Home > Community Savings > Performance and Condition Ratios
Community Savings, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7504% | 162 |
| Cost of funding earning assets | 3.1807% | 214 |
| Net interest margin | 4.5697% | 562 |
| Noninterest income to average assets | 1.2400% | 425 |
| Noninterest expense to average assets | 3.9135% | 399 |
| Loan and lease loss provision to assets | 0.4500% | 212 |
| Net operating income to assets | 0.9930% | 2,288 |
| Return on assets (ROA) | 0.9930% | 2,288 |
| Pretax return on assets | 1.2569% | 2,092 |
| Return on Equity (ROE) | 8.2800% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.2804% | 1,617 |
| Net charge-offs to loans | -0.0018% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.3724% | 1,894 |
| Assets per employee ($millions) | 4.9816% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,425 |
| Loan loss allowance to noncurrent loans | 148.1678% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 1,235 |
| Noncurrent loans to loans | 0.7813% | 1,329 |
| Net loans and leases to total assets | 76.7300% | 984 |
| Net loans and leases to deposits | 97.9239% | 502 |
| Net loans and leases to core deposits | 115.8148% | 667 |
| Total domestic deposits to total assets | 78.3600% | 3,773 |
| Equity capital to assets | 11.9279% | 1,262 |
| Core capital (leverage) ratio | 10.8590% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $274,329,000 | 2,604 |
| Average earning assets | $263,211,500 | 2,562 |
| Average equity | $32,897,000 | 2,316 |
| Average total loans | $222,407,500 | 2,272 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0392% | 156 |
| Cost of funding earning assets | 2.9061% | 591 |
| Net interest margin | 5.1331% | 280 |
| Noninterest income to average assets | 1.3800% | 379 |
| Noninterest expense to average assets | 4.7681% | 261 |
| Loan and lease loss provision to assets | 0.5300% | 189 |
| Net operating income to assets | 0.6564% | 3,089 |
| Return on assets (ROA) | 0.6564% | 3,113 |
| Pretax return on assets | 0.8294% | 2,983 |
| Return on Equity (ROE) | 4.9300% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.9275% | 2,262 |
| Net charge-offs to loans | 0.0142% | 2,396 |
| Credit loss provision to net charge-offs | 4,834.7826% | 111 |
| Earnings coverage of net charge-offs (x) | 123.3913% | 699 |
| Efficiency ratio | 77.4861% | 1,249 |
| Assets per employee ($millions) | 4.5710% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,418 |
| Loan loss allowance to noncurrent loans | 159.3614% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 1,397 |
| Noncurrent loans to loans | 0.6037% | 1,595 |
| Net loans and leases to total assets | 83.8200% | 291 |
| Net loans and leases to deposits | 114.0741% | 119 |
| Net loans and leases to core deposits | 132.3221% | 338 |
| Total domestic deposits to total assets | 73.4800% | 4,084 |
| Equity capital to assets | 12.0579% | 1,162 |
| Core capital (leverage) ratio | 11.7985% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $208,114,200 | 2,946 |
| Average earning assets | $192,456,000 | 2,940 |
| Average equity | $27,721,800 | 2,487 |
| Average total loans | $162,224,000 | 2,640 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1574% | 147 |
| Cost of funding earning assets | 2.8002% | 705 |
| Net interest margin | 5.3571% | 220 |
| Noninterest income to average assets | 1.5800% | 329 |
| Noninterest expense to average assets | 5.0545% | 228 |
| Loan and lease loss provision to assets | 0.6000% | 135 |
| Net operating income to assets | 0.6455% | 3,100 |
| Return on assets (ROA) | 0.6455% | 3,120 |
| Pretax return on assets | 0.8150% | 2,999 |
| Return on Equity (ROE) | 4.6900% | 3,595 |
| Retained earnings to average equity (ytd only) | 4.6902% | 2,583 |
| Net charge-offs to loans | 0.0220% | 1,922 |
| Credit loss provision to net charge-offs | 3,591.6667% | 140 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 888 |
| Efficiency ratio | 77.9050% | 1,231 |
| Assets per employee ($millions) | 4.1037% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,187 |
| Loan loss allowance to noncurrent loans | 165.2506% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,439 |
| Noncurrent loans to loans | 0.6124% | 1,560 |
| Net loans and leases to total assets | 78.5700% | 812 |
| Net loans and leases to deposits | 102.0273% | 399 |
| Net loans and leases to core deposits | 122.4644% | 540 |
| Total domestic deposits to total assets | 77.0100% | 3,839 |
| Equity capital to assets | 12.0755% | 1,257 |
| Core capital (leverage) ratio | 11.4057% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $192,720,250 | 3,041 |
| Average earning assets | $175,935,000 | 3,055 |
| Average equity | $26,522,500 | 2,542 |
| Average total loans | $145,715,250 | 2,760 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0031% | 158 |
| Cost of funding earning assets | 2.4490% | 1,171 |
| Net interest margin | 5.5541% | 180 |
| Noninterest income to average assets | 1.3500% | 395 |
| Noninterest expense to average assets | 5.4887% | 189 |
| Loan and lease loss provision to assets | 0.5800% | 136 |
| Net operating income to assets | 0.3699% | 3,723 |
| Return on assets (ROA) | 0.3699% | 3,759 |
| Pretax return on assets | 0.4641% | 3,698 |
| Return on Equity (ROE) | 2.5500% | 3,946 |
| Retained earnings to average equity (ytd only) | 2.5451% | 3,165 |
| Net charge-offs to loans | 0.0169% | 1,834 |
| Credit loss provision to net charge-offs | 4,654.5455% | 116 |
| Earnings coverage of net charge-offs (x) | 83.7273% | 851 |
| Efficiency ratio | 84.0049% | 859 |
| Assets per employee ($millions) | 3.8473% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 2,940 |
| Loan loss allowance to noncurrent loans | 136.2712% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 1,248 |
| Noncurrent loans to loans | 0.7850% | 1,188 |
| Net loans and leases to total assets | 69.0200% | 2,018 |
| Net loans and leases to deposits | 84.7299% | 1,767 |
| Net loans and leases to core deposits | 105.2635% | 1,185 |
| Total domestic deposits to total assets | 81.4600% | 3,190 |
| Equity capital to assets | 13.2151% | 820 |
| Core capital (leverage) ratio | 13.5309% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $176,254,000 | 3,159 |
| Average earning assets | $164,636,000 | 3,143 |
| Average equity | $25,617,667 | 2,563 |
| Average total loans | $130,227,000 | 2,902 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6639% | 116 |
| Cost of funding earning assets | 2.1777% | 1,601 |
| Net interest margin | 6.4862% | 81 |
| Noninterest income to average assets | 1.7200% | 284 |
| Noninterest expense to average assets | 6.6132% | 154 |
| Loan and lease loss provision to assets | 0.5900% | 133 |
| Net operating income to assets | 0.4213% | 3,561 |
| Return on assets (ROA) | 0.4213% | 3,579 |
| Pretax return on assets | 0.5285% | 3,520 |
| Return on Equity (ROE) | 2.7300% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.7283% | 3,059 |
| Net charge-offs to loans | 0.0366% | 1,176 |
| Credit loss provision to net charge-offs | 2,100.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 39.8182% | 1,066 |
| Efficiency ratio | 85.5350% | 805 |
| Assets per employee ($millions) | 3.5655% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,053 |
| Loan loss allowance to noncurrent loans | 102.7090% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 798 |
| Noncurrent loans to loans | 1.0224% | 845 |
| Net loans and leases to total assets | 73.0600% | 1,454 |
| Net loans and leases to deposits | 92.2129% | 1,021 |
| Net loans and leases to core deposits | 108.2056% | 1,018 |
| Total domestic deposits to total assets | 79.2300% | 3,640 |
| Equity capital to assets | 14.1805% | 652 |
| Core capital (leverage) ratio | 13.5320% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $156,655,500 | 3,322 |
| Average earning assets | $145,108,000 | 3,314 |
| Average equity | $24,190,500 | 2,650 |
| Average total loans | $120,180,500 | 2,989 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9559% | 233 |
| Cost of funding earning assets | 0.6650% | 3,979 |
| Net interest margin | 6.2910% | 91 |
| Noninterest income to average assets | 1.5100% | 383 |
| Noninterest expense to average assets | 6.5517% | 158 |
| Loan and lease loss provision to assets | 0.4400% | 217 |
| Net operating income to assets | 0.2480% | 4,099 |
| Return on assets (ROA) | 0.2480% | 4,107 |
| Pretax return on assets | 0.3060% | 4,086 |
| Return on Equity (ROE) | 1.2900% | 4,232 |
| Retained earnings to average equity (ytd only) | 1.2942% | 3,759 |
| Net charge-offs to loans | 0.0911% | 969 |
| Credit loss provision to net charge-offs | 809.0909% | 482 |
| Earnings coverage of net charge-offs (x) | 13.7727% | 2,100 |
| Efficiency ratio | 89.8311% | 414 |
| Assets per employee ($millions) | 2.7876% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,453 |
| Loan loss allowance to noncurrent loans | 48.4040% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.6087% | 223 |
| Noncurrent loans to loans | 2.0062% | 276 |
| Net loans and leases to total assets | 79.4100% | 715 |
| Net loans and leases to deposits | 100.8640% | 491 |
| Net loans and leases to core deposits | 114.1502% | 812 |
| Total domestic deposits to total assets | 78.7300% | 3,645 |
| Equity capital to assets | 16.9602% | 390 |
| Core capital (leverage) ratio | 16.5098% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,564,400 | 3,629 |
| Average earning assets | $112,637,800 | 3,620 |
| Average equity | $23,488,600 | 2,596 |
| Average total loans | $72,459,800 | 3,517 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6686% | 258 |
| Cost of funding earning assets | 0.4428% | 4,210 |
| Net interest margin | 6.2259% | 87 |
| Noninterest income to average assets | 1.5500% | 378 |
| Noninterest expense to average assets | 6.5870% | 159 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.3807% | 3,998 |
| Return on assets (ROA) | 0.3807% | 3,996 |
| Pretax return on assets | 0.4725% | 3,950 |
| Return on Equity (ROE) | 1.9200% | 4,203 |
| Retained earnings to average equity (ytd only) | 1.9200% | 3,740 |
| Net charge-offs to loans | 0.0773% | 942 |
| Credit loss provision to net charge-offs | 475.0000% | 663 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,936 |
| Efficiency ratio | 90.8139% | 352 |
| Assets per employee ($millions) | 2.6077% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 3,687 |
| Loan loss allowance to noncurrent loans | 356.6820% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 2,401 |
| Noncurrent loans to loans | 0.2557% | 2,322 |
| Net loans and leases to total assets | 68.6100% | 1,985 |
| Net loans and leases to deposits | 86.4433% | 1,518 |
| Net loans and leases to core deposits | 90.4997% | 1,900 |
| Total domestic deposits to total assets | 79.3700% | 3,625 |
| Equity capital to assets | 19.6444% | 293 |
| Core capital (leverage) ratio | 17.6254% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,663,500 | 3,680 |
| Average earning assets | $107,805,500 | 3,677 |
| Average equity | $23,332,750 | 2,602 |
| Average total loans | $62,075,500 | 3,685 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 199.0000% | 42 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 342.0000% | 39 |
| Cost of funding earning assets | 41.0000% | 19 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,594 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.2310% | 4,269 |
| Pretax return on assets | 0.2810% | 4,250 |
| Return on Equity (ROE) | 1.1600% | 4,356 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.7411% | 4,626 |
| Assets per employee ($millions) | 0.4148% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 15,279.0000% | 6 |
| Equity capital to assets | 508,884.0000% | 2 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $27,406,000 | 4,534 |
| Average earning assets | $7,651 | 4,615 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7368% | 454 |
| Cost of funding earning assets | 0.2115% | 4,358 |
| Net interest margin | 5.5253% | 145 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 6.5973% | 159 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | -0.2144% | 4,556 |
| Return on assets (ROA) | -0.2144% | 4,543 |
| Pretax return on assets | -0.2697% | 4,538 |
| Return on Equity (ROE) | -1.1000% | 4,488 |
| Retained earnings to average equity (ytd only) | -1.1041% | 4,137 |
| Net charge-offs to loans | 0.2418% | 317 |
| Credit loss provision to net charge-offs | 65.5172% | 1,260 |
| Earnings coverage of net charge-offs (x) | -2.0345% | 4,649 |
| Efficiency ratio | 103.1909% | 142 |
| Assets per employee ($millions) | 2.6773% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1264% | 4,570 |
| Loan loss allowance to noncurrent loans | 14.5161% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 1,369 |
| Noncurrent loans to loans | 0.8707% | 867 |
| Net loans and leases to total assets | 43.2400% | 3,898 |
| Net loans and leases to deposits | 55.4150% | 3,604 |
| Net loans and leases to core deposits | 56.9844% | 3,693 |
| Total domestic deposits to total assets | 78.0300% | 4,007 |
