Home > FinWise Bank > Performance and Condition Ratios
FinWise Bank, Performance and Condition Ratios
| 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 | 14.3199% | 55 |
| Cost of funding earning assets | 1.9378% | 799 |
| Net interest margin | 12.3821% | 18 |
| Noninterest income to average assets | 4.4400% | 142 |
| Noninterest expense to average assets | 6.9668% | 144 |
| Loan and lease loss provision to assets | 2.4000% | 23 |
| Net operating income to assets | 4.8398% | 84 |
| Return on assets (ROA) | 4.8398% | 84 |
| Pretax return on assets | 6.5256% | 71 |
| Return on Equity (ROE) | 20.9100% | 647 |
| Retained earnings to average equity (ytd only) | 20.9058% | 233 |
| Net charge-offs to loans | 3.1470% | 27 |
| Credit loss provision to net charge-offs | 109.9068% | 1,549 |
| Earnings coverage of net charge-offs (x) | 4.1727% | 2,411 |
| Efficiency ratio | 43.8345% | 4,236 |
| Assets per employee ($millions) | 3.4787% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3915% | 88 |
| Loan loss allowance to noncurrent loans | 120.5197% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.9604% | 148 |
| Noncurrent loans to loans | 2.8141% | 154 |
| Net loans and leases to total assets | 67.3000% | 2,128 |
| Net loans and leases to deposits | 88.6143% | 1,332 |
| Net loans and leases to core deposits | 170.2378% | 71 |
| Total domestic deposits to total assets | 75.9500% | 4,015 |
| Equity capital to assets | 21.2965% | 254 |
| Core capital (leverage) ratio | 22.1162% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $468,054,000 | 1,802 |
| Average earning assets | $433,064,500 | 1,792 |
| Average equity | $108,356,500 | 890 |
| Average total loans | $318,174,500 | 1,724 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4050% | 55 |
| Cost of funding earning assets | 1.7167% | 864 |
| Net interest margin | 12.6883% | 21 |
| Noninterest income to average assets | 4.7000% | 129 |
| Noninterest expense to average assets | 7.3330% | 141 |
| Loan and lease loss provision to assets | 2.4300% | 19 |
| Net operating income to assets | 4.9227% | 73 |
| Return on assets (ROA) | 4.9227% | 75 |
| Pretax return on assets | 6.6370% | 65 |
| Return on Equity (ROE) | 20.5800% | 650 |
| Retained earnings to average equity (ytd only) | 20.5789% | 230 |
| Net charge-offs to loans | 3.5502% | 25 |
| Credit loss provision to net charge-offs | 101.5005% | 1,433 |
| Earnings coverage of net charge-offs (x) | 3.7966% | 2,246 |
| Efficiency ratio | 44.7100% | 4,226 |
| Assets per employee ($millions) | 3.3001% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7073% | 76 |
| Loan loss allowance to noncurrent loans | 596.6586% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 1,265 |
| Noncurrent loans to loans | 0.6213% | 1,203 |
| Net loans and leases to total assets | 65.5200% | 2,209 |
| Net loans and leases to deposits | 87.5924% | 1,382 |
| Net loans and leases to core deposits | 144.2336% | 182 |
| Total domestic deposits to total assets | 74.8000% | 4,138 |
| Equity capital to assets | 22.7092% | 216 |
| Core capital (leverage) ratio | 22.3963% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $440,858,667 | 1,885 |
| Average earning assets | $406,706,000 | 1,890 |
| Average equity | $105,457,333 | 902 |
| Average total loans | $296,601,333 | 1,792 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9846% | 14 |
| Cost of funding earning assets | 1.3517% | 1,126 |
| Net interest margin | 12.6328% | 13 |
| Noninterest income to average assets | 4.6600% | 131 |
| Noninterest expense to average assets | 7.1056% | 147 |
| Loan and lease loss provision to assets | 2.5600% | 18 |
| Net operating income to assets | 4.9084% | 79 |
| Return on assets (ROA) | 4.9084% | 79 |
| Pretax return on assets | 6.6097% | 70 |
| Return on Equity (ROE) | 19.9300% | 774 |
| Retained earnings to average equity (ytd only) | 19.9283% | 384 |
