Home > Business Bank of Texas, N.A. > Performance and Condition Ratios
Business Bank of Texas, N.A., Performance and Condition Ratios
| 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 | 5.0607% | 323 |
| Cost of funding earning assets | 0.3340% | 2,672 |
| Net interest margin | 4.7267% | 263 |
| Noninterest income to average assets | 0.0412% | 4,868 |
| Noninterest expense to average assets | 3.0782% | 866 |
| Loan and lease loss provision to assets | -1.6524% | 4,972 |
| Net operating income to assets | 2.5013% | 266 |
| Return on assets (ROA) | 2.5013% | 292 |
| Pretax return on assets | 3.1647% | 197 |
| Return on Equity (ROE) | 16.1786% | 981 |
| Retained earnings to average equity (ytd only) | 16.1786% | 498 |
| Net charge-offs to loans | -0.0060% | 3,469 |
| Credit loss provision to net charge-offs | 40,100.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0557% | 2,067 |
| Assets per employee ($millions) | 6.7514% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 706 |
| Loan loss allowance to noncurrent loans | 171.6138% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 1,257 |
| Noncurrent loans to loans | 1.1231% | 1,194 |
| Net loans and leases to total assets | 64.1194% | 2,025 |
| Net loans and leases to deposits | 76.7298% | 1,831 |
| Net loans and leases to core deposits | 94.0414% | 980 |
| Total domestic deposits to total assets | 83.5652% | 3,552 |
| Equity capital to assets | 16.1893% | 370 |
| Core capital (leverage) ratio | 15.7427% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9513% | 518 |
| Memoranda: | ||
| Average total assets | $97,071,000 | 4,108 |
| Average earning assets | $93,426,000 | 4,060 |
| Average equity | $15,007,500 | 3,686 |
| Average total loans | $66,234,500 | 3,807 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 1,220 |
| Cost of funding earning assets | 0.6446% | 2,033 |
| Net interest margin | 3.8939% | 1,228 |
| Noninterest income to average assets | -0.1446% | 4,980 |
| Noninterest expense to average assets | 3.0570% | 1,314 |
| Loan and lease loss provision to assets | 0.2669% | 1,447 |
| Net operating income to assets | 0.2416% | 4,513 |
| Return on assets (ROA) | 0.2416% | 4,582 |
| Pretax return on assets | 0.3067% | 4,534 |
| Return on Equity (ROE) | 1.7299% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.7299% | 3,932 |
| Net charge-offs to loans | 0.2172% | 803 |
| Credit loss provision to net charge-offs | 180.9211% | 2,258 |
| Earnings coverage of net charge-offs (x) | 3.8882% | 3,047 |
| Efficiency ratio | 84.2021% | 613 |
| Assets per employee ($millions) | 7.1159% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2512% | 372 |
| Loan loss allowance to noncurrent loans | 224.0845% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 1,459 |
| Noncurrent loans to loans | 1.0046% | 1,413 |
| Net loans and leases to total assets | 69.3434% | 1,642 |
| Net loans and leases to deposits | 90.0972% | 922 |
| Net loans and leases to core deposits | 110.7705% | 485 |
| Total domestic deposits to total assets | 76.9652% | 4,416 |
| Equity capital to assets | 14.7687% | 613 |
| Core capital (leverage) ratio | 14.0537% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2395% | 743 |
| Memoranda: | ||
| Average total assets | $103,043,600 | 3,955 |
| Average earning assets | $99,900,800 | 3,896 |
| Average equity | $14,394,000 | 3,707 |
| Average total loans | $69,976,600 | 3,734 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 1,814 |
| Cost of funding earning assets | 0.6974% | 2,035 |
| Net interest margin | 3.7190% | 1,880 |
| Noninterest income to average assets | -0.2053% | 5,013 |
| Noninterest expense to average assets | 2.8437% | 1,838 |
| Loan and lease loss provision to assets | 0.5457% | 503 |
| Net operating income to assets | 0.0051% | 4,771 |
| Return on assets (ROA) | 0.0051% | 4,790 |
| Pretax return on assets | 0.0051% | 4,782 |
| Return on Equity (ROE) | 0.0373% | 4,789 |
| Retained earnings to average equity (ytd only) | 0.0373% | 4,474 |
| Net charge-offs to loans | 0.3113% | 507 |
| Credit loss provision to net charge-offs | 260.7362% | 1,894 |
| Earnings coverage of net charge-offs (x) | 2.6319% | 2,977 |
| Efficiency ratio | 83.7807% | 619 |
| Assets per employee ($millions) | 8.2041% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0449% | 460 |
| Loan loss allowance to noncurrent loans | 236.0164% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 1,829 |
| Noncurrent loans to loans | 0.8664% | 1,716 |
| Net loans and leases to total assets | 72.1500% | 1,641 |
| Net loans and leases to deposits | 105.8068% | 328 |
| Net loans and leases to core deposits | 127.7419% | 274 |
| Total domestic deposits to total assets | 68.1903% | 4,806 |
| Equity capital to assets | 12.6278% | 1,367 |
| Core capital (leverage) ratio | 14.9561% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9272% | 1,268 |
| Memoranda: | ||
| Average total assets | $103,898,750 | 3,943 |
| Average earning assets | $100,563,000 | 3,885 |
| Average equity | $14,314,250 | 3,721 |
| Average total loans | $69,802,500 | 3,753 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,056 |
| Cost of funding earning assets | 0.7901% | 1,875 |
| Net interest margin | 3.6656% | 2,278 |
| Noninterest income to average assets | 0.0519% | 4,910 |
| Noninterest expense to average assets | 2.9567% | 1,695 |
| Loan and lease loss provision to assets | 1.0474% | 189 |
| Net operating income to assets | -0.3172% | 4,882 |
| Return on assets (ROA) | -0.3172% | 4,882 |
| Pretax return on assets | -0.4070% | 4,882 |
| Return on Equity (ROE) | -2.2314% | 4,878 |
| Retained earnings to average equity (ytd only) | -2.2314% | 4,606 |
| Net charge-offs to loans | 0.5149% | 311 |
| Credit loss provision to net charge-offs | 314.3713% | 1,578 |
| Earnings coverage of net charge-offs (x) | 1.9222% | 2,817 |
| Efficiency ratio | 82.1963% | 750 |
| Assets per employee ($millions) | 8.4549% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 328 |
| Loan loss allowance to noncurrent loans | 234.7044% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 1,257 |
| Noncurrent loans to loans | 0.9390% | 1,649 |
| Net loans and leases to total assets | 68.4554% | 2,270 |
| Net loans and leases to deposits | 98.9776% | 607 |
| Net loans and leases to core deposits | 119.0270% | 450 |
| Total domestic deposits to total assets | 69.1625% | 4,817 |
| Equity capital to assets | 12.1966% | 1,541 |
| Core capital (leverage) ratio | 14.3391% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7776% | 1,302 |
| Memoranda: | ||
| Average total assets | $100,245,667 | 3,989 |
| Average earning assets | $96,954,333 | 3,927 |
| Average equity | $14,251,000 | 3,734 |
| Average total loans | $64,870,000 | 3,856 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,698 |
| Cost of funding earning assets | 0.9598% | 1,607 |
| Net interest margin | 3.4160% | 3,247 |
| Noninterest income to average assets | 0.0658% | 4,934 |
| Noninterest expense to average assets | 3.2418% | 1,334 |
| Loan and lease loss provision to assets | 1.4257% | 112 |
| Net operating income to assets | -1.0309% | 4,993 |
| Return on assets (ROA) | -1.0309% | 4,975 |
| Pretax return on assets | -1.3072% | 4,980 |
| Return on Equity (ROE) | -6.6394% | 4,958 |
| Retained earnings to average equity (ytd only) | -6.6394% | 4,622 |
| Net charge-offs to loans | 1.2599% | 119 |
| Credit loss provision to net charge-offs | 184.6591% | 1,465 |
| Earnings coverage of net charge-offs (x) | 0.1534% | 2,483 |
| Efficiency ratio | 96.4752% | 311 |
| Assets per employee ($millions) | 6.3172% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8934% | 168 |
| Loan loss allowance to noncurrent loans | 185.4358% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.3930% | 808 |
| Noncurrent loans to loans | 1.5603% | 1,005 |
| Net loans and leases to total assets | 61.3607% | 3,364 |
| Net loans and leases to deposits | 73.2747% | 3,336 |
| Net loans and leases to core deposits | 91.4958% | 2,211 |
| Total domestic deposits to total assets | 83.7406% | 2,872 |
| Equity capital to assets | 16.1859% | 550 |
| Core capital (leverage) ratio | 15.1915% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2597% | 548 |
| Memoranda: | ||
| Average total assets | $91,184,000 | 4,100 |
| Average earning assets | $87,939,500 | 4,053 |
| Average equity | $14,158,000 | 3,753 |
| Average total loans | $55,877,000 | 4,035 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 3,398 |
| Cost of funding earning assets | 1.1475% | 1,165 |
| Net interest margin | 3.2013% | 4,184 |
| Noninterest income to average assets | 0.1823% | 4,577 |
| Noninterest expense to average assets | 2.8226% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3415% | 4,695 |
| Return on assets (ROA) | 0.3415% | 4,722 |
| Pretax return on assets | 0.4331% | 4,661 |
| Return on Equity (ROE) | 2.6030% | 4,727 |
| Retained earnings to average equity (ytd only) | 2.6030% | 3,732 |
| Net charge-offs to loans | -0.1987% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6963% | 505 |
| Assets per employee ($millions) | 7.2252% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6276% | 181 |
| Loan loss allowance to noncurrent loans | 147.0942% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4458% | 712 |
| Noncurrent loans to loans | 1.7863% | 756 |
| Net loans and leases to total assets | 57.9184% | 3,775 |
| Net loans and leases to deposits | 68.2067% | 3,804 |
| Net loans and leases to core deposits | 88.3635% | 2,576 |