| Equity capital to assets | 20.9948% | 209 |
| Core capital (leverage) ratio | 18.5332% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $115,683,000 | 3,763 |
| Average earning assets | $105,913,500 | 3,762 |
| Average equity | $22,462,000 | 2,685 |
| Average total loans | $47,970,000 | 3,935 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5431% | 2,962 |
| Cost of funding earning assets | 0.1666% | 4,018 |
| Net interest margin | 3.3765% | 2,331 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 5.3710% | 192 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | -1.6208% | 4,682 |
| Return on assets (ROA) | -1.6208% | 4,678 |
| Pretax return on assets | -1.8722% | 4,676 |
| Return on Equity (ROE) | -9.4300% | 4,656 |
| Retained earnings to average equity (ytd only) | -9.4301% | 4,627 |
| Net charge-offs to loans | 0.0393% | 1,310 |
| Credit loss provision to net charge-offs | 556.2500% | 637 |
| Earnings coverage of net charge-offs (x) | -116.8125% | 4,719 |
| Efficiency ratio | 149.8666% | 38 |
| Assets per employee ($millions) | 2.4732% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1584% | 4,585 |
| Loan loss allowance to noncurrent loans | 17.4224% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 1,420 |
| Noncurrent loans to loans | 0.9090% | 816 |
| Net loans and leases to total assets | 39.5900% | 4,078 |
| Net loans and leases to deposits | 48.4463% | 3,960 |
| Net loans and leases to core deposits | 49.7095% | 3,987 |
| Total domestic deposits to total assets | 81.7200% | 3,658 |
| Equity capital to assets | 17.8541% | 301 |
| Core capital (leverage) ratio | 15.2844% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $104,580,400 | 3,891 |
| Average earning assets | $94,210,200 | 3,895 |
| Average equity | $17,974,400 | 3,121 |
| Average total loans | $40,718,200 | 4,055 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1048% | 3,669 |
| Cost of funding earning assets | 0.1492% | 3,849 |
| Net interest margin | 2.9555% | 3,343 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 5.0623% | 211 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | -1.5410% | 4,720 |
| Return on assets (ROA) | -1.5410% | 4,714 |
| Pretax return on assets | -1.9554% | 4,720 |
| Return on Equity (ROE) | -9.0700% | 4,694 |
| Retained earnings to average equity (ytd only) | -9.0664% | 4,665 |
| Net charge-offs to loans | 0.0508% | 973 |
| Credit loss provision to net charge-offs | 373.3333% | 734 |
| Earnings coverage of net charge-offs (x) | -95.6667% | 4,756 |
| Efficiency ratio | 159.1753% | 37 |
| Assets per employee ($millions) | 3.3553% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0983% | 4,639 |
| Loan loss allowance to noncurrent loans | 8.0709% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 1,213 |
| Noncurrent loans to loans | 1.2182% | 603 |
| Net loans and leases to total assets | 36.5200% | 4,204 |
| Net loans and leases to deposits | 44.0207% | 4,111 |
| Net loans and leases to core deposits | 45.0480% | 4,144 |
| Total domestic deposits to total assets | 82.9500% | 3,698 |
| Equity capital to assets | 16.7295% | 334 |
| Core capital (leverage) ratio | 13.9834% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $101,665,000 | 3,935 |
| Average earning assets | $91,126,500 | 3,946 |
| Average equity | $17,279,500 | 3,217 |
| Average total loans | $39,373,750 | 4,095 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9333% | 3,714 |
| Cost of funding earning assets | 0.1133% | 4,039 |
| Net interest margin | 2.8200% | 3,380 |
| Noninterest income to average assets | 0.5147% | 2,116 |
| Noninterest expense to average assets | 4.9115% | 176 |
| Loan and lease loss provision to assets | 0.0902% | 1,096 |
| Net operating income to assets | -1.5626% | 4,730 |
| Return on assets (ROA) | -1.5626% | 4,724 |
| Pretax return on assets | -1.9851% | 4,726 |
| Return on Equity (ROE) | -9.1380% | 4,718 |
| Retained earnings to average equity (ytd only) | -9.1380% | 4,644 |
| Net charge-offs to loans | 0.0777% | 690 |
| Credit loss provision to net charge-offs | 293.3333% | 808 |
| Earnings coverage of net charge-offs (x) | -61.6000% | 2,147 |
| Efficiency ratio | 162.8144% | 32 |
| Assets per employee ($millions) | 4.2850% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0728% | 4,710 |
| Loan loss allowance to noncurrent loans | 9.1772% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 1,886 |
| Noncurrent loans to loans | 0.7930% | 1,082 |
| Net loans and leases to total assets | 35.7413% | 4,258 |
| Net loans and leases to deposits | 43.4933% | 4,131 |
| Net loans and leases to core deposits | 44.3903% | 4,177 |
| Total domestic deposits to total assets | 82.1765% | 3,982 |
| Equity capital to assets | 17.5165% | 250 |
| Core capital (leverage) ratio | 14.4417% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,526,667 | 4,015 |
| Average earning assets | $86,523,333 | 4,042 |
| Average equity | $16,677,667 | 3,343 |
| Average total loans | $38,598,333 | 4,162 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5083% | 4,258 |
| Cost of funding earning assets | 0.1730% | 3,183 |
| Net interest margin | 2.3353% | 4,178 |
| Noninterest income to average assets | 0.7551% | 1,160 |
| Noninterest expense to average assets | 4.7955% | 184 |
| Loan and lease loss provision to assets | 0.0795% | 1,034 |
| Net operating income to assets | -1.6559% | 4,756 |
| Return on assets (ROA) | -1.6559% | 4,754 |
| Pretax return on assets | -2.0931% | 4,762 |
| Return on Equity (ROE) | -9.8303% | 4,741 |
| Retained earnings to average equity (ytd only) | -9.8303% | 4,557 |
| Net charge-offs to loans | 0.1580% | 375 |
| Credit loss provision to net charge-offs | 120.0000% | 934 |
| Earnings coverage of net charge-offs (x) | -30.4000% | 1,822 |
| Efficiency ratio | 172.3810% | 30 |
| Assets per employee ($millions) | 4.8963% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0076% | 4,746 |
| Loan loss allowance to noncurrent loans | 0.4511% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 999 |
| Noncurrent loans to loans | 1.6841% | 466 |
| Net loans and leases to total assets | 35.0619% | 4,262 |
| Net loans and leases to deposits | 40.5373% | 4,226 |
| Net loans and leases to core deposits | 41.0917% | 4,274 |
| Total domestic deposits to total assets | 86.4929% | 3,105 |
| Equity capital to assets | 13.3677% | 629 |
| Core capital (leverage) ratio | 11.9099% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9886% | 158 |
| Memoranda: | ||
| Average total assets | $90,585,500 | 4,090 |
| Average earning assets | $78,618,500 | 4,153 |
| Average equity | $15,259,000 | 3,539 |
| Average total loans | $37,973,500 | 4,191 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 970 |
| Cost of funding earning assets | 0.4737% | 1,042 |
| Net interest margin | 3.7399% | 1,120 |
| Noninterest income to average assets | 1.7826% | 370 |
| Noninterest expense to average assets | 6.1529% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.7298% | 4,778 |
| Return on assets (ROA) | -0.7298% | 4,781 |
| Pretax return on assets | -1.2627% | 4,794 |
| Return on Equity (ROE) | -4.7785% | 4,775 |
| Retained earnings to average equity (ytd only) | -4.7785% | 4,704 |
| Net charge-offs to loans | -0.0205% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8216% | 59 |
| Assets per employee ($millions) | 4.0327% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 574 |
| Noncurrent loans to loans | 1.8514% | 443 |
| Net loans and leases to total assets | 53.1813% | 2,943 |
| Net loans and leases to deposits | 69.1809% | 2,205 |
| Net loans and leases to core deposits | 70.9416% | 2,362 |
| Total domestic deposits to total assets | 76.8729% | 4,468 |
| Equity capital to assets | 22.5567% | 118 |
| Core capital (leverage) ratio | 20.7994% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9583% | 131 |
| Memoranda: | ||
| Average total assets | $60,979,200 | 4,444 |
| Average earning assets | $50,669,600 | 4,499 |
| Average equity | $9,312,600 | 4,208 |
| Average total loans | $39,075,200 | 4,214 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 714 |
| Cost of funding earning assets | 0.4887% | 1,107 |
| Net interest margin | 3.9769% | 827 |
| Noninterest income to average assets | 1.9700% | 361 |
| Noninterest expense to average assets | 4.4206% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9387% | 3,127 |
| Return on assets (ROA) | 0.9387% | 3,209 |
| Pretax return on assets | 0.8913% | 3,714 |
| Return on Equity (ROE) | 7.1340% | 3,635 |
| Retained earnings to average equity (ytd only) | 7.1340% | 2,361 |
| Net charge-offs to loans | -0.0268% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2201% | 563 |
| Assets per employee ($millions) | 3.5526% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 4,369 |
| Loan loss allowance to noncurrent loans | 43.1343% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1094% | 569 |
| Noncurrent loans to loans | 1.8196% | 524 |
| Net loans and leases to total assets | 60.4895% | 2,197 |
| Net loans and leases to deposits | 71.6496% | 2,090 |
| Net loans and leases to core deposits | 74.3503% | 2,200 |
| Total domestic deposits to total assets | 84.4239% | 3,329 |
| Equity capital to assets | 13.3225% | 897 |
| Core capital (leverage) ratio | 13.0480% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3038% | 209 |
| Memoranda: | ||
| Average total assets | $59,085,000 | 4,522 |
| Average earning assets | $49,651,750 | 4,572 |
| Average equity | $7,774,750 | 4,415 |
| Average total loans | $39,729,250 | 4,246 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 727 |
| Cost of funding earning assets | 0.4811% | 1,313 |
| Net interest margin | 4.0172% | 794 |
| Noninterest income to average assets | 1.8347% | 376 |
| Noninterest expense to average assets | 4.5287% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8150% | 3,465 |
| Return on assets (ROA) | 0.8150% | 3,539 |
| Pretax return on assets | 0.7229% | 4,021 |
| Return on Equity (ROE) | 6.2204% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.2204% | 2,719 |
| Net charge-offs to loans | -0.0393% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2338% | 463 |
| Assets per employee ($millions) | 3.5652% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 4,486 |
| Loan loss allowance to noncurrent loans | 39.5349% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 563 |
| Noncurrent loans to loans | 1.8412% | 557 |
| Net loans and leases to total assets | 65.0310% | 1,824 |
| Net loans and leases to deposits | 76.7571% | 1,746 |
| Net loans and leases to core deposits | 79.6130% | 1,917 |
| Total domestic deposits to total assets | 84.7231% | 3,209 |
| Equity capital to assets | 12.9504% | 964 |
| Core capital (leverage) ratio | 12.8083% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7186% | 232 |
| Memoranda: | ||
| Average total assets | $58,648,667 | 4,554 |
| Average earning assets | $49,886,000 | 4,601 |
| Average equity | $7,684,333 | 4,451 |
| Average total loans | $40,698,667 | 4,265 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 709 |
| Cost of funding earning assets | 0.4774% | 1,543 |
| Net interest margin | 4.0860% | 733 |
| Noninterest income to average assets | 1.7271% | 478 |
| Noninterest expense to average assets | 4.6888% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5549% | 4,058 |
| Return on assets (ROA) | 0.5549% | 4,099 |
| Pretax return on assets | 0.5410% | 4,291 |
| Return on Equity (ROE) | 4.2094% | 4,245 |
| Retained earnings to average equity (ytd only) | 4.2094% | 3,444 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6552% | 377 |
| Assets per employee ($millions) | 3.5110% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 4,564 |
| Loan loss allowance to noncurrent loans | 37.9730% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 591 |
| Noncurrent loans to loans | 1.8540% | 612 |
| Net loans and leases to total assets | 66.4014% | 1,746 |
| Net loans and leases to deposits | 78.1947% | 1,699 |
| Net loans and leases to core deposits | 81.1271% | 1,898 |
| Total domestic deposits to total assets | 84.9180% | 3,132 |
| Equity capital to assets | 12.8336% | 964 |
| Core capital (leverage) ratio | 13.1544% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3597% | 249 |
| Memoranda: | ||
| Average total assets | $57,669,000 | 4,588 |
| Average earning assets | $49,437,000 | 4,629 |
| Average equity | $7,602,000 | 4,475 |
| Average total loans | $41,196,500 | 4,275 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 881 |
| Cost of funding earning assets | 0.4707% | 3,148 |
| Net interest margin | 4.2381% | 579 |
| Noninterest income to average assets | 1.0308% | 993 |
| Noninterest expense to average assets | 4.5868% | 241 |
| Loan and lease loss provision to assets | 0.0567% | 3,661 |
| Net operating income to assets | 0.2223% | 4,545 |
| Return on assets (ROA) | 0.2383% | 4,586 |
| Pretax return on assets | 0.2535% | 4,601 |
| Return on Equity (ROE) | 1.7041% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.7041% | 3,950 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9922% | 268 |
