,138 |
| Noninterest expense to average assets | 4.3729% | 588 |
| Loan and lease loss provision to assets | 0.1225% | 2,782 |
| Net operating income to assets | -1.9499% | 6,712 |
| Return on assets (ROA) | -1.9499% | 6,711 |
| Pretax return on assets | -2.0214% | 6,711 |
| Return on Equity (ROE) | -17.6091% | 6,668 |
| Retained earnings to average equity (ytd only) | -18.0393% | 6,653 |
| Net charge-offs to loans | 0.5037% | 1,316 |
| Credit loss provision to net charge-offs | 81.8182% | 2,995 |
| Earnings coverage of net charge-offs (x) | -12.6818% | 5,434 |
| Efficiency ratio | 176.7538% | 39 |
| Assets per employee ($millions) | 2.9119% | 5,971 |
| Cash dividends to net income (ytd only)* | -2.4433% | 6,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,133 |
| Loan loss allowance to noncurrent loans | 272.5000% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 3,507 |
| Noncurrent loans to loans | 0.4780% | 4,799 |
| Net loans and leases to total assets | 28.3664% | 6,514 |
| Net loans and leases to deposits | 31.7143% | 6,546 |
| Net loans and leases to core deposits | 32.0839% | 6,559 |
| Total domestic deposits to total assets | 89.4433% | 1,366 |
| Equity capital to assets | 9.4715% | 4,471 |
| Core capital (leverage) ratio | 9.6611% | 4,040 |
| Tier 1 risk-based capital ratio | 22.8404% | 1,123 |
| Total risk-based capital ratio | 23.7042% | 1,161 |
| Memoranda: | ||
| Average total assets | $29,385,800 | 6,531 |
| Average earning assets | $25,759,800 | 6,533 |
| Average equity | $3,254,000 | 6,486 |
| Average total loans | $8,735,800 | 6,630 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7810% | 6,579 |
| Cost of funding earning assets | 0.5108% | 3,666 |
| Net interest margin | 2.2702% | 6,604 |
| Noninterest income to average assets | 0.4527% | 4,137 |
| Noninterest expense to average assets | 2.9787% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4844% | 6,591 |
| Return on assets (ROA) | -0.4844% | 6,605 |
| Pretax return on assets | -0.5342% | 6,610 |
| Return on Equity (ROE) | -4.2232% | 6,579 |
| Retained earnings to average equity (ytd only) | -4.4997% | 6,469 |
| Net charge-offs to loans | 0.0302% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -58.9251% | 5,198 |
| Efficiency ratio | 121.8519% | 162 |
| Assets per employee ($millions) | 2.9084% | 5,996 |
| Cash dividends to net income (ytd only)* | -6.5400% | 6,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 4,405 |
| Loan loss allowance to noncurrent loans | 71.4286% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 3,603 |
| Noncurrent loans to loans | 1.8170% | 2,474 |
| Net loans and leases to total assets | 30.0715% | 6,533 |
| Net loans and leases to deposits | 34.2765% | 6,562 |
| Net loans and leases to core deposits | 34.7008% | 6,594 |
| Total domestic deposits to total assets | 87.7321% | 2,281 |
| Equity capital to assets | 11.0336% | 2,728 |
| Core capital (leverage) ratio | 11.2974% | 2,203 |
| Tier 1 risk-based capital ratio | 27.1067% | 694 |
| Total risk-based capital ratio | 28.0359% | 710 |
| Memoranda: | ||
| Average total assets | $29,452,500 | 6,601 |
| Average earning assets | $25,841,250 | 6,607 |
| Average equity | $3,378,000 | 6,534 |
| Average total loans | $8,827,500 | 6,702 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8167% | 6,601 |
| Cost of funding earning assets | 0.5093% | 3,810 |
| Net interest margin | 2.3074% | 6,616 |
| Noninterest income to average assets | 0.4396% | 4,251 |
| Noninterest expense to average assets | 2.9349% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.4260% | 6,611 |
| Return on assets (ROA) | -0.4260% | 6,631 |
| Pretax return on assets | -0.4734% | 6,620 |
| Return on Equity (ROE) | -3.6688% | 6,604 |
| Retained earnings to average equity (ytd only) | -4.0765% | 6,402 |
| Net charge-offs to loans | 0.0681% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -23.3333% | 4,887 |
| Efficiency ratio | 119.2308% | 190 |
| Assets per employee ($millions) | 2.9536% | 5,924 |
| Cash dividends to net income (ytd only)* | -11.1111% | 6,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 4,573 |
| Loan loss allowance to noncurrent loans | 93.4426% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 4,057 |
| Noncurrent loans to loans | 1.3765% | 3,246 |
| Net loans and leases to total assets | 29.6215% | 6,590 |