| Net charge-offs to loans | 4.1273% | 24 |
| Credit loss provision to net charge-offs | 92.7330% | 1,167 |
| Earnings coverage of net charge-offs (x) | 3.3248% | 1,889 |
| Efficiency ratio | 43.6568% | 4,314 |
| Assets per employee ($millions) | 2.8953% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0428% | 60 |
| Loan loss allowance to noncurrent loans | 601.3993% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 1,115 |
| Noncurrent loans to loans | 0.6722% | 1,123 |
| Net loans and leases to total assets | 65.3300% | 2,127 |
| Net loans and leases to deposits | 88.7426% | 1,155 |
| Net loans and leases to core deposits | 135.8973% | 220 |
| Total domestic deposits to total assets | 73.6200% | 4,303 |
| Equity capital to assets | 24.0585% | 164 |
| Core capital (leverage) ratio | 23.9467% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $417,081,000 | 1,986 |
| Average earning assets | $383,508,500 | 1,990 |
| Average equity | $102,728,500 | 926 |
| Average total loans | $278,729,500 | 1,886 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6455% | 10 |
| Cost of funding earning assets | 0.4009% | 2,095 |
| Net interest margin | 14.2446% | 9 |
| Noninterest income to average assets | 9.3600% | 102 |
| Noninterest expense to average assets | 8.3594% | 129 |
| Loan and lease loss provision to assets | 3.5000% | 9 |
| Net operating income to assets | 7.5396% | 49 |
| Return on assets (ROA) | 7.5396% | 47 |
| Pretax return on assets | 10.7003% | 46 |
| Return on Equity (ROE) | 33.4500% | 82 |
| Retained earnings to average equity (ytd only) | 33.4491% | 27 |
| Net charge-offs to loans | 4.4147% | 11 |
| Credit loss provision to net charge-offs | 118.7127% | 1,468 |
| Earnings coverage of net charge-offs (x) | 4.8124% | 2,402 |
| Efficiency ratio | 37.0481% | 4,593 |
| Assets per employee ($millions) | 2.8355% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6137% | 47 |
| Loan loss allowance to noncurrent loans | 6,210.3627% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 3,320 |
| Noncurrent loans to loans | 0.0743% | 3,231 |
| Net loans and leases to total assets | 62.4200% | 2,394 |
| Net loans and leases to deposits | 88.2462% | 1,156 |
| Net loans and leases to core deposits | 120.9535% | 358 |
| Total domestic deposits to total assets | 70.7400% | 4,456 |
| Equity capital to assets | 25.2601% | 147 |
| Core capital (leverage) ratio | 25.0794% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $385,830,600 | 2,080 |
| Average earning assets | $357,679,400 | 2,077 |
| Average equity | $86,968,000 | 1,063 |
| Average total loans | $257,953,600 | 1,900 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6236% | 10 |
| Cost of funding earning assets | 0.3033% | 2,126 |
| Net interest margin | 14.3203% | 8 |
| Noninterest income to average assets | 9.5900% | 104 |
| Noninterest expense to average assets | 8.3988% | 130 |
| Loan and lease loss provision to assets | 3.5900% | 8 |
| Net operating income to assets | 7.6271% | 54 |
| Return on assets (ROA) | 7.6271% | 52 |
| Pretax return on assets | 10.9290% | 47 |
| Return on Equity (ROE) | 34.9300% | 65 |
| Retained earnings to average equity (ytd only) | 34.9294% | 22 |
| Net charge-offs to loans | 4.2485% | 10 |
| Credit loss provision to net charge-offs | 125.7404% | 1,194 |
| Earnings coverage of net charge-offs (x) | 5.0841% | 2,155 |
| Efficiency ratio | 36.6457% | 4,635 |
| Assets per employee ($millions) | 2.7180% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6739% | 46 |
| Loan loss allowance to noncurrent loans | 5,645.2830% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,335 |
| Noncurrent loans to loans | 0.0828% | 3,288 |
| Net loans and leases to total assets | 64.1500% | 2,068 |
| Net loans and leases to deposits | 89.3043% | 941 |
| Net loans and leases to core deposits | 104.5909% | 628 |