| Total domestic deposits to total assets | 84.9159% | 2,523 |
| Equity capital to assets | 14.9063% | 818 |
| Core capital (leverage) ratio | 14.6321% | 768 |
| Tier 1 risk-based capital ratio | 22.3077% | 985 |
| Total risk-based capital ratio | 23.5709% | 962 |
| Memoranda: | ||
| Average total assets | $103,662,600 | 3,943 |
| Average earning assets | $99,520,600 | 3,881 |
| Average equity | $13,599,800 | 3,806 |
| Average total loans | $60,882,400 | 3,967 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 3,565 |
| Cost of funding earning assets | 1.1426% | 1,202 |
| Net interest margin | 3.1894% | 4,323 |
| Noninterest income to average assets | 0.2111% | 4,457 |
| Noninterest expense to average assets | 2.7710% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3984% | 4,729 |
| Return on assets (ROA) | 0.3984% | 4,753 |
| Pretax return on assets | 0.4989% | 4,700 |
| Return on Equity (ROE) | 3.1309% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.1309% | 3,838 |
| Net charge-offs to loans | -0.2596% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7425% | 568 |
| Assets per employee ($millions) | 7.6883% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4089% | 250 |
| Loan loss allowance to noncurrent loans | 176.8675% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1906% | 1,063 |
| Noncurrent loans to loans | 1.3620% | 1,131 |
| Net loans and leases to total assets | 59.5039% | 3,726 |
| Net loans and leases to deposits | 69.1772% | 3,825 |
| Net loans and leases to core deposits | 85.3590% | 2,961 |
| Total domestic deposits to total assets | 86.0167% | 1,991 |
| Equity capital to assets | 13.8752% | 1,202 |
| Core capital (leverage) ratio | 14.4768% | 864 |
| Tier 1 risk-based capital ratio | 20.6472% | 1,247 |
| Total risk-based capital ratio | 21.9078% | 1,215 |
| Memoranda: | ||
| Average total assets | $106,096,500 | 3,938 |
| Average earning assets | $101,750,000 | 3,882 |
| Average equity | $13,499,500 | 3,857 |
| Average total loans | $62,135,750 | 3,989 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 3,525 |
| Cost of funding earning assets | 1.1019% | 1,293 |
| Net interest margin | 3.2344% | 4,278 |
| Noninterest income to average assets | 0.2774% | 4,081 |
| Noninterest expense to average assets | 2.7370% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5104% | 4,508 |
| Return on assets (ROA) | 0.5104% | 4,541 |
| Pretax return on assets | 0.6399% | 4,468 |
| Return on Equity (ROE) | 4.1266% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.1266% | 3,185 |
| Net charge-offs to loans | -0.1439% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0515% | 880 |
| Assets per employee ($millions) | 7.3404% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 317 |
| Loan loss allowance to noncurrent loans | 163.7647% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2680% | 1,020 |
| Noncurrent loans to loans | 1.3693% | 1,135 |
| Net loans and leases to total assets | 63.5944% | 3,386 |
| Net loans and leases to deposits | 74.4419% | 3,485 |
| Net loans and leases to core deposits | 89.5653% | 2,630 |
| Total domestic deposits to total assets | 85.4283% | 2,294 |
| Equity capital to assets | 14.4291% | 971 |
| Core capital (leverage) ratio | 13.5021% | 1,117 |
| Tier 1 risk-based capital ratio | 20.3253% | 1,285 |
| Total risk-based capital ratio | 21.5846% | 1,251 |
| Memoranda: | ||
| Average total assets | $108,146,000 | 3,924 |
| Average earning assets | $103,637,000 | 3,877 |
| Average equity | $13,376,670 | 3,874 |
| Average total loans | $62,534,000 | 4,000 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,946 |
| Cost of funding earning assets | 1.0109% | 1,527 |
| Net interest margin | 3.1642% | 4,470 |
| Noninterest income to average assets | 0.2375% | 4,311 |
| Noninterest expense to average assets | 2.5326% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5589% | 4,364 |
| Return on assets (ROA) | 0.5589% | 4,393 |
| Pretax return on assets | 0.7336% | 4,213 |
| Return on Equity (ROE) | 4.8557% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.8557% | 2,969 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5401% | 1,319 |
| Assets per employee ($millions) | 8.7940% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 382 |
| Loan loss allowance to noncurrent loans | 156.2645% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 1,299 |
| Noncurrent loans to loans | 1.3790% | 1,176 |
| Net loans and leases to total assets | 53.4980% | 4,238 |
| Net loans and leases to deposits | 60.8261% | 4,371 |
| Net loans and leases to core deposits | 70.8133% | 4,020 |
| Total domestic deposits to total assets | 87.9525% | 1,359 |
| Equity capital to assets | 11.7869% | 2,166 |
| Core capital (leverage) ratio | 12.0025% | 1,769 |
| Tier 1 risk-based capital ratio | 19.6528% | 1,410 |
| Total risk-based capital ratio | 20.9116% | 1,385 |
| Memoranda: | ||
| Average total assets | $114,506,500 | 3,879 |
| Average earning assets | $109,600,000 | 3,822 |
| Average equity | $13,180,500 | 3,922 |
| Average total loans | $62,762,500 | 4,036 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 2,820 |
| Cost of funding earning assets | 0.6579% | 2,337 |
| Net interest margin | 3.7251% | 2,944 |
| Noninterest income to average assets | 0.1943% | 4,741 |
| Noninterest expense to average assets | 2.6814% | 3,093 |
| Loan and lease loss provision to assets | -0.1542% | 5,304 |
| Net operating income to assets | 1.2481% | 1,982 |
| Return on assets (ROA) | 1.2481% | 1,980 |
| Pretax return on assets | 1.2107% | 2,841 |
| Return on Equity (ROE) | 11.6198% | 1,855 |
| Retained earnings to average equity (ytd only) | 9.4199% | 752 |
| Net charge-offs to loans | 0.1383% | 1,374 |
| Credit loss provision to net charge-offs | -176.0417% | 4,461 |
| Earnings coverage of net charge-offs (x) | 12.0625% | 2,569 |
| Efficiency ratio | 71.7354% | 1,941 |
| Assets per employee ($millions) | 9.5576% | 391 |
| Cash dividends to net income (ytd only)* | 18.9327% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1375% | 377 |
| Loan loss allowance to noncurrent loans | 153.9429% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 1,252 |
| Noncurrent loans to loans | 1.3885% | 1,125 |
| Net loans and leases to total assets | 53.7714% | 4,296 |
| Net loans and leases to deposits | 60.7393% | 4,440 |
| Net loans and leases to core deposits | 71.6721% | 4,014 |
| Total domestic deposits to total assets | 88.5283% | 1,058 |
| Equity capital to assets | 11.2354% | 2,481 |
| Core capital (leverage) ratio | 11.7942% | 1,878 |
| Tier 1 risk-based capital ratio | 19.1612% | 1,483 |
| Total risk-based capital ratio | 20.4195% | 1,444 |
| Memoranda: | ||
| Average total assets | $109,607,200 | 3,950 |
| Average earning assets | $104,265,600 | 3,912 |
| Average equity | $11,773,000 | 4,052 |
| Average total loans | $69,428,800 | 3,879 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 2,648 |
| Cost of funding earning assets | 0.5771% | 2,653 |
| Net interest margin | 3.8162% | 2,585 |
| Noninterest income to average assets | 0.1945% | 4,810 |
| Noninterest expense to average assets | 2.7002% | 2,982 |
| Loan and lease loss provision to assets | 0.7433% | 131 |
| Net operating income to assets | 0.6941% | 4,241 |
| Return on assets (ROA) | 0.6941% | 4,249 |
| Pretax return on assets | 0.3803% | 5,055 |
| Return on Equity (ROE) | 6.5419% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.5378% | 4,001 |
| Net charge-offs to loans | 1.6312% | 70 |
| Credit loss provision to net charge-offs | 69.5052% | 2,641 |
| Earnings coverage of net charge-offs (x) | 1.0506% | 3,380 |
| Efficiency ratio | 70.6147% | 2,102 |
| Assets per employee ($millions) | 8.3478% | 558 |
| Cash dividends to net income (ytd only)* | 45.9214% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 490 |
| Loan loss allowance to noncurrent loans | 105.7345% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.1730% | 1,201 |
| Noncurrent loans to loans | 1.8851% | 802 |
| Net loans and leases to total assets | 60.9867% | 3,747 |
| Net loans and leases to deposits | 68.5539% | 4,017 |
| Net loans and leases to core deposits | 80.0155% | 3,495 |
| Total domestic deposits to total assets | 88.9617% | 857 |
| Equity capital to assets | 10.9434% | 2,713 |
| Core capital (leverage) ratio | 11.9137% | 1,833 |
| Tier 1 risk-based capital ratio | 16.9304% | 2,127 |
| Total risk-based capital ratio | 18.1865% | 2,081 |
| Memoranda: | ||
| Average total assets | $108,336,250 | 4,012 |
| Average earning assets | $103,032,750 | 3,971 |
| Average equity | $11,494,750 | 4,130 |
| Average total loans | $71,031,500 | 3,884 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 2,411 |
| Cost of funding earning assets | 0.5098% | 2,934 |
| Net interest margin | 3.8904% | 2,236 |
| Noninterest income to average assets | 0.1589% | 5,033 |
| Noninterest expense to average assets | 2.7024% | 3,009 |
| Loan and lease loss provision to assets | 1.1157% | 67 |
| Net operating income to assets | 0.0480% | 5,319 |
| Return on assets (ROA) | 0.0480% | 5,313 |
| Pretax return on assets | 0.0480% | 5,316 |
| Return on Equity (ROE) | 0.4574% | 5,306 |
| Retained earnings to average equity (ytd only) | -4.0993% | 5,250 |
| Net charge-offs to loans | 2.4072% | 40 |
| Credit loss provision to net charge-offs | 69.5052% | 2,354 |
| Earnings coverage of net charge-offs (x) | 0.7250% | 3,112 |
| Efficiency ratio | 69.8997% | 2,328 |
| Assets per employee ($millions) | 8.7813% | 479 |