| Net loans and leases to deposits | 33.7434% | 6,621 |
| Net loans and leases to core deposits | 34.1544% | 6,649 |
| Total domestic deposits to total assets | 87.7844% | 2,395 |
| Equity capital to assets | 11.1356% | 2,622 |
| Core capital (leverage) ratio | 11.0303% | 2,328 |
| Tier 1 risk-based capital ratio | 27.4586% | 662 |
| Total risk-based capital ratio | 28.3798% | 673 |
| Memoranda: | ||
| Average total assets | $29,575,330 | 6,647 |
| Average earning assets | $25,917,000 | 6,656 |
| Average equity | $3,434,330 | 6,573 |
| Average total loans | $8,816,330 | 6,748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8608% | 6,644 |
| Cost of funding earning assets | 0.5258% | 3,832 |
| Net interest margin | 2.3351% | 6,664 |
| Noninterest income to average assets | 0.4595% | 4,056 |
| Noninterest expense to average assets | 2.8653% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3109% | 6,581 |
| Return on assets (ROA) | -0.3109% | 6,615 |
| Pretax return on assets | -0.3649% | 6,620 |
| Return on Equity (ROE) | -2.6233% | 6,589 |
| Retained earnings to average equity (ytd only) | -2.6233% | 6,152 |
| Net charge-offs to loans | -0.5914% | 6,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5946% | 268 |
| Assets per employee ($millions) | 3.3984% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 3,860 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 4,448 |
| Noncurrent loans to loans | 1.1484% | 3,862 |
| Net loans and leases to total assets | 28.0455% | 6,663 |
| Net loans and leases to deposits | 32.0877% | 6,685 |
| Net loans and leases to core deposits | 32.4654% | 6,710 |
| Total domestic deposits to total assets | 87.4027% | 2,690 |
| Equity capital to assets | 11.4562% | 2,452 |
| Core capital (leverage) ratio | 11.6889% | 1,759 |
| Tier 1 risk-based capital ratio | 28.0642% | 638 |
| Total risk-based capital ratio | 29.1229% | 634 |
| Memoranda: | ||
| Average total assets | $29,595,000 | 6,720 |
| Average earning assets | $25,866,500 | 6,724 |
| Average equity | $3,507,000 | 6,625 |
| Average total loans | $8,793,000 | 6,822 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4560% | 6,408 |
| Cost of funding earning assets | 0.7073% | 3,441 |
| Net interest margin | 2.7487% | 6,452 |
| Noninterest income to average assets | 0.4865% | 3,988 |
| Noninterest expense to average assets | 3.3567% | 2,164 |
| Loan and lease loss provision to assets | 0.1295% | 3,996 |
| Net operating income to assets | -0.5024% | 6,569 |
| Return on assets (ROA) | -0.2380% | 6,460 |
| Pretax return on assets | -0.2870% | 6,472 |
| Return on Equity (ROE) | -1.9027% | 6,449 |
| Retained earnings to average equity (ytd only) | -2.2945% | 6,200 |
| Net charge-offs to loans | 0.2119% | 3,693 |
| Credit loss provision to net charge-offs | 185.0000% | 1,418 |
| Earnings coverage of net charge-offs (x) | -6.8000% | 5,925 |
| Efficiency ratio | 116.5249% | 242 |
| Assets per employee ($millions) | 3.5755% | 4,842 |
| Cash dividends to net income (ytd only)* | -20.5882% | 7,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,536 |
| Loan loss allowance to noncurrent loans | 39.6610% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 1.7165% | 2,822 |
| Noncurrent loans to loans | 3.3228% | 1,538 |
| Net loans and leases to total assets | 30.6286% | 6,678 |
| Net loans and leases to deposits | 35.3794% | 6,701 |
| Net loans and leases to core deposits | 35.8279% | 6,730 |
| Total domestic deposits to total assets | 86.5718% | 3,060 |
| Equity capital to assets | 12.2710% | 1,876 |
| Core capital (leverage) ratio | 11.9189% | 1,610 |
| Tier 1 risk-based capital ratio | 28.5022% | 592 |
| Total risk-based capital ratio | 29.4635% | 597 |
| Memoranda: | ||
| Average total assets | $28,569,400 | 6,786 |
| Average earning assets | $24,884,200 | 6,791 |
| Average equity | $3,573,800 | 6,672 |
| Average total loans | $9,439,800 | 6,868 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 6,473 |
| Cost of funding earning assets | 0.7384% | 3,449 |
| Net interest margin | 2.7931% | 6,511 |
| Noninterest income to average assets | 0.4855% | 4,020 |
| Noninterest expense to average assets | 3.2678% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3128% | 6,581 |
| Return on assets (ROA) | 0.1120% | 6,242 |
