Home > Conway Bank > Performance and Condition Ratios
Conway Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 832 |
| Cost of funding earning assets | 1.0795% | 3,116 |
| Net interest margin | 4.7227% | 467 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 3.9849% | 370 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.3914% | 3,889 |
| Return on assets (ROA) | 0.3929% | 3,878 |
| Pretax return on assets | 0.4863% | 3,833 |
| Return on Equity (ROE) | 5.2400% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.2399% | 2,511 |
| Net charge-offs to loans | 0.0841% | 1,023 |
| Credit loss provision to net charge-offs | 358.3333% | 838 |
| Earnings coverage of net charge-offs (x) | 11.8833% | 2,170 |
| Efficiency ratio | 82.4740% | 752 |
| Assets per employee ($millions) | 3.5679% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 1,217 |
| Loan loss allowance to noncurrent loans | 27.6235% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 3.9992% | 38 |
| Noncurrent loans to loans | 5.2343% | 44 |
| Net loans and leases to total assets | 70.7500% | 1,731 |
| Net loans and leases to deposits | 91.5600% | 1,135 |
| Net loans and leases to core deposits | 96.5039% | 1,625 |
| Total domestic deposits to total assets | 77.2700% | 3,814 |
| Equity capital to assets | 7.7539% | 3,572 |
| Core capital (leverage) ratio | 8.1681% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8178% | 1,930 |
| Memoranda: | ||
| Average total assets | $102,814,000 | 3,805 |
| Average earning assets | $93,653,400 | 3,803 |
| Average equity | $7,710,000 | 3,967 |
| Average total loans | $71,374,000 | 3,529 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 722 |
| Cost of funding earning assets | 1.0029% | 3,032 |
| Net interest margin | 4.7558% | 432 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.9655% | 368 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.4115% | 3,945 |
| Return on assets (ROA) | 0.4156% | 3,929 |
| Pretax return on assets | 0.5468% | 3,829 |
| Return on Equity (ROE) | 5.5900% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.5905% | 2,752 |
| Net charge-offs to loans | 0.1132% | 706 |
| Credit loss provision to net charge-offs | 258.3333% | 967 |
| Earnings coverage of net charge-offs (x) | 9.5333% | 2,161 |
| Efficiency ratio | 81.5172% | 759 |
| Assets per employee ($millions) | 3.8034% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,312 |
| Loan loss allowance to noncurrent loans | 26.9824% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 3.9030% | 40 |
| Noncurrent loans to loans | 5.3132% | 47 |
| Net loans and leases to total assets | 67.8900% | 2,053 |
| Net loans and leases to deposits | 86.9570% | 1,473 |
| Net loans and leases to core deposits | 88.9133% | 1,996 |
| Total domestic deposits to total assets | 78.0700% | 3,808 |
| Equity capital to assets | 7.2772% | 3,478 |
| Core capital (leverage) ratio | 7.8116% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7803% | 1,982 |
| Memoranda: | ||
| Average total assets | $102,650,000 | 3,823 |
| Average earning assets | $93,329,250 | 3,826 |
| Average equity | $7,631,750 | 3,978 |
| Average total loans | $70,647,750 | 3,546 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 609 |
| Cost of funding earning assets | 0.9229% | 2,854 |
| Net interest margin | 4.8070% | 405 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 3.9499% | 354 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.4969% | 3,818 |
| Return on assets (ROA) | 0.4969% | 3,822 |
| Pretax return on assets | 0.6547% | 3,693 |
| Return on Equity (ROE) | 6.6400% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.6366% | 2,402 |
| Net charge-offs to loans | 0.0850% | 755 |
| Credit loss provision to net charge-offs | 266.6667% | 924 |
| Earnings coverage of net charge-offs (x) | 13.8667% | 1,896 |
| Efficiency ratio | 80.3111% | 819 |
| Assets per employee ($millions) | 3.7751% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 1,822 |
| Loan loss allowance to noncurrent loans | 26.3889% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 3.7104% | 45 |
| Noncurrent loans to loans | 5.0176% | 49 |
| Net loans and leases to total assets | 68.3200% | 1,934 |
| Net loans and leases to deposits | 86.9388% | 1,430 |
| Net loans and leases to core deposits | 88.2661% | 1,910 |
| Total domestic deposits to total assets | 78.5800% | 3,776 |
| Equity capital to assets | 7.3044% | 3,630 |
| Core capital (leverage) ratio | 7.6434% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2793% | 2,179 |
| Memoranda: | ||
| Average total assets | $102,636,333 | 3,834 |
| Average earning assets | $93,405,667 | 3,840 |
| Average equity | $7,684,667 | 3,985 |
| Average total loans | $70,620,333 | 3,551 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9031% | 353 |
| Cost of funding earning assets | 0.7700% | 2,838 |
| Net interest margin | 5.1331% | 242 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 4.0355% | 344 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.6955% | 3,483 |
| Return on assets (ROA) | 0.6924% | 3,443 |
| Pretax return on assets | 0.9100% | 3,209 |
| Return on Equity (ROE) | 9.1300% | 3,011 |
| Retained earnings to average equity (ytd only) | 9.1306% | 1,907 |
| Net charge-offs to loans | 0.1558% | 444 |
| Credit loss provision to net charge-offs | 111.1111% | 1,060 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,682 |
| Efficiency ratio | 77.1272% | 1,076 |
| Assets per employee ($millions) | 4.0027% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,070 |
| Loan loss allowance to noncurrent loans | 24.9122% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 3.7965% | 27 |
| Noncurrent loans to loans | 5.1849% | 53 |
| Net loans and leases to total assets | 67.7000% | 1,868 |
| Net loans and leases to deposits | 83.4623% | 1,538 |
| Net loans and leases to core deposits | 84.7055% | 1,944 |
| Total domestic deposits to total assets | 81.1200% | 3,620 |
| Equity capital to assets | 7.4796% | 3,575 |
| Core capital (leverage) ratio | 7.8135% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5919% | 2,143 |
| Memoranda: | ||
| Average total assets | $101,102,500 | 3,903 |
| Average earning assets | $91,952,000 | 3,896 |
| Average equity | $7,666,500 | 4,036 |
| Average total loans | $69,339,000 | 3,619 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 1,655 |
| Cost of funding earning assets | 0.4477% | 1,737 |
| Net interest margin | 3.5753% | 1,713 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.6719% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0750% | 4,526 |
| Return on assets (ROA) | 0.0780% | 4,512 |
| Pretax return on assets | 0.1073% | 4,499 |
| Return on Equity (ROE) | 0.9800% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.9816% | 4,206 |
| Net charge-offs to loans | -0.2324% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 93.9018% | 228 |
| Assets per employee ($millions) | 3.6346% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 1,993 |
| Loan loss allowance to noncurrent loans | 22.4511% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 4.1626% | 24 |
| Noncurrent loans to loans | 5.6985% | 42 |
| Net loans and leases to total assets | 67.7000% | 1,863 |
| Net loans and leases to deposits | 82.1721% | 1,604 |
| Net loans and leases to core deposits | 83.0276% | 1,933 |
| Total domestic deposits to total assets | 82.3900% | 3,552 |
| Equity capital to assets | 7.6925% | 3,261 |
| Core capital (leverage) ratio | 7.7966% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0162% | 1,974 |
| Memoranda: | ||
| Average total assets | $102,509,400 | 3,905 |
| Average earning assets | $93,363,400 | 3,904 |
| Average equity | $8,150,000 | 4,087 |
| Average total loans | $63,680,800 | 3,674 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 1,804 |
| Cost of funding earning assets | 0.4227% | 790 |
| Net interest margin | 3.1891% | 2,225 |
| Noninterest income to average assets | 0.6357% | 1,596 |
| Noninterest expense to average assets | 3.4661% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0757% | 4,533 |
| Return on assets (ROA) | 0.0742% | 4,502 |
| Pretax return on assets | 0.0971% | 4,492 |
| Return on Equity (ROE) | 0.9096% | 4,471 |
| Retained earnings to average equity (ytd only) | 0.9096% | 4,014 |
| Net charge-offs to loans | -0.3837% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7533% | 295 |
| Assets per employee ($millions) | 4.1272% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,119 |
| Loan loss allowance to noncurrent loans | 57.4879% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 199 |
| Noncurrent loans to loans | 2.2865% | 268 |
| Net loans and leases to total assets | 60.6100% | 2,261 |
| Net loans and leases to deposits | 70.5281% | 2,153 |
| Net loans and leases to core deposits | 71.1954% | 2,400 |
| Total domestic deposits to total assets | 85.9373% | 3,264 |
| Equity capital to assets | 7.4171% | 3,521 |
| Core capital (leverage) ratio | 7.4434% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2581% | 1,954 |
| Memoranda: | ||
| Average total assets | $105,075,333 | 3,947 |
| Average earning assets | $96,515,333 | 3,950 |
| Average equity | $8,575,000 | 4,144 |
| Average total loans | $62,554,667 | 3,751 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 1,753 |
| Cost of funding earning assets | 0.4263% | 748 |
| Net interest margin | 3.0904% | 2,204 |
| Noninterest income to average assets | 0.7696% | 1,119 |
| Noninterest expense to average assets | 3.4106% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1547% | 4,395 |
| Return on assets (ROA) | 0.1547% | 4,364 |
| Pretax return on assets | 0.2037% | 4,323 |
| Return on Equity (ROE) | 1.8150% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.8150% | 3,591 |
| Net charge-offs to loans | -0.7724% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9186% | 509 |
| Assets per employee ($millions) | 3.9426% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 2,140 |
| Loan loss allowance to noncurrent loans | 58.4151% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.5744% | 225 |
| Noncurrent loans to loans | 2.3006% | 285 |
| Net loans and leases to total assets | 57.4461% | 2,362 |
| Net loans and leases to deposits | 69.4428% | 2,014 |
| Net loans and leases to core deposits | 70.1027% | 2,285 |
| Total domestic deposits to total assets | 82.7244% | 3,975 |
| Equity capital to assets | 8.0704% | 3,514 |
| Core capital (leverage) ratio | 7.5363% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1823% | 1,727 |
| Memoranda: | ||
| Average total assets | $106,022,500 | 3,957 |
| Average earning assets | $97,592,500 | 3,953 |
| Average equity | $9,036,000 | 4,155 |
| Average total loans | $62,146,500 | 3,758 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 560 |
| Cost of funding earning assets | 0.5621% | 660 |
| Net interest margin | 3.9833% | 738 |
| Noninterest income to average assets | 0.3890% | 3,109 |
| Noninterest expense to average assets | 3.5071% | 467 |
| Loan and lease loss provision to assets | 0.2314% | 430 |
| Net operating income to assets | 0.1931% | 4,543 |
| Return on assets (ROA) | 0.2021% | 4,553 |
| Pretax return on assets | 0.3220% | 4,473 |
| Return on Equity (ROE) | 2.2084% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.0020% | 3,981 |
| Net charge-offs to loans | 0.7824% | 88 |
| Credit loss provision to net charge-offs | 46.1394% | 2,160 |
| Earnings coverage of net charge-offs (x) | 1.0810% | 2,629 |
| Efficiency ratio | 83.5821% | 596 |
| Assets per employee ($millions) | 3.7712% | 4,506 |
| Cash dividends to net income (ytd only)* | 9.3458% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,152 |
| Loan loss allowance to noncurrent loans | 37.8852% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 154 |
| Noncurrent loans to loans | 3.0205% | 193 |
| Net loans and leases to total assets | 58.3319% | 2,336 |
| Net loans and leases to deposits | 71.3483% | 1,975 |
| Net loans and leases to core deposits | 71.8292% | 2,276 |
| Total domestic deposits to total assets | 81.7565% | 4,002 |
| Equity capital to assets | 8.9787% | 3,640 |
| Core capital (leverage) ratio | 7.7389% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7379% | 1,604 |
| Memoranda: | ||
| Average total assets | $105,899,800 | 3,933 |
| Average earning assets | $97,306,000 | 3,935 |
| Average equity | $9,690,200 | 4,167 |
| Average total loans | $67,867,800 | 3,685 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 372 |
| Cost of funding earning assets | 0.5876% | 678 |