| Cash dividends to net income (ytd only)* | 996.1538% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 639 |
| Loan loss allowance to noncurrent loans | 373.8889% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,383 |
| Noncurrent loans to loans | 0.5066% | 2,900 |
| Net loans and leases to total assets | 66.1583% | 3,125 |
| Net loans and leases to deposits | 75.9224% | 3,345 |
| Net loans and leases to core deposits | 84.4918% | 3,041 |
| Total domestic deposits to total assets | 87.1394% | 1,780 |
| Equity capital to assets | 10.6343% | 2,989 |
| Core capital (leverage) ratio | 11.4430% | 2,117 |
| Tier 1 risk-based capital ratio | 16.0982% | 2,403 |
| Total risk-based capital ratio | 17.3540% | 2,337 |
| Memoranda: | ||
| Average total assets | $108,274,330 | 4,045 |
| Average earning assets | $103,176,330 | 4,000 |
| Average equity | $11,367,670 | 4,173 |
| Average total loans | $72,198,670 | 3,890 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,550 |
| Cost of funding earning assets | 0.4464% | 3,229 |
| Net interest margin | 3.8459% | 2,242 |
| Noninterest income to average assets | 0.1019% | 5,322 |
| Noninterest expense to average assets | 2.6746% | 3,117 |
| Loan and lease loss provision to assets | 2.1979% | 26 |
| Net operating income to assets | -1.1026% | 5,538 |
| Return on assets (ROA) | -1.1026% | 5,537 |
| Pretax return on assets | -1.1026% | 5,538 |
| Return on Equity (ROE) | -10.4048% | 5,533 |
| Retained earnings to average equity (ytd only) | -19.2986% | 5,498 |
| Net charge-offs to loans | 4.7824% | 18 |
| Credit loss provision to net charge-offs | 69.4253% | 1,833 |
| Earnings coverage of net charge-offs (x) | 0.3460% | 2,645 |
| Efficiency ratio | 70.9459% | 2,354 |
| Assets per employee ($millions) | 7.8152% | 672 |
| Cash dividends to net income (ytd only)* | -85.4785% | 5,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,183 |
| Loan loss allowance to noncurrent loans | 318.0556% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 3,518 |
| Noncurrent loans to loans | 0.4997% | 3,016 |
| Net loans and leases to total assets | 64.7994% | 3,203 |
| Net loans and leases to deposits | 72.2015% | 3,586 |
| Net loans and leases to core deposits | 81.4772% | 3,186 |
| Total domestic deposits to total assets | 89.7480% | 765 |
| Equity capital to assets | 10.1578% | 3,439 |
| Core capital (leverage) ratio | 10.9771% | 2,462 |
| Tier 1 risk-based capital ratio | 15.5097% | 2,663 |
| Total risk-based capital ratio | 16.7619% | 2,600 |
| Memoranda: | ||
| Average total assets | $109,923,500 | 4,067 |
| Average earning assets | $104,840,000 | 4,015 |
| Average equity | $11,648,500 | 4,173 |
| Average total loans | $72,767,500 | 3,915 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 2,476 |
| Cost of funding earning assets | 0.3167% | 3,988 |
| Net interest margin | 3.9391% | 1,957 |
| Noninterest income to average assets | 0.1235% | 5,327 |
| Noninterest expense to average assets | 2.6329% | 3,341 |
| Loan and lease loss provision to assets | 0.0485% | 3,255 |
| Net operating income to assets | 1.2384% | 1,398 |
| Return on assets (ROA) | 1.2384% | 1,416 |
| Pretax return on assets | 1.2384% | 2,599 |
| Return on Equity (ROE) | 11.9924% | 1,218 |
| Retained earnings to average equity (ytd only) | 11.9924% | 178 |
| Net charge-offs to loans | 0.0066% | 3,841 |
| Credit loss provision to net charge-offs | 1,100.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 291.8000% | 294 |
| Efficiency ratio | 67.1692% | 3,055 |
| Assets per employee ($millions) | 7.8958% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.2970% | 3,184 |
| Net loans and leases to deposits | 73.5180% | 3,556 |
| Net loans and leases to core deposits | 92.6335% | 2,312 |
| Total domestic deposits to total assets | 88.8177% | 1,075 |
| Equity capital to assets | 11.1180% | 2,520 |
| Core capital (leverage) ratio | 11.0957% | 2,251 |
| Tier 1 risk-based capital ratio | 16.0475% | 2,419 |
| Total risk-based capital ratio | 17.3024% | 2,354 |
| Memoranda: | ||
| Average total assets | $113,371,400 | 4,004 |
| Average earning assets | $109,264,000 | 3,934 |
| Average equity | $11,707,400 | 4,185 |
| Average total loans | $75,507,200 | 3,833 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,679 |
| Cost of funding earning assets | 0.3000% | 4,131 |
| Net interest margin | 3.8805% | 2,107 |
| Noninterest income to average assets | 0.1274% | 5,365 |
| Noninterest expense to average assets | 2.5923% | 3,433 |
| Loan and lease loss provision to assets | 0.0643% | 2,789 |
| Net operating income to assets | 1.2202% | 1,607 |
| Return on assets (ROA) | 1.2202% | 1,638 |
| Pretax return on assets | 1.2202% | 2,825 |
| Return on Equity (ROE) | 12.0394% | 1,331 |
| Retained earnings to average equity (ytd only) | 12.0394% | 295 |
| Net charge-offs to loans | -0.0123% | 4,688 |
| Credit loss provision to net charge-offs | -785.7143% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8677% | 3,067 |
| Assets per employee ($millions) | 7.8574% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.4162% | 3,499 |
| Net loans and leases to deposits | 70.8028% | 3,892 |
| Net loans and leases to core deposits | 76.7689% | 3,744 |
| Total domestic deposits to total assets | 89.5674% | 635 |
| Equity capital to assets | 10.3834% | 3,498 |
| Core capital (leverage) ratio | 10.7874% | 2,655 |
| Tier 1 risk-based capital ratio | 15.1916% | 2,842 |
| Total risk-based capital ratio | 16.4456% | 2,769 |
| Memoranda: | ||
| Average total assets | $114,079,000 | 4,033 |
| Average earning assets | $110,224,500 | 3,951 |
| Average equity | $11,561,750 | 4,255 |
| Average total loans | $76,011,250 | 3,858 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 2,619 |
| Cost of funding earning assets | 0.2933% | 4,149 |
| Net interest margin | 3.8693% | 2,032 |
| Noninterest income to average assets | 0.1241% | 5,427 |
| Noninterest expense to average assets | 2.5953% | 3,444 |
| Loan and lease loss provision to assets | 0.0975% | 2,055 |
| Net operating income to assets | 1.1736% | 1,691 |
| Return on assets (ROA) | 1.1736% | 1,732 |
| Pretax return on assets | 1.1736% | 2,880 |
| Return on Equity (ROE) | 11.6793% | 1,394 |
| Retained earnings to average equity (ytd only) | 11.6793% | 352 |
| Net charge-offs to loans | -0.0132% | 4,627 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1252% | 3,161 |
| Assets per employee ($millions) | 7.0575% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 1,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.1769% | 3,075 |
| Net loans and leases to deposits | 74.0186% | 3,545 |
| Net loans and leases to core deposits | 85.0369% | 2,970 |
| Total domestic deposits to total assets | 89.4058% | 758 |
| Equity capital to assets | 10.5172% | 3,316 |
| Core capital (leverage) ratio | 10.6825% | 2,721 |
| Tier 1 risk-based capital ratio | 14.7823% | 3,021 |
| Total risk-based capital ratio | 16.0362% | 2,954 |
| Memoranda: | ||
| Average total assets | $112,818,330 | 4,080 |
| Average earning assets | $109,116,330 | 3,995 |
| Average equity | $11,336,330 | 4,304 |
| Average total loans | $75,993,000 | 3,881 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 2,808 |
| Cost of funding earning assets | 0.2564% | 4,483 |
| Net interest margin | 3.8018% | 2,106 |
| Noninterest income to average assets | 0.1064% | 5,567 |
| Noninterest expense to average assets | 2.6213% | 3,409 |
| Loan and lease loss provision to assets | 0.1064% | 1,793 |
| Net operating income to assets | 1.0606% | 2,029 |
| Return on assets (ROA) | 1.0606% | 2,068 |
| Pretax return on assets | 1.0606% | 3,130 |
| Return on Equity (ROE) | 10.8074% | 1,640 |
| Retained earnings to average equity (ytd only) | 10.8074% | 646 |
| Net charge-offs to loans | -0.0158% | 4,616 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1948% | 3,005 |
| Assets per employee ($millions) | 8.1967% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 1,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.1171% | 2,952 |
| Net loans and leases to deposits | 73.4383% | 3,458 |
| Net loans and leases to core deposits | 85.4222% | 2,771 |
| Total domestic deposits to total assets | 90.0308% | 647 |
| Equity capital to assets | 9.8864% | 3,889 |
| Core capital (leverage) ratio | 10.5460% | 2,846 |
| Tier 1 risk-based capital ratio | 14.0995% | 3,414 |
| Total risk-based capital ratio | 15.3531% | 3,335 |
| Memoranda: | ||
| Average total assets | $112,767,500 | 4,118 |
| Average earning assets | $109,210,000 | 4,025 |
| Average equity | $11,066,500 | 4,374 |
| Average total loans | $75,965,500 | 3,909 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,417 |
| Cost of funding earning assets | 0.2503% | 4,562 |
| Net interest margin | 3.6892% | 2,747 |
| Noninterest income to average assets | 0.1711% | 5,366 |
| Noninterest expense to average assets | 2.5524% | 3,832 |
| Loan and lease loss provision to assets | 2.5463% | 26 |
| Net operating income to assets | -1.3382% | 5,855 |
| Return on assets (ROA) | -1.3705% | 5,855 |
| Pretax return on assets | -1.3705% | 5,849 |
| Return on Equity (ROE) | -14.0004% | 5,856 |
| Retained earnings to average equity (ytd only) | -14.0004% | 5,818 |
| Net charge-offs to loans | 4.0623% | 20 |
| Credit loss provision to net charge-offs | 100.5515% | 2,548 |
| Earnings coverage of net charge-offs (x) | 0.4771% | 4,099 |
| Efficiency ratio | 67.8737% | 3,261 |
| Assets per employee ($millions) | 7.9129% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.3507% | 3,019 |