| Pretax return on assets | 0.0794% | 6,296 |
| Return on Equity (ROE) | 0.8914% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.6315% | 5,905 |
| Net charge-offs to loans | 0.1670% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -6.1663% | 5,723 |
| Efficiency ratio | 111.8211% | 278 |
| Assets per employee ($millions) | 4.0880% | 3,705 |
| Cash dividends to net income (ytd only)* | 29.1563% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 6,272 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 4,146 |
| Noncurrent loans to loans | 1.1725% | 4,103 |
| Net loans and leases to total assets | 32.4783% | 6,725 |
| Net loans and leases to deposits | 37.7268% | 6,760 |
| Net loans and leases to core deposits | 38.2328% | 6,805 |
| Total domestic deposits to total assets | 86.0882% | 3,204 |
| Equity capital to assets | 12.5874% | 1,831 |
| Core capital (leverage) ratio | 12.3807% | 1,457 |
| Tier 1 risk-based capital ratio | 28.2726% | 630 |
| Total risk-based capital ratio | 28.9699% | 669 |
| Memoranda: | ||
| Average total assets | $28,560,750 | 6,874 |
| Average earning assets | $24,918,250 | 6,877 |
| Average equity | $3,589,750 | 6,747 |
| Average total loans | $9,580,250 | 6,954 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 6,516 |
| Cost of funding earning assets | 0.7645% | 3,483 |
| Net interest margin | 2.8085% | 6,561 |
| Noninterest income to average assets | 0.4975% | 3,938 |
| Noninterest expense to average assets | 3.2863% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3223% | 6,634 |
| Return on assets (ROA) | 0.3153% | 5,771 |
| Pretax return on assets | 0.2943% | 5,976 |
| Return on Equity (ROE) | 2.5100% | 5,876 |
| Retained earnings to average equity (ytd only) | 2.1195% | 5,135 |
| Net charge-offs to loans | 0.2488% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -4.0833% | 5,434 |
| Efficiency ratio | 111.6667% | 309 |
| Assets per employee ($millions) | 3.6265% | 4,694 |
| Cash dividends to net income (ytd only)* | 15.5556% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 6,370 |
| Loan loss allowance to noncurrent loans | 172.5490% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 4,672 |
| Noncurrent loans to loans | 0.5419% | 5,435 |
| Net loans and leases to total assets | 32.1384% | 6,798 |
| Net loans and leases to deposits | 37.0942% | 6,837 |
| Net loans and leases to core deposits | 37.5801% | 6,877 |
| Total domestic deposits to total assets | 86.6400% | 2,986 |
| Equity capital to assets | 12.2604% | 1,961 |
| Core capital (leverage) ratio | 12.2479% | 1,473 |
| Tier 1 risk-based capital ratio | 28.2110% | 630 |
| Total risk-based capital ratio | 28.9027% | 662 |
| Memoranda: | ||
| Average total assets | $28,542,330 | 6,929 |
| Average earning assets | $24,853,330 | 6,937 |
| Average equity | $3,585,670 | 6,786 |
| Average total loans | $9,646,330 | 7,011 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 6,324 |
| Cost of funding earning assets | 0.7648% | 3,751 |
| Net interest margin | 2.9942% | 6,300 |
| Noninterest income to average assets | 0.4946% | 3,944 |
| Noninterest expense to average assets | 3.3772% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2402% | 6,664 |
| Return on assets (ROA) | 0.1978% | 6,140 |
| Pretax return on assets | 0.1554% | 6,283 |
| Return on Equity (ROE) | 1.5556% | 6,207 |
| Retained earnings to average equity (ytd only) | 1.5556% | 5,459 |
| Net charge-offs to loans | -0.1229% | 6,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1324% | 351 |
| Assets per employee ($millions) | 3.2096% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 5,951 |
| Loan loss allowance to noncurrent loans | 1,471.4286% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 5,135 |
| Noncurrent loans to loans | 0.0737% | 6,566 |
| Net loans and leases to total assets | 32.5452% | 6,798 |
| Net loans and leases to deposits | 37.7156% | 6,834 |
| Net loans and leases to core deposits | 38.2123% | 6,875 |
| Total domestic deposits to total assets | 86.2909% | 3,367 |
| Equity capital to assets | 12.5251% | 1,707 |
| Core capital (leverage) ratio | 12.5976% | 1,294 |
| Tier 1 risk-based capital ratio | 25.8727% | 813 |
| Total risk-based capital ratio | 26.6275% | 846 |
| Memoranda: | ||
| Average total assets | $28,307,500 | 6,997 |
| Average earning assets | $24,581,000 | 7,002 |
