Home > Cowboy State Bank > Performance and Condition Ratios
Cowboy State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2152% | 480 |
| Cost of funding earning assets | 0.3303% | 4,353 |
| Net interest margin | 5.8849% | 124 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 4.6280% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8007% | 2,872 |
| Return on assets (ROA) | 0.8426% | 2,710 |
| Pretax return on assets | 0.8426% | 3,109 |
| Return on Equity (ROE) | 7.8700% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.8703% | 1,582 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.2510% | 598 |
| Assets per employee ($millions) | 2.8866% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 959 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 1,817 |
| Noncurrent loans to loans | 0.4144% | 1,746 |
| Net loans and leases to total assets | 66.8800% | 2,159 |
| Net loans and leases to deposits | 75.4384% | 2,510 |
| Net loans and leases to core deposits | 82.3487% | 2,561 |
| Total domestic deposits to total assets | 88.6500% | 1,168 |
| Equity capital to assets | 11.2848% | 1,373 |
| Core capital (leverage) ratio | 11.6987% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3157% | 1,023 |
| Memoranda: | ||
| Average total assets | $47,710,000 | 4,336 |
| Average earning assets | $42,379,800 | 4,321 |
| Average equity | $5,107,800 | 4,249 |
| Average total loans | $28,275,600 | 4,166 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9934% | 536 |
| Cost of funding earning assets | 0.2746% | 4,386 |
| Net interest margin | 5.7189% | 140 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 4.5274% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7735% | 3,099 |
| Return on assets (ROA) | 0.7929% | 3,042 |
| Pretax return on assets | 0.7929% | 3,348 |
| Return on Equity (ROE) | 7.5000% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.5038% | 2,143 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.4079% | 539 |
| Assets per employee ($millions) | 3.0839% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 722 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 1,881 |
| Noncurrent loans to loans | 0.4528% | 1,691 |
| Net loans and leases to total assets | 61.0100% | 2,746 |
| Net loans and leases to deposits | 68.4600% | 2,950 |
| Net loans and leases to core deposits | 72.1602% | 3,097 |
| Total domestic deposits to total assets | 89.1200% | 1,207 |
| Equity capital to assets | 10.8714% | 1,398 |
| Core capital (leverage) ratio | 11.3612% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7784% | 978 |
| Memoranda: | ||
| Average total assets | $48,091,000 | 4,347 |
| Average earning assets | $42,734,750 | 4,338 |
| Average equity | $5,081,750 | 4,267 |
| Average total loans | $27,501,250 | 4,193 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8056% | 551 |
| Cost of funding earning assets | 0.2077% | 4,425 |
| Net interest margin | 5.5979% | 157 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 4.3941% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8008% | 3,077 |
| Return on assets (ROA) | 0.8460% | 2,946 |
| Pretax return on assets | 0.8460% | 3,287 |
| Return on Equity (ROE) | 8.0800% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.0795% | 1,931 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.5850% | 563 |
| Assets per employee ($millions) | 3.1313% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 757 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 1,816 |
| Noncurrent loans to loans | 0.4557% | 1,573 |
| Net loans and leases to total assets | 59.7000% | 2,798 |
| Net loans and leases to deposits | 67.5247% | 2,946 |
| Net loans and leases to core deposits | 70.2272% | 3,113 |
| Total domestic deposits to total assets | 88.4100% | 1,458 |
| Equity capital to assets | 11.4477% | 1,216 |
| Core capital (leverage) ratio | 11.6357% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9927% | 959 |
| Memoranda: | ||
| Average total assets | $48,701,667 | 4,362 |
| Average earning assets | $43,337,667 | 4,355 |
| Average equity | $5,099,333 | 4,285 |
| Average total loans | $27,099,000 | 4,210 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5666% | 561 |
| Cost of funding earning assets | 0.1991% | 4,381 |
| Net interest margin | 5.3675% | 180 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 4.4061% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5972% | 3,696 |
| Return on assets (ROA) | 0.5810% | 3,695 |
| Pretax return on assets | 0.5810% | 3,875 |
| Return on Equity (ROE) | 5.8100% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.8059% | 2,819 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.0645% | 417 |
| Assets per employee ($millions) | 3.0508% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 624 |
| Loan loss allowance to noncurrent loans | 275.0000% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 1,425 |
| Noncurrent loans to loans | 0.6658% | 1,131 |
| Net loans and leases to total assets | 53.1600% | 3,268 |
| Net loans and leases to deposits | 59.2294% | 3,384 |
| Net loans and leases to core deposits | 61.4672% | 3,476 |
| Total domestic deposits to total assets | 89.7500% | 1,249 |
| Equity capital to assets | 10.2145% | 1,715 |
| Core capital (leverage) ratio | 10.8486% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6063% | 893 |
| Memoranda: | ||
| Average total assets | $49,567,500 | 4,418 |
| Average earning assets | $44,192,000 | 4,409 |
| Average equity | $4,960,500 | 4,353 |
| Average total loans | $26,386,000 | 4,280 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 285 |
| Cost of funding earning assets | 0.1658% | 4,024 |
| Net interest margin | 4.8750% | 159 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 3.7678% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8112% | 3,287 |
| Return on assets (ROA) | 0.7498% | 3,421 |
| Pretax return on assets | 0.7498% | 3,746 |
| Return on Equity (ROE) | 8.2000% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.9601% | 1,854 |
| Net charge-offs to loans | 0.0147% | 1,836 |
| Credit loss provision to net charge-offs | 25.0000% | 1,916 |
| Earnings coverage of net charge-offs (x) | 109.2500% | 927 |
| Efficiency ratio | 82.2502% | 584 |
| Assets per employee ($millions) | 3.1451% | 4,504 |
| Cash dividends to net income (ytd only)* | 2.9777% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8376% | 613 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 1,865 |
| Noncurrent loans to loans | 0.4936% | 1,467 |
| Net loans and leases to total assets | 51.3800% | 3,404 |
| Net loans and leases to deposits | 57.0159% | 3,514 |
| Net loans and leases to core deposits | 58.0320% | 3,615 |
| Total domestic deposits to total assets | 90.1100% | 1,314 |
| Equity capital to assets | 9.8068% | 1,821 |
| Core capital (leverage) ratio | 10.0494% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8141% | 1,009 |
| Memoranda: | ||
| Average total assets | $53,744,800 | 4,400 |
| Average earning assets | $48,246,000 | 4,396 |
| Average equity | $4,912,000 | 4,440 |
| Average total loans | $27,216,600 | 4,280 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 272 |
| Cost of funding earning assets | 0.1793% | 3,529 |
| Net interest margin | 4.6503% | 178 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 3.6360% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7472% | 3,424 |
| Return on assets (ROA) | 0.6642% | 3,620 |
| Pretax return on assets | 0.6642% | 3,872 |
| Return on Equity (ROE) | 7.3900% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.3917% | 2,237 |
| Net charge-offs to loans | 0.0194% | 1,448 |
| Credit loss provision to net charge-offs | 25.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 76.7500% | 1,063 |
| Efficiency ratio | 82.9065% | 612 |
| Assets per employee ($millions) | 3.4179% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 562 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 2,037 |
| Noncurrent loans to loans | 0.5198% | 1,501 |
| Net loans and leases to total assets | 44.8500% | 3,828 |
| Net loans and leases to deposits | 49.3422% | 3,895 |
| Net loans and leases to core deposits | 50.9567% | 3,905 |
| Total domestic deposits to total assets | 90.9000% | 1,280 |
| Equity capital to assets | 9.0462% | 2,182 |
| Core capital (leverage) ratio | 9.3950% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6568% | 1,515 |
| Memoranda: | ||
| Average total assets | $54,600,500 | 4,427 |
| Average earning assets | $49,085,000 | 4,412 |
| Average equity | $4,906,250 | 4,483 |
| Average total loans | $27,436,000 | 4,311 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 205 |
| Cost of funding earning assets | 0.2283% | 2,527 |
| Net interest margin | 4.6398% | 157 |
| Noninterest income to average assets | 0.2272% | 3,831 |
| Noninterest expense to average assets | 3.5879% | 398 |
| Loan and lease loss provision to assets | 0.0037% | 2,544 |
| Net operating income to assets | 0.8063% | 2,934 |
| Return on assets (ROA) | 0.6817% | 3,328 |
| Pretax return on assets | 0.6817% | 3,622 |
| Return on Equity (ROE) | 7.6032% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.6032% | 1,767 |
| Net charge-offs to loans | 0.0283% | 1,157 |
| Credit loss provision to net charge-offs | 25.0000% | 1,585 |
| Earnings coverage of net charge-offs (x) | 55.2500% | 1,114 |
| Efficiency ratio | 81.5833% | 829 |
| Assets per employee ($millions) | 3.3756% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7298% | 914 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 2,124 |
| Noncurrent loans to loans | 0.4646% | 1,718 |
| Net loans and leases to total assets | 50.9091% | 3,278 |
| Net loans and leases to deposits | 55.9271% | 3,381 |
| Net loans and leases to core deposits | 57.7671% | 3,439 |
| Total domestic deposits to total assets | 91.0276% | 1,227 |
| Equity capital to assets | 8.8410% | 2,510 |
| Core capital (leverage) ratio | 9.2467% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,572,000 | 4,467 |
| Average earning assets | $49,053,667 | 4,468 |
| Average equity | $4,892,667 | 4,530 |
| Average total loans | $28,244,333 | 4,353 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 298 |
| Cost of funding earning assets | 0.2274% | 2,438 |
| Net interest margin | 4.2971% | 236 |
| Noninterest income to average assets | 0.2406% | 3,705 |
| Noninterest expense to average assets | 3.4273% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6709% | 3,157 |
| Return on assets (ROA) | 0.4813% | 3,725 |
| Pretax return on assets | 0.4813% | 3,900 |
| Return on Equity (ROE) | 5.3317% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,468 |
| Net charge-offs to loans | 0.0423% | 859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,120 |
| Efficiency ratio | 83.6299% | 877 |
| Assets per employee ($millions) | 3.4205% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 1,029 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 2,214 |
| Noncurrent loans to loans | 0.4601% | 1,873 |
| Net loans and leases to total assets | 50.7400% | 3,099 |
| Net loans and leases to deposits | 56.9072% | 3,180 |
| Net loans and leases to core deposits | 59.4040% | 3,193 |
| Total domestic deposits to total assets | 89.1628% | 2,000 |
| Equity capital to assets | 8.9607% | 2,742 |
| Core capital (leverage) ratio | 9.0361% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7790% | 1,566 |
| Memoranda: | ||
| Average total assets | $54,853,000 | 4,487 |
| Average earning assets | $49,242,500 | 4,494 |
| Average equity | $4,951,500 | 4,566 |
| Average total loans | $28,376,500 | 4,365 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 257 |
| Cost of funding earning assets | 0.3490% | 1,941 |
| Net interest margin | 4.6667% | 214 |
| Noninterest income to average assets | 0.1812% | 4,248 |
| Noninterest expense to average assets | 3.5430% | 450 |
| Loan and lease loss provision to assets | 0.0359% | 2,329 |
| Net operating income to assets | 0.8001% | 3,331 |