| Net interest margin | 4.2731% | 482 |
| Noninterest income to average assets | 0.3938% | 3,129 |
| Noninterest expense to average assets | 3.4963% | 460 |
| Loan and lease loss provision to assets | 0.1255% | 931 |
| Net operating income to assets | 0.5295% | 4,144 |
| Return on assets (ROA) | 0.5385% | 4,166 |
| Pretax return on assets | 0.7083% | 4,052 |
| Return on Equity (ROE) | 5.8574% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.5836% | 3,005 |
| Net charge-offs to loans | 0.0385% | 1,315 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 32.7000% | 1,480 |
| Efficiency ratio | 78.0950% | 866 |
| Assets per employee ($millions) | 3.8242% | 4,535 |
| Cash dividends to net income (ytd only)* | 4.6729% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 924 |
| Loan loss allowance to noncurrent loans | 74.5166% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5858% | 306 |
| Noncurrent loans to loans | 2.4175% | 318 |
| Net loans and leases to total assets | 54.9306% | 2,857 |
| Net loans and leases to deposits | 67.4557% | 2,488 |
| Net loans and leases to core deposits | 67.9051% | 2,785 |
| Total domestic deposits to total assets | 81.4321% | 4,026 |
| Equity capital to assets | 9.2905% | 3,565 |
| Core capital (leverage) ratio | 7.8230% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6912% | 1,429 |
| Memoranda: | ||
| Average total assets | $105,976,250 | 3,983 |
| Average earning assets | $97,350,000 | 3,984 |
| Average equity | $9,742,500 | 4,216 |
| Average total loans | $69,257,750 | 3,715 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 555 |
| Cost of funding earning assets | 0.6214% | 668 |
| Net interest margin | 4.0514% | 752 |
| Noninterest income to average assets | 0.4053% | 3,084 |
| Noninterest expense to average assets | 3.4694% | 483 |
| Loan and lease loss provision to assets | 0.1136% | 1,112 |
| Net operating income to assets | 0.4190% | 4,348 |
| Return on assets (ROA) | 0.4280% | 4,376 |
| Pretax return on assets | 0.5625% | 4,291 |
| Return on Equity (ROE) | 4.6723% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.6723% | 3,308 |
| Net charge-offs to loans | 0.0608% | 1,001 |
| Credit loss provision to net charge-offs | 272.7273% | 932 |
| Earnings coverage of net charge-offs (x) | 15.9545% | 1,621 |
| Efficiency ratio | 80.8978% | 731 |
| Assets per employee ($millions) | 3.5334% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,655 |
| Loan loss allowance to noncurrent loans | 63.3476% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.9632% | 218 |
| Noncurrent loans to loans | 2.3383% | 376 |
| Net loans and leases to total assets | 65.0667% | 1,819 |
| Net loans and leases to deposits | 79.9601% | 1,428 |
| Net loans and leases to core deposits | 80.4977% | 1,847 |
| Total domestic deposits to total assets | 81.3739% | 4,033 |
| Equity capital to assets | 9.2253% | 3,586 |
| Core capital (leverage) ratio | 7.6163% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0033% | 1,627 |
| Memoranda: | ||
| Average total assets | $105,609,333 | 4,004 |
| Average earning assets | $97,200,667 | 4,001 |
| Average equity | $9,674,000 | 4,241 |
| Average total loans | $72,378,000 | 3,682 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 983 |
| Cost of funding earning assets | 0.6469% | 712 |
| Net interest margin | 3.6929% | 1,344 |
| Noninterest income to average assets | 0.4174% | 2,998 |
| Noninterest expense to average assets | 3.4113% | 521 |
| Loan and lease loss provision to assets | 0.1138% | 1,212 |
| Net operating income to assets | 0.2399% | 4,604 |
| Return on assets (ROA) | 0.2429% | 4,622 |
| Pretax return on assets | 0.3187% | 4,579 |
| Return on Equity (ROE) | 2.6607% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.6607% | 3,881 |
| Net charge-offs to loans | 0.0489% | 1,007 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 12.5556% | 1,421 |
| Efficiency ratio | 85.6719% | 524 |
| Assets per employee ($millions) | 3.7062% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,124 |
| Loan loss allowance to noncurrent loans | 72.9092% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.7287% | 331 |
| Noncurrent loans to loans | 1.8709% | 604 |
| Net loans and leases to total assets | 68.6242% | 1,452 |
| Net loans and leases to deposits | 83.8941% | 1,155 |
| Net loans and leases to core deposits | 85.2260% | 1,574 |
| Total domestic deposits to total assets | 81.7986% | 3,929 |
| Equity capital to assets | 8.9197% | 3,761 |
| Core capital (leverage) ratio | 7.5051% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5388% | 1,729 |
| Memoranda: | ||
| Average total assets | $105,413,000 | 4,011 |
| Average earning assets | $97,700,000 | 4,004 |
| Average equity | $9,621,500 | 4,255 |
| Average total loans | $73,562,500 | 3,676 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 732 |
| Cost of funding earning assets | 0.8522% | 1,011 |
| Net interest margin | 3.9548% | 1,076 |
| Noninterest income to average assets | 0.4485% | 2,869 |
| Noninterest expense to average assets | 3.6917% | 530 |
| Loan and lease loss provision to assets | 0.1554% | 2,426 |
| Net operating income to assets | 0.1838% | 4,594 |
| Return on assets (ROA) | 0.1876% | 4,646 |
| Pretax return on assets | 0.2570% | 4,597 |
| Return on Equity (ROE) | 2.0269% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.0269% | 3,810 |
| Net charge-offs to loans | 0.1901% | 895 |
| Credit loss provision to net charge-offs | 116.0584% | 2,675 |
| Earnings coverage of net charge-offs (x) | 3.0438% | 3,118 |
| Efficiency ratio | 86.9607% | 488 |
| Assets per employee ($millions) | 3.4448% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 2,050 |
| Loan loss allowance to noncurrent loans | 68.3778% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 432 |
| Noncurrent loans to loans | 2.0194% | 563 |
| Net loans and leases to total assets | 69.0387% | 1,681 |
| Net loans and leases to deposits | 85.1489% | 1,331 |
| Net loans and leases to core deposits | 86.5632% | 1,821 |
| Total domestic deposits to total assets | 81.0799% | 3,858 |
| Equity capital to assets | 9.3435% | 3,749 |
| Core capital (leverage) ratio | 7.4908% | 4,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1339% | 1,813 |
| Memoranda: | ||
| Average total assets | $102,336,400 | 3,965 |
| Average earning assets | $94,466,600 | 3,966 |
| Average equity | $9,472,600 | 4,253 |
| Average total loans | $72,079,600 | 3,687 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 1,034 |
| Cost of funding earning assets | 0.8935% | 1,087 |
| Net interest margin | 3.8191% | 1,566 |
| Noninterest income to average assets | 0.4689% | 2,748 |
| Noninterest expense to average assets | 3.6688% | 563 |
| Loan and lease loss provision to assets | 0.1558% | 2,451 |
| Net operating income to assets | 0.1268% | 4,673 |
| Return on assets (ROA) | 0.1319% | 4,696 |
| Pretax return on assets | 0.1737% | 4,679 |
| Return on Equity (ROE) | 1.4285% | 4,634 |
| Retained earnings to average equity (ytd only) | 1.4285% | 4,103 |
| Net charge-offs to loans | 0.2574% | 599 |
| Credit loss provision to net charge-offs | 85.6115% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.7770% | 3,047 |
| Efficiency ratio | 88.7107% | 398 |
| Assets per employee ($millions) | 3.3175% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,324 |
| Loan loss allowance to noncurrent loans | 49.1778% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.1878% | 273 |
| Noncurrent loans to loans | 2.5716% | 403 |
| Net loans and leases to total assets | 72.6508% | 1,562 |
| Net loans and leases to deposits | 90.7928% | 1,183 |
| Net loans and leases to core deposits | 92.3173% | 1,769 |
| Total domestic deposits to total assets | 80.0183% | 3,860 |
| Equity capital to assets | 9.3170% | 3,847 |
| Core capital (leverage) ratio | 7.3423% | 4,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8162% | 1,885 |
| Memoranda: | ||
| Average total assets | $102,084,250 | 3,965 |
| Average earning assets | $94,155,250 | 3,969 |
| Average equity | $9,426,750 | 4,276 |
| Average total loans | $72,012,750 | 3,705 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,630 |
| Cost of funding earning assets | 0.9343% | 1,220 |
| Net interest margin | 3.6753% | 2,254 |
| Noninterest income to average assets | 0.4321% | 2,895 |
| Noninterest expense to average assets | 3.6315% | 623 |
| Loan and lease loss provision to assets | 0.1748% | 2,266 |
| Net operating income to assets | 0.0134% | 4,769 |
| Return on assets (ROA) | 0.0196% | 4,787 |
| Pretax return on assets | 0.0255% | 4,773 |
| Return on Equity (ROE) | 0.2133% | 4,777 |
| Retained earnings to average equity (ytd only) | 0.2133% | 4,271 |
| Net charge-offs to loans | 0.3475% | 464 |
| Credit loss provision to net charge-offs | 72.3577% | 2,540 |
| Earnings coverage of net charge-offs (x) | 0.7967% | 2,906 |
| Efficiency ratio | 91.6281% | 352 |
| Assets per employee ($millions) | 3.2603% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,198 |
| Loan loss allowance to noncurrent loans | 44.1273% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.2149% | 298 |
| Noncurrent loans to loans | 2.8575% | 365 |
| Net loans and leases to total assets | 68.6331% | 2,243 |
| Net loans and leases to deposits | 85.7732% | 1,795 |
| Net loans and leases to core deposits | 87.7370% | 2,276 |
| Total domestic deposits to total assets | 80.0169% | 3,830 |
| Equity capital to assets | 8.8353% | 4,229 |
| Core capital (leverage) ratio | 7.1294% | 4,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8898% | 1,864 |
| Memoranda: | ||
| Average total assets | $101,831,000 | 3,969 |
| Average earning assets | $93,978,667 | 3,971 |
| Average equity | $9,375,000 | 4,301 |
| Average total loans | $70,792,333 | 3,737 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,440 |
| Cost of funding earning assets | 0.9901% | 1,462 |
| Net interest margin | 3.8028% | 1,964 |
| Noninterest income to average assets | 0.3679% | 3,312 |
| Noninterest expense to average assets | 3.6948% | 703 |
| Loan and lease loss provision to assets | 0.1213% | 2,180 |
| Net operating income to assets | 0.0453% | 4,715 |
| Return on assets (ROA) | 0.0485% | 4,706 |
| Pretax return on assets | 0.0647% | 4,691 |
| Return on Equity (ROE) | 0.5156% | 4,690 |
| Retained earnings to average equity (ytd only) | 0.5156% | 3,870 |
| Net charge-offs to loans | 0.1395% | 901 |
| Credit loss provision to net charge-offs | 125.0000% | 1,687 |
| Earnings coverage of net charge-offs (x) | 1.8750% | 2,335 |
| Efficiency ratio | 91.9708% | 432 |
| Assets per employee ($millions) | 3.0546% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,678 |
| Loan loss allowance to noncurrent loans | 32.7885% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.2963% | 160 |
| Noncurrent loans to loans | 4.2833% | 167 |
| Net loans and leases to total assets | 70.6014% | 2,151 |
| Net loans and leases to deposits | 86.7930% | 1,900 |
| Net loans and leases to core deposits | 89.2582% | 2,420 |
| Total domestic deposits to total assets | 81.3445% | 3,587 |
| Equity capital to assets | 9.5278% | 4,192 |
| Core capital (leverage) ratio | 7.4829% | 5,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2535% | 2,176 |
| Memoranda: | ||
| Average total assets | $98,951,000 | 4,009 |
| Average earning assets | $91,302,000 | 4,005 |
| Average equity | $9,309,500 | 4,331 |
| Average total loans | $68,795,500 | 3,789 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 1,250 |
| Cost of funding earning assets | 1.0951% | 1,347 |
| Net interest margin | 3.9885% | 1,889 |
| Noninterest income to average assets | 0.5739% | 2,343 |
| Noninterest expense to average assets | 3.6546% | 801 |
| Loan and lease loss provision to assets | 0.7174% | 157 |
| Net operating income to assets | -0.1133% | 5,005 |
| Return on assets (ROA) | -0.1076% | 5,015 |
| Pretax return on assets | -0.1126% | 5,008 |
| Return on Equity (ROE) | -1.1752% | 5,022 |
| Retained earnings to average equity (ytd only) | -1.1752% | 4,822 |
| Net charge-offs to loans | 1.0124% | 158 |
| Credit loss provision to net charge-offs | 102.8571% | 2,414 |
| Earnings coverage of net charge-offs (x) | 0.8586% | 3,588 |
| Efficiency ratio | 82.8766% | 738 |
| Assets per employee ($millions) | 3.0350% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,375 |
| Loan loss allowance to noncurrent loans | 38.2837% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.7986% | 205 |
| Noncurrent loans to loans | 3.7753% | 203 |
| Net loans and leases to total assets | 66.5172% | 2,895 |