| Average equity | $3,600,000 | 6,821 |
| Average total loans | $9,763,500 | 7,074 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 6,015 |
| Cost of funding earning assets | 0.9365% | 3,822 |
| Net interest margin | 3.2779% | 5,879 |
| Noninterest income to average assets | 0.5082% | 3,788 |
| Noninterest expense to average assets | 3.3123% | 2,484 |
| Loan and lease loss provision to assets | 0.2979% | 3,284 |
| Net operating income to assets | -0.2348% | 6,288 |
| Return on assets (ROA) | 0.2629% | 5,537 |
| Pretax return on assets | 0.2419% | 5,686 |
| Return on Equity (ROE) | 2.0891% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.6992% | 5,004 |
| Net charge-offs to loans | 0.8195% | 2,110 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 0.1412% | 5,729 |
| Efficiency ratio | 98.7461% | 709 |
| Assets per employee ($millions) | 3.0810% | 5,932 |
| Cash dividends to net income (ytd only)* | 18.6667% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,231 |
| Loan loss allowance to noncurrent loans | 32.7869% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8104% | 3,244 |
| Noncurrent loans to loans | 3.0430% | 2,129 |
| Net loans and leases to total assets | 35.7856% | 6,780 |
| Net loans and leases to deposits | 41.7073% | 6,805 |
| Net loans and leases to core deposits | 42.2813% | 6,875 |
| Total domestic deposits to total assets | 85.8019% | 3,427 |
| Equity capital to assets | 12.9179% | 1,532 |
| Core capital (leverage) ratio | 12.4152% | 1,383 |
| Tier 1 risk-based capital ratio | 24.8513% | 881 |
| Total risk-based capital ratio | 25.5511% | 932 |
| Memoranda: | ||
| Average total assets | $28,530,000 | 7,010 |
| Average earning assets | $24,771,800 | 7,017 |
| Average equity | $3,590,000 | 6,855 |
| Average total loans | $10,372,600 | 7,103 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 6,066 |
| Cost of funding earning assets | 0.9542% | 4,007 |
| Net interest margin | 3.3050% | 5,847 |
| Noninterest income to average assets | 0.5058% | 3,825 |
| Noninterest expense to average assets | 3.3228% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0538% | 6,065 |
| Return on assets (ROA) | 0.6451% | 4,077 |
| Pretax return on assets | 0.6961% | 4,492 |
| Return on Equity (ROE) | 5.1595% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.8998% | 3,243 |
| Net charge-offs to loans | 0.0892% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.8574% | 4,274 |
| Efficiency ratio | 98.2167% | 731 |
| Assets per employee ($millions) | 3.2140% | 5,643 |
| Cash dividends to net income (ytd only)* | 5.0343% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,651 |
| Loan loss allowance to noncurrent loans | 30.2932% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 3,793 |
| Noncurrent loans to loans | 2.9141% | 2,393 |
| Net loans and leases to total assets | 36.0990% | 6,864 |
| Net loans and leases to deposits | 42.0557% | 6,908 |
| Net loans and leases to core deposits | 42.6308% | 6,963 |
| Total domestic deposits to total assets | 85.8363% | 3,311 |
| Equity capital to assets | 12.7429% | 1,759 |
| Core capital (leverage) ratio | 12.4750% | 1,448 |
| Tier 1 risk-based capital ratio | 24.4664% | 960 |
| Total risk-based capital ratio | 25.0946% | 1,018 |
| Memoranda: | ||
| Average total assets | $28,730,250 | 7,076 |
| Average earning assets | $25,012,000 | 7,084 |
| Average equity | $3,592,000 | 6,913 |
| Average total loans | $10,460,000 | 7,172 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 5,803 |
| Cost of funding earning assets | 1.0031% | 3,924 |
| Net interest margin | 3.3625% | 5,673 |
| Noninterest income to average assets | 0.5024% | 3,842 |
| Noninterest expense to average assets | 3.3211% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1019% | 6,012 |
| Return on assets (ROA) | 0.6907% | 3,705 |
| Pretax return on assets | 0.7117% | 4,343 |
| Return on Equity (ROE) | 5.5608% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.1676% | 2,902 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9450% | 839 |
| Assets per employee ($millions) | 2.7992% | 6,473 |
| Cash dividends to net income (ytd only)* | 7.0707% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 6,413 |
| Loan loss allowance to noncurrent loans | 31.2500% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6398% | 3,715 |