| Assets per employee ($millions) | 3.2736% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 4,652 |
| Loan loss allowance to noncurrent loans | 38.7052% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.3046% | 616 |
| Noncurrent loans to loans | 1.7091% | 741 |
| Net loans and leases to total assets | 75.8261% | 807 |
| Net loans and leases to deposits | 90.2998% | 907 |
| Net loans and leases to core deposits | 93.4556% | 1,276 |
| Total domestic deposits to total assets | 83.9715% | 3,120 |
| Equity capital to assets | 13.5559% | 918 |
| Core capital (leverage) ratio | 14.5167% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0285% | 246 |
| Memoranda: | ||
| Average total assets | $52,869,200 | 4,614 |
| Average earning assets | $48,016,400 | 4,612 |
| Average equity | $7,393,800 | 4,487 |
| Average total loans | $40,157,200 | 4,307 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,161 |
| Cost of funding earning assets | 0.4660% | 3,440 |
| Net interest margin | 4.1937% | 746 |
| Noninterest income to average assets | 0.8101% | 1,455 |
| Noninterest expense to average assets | 4.5999% | 238 |
| Loan and lease loss provision to assets | 0.0518% | 3,709 |
| Net operating income to assets | 0.0204% | 4,757 |
| Return on assets (ROA) | 0.0434% | 4,766 |
| Pretax return on assets | 0.0230% | 4,772 |
| Return on Equity (ROE) | 0.3081% | 4,770 |
| Retained earnings to average equity (ytd only) | 0.3081% | 4,426 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9011% | 183 |
| Assets per employee ($millions) | 3.1273% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6253% | 4,692 |
| Loan loss allowance to noncurrent loans | 41.9505% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 814 |
| Noncurrent loans to loans | 1.4906% | 966 |
| Net loans and leases to total assets | 81.0059% | 520 |
| Net loans and leases to deposits | 97.2452% | 671 |
| Net loans and leases to core deposits | 100.0651% | 1,158 |
| Total domestic deposits to total assets | 83.3007% | 3,060 |
| Equity capital to assets | 13.9756% | 859 |
| Core capital (leverage) ratio | 13.7651% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8038% | 262 |
| Memoranda: | ||
| Average total assets | $52,173,750 | 4,646 |
| Average earning assets | $47,784,250 | 4,639 |
| Average equity | $7,356,250 | 4,513 |
| Average total loans | $39,576,750 | 4,345 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,962 |
| Cost of funding earning assets | 0.4598% | 3,743 |
| Net interest margin | 4.0246% | 1,265 |
| Noninterest income to average assets | 0.6057% | 2,107 |
| Noninterest expense to average assets | 4.4441% | 268 |
| Loan and lease loss provision to assets | 0.0772% | 3,330 |
| Net operating income to assets | -0.1547% | 4,851 |
| Return on assets (ROA) | -0.1273% | 4,845 |
| Pretax return on assets | -0.2006% | 4,850 |
| Return on Equity (ROE) | -0.9002% | 4,839 |
| Retained earnings to average equity (ytd only) | -0.9002% | 4,463 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6904% | 143 |
| Assets per employee ($millions) | 3.0998% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 4,638 |
| Loan loss allowance to noncurrent loans | 36.5229% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 692 |
| Noncurrent loans to loans | 1.8265% | 764 |
| Net loans and leases to total assets | 76.5789% | 1,057 |
| Net loans and leases to deposits | 92.0589% | 1,152 |
| Net loans and leases to core deposits | 94.7388% | 1,688 |
| Total domestic deposits to total assets | 83.1847% | 3,036 |
| Equity capital to assets | 13.9935% | 853 |
| Core capital (leverage) ratio | 14.0506% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4808% | 252 |
| Memoranda: | ||
| Average total assets | $51,843,667 | 4,662 |
| Average earning assets | $47,408,667 | 4,665 |
| Average equity | $7,331,667 | 4,537 |
| Average total loans | $38,323,333 | 4,378 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 1,993 |
| Cost of funding earning assets | 0.4592% | 4,118 |
| Net interest margin | 4.1417% | 1,051 |
| Noninterest income to average assets | 0.5446% | 2,307 |
| Noninterest expense to average assets | 4.4654% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0700% | 4,790 |
| Return on assets (ROA) | -0.0700% | 4,775 |
| Pretax return on assets | -0.1323% | 4,785 |
| Return on Equity (ROE) | -0.4924% | 4,773 |
| Retained earnings to average equity (ytd only) | -0.4924% | 4,073 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0521% | 202 |
| Assets per employee ($millions) | 2.9977% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 4,658 |
| Loan loss allowance to noncurrent loans | 33.3333% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.4776% | 731 |
| Noncurrent loans to loans | 2.0049% | 706 |
| Net loans and leases to total assets | 73.2070% | 1,748 |
| Net loans and leases to deposits | 88.4157% | 1,706 |
| Net loans and leases to core deposits | 91.0749% | 2,240 |
| Total domestic deposits to total assets | 82.7986% | 3,172 |
| Equity capital to assets | 14.3718% | 934 |
| Core capital (leverage) ratio | 14.2636% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6240% | 242 |
| Memoranda: | ||
| Average total assets | $51,417,500 | 4,688 |
| Average earning assets | $47,033,500 | 4,692 |
| Average equity | $7,310,500 | 4,572 |
| Average total loans | $37,172,500 | 4,427 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 2,839 |
| Cost of funding earning assets | 0.4928% | 4,122 |
| Net interest margin | 4.0391% | 1,713 |
| Noninterest income to average assets | 0.5417% | 2,526 |
| Noninterest expense to average assets | 4.4773% | 314 |
| Loan and lease loss provision to assets | 0.0379% | 3,254 |
| Net operating income to assets | -0.1383% | 5,011 |
| Return on assets (ROA) | -0.1383% | 5,020 |
| Pretax return on assets | -0.2633% | 5,030 |
| Return on Equity (ROE) | -0.9938% | 5,014 |
| Retained earnings to average equity (ytd only) | -0.9938% | 4,804 |
| Net charge-offs to loans | 0.0596% | 2,254 |
| Credit loss provision to net charge-offs | 90.9091% | 2,642 |
| Earnings coverage of net charge-offs (x) | -5.4091% | 3,684 |
| Efficiency ratio | 105.3007% | 129 |
| Assets per employee ($millions) | 3.0514% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 4,607 |
| Loan loss allowance to noncurrent loans | 36.4826% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.5788% | 623 |
| Noncurrent loans to loans | 1.8702% | 709 |
| Net loans and leases to total assets | 70.4322% | 2,323 |
| Net loans and leases to deposits | 84.8313% | 2,231 |
| Net loans and leases to core deposits | 87.3210% | 2,671 |
| Total domestic deposits to total assets | 83.0262% | 3,182 |
| Equity capital to assets | 14.0668% | 1,077 |
| Core capital (leverage) ratio | 14.0068% | 923 |
| Tier 1 risk-based capital ratio | 31.4336% | 433 |
| Total risk-based capital ratio | 32.5215% | 430 |
| Memoranda: | ||
| Average total assets | $52,799,200 | 4,706 |
| Average earning assets | $48,501,200 | 4,700 |
| Average equity | $7,345,400 | 4,596 |
| Average total loans | $36,914,200 | 4,480 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 2,870 |
| Cost of funding earning assets | 0.4901% | 4,182 |
| Net interest margin | 4.0660% | 1,713 |
| Noninterest income to average assets | 0.4852% | 2,825 |
| Noninterest expense to average assets | 4.4552% | 312 |
| Loan and lease loss provision to assets | 0.0503% | 2,892 |
| Net operating income to assets | -0.1634% | 5,099 |
| Return on assets (ROA) | -0.1634% | 5,105 |
| Pretax return on assets | -0.2866% | 5,114 |
| Return on Equity (ROE) | -1.1778% | 5,102 |
| Retained earnings to average equity (ytd only) | -1.1778% | 4,876 |
| Net charge-offs to loans | 0.0794% | 1,687 |
| Credit loss provision to net charge-offs | 90.9091% | 2,384 |
| Earnings coverage of net charge-offs (x) | -4.2731% | 3,418 |
| Efficiency ratio | 105.6019% | 118 |
| Assets per employee ($millions) | 3.2020% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 4,704 |
| Loan loss allowance to noncurrent loans | 37.5749% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 690 |
| Noncurrent loans to loans | 1.7761% | 809 |
| Net loans and leases to total assets | 72.9212% | 2,014 |
| Net loans and leases to deposits | 91.3311% | 1,527 |
| Net loans and leases to core deposits | 94.1388% | 2,166 |
| Total domestic deposits to total assets | 79.8427% | 4,017 |
| Equity capital to assets | 14.2450% | 1,060 |
| Core capital (leverage) ratio | 13.9844% | 989 |
| Tier 1 risk-based capital ratio | 25.8675% | 715 |
| Total risk-based capital ratio | 26.7617% | 722 |
| Memoranda: | ||
| Average total assets | $53,030,500 | 4,772 |
| Average earning assets | $48,695,000 | 4,765 |
| Average equity | $7,357,500 | 4,646 |
| Average total loans | $36,946,000 | 4,536 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 2,980 |
| Cost of funding earning assets | 0.4755% | 4,228 |
| Net interest margin | 4.0357% | 1,812 |
| Noninterest income to average assets | 0.5146% | 2,593 |
| Noninterest expense to average assets | 4.3893% | 339 |
| Loan and lease loss provision to assets | 0.0559% | 2,707 |
| Net operating income to assets | -0.1193% | 5,134 |
| Return on assets (ROA) | -0.1193% | 5,138 |
| Pretax return on assets | -0.2275% | 5,152 |
| Return on Equity (ROE) | -0.8675% | 5,138 |
| Retained earnings to average equity (ytd only) | -0.8675% | 4,813 |
| Net charge-offs to loans | 0.0762% | 1,605 |
| Credit loss provision to net charge-offs | 107.1429% | 1,866 |
| Earnings coverage of net charge-offs (x) | -3.2857% | 3,135 |
| Efficiency ratio | 104.0672% | 131 |
| Assets per employee ($millions) | 3.2639% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,761 |
| Loan loss allowance to noncurrent loans | 46.6912% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 987 |
| Noncurrent loans to loans | 1.4301% | 1,080 |
| Net loans and leases to total assets | 72.3532% | 2,165 |
| Net loans and leases to deposits | 90.1403% | 1,724 |
| Net loans and leases to core deposits | 92.8242% | 2,337 |
| Total domestic deposits to total assets | 80.2673% | 3,981 |
| Equity capital to assets | 14.0130% | 1,114 |
| Core capital (leverage) ratio | 13.9551% | 978 |
| Tier 1 risk-based capital ratio | 25.2092% | 738 |
| Total risk-based capital ratio | 26.0874% | 750 |
| Memoranda: | ||
| Average total assets | $53,630,000 | 4,794 |
| Average earning assets | $49,211,000 | 4,785 |
| Average equity | $7,377,330 | 4,670 |
| Average total loans | $36,724,670 | 4,578 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 3,223 |
| Cost of funding earning assets | 0.4553% | 4,265 |
| Net interest margin | 3.9460% | 2,036 |
| Noninterest income to average assets | 0.3607% | 3,441 |
| Noninterest expense to average assets | 4.2478% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1252% | 5,185 |
| Return on assets (ROA) | -0.1252% | 5,184 |
| Pretax return on assets | -0.2503% | 5,205 |
| Return on Equity (ROE) | -0.9181% | 5,183 |
| Retained earnings to average equity (ytd only) | -0.9181% | 4,639 |
| Net charge-offs to loans | 0.1553% | 864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -2.4286% | 2,704 |
| Efficiency ratio | 106.2615% | 124 |
| Assets per employee ($millions) | 3.2606% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 4,841 |
| Loan loss allowance to noncurrent loans | 37.9968% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 889 |
| Noncurrent loans to loans | 1.7382% | 886 |
| Net loans and leases to total assets | 68.9036% | 2,638 |
| Net loans and leases to deposits | 85.6962% | 2,170 |
| Net loans and leases to core deposits | 87.2903% | 2,755 |
| Total domestic deposits to total assets | 80.4044% | 4,093 |
| Equity capital to assets | 13.9640% | 1,052 |
| Core capital (leverage) ratio | 13.4374% | 1,104 |
| Tier 1 risk-based capital ratio | 26.0585% | 682 |
| Total risk-based capital ratio | 26.9125% | 694 |
| Memoranda: | ||
| Average total assets | $54,333,500 | 4,836 |
| Average earning assets | $50,076,500 | 4,828 |
| Average equity | $7,407,000 | 4,697 |
| Average total loans | $36,067,500 | 4,637 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 3,288 |
| Cost of funding earning assets | 0.3839% | 4,088 |
| Net interest margin | 3.8625% | 2,460 |
| Noninterest income to average assets | 0.4389% | 3,175 |
| Noninterest expense to average assets | 5.7507% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -1.3710% | 5,354 |
| Return on assets (ROA) | -1.3710% | 5,351 |
| Pretax return on assets | -1.8099% | 5,366 |
| Return on Equity (ROE) | -9.1014% | 5,344 |
| Retained earnings to average equity (ytd only) | -9.1014% | 5,308 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.9274% | 30 |
| Assets per employee ($millions) | 3.5311% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 4,798 |
| Loan loss allowance to noncurrent loans | 37.7612% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 945 |
| Noncurrent loans to loans | 1.8638% | 744 |
| Net loans and leases to total assets | 63.1821% | 3,444 |
| Net loans and leases to deposits | 77.5595% | 3,219 |