| Net loans and leases to deposits | 73.5849% | 3,556 |
| Net loans and leases to core deposits | 94.8121% | 2,027 |
| Total domestic deposits to total assets | 90.1689% | 573 |
| Equity capital to assets | 9.7381% | 4,017 |
| Core capital (leverage) ratio | 10.2797% | 3,133 |
| Tier 1 risk-based capital ratio | 14.0739% | 3,423 |
| Total risk-based capital ratio | 15.3287% | 3,336 |
| Memoranda: | ||
| Average total assets | $114,560,600 | 4,085 |
| Average earning assets | $111,461,200 | 3,984 |
| Average equity | $11,214,000 | 4,393 |
| Average total loans | $71,412,400 | 4,010 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,537 |
| Cost of funding earning assets | 0.2538% | 4,567 |
| Net interest margin | 3.6598% | 2,859 |
| Noninterest income to average assets | 0.1951% | 5,296 |
| Noninterest expense to average assets | 2.5487% | 3,833 |
| Loan and lease loss provision to assets | 3.3671% | 16 |
| Net operating income to assets | -2.1586% | 5,949 |
| Return on assets (ROA) | -2.2013% | 5,949 |
| Pretax return on assets | -2.2013% | 5,943 |
| Return on Equity (ROE) | -22.4601% | 5,948 |
| Retained earnings to average equity (ytd only) | -22.4601% | 5,923 |
| Net charge-offs to loans | 5.6676% | 5 |
| Credit loss provision to net charge-offs | 97.2333% | 2,420 |
| Earnings coverage of net charge-offs (x) | 0.3490% | 3,796 |
| Efficiency ratio | 67.8341% | 3,252 |
| Assets per employee ($millions) | 7.7703% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.6687% | 3,175 |
| Net loans and leases to deposits | 76.2914% | 3,375 |
| Net loans and leases to core deposits | 92.5793% | 2,325 |
| Total domestic deposits to total assets | 86.0761% | 2,315 |
| Equity capital to assets | 10.3453% | 3,752 |
| Core capital (leverage) ratio | 9.8872% | 3,709 |
| Tier 1 risk-based capital ratio | 14.1140% | 3,498 |
| Total risk-based capital ratio | 15.3665% | 3,421 |
| Memoranda: | ||
| Average total assets | $115,505,500 | 4,099 |
| Average earning assets | $112,425,500 | 3,985 |
| Average equity | $11,320,500 | 4,408 |
| Average total loans | $70,574,250 | 4,060 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 3,693 |
| Cost of funding earning assets | 0.2598% | 4,550 |
| Net interest margin | 3.6114% | 3,053 |
| Noninterest income to average assets | 0.2429% | 5,030 |
| Noninterest expense to average assets | 2.5377% | 3,917 |
| Loan and lease loss provision to assets | 4.8630% | 9 |
| Net operating income to assets | -3.6400% | 6,042 |
| Return on assets (ROA) | -3.7080% | 6,043 |
| Pretax return on assets | -3.7080% | 6,041 |
| Return on Equity (ROE) | -38.4918% | 6,038 |
| Retained earnings to average equity (ytd only) | -38.4918% | 6,022 |
| Net charge-offs to loans | 8.5924% | 3 |
| Credit loss provision to net charge-offs | 95.3380% | 2,178 |
| Earnings coverage of net charge-offs (x) | 0.2398% | 3,539 |
| Efficiency ratio | 67.4797% | 3,456 |
| Assets per employee ($millions) | 7.3727% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.6939% | 3,790 |
| Net loans and leases to deposits | 67.4613% | 4,229 |
| Net loans and leases to core deposits | 84.9721% | 2,991 |
| Total domestic deposits to total assets | 89.9684% | 502 |
| Equity capital to assets | 9.9258% | 4,313 |
| Core capital (leverage) ratio | 9.0219% | 4,803 |
| Tier 1 risk-based capital ratio | 14.5344% | 3,299 |
| Total risk-based capital ratio | 15.7873% | 3,230 |
| Memoranda: | ||
| Average total assets | $117,746,000 | 4,095 |
| Average earning assets | $114,693,330 | 3,966 |
| Average equity | $11,342,670 | 4,430 |
| Average total loans | $69,899,330 | 4,099 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 3,770 |
| Cost of funding earning assets | 0.2564% | 4,636 |
| Net interest margin | 3.5931% | 3,115 |
| Noninterest income to average assets | 0.2835% | 4,688 |
| Noninterest expense to average assets | 2.5354% | 3,960 |
| Loan and lease loss provision to assets | 9.3238% | 3 |
| Net operating income to assets | -8.0644% | 6,118 |
| Return on assets (ROA) | -8.0644% | 6,118 |
| Pretax return on assets | -8.0644% | 6,118 |
| Return on Equity (ROE) | -84.8900% | 6,114 |
| Retained earnings to average equity (ytd only) | -84.8900% | 6,102 |
| Net charge-offs to loans | 17.0664% | 1 |
| Credit loss provision to net charge-offs | 93.7044% | 1,733 |
| Earnings coverage of net charge-offs (x) | 0.1266% | 2,964 |
| Efficiency ratio | 66.8115% | 3,664 |
| Assets per employee ($millions) | 8.0973% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.9032% | 4,157 |
| Net loans and leases to deposits | 65.2327% | 4,316 |
| Net loans and leases to core deposits | 74.8716% | 3,802 |
| Total domestic deposits to total assets | 87.2311% | 2,084 |
| Equity capital to assets | 8.5938% | 5,500 |
| Core capital (leverage) ratio | 8.3896% | 5,486 |
| Tier 1 risk-based capital ratio | 13.3243% | 4,083 |
| Total risk-based capital ratio | 14.5748% | 4,006 |
| Memoranda: | ||
| Average total assets | $121,323,500 | 4,046 |
| Average earning assets | $118,560,000 | 3,933 |
| Average equity | $11,525,500 | 4,413 |
| Average total loans | $70,735,500 | 4,098 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 4,469 |
| Cost of funding earning assets | 0.3108% | 4,134 |
| Net interest margin | 3.3556% | 4,091 |
| Noninterest income to average assets | 0.1841% | 5,493 |
| Noninterest expense to average assets | 2.6649% | 3,711 |
| Loan and lease loss provision to assets | 0.7239% | 137 |
| Net operating income to assets | 0.0515% | 5,812 |
| Return on assets (ROA) | 0.0515% | 5,849 |
| Pretax return on assets | 0.0515% | 5,845 |
| Return on Equity (ROE) | 0.4806% | 5,843 |
| Retained earnings to average equity (ytd only) | -0.3546% | 5,566 |
| Net charge-offs to loans | 0.4709% | 579 |
| Credit loss provision to net charge-offs | 280.9836% | 1,039 |
| Earnings coverage of net charge-offs (x) | 3.0098% | 3,792 |
| Efficiency ratio | 77.4613% | 2,053 |
| Assets per employee ($millions) | 8.0792% | 540 |
| Cash dividends to net income (ytd only)* | 173.7705% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 1,251 |
| Loan loss allowance to noncurrent loans | 41.2252% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.4920% | 622 |
| Noncurrent loans to loans | 4.2355% | 271 |
| Net loans and leases to total assets | 57.8085% | 4,113 |
| Net loans and leases to deposits | 65.7985% | 4,331 |
| Net loans and leases to core deposits | 76.5232% | 3,711 |
| Total domestic deposits to total assets | 87.8569% | 1,713 |
| Equity capital to assets | 10.4078% | 3,473 |
| Core capital (leverage) ratio | 10.4935% | 2,937 |
| Tier 1 risk-based capital ratio | 15.9790% | 2,694 |
| Total risk-based capital ratio | 17.2326% | 2,633 |
| Memoranda: | ||
| Average total assets | $118,392,400 | 4,092 |
| Average earning assets | $114,881,600 | 3,984 |
| Average equity | $12,691,200 | 4,191 |
| Average total loans | $64,770,400 | 4,239 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,506 |
| Cost of funding earning assets | 0.3242% | 4,059 |
| Net interest margin | 3.3504% | 4,140 |
| Noninterest income to average assets | 0.1620% | 5,675 |
| Noninterest expense to average assets | 2.6917% | 3,587 |
| Loan and lease loss provision to assets | 0.9709% | 67 |
| Net operating income to assets | -0.2572% | 6,070 |
| Return on assets (ROA) | -0.2572% | 6,086 |
| Pretax return on assets | -0.2572% | 6,073 |
| Return on Equity (ROE) | -2.3811% | 6,084 |
| Retained earnings to average equity (ytd only) | -3.4930% | 5,962 |
| Net charge-offs to loans | 0.6483% | 343 |
| Credit loss provision to net charge-offs | 279.1531% | 1,033 |
| Earnings coverage of net charge-offs (x) | 2.0521% | 3,737 |
| Efficiency ratio | 79.0419% | 1,796 |
| Assets per employee ($millions) | 7.1123% | 826 |
| Cash dividends to net income (ytd only)* | -46.6960% | 6,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 1,033 |
| Loan loss allowance to noncurrent loans | 6,215.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 5,734 |
| Noncurrent loans to loans | 0.0309% | 5,495 |
| Net loans and leases to total assets | 52.5751% | 4,702 |
| Net loans and leases to deposits | 59.9026% | 4,867 |
| Net loans and leases to core deposits | 72.7714% | 4,120 |
| Total domestic deposits to total assets | 87.7677% | 1,673 |
| Equity capital to assets | 10.4484% | 3,652 |
| Core capital (leverage) ratio | 10.1757% | 3,406 |
| Tier 1 risk-based capital ratio | 17.1954% | 2,295 |
| Total risk-based capital ratio | 18.4502% | 2,244 |
| Memoranda: | ||
| Average total assets | $117,693,500 | 4,148 |
| Average earning assets | $113,934,500 | 4,043 |
| Average equity | $12,710,750 | 4,235 |
| Average total loans | $63,137,500 | 4,333 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,476 |
| Cost of funding earning assets | 0.3408% | 3,912 |
| Net interest margin | 3.3366% | 4,154 |
| Noninterest income to average assets | 0.1543% | 5,786 |
| Noninterest expense to average assets | 2.6993% | 3,596 |
| Loan and lease loss provision to assets | 0.6122% | 149 |
| Net operating income to assets | 0.0669% | 5,912 |
| Return on assets (ROA) | 0.0669% | 5,955 |
| Pretax return on assets | 0.0669% | 5,963 |
| Return on Equity (ROE) | 0.6124% | 5,952 |
| Retained earnings to average equity (ytd only) | -1.0521% | 5,698 |
| Net charge-offs to loans | 0.7319% | 307 |
| Credit loss provision to net charge-offs | 155.8952% | 1,501 |
| Earnings coverage of net charge-offs (x) | 1.7293% | 3,461 |
| Efficiency ratio | 79.8985% | 1,779 |