| Noncurrent loans to loans | 3.1406% | 2,290 |
| Net loans and leases to total assets | 36.0424% | 6,958 |
| Net loans and leases to deposits | 42.1112% | 6,988 |
| Net loans and leases to core deposits | 42.7048% | 7,049 |
| Total domestic deposits to total assets | 85.5887% | 3,569 |
| Equity capital to assets | 13.0644% | 1,490 |
| Core capital (leverage) ratio | 12.3377% | 1,431 |
| Tier 1 risk-based capital ratio | 22.4282% | 1,197 |
| Total risk-based capital ratio | 23.0543% | 1,258 |
| Memoranda: | ||
| Average total assets | $28,665,000 | 7,141 |
| Average earning assets | $24,921,670 | 7,150 |
| Average equity | $3,560,670 | 6,964 |
| Average total loans | $10,435,000 | 7,246 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 5,764 |
| Cost of funding earning assets | 1.0154% | 4,087 |
| Net interest margin | 3.3634% | 5,569 |
| Noninterest income to average assets | 0.4827% | 4,022 |
| Noninterest expense to average assets | 3.4205% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0276% | 6,284 |
| Return on assets (ROA) | 0.5241% | 4,470 |
| Pretax return on assets | 0.4827% | 5,078 |
| Return on Equity (ROE) | 4.3274% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.3274% | 3,576 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4049% | 724 |
| Assets per employee ($millions) | 2.9801% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 6,508 |
| Loan loss allowance to noncurrent loans | 42.9185% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 4,447 |
| Noncurrent loans to loans | 2.2434% | 3,264 |
| Net loans and leases to total assets | 34.5156% | 7,073 |
| Net loans and leases to deposits | 41.2248% | 7,056 |
| Net loans and leases to core deposits | 41.7807% | 7,117 |
| Total domestic deposits to total assets | 83.7254% | 4,607 |
| Equity capital to assets | 11.8553% | 2,008 |
| Core capital (leverage) ratio | 12.1471% | 1,483 |
| Tier 1 risk-based capital ratio | 18.8572% | 1,846 |
| Total risk-based capital ratio | 19.3917% | 2,038 |
| Memoranda: | ||
| Average total assets | $29,001,500 | 7,184 |
| Average earning assets | $25,212,500 | 7,193 |
| Average equity | $3,512,500 | 7,011 |
| Average total loans | $10,558,000 | 7,299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 6,119 |
| Cost of funding earning assets | 1.3104% | 3,814 |
| Net interest margin | 3.2881% | 6,017 |
| Noninterest income to average assets | 0.4976% | 4,191 |
| Noninterest expense to average assets | 3.2756% | 2,814 |
| Loan and lease loss provision to assets | 0.1244% | 5,918 |
| Net operating income to assets | -0.0173% | 5,875 |
| Return on assets (ROA) | 0.1209% | 5,679 |
| Pretax return on assets | 0.0795% | 5,742 |
| Return on Equity (ROE) | 0.9940% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.5964% | 5,287 |
| Net charge-offs to loans | 0.3253% | 4,391 |
| Credit loss provision to net charge-offs | 97.2973% | 4,768 |
| Earnings coverage of net charge-offs (x) | 0.5135% | 5,603 |
| Efficiency ratio | 98.0352% | 868 |
| Assets per employee ($millions) | 2.8202% | 6,494 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,628 |
| Loan loss allowance to noncurrent loans | 44.0529% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 1.2978% | 4,437 |
| Noncurrent loans to loans | 2.1156% | 3,413 |
| Net loans and leases to total assets | 37.6924% | 7,090 |
| Net loans and leases to deposits | 45.4312% | 7,063 |
| Net loans and leases to core deposits | 46.0812% | 7,139 |
| Total domestic deposits to total assets | 82.9657% | 4,809 |
| Equity capital to assets | 12.3821% | 1,706 |
| Core capital (leverage) ratio | 11.9907% | 1,554 |
| Tier 1 risk-based capital ratio | 19.9760% | 1,492 |
| Total risk-based capital ratio | 20.5483% | 1,609 |
| Memoranda: | ||
| Average total assets | $28,941,200 | 7,243 |
| Average earning assets | $25,029,600 | 7,255 |
| Average equity | $3,521,000 | 7,131 |
| Average total loans | $11,375,800 | 7,334 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 6,108 |
| Cost of funding earning assets | 1.3713% | 3,772 |
| Net interest margin | 3.3039% | 6,005 |
| Noninterest income to average assets | 0.5081% | 4,117 |
| Noninterest expense to average assets | 3.2456% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1602% | 5,615 |
| Return on assets (ROA) | 0.3433% | 5,171 |