| Net loans and leases to core deposits | 78.4338% | 3,542 |
| Total domestic deposits to total assets | 81.4627% | 3,796 |
| Equity capital to assets | 13.3264% | 1,209 |
| Core capital (leverage) ratio | 14.9799% | 697 |
| Tier 1 risk-based capital ratio | 26.7678% | 627 |
| Total risk-based capital ratio | 27.6600% | 637 |
| Memoranda: | ||
| Average total assets | $51,715,600 | 4,903 |
| Average earning assets | $46,887,000 | 4,917 |
| Average equity | $7,790,000 | 4,634 |
| Average total loans | $33,426,200 | 4,736 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 3,078 |
| Cost of funding earning assets | 0.3812% | 3,989 |
| Net interest margin | 3.8880% | 2,347 |
| Noninterest income to average assets | 0.4196% | 3,353 |
| Noninterest expense to average assets | 6.3788% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.8738% | 5,445 |
| Return on assets (ROA) | -1.8738% | 5,442 |
| Pretax return on assets | -2.4597% | 5,447 |
| Return on Equity (ROE) | -12.0510% | 5,430 |
| Retained earnings to average equity (ytd only) | -12.0510% | 5,406 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.7609% | 18 |
| Assets per employee ($millions) | 3.1100% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 4,776 |
| Loan loss allowance to noncurrent loans | 58.9744% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 1,676 |
| Noncurrent loans to loans | 1.2575% | 1,342 |
| Net loans and leases to total assets | 68.0527% | 2,927 |
| Net loans and leases to deposits | 83.1116% | 2,696 |
| Net loans and leases to core deposits | 84.1672% | 3,142 |
| Total domestic deposits to total assets | 81.8810% | 3,649 |
| Equity capital to assets | 15.0301% | 712 |
| Core capital (leverage) ratio | 15.2027% | 654 |
| Tier 1 risk-based capital ratio | 29.7897% | 488 |
| Total risk-based capital ratio | 30.7825% | 492 |
| Memoranda: | ||
| Average total assets | $50,520,250 | 4,980 |
| Average earning assets | $45,472,500 | 4,998 |
| Average equity | $7,855,250 | 4,677 |
| Average total loans | $32,795,500 | 4,804 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,154 |
| Cost of funding earning assets | 0.3690% | 3,944 |
| Net interest margin | 3.8178% | 2,515 |
| Noninterest income to average assets | 0.4136% | 3,399 |
| Noninterest expense to average assets | 7.4566% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.7810% | 5,519 |
| Return on assets (ROA) | -2.7810% | 5,515 |
| Pretax return on assets | -3.6200% | 5,523 |
| Return on Equity (ROE) | -17.6928% | 5,505 |
| Retained earnings to average equity (ytd only) | -17.6928% | 5,487 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.3532% | 13 |
| Assets per employee ($millions) | 3.3336% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,716 |
| Loan loss allowance to noncurrent loans | 63.7280% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 1,842 |
| Noncurrent loans to loans | 1.2450% | 1,386 |
| Net loans and leases to total assets | 63.2649% | 3,481 |
| Net loans and leases to deposits | 77.1661% | 3,241 |
| Net loans and leases to core deposits | 78.1381% | 3,571 |
| Total domestic deposits to total assets | 81.9854% | 3,726 |
| Equity capital to assets | 15.0068% | 683 |
| Core capital (leverage) ratio | 14.8441% | 703 |
| Tier 1 risk-based capital ratio | 32.5366% | 391 |
| Total risk-based capital ratio | 33.6203% | 395 |
| Memoranda: | ||
| Average total assets | $50,773,670 | 5,032 |
| Average earning assets | $45,524,000 | 5,057 |
| Average equity | $7,980,670 | 4,697 |
| Average total loans | $32,355,330 | 4,861 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,138 |
| Cost of funding earning assets | 0.3563% | 3,939 |
| Net interest margin | 3.7719% | 2,537 |
| Noninterest income to average assets | 0.4073% | 3,410 |
| Noninterest expense to average assets | 2.9606% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1748% | 2,116 |
| Return on assets (ROA) | 1.1748% | 2,126 |
| Pretax return on assets | 0.8459% | 4,027 |
| Return on Equity (ROE) | 7.3783% | 3,642 |
| Retained earnings to average equity (ytd only) | 7.3783% | 2,116 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,373 |
| Assets per employee ($millions) | 3.7257% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7812% | 4,836 |
| Loan loss allowance to noncurrent loans | 61.7073% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 1,972 |
| Noncurrent loans to loans | 1.2659% | 1,423 |
| Net loans and leases to total assets | 61.6066% | 3,594 |
| Net loans and leases to deposits | 75.5987% | 3,258 |
| Net loans and leases to core deposits | 76.5132% | 3,623 |
| Total domestic deposits to total assets | 81.4916% | 4,097 |
| Equity capital to assets | 15.6940% | 539 |
| Core capital (leverage) ratio | 16.2752% | 453 |
| Tier 1 risk-based capital ratio | 34.2624% | 342 |
| Total risk-based capital ratio | 35.3102% | 342 |
| Memoranda: | ||
| Average total assets | $51,071,500 | 5,091 |
| Average earning assets | $46,025,000 | 5,102 |
| Average equity | $8,132,000 | 4,723 |
| Average total loans | $32,589,000 | 4,903 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,563 |
| Cost of funding earning assets | 0.4281% | 2,969 |
| Net interest margin | 3.5237% | 3,454 |
| Noninterest income to average assets | 0.2525% | 4,622 |
| Noninterest expense to average assets | 4.1138% | 462 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.5346% | 5,540 |
| Return on assets (ROA) | -0.5346% | 5,539 |
| Pretax return on assets | -0.6832% | 5,572 |
| Return on Equity (ROE) | -3.6521% | 5,511 |
| Retained earnings to average equity (ytd only) | -3.6521% | 5,383 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9134% | 66 |
| Assets per employee ($millions) | 3.5702% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 4,903 |
| Loan loss allowance to noncurrent loans | 59.9526% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 1,778 |
| Noncurrent loans to loans | 1.2869% | 1,365 |
| Net loans and leases to total assets | 65.0981% | 3,212 |
| Net loans and leases to deposits | 80.4739% | 2,864 |
| Net loans and leases to core deposits | 81.4958% | 3,286 |
| Total domestic deposits to total assets | 80.8935% | 4,141 |
| Equity capital to assets | 16.1615% | 491 |
| Core capital (leverage) ratio | 16.1277% | 458 |
| Tier 1 risk-based capital ratio | 34.0375% | 345 |
| Total risk-based capital ratio | 35.1002% | 341 |
| Memoranda: | ||
| Average total assets | $53,868,000 | 5,078 |
| Average earning assets | $48,585,800 | 5,093 |
| Average equity | $7,885,800 | 4,799 |
| Average total loans | $32,300,600 | 4,959 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 3,797 |
| Cost of funding earning assets | 0.4135% | 3,054 |
| Net interest margin | 3.4459% | 3,692 |
| Noninterest income to average assets | 0.2358% | 4,798 |
| Noninterest expense to average assets | 3.9727% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.3987% | 5,617 |
| Return on assets (ROA) | -0.3987% | 5,618 |
| Pretax return on assets | -0.6370% | 5,635 |
| Return on Equity (ROE) | -2.7898% | 5,602 |
| Retained earnings to average equity (ytd only) | -2.7898% | 5,472 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0962% | 62 |
| Assets per employee ($millions) | 3.6198% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,954 |
| Loan loss allowance to noncurrent loans | 55.7269% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 1,841 |
| Noncurrent loans to loans | 1.3987% | 1,339 |
| Net loans and leases to total assets | 63.5495% | 3,482 |
| Net loans and leases to deposits | 78.6831% | 3,101 |
| Net loans and leases to core deposits | 79.6660% | 3,473 |
| Total domestic deposits to total assets | 80.7664% | 4,115 |
| Equity capital to assets | 16.2697% | 504 |
| Core capital (leverage) ratio | 15.7346% | 529 |
| Tier 1 risk-based capital ratio | 34.5252% | 336 |
| Total risk-based capital ratio | 35.5869% | 335 |
| Memoranda: | ||
| Average total assets | $54,839,250 | 5,121 |
| Average earning assets | $49,333,500 | 5,134 |
| Average equity | $7,837,750 | 4,859 |
| Average total loans | $32,178,000 | 5,011 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7674% | 4,013 |
| Cost of funding earning assets | 0.4204% | 2,887 |
| Net interest margin | 3.3470% | 3,959 |
| Noninterest income to average assets | 0.2383% | 4,813 |
| Noninterest expense to average assets | 3.7776% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2988% | 5,644 |
| Return on assets (ROA) | -0.2988% | 5,645 |
| Pretax return on assets | -0.5371% | 5,676 |
| Return on Equity (ROE) | -2.1813% | 5,631 |
| Retained earnings to average equity (ytd only) | -2.1813% | 5,364 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5752% | 74 |
| Assets per employee ($millions) | 3.4756% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 4,972 |
| Loan loss allowance to noncurrent loans | 68.5637% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 2,479 |
| Noncurrent loans to loans | 1.1548% | 1,692 |
| Net loans and leases to total assets | 57.0052% | 4,120 |
| Net loans and leases to deposits | 74.8630% | 3,461 |
| Net loans and leases to core deposits | 75.7648% | 3,795 |
| Total domestic deposits to total assets | 76.1459% | 5,074 |
| Equity capital to assets | 14.9832% | 704 |
| Core capital (leverage) ratio | 15.0271% | 623 |
| Tier 1 risk-based capital ratio | 33.7340% | 340 |
| Total risk-based capital ratio | 34.7614% | 344 |
| Memoranda: | ||
| Average total assets | $56,226,670 | 5,130 |
| Average earning assets | $50,432,670 | 5,151 |
| Average equity | $7,702,000 | 4,902 |
| Average total loans | $32,084,670 | 5,039 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 3,900 |
| Cost of funding earning assets | 0.4142% | 2,864 |
| Net interest margin | 3.3458% | 3,861 |
| Noninterest income to average assets | 0.2264% | 4,917 |
| Noninterest expense to average assets | 3.7569% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3113% | 5,702 |
| Return on assets (ROA) | -0.3113% | 5,702 |
| Pretax return on assets | -0.5589% | 5,738 |
| Return on Equity (ROE) | -2.3826% | 5,694 |
| Retained earnings to average equity (ytd only) | -2.3826% | 5,207 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4779% | 80 |
| Assets per employee ($millions) | 3.7059% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 5,066 |
| Loan loss allowance to noncurrent loans | 68.0108% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 2,523 |
| Noncurrent loans to loans | 1.1768% | 1,728 |
| Net loans and leases to total assets | 56.4097% | 4,127 |
| Net loans and leases to deposits | 74.0110% | 3,401 |
| Net loans and leases to core deposits | 74.8985% | 3,748 |
| Total domestic deposits to total assets | 76.2179% | 5,211 |
| Equity capital to assets | 14.9655% | 663 |
| Core capital (leverage) ratio | 14.8568% | 633 |
| Tier 1 risk-based capital ratio | 34.3314% | 341 |
| Total risk-based capital ratio | 35.3720% | 341 |
| Memoranda: | ||
| Average total assets | $56,535,500 | 5,180 |
| Average earning assets | $50,212,000 | 5,208 |
| Average equity | $7,387,000 | 4,988 |
| Average total loans | $32,150,500 | 5,088 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8633% | 3,703 |
| Cost of funding earning assets | 0.4224% | 2,782 |
| Net interest margin | 3.4409% | 3,657 |
| Noninterest income to average assets | 0.3184% | 4,461 |
| Noninterest expense to average assets | 3.5149% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0773% | 5,678 |
| Return on assets (ROA) | -0.0773% | 5,689 |
| Pretax return on assets | -0.0756% | 5,685 |
| Return on Equity (ROE) | -0.6600% | 5,687 |
| Retained earnings to average equity (ytd only) | -0.6600% | 5,403 |
| Net charge-offs to loans | 0.0432% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 4,204 |
| Efficiency ratio | 102.1967% | 197 |
| Assets per employee ($millions) | 4.1059% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 5,173 |
| Loan loss allowance to noncurrent loans | 74.6313% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 2,850 |
| Noncurrent loans to loans | 1.0370% | 2,006 |
| Net loans and leases to total assets | 56.4306% | 4,223 |
| Net loans and leases to deposits | 72.9075% | 3,624 |
| Net loans and leases to core deposits | 73.7361% | 3,941 |
| Total domestic deposits to total assets | 77.4003% | 5,063 |
| Equity capital to assets | 11.2294% | 2,386 |
| Core capital (leverage) ratio | 12.0274% | 1,582 |
| Tier 1 risk-based capital ratio | 25.1059% | 765 |
| Total risk-based capital ratio | 26.0804% | 772 |
| Memoranda: | ||
| Average total assets | $55,592,200 | 5,233 |
| Average earning assets | $50,422,800 | 5,238 |
| Average equity | $6,515,600 | 5,183 |
| Average total loans | $32,402,400 | 5,121 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 3,716 |
| Cost of funding earning assets | 0.4181% | 2,859 |
| Net interest margin | 3.4474% | 3,681 |
| Noninterest income to average assets | 0.3338% | 4,397 |
| Noninterest expense to average assets | 3.4325% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0242% | 5,701 |
| Return on assets (ROA) | 0.0242% | 5,727 |
| Pretax return on assets | 0.0726% | 5,698 |