| Return on assets (ROA) | 0.8091% | 3,380 |
| Pretax return on assets | 0.8091% | 3,702 |
| Return on Equity (ROE) | 9.4895% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.1219% | 1,488 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9095% | 752 |
| Assets per employee ($millions) | 3.4361% | 4,605 |
| Cash dividends to net income (ytd only)* | 14.4124% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 1,029 |
| Loan loss allowance to noncurrent loans | 374.6154% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 2,374 |
| Noncurrent loans to loans | 0.4561% | 1,992 |
| Net loans and leases to total assets | 50.9531% | 3,178 |
| Net loans and leases to deposits | 57.1951% | 3,322 |
| Net loans and leases to core deposits | 61.0531% | 3,243 |
| Total domestic deposits to total assets | 89.0865% | 1,461 |
| Equity capital to assets | 9.0927% | 3,522 |
| Core capital (leverage) ratio | 8.6409% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5866% | 1,656 |
| Memoranda: | ||
| Average total assets | $55,743,000 | 4,501 |
| Average earning assets | $50,142,200 | 4,505 |
| Average equity | $4,752,600 | 4,652 |
| Average total loans | $27,697,200 | 4,419 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 220 |
| Cost of funding earning assets | 0.3393% | 2,208 |
| Net interest margin | 4.8698% | 180 |
| Noninterest income to average assets | 0.1526% | 4,431 |
| Noninterest expense to average assets | 3.6018% | 408 |
| Loan and lease loss provision to assets | 0.0483% | 2,034 |
| Net operating income to assets | 0.8820% | 3,302 |
| Return on assets (ROA) | 0.8987% | 3,327 |
| Pretax return on assets | 0.8987% | 3,700 |
| Return on Equity (ROE) | 10.7153% | 2,474 |
| Retained earnings to average equity (ytd only) | 10.7153% | 1,117 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4845% | 777 |
| Assets per employee ($millions) | 3.6684% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 1,251 |
| Loan loss allowance to noncurrent loans | 374.6154% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 2,674 |
| Noncurrent loans to loans | 0.4369% | 2,244 |
| Net loans and leases to total assets | 49.8611% | 3,428 |
| Net loans and leases to deposits | 55.5617% | 3,616 |
| Net loans and leases to core deposits | 58.9957% | 3,547 |
| Total domestic deposits to total assets | 89.7402% | 900 |
| Equity capital to assets | 8.5101% | 4,208 |
| Core capital (leverage) ratio | 8.7061% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7942% | 1,390 |
| Memoranda: | ||
| Average total assets | $55,934,250 | 4,560 |
| Average earning assets | $50,295,000 | 4,566 |
| Average equity | $4,691,000 | 4,722 |
| Average total loans | $27,496,500 | 4,480 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 152 |
| Cost of funding earning assets | 0.3688% | 2,148 |
| Net interest margin | 5.2322% | 131 |
| Noninterest income to average assets | 0.1527% | 4,437 |
| Noninterest expense to average assets | 3.5882% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2579% | 1,999 |
| Return on assets (ROA) | 1.2833% | 1,989 |
| Pretax return on assets | 1.2833% | 2,676 |
| Return on Equity (ROE) | 15.3824% | 1,070 |
| Retained earnings to average equity (ytd only) | 15.3824% | 384 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0435% | 1,241 |
| Assets per employee ($millions) | 3.4544% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 1,146 |
| Loan loss allowance to noncurrent loans | 359.2308% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 2,752 |
| Noncurrent loans to loans | 0.4623% | 2,291 |
| Net loans and leases to total assets | 50.0289% | 3,554 |
| Net loans and leases to deposits | 56.0474% | 3,707 |
| Net loans and leases to core deposits | 59.7278% | 3,636 |
| Total domestic deposits to total assets | 89.2618% | 1,159 |
| Equity capital to assets | 8.9289% | 3,860 |
| Core capital (leverage) ratio | 8.7620% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,014,000 | 4,596 |
| Average earning assets | $49,348,667 | 4,610 |
| Average equity | $4,589,667 | 4,762 |
| Average total loans | $26,744,333 | 4,531 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 549 |
| Cost of funding earning assets | 0.4066% | 2,043 |
| Net interest margin | 4.3180% | 501 |
| Noninterest income to average assets | 0.1385% | 4,514 |
| Noninterest expense to average assets | 3.5273% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4810% | 4,210 |
| Return on assets (ROA) | 0.5247% | 4,164 |
| Pretax return on assets | 0.5247% | 4,305 |
| Return on Equity (ROE) | 6.5203% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.5203% | 2,724 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0000% | 446 |
| Assets per employee ($millions) | 3.4887% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 931 |
| Loan loss allowance to noncurrent loans | 359.2308% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 2,981 |
| Noncurrent loans to loans | 0.4888% | 2,390 |
| Net loans and leases to total assets | 46.8084% | 3,904 |
| Net loans and leases to deposits | 51.9082% | 4,052 |
| Net loans and leases to core deposits | 55.6258% | 3,999 |
| Total domestic deposits to total assets | 90.1754% | 736 |
| Equity capital to assets | 7.9794% | 4,505 |
| Core capital (leverage) ratio | 8.2884% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8089% | 1,634 |
| Memoranda: | ||
| Average total assets | $54,886,000 | 4,617 |
| Average earning assets | $49,190,000 | 4,631 |
| Average equity | $4,417,000 | 4,798 |
| Average total loans | $26,057,500 | 4,571 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 210 |
| Cost of funding earning assets | 0.5990% | 2,319 |
| Net interest margin | 4.8215% | 162 |
| Noninterest income to average assets | 0.1722% | 4,422 |
| Noninterest expense to average assets | 3.7314% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6790% | 3,497 |
| Return on assets (ROA) | 0.6909% | 3,597 |
| Pretax return on assets | 0.6909% | 3,899 |
| Return on Equity (ROE) | 8.4516% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.4516% | 922 |
| Net charge-offs to loans | 0.0368% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 34.3000% | 1,496 |
| Efficiency ratio | 84.6050% | 591 |
| Assets per employee ($millions) | 3.3721% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 813 |
| Loan loss allowance to noncurrent loans | 359.2308% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,084 |
| Noncurrent loans to loans | 0.5094% | 2,442 |
| Net loans and leases to total assets | 46.4349% | 4,102 |
| Net loans and leases to deposits | 51.6003% | 4,238 |
| Net loans and leases to core deposits | 55.4982% | 4,181 |
| Total domestic deposits to total assets | 89.9894% | 572 |
| Equity capital to assets | 8.1182% | 4,655 |
| Core capital (leverage) ratio | 8.3438% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5795% | 1,662 |
| Memoranda: | ||
| Average total assets | $50,516,600 | 4,648 |
| Average earning assets | $44,405,200 | 4,667 |
| Average equity | $4,129,400 | 4,835 |
| Average total loans | $27,202,800 | 4,574 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 243 |
| Cost of funding earning assets | 0.6591% | 2,276 |
| Net interest margin | 4.8129% | 199 |
| Noninterest income to average assets | 0.1557% | 4,511 |
| Noninterest expense to average assets | 3.7939% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5773% | 3,839 |
| Return on assets (ROA) | 0.5773% | 3,934 |
| Pretax return on assets | 0.5773% | 4,145 |
| Return on Equity (ROE) | 7.0489% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.0489% | 1,669 |
| Net charge-offs to loans | 0.0483% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,861 |
| Efficiency ratio | 86.7936% | 466 |
| Assets per employee ($millions) | 3.5003% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 807 |
| Loan loss allowance to noncurrent loans | 359.2308% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 3,197 |
| Noncurrent loans to loans | 0.4871% | 2,604 |
| Net loans and leases to total assets | 49.9448% | 4,102 |
| Net loans and leases to deposits | 55.5125% | 4,283 |
| Net loans and leases to core deposits | 59.7934% | 4,217 |
| Total domestic deposits to total assets | 89.9703% | 436 |
| Equity capital to assets | 8.0737% | 4,686 |
| Core capital (leverage) ratio | 8.4137% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9790% | 1,838 |
| Memoranda: | ||
| Average total assets | $49,657,500 | 4,679 |
| Average earning assets | $43,493,250 | 4,700 |
| Average equity | $4,066,750 | 4,861 |
| Average total loans | $27,623,500 | 4,588 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6293% | 262 |
| Cost of funding earning assets | 0.7603% | 2,054 |
| Net interest margin | 4.8689% | 254 |
| Noninterest income to average assets | 0.1560% | 4,514 |
| Noninterest expense to average assets | 3.9172% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4722% | 4,080 |
| Return on assets (ROA) | 0.4722% | 4,147 |
| Pretax return on assets | 0.4722% | 4,296 |
| Return on Equity (ROE) | 5.7366% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.7366% | 2,179 |
| Net charge-offs to loans | 0.0358% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,614 |
| Efficiency ratio | 89.2423% | 409 |
| Assets per employee ($millions) | 3.3464% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 772 |
| Loan loss allowance to noncurrent loans | 363.0769% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0559% | 1,104 |
| Noncurrent loans to loans | 0.4765% | 2,720 |
| Net loans and leases to total assets | 53.4086% | 3,926 |
| Net loans and leases to deposits | 59.4923% | 4,141 |
| Net loans and leases to core deposits | 64.2763% | 4,062 |
| Total domestic deposits to total assets | 89.7741% | 469 |
| Equity capital to assets | 8.1660% | 4,646 |
| Core capital (leverage) ratio | 8.8290% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6721% | 1,936 |
| Memoranda: | ||
| Average total assets | $48,708,667 | 4,709 |
| Average earning assets | $42,350,000 | 4,736 |
| Average equity | $4,009,333 | 4,894 |
| Average total loans | $27,934,667 | 4,599 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 206 |
| Cost of funding earning assets | 0.8927% | 1,906 |
| Net interest margin | 4.9531% | 212 |
| Noninterest income to average assets | 0.1918% | 4,404 |
| Noninterest expense to average assets | 3.9112% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5838% | 3,647 |
| Return on assets (ROA) | 0.5838% | 3,707 |
| Pretax return on assets | 0.5838% | 3,943 |
| Return on Equity (ROE) | 7.0627% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.0627% | 1,513 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0130% | 637 |
| Assets per employee ($millions) | 2.9074% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 827 |
| Loan loss allowance to noncurrent loans | 366.9231% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 1,123 |
| Noncurrent loans to loans | 0.4710% | 2,836 |
| Net loans and leases to total assets | 58.3074% | 3,647 |
| Net loans and leases to deposits | 64.9957% | 3,924 |
| Net loans and leases to core deposits | 70.6207% | 3,843 |
| Total domestic deposits to total assets | 89.7096% | 413 |
| Equity capital to assets | 8.0870% | 4,952 |
| Core capital (leverage) ratio | 8.8283% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5531% | 2,457 |
| Memoranda: | ||
| Average total assets | $47,965,000 | 4,744 |
| Average earning assets | $41,671,000 | 4,779 |
| Average equity | $3,964,500 | 4,944 |
| Average total loans | $28,261,500 | 4,630 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 419 |
| Cost of funding earning assets | 0.9756% | 1,828 |
| Net interest margin | 4.6992% | 473 |
| Noninterest income to average assets | 0.3983% | 3,302 |
| Noninterest expense to average assets | 3.9992% | 531 |
| Loan and lease loss provision to assets | 0.1733% | 1,206 |
| Net operating income to assets | 0.3508% | 4,678 |
| Return on assets (ROA) | 0.3508% | 4,708 |