| Net loans and leases to deposits | 82.3906% | 2,509 |
| Net loans and leases to core deposits | 85.5761% | 2,817 |
| Total domestic deposits to total assets | 80.7341% | 3,826 |
| Equity capital to assets | 9.2915% | 4,495 |
| Core capital (leverage) ratio | 7.3948% | 5,110 |
| Tier 1 risk-based capital ratio | 12.7992% | 3,896 |
| Total risk-based capital ratio | 14.0536% | 3,783 |
| Memoranda: | ||
| Average total assets | $100,366,400 | 3,995 |
| Average earning assets | $92,590,600 | 4,002 |
| Average equity | $9,189,800 | 4,344 |
| Average total loans | $69,139,800 | 3,792 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 1,121 |
| Cost of funding earning assets | 1.1076% | 1,319 |
| Net interest margin | 4.0560% | 1,745 |
| Noninterest income to average assets | 0.5470% | 2,473 |
| Noninterest expense to average assets | 3.5929% | 855 |
| Loan and lease loss provision to assets | 0.9161% | 106 |
| Net operating income to assets | -0.1861% | 5,102 |
| Return on assets (ROA) | -0.1806% | 5,107 |
| Pretax return on assets | -0.2164% | 5,105 |
| Return on Equity (ROE) | -1.9794% | 5,118 |
| Retained earnings to average equity (ytd only) | -1.9794% | 4,923 |
| Net charge-offs to loans | 1.3597% | 101 |
| Credit loss provision to net charge-offs | 97.3202% | 2,315 |
| Earnings coverage of net charge-offs (x) | 0.7362% | 3,347 |
| Efficiency ratio | 80.7931% | 854 |
| Assets per employee ($millions) | 3.1837% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,589 |
| Loan loss allowance to noncurrent loans | 39.3456% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.7965% | 208 |
| Noncurrent loans to loans | 3.5505% | 223 |
| Net loans and leases to total assets | 67.0824% | 2,917 |
| Net loans and leases to deposits | 83.4440% | 2,515 |
| Net loans and leases to core deposits | 86.7129% | 2,848 |
| Total domestic deposits to total assets | 80.3921% | 3,893 |
| Equity capital to assets | 9.4078% | 4,524 |
| Core capital (leverage) ratio | 7.4678% | 5,193 |
| Tier 1 risk-based capital ratio | 13.0210% | 3,837 |
| Total risk-based capital ratio | 14.2752% | 3,738 |
| Memoranda: | ||
| Average total assets | $100,419,000 | 4,039 |
| Average earning assets | $92,569,000 | 4,042 |
| Average equity | $9,160,750 | 4,398 |
| Average total loans | $69,525,250 | 3,822 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 1,006 |
| Cost of funding earning assets | 1.1306% | 1,194 |
| Net interest margin | 4.0547% | 1,743 |
| Noninterest income to average assets | 0.5604% | 2,341 |
| Noninterest expense to average assets | 3.5745% | 876 |
| Loan and lease loss provision to assets | 1.3070% | 66 |
| Net operating income to assets | -0.4638% | 5,187 |
| Return on assets (ROA) | -0.4575% | 5,191 |
| Pretax return on assets | -0.5703% | 5,197 |
| Return on Equity (ROE) | -5.0662% | 5,204 |
| Retained earnings to average equity (ytd only) | -5.0662% | 5,061 |
| Net charge-offs to loans | 2.0165% | 53 |
| Credit loss provision to net charge-offs | 93.0889% | 2,101 |
| Earnings coverage of net charge-offs (x) | 0.5190% | 3,086 |
| Efficiency ratio | 80.0276% | 961 |
| Assets per employee ($millions) | 3.2233% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,869 |
| Loan loss allowance to noncurrent loans | 34.6169% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.6921% | 255 |
| Noncurrent loans to loans | 3.8606% | 191 |
| Net loans and leases to total assets | 67.0873% | 2,952 |
| Net loans and leases to deposits | 83.0453% | 2,601 |
| Net loans and leases to core deposits | 86.5627% | 2,919 |
| Total domestic deposits to total assets | 80.7840% | 3,875 |
| Equity capital to assets | 9.1732% | 4,680 |
| Core capital (leverage) ratio | 7.1372% | 5,260 |
| Tier 1 risk-based capital ratio | 12.7881% | 3,954 |
| Total risk-based capital ratio | 14.0417% | 3,854 |
| Memoranda: | ||
| Average total assets | $100,993,670 | 4,050 |
| Average earning assets | $93,225,000 | 4,049 |
| Average equity | $9,119,330 | 4,418 |
| Average total loans | $70,318,670 | 3,832 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 1,614 |
| Cost of funding earning assets | 1.1260% | 1,100 |
| Net interest margin | 3.7662% | 2,646 |
| Noninterest income to average assets | 0.4531% | 2,839 |
| Noninterest expense to average assets | 3.5418% | 911 |
| Loan and lease loss provision to assets | 2.4820% | 32 |
| Net operating income to assets | -1.6609% | 5,313 |
| Return on assets (ROA) | -1.6547% | 5,309 |
| Pretax return on assets | -2.0841% | 5,311 |
| Return on Equity (ROE) | -18.4697% | 5,331 |
| Retained earnings to average equity (ytd only) | -18.4697% | 5,245 |
| Net charge-offs to loans | 3.6808% | 28 |
| Credit loss provision to net charge-offs | 95.7447% | 1,662 |
| Earnings coverage of net charge-offs (x) | 0.1505% | 2,675 |
| Efficiency ratio | 86.8737% | 530 |
| Assets per employee ($millions) | 3.5540% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 1,967 |
| Loan loss allowance to noncurrent loans | 35.2161% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.6342% | 273 |
| Noncurrent loans to loans | 3.7698% | 224 |
| Net loans and leases to total assets | 66.9943% | 2,899 |
| Net loans and leases to deposits | 82.0235% | 2,608 |
| Net loans and leases to core deposits | 85.5997% | 2,900 |
| Total domestic deposits to total assets | 81.6770% | 3,804 |
| Equity capital to assets | 8.6546% | 4,900 |
| Core capital (leverage) ratio | 6.8826% | 5,322 |
| Tier 1 risk-based capital ratio | 11.9494% | 4,486 |
| Total risk-based capital ratio | 13.2037% | 4,378 |
| Memoranda: | ||
| Average total assets | $101,529,500 | 4,080 |
| Average earning assets | $93,781,000 | 4,076 |
| Average equity | $9,096,000 | 4,452 |
| Average total loans | $71,506,500 | 3,844 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 1,082 |
| Cost of funding earning assets | 0.8830% | 1,162 |
| Net interest margin | 4.0992% | 1,682 |
| Noninterest income to average assets | 0.3977% | 3,456 |
| Noninterest expense to average assets | 3.8673% | 631 |
| Loan and lease loss provision to assets | 0.0713% | 2,709 |
| Net operating income to assets | 0.0537% | 5,209 |
| Return on assets (ROA) | 0.0537% | 5,203 |
| Pretax return on assets | 0.1876% | 5,123 |
| Return on Equity (ROE) | 0.5950% | 5,191 |
| Retained earnings to average equity (ytd only) | 0.5950% | 4,830 |
| Net charge-offs to loans | 0.0571% | 2,324 |
| Credit loss provision to net charge-offs | 169.7674% | 1,642 |
| Earnings coverage of net charge-offs (x) | 6.1628% | 3,118 |
| Efficiency ratio | 90.6465% | 319 |
| Assets per employee ($millions) | 3.3331% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 1,989 |
| Loan loss allowance to noncurrent loans | 26.4438% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 3.6693% | 137 |
| Noncurrent loans to loans | 4.9552% | 111 |
| Net loans and leases to total assets | 72.0838% | 2,247 |
| Net loans and leases to deposits | 89.2684% | 1,897 |
| Net loans and leases to core deposits | 95.5118% | 2,098 |
| Total domestic deposits to total assets | 80.7495% | 3,942 |
| Equity capital to assets | 9.2727% | 4,348 |
| Core capital (leverage) ratio | 7.2596% | 5,343 |
| Tier 1 risk-based capital ratio | 11.9890% | 4,430 |
| Total risk-based capital ratio | 13.2430% | 4,325 |
| Memoranda: | ||
| Average total assets | $102,345,000 | 4,061 |
| Average earning assets | $93,091,000 | 4,080 |
| Average equity | $9,243,800 | 4,425 |
| Average total loans | $75,253,800 | 3,765 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 1,073 |
| Cost of funding earning assets | 0.8357% | 1,167 |
| Net interest margin | 4.1042% | 1,613 |
| Noninterest income to average assets | 0.2914% | 4,208 |
| Noninterest expense to average assets | 3.8950% | 598 |
| Loan and lease loss provision to assets | 0.0686% | 2,604 |
| Net operating income to assets | 0.0363% | 5,281 |
| Return on assets (ROA) | 0.0363% | 5,279 |
| Pretax return on assets | 0.0492% | 5,276 |
| Return on Equity (ROE) | 0.4041% | 5,276 |
| Retained earnings to average equity (ytd only) | 0.4041% | 4,969 |
| Net charge-offs to loans | 0.0176% | 2,814 |
| Credit loss provision to net charge-offs | 530.0000% | 665 |
| Earnings coverage of net charge-offs (x) | 9.1020% | 2,668 |
| Efficiency ratio | 93.8993% | 243 |
| Assets per employee ($millions) | 3.2391% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,145 |
| Loan loss allowance to noncurrent loans | 27.1861% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 3.7526% | 143 |
| Noncurrent loans to loans | 4.7422% | 141 |
| Net loans and leases to total assets | 73.9650% | 1,990 |
| Net loans and leases to deposits | 91.4283% | 1,702 |
| Net loans and leases to core deposits | 97.9440% | 1,940 |
| Total domestic deposits to total assets | 80.8995% | 3,895 |
| Equity capital to assets | 9.1743% | 4,397 |
| Core capital (leverage) ratio | 6.9025% | 5,433 |
| Tier 1 risk-based capital ratio | 11.0555% | 5,009 |
| Total risk-based capital ratio | 12.3087% | 4,908 |
| Memoranda: | ||
| Average total assets | $102,933,250 | 4,095 |
| Average earning assets | $93,333,500 | 4,120 |
| Average equity | $9,236,750 | 4,469 |
| Average total loans | $75,808,500 | 3,789 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 1,166 |
| Cost of funding earning assets | 0.7550% | 1,348 |
| Net interest margin | 4.0780% | 1,619 |
| Noninterest income to average assets | 0.2293% | 4,647 |
| Noninterest expense to average assets | 3.9085% | 595 |
| Loan and lease loss provision to assets | 0.0578% | 2,749 |
| Net operating income to assets | -0.0385% | 5,359 |
| Return on assets (ROA) | -0.0385% | 5,351 |
| Pretax return on assets | -0.0520% | 5,356 |
| Return on Equity (ROE) | -0.4327% | 5,358 |
| Retained earnings to average equity (ytd only) | -0.4327% | 5,019 |
| Net charge-offs to loans | 0.0053% | 2,977 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,057 |
| Efficiency ratio | 96.6027% | 215 |
| Assets per employee ($millions) | 3.4256% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,224 |
| Loan loss allowance to noncurrent loans | 34.6014% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.8137% | 280 |
| Noncurrent loans to loans | 3.7235% | 252 |
| Net loans and leases to total assets | 68.9010% | 2,740 |
| Net loans and leases to deposits | 84.1166% | 2,520 |
| Net loans and leases to core deposits | 90.3565% | 2,544 |
| Total domestic deposits to total assets | 81.9112% | 3,743 |
| Equity capital to assets | 8.6465% | 4,846 |
| Core capital (leverage) ratio | 6.9608% | 5,488 |
| Tier 1 risk-based capital ratio | 11.2511% | 4,922 |
| Total risk-based capital ratio | 12.5044% | 4,816 |
| Memoranda: | ||
| Average total assets | $103,774,000 | 4,116 |
| Average earning assets | $93,772,000 | 4,148 |
| Average equity | $9,245,000 | 4,503 |
| Average total loans | $75,998,330 | 3,808 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8516% | 974 |
| Cost of funding earning assets | 0.6956% | 1,467 |
| Net interest margin | 4.1560% | 1,282 |
| Noninterest income to average assets | 0.4953% | 2,829 |
| Noninterest expense to average assets | 3.7986% | 679 |
| Loan and lease loss provision to assets | 0.0585% | 2,602 |
| Net operating income to assets | 0.2730% | 5,130 |
| Return on assets (ROA) | 0.2730% | 5,131 |
| Pretax return on assets | 0.3666% | 5,080 |
| Return on Equity (ROE) | 3.0184% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.0184% | 3,993 |
| Net charge-offs to loans | 0.0104% | 2,373 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 898 |
| Efficiency ratio | 86.9806% | 586 |
| Assets per employee ($millions) | 3.3125% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,668 |
| Loan loss allowance to noncurrent loans | 29.1473% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 4.2177% | 142 |
| Noncurrent loans to loans | 4.1957% | 225 |
| Net loans and leases to total assets | 73.9383% | 1,863 |
| Net loans and leases to deposits | 90.9663% | 1,566 |
| Net loans and leases to core deposits | 99.1473% | 1,752 |
| Total domestic deposits to total assets | 81.2810% | 4,138 |
| Equity capital to assets | 9.0381% | 4,517 |
| Core capital (leverage) ratio | 7.1005% | 5,542 |
| Tier 1 risk-based capital ratio | 10.7577% | 5,264 |
| Total risk-based capital ratio | 12.0092% | 5,155 |
| Memoranda: | ||
| Average total assets | $102,564,500 | 4,183 |
| Average earning assets | $92,010,500 | 4,231 |
| Average equity | $9,276,500 | 4,544 |
| Average total loans | $76,936,000 | 3,807 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 1,252 |