| Assets per employee ($millions) | 8.7621% | 401 |
| Cash dividends to net income (ytd only)* | 271.7949% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 3,477 |
| Loan loss allowance to noncurrent loans | 540.1316% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 5,320 |
| Noncurrent loans to loans | 0.2325% | 4,839 |
| Net loans and leases to total assets | 56.6699% | 4,257 |
| Net loans and leases to deposits | 65.7818% | 4,356 |
| Net loans and leases to core deposits | 81.6863% | 3,218 |
| Total domestic deposits to total assets | 86.1483% | 2,610 |
| Equity capital to assets | 11.1126% | 2,763 |
| Core capital (leverage) ratio | 10.7308% | 2,699 |
| Tier 1 risk-based capital ratio | 17.5151% | 2,217 |
| Total risk-based capital ratio | 18.6211% | 2,218 |
| Memoranda: | ||
| Average total assets | $116,621,670 | 4,213 |
| Average earning assets | $112,690,330 | 4,102 |
| Average equity | $12,736,670 | 4,256 |
| Average total loans | $62,579,670 | 4,386 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 4,796 |
| Cost of funding earning assets | 0.3513% | 3,846 |
| Net interest margin | 3.2106% | 4,569 |
| Noninterest income to average assets | 0.1594% | 5,780 |
| Noninterest expense to average assets | 2.5632% | 4,053 |
| Loan and lease loss provision to assets | 1.1595% | 63 |
| Net operating income to assets | -0.4645% | 6,233 |
| Return on assets (ROA) | -0.4645% | 6,245 |
| Pretax return on assets | -0.4645% | 6,235 |
| Return on Equity (ROE) | -4.2893% | 6,246 |
| Retained earnings to average equity (ytd only) | -7.6080% | 6,061 |
| Net charge-offs to loans | 1.2749% | 159 |
| Credit loss provision to net charge-offs | 175.3846% | 1,143 |
| Earnings coverage of net charge-offs (x) | 1.0513% | 2,975 |
| Efficiency ratio | 78.6681% | 2,090 |
| Assets per employee ($millions) | 7.6343% | 637 |
| Cash dividends to net income (ytd only)* | -77.3723% | 6,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 3,393 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 4,975 |
| Noncurrent loans to loans | 0.4556% | 4,219 |
| Net loans and leases to total assets | 52.1445% | 4,649 |
| Net loans and leases to deposits | 59.9620% | 4,749 |
| Net loans and leases to core deposits | 80.1586% | 3,136 |
| Total domestic deposits to total assets | 86.9626% | 2,392 |
| Equity capital to assets | 10.4495% | 3,585 |
| Core capital (leverage) ratio | 10.6145% | 2,836 |
| Tier 1 risk-based capital ratio | 17.3356% | 2,367 |
| Total risk-based capital ratio | 18.4714% | 2,356 |
| Memoranda: | ||
| Average total assets | $117,979,000 | 4,220 |
| Average earning assets | $113,873,500 | 4,102 |
| Average equity | $12,776,000 | 4,277 |
| Average total loans | $61,183,500 | 4,463 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 4,339 |
| Cost of funding earning assets | 0.3970% | 3,725 |
| Net interest margin | 3.4480% | 3,991 |
| Noninterest income to average assets | 0.1219% | 6,081 |
| Noninterest expense to average assets | 2.8181% | 3,418 |
| Loan and lease loss provision to assets | 0.1915% | 1,338 |
| Net operating income to assets | 0.4228% | 5,139 |
| Return on assets (ROA) | 0.5098% | 4,857 |
| Pretax return on assets | 0.5098% | 5,223 |
| Return on Equity (ROE) | 4.3637% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.3637% | 3,075 |
| Net charge-offs to loans | 0.0523% | 3,787 |
| Credit loss provision to net charge-offs | 761.5385% | 355 |
| Earnings coverage of net charge-offs (x) | 24.4231% | 1,540 |
| Efficiency ratio | 82.1026% | 1,650 |
| Assets per employee ($millions) | 6.6946% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.2069% | 4,953 |
| Net loans and leases to deposits | 58.9291% | 4,986 |
| Net loans and leases to core deposits | 81.9846% | 3,109 |
| Total domestic deposits to total assets | 85.1989% | 3,209 |
| Equity capital to assets | 11.2364% | 2,657 |
| Core capital (leverage) ratio | 11.3485% | 2,093 |
| Tier 1 risk-based capital ratio | 19.5003% | 1,727 |
| Total risk-based capital ratio | 19.7437% | 1,964 |
| Memoranda: | ||
| Average total assets | $103,368,400 | 4,519 |
| Average earning assets | $99,245,600 | 4,411 |
| Average equity | $12,076,800 | 4,346 |
| Average total loans | $49,677,800 | 4,829 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 4,339 |
| Cost of funding earning assets | 0.4027% | 3,765 |
| Net interest margin | 3.4549% | 3,998 |
| Noninterest income to average assets | 0.1112% | 6,203 |
| Noninterest expense to average assets | 2.8119% | 3,416 |
| Loan and lease loss provision to assets | 0.2289% | 979 |
| Net operating income to assets | 0.3851% | 5,302 |
| Return on assets (ROA) | 0.3943% | 5,347 |
| Pretax return on assets | 0.3943% | 5,586 |
| Return on Equity (ROE) | 3.3391% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.3391% | 4,237 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0780% | 1,613 |
| Assets per employee ($millions) | 6.6886% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.2388% | 5,085 |
| Net loans and leases to deposits | 60.5767% | 4,886 |
| Net loans and leases to core deposits | 87.1761% | 2,518 |
| Total domestic deposits to total assets | 81.2835% | 4,740 |
| Equity capital to assets | 10.8727% | 3,097 |
| Core capital (leverage) ratio | 11.6388% | 1,950 |
| Tier 1 risk-based capital ratio | 19.2721% | 1,830 |
| Total risk-based capital ratio | 20.3154% | 1,854 |
| Memoranda: | ||
| Average total assets | $100,758,250 | 4,627 |
| Average earning assets | $96,672,000 | 4,532 |
| Average equity | $11,899,000 | 4,404 |
| Average total loans | $47,639,000 | 4,944 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 4,229 |
| Cost of funding earning assets | 0.3973% | 3,892 |
| Net interest margin | 3.4810% | 3,855 |
| Noninterest income to average assets | 0.1037% | 6,274 |
| Noninterest expense to average assets | 2.8888% | 3,203 |
| Loan and lease loss provision to assets | 0.2509% | 869 |
| Net operating income to assets | 0.3069% | 5,544 |
| Return on assets (ROA) | 0.3069% | 5,616 |
| Pretax return on assets | 0.3069% | 5,769 |
| Return on Equity (ROE) | 2.5204% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.5204% | 4,595 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8147% | 1,540 |
| Assets per employee ($millions) | 6.5775% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.3296% | 4,714 |
| Net loans and leases to deposits | 65.4398% | 4,327 |
| Net loans and leases to core deposits | 105.6714% | 915 |
| Total domestic deposits to total assets | 79.9661% | 5,242 |
| Equity capital to assets | 12.3684% | 1,725 |
| Core capital (leverage) ratio | 12.7349% | 1,273 |
| Tier 1 risk-based capital ratio | 20.2890% | 1,616 |
| Total risk-based capital ratio | 21.3187% | 1,643 |
| Memoranda: | ||
| Average total assets | $96,442,000 | 4,762 |
| Average earning assets | $92,617,000 | 4,668 |
| Average equity | $11,744,330 | 4,445 |
| Average total loans | $44,624,670 | 5,096 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 4,438 |
| Cost of funding earning assets | 0.3733% | 4,271 |
| Net interest margin | 3.4386% | 3,943 |
| Noninterest income to average assets | 0.0923% | 6,361 |
| Noninterest expense to average assets | 2.7987% | 3,571 |
| Loan and lease loss provision to assets | 0.0462% | 3,173 |
| Net operating income to assets | 0.5329% | 4,539 |
| Return on assets (ROA) | 0.5329% | 4,610 |
| Pretax return on assets | 0.5329% | 5,071 |
| Return on Equity (ROE) | 4.4116% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.4116% | 3,479 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 1,817 |
| Assets per employee ($millions) | 5.8228% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 4,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.2721% | 5,726 |
| Net loans and leases to deposits | 50.2843% | 5,579 |
| Net loans and leases to core deposits | 80.2380% | 2,940 |
| Total domestic deposits to total assets | 82.0774% | 4,917 |
| Equity capital to assets | 11.8945% | 1,946 |
| Core capital (leverage) ratio | 13.0654% | 1,140 |
| Tier 1 risk-based capital ratio | 23.3547% | 1,093 |
| Total risk-based capital ratio | 23.6471% | 1,209 |
| Memoranda: | ||
| Average total assets | $95,331,500 | 4,831 |
| Average earning assets | $91,082,500 | 4,747 |
| Average equity | $11,515,000 | 4,507 |
| Average total loans | $40,801,000 | 5,286 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 5,677 |
| Cost of funding earning assets | 0.5961% | 2,701 |
| Net interest margin | 2.8866% | 5,812 |
| Noninterest income to average assets | 0.0673% | 6,494 |
| Noninterest expense to average assets | 2.3885% | 5,105 |
| Loan and lease loss provision to assets | 0.5320% | 508 |
| Net operating income to assets | -0.0739% | 6,275 |
| Return on assets (ROA) | 0.0155% | 6,228 |
| Pretax return on assets | 0.0155% | 6,209 |
| Return on Equity (ROE) | 0.1178% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.1178% | 5,799 |
| Net charge-offs to loans | 0.8317% | 741 |
| Credit loss provision to net charge-offs | 160.6667% | 1,426 |
| Earnings coverage of net charge-offs (x) | 1.3833% | 4,600 |
| Efficiency ratio | 83.9085% | 1,632 |
| Assets per employee ($millions) | 8.3342% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 43.2992% | 5,736 |
| Net loans and leases to deposits | 52.6592% | 5,575 |
| Net loans and leases to core deposits | 89.1061% | 2,130 |
| Total domestic deposits to total assets | 82.2254% | 4,802 |
| Equity capital to assets | 12.2780% | 1,635 |
| Core capital (leverage) ratio | 13.4701% | 964 |