| Return on Equity (ROE) | 0.2041% | 5,727 |
| Retained earnings to average equity (ytd only) | 0.2041% | 5,293 |
| Net charge-offs to loans | 0.0577% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.1425% | 3,614 |
| Efficiency ratio | 97.9296% | 262 |
| Assets per employee ($millions) | 3.8294% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 5,247 |
| Loan loss allowance to noncurrent loans | 78.0864% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 2,960 |
| Noncurrent loans to loans | 0.9986% | 2,247 |
| Net loans and leases to total assets | 60.0511% | 3,872 |
| Net loans and leases to deposits | 79.6605% | 3,007 |
| Net loans and leases to core deposits | 79.6605% | 3,482 |
| Total domestic deposits to total assets | 75.3838% | 5,302 |
| Equity capital to assets | 12.4322% | 1,817 |
| Core capital (leverage) ratio | 12.2722% | 1,497 |
| Tier 1 risk-based capital ratio | 26.5720% | 674 |
| Total risk-based capital ratio | 27.5951% | 673 |
| Memoranda: | ||
| Average total assets | $55,119,500 | 5,293 |
| Average earning assets | $50,704,000 | 5,286 |
| Average equity | $6,530,750 | 5,232 |
| Average total loans | $32,330,250 | 5,167 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 3,824 |
| Cost of funding earning assets | 0.4172% | 2,865 |
| Net interest margin | 3.4192% | 3,810 |
| Noninterest income to average assets | 0.2625% | 4,906 |
| Noninterest expense to average assets | 3.3152% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1007% | 5,666 |
| Return on assets (ROA) | 0.1007% | 5,711 |
| Pretax return on assets | 0.1007% | 5,723 |
| Return on Equity (ROE) | 0.8705% | 5,706 |
| Retained earnings to average equity (ytd only) | 0.8705% | 5,038 |
| Net charge-offs to loans | 0.0867% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,344 |
| Efficiency ratio | 97.0526% | 311 |
| Assets per employee ($millions) | 3.8776% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 5,352 |
| Loan loss allowance to noncurrent loans | 78.0864% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 3,028 |
| Noncurrent loans to loans | 0.9853% | 2,306 |
| Net loans and leases to total assets | 60.1083% | 3,870 |
| Net loans and leases to deposits | 81.1939% | 2,792 |
| Net loans and leases to core deposits | 81.1939% | 3,343 |
| Total domestic deposits to total assets | 74.0306% | 5,515 |
| Equity capital to assets | 11.9660% | 2,152 |
| Core capital (leverage) ratio | 11.6255% | 1,892 |
| Tier 1 risk-based capital ratio | 26.0329% | 723 |
| Total risk-based capital ratio | 27.0607% | 718 |
| Memoranda: | ||
| Average total assets | $55,622,330 | 5,342 |
| Average earning assets | $51,298,670 | 5,331 |
| Average equity | $6,433,000 | 5,300 |
| Average total loans | $32,291,330 | 5,224 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,106 |
| Cost of funding earning assets | 0.4099% | 2,966 |
| Net interest margin | 3.3486% | 4,047 |
| Noninterest income to average assets | 0.2487% | 4,958 |
| Noninterest expense to average assets | 3.2404% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0853% | 5,704 |
| Return on assets (ROA) | 0.0853% | 5,747 |
| Pretax return on assets | 0.0853% | 5,753 |
| Return on Equity (ROE) | 0.7498% | 5,733 |
| Retained earnings to average equity (ytd only) | 0.7498% | 4,920 |
| Net charge-offs to loans | 0.1750% | 1,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.8571% | 2,889 |
| Efficiency ratio | 97.4359% | 360 |
| Assets per employee ($millions) | 4.0148% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 5,398 |
| Loan loss allowance to noncurrent loans | 89.3993% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 3,433 |
| Noncurrent loans to loans | 0.8821% | 2,637 |
| Net loans and leases to total assets | 56.6317% | 4,181 |
| Net loans and leases to deposits | 75.9545% | 3,227 |
| Net loans and leases to core deposits | 75.9545% | 3,686 |
| Total domestic deposits to total assets | 74.5601% | 5,561 |
| Equity capital to assets | 11.4488% | 2,486 |
| Core capital (leverage) ratio | 11.4621% | 2,001 |
| Tier 1 risk-based capital ratio | 25.9166% | 740 |
| Total risk-based capital ratio | 26.9450% | 744 |
| Memoranda: | ||
| Average total assets | $56,290,000 | 5,377 |
| Average earning assets | $51,723,000 | 5,371 |
| Average equity | $6,401,500 | 5,336 |
| Average total loans | $31,995,000 | 5,268 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,561 |
| Cost of funding earning assets | 0.4469% | 2,658 |
| Net interest margin | 3.1921% | 4,654 |
| Noninterest income to average assets | 1.6539% | 475 |
| Noninterest expense to average assets | 3.7985% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7234% | 3,697 |
| Return on assets (ROA) | 0.7298% | 3,772 |
| Pretax return on assets | 0.7298% | 4,438 |
| Return on Equity (ROE) | 7.6280% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.6280% | 1,055 |
| Net charge-offs to loans | 0.0896% | 2,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.8148% | 2,107 |
| Efficiency ratio | 84.0028% | 1,180 |
| Assets per employee ($millions) | 4.0266% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8368% | 5,311 |
| Loan loss allowance to noncurrent loans | 120.2703% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 3,876 |
| Noncurrent loans to loans | 0.6958% | 3,110 |
| Net loans and leases to total assets | 56.1244% | 4,291 |
| Net loans and leases to deposits | 75.1770% | 3,355 |
| Net loans and leases to core deposits | 75.1770% | 3,832 |
| Total domestic deposits to total assets | 74.6563% | 5,585 |
| Equity capital to assets | 11.2962% | 2,544 |
| Core capital (leverage) ratio | 11.4374% | 2,009 |
| Tier 1 risk-based capital ratio | 26.8509% | 682 |
| Total risk-based capital ratio | 27.9772% | 668 |
| Memoranda: | ||
| Average total assets | $62,760,800 | 5,249 |
| Average earning assets | $56,388,400 | 5,280 |
| Average equity | $6,004,200 | 5,439 |
| Average total loans | $30,117,400 | 5,350 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,731 |
| Cost of funding earning assets | 0.4606% | 2,578 |
| Net interest margin | 3.1429% | 4,836 |
| Noninterest income to average assets | 2.0651% | 343 |
| Noninterest expense to average assets | 4.0824% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7982% | 3,430 |
| Return on assets (ROA) | 0.8065% | 3,497 |
| Pretax return on assets | 0.8065% | 4,318 |
| Return on Equity (ROE) | 8.8326% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.8326% | 963 |
| Net charge-offs to loans | 0.0854% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.2653% | 1,880 |
| Efficiency ratio | 83.6449% | 1,208 |
| Assets per employee ($millions) | 3.9891% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 5,170 |
| Loan loss allowance to noncurrent loans | 101.1029% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 3,568 |
| Noncurrent loans to loans | 0.8999% | 2,720 |
| Net loans and leases to total assets | 53.6269% | 4,603 |
| Net loans and leases to deposits | 72.2812% | 3,734 |
| Net loans and leases to core deposits | 72.2812% | 4,166 |
| Total domestic deposits to total assets | 74.1920% | 5,696 |
| Equity capital to assets | 11.2826% | 2,719 |
| Core capital (leverage) ratio | 10.7123% | 2,807 |
| Tier 1 risk-based capital ratio | 28.0301% | 619 |
| Total risk-based capital ratio | 29.2546% | 605 |
| Memoranda: | ||
| Average total assets | $64,306,500 | 5,281 |
| Average earning assets | $57,610,000 | 5,319 |
| Average equity | $5,872,000 | 5,532 |
| Average total loans | $29,670,250 | 5,433 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 4,829 |
| Cost of funding earning assets | 0.4847% | 2,391 |
| Net interest margin | 3.0768% | 5,026 |
| Noninterest income to average assets | 0.3724% | 4,279 |
| Noninterest expense to average assets | 4.0521% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.9564% | 6,257 |
| Return on assets (ROA) | -0.9445% | 6,258 |
| Pretax return on assets | -0.9445% | 6,250 |
| Return on Equity (ROE) | -11.0665% | 6,261 |
| Retained earnings to average equity (ytd only) | -11.0665% | 6,192 |
| Net charge-offs to loans | 0.0407% | 2,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -53.5000% | 3,880 |
| Efficiency ratio | 130.8951% | 75 |
| Assets per employee ($millions) | 2.9454% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 4,952 |
| Loan loss allowance to noncurrent loans | 92.9032% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 3,635 |
| Noncurrent loans to loans | 1.0572% | 2,529 |
| Net loans and leases to total assets | 44.8100% | 5,323 |
| Net loans and leases to deposits | 50.1321% | 5,501 |
| Net loans and leases to core deposits | 50.1321% | 5,609 |
| Total domestic deposits to total assets | 89.3839% | 960 |
| Equity capital to assets | 8.4555% | 5,718 |
| Core capital (leverage) ratio | 8.3357% | 5,691 |
| Tier 1 risk-based capital ratio | 22.5472% | 1,131 |
| Total risk-based capital ratio | 23.7091% | 1,122 |
| Memoranda: | ||
| Average total assets | $67,126,330 | 5,276 |
| Average earning assets | $59,413,330 | 5,322 |
| Average equity | $5,729,000 | 5,620 |
| Average total loans | $29,485,670 | 5,491 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,868 |
| Cost of funding earning assets | 0.5053% | 2,236 |
| Net interest margin | 3.0319% | 5,119 |
| Noninterest income to average assets | 0.3690% | 4,259 |
| Noninterest expense to average assets | 3.5203% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4803% | 6,241 |
| Return on assets (ROA) | -0.4744% | 6,249 |
| Pretax return on assets | -0.4744% | 6,237 |
| Return on Equity (ROE) | -5.5347% | 6,268 |
| Retained earnings to average equity (ytd only) | -5.5347% | 5,967 |
| Net charge-offs to loans | -0.0406% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7996% | 153 |
| Assets per employee ($millions) | 3.1331% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,979 |
| Loan loss allowance to noncurrent loans | 84.3750% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 3,632 |
| Noncurrent loans to loans | 1.1933% | 2,388 |
| Net loans and leases to total assets | 42.3630% | 5,457 |
| Net loans and leases to deposits | 47.3895% | 5,599 |
| Net loans and leases to core deposits | 47.7921% | 5,678 |
| Total domestic deposits to total assets | 89.3933% | 1,050 |
| Equity capital to assets | 8.4871% | 5,751 |
| Core capital (leverage) ratio | 8.4571% | 5,564 |
| Tier 1 risk-based capital ratio | 22.9170% | 1,118 |
| Total risk-based capital ratio | 24.0931% | 1,112 |
| Memoranda: | ||
| Average total assets | $68,290,500 | 5,299 |
| Average earning assets | $60,161,000 | 5,352 |
| Average equity | $5,854,000 | 5,637 |
| Average total loans | $29,566,500 | 5,536 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 4,322 |
| Cost of funding earning assets | 0.5706% | 2,039 |
| Net interest margin | 3.2787% | 4,659 |
| Noninterest income to average assets | 0.3661% | 4,469 |
| Noninterest expense to average assets | 3.4674% | 1,558 |
| Loan and lease loss provision to assets | 0.0363% | 3,857 |
| Net operating income to assets | -0.2132% | 6,211 |
| Return on assets (ROA) | -0.2658% | 6,227 |
| Pretax return on assets | -0.2702% | 6,215 |
| Return on Equity (ROE) | -3.1900% | 6,256 |
| Retained earnings to average equity (ytd only) | -3.1900% | 6,104 |
| Net charge-offs to loans | -0.0033% | 5,418 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4795% | 269 |
| Assets per employee ($millions) | 2.9414% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 5,105 |
| Loan loss allowance to noncurrent loans | 64.1921% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 3,239 |
| Noncurrent loans to loans | 1.5454% | 1,894 |
| Net loans and leases to total assets | 43.3713% | 5,505 |
| Net loans and leases to deposits | 48.6544% | 5,648 |
| Net loans and leases to core deposits | 49.0751% | 5,759 |
| Total domestic deposits to total assets | 89.1416% | 1,154 |
| Equity capital to assets | 8.6589% | 5,607 |
| Core capital (leverage) ratio | 8.7204% | 5,327 |
| Tier 1 risk-based capital ratio | 21.6361% | 1,284 |
| Total risk-based capital ratio | 22.7131% | 1,291 |
| Memoranda: | ||
| Average total assets | $68,841,200 | 5,322 |
| Average earning assets | $61,335,000 | 5,364 |
| Average equity | $5,736,600 | 5,684 |
| Average total loans | $30,741,200 | 5,538 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,561 |
| Cost of funding earning assets | 0.5738% | 2,074 |
| Net interest margin | 3.2213% | 4,886 |
| Noninterest income to average assets | 0.3741% | 4,435 |
| Noninterest expense to average assets | 3.3999% | 1,668 |
| Loan and lease loss provision to assets | 0.0482% | 3,411 |
| Net operating income to assets | -0.1790% | 6,258 |
| Return on assets (ROA) | -0.2565% | 6,292 |
| Pretax return on assets | -0.2623% | 6,275 |
| Return on Equity (ROE) | -3.1076% | 6,321 |
| Retained earnings to average equity (ytd only) | -3.1076% | 6,153 |
| Net charge-offs to loans | 0.0043% | 4,553 |
| Credit loss provision to net charge-offs | 2,500.0000% | 151 |
| Earnings coverage of net charge-offs (x) | -70.1729% | 4,682 |