| Pretax return on assets | 0.3508% | 4,768 |
| Return on Equity (ROE) | 4.4076% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.4076% | 2,758 |
| Net charge-offs to loans | 0.0971% | 1,751 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 9.0714% | 2,704 |
| Efficiency ratio | 88.4124% | 418 |
| Assets per employee ($millions) | 3.0882% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 884 |
| Loan loss allowance to noncurrent loans | 366.9231% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 1,154 |
| Noncurrent loans to loans | 0.4495% | 2,830 |
| Net loans and leases to total assets | 57.5682% | 3,804 |
| Net loans and leases to deposits | 64.3305% | 4,058 |
| Net loans and leases to core deposits | 68.7642% | 4,041 |
| Total domestic deposits to total assets | 89.4882% | 494 |
| Equity capital to assets | 8.4333% | 4,939 |
| Core capital (leverage) ratio | 8.3636% | 4,920 |
| Tier 1 risk-based capital ratio | 12.0982% | 4,306 |
| Total risk-based capital ratio | 13.3498% | 4,187 |
| Memoranda: | ||
| Average total assets | $48,459,200 | 4,777 |
| Average earning assets | $42,539,400 | 4,807 |
| Average equity | $3,857,000 | 5,002 |
| Average total loans | $28,832,800 | 4,665 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 511 |
| Cost of funding earning assets | 0.9982% | 1,770 |
| Net interest margin | 4.5847% | 634 |
| Noninterest income to average assets | 0.4839% | 2,833 |
| Noninterest expense to average assets | 4.0203% | 517 |
| Loan and lease loss provision to assets | 0.2323% | 727 |
| Net operating income to assets | 0.2571% | 4,894 |
| Return on assets (ROA) | 0.2571% | 4,909 |
| Pretax return on assets | 0.2571% | 4,943 |
| Return on Equity (ROE) | 3.2809% | 4,721 |
| Retained earnings to average equity (ytd only) | 3.2809% | 3,771 |
| Net charge-offs to loans | 0.1018% | 1,454 |
| Credit loss provision to net charge-offs | 381.8182% | 793 |
| Earnings coverage of net charge-offs (x) | 8.0460% | 2,693 |
| Efficiency ratio | 89.1478% | 358 |
| Assets per employee ($millions) | 3.3321% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 882 |
| Loan loss allowance to noncurrent loans | 135.6742% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 728 |
| Noncurrent loans to loans | 1.2224% | 1,281 |
| Net loans and leases to total assets | 57.3026% | 3,941 |
| Net loans and leases to deposits | 63.9665% | 4,173 |
| Net loans and leases to core deposits | 68.2741% | 4,154 |
| Total domestic deposits to total assets | 89.5822% | 418 |
| Equity capital to assets | 8.2930% | 5,070 |
| Core capital (leverage) ratio | 7.9544% | 5,128 |
| Tier 1 risk-based capital ratio | 10.2122% | 5,151 |
| Total risk-based capital ratio | 11.4622% | 5,074 |
| Memoranda: | ||
| Average total assets | $48,221,250 | 4,848 |
| Average earning assets | $42,342,250 | 4,878 |
| Average equity | $3,779,500 | 5,086 |
| Average total loans | $28,810,500 | 4,731 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5018% | 566 |
| Cost of funding earning assets | 0.9934% | 1,727 |
| Net interest margin | 4.5084% | 757 |
| Noninterest income to average assets | 0.6382% | 1,980 |
| Noninterest expense to average assets | 3.9887% | 545 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6130% | 4,275 |
| Return on assets (ROA) | 0.6130% | 4,310 |
| Pretax return on assets | 0.6130% | 4,521 |
| Return on Equity (ROE) | 7.9832% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.9832% | 1,402 |
| Net charge-offs to loans | 0.1533% | 1,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 6.6364% | 2,548 |
| Efficiency ratio | 86.6788% | 508 |
| Assets per employee ($millions) | 3.2171% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 1,458 |
| Loan loss allowance to noncurrent loans | 306.9231% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 1,240 |
| Noncurrent loans to loans | 0.4694% | 2,870 |
| Net loans and leases to total assets | 56.5617% | 4,042 |
| Net loans and leases to deposits | 62.8743% | 4,286 |
| Net loans and leases to core deposits | 66.7931% | 4,277 |
| Total domestic deposits to total assets | 89.9600% | 342 |
| Equity capital to assets | 7.8724% | 5,199 |
| Core capital (leverage) ratio | 7.8291% | 5,199 |
| Tier 1 risk-based capital ratio | 11.7023% | 4,569 |
| Total risk-based capital ratio | 12.9474% | 4,480 |
| Memoranda: | ||
| Average total assets | $47,634,330 | 4,896 |
| Average earning assets | $41,877,000 | 4,927 |
| Average equity | $3,657,670 | 5,136 |
| Average total loans | $28,706,000 | 4,772 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 473 |
| Cost of funding earning assets | 0.9614% | 1,742 |
| Net interest margin | 4.5953% | 614 |
| Noninterest income to average assets | 0.1437% | 4,874 |
| Noninterest expense to average assets | 3.8290% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3550% | 4,819 |
| Return on assets (ROA) | 0.3550% | 4,825 |
| Pretax return on assets | 0.3550% | 4,894 |
| Return on Equity (ROE) | 4.6836% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.6836% | 3,042 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5152% | 341 |
| Assets per employee ($millions) | 3.1834% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,393 |
| Loan loss allowance to noncurrent loans | 111.0818% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 1,094 |
| Noncurrent loans to loans | 1.3336% | 1,223 |
| Net loans and leases to total assets | 58.6333% | 3,821 |
| Net loans and leases to deposits | 64.9952% | 4,124 |
| Net loans and leases to core deposits | 69.4722% | 4,104 |
| Total domestic deposits to total assets | 90.2117% | 381 |
| Equity capital to assets | 7.6061% | 5,247 |
| Core capital (leverage) ratio | 7.6756% | 5,263 |
| Tier 1 risk-based capital ratio | 10.9031% | 5,019 |
| Total risk-based capital ratio | 12.1591% | 4,919 |
| Memoranda: | ||
| Average total assets | $47,323,000 | 4,950 |
| Average earning assets | $41,607,500 | 4,981 |
| Average equity | $3,587,000 | 5,193 |
| Average total loans | $29,212,000 | 4,807 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 319 |
| Cost of funding earning assets | 0.6922% | 2,140 |
| Net interest margin | 4.9328% | 305 |
| Noninterest income to average assets | 0.1622% | 4,911 |
| Noninterest expense to average assets | 4.3740% | 333 |
| Loan and lease loss provision to assets | 0.6511% | 166 |
| Net operating income to assets | -0.5776% | 5,323 |
| Return on assets (ROA) | -1.1097% | 5,336 |
| Pretax return on assets | -1.1097% | 5,338 |
| Return on Equity (ROE) | -13.8052% | 5,368 |
| Retained earnings to average equity (ytd only) | -13.8052% | 5,353 |
| Net charge-offs to loans | 1.0329% | 141 |
| Credit loss provision to net charge-offs | 98.0456% | 2,595 |
| Earnings coverage of net charge-offs (x) | 0.1107% | 3,714 |
| Efficiency ratio | 98.3463% | 167 |
| Assets per employee ($millions) | 3.1263% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,825 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 63.0856% | 3,455 |
| Net loans and leases to deposits | 69.9154% | 3,834 |
| Net loans and leases to core deposits | 74.8640% | 3,794 |
| Total domestic deposits to total assets | 90.2314% | 403 |
| Equity capital to assets | 7.5530% | 5,275 |
| Core capital (leverage) ratio | 7.6194% | 5,307 |
| Tier 1 risk-based capital ratio | 10.6402% | 5,129 |
| Total risk-based capital ratio | 11.8845% | 5,026 |
| Memoranda: | ||
| Average total assets | $46,227,600 | 5,014 |
| Average earning assets | $40,159,400 | 5,044 |
| Average equity | $3,716,000 | 5,210 |
| Average total loans | $29,722,000 | 4,824 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 344 |
| Cost of funding earning assets | 0.6110% | 2,401 |
| Net interest margin | 4.9112% | 313 |
| Noninterest income to average assets | 0.1245% | 5,121 |
| Noninterest expense to average assets | 4.5214% | 285 |
| Loan and lease loss provision to assets | 0.8713% | 100 |
| Net operating income to assets | -1.0276% | 5,424 |
| Return on assets (ROA) | -1.0276% | 5,418 |
| Pretax return on assets | -1.0102% | 5,413 |
| Return on Equity (ROE) | -12.5900% | 5,433 |
| Retained earnings to average equity (ytd only) | -12.5900% | 5,411 |
| Net charge-offs to loans | 1.3804% | 91 |
| Credit loss provision to net charge-offs | 98.0456% | 2,322 |
| Earnings coverage of net charge-offs (x) | -0.1564% | 3,423 |
| Efficiency ratio | 103.1704% | 115 |
| Assets per employee ($millions) | 2.9730% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 1,717 |
| Loan loss allowance to noncurrent loans | 809.6154% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 2,575 |
| Noncurrent loans to loans | 0.1724% | 4,118 |
| Net loans and leases to total assets | 62.5273% | 3,599 |
| Net loans and leases to deposits | 72.4485% | 3,734 |
| Net loans and leases to core deposits | 77.3108% | 3,710 |
| Total domestic deposits to total assets | 86.3059% | 2,055 |
| Equity capital to assets | 7.2885% | 5,351 |
| Core capital (leverage) ratio | 7.6954% | 5,371 |
| Tier 1 risk-based capital ratio | 9.5632% | 5,435 |
| Total risk-based capital ratio | 10.6844% | 5,424 |
| Memoranda: | ||
| Average total assets | $46,060,750 | 5,067 |
| Average earning assets | $39,935,000 | 5,114 |
| Average equity | $3,759,500 | 5,271 |
| Average total loans | $29,651,250 | 4,881 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 305 |
| Cost of funding earning assets | 0.5533% | 2,586 |
| Net interest margin | 4.9749% | 257 |
| Noninterest income to average assets | 0.1668% | 4,993 |
| Noninterest expense to average assets | 4.5041% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0615% | 5,365 |
| Return on assets (ROA) | -0.0615% | 5,358 |
| Pretax return on assets | -0.0351% | 5,349 |
| Return on Equity (ROE) | -0.7260% | 5,368 |
| Retained earnings to average equity (ytd only) | -0.7260% | 5,049 |
| Net charge-offs to loans | 0.0068% | 2,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -8.0000% | 3,180 |
| Efficiency ratio | 100.7859% | 159 |
| Assets per employee ($millions) | 3.1096% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 1,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 2,512 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.0857% | 3,137 |
| Net loans and leases to deposits | 77.5335% | 3,199 |
| Net loans and leases to core deposits | 82.3229% | 3,216 |
| Total domestic deposits to total assets | 85.2350% | 2,584 |
| Equity capital to assets | 8.1597% | 5,164 |
| Core capital (leverage) ratio | 8.5615% | 5,064 |
| Tier 1 risk-based capital ratio | 10.2811% | 5,347 |
| Total risk-based capital ratio | 11.4044% | 5,317 |
| Memoranda: | ||
| Average total assets | $45,558,330 | 5,139 |
| Average earning assets | $39,397,670 | 5,174 |
| Average equity | $3,857,000 | 5,324 |
| Average total loans | $29,480,330 | 4,933 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 320 |
| Cost of funding earning assets | 0.5342% | 2,517 |
| Net interest margin | 4.8899% | 282 |
| Noninterest income to average assets | 0.1866% | 4,906 |
| Noninterest expense to average assets | 4.3629% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0533% | 5,357 |
| Return on assets (ROA) | 0.0533% | 5,353 |
| Pretax return on assets | 0.0533% | 5,355 |
| Return on Equity (ROE) | 0.6182% | 5,341 |
| Retained earnings to average equity (ytd only) | 0.6182% | 4,708 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7928% | 193 |
| Assets per employee ($millions) | 2.9355% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 2,490 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.4244% | 3,254 |
| Net loans and leases to deposits | 71.4991% | 3,660 |
| Net loans and leases to core deposits | 76.3771% | 3,639 |
| Total domestic deposits to total assets | 90.1051% | 618 |
| Equity capital to assets | 8.7116% | 4,816 |
| Core capital (leverage) ratio | 8.8792% | 4,818 |
| Tier 1 risk-based capital ratio | 10.7113% | 5,277 |
| Total risk-based capital ratio | 11.8727% | 5,216 |
| Memoranda: | ||