| Tier 1 risk-based capital ratio | 23.0194% | 1,097 |
| Total risk-based capital ratio | 23.9795% | 1,118 |
| Memoranda: | ||
| Average total assets | $90,602,400 | 4,966 |
| Average earning assets | $87,229,600 | 4,847 |
| Average equity | $11,881,200 | 4,464 |
| Average total loans | $36,070,800 | 5,494 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 5,987 |
| Cost of funding earning assets | 0.6285% | 2,563 |
| Net interest margin | 2.7145% | 6,153 |
| Noninterest income to average assets | 0.0605% | 6,600 |
| Noninterest expense to average assets | 2.2907% | 5,374 |
| Loan and lease loss provision to assets | 0.5048% | 537 |
| Net operating income to assets | -0.1151% | 6,399 |
| Return on assets (ROA) | 0.0044% | 6,341 |
| Pretax return on assets | 0.0044% | 6,318 |
| Return on Equity (ROE) | 0.0332% | 6,342 |
| Retained earnings to average equity (ytd only) | 0.0332% | 5,923 |
| Net charge-offs to loans | 1.1417% | 486 |
| Credit loss provision to net charge-offs | 114.0000% | 2,064 |
| Earnings coverage of net charge-offs (x) | 0.8800% | 4,557 |
| Efficiency ratio | 85.4626% | 1,417 |
| Assets per employee ($millions) | 8.0459% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 41.4575% | 5,938 |
| Net loans and leases to deposits | 52.0247% | 5,705 |
| Net loans and leases to core deposits | 53.9898% | 5,764 |
| Total domestic deposits to total assets | 79.6882% | 5,584 |
| Equity capital to assets | 13.2106% | 1,238 |
| Core capital (leverage) ratio | 13.8368% | 908 |
| Tier 1 risk-based capital ratio | 28.7336% | 582 |
| Total risk-based capital ratio | 29.6112% | 590 |
| Memoranda: | ||
| Average total assets | $90,334,000 | 5,031 |
| Average earning assets | $87,184,500 | 4,894 |
| Average equity | $12,037,500 | 4,486 |
| Average total loans | $35,034,500 | 5,586 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2992% | 6,089 |
| Cost of funding earning assets | 0.6653% | 2,356 |
| Net interest margin | 2.6339% | 6,293 |
| Noninterest income to average assets | 0.0550% | 6,660 |
| Noninterest expense to average assets | 2.2431% | 5,517 |
| Loan and lease loss provision to assets | 0.7081% | 327 |
| Net operating income to assets | -0.3541% | 6,584 |
| Return on assets (ROA) | -0.1759% | 6,508 |
| Pretax return on assets | -0.1759% | 6,482 |
| Return on Equity (ROE) | -1.3166% | 6,481 |
| Retained earnings to average equity (ytd only) | -1.3166% | 6,097 |
| Net charge-offs to loans | 1.7465% | 275 |
| Credit loss provision to net charge-offs | 107.3333% | 2,064 |
| Earnings coverage of net charge-offs (x) | 0.5367% | 4,360 |
| Efficiency ratio | 86.3675% | 1,380 |
| Assets per employee ($millions) | 8.7739% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 40.7800% | 5,988 |
| Net loans and leases to deposits | 53.5108% | 5,556 |
| Net loans and leases to core deposits | 57.2361% | 5,505 |
| Total domestic deposits to total assets | 76.2090% | 6,230 |
| Equity capital to assets | 12.6420% | 1,502 |
| Core capital (leverage) ratio | 13.5348% | 964 |
| Tier 1 risk-based capital ratio | 29.3946% | 552 |
| Total risk-based capital ratio | 30.2513% | 560 |
| Memoranda: | ||
| Average total assets | $90,943,670 | 5,036 |
| Average earning assets | $87,779,670 | 4,904 |
| Average equity | $12,152,670 | 4,495 |
| Average total loans | $34,355,000 | 5,650 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0749% | 6,423 |
| Cost of funding earning assets | 0.6858% | 2,340 |
| Net interest margin | 2.3891% | 6,609 |
| Noninterest income to average assets | 0.0562% | 6,713 |
| Noninterest expense to average assets | 2.2216% | 5,633 |
| Loan and lease loss provision to assets | 0.0864% | 3,218 |
| Net operating income to assets | 0.0519% | 6,243 |
| Return on assets (ROA) | 0.0519% | 6,331 |
| Pretax return on assets | 0.0519% | 6,335 |
| Return on Equity (ROE) | 0.3785% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.3785% | 5,667 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1392% | 828 |
| Assets per employee ($millions) | 8.2425% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 5,919 |
| Loan loss allowance to noncurrent loans | 119.6667% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 5,592 |
| Noncurrent loans to loans | 0.8524% | 4,412 |
| Net loans and leases to total assets | 38.4208% | 6,127 |
| Net loans and leases to deposits | 53.8858% | 5,443 |
| Net loans and leases to core deposits | 60.3308% | 5,108 |
| Total domestic deposits to total assets | 71.3005% | 6,689 |
| Equity capital to assets | 13.9400% | 1,047 |
| Core capital (leverage) ratio | 13.3113% | 1,012 |
| Tier 1 risk-based capital ratio | 30.1081% | 524 |
| Total risk-based capital ratio | 30.9748% | 539 |
| Memoranda: | ||
| Average total assets | $92,546,000 | 5,037 |
| Average earning assets | $89,237,500 | 4,904 |
| Average equity | $12,683,000 | 4,435 |
| Average total loans | $33,462,000 | 5,730 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2897% | 6,595 |
| Cost of funding earning assets | 0.7376% | 3,182 |
| Net interest margin | 2.5521% | 6,677 |
| Noninterest income to average assets | 0.0519% | 6,680 |
| Noninterest expense to average assets | 2.3880% | 5,438 |
| Loan and lease loss provision to assets | 0.1695% | 3,503 |
| Net operating income to assets | -0.0519% | 6,241 |
| Return on assets (ROA) | 0.4301% | 5,210 |
| Pretax return on assets | 0.4301% | 5,480 |
| Return on Equity (ROE) | 2.8452% | 5,615 |
| Retained earnings to average equity (ytd only) | -0.2975% | 5,905 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3060% | 734 |
| Assets per employee ($millions) | 8.5841% | 390 |
| Cash dividends to net income (ytd only)* | 110.4558% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 5,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 33.2444% | 6,581 |
| Net loans and leases to deposits | 45.2973% | 6,285 |
| Net loans and leases to core deposits | 48.5073% | 6,235 |
| Total domestic deposits to total assets | 73.3916% | 6,586 |
| Equity capital to assets | 13.4784% | 1,237 |
| Core capital (leverage) ratio | 13.4454% | 966 |
| Tier 1 risk-based capital ratio | 32.4417% | 417 |
| Total risk-based capital ratio | 33.3247% | 423 |
| Memoranda: | ||
| Average total assets | $86,724,600 | 5,168 |
| Average earning assets | $83,381,000 | 5,029 |
| Average equity | $13,109,600 | 4,333 |
| Average total loans | $24,755,000 | 6,207 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2774% | 6,746 |
| Cost of funding earning assets | 0.7600% | 3,273 |
| Net interest margin | 2.5174% | 6,817 |
| Noninterest income to average assets | 0.0503% | 6,802 |
| Noninterest expense to average assets | 2.3930% | 5,419 |
| Loan and lease loss provision to assets | 0.1352% | 3,855 |
| Net operating income to assets | -0.0613% | 6,355 |
| Return on assets (ROA) | 0.1038% | 6,267 |
| Pretax return on assets | 0.1038% | 6,270 |
| Return on Equity (ROE) | 0.6664% | 6,309 |
| Retained earnings to average equity (ytd only) | 0.6664% | 5,886 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0045% | 636 |
| Assets per employee ($millions) | 9.0906% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 6,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.1597% | 6,811 |
| Net loans and leases to deposits | 46.9984% | 6,317 |
| Net loans and leases to core deposits | 51.0027% | 6,241 |
| Total domestic deposits to total assets | 64.1718% | 7,015 |
| Equity capital to assets | 15.3367% | 742 |
| Core capital (leverage) ratio | 13.8335% | 890 |
| Tier 1 risk-based capital ratio | 35.3113% | 347 |
| Total risk-based capital ratio | 36.0935% | 357 |
| Memoranda: | ||
| Average total assets | $84,799,500 | 5,277 |
| Average earning assets | $81,403,750 | 5,128 |
| Average equity | $13,205,250 | 4,361 |
| Average total loans | $23,011,250 | 6,376 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 6,831 |
| Cost of funding earning assets | 0.7939% | 3,239 |
| Net interest margin | 2.4799% | 6,905 |
| Noninterest income to average assets | 0.0266% | 6,927 |
| Noninterest expense to average assets | 2.4431% | 5,320 |
| Loan and lease loss provision to assets | 0.1498% | 3,649 |
| Net operating income to assets | -0.1885% | 6,531 |
| Return on assets (ROA) | 0.0652% | 6,371 |
| Pretax return on assets | 0.0652% | 6,369 |
| Return on Equity (ROE) | 0.4167% | 6,403 |
| Retained earnings to average equity (ytd only) | 0.4167% | 5,902 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6080% | 506 |
| Assets per employee ($millions) | 8.7363% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 6,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 29.0043% | 6,899 |
| Net loans and leases to deposits | 47.9361% | 6,315 |
| Net loans and leases to core deposits | 53.3093% | 6,139 |
| Total domestic deposits to total assets | 60.5062% | 7,125 |
| Equity capital to assets | 15.3143% | 714 |
| Core capital (leverage) ratio | 14.3207% | 732 |
| Tier 1 risk-based capital ratio | 37.2494% | 297 |
| Total risk-based capital ratio | 38.0061% | 308 |
| Memoranda: | ||
| Average total assets | $82,764,000 | 5,359 |
| Average earning assets | $79,357,330 | 5,228 |
| Average equity | $12,959,670 | 4,399 |
| Average total loans | $21,450,000 | 6,493 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 6,957 |
| Cost of funding earning assets | 0.8191% | 3,321 |
| Net interest margin | 2.3640% | 7,032 |
| Noninterest income to average assets | 0.0447% | 6,956 |
| Noninterest expense to average assets | 2.5353% | 5,039 |
| Loan and lease loss provision to assets | 0.0746% | 4,465 |