| Total domestic deposits to total assets | 71.8300% | 4,511 |
| Equity capital to assets | 24.4658% | 143 |
| Core capital (leverage) ratio | 24.8541% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $383,044,750 | 2,108 |
| Average earning assets | $356,529,500 | 2,096 |
| Average equity | $83,641,000 | 1,103 |
| Average total loans | $257,494,000 | 1,907 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6486% | 8 |
| Cost of funding earning assets | 0.2821% | 1,874 |
| Net interest margin | 14.3664% | 8 |
| Noninterest income to average assets | 10.4068% | 56 |
| Noninterest expense to average assets | 8.4645% | 88 |
| Loan and lease loss provision to assets | 3.0530% | 10 |
| Net operating income to assets | 9.2324% | 23 |
| Return on assets (ROA) | 9.2324% | 21 |
| Pretax return on assets | 12.3125% | 20 |
| Return on Equity (ROE) | 44.0335% | 21 |
| Retained earnings to average equity (ytd only) | 44.0335% | 7 |
| Net charge-offs to loans | 3.9640% | 11 |
| Credit loss provision to net charge-offs | 114.6098% | 1,201 |
| Earnings coverage of net charge-offs (x) | 5.7682% | 1,921 |
| Efficiency ratio | 35.5203% | 4,682 |
| Assets per employee ($millions) | 2.7005% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5724% | 47 |
| Loan loss allowance to noncurrent loans | 1,312.1287% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,190 |
| Noncurrent loans to loans | 0.3485% | 2,106 |
| Net loans and leases to total assets | 61.6058% | 2,166 |
| Net loans and leases to deposits | 86.4666% | 939 |
| Net loans and leases to core deposits | 109.8033% | 353 |
| Total domestic deposits to total assets | 71.2481% | 4,595 |
| Equity capital to assets | 24.7535% | 96 |
| Core capital (leverage) ratio | 21.4132% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,885,333 | 2,113 |
| Average earning assets | $358,683,000 | 2,108 |
| Average equity | $80,488,667 | 1,153 |
| Average total loans | $257,972,333 | 1,906 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3693% | 8 |
| Cost of funding earning assets | 0.2805% | 1,813 |
| Net interest margin | 15.0889% | 8 |
| Noninterest income to average assets | 12.2217% | 50 |
| Noninterest expense to average assets | 8.5715% | 86 |
| Loan and lease loss provision to assets | 2.9707% | 10 |
| Net operating income to assets | 11.1098% | 22 |
| Return on assets (ROA) | 11.1098% | 21 |
| Pretax return on assets | 14.8880% | 21 |
| Return on Equity (ROE) | 57.4785% | 15 |
| Retained earnings to average equity (ytd only) | 57.4785% | 12 |
| Net charge-offs to loans | 4.1446% | 13 |
| Credit loss provision to net charge-offs | 104.7264% | 985 |
| Earnings coverage of net charge-offs (x) | 6.2957% | 1,575 |
| Efficiency ratio | 32.4307% | 4,724 |
| Assets per employee ($millions) | 3.4408% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6391% | 91 |
| Loan loss allowance to noncurrent loans | 981.1395% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,185 |
| Noncurrent loans to loans | 0.3709% | 2,158 |
| Net loans and leases to total assets | 63.0032% | 1,741 |
| Net loans and leases to deposits | 81.7231% | 1,030 |
| Net loans and leases to core deposits | 97.6575% | 588 |
| Total domestic deposits to total assets | 77.0936% | 4,455 |
| Equity capital to assets | 19.5835% | 173 |
| Core capital (leverage) ratio | 19.2776% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,803,500 | 2,066 |
| Average earning assets | $373,653,000 | 2,057 |
| Average equity | $76,696,500 | 1,236 |
| Average total loans | $271,583,000 | 1,830 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.8804% | 7 |
| Cost of funding earning assets | 0.4070% | 1,502 |
| Net interest margin | 15.4734% | 7 |
| Noninterest income to average assets | 8.6021% | 74 |
| Noninterest expense to average assets | 8.3914% | 89 |
| Loan and lease loss provision to assets | 2.4719% | 8 |
| Net operating income to assets | 9.3687% | 21 |