| Average total assets | $45,015,500 | 5,207 |
| Average earning assets | $38,937,500 | 5,236 |
| Average equity | $3,882,500 | 5,377 |
| Average total loans | $28,595,000 | 5,001 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 462 |
| Cost of funding earning assets | 0.4613% | 2,678 |
| Net interest margin | 4.7191% | 407 |
| Noninterest income to average assets | 0.1770% | 5,071 |
| Noninterest expense to average assets | 4.0341% | 510 |
| Loan and lease loss provision to assets | 0.0432% | 3,380 |
| Net operating income to assets | 0.2288% | 5,052 |
| Return on assets (ROA) | 0.2288% | 5,069 |
| Pretax return on assets | 0.2288% | 5,281 |
| Return on Equity (ROE) | 2.4899% | 4,952 |
| Retained earnings to average equity (ytd only) | -6.2247% | 5,469 |
| Net charge-offs to loans | 0.3358% | 757 |
| Credit loss provision to net charge-offs | 20.8333% | 3,603 |
| Earnings coverage of net charge-offs (x) | 1.3125% | 3,905 |
| Efficiency ratio | 93.6842% | 305 |
| Assets per employee ($millions) | 3.0665% | 5,148 |
| Cash dividends to net income (ytd only)* | 350.0000% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 2,613 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.8026% | 3,756 |
| Net loans and leases to deposits | 66.5382% | 4,144 |
| Net loans and leases to core deposits | 70.3456% | 4,153 |
| Total domestic deposits to total assets | 91.3801% | 161 |
| Equity capital to assets | 8.5417% | 5,090 |
| Core capital (leverage) ratio | 8.6474% | 4,994 |
| Tier 1 risk-based capital ratio | 10.8244% | 5,248 |
| Total risk-based capital ratio | 11.9890% | 5,173 |
| Memoranda: | ||
| Average total assets | $46,330,600 | 5,221 |
| Average earning assets | $40,537,200 | 5,264 |
| Average equity | $4,257,200 | 5,384 |
| Average total loans | $28,591,200 | 5,055 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 385 |
| Cost of funding earning assets | 0.4488% | 2,728 |
| Net interest margin | 4.7958% | 335 |
| Noninterest income to average assets | 0.1781% | 5,124 |
| Noninterest expense to average assets | 3.9326% | 565 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4510% | 4,882 |
| Return on assets (ROA) | 0.4510% | 4,908 |
| Pretax return on assets | 0.4510% | 5,114 |
| Return on Equity (ROE) | 4.8241% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.8241% | 3,005 |
| Net charge-offs to loans | 0.4469% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.6354% | 3,558 |
| Efficiency ratio | 89.7117% | 419 |
| Assets per employee ($millions) | 3.0486% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 1,887 |
| Loan loss allowance to noncurrent loans | 152.4345% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 2,767 |
| Noncurrent loans to loans | 0.9189% | 2,088 |
| Net loans and leases to total assets | 62.6473% | 3,588 |
| Net loans and leases to deposits | 69.3959% | 4,011 |
| Net loans and leases to core deposits | 72.9607% | 4,066 |
| Total domestic deposits to total assets | 90.2753% | 383 |
| Equity capital to assets | 9.6328% | 4,316 |
| Core capital (leverage) ratio | 9.6887% | 3,952 |
| Tier 1 risk-based capital ratio | 11.8971% | 4,702 |
| Total risk-based capital ratio | 12.9981% | 4,679 |
| Memoranda: | ||
| Average total assets | $46,413,750 | 5,281 |
| Average earning assets | $40,701,000 | 5,316 |
| Average equity | $4,339,250 | 5,428 |
| Average total loans | $28,640,250 | 5,109 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 373 |
| Cost of funding earning assets | 0.4351% | 2,754 |
| Net interest margin | 4.7909% | 328 |
| Noninterest income to average assets | 0.1801% | 5,154 |
| Noninterest expense to average assets | 4.1679% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2144% | 5,375 |
| Return on assets (ROA) | 0.2144% | 5,389 |
| Pretax return on assets | 0.2144% | 5,421 |
| Return on Equity (ROE) | 2.3162% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.3162% | 4,292 |
| Net charge-offs to loans | 0.6736% | 289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.5208% | 3,368 |
| Efficiency ratio | 95.1076% | 280 |
| Assets per employee ($millions) | 3.0421% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,830 |
| Loan loss allowance to noncurrent loans | 99.7549% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1790% | 1,446 |
| Noncurrent loans to loans | 1.4317% | 1,329 |
| Net loans and leases to total assets | 61.5612% | 3,678 |
| Net loans and leases to deposits | 68.0796% | 4,067 |
| Net loans and leases to core deposits | 71.5640% | 4,122 |
| Total domestic deposits to total assets | 90.4254% | 382 |
| Equity capital to assets | 9.4519% | 4,452 |
| Core capital (leverage) ratio | 9.3412% | 4,310 |
| Tier 1 risk-based capital ratio | 11.8287% | 4,744 |
| Total risk-based capital ratio | 12.9496% | 4,721 |
| Memoranda: | ||
| Average total assets | $46,642,000 | 5,318 |
| Average earning assets | $40,911,000 | 5,352 |
| Average equity | $4,317,330 | 5,471 |
| Average total loans | $28,502,000 | 5,156 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 547 |
| Cost of funding earning assets | 0.3960% | 3,033 |
| Net interest margin | 4.5782% | 455 |
| Noninterest income to average assets | 0.1866% | 5,155 |
| Noninterest expense to average assets | 3.9366% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2715% | 5,260 |
| Return on assets (ROA) | 0.2715% | 5,277 |
| Pretax return on assets | 0.2715% | 5,353 |
| Return on Equity (ROE) | 2.9633% | 5,110 |
| Retained earnings to average equity (ytd only) | 2.9633% | 3,931 |
| Net charge-offs to loans | -0.0140% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5484% | 399 |
| Assets per employee ($millions) | 3.1699% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 950 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 1,384 |
| Noncurrent loans to loans | 1.5469% | 1,272 |
| Net loans and leases to total assets | 57.6710% | 4,004 |
| Net loans and leases to deposits | 67.2767% | 4,062 |
| Net loans and leases to core deposits | 70.7518% | 4,092 |
| Total domestic deposits to total assets | 85.7221% | 2,787 |
| Equity capital to assets | 8.9403% | 4,869 |
| Core capital (leverage) ratio | 9.1259% | 4,574 |
| Tier 1 risk-based capital ratio | 11.6392% | 4,953 |
| Total risk-based capital ratio | 12.8915% | 4,846 |
| Memoranda: | ||
| Average total assets | $47,147,500 | 5,365 |
| Average earning assets | $41,413,500 | 5,396 |
| Average equity | $4,319,500 | 5,523 |
| Average total loans | $28,504,000 | 5,205 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4746% | 257 |
| Cost of funding earning assets | 0.3909% | 3,094 |
| Net interest margin | 5.0838% | 218 |
| Noninterest income to average assets | 0.6325% | 2,489 |
| Noninterest expense to average assets | 4.2585% | 461 |
| Loan and lease loss provision to assets | 0.0022% | 4,306 |
| Net operating income to assets | 0.8040% | 3,288 |
| Return on assets (ROA) | 0.8040% | 3,388 |
| Pretax return on assets | 0.8040% | 4,180 |
| Return on Equity (ROE) | 8.5311% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.5311% | 689 |
| Net charge-offs to loans | -0.4056% | 5,817 |
| Credit loss provision to net charge-offs | -0.8696% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0809% | 1,003 |
| Assets per employee ($millions) | 3.1164% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,088 |
| Loan loss allowance to noncurrent loans | 116.4352% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 1,344 |
| Noncurrent loans to loans | 1.4855% | 1,358 |
| Net loans and leases to total assets | 61.1368% | 3,710 |
| Net loans and leases to deposits | 71.7759% | 3,732 |
| Net loans and leases to core deposits | 72.4124% | 4,062 |
| Total domestic deposits to total assets | 85.1773% | 2,969 |
| Equity capital to assets | 9.3869% | 4,382 |
| Core capital (leverage) ratio | 9.1210% | 4,592 |
| Tier 1 risk-based capital ratio | 11.5483% | 5,024 |
| Total risk-based capital ratio | 12.7991% | 4,930 |
| Memoranda: | ||
| Average total assets | $44,898,400 | 5,443 |
| Average earning assets | $39,144,200 | 5,484 |
| Average equity | $4,231,600 | 5,604 |
| Average total loans | $28,356,200 | 5,256 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 227 |
| Cost of funding earning assets | 0.3931% | 3,091 |
| Net interest margin | 5.1862% | 176 |
| Noninterest income to average assets | 0.7891% | 1,807 |
| Noninterest expense to average assets | 4.2126% | 481 |
| Loan and lease loss provision to assets | 0.0030% | 4,157 |
| Net operating income to assets | 1.0862% | 2,060 |
| Return on assets (ROA) | 1.0862% | 2,158 |
| Pretax return on assets | 1.0862% | 3,287 |
| Return on Equity (ROE) | 11.5122% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.5122% | 356 |
| Net charge-offs to loans | -0.5442% | 5,895 |
| Credit loss provision to net charge-offs | -0.8696% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4567% | 1,502 |
| Assets per employee ($millions) | 3.0805% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 1,120 |
| Loan loss allowance to noncurrent loans | 108.4052% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 1,246 |
| Noncurrent loans to loans | 1.6072% | 1,340 |
| Net loans and leases to total assets | 61.3911% | 3,699 |
| Net loans and leases to deposits | 72.2413% | 3,782 |
| Net loans and leases to core deposits | 72.8910% | 4,095 |
| Total domestic deposits to total assets | 84.9806% | 2,815 |
| Equity capital to assets | 9.5007% | 4,659 |
| Core capital (leverage) ratio | 9.4621% | 4,230 |
| Tier 1 risk-based capital ratio | 11.8918% | 4,855 |
| Total risk-based capital ratio | 13.1476% | 4,752 |
| Memoranda: | ||
| Average total assets | $44,436,500 | 5,506 |
| Average earning assets | $38,665,500 | 5,547 |
| Average equity | $4,192,500 | 5,676 |
| Average total loans | $28,174,750 | 5,309 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7382% | 179 |
| Cost of funding earning assets | 0.4042% | 2,988 |
| Net interest margin | 5.3340% | 142 |
| Noninterest income to average assets | 1.1084% | 911 |
| Noninterest expense to average assets | 4.3196% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4232% | 1,021 |
| Return on assets (ROA) | 1.4232% | 1,064 |
| Pretax return on assets | 1.4232% | 1,936 |
| Return on Equity (ROE) | 15.1212% | 656 |
| Retained earnings to average equity (ytd only) | 15.1212% | 145 |
| Net charge-offs to loans | -1.0378% | 5,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2184% | 2,194 |
| Assets per employee ($millions) | 2.9406% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 1,005 |
| Loan loss allowance to noncurrent loans | 123.1481% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.4555% | 1,331 |
| Noncurrent loans to loans | 1.4939% | 1,464 |
| Net loans and leases to total assets | 64.3519% | 3,311 |
| Net loans and leases to deposits | 76.4373% | 3,332 |
| Net loans and leases to core deposits | 77.1646% | 3,723 |
| Total domestic deposits to total assets | 84.1892% | 3,201 |
| Equity capital to assets | 9.7622% | 4,498 |
| Core capital (leverage) ratio | 9.6311% | 4,024 |
| Tier 1 risk-based capital ratio | 12.1323% | 4,752 |
| Total risk-based capital ratio | 13.3861% | 4,662 |
| Memoranda: | ||
| Average total assets | $43,846,330 | 5,587 |
| Average earning assets | $38,095,330 | 5,628 |
| Average equity | $4,126,670 | 5,748 |
| Average total loans | $27,943,000 | 5,376 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 322 |
| Cost of funding earning assets | 0.4016% | 3,046 |
| Net interest margin | 4.9464% | 284 |
| Noninterest income to average assets | 1.5281% | 489 |
| Noninterest expense to average assets | 3.9712% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8392% | 444 |
| Return on assets (ROA) | 1.8392% | 475 |
| Pretax return on assets | 1.8392% | 785 |
| Return on Equity (ROE) | 19.9158% | 252 |
| Retained earnings to average equity (ytd only) | 19.9158% | 98 |
| Net charge-offs to loans | -2.0979% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3465% | 3,406 |