| Net operating income to assets | -0.2983% | 6,709 |
| Return on assets (ROA) | -0.2983% | 6,749 |
| Pretax return on assets | -0.2983% | 6,731 |
| Return on Equity (ROE) | -1.8824% | 6,678 |
| Retained earnings to average equity (ytd only) | -1.8824% | 6,266 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6774% | 341 |
| Assets per employee ($millions) | 8.1347% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 25.4859% | 7,053 |
| Net loans and leases to deposits | 46.3119% | 6,408 |
| Net loans and leases to core deposits | 49.4361% | 6,368 |
| Total domestic deposits to total assets | 55.0309% | 7,227 |
| Equity capital to assets | 15.6822% | 621 |
| Core capital (leverage) ratio | 15.0427% | 593 |
| Tier 1 risk-based capital ratio | 42.6910% | 189 |
| Total risk-based capital ratio | 43.4033% | 195 |
| Memoranda: | ||
| Average total assets | $80,464,500 | 5,457 |
| Average earning assets | $77,156,000 | 5,324 |
| Average equity | $12,750,000 | 4,451 |
| Average total loans | $19,378,500 | 6,642 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4476% | 7,023 |
| Cost of funding earning assets | 0.8605% | 4,390 |
| Net interest margin | 2.5871% | 7,009 |
| Noninterest income to average assets | 0.0461% | 6,851 |
| Noninterest expense to average assets | 2.4386% | 5,664 |
| Loan and lease loss provision to assets | 0.0855% | 5,531 |
| Net operating income to assets | -0.0054% | 6,047 |
| Return on assets (ROA) | 0.0801% | 6,020 |
| Pretax return on assets | 0.0801% | 5,999 |
| Return on Equity (ROE) | 0.4984% | 6,062 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8211% | 779 |
| Assets per employee ($millions) | 9.9478% | 239 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 5,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 22.1482% | 7,181 |
| Net loans and leases to deposits | 41.0250% | 6,830 |
| Net loans and leases to core deposits | 42.3305% | 6,874 |
| Total domestic deposits to total assets | 53.9871% | 7,269 |
| Equity capital to assets | 16.0124% | 575 |
| Core capital (leverage) ratio | 14.8804% | 622 |
| Tier 1 risk-based capital ratio | 47.5969% | 146 |
| Total risk-based capital ratio | 48.3304% | 150 |
| Memoranda: | ||
| Average total assets | $73,690,200 | 5,650 |
| Average earning assets | $70,426,600 | 5,523 |
| Average equity | $11,839,000 | 4,585 |
| Average total loans | $13,268,400 | 6,975 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 6,969 |
| Cost of funding earning assets | 0.8641% | 4,670 |
| Net interest margin | 2.7973% | 6,884 |
| Noninterest income to average assets | 0.0462% | 6,969 |
| Noninterest expense to average assets | 2.4167% | 5,717 |
| Loan and lease loss provision to assets | 0.1089% | 5,078 |
| Net operating income to assets | 0.1920% | 5,722 |
| Return on assets (ROA) | 0.3083% | 5,540 |
| Pretax return on assets | 0.3083% | 5,688 |
| Return on Equity (ROE) | 1.9173% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.9173% | 5,180 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9266% | 1,253 |
| Assets per employee ($millions) | 9.9405% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 4,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 17.5130% | 7,314 |
| Net loans and leases to deposits | 32.7825% | 7,160 |
| Net loans and leases to core deposits | 34.0455% | 7,162 |
| Total domestic deposits to total assets | 53.4216% | 7,348 |
| Equity capital to assets | 16.5849% | 534 |
| Core capital (leverage) ratio | 15.9224% | 513 |
| Tier 1 risk-based capital ratio | 52.9530% | 134 |
| Total risk-based capital ratio | 53.7422% | 136 |
| Memoranda: | ||
| Average total assets | $72,217,250 | 5,729 |
| Average earning assets | $68,968,750 | 5,617 |
| Average equity | $11,613,000 | 4,661 |
| Average total loans | $12,131,000 | 7,097 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 6,978 |
| Cost of funding earning assets | 0.8966% | 4,699 |
| Net interest margin | 2.8462% | 6,871 |
| Noninterest income to average assets | 0.0459% | 7,062 |
| Noninterest expense to average assets | 2.4161% | 5,794 |
| Loan and lease loss provision to assets | 0.0974% | 5,106 |
| Net operating income to assets | 0.2436% | 5,585 |
| Return on assets (ROA) | 0.2436% | 5,709 |
| Pretax return on assets | 0.2436% | 5,827 |
| Return on Equity (ROE) | 1.5332% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.5332% | 5,214 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6299% | 1,455 |
| Assets per employee ($millions) | 9.3128% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 5,257 |
| Loan loss allowance to noncurrent loans | 8,150.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,131 |
| Noncurrent loans to loans | 0.0155% | 6,963 |
| Net loans and leases to total assets | 17.1458% | 7,400 |
| Net loans and leases to deposits | 33.1844% | 7,242 |
| Net loans and leases to core deposits | 34.8360% | 7,242 |
| Total domestic deposits to total assets | 51.6684% | 7,420 |
| Equity capital to assets | 16.3217% | 572 |
| Core capital (leverage) ratio | 16.6662% | 435 |
| Tier 1 risk-based capital ratio | 54.9057% | 129 |
| Total risk-based capital ratio | 55.6203% | 130 |
| Memoranda: | ||
| Average total assets | $69,781,670 | 5,834 |
| Average earning assets | $66,475,330 | 5,741 |
| Average equity | $11,087,670 | 4,785 |
| Average total loans | $11,469,670 | 7,201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 7,011 |
| Cost of funding earning assets | 0.9179% | 4,795 |
| Net interest margin | 2.8350% | 6,860 |
| Noninterest income to average assets | 0.0415% | 7,175 |
| Noninterest expense to average assets | 2.4384% | 5,770 |
| Loan and lease loss provision to assets | 0.0831% | 4,959 |
| Net operating income to assets | 0.2136% | 5,745 |
| Return on assets (ROA) | 0.2136% | 5,807 |
| Pretax return on assets | 0.2136% | 5,908 |
| Return on Equity (ROE) | 1.3647% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.3647% | 5,282 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1540% | 1,404 |
| Assets per employee ($millions) | 10.0209% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 16.7223% | 7,462 |
| Net loans and leases to deposits | 36.3079% | 7,219 |
| Net loans and leases to core deposits | 39.1875% | 7,184 |
| Total domestic deposits to total assets | 46.0568% | 7,496 |
| Equity capital to assets | 15.2439% | 716 |
| Core capital (leverage) ratio | 17.7143% | 347 |
| Tier 1 risk-based capital ratio | 58.2026% | 112 |
| Total risk-based capital ratio | 58.8702% | 111 |
| Memoranda: | ||
| Average total assets | $67,421,500 | 5,951 |
| Average earning assets | $64,057,000 | 5,861 |
| Average equity | $10,551,500 | 4,907 |
| Average total loans | $10,736,000 | 7,290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 7,290 |
| Cost of funding earning assets | 1.0636% | 5,345 |
| Net interest margin | 2.6694% | 7,150 |
| Noninterest income to average assets | 0.0456% | 7,126 |
| Noninterest expense to average assets | 2.5513% | 5,609 |
| Loan and lease loss provision to assets | 0.0927% | 6,211 |
| Net operating income to assets | -0.0748% | 5,956 |
| Return on assets (ROA) | 1.0722% | 1,884 |
| Pretax return on assets | 1.0722% | 2,694 |
| Return on Equity (ROE) | 5.4533% | 3,862 |
| Retained earnings to average equity (ytd only) | 2.5322% | 4,099 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3034% | 807 |
| Assets per employee ($millions) | 10.7828% | 208 |
| Cash dividends to net income (ytd only)* | 53.5660% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 4,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 14.6375% | 7,564 |
| Net loans and leases to deposits | 38.8529% | 7,287 |
| Net loans and leases to core deposits | 40.6368% | 7,290 |
| Total domestic deposits to total assets | 37.6741% | 7,588 |
| Equity capital to assets | 16.0904% | 572 |
| Core capital (leverage) ratio | 18.6591% | 294 |
| Tier 1 risk-based capital ratio | 62.9581% | 95 |
| Total risk-based capital ratio | 63.6119% | 96 |
| Memoranda: | ||
| Average total assets | $61,459,600 | 6,149 |
| Average earning assets | $58,103,200 | 6,061 |
| Average equity | $12,084,400 | 4,579 |
| Average total loans | $7,640,200 | 7,478 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 7,429 |
| Cost of funding earning assets | 1.1137% | 5,357 |
| Net interest margin | 2.6398% | 7,284 |
| Noninterest income to average assets | 0.0484% | 7,279 |
| Noninterest expense to average assets | 2.5545% | 5,489 |
| Loan and lease loss provision to assets | 0.0594% | 6,474 |
| Net operating income to assets | -0.0747% | 6,152 |
| Return on assets (ROA) | 1.4751% | 1,042 |
| Pretax return on assets | 1.4751% | 1,667 |
| Return on Equity (ROE) | 7.1554% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.1554% | 1,777 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6061% | 723 |
| Assets per employee ($millions) | 9.1066% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 13.1851% | 7,673 |
| Net loans and leases to deposits | 34.9771% | 7,492 |
| Net loans and leases to core deposits | 37.8382% | 7,463 |
| Total domestic deposits to total assets | 37.6965% | 7,690 |
| Equity capital to assets | 19.7487% | 300 |
| Core capital (leverage) ratio | 20.1060% | 247 |
| Tier 1 risk-based capital ratio | 71.6834% | 79 |
| Total risk-based capital ratio | 72.2387% | 81 |
| Memoranda: | ||
| Average total assets | $60,650,250 | 6,242 |
| Average earning assets | $57,224,750 | 6,155 |
| Average equity | $12,503,000 | 4,548 |