| Efficiency ratio | 104.1347% | 292 |
| Assets per employee ($millions) | 3.0190% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 5,367 |
| Loan loss allowance to noncurrent loans | 48.8294% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 2,932 |
| Noncurrent loans to loans | 1.9769% | 1,612 |
| Net loans and leases to total assets | 45.1037% | 5,444 |
| Net loans and leases to deposits | 50.4990% | 5,620 |
| Net loans and leases to core deposits | 50.9421% | 5,747 |
| Total domestic deposits to total assets | 89.3161% | 1,067 |
| Equity capital to assets | 8.6693% | 5,669 |
| Core capital (leverage) ratio | 8.9271% | 5,159 |
| Tier 1 risk-based capital ratio | 21.0787% | 1,437 |
| Total risk-based capital ratio | 22.1121% | 1,456 |
| Memoranda: | ||
| Average total assets | $69,138,250 | 5,370 |
| Average earning assets | $62,044,500 | 5,402 |
| Average equity | $5,706,250 | 5,745 |
| Average total loans | $31,017,500 | 5,585 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,826 |
| Cost of funding earning assets | 0.5730% | 2,138 |
| Net interest margin | 3.1371% | 5,133 |
| Noninterest income to average assets | 0.3883% | 4,332 |
| Noninterest expense to average assets | 3.3664% | 1,762 |
| Loan and lease loss provision to assets | 0.0714% | 2,844 |
| Net operating income to assets | -0.2513% | 6,346 |
| Return on assets (ROA) | -0.2513% | 6,358 |
| Pretax return on assets | -0.2513% | 6,338 |
| Return on Equity (ROE) | -3.0937% | 6,382 |
| Retained earnings to average equity (ytd only) | -3.0937% | 6,105 |
| Net charge-offs to loans | 0.0320% | 3,559 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | -12.6000% | 4,325 |
| Efficiency ratio | 105.6452% | 301 |
| Assets per employee ($millions) | 3.5168% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 5,638 |
| Loan loss allowance to noncurrent loans | 53.0387% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 3,351 |
| Noncurrent loans to loans | 1.7498% | 1,972 |
| Net loans and leases to total assets | 43.7116% | 5,552 |
| Net loans and leases to deposits | 48.4990% | 5,743 |
| Net loans and leases to core deposits | 48.8955% | 5,855 |
| Total domestic deposits to total assets | 90.1288% | 744 |
| Equity capital to assets | 8.2717% | 5,968 |
| Core capital (leverage) ratio | 8.6522% | 5,466 |
| Tier 1 risk-based capital ratio | 20.2740% | 1,622 |
| Total risk-based capital ratio | 21.2272% | 1,662 |
| Memoranda: | ||
| Average total assets | $70,045,000 | 5,388 |
| Average earning assets | $62,477,330 | 5,439 |
| Average equity | $5,689,000 | 5,778 |
| Average total loans | $31,273,670 | 5,616 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,640 |
| Cost of funding earning assets | 0.5783% | 2,167 |
| Net interest margin | 3.1808% | 4,984 |
| Noninterest income to average assets | 0.3605% | 4,504 |
| Noninterest expense to average assets | 3.1245% | 2,460 |
| Loan and lease loss provision to assets | 0.0858% | 2,475 |
| Net operating income to assets | -0.0172% | 6,226 |
| Return on assets (ROA) | -0.0172% | 6,236 |
| Pretax return on assets | -0.0172% | 6,230 |
| Return on Equity (ROE) | -0.2134% | 6,241 |
| Retained earnings to average equity (ytd only) | -0.2134% | 5,598 |
| Net charge-offs to loans | 0.0255% | 3,060 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,297 |
| Efficiency ratio | 97.8495% | 552 |
| Assets per employee ($millions) | 3.5400% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 5,849 |
| Loan loss allowance to noncurrent loans | 48.4483% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 3,422 |
| Noncurrent loans to loans | 1.8720% | 2,034 |
| Net loans and leases to total assets | 43.3650% | 5,565 |
| Net loans and leases to deposits | 48.1094% | 5,724 |
| Net loans and leases to core deposits | 48.4993% | 5,845 |
| Total domestic deposits to total assets | 90.1383% | 998 |
| Equity capital to assets | 8.0891% | 5,986 |
| Core capital (leverage) ratio | 8.6827% | 5,406 |
| Tier 1 risk-based capital ratio | 20.5472% | 1,572 |
| Total risk-based capital ratio | 21.4768% | 1,629 |
| Memoranda: | ||
| Average total assets | $69,899,500 | 5,450 |
| Average earning assets | $62,249,000 | 5,494 |
| Average equity | $5,624,500 | 5,839 |
| Average total loans | $31,394,000 | 5,659 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7949% | 4,837 |
| Cost of funding earning assets | 0.7052% | 1,774 |
| Net interest margin | 3.0897% | 5,338 |
| Noninterest income to average assets | 0.3280% | 4,991 |
| Noninterest expense to average assets | 2.8602% | 3,494 |
| Loan and lease loss provision to assets | 0.0681% | 3,769 |
| Net operating income to assets | 0.1459% | 5,949 |
| Return on assets (ROA) | 0.0375% | 6,198 |
| Pretax return on assets | 0.0375% | 6,171 |
| Return on Equity (ROE) | 0.4568% | 6,172 |
| Retained earnings to average equity (ytd only) | 0.4568% | 5,638 |
| Net charge-offs to loans | 0.1097% | 3,733 |
| Credit loss provision to net charge-offs | 140.0000% | 1,664 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 3,574 |
| Efficiency ratio | 93.0380% | 803 |
| Assets per employee ($millions) | 3.1364% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 6,078 |
| Loan loss allowance to noncurrent loans | 50.7576% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 3,707 |
| Noncurrent loans to loans | 1.6601% | 2,418 |
| Net loans and leases to total assets | 45.7058% | 5,516 |
| Net loans and leases to deposits | 50.6871% | 5,716 |
| Net loans and leases to core deposits | 51.1068% | 5,868 |
| Total domestic deposits to total assets | 90.1725% | 987 |
| Equity capital to assets | 8.0029% | 6,017 |
| Core capital (leverage) ratio | 8.8714% | 5,180 |
| Tier 1 risk-based capital ratio | 20.4200% | 1,557 |
| Total risk-based capital ratio | 21.3006% | 1,614 |
| Memoranda: | ||
| Average total assets | $71,953,800 | 5,418 |
| Average earning assets | $63,954,400 | 5,470 |
| Average equity | $5,911,200 | 5,840 |
| Average total loans | $31,915,600 | 5,671 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 5,230 |
| Cost of funding earning assets | 0.7302% | 1,739 |
| Net interest margin | 2.9475% | 5,702 |
| Noninterest income to average assets | 0.3301% | 5,046 |
| Noninterest expense to average assets | 2.7971% | 3,673 |
| Loan and lease loss provision to assets | 0.0697% | 3,670 |
| Net operating income to assets | 0.0844% | 6,165 |
| Return on assets (ROA) | 0.0844% | 6,217 |
| Pretax return on assets | 0.0844% | 6,220 |
| Return on Equity (ROE) | 1.0207% | 6,179 |
| Retained earnings to average equity (ytd only) | 1.0207% | 5,572 |
| Net charge-offs to loans | 0.1461% | 3,085 |
| Credit loss provision to net charge-offs | 108.5714% | 2,163 |
| Earnings coverage of net charge-offs (x) | 2.3998% | 4,035 |
| Efficiency ratio | 94.7794% | 692 |
| Assets per employee ($millions) | 3.1908% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,302 |
| Loan loss allowance to noncurrent loans | 31.6113% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3234% | 2,996 |
| Noncurrent loans to loans | 2.5009% | 1,731 |
| Net loans and leases to total assets | 45.9429% | 5,553 |
| Net loans and leases to deposits | 52.1616% | 5,698 |
| Net loans and leases to core deposits | 52.5946% | 5,858 |
| Total domestic deposits to total assets | 88.0780% | 2,079 |
| Equity capital to assets | 8.0259% | 6,138 |
| Core capital (leverage) ratio | 8.7658% | 5,460 |
| Tier 1 risk-based capital ratio | 19.9827% | 1,743 |
| Total risk-based capital ratio | 20.8066% | 1,814 |
| Memoranda: | ||
| Average total assets | $72,692,250 | 5,454 |
| Average earning assets | $64,641,750 | 5,503 |
| Average equity | $6,008,500 | 5,891 |
| Average total loans | $31,943,250 | 5,727 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 5,461 |
| Cost of funding earning assets | 0.7501% | 1,712 |
| Net interest margin | 2.8413% | 5,922 |
| Noninterest income to average assets | 0.3237% | 5,120 |
| Noninterest expense to average assets | 2.7202% | 3,961 |
| Loan and lease loss provision to assets | 0.0816% | 3,432 |
| Net operating income to assets | 0.0462% | 6,247 |
| Return on assets (ROA) | 0.0462% | 6,323 |
| Pretax return on assets | 0.0462% | 6,306 |
| Return on Equity (ROE) | 0.5543% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.5543% | 5,683 |
| Net charge-offs to loans | 0.2204% | 2,423 |
| Credit loss provision to net charge-offs | 85.7143% | 2,521 |
| Earnings coverage of net charge-offs (x) | 1.3429% | 4,097 |
| Efficiency ratio | 95.5110% | 682 |
| Assets per employee ($millions) | 3.2370% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 6,408 |
| Loan loss allowance to noncurrent loans | 37.4436% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 3,539 |
| Noncurrent loans to loans | 2.0504% | 2,337 |
| Net loans and leases to total assets | 45.1927% | 5,619 |
| Net loans and leases to deposits | 51.3400% | 5,743 |
| Net loans and leases to core deposits | 51.7594% | 5,906 |
| Total domestic deposits to total assets | 88.0264% | 2,227 |
| Equity capital to assets | 8.1598% | 6,087 |
| Core capital (leverage) ratio | 8.6393% | 5,504 |
| Tier 1 risk-based capital ratio | 19.8484% | 1,754 |
| Total risk-based capital ratio | 20.6450% | 1,856 |
| Memoranda: | ||
| Average total assets | $73,523,670 | 5,473 |
| Average earning assets | $65,321,670 | 5,516 |
| Average equity | $6,133,330 | 5,892 |
| Average total loans | $31,755,000 | 5,764 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 5,688 |
| Cost of funding earning assets | 0.8206% | 1,416 |
| Net interest margin | 2.6851% | 6,241 |
| Noninterest income to average assets | 0.2785% | 5,462 |
| Noninterest expense to average assets | 2.7853% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1232% | 6,463 |
| Return on assets (ROA) | -0.1232% | 6,513 |
| Pretax return on assets | -0.1232% | 6,501 |
| Return on Equity (ROE) | -1.4616% | 6,533 |
| Retained earnings to average equity (ytd only) | -1.4616% | 6,015 |
| Net charge-offs to loans | 0.0127% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 4,125 |
| Efficiency ratio | 104.6278% | 426 |
| Assets per employee ($millions) | 3.1356% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 6,456 |
| Loan loss allowance to noncurrent loans | 36.1429% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1315% | 3,677 |
| Noncurrent loans to loans | 2.2158% | 2,371 |
| Net loans and leases to total assets | 43.4552% | 5,715 |
| Net loans and leases to deposits | 49.6814% | 5,811 |
| Net loans and leases to core deposits | 50.3268% | 5,953 |
| Total domestic deposits to total assets | 87.4678% | 2,648 |
| Equity capital to assets | 8.7121% | 5,801 |
| Core capital (leverage) ratio | 8.5684% | 5,480 |
| Tier 1 risk-based capital ratio | 20.3674% | 1,680 |
| Total risk-based capital ratio | 21.2034% | 1,754 |
| Memoranda: | ||
| Average total assets | $74,678,000 | 5,497 |
| Average earning assets | $66,292,000 | 5,537 |
| Average equity | $6,294,500 | 5,912 |
| Average total loans | $31,416,000 | 5,827 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 4,428 |
| Cost of funding earning assets | 1.0780% | 991 |
| Net interest margin | 3.1647% | 5,654 |
| Noninterest income to average assets | 0.3004% | 5,308 |
| Noninterest expense to average assets | 3.0704% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0225% | 6,200 |
| Return on assets (ROA) | -0.0225% | 6,324 |
| Pretax return on assets | -0.0225% | 6,304 |
| Return on Equity (ROE) | -0.2363% | 6,331 |
| Retained earnings to average equity (ytd only) | -0.2363% | 5,896 |
| Net charge-offs to loans | 0.4902% | 2,272 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0938% | 5,531 |
| Efficiency ratio | 100.7393% | 534 |
| Assets per employee ($millions) | 3.3582% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 6,462 |
| Loan loss allowance to noncurrent loans | 76.0479% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 4,836 |
| Noncurrent loans to loans | 1.0691% | 4,063 |
| Net loans and leases to total assets | 40.1176% | 6,162 |
| Net loans and leases to deposits | 47.5975% | 6,134 |
| Net loans and leases to core deposits | 48.1950% | 6,256 |
| Total domestic deposits to total assets | 84.2849% | 4,189 |
| Equity capital to assets | 8.1644% | 6,309 |
| Core capital (leverage) ratio | 8.0290% | 6,167 |
| Tier 1 risk-based capital ratio | 19.0229% | 1,951 |
| Total risk-based capital ratio | 19.8038% | 2,054 |
| Memoranda: | ||
| Average total assets | $66,570,200 | 5,723 |
| Average earning assets | $57,793,800 | 5,819 |
| Average equity | $6,348,600 | 5,930 |
| Average total loans | $32,641,800 | 5,818 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 4,166 |
| Cost of funding earning assets | 1.1246% | 961 |
| Net interest margin | 3.2462% | 5,562 |
| Noninterest income to average assets | 0.3776% | 4,800 |
| Noninterest expense to average assets | 3.1797% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0104% | 6,264 |
| Return on assets (ROA) | 0.0104% | 6,394 |
| Pretax return on assets | 0.0104% | 6,384 |
| Return on Equity (ROE) | 0.1049% | 6,391 |
| Retained earnings to average equity (ytd only) | 0.1049% | 6,039 |