| Assets per employee ($millions) | 2.8799% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 3,656 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.9543% | 3,395 |
| Net loans and leases to deposits | 72.5200% | 3,603 |
| Net loans and leases to core deposits | 73.2032% | 3,965 |
| Total domestic deposits to total assets | 86.8096% | 2,292 |
| Equity capital to assets | 9.5768% | 4,589 |
| Core capital (leverage) ratio | 9.4881% | 4,215 |
| Tier 1 risk-based capital ratio | 11.9868% | 4,925 |
| Total risk-based capital ratio | 13.2377% | 4,842 |
| Memoranda: | ||
| Average total assets | $43,715,000 | 5,641 |
| Average earning assets | $37,845,500 | 5,686 |
| Average equity | $4,037,000 | 5,806 |
| Average total loans | $27,456,000 | 5,432 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 709 |
| Cost of funding earning assets | 0.4439% | 2,692 |
| Net interest margin | 4.4948% | 661 |
| Noninterest income to average assets | 0.3949% | 4,065 |
| Noninterest expense to average assets | 3.9254% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4678% | 4,819 |
| Return on assets (ROA) | 0.4678% | 4,900 |
| Pretax return on assets | 0.4678% | 5,185 |
| Return on Equity (ROE) | 5.1796% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.1796% | 2,292 |
| Net charge-offs to loans | -0.2496% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3526% | 731 |
| Assets per employee ($millions) | 3.1594% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 878 |
| Loan loss allowance to noncurrent loans | 286.4865% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 2,370 |
| Noncurrent loans to loans | 0.6805% | 3,162 |
| Net loans and leases to total assets | 60.2641% | 3,797 |
| Net loans and leases to deposits | 68.8536% | 4,044 |
| Net loans and leases to core deposits | 69.4818% | 4,335 |
| Total domestic deposits to total assets | 87.5249% | 1,873 |
| Equity capital to assets | 8.9008% | 5,223 |
| Core capital (leverage) ratio | 9.1076% | 4,743 |
| Tier 1 risk-based capital ratio | 12.9796% | 4,335 |
| Total risk-based capital ratio | 14.2374% | 4,237 |
| Memoranda: | ||
| Average total assets | $42,543,000 | 5,715 |
| Average earning assets | $37,844,000 | 5,731 |
| Average equity | $3,842,000 | 5,882 |
| Average total loans | $25,638,000 | 5,528 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 862 |
| Cost of funding earning assets | 0.4456% | 2,730 |
| Net interest margin | 4.3989% | 800 |
| Noninterest income to average assets | 0.4400% | 3,797 |
| Noninterest expense to average assets | 3.9884% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3894% | 5,198 |
| Return on assets (ROA) | 0.3894% | 5,288 |
| Pretax return on assets | 0.3894% | 5,481 |
| Return on Equity (ROE) | 4.2952% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.2952% | 3,410 |
| Net charge-offs to loans | -0.3168% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1063% | 627 |
| Assets per employee ($millions) | 3.1917% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 3,435 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 63.4098% | 3,392 |
| Net loans and leases to deposits | 71.1062% | 3,862 |
| Net loans and leases to core deposits | 71.7852% | 4,208 |
| Total domestic deposits to total assets | 89.1762% | 931 |
| Equity capital to assets | 9.4235% | 4,853 |
| Core capital (leverage) ratio | 9.2538% | 4,658 |
| Tier 1 risk-based capital ratio | 13.8510% | 3,937 |
| Total risk-based capital ratio | 15.1096% | 3,875 |
| Memoranda: | ||
| Average total assets | $42,120,750 | 5,797 |
| Average earning assets | $37,705,250 | 5,811 |
| Average equity | $3,818,250 | 5,967 |
| Average total loans | $25,251,000 | 5,608 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,161 |
| Cost of funding earning assets | 0.4417% | 2,821 |
| Net interest margin | 4.2117% | 1,086 |
| Noninterest income to average assets | 0.3496% | 4,458 |
| Noninterest expense to average assets | 3.9688% | 702 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1654% | 5,777 |
| Return on assets (ROA) | 0.1654% | 5,830 |
| Pretax return on assets | 0.1654% | 5,864 |
| Return on Equity (ROE) | 1.8481% | 5,714 |
| Retained earnings to average equity (ytd only) | 1.8481% | 4,772 |
| Net charge-offs to loans | -0.2589% | 6,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0000% | 436 |
| Assets per employee ($millions) | 3.0286% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 2,910 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.6330% | 3,736 |
| Net loans and leases to deposits | 66.7888% | 4,252 |
| Net loans and leases to core deposits | 67.4016% | 4,541 |
| Total domestic deposits to total assets | 90.7832% | 363 |
| Equity capital to assets | 9.0399% | 5,199 |
| Core capital (leverage) ratio | 8.9966% | 4,974 |
| Tier 1 risk-based capital ratio | 14.2583% | 3,788 |
| Total risk-based capital ratio | 15.5193% | 3,708 |
| Memoranda: | ||
| Average total assets | $42,330,330 | 5,855 |
| Average earning assets | $38,037,330 | 5,863 |
| Average equity | $3,787,670 | 6,033 |
| Average total loans | $24,722,330 | 5,672 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 1,690 |
| Cost of funding earning assets | 0.4400% | 2,879 |
| Net interest margin | 3.9807% | 1,619 |
| Noninterest income to average assets | 0.3688% | 4,261 |
| Noninterest expense to average assets | 4.0288% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0662% | 6,072 |
| Return on assets (ROA) | -0.0662% | 6,106 |
| Pretax return on assets | -0.0662% | 6,094 |
| Return on Equity (ROE) | -0.7437% | 6,110 |
| Retained earnings to average equity (ytd only) | -0.7437% | 5,507 |
| Net charge-offs to loans | -0.4006% | 6,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6706% | 326 |
| Assets per employee ($millions) | 3.2711% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 3,038 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.1312% | 4,305 |
| Net loans and leases to deposits | 60.6556% | 4,696 |
| Net loans and leases to core deposits | 61.2099% | 4,892 |
| Total domestic deposits to total assets | 90.8922% | 404 |
| Equity capital to assets | 8.9408% | 5,362 |
| Core capital (leverage) ratio | 8.8467% | 5,142 |
| Tier 1 risk-based capital ratio | 13.9721% | 4,046 |
| Total risk-based capital ratio | 15.2292% | 3,956 |
| Memoranda: | ||
| Average total assets | $42,295,000 | 5,913 |
| Average earning assets | $38,184,000 | 5,916 |
| Average equity | $3,765,000 | 6,094 |
| Average total loans | $23,966,500 | 5,754 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 917 |
| Cost of funding earning assets | 0.4862% | 2,817 |
| Net interest margin | 4.4186% | 860 |
| Noninterest income to average assets | 0.2353% | 5,450 |
| Noninterest expense to average assets | 4.2011% | 602 |
| Loan and lease loss provision to assets | 0.0864% | 2,745 |
| Net operating income to assets | -0.1032% | 6,156 |
| Return on assets (ROA) | -0.1032% | 6,165 |
| Pretax return on assets | -0.1032% | 6,141 |
| Return on Equity (ROE) | -1.1299% | 6,173 |
| Retained earnings to average equity (ytd only) | -1.1299% | 5,936 |
| Net charge-offs to loans | 0.0317% | 4,193 |
| Credit loss provision to net charge-offs | 450.0000% | 581 |
| Earnings coverage of net charge-offs (x) | -0.8750% | 4,788 |
| Efficiency ratio | 100.4016% | 354 |
| Assets per employee ($millions) | 3.2358% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 3,085 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.7291% | 4,367 |
| Net loans and leases to deposits | 61.2617% | 4,787 |
| Net loans and leases to core deposits | 61.8271% | 5,010 |
| Total domestic deposits to total assets | 90.9690% | 378 |
| Equity capital to assets | 8.8623% | 5,418 |
| Core capital (leverage) ratio | 9.2042% | 4,675 |
| Tier 1 risk-based capital ratio | 15.2979% | 3,316 |
| Total risk-based capital ratio | 16.5611% | 3,261 |
| Memoranda: | ||
| Average total assets | $41,655,400 | 5,995 |
| Average earning assets | $37,228,600 | 6,010 |
| Average equity | $3,805,800 | 6,127 |
| Average total loans | $25,238,400 | 5,772 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 947 |
| Cost of funding earning assets | 0.4937% | 2,827 |
| Net interest margin | 4.3969% | 887 |
| Noninterest income to average assets | 0.3016% | 5,035 |
| Noninterest expense to average assets | 4.1938% | 613 |
| Loan and lease loss provision to assets | 0.1155% | 2,124 |
| Net operating income to assets | -0.0931% | 6,215 |
| Return on assets (ROA) | -0.0931% | 6,218 |
| Pretax return on assets | -0.0931% | 6,199 |
| Return on Equity (ROE) | -1.0109% | 6,226 |
| Retained earnings to average equity (ytd only) | -1.0109% | 5,966 |
| Net charge-offs to loans | 0.1878% | 1,965 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 0.1944% | 4,424 |
| Efficiency ratio | 99.4673% | 386 |
| Assets per employee ($millions) | 3.2226% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 1,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 2,258 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 59.1875% | 3,909 |
| Net loans and leases to deposits | 65.3662% | 4,398 |
| Net loans and leases to core deposits | 65.9749% | 4,717 |
| Total domestic deposits to total assets | 90.5476% | 507 |
| Equity capital to assets | 9.2877% | 5,047 |
| Core capital (leverage) ratio | 9.1132% | 4,914 |
| Tier 1 risk-based capital ratio | 14.6803% | 3,768 |
| Total risk-based capital ratio | 15.9407% | 3,705 |
| Memoranda: | ||
| Average total assets | $41,552,750 | 6,065 |
| Average earning assets | $36,994,750 | 6,090 |
| Average equity | $3,825,250 | 6,191 |
| Average total loans | $25,557,000 | 5,811 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 965 |
| Cost of funding earning assets | 0.5003% | 2,830 |
| Net interest margin | 4.3665% | 908 |
| Noninterest income to average assets | 0.0193% | 6,510 |
| Noninterest expense to average assets | 4.0493% | 720 |
| Loan and lease loss provision to assets | 0.1737% | 1,405 |
| Net operating income to assets | -0.3282% | 6,386 |
| Return on assets (ROA) | -0.3282% | 6,393 |
| Pretax return on assets | -0.3282% | 6,374 |
| Return on Equity (ROE) | -3.5758% | 6,401 |
| Retained earnings to average equity (ytd only) | -3.5758% | 6,143 |
| Net charge-offs to loans | 0.6239% | 626 |
| Credit loss provision to net charge-offs | 45.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 4,169 |
| Efficiency ratio | 103.9653% | 319 |
| Assets per employee ($millions) | 2.9822% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 1,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9497% | 1,652 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.1351% | 3,694 |
| Net loans and leases to deposits | 66.3574% | 4,236 |
| Net loans and leases to core deposits | 67.4303% | 4,511 |
| Total domestic deposits to total assets | 90.6230% | 534 |
| Equity capital to assets | 9.2501% | 5,035 |
| Core capital (leverage) ratio | 9.1755% | 4,775 |
| Tier 1 risk-based capital ratio | 15.1954% | 3,530 |
| Total risk-based capital ratio | 16.4531% | 3,472 |
| Memoranda: | ||
| Average total assets | $41,439,000 | 6,126 |
| Average earning assets | $36,780,330 | 6,154 |
| Average equity | $3,803,330 | 6,242 |
| Average total loans | $25,646,330 | 5,852 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8450% | 956 |
| Cost of funding earning assets | 0.5129% | 2,777 |
| Net interest margin | 4.3321% | 937 |
| Noninterest income to average assets | -0.0581% | 6,654 |
| Noninterest expense to average assets | 3.9435% | 812 |
| Loan and lease loss provision to assets | 0.3488% | 507 |
| Net operating income to assets | -0.5038% | 6,472 |
| Return on assets (ROA) | -0.5038% | 6,471 |
| Pretax return on assets | -0.5038% | 6,456 |
| Return on Equity (ROE) | -5.5114% | 6,479 |
| Retained earnings to average equity (ytd only) | -5.5114% | 6,156 |
| Net charge-offs to loans | 1.6971% | 175 |
| Credit loss provision to net charge-offs | 33.0275% | 2,367 |