| Average total loans | $7,150,500 | 7,590 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 7,396 |
| Cost of funding earning assets | 1.0885% | 5,744 |
| Net interest margin | 2.8661% | 7,059 |
| Noninterest income to average assets | 0.0403% | 7,379 |
| Noninterest expense to average assets | 2.5361% | 5,586 |
| Loan and lease loss provision to assets | 0.0906% | 6,019 |
| Net operating income to assets | 0.1342% | 5,775 |
| Return on assets (ROA) | 0.4260% | 4,793 |
| Pretax return on assets | 0.4260% | 5,133 |
| Return on Equity (ROE) | 2.0362% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.0362% | 4,844 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8591% | 1,198 |
| Assets per employee ($millions) | 10.0485% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 5,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 12.9207% | 7,743 |
| Net loans and leases to deposits | 35.5221% | 7,541 |
| Net loans and leases to core deposits | 36.0398% | 7,570 |
| Total domestic deposits to total assets | 36.3736% | 7,760 |
| Equity capital to assets | 21.5919% | 219 |
| Core capital (leverage) ratio | 20.2786% | 232 |
| Tier 1 risk-based capital ratio | 72.1799% | 81 |
| Total risk-based capital ratio | 72.7643% | 80 |
| Memoranda: | ||
| Average total assets | $59,618,330 | 6,323 |
| Average earning assets | $56,592,000 | 6,217 |
| Average equity | $12,474,330 | 4,558 |
| Average total loans | $6,699,330 | 7,667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 7,475 |
| Cost of funding earning assets | 1.1033% | 5,893 |
| Net interest margin | 2.8756% | 7,061 |
| Noninterest income to average assets | 0.0405% | 7,515 |
| Noninterest expense to average assets | 2.5370% | 5,590 |
| Loan and lease loss provision to assets | 0.0675% | 5,960 |
| Net operating income to assets | 0.1619% | 5,818 |
| Return on assets (ROA) | 0.1619% | 5,942 |
| Pretax return on assets | 0.1619% | 5,990 |
| Return on Equity (ROE) | 0.7867% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.7867% | 5,506 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7073% | 1,298 |
| Assets per employee ($millions) | 9.7183% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 11.1542% | 7,856 |
| Net loans and leases to deposits | 32.1074% | 7,693 |
| Net loans and leases to core deposits | 34.7213% | 7,674 |
| Total domestic deposits to total assets | 34.7402% | 7,866 |
| Equity capital to assets | 21.3137% | 233 |
| Core capital (leverage) ratio | 19.7683% | 266 |
| Tier 1 risk-based capital ratio | 72.7704% | 74 |
| Total risk-based capital ratio | 73.2629% | 75 |
| Memoranda: | ||
| Average total assets | $59,282,000 | 6,415 |
| Average earning assets | $56,197,500 | 6,317 |
| Average equity | $12,202,500 | 4,663 |
| Average total loans | $6,104,500 | 7,790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 7,770 |
| Cost of funding earning assets | 1.4740% | 5,619 |
| Net interest margin | 2.2898% | 7,604 |
| Noninterest income to average assets | 0.0330% | 7,578 |
| Noninterest expense to average assets | 2.2172% | 6,949 |
| Loan and lease loss provision to assets | 0.0295% | 7,228 |
| Net operating income to assets | -0.0468% | 5,576 |
| Return on assets (ROA) | 1.8494% | 330 |
| Pretax return on assets | 1.8494% | 571 |
| Return on Equity (ROE) | 8.9023% | 2,058 |
| Retained earnings to average equity (ytd only) | 8.9023% | 511 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7886% | 1,068 |
| Assets per employee ($millions) | 10.0423% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 9.2127% | 7,936 |
| Net loans and leases to deposits | 27.4354% | 7,846 |
| Net loans and leases to core deposits | 32.5343% | 7,851 |
| Total domestic deposits to total assets | 33.5795% | 7,944 |
| Equity capital to assets | 19.8775% | 305 |
| Core capital (leverage) ratio | 18.7294% | 351 |
| Tier 1 risk-based capital ratio | 72.7470% | 84 |
| Total risk-based capital ratio | 73.1804% | 84 |
| Memoranda: | ||
| Average total assets | $57,639,400 | 6,443 |
| Average earning assets | $54,546,400 | 6,354 |
| Average equity | $11,974,400 | 4,755 |
| Average total loans | $5,026,200 | 7,890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 7,903 |
| Cost of funding earning assets | 1.5419% | 5,664 |
| Net interest margin | 2.1235% | 7,750 |
| Noninterest income to average assets | 0.0304% | 7,731 |
| Noninterest expense to average assets | 2.1549% | 7,093 |
| Loan and lease loss provision to assets | 0.0047% | 7,268 |
| Net operating income to assets | -0.1217% | 5,924 |
| Return on assets (ROA) | 1.6682% | 635 |
| Pretax return on assets | 1.6682% | 1,028 |
| Return on Equity (ROE) | 7.9394% | 2,661 |
| Retained earnings to average equity (ytd only) | 7.9394% | 1,155 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7405% | 863 |
| Assets per employee ($millions) | 13.0154% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 5,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 8.0105% | 8,025 |
| Net loans and leases to deposits | 18.9667% | 8,003 |
| Net loans and leases to core deposits | 21.0024% | 7,996 |
| Total domestic deposits to total assets | 42.2346% | 8,009 |
| Equity capital to assets | 18.8131% | 432 |
| Core capital (leverage) ratio | 19.2217% | 363 |
| Tier 1 risk-based capital ratio | 68.3839% | 98 |
| Total risk-based capital ratio | 68.7106% | 99 |
| Memoranda: | ||
| Average total assets | $56,985,750 | 6,505 |
| Average earning assets | $53,871,250 | 6,426 |
| Average equity | $11,973,750 | 4,801 |
| Average total loans | $4,877,000 | 7,972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 7,963 |
| Cost of funding earning assets | 1.7120% | 5,213 |
| Net interest margin | 2.1067% | 7,807 |
| Noninterest income to average assets | 0.0295% | 7,839 |
| Noninterest expense to average assets | 2.2178% | 7,013 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2026% | 6,192 |
| Return on assets (ROA) | 2.6156% | 101 |
| Pretax return on assets | 2.6156% | 169 |
| Return on Equity (ROE) | 11.9488% | 1,424 |
| Retained earnings to average equity (ytd only) | 11.9488% | 452 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0548% | 850 |
| Assets per employee ($millions) | 11.5108% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 4,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 7.6259% | 8,114 |
| Net loans and leases to deposits | 21.3017% | 8,074 |
| Net loans and leases to core deposits | 23.7436% | 8,068 |
| Total domestic deposits to total assets | 35.7994% | 8,111 |
| Equity capital to assets | 20.1480% | 372 |
| Core capital (leverage) ratio | 20.6146% | 334 |
| Tier 1 risk-based capital ratio | 78.0644% | 86 |
| Total risk-based capital ratio | 78.4310% | 86 |
| Memoranda: | ||
| Average total assets | $54,288,670 | 6,667 |
| Average earning assets | $51,169,000 | 6,587 |
| Average equity | $11,884,000 | 4,846 |
| Average total loans | $4,746,330 | 8,064 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 7,897 |
| Cost of funding earning assets | 1.7826% | 5,193 |
| Net interest margin | 2.4411% | 7,571 |
| Noninterest income to average assets | 0.0152% | 7,998 |
| Noninterest expense to average assets | 2.1878% | 6,902 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1367% | 5,868 |
| Return on assets (ROA) | 3.6767% | 45 |
| Pretax return on assets | 3.6767% | 70 |
| Return on Equity (ROE) | 16.0958% | 804 |
| Retained earnings to average equity (ytd only) | 16.0958% | 330 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 1,425 |
| Assets per employee ($millions) | 11.4072% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 7.9564% | 8,167 |
| Net loans and leases to deposits | 23.2849% | 8,112 |
| Net loans and leases to core deposits | 25.6210% | 8,113 |
| Total domestic deposits to total assets | 34.1696% | 8,160 |
| Equity capital to assets | 21.3935% | 340 |
| Core capital (leverage) ratio | 20.9909% | 352 |
| Tier 1 risk-based capital ratio | 77.3539% | 92 |
| Total risk-based capital ratio | 77.7246% | 93 |
| Memoranda: | ||
| Average total assets | $52,656,000 | 6,753 |
| Average earning assets | $49,813,500 | 6,669 |
| Average equity | $12,028,000 | 4,827 |
| Average total loans | $4,897,500 | 8,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 7,873 |
| Cost of funding earning assets | 1.9758% | 6,493 |
| Net interest margin | 2.9667% | 6,995 |
| Noninterest income to average assets | 0.0563% | 7,859 |
| Noninterest expense to average assets | 3.7979% | 1,758 |
| Loan and lease loss provision to assets | 0.1547% | 5,383 |
| Net operating income to assets | -1.1253% | 7,306 |
| Return on assets (ROA) | -1.0381% | 7,189 |
| Pretax return on assets | -1.0381% | 7,019 |
| Return on Equity (ROE) | -3.3200% | 6,661 |
| Retained earnings to average equity (ytd only) | -3.3200% | 6,183 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.3284% | 435 |
| Assets per employee ($millions) | 6.8966% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 10.6616% | 8,213 |
| Net loans and leases to deposits | 58.8767% | 7,155 |
| Net loans and leases to core deposits | 67.9472% | 7,288 |
| Total domestic deposits to total assets | 18.1084% | 8,243 |
| Equity capital to assets | 24.5546% | 274 |
| Core capital (leverage) ratio | 22.4622% | 322 |
| Tier 1 risk-based capital ratio | 83.2689% | 97 |
| Total risk-based capital ratio | 83.6858% | 97 |
| Memoranda: | ||
| Average total assets | $35,545,800 | 7,404 |
| Average earning assets | $33,201,800 | 7,368 |
| Average equity | $11,114,600 | 5,095 |
| Average total loans | $2,818,000 | 8,221 |