| Cost of funding earning assets | 0.6316% | 1,408 |
| Net interest margin | 4.0453% | 1,601 |
| Noninterest income to average assets | 0.4088% | 3,572 |
| Noninterest expense to average assets | 3.5816% | 916 |
| Loan and lease loss provision to assets | 0.1666% | 1,321 |
| Net operating income to assets | -0.6137% | 5,551 |
| Return on assets (ROA) | -0.5792% | 5,549 |
| Pretax return on assets | 0.3831% | 5,109 |
| Return on Equity (ROE) | -5.3822% | 5,543 |
| Retained earnings to average equity (ytd only) | -5.4656% | 5,451 |
| Net charge-offs to loans | -0.1349% | 5,444 |
| Credit loss provision to net charge-offs | -175.6757% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9893% | 585 |
| Assets per employee ($millions) | 3.1043% | 5,120 |
| Cash dividends to net income (ytd only)* | -1.5487% | 5,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,753 |
| Loan loss allowance to noncurrent loans | 44.5459% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.6464% | 332 |
| Noncurrent loans to loans | 2.7024% | 457 |
| Net loans and leases to total assets | 74.2664% | 1,875 |
| Net loans and leases to deposits | 89.3293% | 1,852 |
| Net loans and leases to core deposits | 102.3530% | 1,535 |
| Total domestic deposits to total assets | 83.1378% | 3,515 |
| Equity capital to assets | 9.0510% | 4,669 |
| Core capital (leverage) ratio | 7.0344% | 5,599 |
| Tier 1 risk-based capital ratio | 10.6121% | 5,333 |
| Total risk-based capital ratio | 11.8676% | 5,228 |
| Memoranda: | ||
| Average total assets | $78,037,600 | 4,627 |
| Average earning assets | $70,773,200 | 4,653 |
| Average equity | $8,398,000 | 4,717 |
| Average total loans | $54,859,800 | 4,334 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 1,288 |
| Cost of funding earning assets | 0.5902% | 1,601 |
| Net interest margin | 4.0416% | 1,564 |
| Noninterest income to average assets | 0.4578% | 3,289 |
| Noninterest expense to average assets | 3.4103% | 1,136 |
| Loan and lease loss provision to assets | 0.2224% | 832 |
| Net operating income to assets | 0.3278% | 5,165 |
| Return on assets (ROA) | 0.3800% | 5,065 |
| Pretax return on assets | 0.5709% | 4,890 |
| Return on Equity (ROE) | 3.3416% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.2275% | 4,002 |
| Net charge-offs to loans | -0.2000% | 5,544 |
| Credit loss provision to net charge-offs | -162.1622% | 4,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6595% | 863 |
| Assets per employee ($millions) | 3.6424% | 4,528 |
| Cash dividends to net income (ytd only)* | 3.4135% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 827 |
| Loan loss allowance to noncurrent loans | 576.7296% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 3,360 |
| Noncurrent loans to loans | 0.3151% | 3,822 |
| Net loans and leases to total assets | 64.7658% | 3,287 |
| Net loans and leases to deposits | 78.8791% | 3,082 |
| Net loans and leases to core deposits | 87.5280% | 2,817 |
| Total domestic deposits to total assets | 82.1077% | 3,738 |
| Equity capital to assets | 10.8078% | 3,055 |
| Core capital (leverage) ratio | 8.2647% | 5,388 |
| Tier 1 risk-based capital ratio | 13.9224% | 3,483 |
| Total risk-based capital ratio | 15.1928% | 3,396 |
| Memoranda: | ||
| Average total assets | $71,936,500 | 4,792 |
| Average earning assets | $65,286,750 | 4,805 |
| Average equity | $8,179,500 | 4,806 |
| Average total loans | $49,323,000 | 4,519 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 877 |
| Cost of funding earning assets | 0.5685% | 1,660 |
| Net interest margin | 4.2212% | 1,036 |
| Noninterest income to average assets | 0.4942% | 3,058 |
| Noninterest expense to average assets | 3.4366% | 1,104 |
| Loan and lease loss provision to assets | 0.3408% | 430 |
| Net operating income to assets | 0.3648% | 5,057 |
| Return on assets (ROA) | 0.4459% | 4,886 |
| Pretax return on assets | 0.6532% | 4,676 |
| Return on Equity (ROE) | 3.8526% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.8526% | 3,400 |
| Net charge-offs to loans | -0.0572% | 5,230 |
| Credit loss provision to net charge-offs | -857.1429% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7101% | 1,245 |
| Assets per employee ($millions) | 3.5195% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 1,078 |
| Loan loss allowance to noncurrent loans | 486.9318% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 3,378 |
| Noncurrent loans to loans | 0.3469% | 3,791 |
| Net loans and leases to total assets | 64.4169% | 3,329 |
| Net loans and leases to deposits | 78.2044% | 3,097 |
| Net loans and leases to core deposits | 88.9234% | 2,623 |
| Total domestic deposits to total assets | 82.3699% | 3,778 |
| Equity capital to assets | 10.6083% | 3,219 |
| Core capital (leverage) ratio | 8.4474% | 5,259 |
| Tier 1 risk-based capital ratio | 13.6063% | 3,634 |
| Total risk-based capital ratio | 14.8750% | 3,548 |
| Memoranda: | ||
| Average total assets | $70,418,330 | 4,856 |
| Average earning assets | $63,678,000 | 4,875 |
| Average equity | $8,150,330 | 4,834 |
| Average total loans | $48,945,000 | 4,553 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 1,676 |
| Cost of funding earning assets | 0.5348% | 1,829 |
| Net interest margin | 3.8555% | 1,936 |
| Noninterest income to average assets | 0.6994% | 1,973 |
| Noninterest expense to average assets | 3.4732% | 1,080 |
| Loan and lease loss provision to assets | 0.2690% | 541 |
| Net operating income to assets | 0.3447% | 5,088 |
| Return on assets (ROA) | 0.5380% | 4,476 |
| Pretax return on assets | 0.6994% | 4,450 |
| Return on Equity (ROE) | 4.4343% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.4343% | 3,211 |
| Net charge-offs to loans | -0.0666% | 5,304 |
| Credit loss provision to net charge-offs | -562.5000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8816% | 1,080 |
| Assets per employee ($millions) | 3.2670% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,506 |
| Loan loss allowance to noncurrent loans | 99.4872% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 1,300 |
| Noncurrent loans to loans | 1.5594% | 1,261 |
| Net loans and leases to total assets | 68.5125% | 2,603 |
| Net loans and leases to deposits | 84.3734% | 2,242 |
| Net loans and leases to core deposits | 96.3979% | 1,791 |
| Total domestic deposits to total assets | 81.2016% | 4,369 |
| Equity capital to assets | 11.3186% | 2,335 |
| Core capital (leverage) ratio | 9.3645% | 4,264 |
| Tier 1 risk-based capital ratio | 12.9316% | 4,122 |
| Total risk-based capital ratio | 14.1956% | 4,007 |
| Memoranda: | ||
| Average total assets | $66,912,500 | 4,971 |
| Average earning assets | $60,589,000 | 4,982 |
| Average equity | $8,118,500 | 4,881 |
| Average total loans | $48,050,000 | 4,625 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,060 |
| Cost of funding earning assets | 0.5830% | 1,471 |
| Net interest margin | 3.7423% | 2,532 |
| Noninterest income to average assets | 0.5010% | 3,230 |
| Noninterest expense to average assets | 3.7316% | 846 |
| Loan and lease loss provision to assets | -0.0293% | 5,534 |
| Net operating income to assets | 0.1030% | 5,556 |
| Return on assets (ROA) | 0.1122% | 5,575 |
| Pretax return on assets | 0.1187% | 5,576 |
| Return on Equity (ROE) | 0.8505% | 5,585 |
| Retained earnings to average equity (ytd only) | 0.8505% | 4,984 |
| Net charge-offs to loans | -0.0972% | 5,583 |
| Credit loss provision to net charge-offs | 42.8571% | 3,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9087% | 251 |
| Assets per employee ($millions) | 3.0976% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 1,447 |
| Loan loss allowance to noncurrent loans | 137.9771% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 1,689 |
| Noncurrent loans to loans | 1.1371% | 1,805 |
| Net loans and leases to total assets | 73.2164% | 1,972 |
| Net loans and leases to deposits | 93.6628% | 1,231 |
| Net loans and leases to core deposits | 94.2603% | 2,080 |
| Total domestic deposits to total assets | 78.1702% | 4,951 |
| Equity capital to assets | 13.0779% | 1,225 |
| Core capital (leverage) ratio | 9.8224% | 3,713 |
| Tier 1 risk-based capital ratio | 14.3897% | 3,242 |
| Total risk-based capital ratio | 15.6682% | 3,162 |
| Memoranda: | ||
| Average total assets | $61,475,000 | 5,104 |
| Average earning assets | $54,377,600 | 5,163 |
| Average equity | $8,112,800 | 4,915 |
| Average total loans | $43,213,000 | 4,776 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,201 |
| Cost of funding earning assets | 0.5754% | 1,516 |
| Net interest margin | 3.7119% | 2,673 |
| Noninterest income to average assets | 0.5628% | 2,859 |
| Noninterest expense to average assets | 3.7312% | 813 |
| Loan and lease loss provision to assets | -0.0652% | 5,746 |
| Net operating income to assets | 0.1469% | 5,559 |
| Return on assets (ROA) | 0.1586% | 5,596 |
| Pretax return on assets | 0.1760% | 5,591 |
| Return on Equity (ROE) | 1.1993% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.1993% | 5,030 |
| Net charge-offs to loans | -0.0941% | 5,551 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4461% | 273 |
| Assets per employee ($millions) | 3.1218% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,636 |
| Loan loss allowance to noncurrent loans | 99.8571% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 1,357 |
| Noncurrent loans to loans | 1.5411% | 1,407 |
| Net loans and leases to total assets | 71.6313% | 2,239 |
| Net loans and leases to deposits | 91.5517% | 1,560 |
| Net loans and leases to core deposits | 92.1288% | 2,363 |
| Total domestic deposits to total assets | 78.2414% | 4,870 |
| Equity capital to assets | 13.0424% | 1,469 |
| Core capital (leverage) ratio | 9.7802% | 3,832 |
| Tier 1 risk-based capital ratio | 14.0815% | 3,518 |
| Total risk-based capital ratio | 15.3589% | 3,424 |
| Memoranda: | ||
| Average total assets | $61,355,750 | 5,155 |
| Average earning assets | $53,987,250 | 5,216 |
| Average equity | $8,115,500 | 4,963 |
| Average total loans | $42,495,750 | 4,845 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,398 |
| Cost of funding earning assets | 0.5769% | 1,490 |
| Net interest margin | 3.6549% | 2,875 |
| Noninterest income to average assets | 0.5443% | 2,935 |
| Noninterest expense to average assets | 3.7970% | 769 |
| Loan and lease loss provision to assets | -0.1246% | 5,895 |
| Net operating income to assets | 0.1279% | 5,639 |
| Return on assets (ROA) | 0.1476% | 5,660 |
| Pretax return on assets | 0.1115% | 5,718 |
| Return on Equity (ROE) | 1.1102% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.1102% | 4,937 |
| Net charge-offs to loans | -0.1012% | 5,624 |
| Credit loss provision to net charge-offs | 180.9524% | 1,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8711% | 229 |
| Assets per employee ($millions) | 3.1318% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,548 |
| Loan loss allowance to noncurrent loans | 94.1989% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.4114% | 1,386 |
| Noncurrent loans to loans | 1.6914% | 1,254 |
| Net loans and leases to total assets | 67.2515% | 2,903 |
| Net loans and leases to deposits | 85.8357% | 2,264 |
| Net loans and leases to core deposits | 86.3707% | 2,864 |
| Total domestic deposits to total assets | 78.3492% | 4,924 |
| Equity capital to assets | 12.9736% | 1,517 |
| Core capital (leverage) ratio | 10.0211% | 3,542 |
| Tier 1 risk-based capital ratio | 14.7900% | 3,159 |
| Total risk-based capital ratio | 16.0689% | 3,099 |
| Memoranda: | ||
| Average total assets | $60,996,000 | 5,221 |
| Average earning assets | $53,735,670 | 5,273 |
| Average equity | $8,106,330 | 5,006 |
| Average total loans | $41,520,330 | 4,914 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 2,152 |
| Cost of funding earning assets | 0.5858% | 1,442 |
| Net interest margin | 3.7100% | 2,628 |
| Noninterest income to average assets | 0.9505% | 1,184 |
| Noninterest expense to average assets | 3.7889% | 788 |
| Loan and lease loss provision to assets | 0.0931% | 2,134 |
| Net operating income to assets | 0.3789% | 5,055 |
| Return on assets (ROA) | 0.3789% | 5,127 |
| Pretax return on assets | 0.3523% | 5,397 |
| Return on Equity (ROE) | 2.8160% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.8160% | 4,108 |
| Net charge-offs to loans | -0.1272% | 5,725 |
| Credit loss provision to net charge-offs | -107.6923% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4819% | 705 |
| Assets per employee ($millions) | 2.8913% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 1,191 |