| Earnings coverage of net charge-offs (x) | -0.1468% | 3,444 |
| Efficiency ratio | 104.0921% | 370 |
| Assets per employee ($millions) | 2.9449% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 2,470 |
| Loan loss allowance to noncurrent loans | 823.5294% | 616 |
| Noncurrent assets plus other real estate owned to assets | 2.0957% | 1,600 |
| Noncurrent loans to loans | 0.2016% | 5,489 |
| Net loans and leases to total assets | 60.3473% | 3,499 |
| Net loans and leases to deposits | 66.5899% | 4,013 |
| Net loans and leases to core deposits | 67.6804% | 4,345 |
| Total domestic deposits to total assets | 90.6253% | 727 |
| Equity capital to assets | 9.2461% | 4,818 |
| Core capital (leverage) ratio | 9.2815% | 4,604 |
| Tier 1 risk-based capital ratio | 15.0112% | 3,708 |
| Total risk-based capital ratio | 16.2651% | 3,650 |
| Memoranda: | ||
| Average total assets | $41,283,000 | 6,188 |
| Average earning assets | $36,656,500 | 6,217 |
| Average equity | $3,774,000 | 6,293 |
| Average total loans | $25,691,500 | 5,903 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 836 |
| Cost of funding earning assets | 0.6080% | 2,591 |
| Net interest margin | 4.4388% | 841 |
| Noninterest income to average assets | 0.2742% | 5,391 |
| Noninterest expense to average assets | 3.8054% | 1,127 |
| Loan and lease loss provision to assets | 0.0413% | 4,292 |
| Net operating income to assets | 0.4320% | 5,028 |
| Return on assets (ROA) | 0.4344% | 5,140 |
| Pretax return on assets | 0.4344% | 5,401 |
| Return on Equity (ROE) | 4.7833% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.7833% | 2,744 |
| Net charge-offs to loans | 0.0910% | 3,933 |
| Credit loss provision to net charge-offs | 70.8333% | 3,286 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 2,726 |
| Efficiency ratio | 88.9393% | 1,113 |
| Assets per employee ($millions) | 2.9527% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8901% | 1,801 |
| Loan loss allowance to noncurrent loans | 782.5397% | 641 |
| Noncurrent assets plus other real estate owned to assets | 2.4602% | 1,405 |
| Noncurrent loans to loans | 0.2415% | 5,456 |
| Net loans and leases to total assets | 61.9043% | 3,380 |
| Net loans and leases to deposits | 68.1310% | 4,034 |
| Net loans and leases to core deposits | 69.2408% | 4,374 |
| Total domestic deposits to total assets | 90.8607% | 632 |
| Equity capital to assets | 9.0377% | 4,989 |
| Core capital (leverage) ratio | 9.1017% | 4,854 |
| Tier 1 risk-based capital ratio | 14.3047% | 4,080 |
| Total risk-based capital ratio | 15.5309% | 4,036 |
| Memoranda: | ||
| Average total assets | $41,205,000 | 6,254 |
| Average earning assets | $37,172,400 | 6,250 |
| Average equity | $3,742,200 | 6,381 |
| Average total loans | $26,382,800 | 5,917 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 953 |
| Cost of funding earning assets | 0.7338% | 1,718 |
| Net interest margin | 4.2631% | 1,178 |
| Noninterest income to average assets | 0.3076% | 5,240 |
| Noninterest expense to average assets | 3.7500% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4145% | 5,187 |
| Return on assets (ROA) | 0.4210% | 5,300 |
| Pretax return on assets | 0.4210% | 5,573 |
| Return on Equity (ROE) | 4.6298% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.6298% | 3,378 |
| Net charge-offs to loans | -0.2973% | 6,724 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0467% | 988 |
| Assets per employee ($millions) | 3.2296% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 1,728 |
| Loan loss allowance to noncurrent loans | 461.9835% | 948 |
| Noncurrent assets plus other real estate owned to assets | 1.3076% | 3,039 |
| Noncurrent loans to loans | 0.4320% | 5,119 |
| Net loans and leases to total assets | 65.3805% | 2,737 |
| Net loans and leases to deposits | 71.9227% | 3,522 |
| Net loans and leases to core deposits | 73.5846% | 3,900 |
| Total domestic deposits to total assets | 90.9039% | 575 |
| Equity capital to assets | 8.8508% | 5,363 |
| Core capital (leverage) ratio | 9.1812% | 4,863 |
| Tier 1 risk-based capital ratio | 13.4396% | 4,805 |
| Total risk-based capital ratio | 14.6985% | 4,741 |
| Memoranda: | ||
| Average total assets | $41,171,750 | 6,326 |
| Average earning assets | $37,249,250 | 6,319 |
| Average equity | $3,743,750 | 6,457 |
| Average total loans | $26,457,750 | 5,975 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 1,215 |
| Cost of funding earning assets | 0.6374% | 2,612 |
| Net interest margin | 4.2133% | 1,243 |
| Noninterest income to average assets | 0.2836% | 5,420 |
| Noninterest expense to average assets | 3.7897% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3081% | 5,585 |
| Return on assets (ROA) | 0.3178% | 5,687 |
| Pretax return on assets | 0.3178% | 5,825 |
| Return on Equity (ROE) | 3.4639% | 5,441 |
| Retained earnings to average equity (ytd only) | 3.4639% | 4,114 |
| Net charge-offs to loans | -0.4318% | 6,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4821% | 860 |
| Assets per employee ($millions) | 2.9110% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1012% | 1,634 |
| Loan loss allowance to noncurrent loans | 556.0000% | 783 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 3,180 |
| Noncurrent loans to loans | 0.3779% | 5,332 |
| Net loans and leases to total assets | 63.5643% | 2,995 |
| Net loans and leases to deposits | 70.1709% | 3,700 |
| Net loans and leases to core deposits | 71.8486% | 4,062 |
| Total domestic deposits to total assets | 90.5850% | 712 |
| Equity capital to assets | 9.0445% | 5,172 |
| Core capital (leverage) ratio | 9.0826% | 4,854 |
| Tier 1 risk-based capital ratio | 14.0035% | 4,422 |
| Total risk-based capital ratio | 15.2648% | 4,377 |
| Memoranda: | ||
| Average total assets | $40,900,670 | 6,384 |
| Average earning assets | $37,025,330 | 6,371 |
| Average equity | $3,753,000 | 6,504 |
| Average total loans | $25,940,670 | 6,026 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 1,155 |
| Cost of funding earning assets | 0.6572% | 2,591 |
| Net interest margin | 4.2127% | 1,157 |
| Noninterest income to average assets | 0.2929% | 5,367 |
| Noninterest expense to average assets | 3.7780% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3319% | 5,437 |
| Return on assets (ROA) | 0.3319% | 5,574 |
| Pretax return on assets | 0.3319% | 5,768 |
| Return on Equity (ROE) | 3.5917% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.5917% | 4,088 |
| Net charge-offs to loans | 0.1869% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 2,928 |
| Efficiency ratio | 91.9240% | 991 |
| Assets per employee ($millions) | 2.9143% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9266% | 2,228 |
| Loan loss allowance to noncurrent loans | 413.5593% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 3,277 |
| Noncurrent loans to loans | 0.4659% | 5,257 |
| Net loans and leases to total assets | 60.8848% | 3,272 |
| Net loans and leases to deposits | 67.2323% | 3,882 |
| Net loans and leases to core deposits | 68.8364% | 4,202 |
| Total domestic deposits to total assets | 90.5588% | 737 |
| Equity capital to assets | 9.3039% | 5,123 |
| Core capital (leverage) ratio | 9.0734% | 4,763 |
| Tier 1 risk-based capital ratio | 14.4728% | 4,194 |
| Total risk-based capital ratio | 15.7279% | 4,155 |
| Memoranda: | ||
| Average total assets | $40,974,000 | 6,438 |
| Average earning assets | $37,125,500 | 6,428 |
| Average equity | $3,786,500 | 6,560 |
| Average total loans | $25,680,500 | 6,083 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 1,344 |
| Cost of funding earning assets | 0.7637% | 2,976 |
| Net interest margin | 4.3203% | 1,353 |
| Noninterest income to average assets | 0.1741% | 6,158 |
| Noninterest expense to average assets | 4.0005% | 973 |
| Loan and lease loss provision to assets | 0.3924% | 1,659 |
| Net operating income to assets | -0.3753% | 6,499 |
| Return on assets (ROA) | -0.3753% | 6,543 |
| Pretax return on assets | -0.3753% | 6,515 |
| Return on Equity (ROE) | -3.9201% | 6,545 |
| Retained earnings to average equity (ytd only) | -3.9201% | 6,351 |
| Net charge-offs to loans | 1.2187% | 827 |
| Credit loss provision to net charge-offs | 49.3827% | 4,720 |
| Earnings coverage of net charge-offs (x) | 0.0216% | 5,473 |
| Efficiency ratio | 99.5726% | 578 |
| Assets per employee ($millions) | 2.9391% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 2,229 |
| Loan loss allowance to noncurrent loans | 318.4713% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 3,268 |
| Noncurrent loans to loans | 0.6031% | 5,011 |
| Net loans and leases to total assets | 62.0492% | 3,240 |
| Net loans and leases to deposits | 68.4467% | 3,908 |
| Net loans and leases to core deposits | 70.0639% | 4,299 |
| Total domestic deposits to total assets | 90.6533% | 634 |
| Equity capital to assets | 9.1791% | 5,295 |
| Core capital (leverage) ratio | 9.0309% | 4,846 |
| Tier 1 risk-based capital ratio | 14.2279% | 4,217 |
| Total risk-based capital ratio | 15.5231% | 4,141 |
| Memoranda: | ||
| Average total assets | $40,770,000 | 6,481 |
| Average earning assets | $36,270,800 | 6,493 |
| Average equity | $3,903,000 | 6,590 |
| Average total loans | $26,584,800 | 6,107 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 1,303 |
| Cost of funding earning assets | 0.7804% | 3,108 |
| Net interest margin | 4.3678% | 1,295 |
| Noninterest income to average assets | 0.3475% | 5,038 |
| Noninterest expense to average assets | 4.1629% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0557% | 6,201 |
| Return on assets (ROA) | 0.0557% | 6,338 |
| Pretax return on assets | 0.0557% | 6,327 |
| Return on Equity (ROE) | 0.5762% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.5762% | 5,922 |
| Net charge-offs to loans | -0.0549% | 6,734 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6791% | 578 |
| Assets per employee ($millions) | 2.9303% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5920% | 1,090 |
| Loan loss allowance to noncurrent loans | 149.8891% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 2.6302% | 2,007 |
| Noncurrent loans to loans | 1.7293% | 3,197 |
| Net loans and leases to total assets | 61.9247% | 3,394 |
| Net loans and leases to deposits | 68.6966% | 4,069 |
| Net loans and leases to core deposits | 70.3322% | 4,459 |
| Total domestic deposits to total assets | 90.1424% | 773 |
| Equity capital to assets | 9.6724% | 4,959 |
| Core capital (leverage) ratio | 9.5175% | 4,238 |
| Tier 1 risk-based capital ratio | 14.8871% | 3,929 |
| Total risk-based capital ratio | 16.1546% | 3,873 |
| Memoranda: | ||
| Average total assets | $40,675,500 | 6,563 |
| Average earning assets | $36,051,000 | 6,579 |
| Average equity | $3,934,500 | 6,659 |
| Average total loans | $26,723,000 | 6,179 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 1,312 |
| Cost of funding earning assets | 0.8028% | 3,166 |
| Net interest margin | 4.3765% | 1,265 |
| Noninterest income to average assets | 0.3896% | 4,730 |
| Noninterest expense to average assets | 4.3048% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0444% | 6,373 |
| Return on assets (ROA) | -0.0444% | 6,493 |
| Pretax return on assets | -0.0444% | 6,479 |
| Return on Equity (ROE) | -0.4588% | 6,496 |
| Retained earnings to average equity (ytd only) | -0.4588% | 6,114 |
| Net charge-offs to loans | -0.0668% | 6,744 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0417% | 523 |
| Assets per employee ($millions) | 2.6845% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4696% | 1,322 |
| Loan loss allowance to noncurrent loans | 144.6352% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 2.7169% | 2,026 |
| Noncurrent loans to loans | 1.7075% | 3,335 |
| Net loans and leases to total assets | 66.1038% | 2,649 |
| Net loans and leases to deposits | 73.4026% | 3,397 |
| Net loans and leases to core deposits | 75.1942% | 3,855 |
| Total domestic deposits to total assets | 90.0564% | 893 |
| Equity capital to assets | 9.7897% | 4,645 |