| Pretax return on assets | 0.3021% | 5,503 |
| Return on Equity (ROE) | 2.8343% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.5695% | 4,622 |
| Net charge-offs to loans | 0.4160% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.7223% | 5,334 |
| Efficiency ratio | 96.4626% | 888 |
| Assets per employee ($millions) | 2.9450% | 6,276 |
| Cash dividends to net income (ytd only)* | 9.3300% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5757% | 7,381 |
| Loan loss allowance to noncurrent loans | 26.5306% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 5,337 |
| Noncurrent loans to loans | 2.1699% | 3,482 |
| Net loans and leases to total assets | 38.1188% | 7,178 |
| Net loans and leases to deposits | 46.0459% | 7,174 |
| Net loans and leases to core deposits | 46.7011% | 7,245 |
| Total domestic deposits to total assets | 82.7844% | 4,682 |
| Equity capital to assets | 12.4177% | 1,900 |
| Core capital (leverage) ratio | 12.1226% | 1,603 |
| Tier 1 risk-based capital ratio | 19.7587% | 1,592 |
| Total risk-based capital ratio | 20.1218% | 1,747 |
| Memoranda: | ||
| Average total assets | $29,126,000 | 7,324 |
| Average earning assets | $25,182,000 | 7,343 |
| Average equity | $3,528,250 | 7,218 |
| Average total loans | $11,537,250 | 7,427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 6,142 |
| Cost of funding earning assets | 1.4370% | 3,627 |
| Net interest margin | 3.2651% | 6,122 |
| Noninterest income to average assets | 0.5445% | 3,755 |
| Noninterest expense to average assets | 3.2876% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1378% | 5,760 |
| Return on assets (ROA) | 0.2826% | 5,405 |
| Pretax return on assets | 0.2206% | 5,725 |
| Return on Equity (ROE) | 2.3527% | 5,522 |
| Retained earnings to average equity (ytd only) | 1.9510% | 4,892 |
| Net charge-offs to loans | 0.0689% | 5,452 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,615 |
| Efficiency ratio | 97.7459% | 893 |
| Assets per employee ($millions) | 2.8557% | 6,442 |
| Cash dividends to net income (ytd only)* | 17.0732% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,915 |
| Loan loss allowance to noncurrent loans | 27.4011% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 4,572 |
| Noncurrent loans to loans | 3.0922% | 2,596 |
| Net loans and leases to total assets | 39.7486% | 7,179 |
| Net loans and leases to deposits | 47.7957% | 7,173 |
| Net loans and leases to core deposits | 48.4878% | 7,264 |
| Total domestic deposits to total assets | 83.1635% | 4,493 |
| Equity capital to assets | 12.3788% | 1,881 |
| Core capital (leverage) ratio | 11.9650% | 1,660 |
| Tier 1 risk-based capital ratio | 19.5786% | 1,586 |
| Total risk-based capital ratio | 20.1207% | 1,722 |
| Memoranda: | ||
| Average total assets | $29,018,000 | 7,387 |
| Average earning assets | $25,052,670 | 7,397 |
| Average equity | $3,485,330 | 7,267 |
| Average total loans | $11,619,330 | 7,475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 6,468 |
| Cost of funding earning assets | 1.4849% | 3,654 |
| Net interest margin | 3.1455% | 6,470 |
| Noninterest income to average assets | 0.6701% | 2,808 |
| Noninterest expense to average assets | 3.3096% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1094% | 5,995 |
| Return on assets (ROA) | 0.1094% | 6,102 |
| Pretax return on assets | 0.0547% | 6,244 |
| Return on Equity (ROE) | 0.9247% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.9247% | 5,448 |
| Net charge-offs to loans | 0.1367% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,170 |
| Efficiency ratio | 98.3740% | 906 |
| Assets per employee ($millions) | 3.0054% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 7,016 |
| Loan loss allowance to noncurrent loans | 26.6484% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2112% | 4,752 |
| Noncurrent loans to loans | 3.1644% | 2,533 |
| Net loans and leases to total assets | 37.9517% | 7,347 |
| Net loans and leases to deposits | 43.4647% | 7,421 |
| Net loans and leases to core deposits | 44.0301% | 7,483 |
| Total domestic deposits to total assets | 87.3162% | 2,456 |
| Equity capital to assets | 11.6191% | 2,282 |
| Core capital (leverage) ratio | 12.0847% | 1,607 |
| Tier 1 risk-based capital ratio | 18.9627% | 1,732 |
| Total risk-based capital ratio | 19.4917% | 1,862 |
| Memoranda: | ||