| Loan loss allowance to noncurrent loans | 96.4143% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 1,272 |
| Noncurrent loans to loans | 1.8475% | 1,198 |
| Net loans and leases to total assets | 65.9305% | 2,961 |
| Net loans and leases to deposits | 84.9338% | 2,199 |
| Net loans and leases to core deposits | 85.4834% | 2,795 |
| Total domestic deposits to total assets | 77.6257% | 5,201 |
| Equity capital to assets | 13.3933% | 1,223 |
| Core capital (leverage) ratio | 10.2311% | 3,283 |
| Tier 1 risk-based capital ratio | 15.7166% | 2,817 |
| Total risk-based capital ratio | 16.9988% | 2,741 |
| Memoranda: | ||
| Average total assets | $60,176,500 | 5,285 |
| Average earning assets | $53,261,500 | 5,336 |
| Average equity | $8,096,500 | 5,042 |
| Average total loans | $40,878,000 | 4,980 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,791 |
| Cost of funding earning assets | 0.5188% | 2,003 |
| Net interest margin | 3.6165% | 3,069 |
| Noninterest income to average assets | 0.5908% | 2,769 |
| Noninterest expense to average assets | 4.0418% | 630 |
| Loan and lease loss provision to assets | 0.0451% | 3,426 |
| Net operating income to assets | -0.1739% | 5,958 |
| Return on assets (ROA) | -0.1151% | 5,951 |
| Pretax return on assets | -0.2053% | 5,963 |
| Return on Equity (ROE) | -0.8476% | 5,935 |
| Retained earnings to average equity (ytd only) | -0.8476% | 5,637 |
| Net charge-offs to loans | -0.0173% | 5,231 |
| Credit loss provision to net charge-offs | -385.7143% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6491% | 178 |
| Assets per employee ($millions) | 2.8398% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 1,338 |
| Loan loss allowance to noncurrent loans | 89.6154% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.6500% | 1,186 |
| Noncurrent loans to loans | 1.9025% | 1,126 |
| Net loans and leases to total assets | 67.5766% | 2,776 |
| Net loans and leases to deposits | 87.3807% | 1,948 |
| Net loans and leases to core deposits | 87.9567% | 2,608 |
| Total domestic deposits to total assets | 77.3358% | 5,267 |
| Equity capital to assets | 13.5170% | 1,121 |
| Core capital (leverage) ratio | 9.9372% | 3,601 |
| Tier 1 risk-based capital ratio | 15.4272% | 2,971 |
| Total risk-based capital ratio | 16.7221% | 2,882 |
| Memoranda: | ||
| Average total assets | $59,923,400 | 5,319 |
| Average earning assets | $53,007,600 | 5,357 |
| Average equity | $8,140,200 | 5,034 |
| Average total loans | $40,374,400 | 4,999 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 2,782 |
| Cost of funding earning assets | 0.5054% | 2,164 |
| Net interest margin | 3.6336% | 3,019 |
| Noninterest income to average assets | 0.6734% | 2,365 |
| Noninterest expense to average assets | 4.0380% | 637 |
| Loan and lease loss provision to assets | 0.0600% | 2,982 |
| Net operating income to assets | -0.1338% | 6,021 |
| Return on assets (ROA) | -0.0556% | 6,003 |
| Pretax return on assets | -0.0911% | 6,009 |
| Return on Equity (ROE) | -0.4085% | 5,992 |
| Retained earnings to average equity (ytd only) | -0.4085% | 5,677 |
| Net charge-offs to loans | -0.0298% | 5,356 |
| Credit loss provision to net charge-offs | -300.0000% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9474% | 212 |
| Assets per employee ($millions) | 2.7743% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 1,350 |
| Loan loss allowance to noncurrent loans | 120.8621% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 1,740 |
| Noncurrent loans to loans | 1.4535% | 1,718 |
| Net loans and leases to total assets | 67.2897% | 2,808 |
| Net loans and leases to deposits | 82.2400% | 2,617 |
| Net loans and leases to core deposits | 84.5475% | 2,981 |
| Total domestic deposits to total assets | 81.8211% | 4,220 |
| Equity capital to assets | 13.9444% | 1,048 |
| Core capital (leverage) ratio | 10.5612% | 2,971 |
| Tier 1 risk-based capital ratio | 16.1339% | 2,738 |
| Total risk-based capital ratio | 17.4297% | 2,677 |
| Memoranda: | ||
| Average total assets | $59,995,250 | 5,387 |
| Average earning assets | $53,022,500 | 5,428 |
| Average equity | $8,160,000 | 5,094 |
| Average total loans | $40,218,250 | 5,053 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 2,832 |
| Cost of funding earning assets | 0.5107% | 2,157 |
| Net interest margin | 3.6084% | 3,052 |
| Noninterest income to average assets | 0.7099% | 2,174 |
| Noninterest expense to average assets | 3.9324% | 737 |
| Loan and lease loss provision to assets | 0.0594% | 2,912 |
| Net operating income to assets | -0.0559% | 6,029 |
| Return on assets (ROA) | 0.0561% | 5,966 |
| Pretax return on assets | 0.0891% | 5,938 |
| Return on Equity (ROE) | 0.4161% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.4161% | 5,380 |
| Net charge-offs to loans | -0.0794% | 5,700 |
| Credit loss provision to net charge-offs | -112.5000% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6762% | 306 |
| Assets per employee ($millions) | 2.5847% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 1,506 |
| Loan loss allowance to noncurrent loans | 107.2086% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 1,732 |
| Noncurrent loans to loans | 1.6273% | 1,607 |
| Net loans and leases to total assets | 66.2220% | 2,912 |
| Net loans and leases to deposits | 80.5562% | 2,717 |
| Net loans and leases to core deposits | 81.1239% | 3,269 |
| Total domestic deposits to total assets | 82.2060% | 4,228 |
| Equity capital to assets | 13.7097% | 1,087 |
| Core capital (leverage) ratio | 10.2372% | 3,295 |
| Tier 1 risk-based capital ratio | 16.2522% | 2,733 |
| Total risk-based capital ratio | 17.5476% | 2,670 |
| Memoranda: | ||
| Average total assets | $60,573,670 | 5,432 |
| Average earning assets | $53,653,000 | 5,472 |
| Average equity | $8,172,000 | 5,132 |
| Average total loans | $40,323,000 | 5,090 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 2,609 |
| Cost of funding earning assets | 0.5142% | 2,160 |
| Net interest margin | 3.6437% | 2,841 |
| Noninterest income to average assets | 0.9487% | 1,238 |
| Noninterest expense to average assets | 3.8406% | 836 |
| Loan and lease loss provision to assets | 0.0589% | 2,752 |
| Net operating income to assets | 0.1772% | 5,732 |
| Return on assets (ROA) | 0.3991% | 5,182 |
| Pretax return on assets | 0.6412% | 4,794 |
| Return on Equity (ROE) | 2.9818% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.9818% | 4,187 |
| Net charge-offs to loans | -0.0890% | 5,806 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5757% | 742 |
| Assets per employee ($millions) | 2.8439% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,898 |
| Loan loss allowance to noncurrent loans | 115.3716% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 2,096 |
| Noncurrent loans to loans | 1.4261% | 2,008 |
| Net loans and leases to total assets | 65.2559% | 2,885 |
| Net loans and leases to deposits | 78.6258% | 2,727 |
| Net loans and leases to core deposits | 82.3361% | 2,931 |
| Total domestic deposits to total assets | 82.9956% | 4,184 |
| Equity capital to assets | 13.1237% | 1,336 |
| Core capital (leverage) ratio | 10.2804% | 3,238 |
| Tier 1 risk-based capital ratio | 15.9953% | 2,925 |
| Total risk-based capital ratio | 17.2507% | 2,854 |
| Memoranda: | ||
| Average total assets | $61,137,000 | 5,478 |
| Average earning assets | $54,450,000 | 5,504 |
| Average equity | $8,183,000 | 5,169 |
| Average total loans | $40,451,500 | 5,122 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,960 |
| Cost of funding earning assets | 0.5934% | 1,819 |
| Net interest margin | 3.3484% | 4,407 |
| Noninterest income to average assets | 0.5703% | 3,052 |
| Noninterest expense to average assets | 3.9710% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.2062% | 6,209 |
| Return on assets (ROA) | -0.2062% | 6,207 |
| Pretax return on assets | -0.4462% | 6,270 |
| Return on Equity (ROE) | -1.5630% | 6,191 |
| Retained earnings to average equity (ytd only) | -1.5630% | 5,971 |
| Net charge-offs to loans | 0.2287% | 1,839 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.1839% | 4,861 |
| Efficiency ratio | 112.6600% | 185 |
| Assets per employee ($millions) | 2.7140% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 1,805 |
| Loan loss allowance to noncurrent loans | 126.9084% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2193% | 2,334 |
| Noncurrent loans to loans | 1.3302% | 2,212 |
| Net loans and leases to total assets | 64.8607% | 3,074 |
| Net loans and leases to deposits | 78.8657% | 2,856 |
| Net loans and leases to core deposits | 82.8084% | 3,017 |
| Total domestic deposits to total assets | 82.2419% | 4,331 |
| Equity capital to assets | 13.6581% | 1,094 |
| Core capital (leverage) ratio | 10.1868% | 3,325 |
| Tier 1 risk-based capital ratio | 16.7582% | 2,621 |
| Total risk-based capital ratio | 18.0142% | 2,570 |
| Memoranda: | ||
| Average total assets | $62,075,800 | 5,501 |
| Average earning assets | $54,772,000 | 5,553 |
| Average equity | $8,189,600 | 5,153 |
| Average total loans | $38,043,000 | 5,255 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,488 |
| Cost of funding earning assets | 0.5991% | 1,837 |
| Net interest margin | 3.2171% | 4,904 |
| Noninterest income to average assets | 0.6766% | 2,446 |
| Noninterest expense to average assets | 3.9232% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2489% | 6,288 |
| Return on assets (ROA) | -0.2489% | 6,289 |
| Pretax return on assets | -0.4021% | 6,329 |
| Return on Equity (ROE) | -1.9028% | 6,278 |
| Retained earnings to average equity (ytd only) | -1.9028% | 6,060 |
| Net charge-offs to loans | -0.1556% | 6,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4199% | 206 |
| Assets per employee ($millions) | 2.6219% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 1,219 |
| Loan loss allowance to noncurrent loans | 143.1655% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3747% | 2,247 |
| Noncurrent loans to loans | 1.4127% | 2,303 |
| Net loans and leases to total assets | 63.9460% | 3,179 |
| Net loans and leases to deposits | 76.1237% | 3,170 |
| Net loans and leases to core deposits | 79.8038% | 3,331 |
| Total domestic deposits to total assets | 84.0027% | 3,766 |
| Equity capital to assets | 13.5364% | 1,165 |
| Core capital (leverage) ratio | 10.4553% | 3,098 |
| Tier 1 risk-based capital ratio | 17.1000% | 2,577 |
| Total risk-based capital ratio | 18.3611% | 2,525 |
| Memoranda: | ||
| Average total assets | $62,667,750 | 5,546 |
| Average earning assets | $55,411,500 | 5,600 |
| Average equity | $8,198,250 | 5,193 |
| Average total loans | $37,705,750 | 5,312 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,693 |
| Cost of funding earning assets | 0.6131% | 1,786 |
| Net interest margin | 3.1367% | 5,137 |
| Noninterest income to average assets | 0.6461% | 2,566 |
| Noninterest expense to average assets | 3.9398% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3215% | 6,381 |
| Return on assets (ROA) | -0.3215% | 6,387 |
| Pretax return on assets | -0.5200% | 6,427 |
| Return on Equity (ROE) | -2.4848% | 6,350 |
| Retained earnings to average equity (ytd only) | -2.4848% | 6,041 |
| Net charge-offs to loans | -0.4360% | 6,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2074% | 183 |
| Assets per employee ($millions) | 2.5548% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2183% | 997 |
| Loan loss allowance to noncurrent loans | 87.3166% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.0011% | 1,604 |
| Noncurrent loans to loans | 2.5405% | 1,220 |
| Net loans and leases to total assets | 59.8858% | 3,738 |
| Net loans and leases to deposits | 71.1112% | 3,691 |
| Net loans and leases to core deposits | 71.5728% | 4,090 |
| Total domestic deposits to total assets | 84.2143% | 3,850 |
| Equity capital to assets | 13.3719% | 1,203 |
| Core capital (leverage) ratio | 10.2666% | 3,247 |
| Tier 1 risk-based capital ratio | 18.5619% | 2,048 |
| Total risk-based capital ratio | 19.8268% | 2,001 |
| Memoranda: | ||
| Average total assets | $63,455,670 | 5,574 |
| Average earning assets | $56,109,670 | 5,615 |
| Average equity | $8,210,000 | 5,209 |
| Average total loans | $37,155,000 | 5,369 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 4,874 |
| Cost of funding earning assets | 0.6224% | 1,787 |
| Net interest margin | 3.0698% | 5,337 |
| Noninterest income to average assets | 0.7935% | 1,782 |
| Noninterest expense to average assets | 3.8620% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2170% | 6,363 |