| Core capital (leverage) ratio | 9.6395% | 3,939 |
| Tier 1 risk-based capital ratio | 14.3587% | 4,205 |
| Total risk-based capital ratio | 15.6227% | 4,156 |
| Memoranda: | ||
| Average total assets | $40,559,330 | 6,615 |
| Average earning assets | $35,873,330 | 6,627 |
| Average equity | $3,923,330 | 6,706 |
| Average total loans | $26,937,330 | 6,211 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 1,756 |
| Cost of funding earning assets | 0.8268% | 3,263 |
| Net interest margin | 4.2124% | 1,730 |
| Noninterest income to average assets | 0.2653% | 5,752 |
| Noninterest expense to average assets | 4.2550% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2850% | 6,697 |
| Return on assets (ROA) | -0.2850% | 6,737 |
| Pretax return on assets | -0.2850% | 6,721 |
| Return on Equity (ROE) | -2.9637% | 6,751 |
| Retained earnings to average equity (ytd only) | -2.9637% | 6,390 |
| Net charge-offs to loans | -0.2242% | 7,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1782% | 386 |
| Assets per employee ($millions) | 2.5309% | 6,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5134% | 1,335 |
| Loan loss allowance to noncurrent loans | 139.9177% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 3.9462% | 1,407 |
| Noncurrent loans to loans | 1.7963% | 3,417 |
| Net loans and leases to total assets | 65.1315% | 2,627 |
| Net loans and leases to deposits | 72.1930% | 3,406 |
| Net loans and leases to core deposits | 73.4250% | 3,971 |
| Total domestic deposits to total assets | 90.2185% | 963 |
| Equity capital to assets | 9.6259% | 4,616 |
| Core capital (leverage) ratio | 9.4440% | 4,129 |
| Tier 1 risk-based capital ratio | 13.6284% | 4,731 |
| Total risk-based capital ratio | 14.8916% | 4,706 |
| Memoranda: | ||
| Average total assets | $40,705,500 | 6,662 |
| Average earning assets | $35,799,000 | 6,677 |
| Average equity | $3,914,000 | 6,745 |
| Average total loans | $26,760,000 | 6,266 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1996% | 304 |
| Cost of funding earning assets | 0.9628% | 3,619 |
| Net interest margin | 5.2368% | 267 |
| Noninterest income to average assets | 0.4127% | 4,510 |
| Noninterest expense to average assets | 4.3276% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6545% | 3,724 |
| Return on assets (ROA) | 0.6545% | 3,919 |
| Pretax return on assets | 0.6545% | 4,500 |
| Return on Equity (ROE) | 7.2448% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.2448% | 1,388 |
| Net charge-offs to loans | 0.2387% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.7746% | 3,393 |
| Efficiency ratio | 86.8627% | 1,457 |
| Assets per employee ($millions) | 2.5573% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5128% | 1,298 |
| Loan loss allowance to noncurrent loans | 150.7937% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 3.7956% | 1,524 |
| Noncurrent loans to loans | 1.6664% | 3,663 |
| Net loans and leases to total assets | 63.0560% | 3,391 |
| Net loans and leases to deposits | 69.8430% | 4,131 |
| Net loans and leases to core deposits | 71.0196% | 4,646 |
| Total domestic deposits to total assets | 90.2825% | 830 |
| Equity capital to assets | 9.6050% | 4,740 |
| Core capital (leverage) ratio | 9.6529% | 3,801 |
| Tier 1 risk-based capital ratio | 14.1959% | 4,180 |
| Total risk-based capital ratio | 15.4610% | 4,127 |
| Memoranda: | ||
| Average total assets | $40,946,400 | 6,640 |
| Average earning assets | $35,728,200 | 6,687 |
| Average equity | $3,699,200 | 6,828 |
| Average total loans | $29,748,600 | 6,169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9427% | 518 |
| Cost of funding earning assets | 0.9936% | 3,729 |
| Net interest margin | 4.9491% | 459 |
| Noninterest income to average assets | 0.4688% | 4,139 |
| Noninterest expense to average assets | 4.3300% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4525% | 4,763 |
| Return on assets (ROA) | 0.4525% | 4,953 |
| Pretax return on assets | 0.4525% | 5,310 |
| Return on Equity (ROE) | 5.0894% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.0894% | 3,119 |
| Net charge-offs to loans | 0.2748% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.2063% | 4,026 |
| Efficiency ratio | 90.5378% | 1,136 |
| Assets per employee ($millions) | 2.8536% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 1,707 |
| Loan loss allowance to noncurrent loans | 371.8232% | 864 |
| Noncurrent assets plus other real estate owned to assets | 3.3367% | 1,903 |
| Noncurrent loans to loans | 0.6162% | 5,657 |
| Net loans and leases to total assets | 71.8448% | 1,744 |
| Net loans and leases to deposits | 79.6305% | 2,698 |
| Net loans and leases to core deposits | 81.0059% | 3,488 |
| Total domestic deposits to total assets | 90.2228% | 757 |
| Equity capital to assets | 9.5194% | 5,054 |
| Core capital (leverage) ratio | 9.4422% | 4,239 |
| Tier 1 risk-based capital ratio | 12.4363% | 5,546 |
| Total risk-based capital ratio | 13.6995% | 5,530 |
| Memoranda: | ||
| Average total assets | $40,954,000 | 6,696 |
| Average earning assets | $35,695,750 | 6,749 |
| Average equity | $3,641,500 | 6,899 |
| Average total loans | $30,569,500 | 6,198 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 705 |
| Cost of funding earning assets | 1.0306% | 3,742 |
| Net interest margin | 4.7816% | 620 |
| Noninterest income to average assets | 0.4553% | 4,244 |
| Noninterest expense to average assets | 4.3305% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3052% | 5,356 |
| Return on assets (ROA) | 0.3052% | 5,489 |
| Pretax return on assets | 0.3052% | 5,660 |
| Return on Equity (ROE) | 3.5120% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.5120% | 4,012 |
| Net charge-offs to loans | 0.5296% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.7683% | 4,728 |
| Efficiency ratio | 93.4169% | 1,015 |
| Assets per employee ($millions) | 2.6701% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0938% | 2,132 |
| Loan loss allowance to noncurrent loans | 91.4685% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 5.8176% | 977 |
| Noncurrent loans to loans | 2.2891% | 3,117 |
| Net loans and leases to total assets | 76.3551% | 1,030 |
| Net loans and leases to deposits | 86.6219% | 1,699 |
| Net loans and leases to core deposits | 88.1475% | 2,626 |
| Total domestic deposits to total assets | 88.1476% | 2,041 |
| Equity capital to assets | 9.2232% | 5,247 |
| Core capital (leverage) ratio | 9.0167% | 4,692 |
| Tier 1 risk-based capital ratio | 11.5464% | 6,134 |
| Total risk-based capital ratio | 12.8037% | 6,118 |
| Memoranda: | ||
| Average total assets | $41,288,670 | 6,741 |
| Average earning assets | $36,096,330 | 6,795 |
| Average equity | $3,587,670 | 6,957 |
| Average total loans | $30,967,670 | 6,241 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6706% | 937 |
| Cost of funding earning assets | 1.0693% | 3,722 |
| Net interest margin | 4.6013% | 859 |
| Noninterest income to average assets | 0.4295% | 4,455 |
| Noninterest expense to average assets | 4.1234% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3722% | 5,065 |
| Return on assets (ROA) | 0.3722% | 5,148 |
| Pretax return on assets | 0.3722% | 5,420 |
| Return on Equity (ROE) | 4.4136% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.4136% | 3,528 |
| Net charge-offs to loans | -0.6876% | 7,449 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7197% | 1,183 |
| Assets per employee ($millions) | 2.5118% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5283% | 1,424 |
| Loan loss allowance to noncurrent loans | 113.1994% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 4.9790% | 1,265 |
| Noncurrent loans to loans | 2.2335% | 3,279 |
| Net loans and leases to total assets | 75.6874% | 1,071 |
| Net loans and leases to deposits | 84.3118% | 1,978 |
| Net loans and leases to core deposits | 86.1261% | 2,857 |
| Total domestic deposits to total assets | 89.7708% | 1,309 |
| Equity capital to assets | 8.8333% | 5,443 |
| Core capital (leverage) ratio | 8.1494% | 6,053 |
| Tier 1 risk-based capital ratio | 11.4288% | 6,154 |
| Total risk-based capital ratio | 12.6947% | 6,130 |
| Memoranda: | ||
| Average total assets | $41,907,500 | 6,764 |
| Average earning assets | $37,033,000 | 6,805 |
| Average equity | $3,534,500 | 7,003 |
| Average total loans | $30,834,000 | 6,299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6925% | 1,596 |
| Cost of funding earning assets | 1.4512% | 2,945 |
| Net interest margin | 4.2413% | 2,026 |
| Noninterest income to average assets | 0.1018% | 6,887 |
| Noninterest expense to average assets | 4.7229% | 536 |
| Loan and lease loss provision to assets | 0.3101% | 4,320 |
| Net operating income to assets | -1.1778% | 6,782 |
| Return on assets (ROA) | -1.1732% | 6,799 |
| Pretax return on assets | -1.1732% | 6,729 |
| Return on Equity (ROE) | -13.3351% | 6,862 |
| Retained earnings to average equity (ytd only) | -13.3351% | 6,814 |
| Net charge-offs to loans | 0.0561% | 6,229 |
| Credit loss provision to net charge-offs | 788.2353% | 277 |
| Earnings coverage of net charge-offs (x) | -22.0588% | 6,824 |
| Efficiency ratio | 109.2437% | 549 |
| Assets per employee ($millions) | 2.7266% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4162% | 1,530 |
| Loan loss allowance to noncurrent loans | 325.6637% | 945 |
| Noncurrent assets plus other real estate owned to assets | 3.6446% | 1,890 |
| Noncurrent loans to loans | 0.7419% | 5,560 |
| Net loans and leases to total assets | 68.1360% | 2,953 |
| Net loans and leases to deposits | 74.3292% | 4,139 |
| Net loans and leases to core deposits | 76.2962% | 4,661 |
| Total domestic deposits to total assets | 91.6678% | 352 |
| Equity capital to assets | 8.0663% | 6,424 |
| Core capital (leverage) ratio | 7.9838% | 6,225 |
| Tier 1 risk-based capital ratio | 11.2346% | 6,148 |
| Total risk-based capital ratio | 12.4992% | 6,118 |
| Memoranda: | ||
| Average total assets | $43,214,600 | 6,759 |
| Average earning assets | $38,243,200 | 6,783 |
| Average equity | $3,802,000 | 7,056 |
| Average total loans | $30,327,400 | 6,378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6446% | 1,899 |
| Cost of funding earning assets | 1.5124% | 2,897 |
| Net interest margin | 4.1321% | 2,476 |
| Noninterest income to average assets | 0.0340% | 7,352 |
| Noninterest expense to average assets | 4.2771% | 760 |
| Loan and lease loss provision to assets | 0.4144% | 3,419 |
| Net operating income to assets | -0.9989% | 6,900 |
| Return on assets (ROA) | -0.9927% | 6,945 |
| Pretax return on assets | -0.9927% | 6,859 |
| Return on Equity (ROE) | -11.0513% | 6,972 |
| Retained earnings to average equity (ytd only) | -11.0513% | 6,929 |
| Net charge-offs to loans | 0.0836% | 5,692 |
| Credit loss provision to net charge-offs | 705.2632% | 420 |
| Earnings coverage of net charge-offs (x) | -9.9483% | 6,623 |
| Efficiency ratio | 115.8291% | 437 |
| Assets per employee ($millions) | 2.7450% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3509% | 1,545 |
| Loan loss allowance to noncurrent loans | 76.8586% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 3.8907% | 1,817 |
| Noncurrent loans to loans | 3.0587% | 2,610 |
| Net loans and leases to total assets | 74.0449% | 1,795 |
| Net loans and leases to deposits | 81.7438% | 3,152 |
| Net loans and leases to core deposits | 84.0515% | 3,925 |
| Total domestic deposits to total assets | 90.5817% | 602 |
| Equity capital to assets | 9.1172% | 5,424 |
| Core capital (leverage) ratio | 8.1559% | 6,105 |
| Tier 1 risk-based capital ratio | 11.1640% | 6,229 |
| Total risk-based capital ratio | 12.4265% | 6,209 |
| Memoranda: | ||
| Average total assets | $43,111,750 | 6,848 |
| Average earning assets | $38,171,250 | 6,874 |
| Average equity | $3,872,750 | 7,125 |
| Average total loans | $30,294,000 | 6,463 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5092% | 2,472 |
| Cost of funding earning assets | 1.5564% | 2,926 |