| Average total assets | $29,248,500 | 7,465 |
| Average earning assets | $25,051,500 | 7,493 |
| Average equity | $3,460,500 | 7,357 |
| Average total loans | $11,705,000 | 7,564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 5,523 |
| Cost of funding earning assets | 1.9230% | 3,342 |
| Net interest margin | 3.3037% | 5,725 |
| Noninterest income to average assets | 0.5908% | 3,695 |
| Noninterest expense to average assets | 3.2833% | 3,070 |
| Loan and lease loss provision to assets | 0.2757% | 5,206 |
| Net operating income to assets | -0.1325% | 5,727 |
| Return on assets (ROA) | 0.2900% | 4,657 |
| Pretax return on assets | 0.2900% | 4,789 |
| Return on Equity (ROE) | 2.3526% | 4,764 |
| Retained earnings to average equity (ytd only) | 1.9460% | 3,736 |
| Net charge-offs to loans | 0.2890% | 4,825 |
| Credit loss provision to net charge-offs | 213.8889% | 1,794 |
| Earnings coverage of net charge-offs (x) | 1.1111% | 5,002 |
| Efficiency ratio | 95.8203% | 1,319 |
| Assets per employee ($millions) | 2.8443% | 6,573 |
| Cash dividends to net income (ytd only)* | 17.2840% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,987 |
| Loan loss allowance to noncurrent loans | 31.0769% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 4,808 |
| Noncurrent loans to loans | 2.7295% | 2,831 |
| Net loans and leases to total assets | 41.5076% | 7,274 |
| Net loans and leases to deposits | 47.7319% | 7,366 |
| Net loans and leases to core deposits | 58.2984% | 7,330 |
| Total domestic deposits to total assets | 86.9599% | 2,535 |
| Equity capital to assets | 12.0557% | 2,001 |
| Core capital (leverage) ratio | 12.1417% | 1,605 |
| Tier 1 risk-based capital ratio | 21.0128% | 1,290 |
| Total risk-based capital ratio | 21.6246% | 1,360 |
| Memoranda: | ||
| Average total assets | $27,928,800 | 7,550 |
| Average earning assets | $23,973,400 | 7,582 |
| Average equity | $3,443,000 | 7,460 |
| Average total loans | $12,457,000 | 7,579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 5,682 |
| Cost of funding earning assets | 1.9919% | 3,401 |
| Net interest margin | 3.2590% | 5,793 |
| Noninterest income to average assets | 0.4460% | 4,926 |
| Noninterest expense to average assets | 3.3140% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0429% | 5,787 |
| Return on assets (ROA) | 0.4604% | 4,265 |
| Pretax return on assets | 0.4652% | 4,628 |
| Return on Equity (ROE) | 3.7139% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.4429% | 3,371 |
| Net charge-offs to loans | 0.3811% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 6,324 |
| Efficiency ratio | 101.3196% | 1,005 |
| Assets per employee ($millions) | 2.7675% | 6,708 |
| Cash dividends to net income (ytd only)* | 7.2891% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1964% | 7,980 |
| Loan loss allowance to noncurrent loans | 10.8108% | 7,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,502 |
| Noncurrent loans to loans | 1.8164% | 3,892 |
| Net loans and leases to total assets | 44.0759% | 7,241 |
| Net loans and leases to deposits | 51.5271% | 7,328 |
| Net loans and leases to core deposits | 63.3268% | 7,274 |
| Total domestic deposits to total assets | 85.5393% | 2,949 |
| Equity capital to assets | 12.9503% | 1,714 |
| Core capital (leverage) ratio | 12.6600% | 1,518 |
| Tier 1 risk-based capital ratio | 20.6456% | 1,431 |
| Total risk-based capital ratio | 20.7875% | 1,598 |
| Memoranda: | ||
| Average total assets | $27,800,250 | 7,619 |
| Average earning assets | $24,096,750 | 7,649 |
| Average equity | $3,446,500 | 7,525 |
| Average total loans | $12,594,500 | 7,644 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3230% | 5,536 |
| Cost of funding earning assets | 2.0912% | 3,313 |
| Net interest margin | 3.2318% | 5,799 |
| Noninterest income to average assets | 0.4382% | 4,954 |
| Noninterest expense to average assets | 3.2182% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0299% | 5,759 |
| Return on assets (ROA) | 0.4382% | 4,453 |
| Pretax return on assets | 0.4454% | 4,810 |
| Return on Equity (ROE) | 3.5875% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.1758% | 3,548 |
| Net charge-offs to loans | 0.0943% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 5,036 |
| Efficiency ratio | 99.1150% | 1,218 |
| Assets per employee ($millions) | 2.7377% | 6,760 |