| Return on assets (ROA) | -0.2170% | 6,367 |
| Pretax return on assets | -0.3471% | 6,411 |
| Return on Equity (ROE) | -1.7041% | 6,343 |
| Retained earnings to average equity (ytd only) | -1.7041% | 5,824 |
| Net charge-offs to loans | -0.4654% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8765% | 269 |
| Assets per employee ($millions) | 2.9431% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 1,286 |
| Loan loss allowance to noncurrent loans | 150.2836% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 2,782 |
| Noncurrent loans to loans | 1.4114% | 2,671 |
| Net loans and leases to total assets | 56.6588% | 4,052 |
| Net loans and leases to deposits | 66.6982% | 4,002 |
| Net loans and leases to core deposits | 67.1020% | 4,391 |
| Total domestic deposits to total assets | 84.9480% | 3,896 |
| Equity capital to assets | 12.6967% | 1,458 |
| Core capital (leverage) ratio | 9.8064% | 3,850 |
| Tier 1 risk-based capital ratio | 18.7863% | 2,035 |
| Total risk-based capital ratio | 20.0497% | 1,988 |
| Memoranda: | ||
| Average total assets | $64,526,000 | 5,610 |
| Average earning assets | $57,202,000 | 5,636 |
| Average equity | $8,215,500 | 5,239 |
| Average total loans | $36,956,500 | 5,427 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,861 |
| Cost of funding earning assets | 0.6828% | 1,936 |
| Net interest margin | 3.1049% | 5,294 |
| Noninterest income to average assets | 0.2965% | 5,230 |
| Noninterest expense to average assets | 4.1668% | 720 |
| Loan and lease loss provision to assets | -0.7263% | 6,775 |
| Net operating income to assets | -0.2333% | 6,383 |
| Return on assets (ROA) | -0.2342% | 6,397 |
| Pretax return on assets | -0.4225% | 6,460 |
| Return on Equity (ROE) | -1.9077% | 6,374 |
| Retained earnings to average equity (ytd only) | -1.9077% | 6,163 |
| Net charge-offs to loans | -0.3955% | 6,707 |
| Credit loss provision to net charge-offs | 337.9310% | 674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.9971% | 87 |
| Assets per employee ($millions) | 2.7958% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0641% | 1,407 |
| Loan loss allowance to noncurrent loans | 119.9362% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 2,651 |
| Noncurrent loans to loans | 1.7210% | 2,333 |
| Net loans and leases to total assets | 55.4873% | 4,387 |
| Net loans and leases to deposits | 65.3564% | 4,374 |
| Net loans and leases to core deposits | 65.7526% | 4,716 |
| Total domestic deposits to total assets | 84.8996% | 3,796 |
| Equity capital to assets | 12.7677% | 1,383 |
| Core capital (leverage) ratio | 9.8060% | 3,833 |
| Tier 1 risk-based capital ratio | 19.5123% | 1,780 |
| Total risk-based capital ratio | 20.7764% | 1,737 |
| Memoranda: | ||
| Average total assets | $67,462,600 | 5,553 |
| Average earning assets | $59,165,200 | 5,619 |
| Average equity | $8,282,400 | 5,268 |
| Average total loans | $36,665,000 | 5,468 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 5,138 |
| Cost of funding earning assets | 0.6853% | 2,056 |
| Net interest margin | 3.0249% | 5,533 |
| Noninterest income to average assets | 0.2793% | 5,448 |
| Noninterest expense to average assets | 4.1551% | 715 |
| Loan and lease loss provision to assets | -0.3907% | 6,804 |
| Net operating income to assets | -0.5184% | 6,606 |
| Return on assets (ROA) | -0.5196% | 6,618 |
| Pretax return on assets | -0.8400% | 6,671 |
| Return on Equity (ROE) | -4.2728% | 6,581 |
| Retained earnings to average equity (ytd only) | -4.2728% | 6,459 |
| Net charge-offs to loans | -0.2433% | 6,687 |
| Credit loss provision to net charge-offs | 298.5075% | 856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.9893% | 93 |
| Assets per employee ($millions) | 2.8505% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7037% | 742 |
| Loan loss allowance to noncurrent loans | 153.0159% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 3,104 |
| Noncurrent loans to loans | 1.7669% | 2,548 |
| Net loans and leases to total assets | 52.9133% | 4,762 |
| Net loans and leases to deposits | 62.0446% | 4,760 |
| Net loans and leases to core deposits | 62.4096% | 5,070 |
| Total domestic deposits to total assets | 85.2826% | 3,592 |
| Equity capital to assets | 12.3806% | 1,648 |
| Core capital (leverage) ratio | 9.4500% | 4,477 |
| Tier 1 risk-based capital ratio | 19.6255% | 1,832 |
| Total risk-based capital ratio | 20.8993% | 1,789 |
| Memoranda: | ||
| Average total assets | $68,252,500 | 5,588 |
| Average earning assets | $59,725,000 | 5,655 |
| Average equity | $8,300,500 | 5,318 |
| Average total loans | $36,723,250 | 5,521 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 5,713 |
| Cost of funding earning assets | 0.7079% | 2,019 |
| Net interest margin | 2.7852% | 6,034 |
| Noninterest income to average assets | 0.5785% | 3,330 |
| Noninterest expense to average assets | 4.0752% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6547% | 6,683 |
| Return on assets (ROA) | -0.6566% | 6,697 |
| Pretax return on assets | -1.0644% | 6,749 |
| Return on Equity (ROE) | -5.4295% | 6,647 |
| Retained earnings to average equity (ytd only) | -5.4295% | 6,483 |
| Net charge-offs to loans | -0.7713% | 6,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.2207% | 109 |
| Assets per employee ($millions) | 2.5019% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3872% | 404 |
| Loan loss allowance to noncurrent loans | 116.8709% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 2.5388% | 1,664 |
| Noncurrent loans to loans | 2.8983% | 1,550 |
| Net loans and leases to total assets | 52.3575% | 4,810 |
| Net loans and leases to deposits | 61.1300% | 4,843 |
| Net loans and leases to core deposits | 61.4754% | 5,146 |
| Total domestic deposits to total assets | 85.6494% | 3,555 |
| Equity capital to assets | 12.0798% | 1,865 |
| Core capital (leverage) ratio | 9.4842% | 4,271 |
| Tier 1 risk-based capital ratio | 19.3398% | 1,899 |
| Total risk-based capital ratio | 20.6223% | 1,859 |
| Memoranda: | ||
| Average total assets | $69,149,330 | 5,602 |
| Average earning assets | $60,463,330 | 5,679 |
| Average equity | $8,361,670 | 5,348 |
| Average total loans | $37,079,330 | 5,537 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4419% | 5,855 |
| Cost of funding earning assets | 0.7092% | 2,131 |
| Net interest margin | 2.7327% | 6,160 |
| Noninterest income to average assets | 0.6290% | 2,986 |
| Noninterest expense to average assets | 3.9972% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5968% | 6,712 |
| Return on assets (ROA) | -0.6004% | 6,729 |
| Pretax return on assets | -0.9721% | 6,799 |
| Return on Equity (ROE) | -4.9631% | 6,694 |
| Retained earnings to average equity (ytd only) | -4.9631% | 6,364 |
| Net charge-offs to loans | -0.5467% | 6,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.8868% | 138 |
| Assets per employee ($millions) | 2.6597% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0887% | 600 |
| Loan loss allowance to noncurrent loans | 97.2881% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 2.6521% | 1,714 |
| Noncurrent loans to loans | 3.1748% | 1,560 |
| Net loans and leases to total assets | 52.0874% | 4,695 |
| Net loans and leases to deposits | 60.8569% | 4,701 |
| Net loans and leases to core deposits | 61.1898% | 5,030 |
| Total domestic deposits to total assets | 85.5899% | 3,745 |
| Equity capital to assets | 12.1499% | 1,938 |
| Core capital (leverage) ratio | 9.5982% | 3,932 |
| Tier 1 risk-based capital ratio | 20.0302% | 1,759 |
| Total risk-based capital ratio | 21.3091% | 1,728 |
| Memoranda: | ||
| Average total assets | $69,948,500 | 5,627 |
| Average earning assets | $61,478,000 | 5,695 |
| Average equity | $8,462,500 | 5,369 |
| Average total loans | $37,315,000 | 5,570 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 6,490 |
| Cost of funding earning assets | 0.8162% | 2,534 |
| Net interest margin | 2.5787% | 6,650 |
| Noninterest income to average assets | 0.4188% | 4,464 |
| Noninterest expense to average assets | 4.1785% | 790 |
| Loan and lease loss provision to assets | -0.3850% | 7,028 |
| Net operating income to assets | -0.6268% | 6,622 |
| Return on assets (ROA) | -0.6268% | 6,651 |
| Pretax return on assets | -1.0997% | 6,755 |
| Return on Equity (ROE) | -5.2970% | 6,606 |
| Retained earnings to average equity (ytd only) | -5.2970% | 6,446 |
| Net charge-offs to loans | 0.9301% | 1,204 |
| Credit loss provision to net charge-offs | -85.3293% | 6,319 |
| Earnings coverage of net charge-offs (x) | -3.2904% | 5,880 |
| Efficiency ratio | 155.1153% | 81 |
| Assets per employee ($millions) | 2.7209% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9283% | 714 |
| Loan loss allowance to noncurrent loans | 88.5391% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.7352% | 1,763 |
| Noncurrent loans to loans | 3.3074% | 1,551 |
| Net loans and leases to total assets | 51.4037% | 4,986 |
| Net loans and leases to deposits | 59.8837% | 5,039 |
| Net loans and leases to core deposits | 60.2010% | 5,344 |
| Total domestic deposits to total assets | 85.8391% | 3,434 |
| Equity capital to assets | 12.0477% | 2,014 |
| Core capital (leverage) ratio | 9.5081% | 4,094 |
| Tier 1 risk-based capital ratio | 20.3345% | 1,599 |
| Total risk-based capital ratio | 21.6112% | 1,565 |
| Memoranda: | ||
| Average total assets | $74,022,600 | 5,511 |
| Average earning assets | $65,304,200 | 5,578 |
| Average equity | $8,759,600 | 5,283 |
| Average total loans | $35,908,800 | 5,684 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 6,552 |
| Cost of funding earning assets | 0.8393% | 2,631 |
| Net interest margin | 2.6191% | 6,743 |
| Noninterest income to average assets | 0.6520% | 2,985 |
| Noninterest expense to average assets | 4.0636% | 865 |
| Loan and lease loss provision to assets | 0.0267% | 5,449 |
| Net operating income to assets | -0.6983% | 6,775 |
| Return on assets (ROA) | -0.6983% | 6,803 |
| Pretax return on assets | -1.1312% | 6,898 |
| Return on Equity (ROE) | -5.9266% | 6,750 |
| Retained earnings to average equity (ytd only) | -5.9266% | 6,668 |
| Net charge-offs to loans | 1.2500% | 767 |
| Credit loss provision to net charge-offs | 4.5045% | 5,134 |
| Earnings coverage of net charge-offs (x) | -1.8619% | 5,641 |
| Efficiency ratio | 137.3269% | 125 |
| Assets per employee ($millions) | 2.9104% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0835% | 283 |
| Loan loss allowance to noncurrent loans | 208.9686% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 2.2073% | 2,423 |
| Noncurrent loans to loans | 1.9541% | 2,891 |
| Net loans and leases to total assets | 45.1306% | 5,858 |
| Net loans and leases to deposits | 52.4846% | 5,943 |
| Net loans and leases to core deposits | 52.9740% | 6,120 |
| Total domestic deposits to total assets | 85.9882% | 3,265 |
| Equity capital to assets | 11.8582% | 2,385 |
| Core capital (leverage) ratio | 9.3913% | 4,448 |
| Tier 1 risk-based capital ratio | 22.6548% | 1,228 |
| Total risk-based capital ratio | 23.9450% | 1,202 |
| Memoranda: | ||
| Average total assets | $74,842,250 | 5,550 |
| Average earning assets | $65,924,250 | 5,619 |
| Average equity | $8,818,750 | 5,320 |
| Average total loans | $35,520,500 | 5,770 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5321% | 6,569 |
| Cost of funding earning assets | 0.8673% | 2,676 |
| Net interest margin | 2.6648% | 6,753 |
| Noninterest income to average assets | 0.6169% | 3,154 |
| Noninterest expense to average assets | 4.0616% | 876 |
| Loan and lease loss provision to assets | 0.0397% | 5,171 |
| Net operating income to assets | -0.6990% | 6,818 |
| Return on assets (ROA) | -0.6990% | 6,855 |
| Pretax return on assets | -1.1332% | 6,931 |
| Return on Equity (ROE) | -5.9444% | 6,798 |
| Retained earnings to average equity (ytd only) | -5.9444% | 6,669 |
| Net charge-offs to loans | 1.9027% | 458 |
| Credit loss provision to net charge-offs | 4.3860% | 4,792 |
| Earnings coverage of net charge-offs (x) | -1.2076% | 5,329 |
| Efficiency ratio | 136.8421% | 132 |
| Assets per employee ($millions) | 2.7876% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0596% | 329 |
| Loan loss allowance to noncurrent loans | 115.1741% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 2.8608% | 1,925 |
| Noncurrent loans to loans | 3.5248% | 1,625 |
| Net loans and leases to total assets | 42.0555% | 6,180 |
| Net loans and leases to deposits | 48.4467% | 6,285 |
| Net loans and leases to core deposits | 48.8606% | 6,411 |