| Net charge-offs to loans | 0.5900% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.0343% | 5,315 |
| Efficiency ratio | 99.6730% | 548 |
| Assets per employee ($millions) | 3.0073% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,508 |
| Loan loss allowance to noncurrent loans | 41.7445% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 3,846 |
| Noncurrent loans to loans | 2.0364% | 2,808 |
| Net loans and leases to total assets | 45.1908% | 5,852 |
| Net loans and leases to deposits | 55.0094% | 5,718 |
| Net loans and leases to core deposits | 55.7989% | 5,906 |
| Total domestic deposits to total assets | 82.1510% | 4,965 |
| Equity capital to assets | 9.3250% | 5,440 |
| Core capital (leverage) ratio | 9.0229% | 5,030 |
| Tier 1 risk-based capital ratio | 19.8244% | 1,805 |
| Total risk-based capital ratio | 20.6802% | 1,865 |
| Memoranda: | ||
| Average total assets | $63,903,250 | 5,885 |
| Average earning assets | $55,366,500 | 5,954 |
| Average equity | $6,359,250 | 5,995 |
| Average total loans | $32,992,250 | 5,874 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 3,488 |
| Cost of funding earning assets | 1.1637% | 967 |
| Net interest margin | 3.4048% | 5,062 |
| Noninterest income to average assets | 0.3926% | 4,709 |
| Noninterest expense to average assets | 3.2246% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0869% | 6,191 |
| Return on assets (ROA) | 0.0869% | 6,337 |
| Pretax return on assets | 0.0869% | 6,346 |
| Return on Equity (ROE) | 0.8532% | 6,322 |
| Retained earnings to average equity (ytd only) | 0.8532% | 5,724 |
| Net charge-offs to loans | 0.6392% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2523% | 4,951 |
| Efficiency ratio | 97.3761% | 643 |
| Assets per employee ($millions) | 2.8335% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 6,373 |
| Loan loss allowance to noncurrent loans | 36.5912% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 3,514 |
| Noncurrent loans to loans | 2.5495% | 2,365 |
| Net loans and leases to total assets | 50.0253% | 5,350 |
| Net loans and leases to deposits | 61.6178% | 5,052 |
| Net loans and leases to core deposits | 62.2081% | 5,368 |
| Total domestic deposits to total assets | 81.1864% | 5,400 |
| Equity capital to assets | 9.8848% | 4,506 |
| Core capital (leverage) ratio | 9.6068% | 3,989 |
| Tier 1 risk-based capital ratio | 20.1566% | 1,675 |
| Total risk-based capital ratio | 21.1499% | 1,693 |
| Memoranda: | ||
| Average total assets | $62,148,000 | 5,972 |
| Average earning assets | $53,278,000 | 6,053 |
| Average equity | $6,329,000 | 6,032 |
| Average total loans | $33,481,000 | 5,893 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 2,670 |
| Cost of funding earning assets | 1.1865% | 1,047 |
| Net interest margin | 3.6054% | 4,243 |
| Noninterest income to average assets | 0.3628% | 4,975 |
| Noninterest expense to average assets | 3.2917% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1781% | 6,048 |
| Return on assets (ROA) | 0.1781% | 6,187 |
| Pretax return on assets | 0.1781% | 6,240 |
| Return on Equity (ROE) | 1.7218% | 6,152 |
| Retained earnings to average equity (ytd only) | 1.7218% | 5,371 |
| Net charge-offs to loans | 0.2014% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.5882% | 3,534 |
| Efficiency ratio | 94.8669% | 778 |
| Assets per employee ($millions) | 2.6829% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 5,602 |
| Loan loss allowance to noncurrent loans | 41.6579% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6676% | 3,353 |
| Noncurrent loans to loans | 2.8266% | 2,283 |
| Net loans and leases to total assets | 53.9964% | 4,722 |
| Net loans and leases to deposits | 67.0969% | 4,214 |
| Net loans and leases to core deposits | 67.7794% | 4,706 |
| Total domestic deposits to total assets | 80.4752% | 5,729 |
| Equity capital to assets | 10.1741% | 3,883 |
| Core capital (leverage) ratio | 10.0963% | 3,245 |
| Tier 1 risk-based capital ratio | 20.7729% | 1,533 |
| Total risk-based capital ratio | 22.0099% | 1,505 |
| Memoranda: | ||
| Average total assets | $60,636,500 | 6,045 |
| Average earning assets | $52,255,000 | 6,126 |
| Average equity | $6,272,500 | 6,081 |
| Average total loans | $33,767,000 | 5,922 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 4,080 |
| Cost of funding earning assets | 1.5440% | 600 |
| Net interest margin | 3.1961% | 6,105 |
| Noninterest income to average assets | 0.6798% | 2,728 |
| Noninterest expense to average assets | 3.5481% | 1,870 |
| Loan and lease loss provision to assets | 0.4496% | 2,358 |
| Net operating income to assets | -0.5521% | 6,525 |
| Return on assets (ROA) | -0.5431% | 6,561 |
| Pretax return on assets | -0.5431% | 6,519 |
| Return on Equity (ROE) | -4.8051% | 6,518 |
| Retained earnings to average equity (ytd only) | -4.8051% | 6,432 |
| Net charge-offs to loans | 0.3876% | 3,475 |
| Credit loss provision to net charge-offs | 186.5672% | 1,386 |
| Earnings coverage of net charge-offs (x) | -0.4254% | 6,052 |
| Efficiency ratio | 102.9749% | 593 |
| Assets per employee ($millions) | 2.5899% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,281 |
| Loan loss allowance to noncurrent loans | 34.6444% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 2.1337% | 2,813 |
| Noncurrent loans to loans | 3.5336% | 1,816 |
| Net loans and leases to total assets | 56.0780% | 4,683 |
| Net loans and leases to deposits | 70.3657% | 4,036 |
| Net loans and leases to core deposits | 70.3657% | 4,736 |
| Total domestic deposits to total assets | 79.6951% | 5,818 |
| Equity capital to assets | 10.5209% | 3,512 |
| Core capital (leverage) ratio | 10.4305% | 2,809 |
| Tier 1 risk-based capital ratio | 20.7396% | 1,472 |
| Total risk-based capital ratio | 21.9900% | 1,444 |
| Memoranda: | ||
| Average total assets | $55,606,600 | 6,178 |
| Average earning assets | $48,121,800 | 6,254 |
| Average equity | $6,285,000 | 6,081 |
| Average total loans | $34,568,400 | 5,933 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 4,236 |
| Cost of funding earning assets | 1.5874% | 617 |
| Net interest margin | 3.1607% | 6,258 |
| Noninterest income to average assets | 0.6591% | 2,832 |
| Noninterest expense to average assets | 3.6057% | 1,697 |
| Loan and lease loss provision to assets | 0.6103% | 1,615 |
| Net operating income to assets | -0.8154% | 6,802 |
| Return on assets (ROA) | -0.8154% | 6,841 |
| Pretax return on assets | -0.8154% | 6,791 |
| Return on Equity (ROE) | -7.0804% | 6,773 |
| Retained earnings to average equity (ytd only) | -7.0804% | 6,711 |
| Net charge-offs to loans | 0.1228% | 4,809 |
| Credit loss provision to net charge-offs | 781.2500% | 344 |
| Earnings coverage of net charge-offs (x) | -2.6248% | 6,050 |
| Efficiency ratio | 106.0302% | 501 |
| Assets per employee ($millions) | 2.5364% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 4,024 |
| Loan loss allowance to noncurrent loans | 30.8289% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 3.0049% | 2,136 |
| Noncurrent loans to loans | 4.9163% | 1,278 |
| Net loans and leases to total assets | 57.5851% | 4,569 |
| Net loans and leases to deposits | 72.5760% | 3,877 |
| Net loans and leases to core deposits | 72.5760% | 4,641 |
| Total domestic deposits to total assets | 79.3445% | 5,902 |
| Equity capital to assets | 10.5249% | 3,675 |
| Core capital (leverage) ratio | 10.3819% | 3,003 |
| Tier 1 risk-based capital ratio | 20.7537% | 1,510 |
| Total risk-based capital ratio | 22.0111% | 1,479 |
| Memoranda: | ||
| Average total assets | $54,616,500 | 6,258 |
| Average earning assets | $47,373,000 | 6,326 |
| Average equity | $6,289,500 | 6,116 |
| Average total loans | $34,756,000 | 5,978 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 3,730 |
| Cost of funding earning assets | 1.6210% | 647 |
| Net interest margin | 3.2549% | 5,991 |
| Noninterest income to average assets | 0.6257% | 2,973 |
| Noninterest expense to average assets | 3.6421% | 1,645 |
| Loan and lease loss provision to assets | 0.9368% | 942 |
| Net operating income to assets | -1.1241% | 6,985 |
| Return on assets (ROA) | -1.1241% | 6,992 |
| Pretax return on assets | -1.1241% | 6,938 |
| Return on Equity (ROE) | -9.4647% | 6,920 |
| Retained earnings to average equity (ytd only) | -9.4647% | 6,856 |
| Net charge-offs to loans | 0.0400% | 5,292 |
| Credit loss provision to net charge-offs | 3,571.4286% | 92 |
| Earnings coverage of net charge-offs (x) | -7.1429% | 5,814 |
| Efficiency ratio | 105.4230% | 575 |
| Assets per employee ($millions) | 2.3913% | 7,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 3,834 |
| Loan loss allowance to noncurrent loans | 31.3987% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 3.3146% | 2,004 |
| Noncurrent loans to loans | 4.9933% | 1,308 |
| Net loans and leases to total assets | 61.7557% | 3,941 |
| Net loans and leases to deposits | 79.2094% | 2,938 |
| Net loans and leases to core deposits | 79.2094% | 3,900 |
| Total domestic deposits to total assets | 77.9651% | 6,295 |
| Equity capital to assets | 11.2438% | 2,729 |
| Core capital (leverage) ratio | 11.0773% | 2,189 |
| Tier 1 risk-based capital ratio | 20.4436% | 1,521 |
| Total risk-based capital ratio | 21.6990% | 1,494 |
| Memoranda: | ||
| Average total assets | $53,376,000 | 6,358 |
| Average earning assets | $46,391,000 | 6,428 |
| Average equity | $6,339,330 | 6,128 |
| Average total loans | $34,971,000 | 6,028 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 3,693 |
| Cost of funding earning assets | 1.6436% | 691 |
| Net interest margin | 3.2347% | 5,970 |
| Noninterest income to average assets | 0.6697% | 2,729 |
| Noninterest expense to average assets | 3.6146% | 1,736 |
| Loan and lease loss provision to assets | 0.1141% | 4,584 |
| Net operating income to assets | -0.2435% | 6,604 |
| Return on assets (ROA) | -0.2435% | 6,617 |
| Pretax return on assets | -0.2435% | 6,573 |
| Return on Equity (ROE) | -1.9947% | 6,583 |
| Retained earnings to average equity (ytd only) | -1.9947% | 6,143 |
| Net charge-offs to loans | 0.0909% | 4,033 |
| Credit loss provision to net charge-offs | 187.5000% | 1,564 |
| Earnings coverage of net charge-offs (x) | -2.1250% | 4,964 |
| Efficiency ratio | 103.7118% | 635 |
| Assets per employee ($millions) | 2.3357% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 6,740 |
| Loan loss allowance to noncurrent loans | 17.7186% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 3.4009% | 2,007 |
| Noncurrent loans to loans | 4.9857% | 1,350 |
| Net loans and leases to total assets | 63.9098% | 3,446 |
| Net loans and leases to deposits | 83.2073% | 2,155 |
| Net loans and leases to core deposits | 83.2073% | 3,279 |
| Total domestic deposits to total assets | 76.8080% | 6,567 |
| Equity capital to assets | 11.9227% | 1,963 |
| Core capital (leverage) ratio | 11.8264% | 1,660 |
| Tier 1 risk-based capital ratio | 23.1156% | 1,067 |
| Total risk-based capital ratio | 24.2309% | 1,072 |
| Memoranda: | ||
| Average total assets | $52,564,500 | 6,437 |
| Average earning assets | $45,753,500 | 6,495 |
| Average equity | $6,417,000 | 6,124 |
| Average total loans | $35,203,500 | 6,068 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 3,068 |
| Cost of funding earning assets | 1.9447% | 731 |
| Net interest margin | 3.3679% | 5,737 |
| Noninterest income to average assets | 0.6555% | 3,115 |
| Noninterest expense to average assets | 3.6065% | 1,907 |
| Loan and lease loss provision to assets | 0.0967% | 6,177 |
| Net operating income to assets | -0.1006% | 5,992 |
| Return on assets (ROA) | -0.0986% | 6,048 |
| Pretax return on assets | -0.0986% | 5,996 |
| Return on Equity (ROE) | -0.7808% | 6,045 |
| Retained earnings to average equity (ytd only) | -0.7808% | 5,765 |
| Net charge-offs to loans | 0.0106% | 6,724 |
| Credit loss provision to net charge-offs | 1,250.0000% | 182 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 6,454 |
| Efficiency ratio | 100.1074% | 769 |
| Assets per employee ($millions) | 2.2351% | 7,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 6,891 |
| Loan loss allowance to noncurrent loans | 15.7700% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 3.8827% | 1,756 |
| Noncurrent loans to loans | 5.3008% | 1,252 |
| Net loans and leases to total assets | 68.9951% | 2,751 |
| Net loans and leases to deposits | 91.0816% | 1,388 |
| Net loans and leases to core deposits | 91.0816% | 2,609 |
| Total domestic deposits to total assets | 75.7509% | 6,664 |
| Equity capital to assets | 12.5058% | 1,630 |
| Core capital (leverage) ratio | 12.4208% | 1,339 |
| Tier 1 risk-based capital ratio | 23.1465% | 1,017 |
| Total risk-based capital ratio | 24.2321% | 1,020 |
| Memoranda: | ||
| Average total assets | $51,712,600 | 6,475 |
| Average earning assets | $45,251,000 | 6,529 |
| Average equity | $6,532,000 | 6,192 |
| Average total loans | $37,739,000 | 6,026 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 2,820 |
| Cost of funding earning assets | 1.9759% | 808 |
| Net interest margin | 3.4373% | 5,541 |