| Net interest margin | 3.9528% | 3,231 |
| Noninterest income to average assets | -0.1006% | 7,629 |
| Noninterest expense to average assets | 4.1319% | 878 |
| Loan and lease loss provision to assets | 0.6125% | 2,345 |
| Net operating income to assets | -1.3392% | 7,093 |
| Return on assets (ROA) | -1.3301% | 7,103 |
| Pretax return on assets | -1.3301% | 7,024 |
| Return on Equity (ROE) | -14.8760% | 7,142 |
| Retained earnings to average equity (ytd only) | -14.8760% | 7,101 |
| Net charge-offs to loans | 0.1267% | 4,930 |
| Credit loss provision to net charge-offs | 705.2632% | 533 |
| Earnings coverage of net charge-offs (x) | -8.3684% | 6,313 |
| Efficiency ratio | 121.3423% | 397 |
| Assets per employee ($millions) | 2.5272% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2967% | 1,587 |
| Loan loss allowance to noncurrent loans | 56.2021% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 4.5459% | 1,454 |
| Noncurrent loans to loans | 4.0865% | 1,846 |
| Net loans and leases to total assets | 72.6805% | 2,231 |
| Net loans and leases to deposits | 79.9677% | 3,602 |
| Net loans and leases to core deposits | 83.7558% | 4,163 |
| Total domestic deposits to total assets | 90.8873% | 532 |
| Equity capital to assets | 8.8287% | 5,709 |
| Core capital (leverage) ratio | 8.4087% | 5,564 |
| Tier 1 risk-based capital ratio | 10.9935% | 6,235 |
| Total risk-based capital ratio | 12.2577% | 6,216 |
| Memoranda: | ||
| Average total assets | $43,757,330 | 6,874 |
| Average earning assets | $38,807,670 | 6,896 |
| Average equity | $3,912,330 | 7,149 |
| Average total loans | $29,984,670 | 6,525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2739% | 3,673 |
| Cost of funding earning assets | 1.6494% | 2,655 |
| Net interest margin | 3.6245% | 4,604 |
| Noninterest income to average assets | 0.4620% | 4,367 |
| Noninterest expense to average assets | 4.0584% | 947 |
| Loan and lease loss provision to assets | 0.1359% | 5,204 |
| Net operating income to assets | -0.5073% | 6,836 |
| Return on assets (ROA) | -0.5073% | 6,861 |
| Pretax return on assets | -0.5073% | 6,790 |
| Return on Equity (ROE) | -5.6395% | 6,916 |
| Retained earnings to average equity (ytd only) | -5.6395% | 6,631 |
| Net charge-offs to loans | 0.2897% | 3,254 |
| Credit loss provision to net charge-offs | 71.4286% | 4,068 |
| Earnings coverage of net charge-offs (x) | -1.9524% | 5,468 |
| Efficiency ratio | 110.0737% | 597 |
| Assets per employee ($millions) | 2.7053% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 2,009 |
| Loan loss allowance to noncurrent loans | 99.0307% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 3.4886% | 2,019 |
| Noncurrent loans to loans | 2.0926% | 3,666 |
| Net loans and leases to total assets | 66.9231% | 3,651 |
| Net loans and leases to deposits | 74.9004% | 4,607 |
| Net loans and leases to core deposits | 82.9715% | 4,347 |
| Total domestic deposits to total assets | 89.3494% | 1,330 |
| Equity capital to assets | 9.1697% | 5,030 |
| Core capital (leverage) ratio | 8.2637% | 5,813 |
| Tier 1 risk-based capital ratio | 12.3144% | 4,888 |
| Total risk-based capital ratio | 13.5695% | 4,844 |
| Memoranda: | ||
| Average total assets | $44,155,000 | 6,945 |
| Average earning assets | $39,288,000 | 6,960 |
| Average equity | $3,972,000 | 7,200 |
| Average total loans | $28,997,500 | 6,657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1014% | 1,513 |
| Cost of funding earning assets | 1.6645% | 4,704 |
| Net interest margin | 4.4369% | 1,328 |
| Noninterest income to average assets | 0.4345% | 4,916 |
| Noninterest expense to average assets | 4.5830% | 730 |
| Loan and lease loss provision to assets | 0.9500% | 2,370 |
| Net operating income to assets | -1.1660% | 6,695 |
| Return on assets (ROA) | -1.1316% | 6,674 |
| Pretax return on assets | -1.1316% | 6,494 |
| Return on Equity (ROE) | -11.5597% | 6,741 |
| Retained earnings to average equity (ytd only) | -11.5597% | 6,649 |
| Net charge-offs to loans | 0.8697% | 2,661 |
| Credit loss provision to net charge-offs | 146.5909% | 3,227 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 6,571 |
| Efficiency ratio | 104.9466% | 928 |
| Assets per employee ($millions) | 2.5014% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 1,689 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 3.3536% | 2,032 |
| Noncurrent loans to loans | 2.1784% | 3,410 |
| Net loans and leases to total assets | 61.7332% | 5,049 |
| Net loans and leases to deposits | 67.9426% | 5,837 |
| Net loans and leases to core deposits | 78.7891% | 6,196 |
| Total domestic deposits to total assets | 90.8608% | 589 |
| Equity capital to assets | 8.8282% | 5,385 |
| Core capital (leverage) ratio | 8.9645% | 4,482 |
| Tier 1 risk-based capital ratio | 11.8307% | 5,087 |
| Total risk-based capital ratio | 13.0807% | 5,053 |
| Memoranda: | ||
| Average total assets | $40,737,800 | 7,061 |
| Average earning assets | $36,106,600 | 7,100 |
| Average equity | $3,988,000 | 7,300 |
| Average total loans | $30,355,200 | 6,605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3378% | 1,051 |
| Cost of funding earning assets | 1.5835% | 5,475 |
| Net interest margin | 4.7543% | 750 |
| Noninterest income to average assets | 0.4538% | 4,876 |
| Noninterest expense to average assets | 4.6286% | 645 |
| Loan and lease loss provision to assets | 0.8538% | 2,246 |
| Net operating income to assets | -0.8202% | 6,703 |
| Return on assets (ROA) | -0.7025% | 6,618 |
| Pretax return on assets | -0.7025% | 6,485 |
| Return on Equity (ROE) | -6.9818% | 6,658 |
| Retained earnings to average equity (ytd only) | -6.9818% | 6,506 |
| Net charge-offs to loans | 1.0246% | 1,927 |
| Credit loss provision to net charge-offs | 107.1730% | 4,744 |
| Earnings coverage of net charge-offs (x) | 0.0422% | 6,008 |
| Efficiency ratio | 99.2790% | 1,095 |
| Assets per employee ($millions) | 2.3539% | 7,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 2,303 |
| Loan loss allowance to noncurrent loans | 82.4759% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 3.6346% | 1,811 |
| Noncurrent loans to loans | 2.1734% | 3,414 |
| Net loans and leases to total assets | 66.3331% | 4,346 |
| Net loans and leases to deposits | 73.1299% | 5,493 |
| Net loans and leases to core deposits | 98.5933% | 4,540 |
| Total domestic deposits to total assets | 90.7059% | 510 |
| Equity capital to assets | 8.9920% | 5,487 |
| Core capital (leverage) ratio | 8.8866% | 4,832 |
| Tier 1 risk-based capital ratio | 11.0942% | 5,857 |
| Total risk-based capital ratio | 12.3493% | 5,807 |
| Memoranda: | ||
| Average total assets | $39,665,750 | 7,167 |
| Average earning assets | $35,111,000 | 7,201 |
| Average equity | $3,991,250 | 7,362 |
| Average total loans | $30,840,250 | 6,635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6214% | 635 |
| Cost of funding earning assets | 1.5508% | 5,925 |
| Net interest margin | 5.0706% | 373 |
| Noninterest income to average assets | 0.4231% | 5,095 |
| Noninterest expense to average assets | 4.6796% | 654 |
| Loan and lease loss provision to assets | 0.1703% | 5,364 |
| Net operating income to assets | 0.0774% | 5,629 |
| Return on assets (ROA) | 0.0774% | 5,722 |
| Pretax return on assets | 0.0774% | 5,724 |
| Return on Equity (ROE) | 0.7404% | 5,713 |
| Retained earnings to average equity (ytd only) | 0.7404% | 4,897 |
| Net charge-offs to loans | 0.8423% | 2,006 |
| Credit loss provision to net charge-offs | 24.8120% | 6,077 |
| Earnings coverage of net charge-offs (x) | 0.3609% | 5,320 |
| Efficiency ratio | 94.9738% | 1,441 |
| Assets per employee ($millions) | 2.0968% | 7,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 4,321 |
| Loan loss allowance to noncurrent loans | 29.6852% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 4.4248% | 1,278 |
| Noncurrent loans to loans | 4.3466% | 1,495 |
| Net loans and leases to total assets | 80.2687% | 1,263 |
| Net loans and leases to deposits | 96.3244% | 1,741 |
| Net loans and leases to core deposits | 113.4687% | 2,972 |
| Total domestic deposits to total assets | 83.3316% | 4,097 |
| Equity capital to assets | 10.8049% | 3,110 |
| Core capital (leverage) ratio | 10.1096% | 3,178 |
| Tier 1 risk-based capital ratio | 11.9119% | 4,990 |
| Total risk-based capital ratio | 13.1565% | 4,914 |
| Memoranda: | ||
| Average total assets | $38,764,000 | 7,268 |
| Average earning assets | $34,433,670 | 7,295 |
| Average equity | $4,051,670 | 7,390 |
| Average total loans | $31,580,670 | 6,635 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6396% | 651 |
| Cost of funding earning assets | 1.5710% | 6,155 |
| Net interest margin | 5.0686% | 344 |
| Noninterest income to average assets | 0.3768% | 5,415 |
| Noninterest expense to average assets | 4.4914% | 714 |
| Loan and lease loss provision to assets | 0.1324% | 5,265 |
| Net operating income to assets | 0.2546% | 5,471 |
| Return on assets (ROA) | 0.2546% | 5,632 |
| Pretax return on assets | 0.2546% | 5,810 |
| Return on Equity (ROE) | 2.4762% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.4762% | 4,493 |
| Net charge-offs to loans | 0.0749% | 4,433 |
| Credit loss provision to net charge-offs | 216.6667% | 2,083 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,512 |
| Efficiency ratio | 92.0668% | 1,559 |
| Assets per employee ($millions) | 2.2302% | 7,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 2,348 |
| Loan loss allowance to noncurrent loans | 62.4069% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.1259% | 2,712 |
| Noncurrent loans to loans | 2.6299% | 2,502 |
| Net loans and leases to total assets | 79.5089% | 1,474 |
| Net loans and leases to deposits | 91.2876% | 2,731 |
| Net loans and leases to core deposits | 104.9033% | 4,040 |
| Total domestic deposits to total assets | 87.0971% | 2,170 |
| Equity capital to assets | 10.7427% | 3,241 |
| Core capital (leverage) ratio | 9.7100% | 3,743 |
| Tier 1 risk-based capital ratio | 12.0375% | 4,933 |
| Total risk-based capital ratio | 13.2919% | 4,817 |
| Memoranda: | ||
| Average total assets | $39,275,000 | 7,283 |
| Average earning assets | $34,881,500 | 7,307 |
| Average equity | $4,038,500 | 7,441 |
| Average total loans | $32,025,500 | 6,644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7513% | 261 |
| Cost of funding earning assets | 2.1456% | 5,851 |
| Net interest margin | 5.6057% | 174 |
| Noninterest income to average assets | 0.4452% | 5,073 |
| Noninterest expense to average assets | 3.7628% | 1,828 |
| Loan and lease loss provision to assets | 1.9773% | 612 |
| Net operating income to assets | -0.2960% | 6,728 |
| Return on assets (ROA) | -0.2960% | 6,587 |
| Pretax return on assets | -0.2960% | 6,455 |
| Return on Equity (ROE) | -2.9943% | 6,622 |
| Retained earnings to average equity (ytd only) | -2.9943% | 6,106 |
| Net charge-offs to loans | 2.6723% | 352 |
| Credit loss provision to net charge-offs | 92.7778% | 5,605 |
| Earnings coverage of net charge-offs (x) | 0.7889% | 5,756 |
| Efficiency ratio | 69.1170% | 4,505 |
| Assets per employee ($millions) | 2.3904% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 2,773 |
| Loan loss allowance to noncurrent loans | 79.3600% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5380% | 3,145 |
| Noncurrent loans to loans | 1.8711% | 2,951 |
| Net loans and leases to total assets | 80.9799% | 1,439 |
| Net loans and leases to deposits | 95.3688% | 2,550 |
| Net loans and leases to core deposits | 108.5610% | 3,902 |
| Total domestic deposits to total assets | 84.9124% | 2,882 |
| Equity capital to assets | 9.8533% | 4,219 |
| Core capital (leverage) ratio | 9.4060% | 4,148 |
| Tier 1 risk-based capital ratio | 11.0258% | 5,705 |
| Total risk-based capital ratio | 12.2788% | 5,599 |
| Memoranda: | ||
| Average total assets | $42,228,800 | 7,119 |
| Average earning assets | $37,658,400 | 7,166 |
| Average equity | $4,174,600 | 7,440 |
| Average total loans | $33,679,000 | 6,503 |