| Total domestic deposits to total assets | 86.8079% | 2,889 |
| Equity capital to assets | 11.2063% | 2,891 |
| Core capital (leverage) ratio | 9.4906% | 4,151 |
| Tier 1 risk-based capital ratio | 22.6899% | 1,176 |
| Total risk-based capital ratio | 23.9806% | 1,152 |
| Memoranda: | ||
| Average total assets | $75,536,330 | 5,560 |
| Average earning assets | $66,646,000 | 5,624 |
| Average equity | $8,882,330 | 5,297 |
| Average total loans | $35,949,000 | 5,787 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 6,482 |
| Cost of funding earning assets | 0.9279% | 2,458 |
| Net interest margin | 2.7470% | 6,718 |
| Noninterest income to average assets | 0.7270% | 2,519 |
| Noninterest expense to average assets | 4.1951% | 750 |
| Loan and lease loss provision to assets | 0.0808% | 4,386 |
| Net operating income to assets | -0.6947% | 6,910 |
| Return on assets (ROA) | -0.6947% | 6,932 |
| Pretax return on assets | -1.1255% | 7,003 |
| Return on Equity (ROE) | -5.7654% | 6,877 |
| Retained earnings to average equity (ytd only) | -5.7654% | 6,640 |
| Net charge-offs to loans | 0.2608% | 2,628 |
| Credit loss provision to net charge-offs | 62.5000% | 3,063 |
| Earnings coverage of net charge-offs (x) | -8.0833% | 4,685 |
| Efficiency ratio | 133.1624% | 151 |
| Assets per employee ($millions) | 2.6714% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6759% | 221 |
| Loan loss allowance to noncurrent loans | 92.6207% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 3.6749% | 1,544 |
| Noncurrent loans to loans | 5.0485% | 1,109 |
| Net loans and leases to total assets | 44.9187% | 5,906 |
| Net loans and leases to deposits | 51.9667% | 5,972 |
| Net loans and leases to core deposits | 52.6126% | 6,157 |
| Total domestic deposits to total assets | 86.4375% | 3,283 |
| Equity capital to assets | 11.4636% | 2,470 |
| Core capital (leverage) ratio | 9.8392% | 3,581 |
| Tier 1 risk-based capital ratio | 20.9941% | 1,498 |
| Total risk-based capital ratio | 22.2907% | 1,457 |
| Memoranda: | ||
| Average total assets | $74,277,500 | 5,636 |
| Average earning assets | $65,525,000 | 5,702 |
| Average equity | $8,950,000 | 5,296 |
| Average total loans | $36,816,000 | 5,787 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 4,512 |
| Cost of funding earning assets | 1.1161% | 2,566 |
| Net interest margin | 3.5222% | 5,060 |
| Noninterest income to average assets | 0.4440% | 4,272 |
| Noninterest expense to average assets | 4.7756% | 466 |
| Loan and lease loss provision to assets | 0.9896% | 962 |
| Net operating income to assets | -1.2774% | 6,848 |
| Return on assets (ROA) | -1.0806% | 6,801 |
| Pretax return on assets | -1.8188% | 6,986 |
| Return on Equity (ROE) | -8.6378% | 6,699 |
| Retained earnings to average equity (ytd only) | -8.6378% | 6,650 |
| Net charge-offs to loans | 2.1260% | 622 |
| Credit loss provision to net charge-offs | 79.4844% | 4,479 |
| Earnings coverage of net charge-offs (x) | -0.9130% | 6,177 |
| Efficiency ratio | 131.2385% | 223 |
| Assets per employee ($millions) | 2.2930% | 7,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6221% | 237 |
| Loan loss allowance to noncurrent loans | 128.9256% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 3.1976% | 1,870 |
| Noncurrent loans to loans | 3.5851% | 1,784 |
| Net loans and leases to total assets | 49.8143% | 5,608 |
| Net loans and leases to deposits | 58.5618% | 5,646 |
| Net loans and leases to core deposits | 59.1162% | 5,924 |
| Total domestic deposits to total assets | 85.0627% | 3,809 |
| Equity capital to assets | 12.6878% | 1,665 |
| Core capital (leverage) ratio | 10.5004% | 2,729 |
| Tier 1 risk-based capital ratio | 21.4734% | 1,328 |
| Total risk-based capital ratio | 22.7675% | 1,286 |
| Memoranda: | ||
| Average total assets | $74,775,800 | 5,617 |
| Average earning assets | $67,827,200 | 5,618 |
| Average equity | $9,354,200 | 5,197 |
| Average total loans | $43,790,400 | 5,529 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 3,944 |
| Cost of funding earning assets | 1.1503% | 2,630 |
| Net interest margin | 3.6691% | 4,479 |
| Noninterest income to average assets | 0.4351% | 4,404 |
| Noninterest expense to average assets | 4.6164% | 515 |
| Loan and lease loss provision to assets | 1.2241% | 631 |
| Net operating income to assets | -1.2735% | 6,979 |
| Return on assets (ROA) | -1.1766% | 6,970 |
| Pretax return on assets | -1.9058% | 7,105 |
| Return on Equity (ROE) | -9.4367% | 6,879 |
| Retained earnings to average equity (ytd only) | -9.4367% | 6,841 |
| Net charge-offs to loans | 2.0415% | 613 |
| Credit loss provision to net charge-offs | 99.8563% | 3,425 |
| Earnings coverage of net charge-offs (x) | -0.6796% | 5,876 |
| Efficiency ratio | 122.0205% | 289 |
| Assets per employee ($millions) | 2.2485% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0274% | 181 |
| Loan loss allowance to noncurrent loans | 86.7547% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 4.2548% | 1,435 |
| Noncurrent loans to loans | 5.7950% | 984 |
| Net loans and leases to total assets | 48.5263% | 5,888 |
| Net loans and leases to deposits | 56.8420% | 5,947 |
| Net loans and leases to core deposits | 58.1972% | 6,113 |
| Total domestic deposits to total assets | 85.3704% | 3,569 |
| Equity capital to assets | 12.5177% | 1,909 |
| Core capital (leverage) ratio | 10.6105% | 2,747 |
| Tier 1 risk-based capital ratio | 21.6186% | 1,349 |
| Total risk-based capital ratio | 22.9183% | 1,314 |
| Memoranda: | ||
| Average total assets | $75,698,750 | 5,620 |
| Average earning assets | $69,079,750 | 5,612 |
| Average equity | $9,438,000 | 5,194 |
| Average total loans | $45,456,500 | 5,494 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 3,092 |
| Cost of funding earning assets | 1.2140% | 2,482 |
| Net interest margin | 3.7996% | 3,785 |
| Noninterest income to average assets | 0.2835% | 5,614 |
| Noninterest expense to average assets | 4.7297% | 470 |
| Loan and lease loss provision to assets | 1.7061% | 395 |
| Net operating income to assets | -1.6537% | 7,134 |
| Return on assets (ROA) | -1.5092% | 7,113 |
| Pretax return on assets | -2.4436% | 7,242 |
| Return on Equity (ROE) | -12.1206% | 6,988 |
| Retained earnings to average equity (ytd only) | -12.1206% | 6,941 |
| Net charge-offs to loans | 1.2507% | 1,246 |
| Credit loss provision to net charge-offs | 216.6667% | 1,376 |
| Earnings coverage of net charge-offs (x) | -1.2233% | 5,661 |
| Efficiency ratio | 125.5749% | 291 |
| Assets per employee ($millions) | 2.3329% | 7,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0760% | 180 |
| Loan loss allowance to noncurrent loans | 102.6376% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 3.9744% | 1,619 |
| Noncurrent loans to loans | 4.9456% | 1,325 |
| Net loans and leases to total assets | 56.5383% | 4,894 |
| Net loans and leases to deposits | 66.1790% | 4,976 |
| Net loans and leases to core deposits | 67.7415% | 5,317 |
| Total domestic deposits to total assets | 85.4324% | 3,654 |
| Equity capital to assets | 12.4699% | 1,796 |
| Core capital (leverage) ratio | 10.7304% | 2,491 |
| Tier 1 risk-based capital ratio | 18.8438% | 1,895 |
| Total risk-based capital ratio | 20.1435% | 1,841 |
| Memoranda: | ||
| Average total assets | $76,198,670 | 5,647 |
| Average earning assets | $69,849,670 | 5,633 |
| Average equity | $9,488,000 | 5,189 |
| Average total loans | $47,971,330 | 5,436 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 3,158 |
| Cost of funding earning assets | 1.2525% | 2,492 |
| Net interest margin | 3.7348% | 3,922 |
| Noninterest income to average assets | -0.1195% | 7,392 |
| Noninterest expense to average assets | 4.4068% | 645 |
| Loan and lease loss provision to assets | 1.0653% | 698 |
| Net operating income to assets | -1.3407% | 7,146 |
| Return on assets (ROA) | -1.3407% | 7,155 |
| Pretax return on assets | -2.1670% | 7,285 |
| Return on Equity (ROE) | -10.7753% | 7,047 |
| Retained earnings to average equity (ytd only) | -10.7753% | 6,899 |
| Net charge-offs to loans | 1.8824% | 685 |
| Credit loss provision to net charge-offs | 87.6068% | 2,981 |
| Earnings coverage of net charge-offs (x) | -0.9060% | 4,883 |
| Efficiency ratio | 133.3333% | 241 |
| Assets per employee ($millions) | 1.9701% | 7,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8852% | 456 |
| Loan loss allowance to noncurrent loans | 53.0059% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 5.1046% | 1,230 |
| Noncurrent loans to loans | 7.3298% | 720 |
| Net loans and leases to total assets | 60.4675% | 4,179 |
| Net loans and leases to deposits | 74.0949% | 3,746 |
| Net loans and leases to core deposits | 74.7699% | 4,454 |
| Total domestic deposits to total assets | 81.6082% | 5,457 |
| Equity capital to assets | 12.3450% | 1,716 |
| Core capital (leverage) ratio | 10.7396% | 2,407 |
| Tier 1 risk-based capital ratio | 17.5040% | 2,295 |
| Total risk-based capital ratio | 18.7870% | 2,246 |
| Memoranda: | ||
| Average total assets | $76,972,000 | 5,671 |
| Average earning assets | $70,580,000 | 5,649 |
| Average equity | $9,577,500 | 5,150 |
| Average total loans | $49,725,000 | 5,406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 2,561 |
| Cost of funding earning assets | 1.6445% | 1,851 |
| Net interest margin | 3.7811% | 4,022 |
| Noninterest income to average assets | 0.5588% | 3,758 |
| Noninterest expense to average assets | 4.3654% | 756 |
| Loan and lease loss provision to assets | 0.9632% | 1,684 |
| Net operating income to assets | -0.8288% | 6,590 |
| Return on assets (ROA) | -0.8101% | 6,610 |
| Pretax return on assets | -1.3497% | 6,799 |
| Return on Equity (ROE) | -6.2105% | 6,511 |
| Retained earnings to average equity (ytd only) | -6.2105% | 6,402 |
| Net charge-offs to loans | 0.7845% | 2,678 |
| Credit loss provision to net charge-offs | 175.5814% | 1,904 |
| Earnings coverage of net charge-offs (x) | -0.7581% | 6,539 |
| Efficiency ratio | 110.5297% | 525 |
| Assets per employee ($millions) | 2.0292% | 7,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7309% | 506 |
| Loan loss allowance to noncurrent loans | 92.3040% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 3.7777% | 1,811 |
| Noncurrent loans to loans | 4.0420% | 1,792 |
| Net loans and leases to total assets | 63.8119% | 3,912 |
| Net loans and leases to deposits | 78.3124% | 3,464 |
| Net loans and leases to core deposits | 79.3607% | 4,298 |
| Total domestic deposits to total assets | 81.4838% | 5,361 |
| Equity capital to assets | 12.5404% | 1,610 |
| Core capital (leverage) ratio | 11.1401% | 2,056 |
| Tier 1 risk-based capital ratio | 17.2291% | 2,254 |
| Total risk-based capital ratio | 18.5105% | 2,211 |
| Memoranda: | ||
| Average total assets | $78,388,400 | 5,631 |
| Average earning assets | $70,296,400 | 5,661 |
| Average equity | $10,224,600 | 5,068 |
| Average total loans | $54,812,000 | 5,279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5153% | 2,374 |
| Cost of funding earning assets | 1.7011% | 1,874 |
| Net interest margin | 3.8142% | 3,910 |
| Noninterest income to average assets | 0.6759% | 2,974 |
| Noninterest expense to average assets | 4.2079% | 814 |
| Loan and lease loss provision to assets | 0.9402% | 1,598 |
| Net operating income to assets | -0.6602% | 6,706 |
| Return on assets (ROA) | -0.6352% | 6,736 |
| Pretax return on assets | -1.0299% | 6,874 |
| Return on Equity (ROE) | -4.8246% | 6,638 |
| Retained earnings to average equity (ytd only) | -4.8246% | 6,544 |
| Net charge-offs to loans | 0.9832% | 2,036 |
| Credit loss provision to net charge-offs | 135.0365% | 2,982 |
| Earnings coverage of net charge-offs (x) | -0.1849% | 6,165 |
| Efficiency ratio | 103.1561% | 651 |
| Assets per employee ($millions) | 2.1359% | 7,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2939% | 644 |
| Loan loss allowance to noncurrent loans | 162.3706% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 3.1533% | 2,284 |
| Noncurrent loans to loans | 2.0286% | 3,643 |
| Net loans and leases to total assets | 64.1216% | 4,097 |
| Net loans and leases to deposits | 78.8357% | 3,665 |
| Net loans and leases to core deposits | 79.5510% | 4,580 |
| Total domestic deposits to total assets | 81.3357% | 5,258 |
| Equity capital to assets | 12.7828% | 1,693 |
| Core capital (leverage) ratio | 11.5702% | 1,899 |
| Tier 1 risk-based capital ratio | 17.7833% | 2,082 |
| Total risk-based capital ratio | 19.0553% | 2,042 |
| Memoranda: | ||
| Average total assets | $78,707,750 | 5,698 |
| Average earning assets | $70,227,250 | 5,729 |