| Noninterest income to average assets | 0.6977% | 2,825 |
| Noninterest expense to average assets | 3.5528% | 1,901 |
| Loan and lease loss provision to assets | 0.0901% | 6,139 |
| Net operating income to assets | 0.0644% | 5,858 |
| Return on assets (ROA) | 0.0669% | 5,985 |
| Pretax return on assets | 0.0669% | 5,973 |
| Return on Equity (ROE) | 0.5287% | 6,004 |
| Retained earnings to average equity (ytd only) | 0.5287% | 5,586 |
| Net charge-offs to loans | 0.0070% | 6,568 |
| Credit loss provision to net charge-offs | 1,750.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 29.9625% | 880 |
| Efficiency ratio | 95.8333% | 911 |
| Assets per employee ($millions) | 2.2805% | 7,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 7,047 |
| Loan loss allowance to noncurrent loans | 16.1199% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 3.5214% | 2,021 |
| Noncurrent loans to loans | 4.8315% | 1,453 |
| Net loans and leases to total assets | 69.2227% | 2,926 |
| Net loans and leases to deposits | 95.3592% | 1,059 |
| Net loans and leases to core deposits | 95.9970% | 2,261 |
| Total domestic deposits to total assets | 72.5916% | 7,071 |
| Equity capital to assets | 12.5126% | 1,850 |
| Core capital (leverage) ratio | 12.3389% | 1,485 |
| Tier 1 risk-based capital ratio | 25.0301% | 861 |
| Total risk-based capital ratio | 26.1359% | 855 |
| Memoranda: | ||
| Average total assets | $51,788,750 | 6,548 |
| Average earning assets | $45,345,000 | 6,610 |
| Average equity | $6,557,750 | 6,255 |
| Average total loans | $38,231,750 | 6,085 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5481% | 2,335 |
| Cost of funding earning assets | 2.0352% | 809 |
| Net interest margin | 3.5129% | 5,202 |
| Noninterest income to average assets | 0.6710% | 2,883 |
| Noninterest expense to average assets | 3.4944% | 2,042 |
| Loan and lease loss provision to assets | 0.0776% | 6,164 |
| Net operating income to assets | 0.1784% | 5,638 |
| Return on assets (ROA) | 0.1784% | 5,762 |
| Pretax return on assets | 0.1784% | 5,820 |
| Return on Equity (ROE) | 1.4033% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.4033% | 5,176 |
| Net charge-offs to loans | 0.0103% | 6,206 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 851 |
| Efficiency ratio | 93.1748% | 1,110 |
| Assets per employee ($millions) | 2.5824% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 7,236 |
| Loan loss allowance to noncurrent loans | 16.5746% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 3.2005% | 2,215 |
| Noncurrent loans to loans | 4.2612% | 1,746 |
| Net loans and leases to total assets | 73.4956% | 2,033 |
| Net loans and leases to deposits | 101.7558% | 604 |
| Net loans and leases to core deposits | 102.4451% | 1,787 |
| Total domestic deposits to total assets | 72.2274% | 7,169 |
| Equity capital to assets | 12.7207% | 1,679 |
| Core capital (leverage) ratio | 12.5672% | 1,381 |
| Tier 1 risk-based capital ratio | 23.2379% | 1,035 |
| Total risk-based capital ratio | 24.2074% | 1,054 |
| Memoranda: | ||
| Average total assets | $51,568,000 | 6,597 |
| Average earning assets | $45,204,330 | 6,659 |
| Average equity | $6,556,000 | 6,283 |
| Average total loans | $38,778,000 | 6,101 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 2,672 |
| Cost of funding earning assets | 1.9969% | 1,096 |
| Net interest margin | 3.4859% | 5,219 |
| Noninterest income to average assets | 0.6288% | 3,094 |
| Noninterest expense to average assets | 3.2759% | 2,609 |
| Loan and lease loss provision to assets | 0.0388% | 6,287 |
| Net operating income to assets | 0.4037% | 4,820 |
| Return on assets (ROA) | 0.4037% | 4,970 |
| Pretax return on assets | 0.4037% | 5,282 |
| Return on Equity (ROE) | 3.1761% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.1761% | 4,238 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1002% | 1,577 |
| Assets per employee ($millions) | 2.8140% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6094% | 7,484 |
| Loan loss allowance to noncurrent loans | 12.3125% | 7,283 |
| Noncurrent assets plus other real estate owned to assets | 3.8679% | 1,785 |
| Noncurrent loans to loans | 4.9493% | 1,470 |
| Net loans and leases to total assets | 72.6031% | 2,300 |
| Net loans and leases to deposits | 108.4181% | 331 |
| Net loans and leases to core deposits | 109.1835% | 1,336 |
| Total domestic deposits to total assets | 66.9659% | 7,574 |
| Equity capital to assets | 12.3069% | 1,871 |
| Core capital (leverage) ratio | 12.1544% | 1,568 |
| Tier 1 risk-based capital ratio | 23.0285% | 1,075 |
| Total risk-based capital ratio | 23.8743% | 1,106 |
| Memoranda: | ||
| Average total assets | $51,528,000 | 6,677 |
| Average earning assets | $45,670,000 | 6,720 |
| Average equity | $6,549,000 | 6,332 |
| Average total loans | $39,052,500 | 6,165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0612% | 1,635 |
| Cost of funding earning assets | 2.2982% | 1,669 |
| Net interest margin | 3.7630% | 3,861 |
| Noninterest income to average assets | 0.8559% | 2,156 |
| Noninterest expense to average assets | 3.9718% | 1,400 |
| Loan and lease loss provision to assets | 0.0204% | 7,298 |
| Net operating income to assets | 0.2405% | 4,758 |
| Return on assets (ROA) | 0.2405% | 4,839 |
| Pretax return on assets | 0.2405% | 4,913 |
| Return on Equity (ROE) | 1.8348% | 4,968 |
| Retained earnings to average equity (ytd only) | 1.8348% | 3,813 |
| Net charge-offs to loans | 0.1100% | 6,060 |
| Credit loss provision to net charge-offs | 23.2558% | 6,927 |
| Earnings coverage of net charge-offs (x) | 2.9767% | 3,589 |
| Efficiency ratio | 93.8373% | 1,424 |
| Assets per employee ($millions) | 2.9171% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 7,560 |
| Loan loss allowance to noncurrent loans | 15.1102% | 7,255 |
| Noncurrent assets plus other real estate owned to assets | 3.3817% | 2,004 |
| Noncurrent loans to loans | 3.9489% | 1,874 |
| Net loans and leases to total assets | 78.2738% | 1,327 |
| Net loans and leases to deposits | 123.3860% | 136 |
| Net loans and leases to core deposits | 141.0260% | 773 |
| Total domestic deposits to total assets | 63.4382% | 7,721 |
| Equity capital to assets | 13.1438% | 1,449 |
| Core capital (leverage) ratio | 12.9982% | 1,256 |
| Tier 1 risk-based capital ratio | 23.5795% | 987 |
| Total risk-based capital ratio | 24.4342% | 1,004 |
| Memoranda: | ||
| Average total assets | $49,070,800 | 6,746 |
| Average earning assets | $44,034,200 | 6,766 |
| Average equity | $6,431,200 | 6,451 |
| Average total loans | $39,074,200 | 6,153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0751% | 1,744 |
| Cost of funding earning assets | 2.3521% | 1,799 |
| Net interest margin | 3.7230% | 3,979 |
| Noninterest income to average assets | 0.8881% | 2,036 |
| Noninterest expense to average assets | 4.1300% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1171% | 5,416 |
| Return on assets (ROA) | 0.1171% | 5,474 |
| Pretax return on assets | 0.1171% | 5,490 |
| Return on Equity (ROE) | 0.8945% | 5,531 |
| Retained earnings to average equity (ytd only) | 0.8945% | 4,808 |
| Net charge-offs to loans | 0.1262% | 5,436 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.1622% | 4,903 |
| Efficiency ratio | 97.2418% | 1,197 |
| Assets per employee ($millions) | 2.5745% | 7,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 7,618 |
| Loan loss allowance to noncurrent loans | 15.5676% | 7,305 |
| Noncurrent assets plus other real estate owned to assets | 3.2832% | 2,061 |
| Noncurrent loans to loans | 3.6924% | 2,025 |
| Net loans and leases to total assets | 80.9755% | 981 |
| Net loans and leases to deposits | 126.4727% | 131 |
| Net loans and leases to core deposits | 146.4542% | 672 |
| Total domestic deposits to total assets | 64.0261% | 7,764 |
| Equity capital to assets | 13.2063% | 1,621 |
| Core capital (leverage) ratio | 13.0307% | 1,369 |
| Tier 1 risk-based capital ratio | 23.4645% | 1,055 |
| Total risk-based capital ratio | 24.3102% | 1,072 |
| Memoranda: | ||
| Average total assets | $48,941,000 | 6,808 |
| Average earning assets | $44,157,250 | 6,811 |
| Average equity | $6,409,500 | 6,520 |
| Average total loans | $39,080,500 | 6,196 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1407% | 1,646 |
| Cost of funding earning assets | 2.4163% | 1,900 |
| Net interest margin | 3.7244% | 3,856 |
| Noninterest income to average assets | 0.9030% | 1,979 |
| Noninterest expense to average assets | 4.2575% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0041% | 5,848 |
| Return on assets (ROA) | -0.0041% | 5,927 |
| Pretax return on assets | -0.0041% | 5,875 |
| Return on Equity (ROE) | -0.0313% | 5,933 |
| Retained earnings to average equity (ytd only) | -0.0313% | 5,221 |
| Net charge-offs to loans | 0.1906% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.0270% | 5,719 |
| Efficiency ratio | 100.0961% | 1,170 |
| Assets per employee ($millions) | 2.4721% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 7,663 |
| Loan loss allowance to noncurrent loans | 22.7183% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 2.3644% | 2,749 |
| Noncurrent loans to loans | 2.5695% | 2,822 |
| Net loans and leases to total assets | 78.8823% | 1,547 |
| Net loans and leases to deposits | 123.9780% | 178 |
| Net loans and leases to core deposits | 144.0693% | 835 |
| Total domestic deposits to total assets | 63.6261% | 7,849 |
| Equity capital to assets | 12.8838% | 1,745 |
| Core capital (leverage) ratio | 12.7824% | 1,517 |
| Tier 1 risk-based capital ratio | 23.3112% | 1,105 |
| Total risk-based capital ratio | 24.1574% | 1,116 |
| Memoranda: | ||
| Average total assets | $48,949,330 | 6,871 |
| Average earning assets | $44,034,330 | 6,880 |
| Average equity | $6,392,670 | 6,575 |
| Average total loans | $38,827,670 | 6,255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2262% | 1,512 |
| Cost of funding earning assets | 2.4284% | 2,182 |
| Net interest margin | 3.7978% | 3,449 |
| Noninterest income to average assets | 1.0020% | 1,478 |
| Noninterest expense to average assets | 3.7944% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6242% | 3,918 |
| Return on assets (ROA) | 0.6242% | 4,097 |
| Pretax return on assets | 0.6242% | 4,677 |
| Return on Equity (ROE) | 4.7470% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.7470% | 3,266 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8736% | 2,082 |
| Assets per employee ($millions) | 2.5056% | 7,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 7,506 |
| Loan loss allowance to noncurrent loans | 37.5176% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 1.8259% | 3,177 |
| Noncurrent loans to loans | 1.8134% | 3,542 |
| Net loans and leases to total assets | 77.4900% | 1,934 |
| Net loans and leases to deposits | 117.4561% | 347 |
| Net loans and leases to core deposits | 134.3261% | 1,399 |
| Total domestic deposits to total assets | 65.9735% | 7,732 |
| Equity capital to assets | 12.9153% | 1,786 |
| Core capital (leverage) ratio | 12.7751% | 1,568 |
| Tier 1 risk-based capital ratio | 23.4329% | 1,147 |
| Total risk-based capital ratio | 24.4091% | 1,150 |
| Memoranda: | ||
| Average total assets | $48,703,000 | 6,917 |
| Average earning assets | $43,814,500 | 6,943 |
| Average equity | $6,404,000 | 6,611 |
| Average total loans | $38,626,500 | 6,300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6297% | 2,343 |
| Cost of funding earning assets | 2.7553% | 2,901 |
| Net interest margin | 3.8744% | 3,683 |
| Noninterest income to average assets | 0.7295% | 2,912 |
| Noninterest expense to average assets | 3.5781% | 2,206 |
| Loan and lease loss provision to assets | 0.3199% | 3,812 |
| Net operating income to assets | 0.2812% | 5,610 |
| Return on assets (ROA) | 0.2812% | 5,419 |
| Pretax return on assets | 0.2812% | 5,548 |
| Return on Equity (ROE) | 2.2024% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.2024% | 3,845 |
| Net charge-offs to loans | 0.1019% | 5,294 |
| Credit loss provision to net charge-offs | 402.5641% | 1,089 |
| Earnings coverage of net charge-offs (x) | 7.5641% | 3,077 |
| Efficiency ratio | 85.6168% | 1,896 |
| Assets per employee ($millions) | 2.3648% | 7,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 7,433 |
| Loan loss allowance to noncurrent loans | 36.5385% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 1.9516% | 2,516 |
| Noncurrent loans to loans | 1.9080% | 2,887 |
| Net loans and leases to total assets | 80.1142% | 1,642 |
| Net loans and leases to deposits | 124.8229% | 288 |
| Net loans and leases to core deposits | 141.4915% | 1,187 |
| Total domestic deposits to total assets | 64.1823% | 7,782 |
| Equity capital to assets | 13.3968% | 1,632 |
| Core capital (leverage) ratio | 13.3513% | 1,431 |
| Tier 1 risk-based capital ratio | 21.0581% | 1,452 |
| Total risk-based capital ratio | 21.9459% | 1,479 |
| Memoranda: | ||
| Average total assets | $49,076,600 | 6,819 |
| Average earning assets | $43,697,400 | 6,867 |
| Average equity | $6,266,000 | 6,707 |
| Average total loans | $38,268,200 | 6,258 |