| Cash dividends to net income (ytd only)* | 11.4754% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4225% | 7,880 |
| Loan loss allowance to noncurrent loans | 20.5323% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 3,441 |
| Noncurrent loans to loans | 2.0579% | 3,438 |
| Net loans and leases to total assets | 46.4843% | 7,162 |
| Net loans and leases to deposits | 53.7756% | 7,282 |
| Net loans and leases to core deposits | 66.5134% | 7,189 |
| Total domestic deposits to total assets | 86.4412% | 2,543 |
| Equity capital to assets | 12.4046% | 1,971 |
| Core capital (leverage) ratio | 12.2142% | 1,743 |
| Tier 1 risk-based capital ratio | 19.2567% | 1,728 |
| Total risk-based capital ratio | 19.5576% | 1,882 |
| Memoranda: | ||
| Average total assets | $27,842,000 | 7,684 |
| Average earning assets | $24,197,000 | 7,715 |
| Average equity | $3,400,670 | 7,607 |
| Average total loans | $12,718,670 | 7,715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3818% | 5,523 |
| Cost of funding earning assets | 2.1987% | 3,174 |
| Net interest margin | 3.1831% | 5,910 |
| Noninterest income to average assets | 0.4417% | 4,860 |
| Noninterest expense to average assets | 3.1630% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0407% | 6,157 |
| Return on assets (ROA) | 0.6412% | 4,017 |
| Pretax return on assets | 0.6554% | 4,574 |
| Return on Equity (ROE) | 5.2895% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.2895% | 2,966 |
| Net charge-offs to loans | -0.0315% | 7,567 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6667% | 1,186 |
| Assets per employee ($millions) | 2.8104% | 6,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4786% | 7,848 |
| Loan loss allowance to noncurrent loans | 19.3038% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9677% | 2,956 |
| Noncurrent loans to loans | 2.4794% | 2,653 |
| Net loans and leases to total assets | 45.1324% | 7,253 |
| Net loans and leases to deposits | 52.0263% | 7,399 |
| Net loans and leases to core deposits | 64.7672% | 7,287 |
| Total domestic deposits to total assets | 86.7492% | 2,336 |
| Equity capital to assets | 12.2260% | 2,124 |
| Core capital (leverage) ratio | 12.2888% | 1,766 |
| Tier 1 risk-based capital ratio | 19.1120% | 1,788 |
| Total risk-based capital ratio | 19.4501% | 1,959 |
| Memoranda: | ||
| Average total assets | $28,074,500 | 7,730 |
| Average earning assets | $24,378,500 | 7,751 |
| Average equity | $3,403,000 | 7,654 |
| Average total loans | $12,688,000 | 7,764 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7478% | 6,609 |
| Cost of funding earning assets | 2.8699% | 2,393 |
| Net interest margin | 2.8779% | 7,197 |
| Noninterest income to average assets | 0.4788% | 4,809 |
| Noninterest expense to average assets | 3.0336% | 3,957 |
| Loan and lease loss provision to assets | 0.5138% | 2,751 |
| Net operating income to assets | -0.3563% | 6,777 |
| Return on assets (ROA) | -0.2272% | 6,493 |
| Pretax return on assets | -0.3425% | 6,495 |
| Return on Equity (ROE) | -1.9423% | 6,493 |
| Retained earnings to average equity (ytd only) | -2.3307% | 5,962 |
| Net charge-offs to loans | 1.0741% | 1,137 |
| Credit loss provision to net charge-offs | 100.6849% | 5,267 |
| Earnings coverage of net charge-offs (x) | -0.0479% | 6,278 |
| Efficiency ratio | 100.8130% | 951 |
| Assets per employee ($millions) | 2.5495% | 7,114 |
| Cash dividends to net income (ytd only)* | -20.0000% | 7,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 7,881 |
| Loan loss allowance to noncurrent loans | 75.9494% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.1268% | 4,018 |
| Noncurrent loans to loans | 0.6254% | 5,496 |
| Net loans and leases to total assets | 44.8244% | 7,414 |
| Net loans and leases to deposits | 53.9667% | 7,438 |
| Net loans and leases to core deposits | 71.5440% | 7,105 |
| Total domestic deposits to total assets | 83.0594% | 3,745 |
| Equity capital to assets | 12.0164% | 2,280 |
| Core capital (leverage) ratio | 11.8133% | 2,074 |
| Tier 1 risk-based capital ratio | 19.3935% | 1,732 |
| Total risk-based capital ratio | 19.7355% | 1,868 |
| Memoranda: | ||
| Average total assets | $28,612,400 | 7,700 |
| Average earning assets | $25,157,600 | 7,731 |
| Average equity | $3,346,600 | 7,733 |
| Average total loans | $13,593,000 | 7,731 |