| Average equity | $10,363,250 | 5,098 |
| Average total loans | $55,736,750 | 5,318 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 2,069 |
| Cost of funding earning assets | 1.6782% | 2,242 |
| Net interest margin | 3.9397% | 3,282 |
| Noninterest income to average assets | 1.0025% | 1,374 |
| Noninterest expense to average assets | 4.1017% | 922 |
| Loan and lease loss provision to assets | 0.9160% | 1,588 |
| Net operating income to assets | -0.3250% | 6,501 |
| Return on assets (ROA) | -0.2875% | 6,510 |
| Pretax return on assets | -0.4682% | 6,560 |
| Return on Equity (ROE) | -2.1626% | 6,433 |
| Retained earnings to average equity (ytd only) | -2.1626% | 6,173 |
| Net charge-offs to loans | 1.3404% | 1,413 |
| Credit loss provision to net charge-offs | 94.4882% | 4,284 |
| Earnings coverage of net charge-offs (x) | 0.4016% | 5,331 |
| Efficiency ratio | 91.3314% | 1,232 |
| Assets per employee ($millions) | 2.1279% | 7,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8282% | 975 |
| Loan loss allowance to noncurrent loans | 188.7545% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 3.4446% | 2,043 |
| Noncurrent loans to loans | 1.4984% | 4,456 |
| Net loans and leases to total assets | 68.1201% | 3,336 |
| Net loans and leases to deposits | 84.2716% | 2,828 |
| Net loans and leases to core deposits | 85.9242% | 3,846 |
| Total domestic deposits to total assets | 80.8340% | 5,460 |
| Equity capital to assets | 13.1787% | 1,486 |
| Core capital (leverage) ratio | 12.7489% | 1,305 |
| Tier 1 risk-based capital ratio | 18.5258% | 1,823 |
| Total risk-based capital ratio | 19.7932% | 1,788 |
| Memoranda: | ||
| Average total assets | $78,601,000 | 5,741 |
| Average earning assets | $69,600,000 | 5,789 |
| Average equity | $10,450,330 | 5,074 |
| Average total loans | $56,849,000 | 5,317 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 2,259 |
| Cost of funding earning assets | 1.6903% | 2,442 |
| Net interest margin | 3.8859% | 3,390 |
| Noninterest income to average assets | 1.4720% | 548 |
| Noninterest expense to average assets | 3.9065% | 1,158 |
| Loan and lease loss provision to assets | 0.3056% | 3,591 |
| Net operating income to assets | 0.4126% | 4,785 |
| Return on assets (ROA) | 0.4126% | 4,928 |
| Pretax return on assets | 0.6672% | 4,346 |
| Return on Equity (ROE) | 3.0894% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.0894% | 4,284 |
| Net charge-offs to loans | -0.0277% | 7,167 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0626% | 2,555 |
| Assets per employee ($millions) | 2.5691% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9013% | 902 |
| Loan loss allowance to noncurrent loans | 54.1982% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 5.2258% | 1,205 |
| Noncurrent loans to loans | 5.3531% | 1,325 |
| Net loans and leases to total assets | 69.1674% | 3,117 |
| Net loans and leases to deposits | 85.5295% | 2,673 |
| Net loans and leases to core deposits | 89.6657% | 3,411 |
| Total domestic deposits to total assets | 80.8696% | 5,505 |
| Equity capital to assets | 13.2391% | 1,427 |
| Core capital (leverage) ratio | 12.8757% | 1,259 |
| Tier 1 risk-based capital ratio | 17.6701% | 2,031 |
| Total risk-based capital ratio | 18.9331% | 2,005 |
| Memoranda: | ||
| Average total assets | $78,535,000 | 5,812 |
| Average earning assets | $68,864,500 | 5,881 |
| Average equity | $10,487,500 | 5,105 |
| Average total loans | $57,676,500 | 5,351 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9789% | 1,946 |
| Cost of funding earning assets | 1.8538% | 3,715 |
| Net interest margin | 4.1251% | 2,346 |
| Noninterest income to average assets | 0.6033% | 3,609 |
| Noninterest expense to average assets | 4.1887% | 1,110 |
| Loan and lease loss provision to assets | 3.5583% | 434 |
| Net operating income to assets | -2.1072% | 7,131 |
| Return on assets (ROA) | -2.1497% | 7,147 |
| Pretax return on assets | -3.4869% | 7,420 |
| Return on Equity (ROE) | -16.0172% | 6,990 |
| Retained earnings to average equity (ytd only) | -18.4023% | 7,049 |
| Net charge-offs to loans | 3.3423% | 598 |
| Credit loss provision to net charge-offs | 140.0873% | 3,478 |
| Earnings coverage of net charge-offs (x) | 0.0543% | 6,124 |
| Efficiency ratio | 96.8127% | 1,279 |
| Assets per employee ($millions) | 2.3463% | 7,411 |
| Cash dividends to net income (ytd only)* | -14.8912% | 7,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6987% | 1,015 |
| Loan loss allowance to noncurrent loans | 41.5114% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 5.5962% | 1,043 |
| Noncurrent loans to loans | 6.5012% | 925 |
| Net loans and leases to total assets | 73.6668% | 2,344 |
| Net loans and leases to deposits | 91.5508% | 1,955 |
| Net loans and leases to core deposits | 117.7036% | 2,160 |
| Total domestic deposits to total assets | 80.4655% | 5,530 |
| Equity capital to assets | 13.4720% | 1,333 |
| Core capital (leverage) ratio | 13.0823% | 1,229 |
| Tier 1 risk-based capital ratio | 17.1644% | 2,115 |
| Total risk-based capital ratio | 18.4314% | 2,064 |
| Memoranda: | ||
| Average total assets | $81,219,400 | 5,692 |
| Average earning assets | $73,307,200 | 5,708 |
| Average equity | $10,900,800 | 5,048 |
| Average total loans | $61,724,600 | 5,184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0020% | 2,035 |
| Cost of funding earning assets | 1.7582% | 4,599 |
| Net interest margin | 4.2438% | 1,891 |
| Noninterest income to average assets | 0.4738% | 4,720 |
| Noninterest expense to average assets | 3.8554% | 1,503 |
| Loan and lease loss provision to assets | 3.9593% | 307 |
| Net operating income to assets | -2.1657% | 7,372 |
| Return on assets (ROA) | -2.1387% | 7,360 |
| Pretax return on assets | -3.4644% | 7,606 |
| Return on Equity (ROE) | -15.9489% | 7,234 |
| Retained earnings to average equity (ytd only) | -19.0951% | 7,308 |
| Net charge-offs to loans | 2.6132% | 694 |
| Credit loss provision to net charge-offs | 199.1837% | 2,250 |
| Earnings coverage of net charge-offs (x) | 0.2278% | 5,790 |
| Efficiency ratio | 89.4915% | 1,734 |
| Assets per employee ($millions) | 2.3623% | 7,430 |
| Cash dividends to net income (ytd only)* | -19.7270% | 7,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2860% | 513 |
| Loan loss allowance to noncurrent loans | 47.5271% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 7.3593% | 624 |
| Noncurrent loans to loans | 6.9139% | 783 |
| Net loans and leases to total assets | 74.3779% | 2,420 |
| Net loans and leases to deposits | 95.8000% | 1,602 |
| Net loans and leases to core deposits | 122.1008% | 2,062 |
| Total domestic deposits to total assets | 77.6387% | 6,183 |
| Equity capital to assets | 13.9335% | 1,330 |
| Core capital (leverage) ratio | 13.3775% | 1,270 |
| Tier 1 risk-based capital ratio | 17.1477% | 2,231 |
| Total risk-based capital ratio | 18.4213% | 2,170 |
| Memoranda: | ||
| Average total assets | $82,167,500 | 5,689 |
| Average earning assets | $74,240,000 | 5,707 |
| Average equity | $11,018,250 | 5,072 |
| Average total loans | $62,500,750 | 5,189 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1459% | 1,631 |
| Cost of funding earning assets | 1.7507% | 5,004 |
| Net interest margin | 4.3952% | 1,419 |
| Noninterest income to average assets | 0.5409% | 4,106 |
| Noninterest expense to average assets | 3.8075% | 1,645 |
| Loan and lease loss provision to assets | 5.4086% | 169 |
| Net operating income to assets | -2.9020% | 7,652 |
| Return on assets (ROA) | -2.8622% | 7,642 |
| Pretax return on assets | -4.6356% | 7,821 |
| Return on Equity (ROE) | -21.6073% | 7,549 |
| Retained earnings to average equity (ytd only) | -26.3045% | 7,618 |
| Net charge-offs to loans | 2.5730% | 659 |
| Credit loss provision to net charge-offs | 277.3006% | 1,688 |
| Earnings coverage of net charge-offs (x) | 0.3644% | 5,317 |
| Efficiency ratio | 84.2691% | 2,447 |
| Assets per employee ($millions) | 2.4079% | 7,416 |
| Cash dividends to net income (ytd only)* | -21.7391% | 7,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5217% | 374 |
| Loan loss allowance to noncurrent loans | 73.9993% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 5.6553% | 882 |
| Noncurrent loans to loans | 4.7591% | 1,321 |
| Net loans and leases to total assets | 73.6167% | 2,811 |
| Net loans and leases to deposits | 107.4791% | 677 |
| Net loans and leases to core deposits | 134.0286% | 1,317 |
| Total domestic deposits to total assets | 68.4940% | 7,587 |
| Equity capital to assets | 13.3126% | 1,555 |
| Core capital (leverage) ratio | 12.9212% | 1,459 |
| Tier 1 risk-based capital ratio | 16.5970% | 2,422 |
| Total risk-based capital ratio | 17.8726% | 2,362 |
| Memoranda: | ||
| Average total assets | $83,571,330 | 5,681 |
| Average earning assets | $75,628,000 | 5,686 |
| Average equity | $11,070,330 | 5,069 |
| Average total loans | $63,350,330 | 5,195 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0071% | 2,333 |
| Cost of funding earning assets | 1.7677% | 5,276 |
| Net interest margin | 4.2394% | 1,779 |
| Noninterest income to average assets | 0.6017% | 3,537 |
| Noninterest expense to average assets | 3.6531% | 1,747 |
| Loan and lease loss provision to assets | 0.6870% | 1,841 |
| Net operating income to assets | 0.0711% | 6,065 |
| Return on assets (ROA) | 0.0711% | 6,225 |
| Pretax return on assets | 0.1137% | 6,135 |
| Return on Equity (ROE) | 0.5378% | 6,269 |
| Retained earnings to average equity (ytd only) | -8.7845% | 6,997 |
| Net charge-offs to loans | 0.1693% | 3,612 |
| Credit loss provision to net charge-offs | 537.0370% | 1,024 |
| Earnings coverage of net charge-offs (x) | 6.2593% | 2,522 |
| Efficiency ratio | 82.0213% | 2,533 |
| Assets per employee ($millions) | 2.3887% | 7,476 |
| Cash dividends to net income (ytd only)* | 1,733.3333% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 3,646 |
| Loan loss allowance to noncurrent loans | 17.8018% | 7,275 |
| Noncurrent assets plus other real estate owned to assets | 6.5582% | 561 |
| Noncurrent loans to loans | 7.7154% | 481 |
| Net loans and leases to total assets | 74.9812% | 2,508 |
| Net loans and leases to deposits | 104.2437% | 994 |
| Net loans and leases to core deposits | 133.4696% | 1,446 |
| Total domestic deposits to total assets | 71.9287% | 7,213 |
| Equity capital to assets | 13.2265% | 1,642 |
| Core capital (leverage) ratio | 12.9004% | 1,517 |
| Tier 1 risk-based capital ratio | 16.5805% | 2,485 |
| Total risk-based capital ratio | 17.8313% | 2,414 |
| Memoranda: | ||
| Average total assets | $84,422,000 | 5,661 |
| Average earning assets | $76,709,500 | 5,667 |
| Average equity | $11,156,000 | 5,065 |
| Average total loans | $63,790,500 | 5,216 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8154% | 1,624 |
| Cost of funding earning assets | 2.4810% | 4,309 |
| Net interest margin | 4.3345% | 1,875 |
| Noninterest income to average assets | 0.6518% | 3,461 |
| Noninterest expense to average assets | 3.4534% | 2,515 |
| Loan and lease loss provision to assets | 0.5027% | 2,801 |
| Net operating income to assets | 0.4354% | 5,007 |
| Return on assets (ROA) | 0.4541% | 4,763 |
| Pretax return on assets | 0.6315% | 4,596 |
| Return on Equity (ROE) | 3.6422% | 4,977 |
| Retained earnings to average equity (ytd only) | 0.6523% | 4,849 |
| Net charge-offs to loans | 0.7503% | 1,653 |
| Credit loss provision to net charge-offs | 91.5638% | 5,641 |
| Earnings coverage of net charge-offs (x) | 2.0185% | 5,063 |
| Efficiency ratio | 75.7058% | 3,281 |
| Assets per employee ($millions) | 2.5070% | 7,194 |
| Cash dividends to net income (ytd only)* | 82.0896% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 4,711 |
| Loan loss allowance to noncurrent loans | 19.0368% | 7,275 |
| Noncurrent assets plus other real estate owned to assets | 5.3696% | 611 |
| Noncurrent loans to loans | 6.1949% | 546 |
| Net loans and leases to total assets | 74.2207% | 3,050 |
| Net loans and leases to deposits | 108.8318% | 912 |
| Net loans and leases to core deposits | 138.5143% | 1,341 |
| Total domestic deposits to total assets | 68.1977% | 7,451 |
| Equity capital to assets | 13.2029% | 1,709 |
| Core capital (leverage) ratio | 13.1573% | 1,495 |
| Tier 1 risk-based capital ratio | 16.6004% | 2,448 |
| Total risk-based capital ratio | 17.7241% | 2,424 |
| Memoranda: | ||
| Average total assets | $88,521,600 | 5,404 |
| Average earning assets | $79,848,000 | 5,434 |
| Average equity | $11,037,200 | 5,107 |
| Average total loans | $64,773,200 | 5,061 |