| Return on assets (ROA) | 9.3687% | 21 |
| Pretax return on assets | 12.5161% | 21 |
| Return on Equity (ROE) | 55.9265% | 9 |
| Retained earnings to average equity (ytd only) | 55.9265% | 3 |
| Net charge-offs to loans | 1.7394% | 29 |
| Credit loss provision to net charge-offs | 183.4132% | 1,354 |
| Earnings coverage of net charge-offs (x) | 11.1209% | 2,171 |
| Efficiency ratio | 35.8923% | 4,755 |
| Assets per employee ($millions) | 3.2227% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6676% | 84 |
| Loan loss allowance to noncurrent loans | 1,384.1292% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 2,610 |
| Noncurrent loans to loans | 0.2650% | 2,656 |
| Net loans and leases to total assets | 69.2427% | 1,130 |
| Net loans and leases to deposits | 87.9076% | 657 |
| Net loans and leases to core deposits | 104.6002% | 396 |
| Total domestic deposits to total assets | 78.7676% | 4,337 |
| Equity capital to assets | 19.0423% | 213 |
| Core capital (leverage) ratio | 17.7078% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,212,200 | 2,319 |
| Average earning assets | $310,584,200 | 2,279 |
| Average equity | $54,478,600 | 1,646 |
| Average total loans | $251,987,200 | 1,917 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0311% | 10 |
| Cost of funding earning assets | 0.4388% | 1,428 |
| Net interest margin | 14.5924% | 9 |
| Noninterest income to average assets | 8.7453% | 78 |
| Noninterest expense to average assets | 8.5550% | 89 |
| Loan and lease loss provision to assets | 2.3577% | 7 |
| Net operating income to assets | 8.8399% | 24 |
| Return on assets (ROA) | 8.8399% | 24 |
| Pretax return on assets | 11.7850% | 23 |
| Return on Equity (ROE) | 55.0159% | 11 |
| Retained earnings to average equity (ytd only) | 55.0159% | 3 |
| Net charge-offs to loans | 1.1272% | 55 |
| Credit loss provision to net charge-offs | 264.2482% | 1,064 |
| Earnings coverage of net charge-offs (x) | 15.8506% | 1,855 |
| Efficiency ratio | 37.6909% | 4,779 |
| Assets per employee ($millions) | 2.9233% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8393% | 76 |
| Loan loss allowance to noncurrent loans | 1,271.7678% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,628 |
| Noncurrent loans to loans | 0.3019% | 2,712 |
| Net loans and leases to total assets | 73.0929% | 765 |
| Net loans and leases to deposits | 93.7586% | 424 |
| Net loans and leases to core deposits | 119.2057% | 190 |
| Total domestic deposits to total assets | 77.9586% | 4,431 |
| Equity capital to assets | 18.6097% | 247 |
| Core capital (leverage) ratio | 19.4967% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,057,750 | 2,398 |
| Average earning assets | $299,326,500 | 2,363 |
| Average equity | $50,301,750 | 1,771 |
| Average total loans | $247,807,750 | 1,970 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5516% | 12 |
| Cost of funding earning assets | 0.4777% | 1,340 |
| Net interest margin | 13.0739% | 11 |
| Noninterest income to average assets | 8.0352% | 80 |
| Noninterest expense to average assets | 8.4289% | 89 |
| Loan and lease loss provision to assets | 1.4117% | 18 |
| Net operating income to assets | 7.9935% | 27 |
| Return on assets (ROA) | 7.9935% | 25 |
| Pretax return on assets | 10.7348% | 22 |
| Return on Equity (ROE) | 52.7377% | 19 |
| Retained earnings to average equity (ytd only) | 52.7377% | 5 |
| Net charge-offs to loans | 0.9144% | 89 |
| Credit loss provision to net charge-offs | 192.2872% | 1,063 |
| Earnings coverage of net charge-offs (x) | 16.5452% | 1,598 |
| Efficiency ratio | 40.9660% | 4,725 |
| Assets per employee ($millions) | 2.6585% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0955% | 133 |
| Loan loss allowance to noncurrent loans | 919.8221% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 2,527 |
| Noncurrent loans to loans | 0.3365% | 2,704 |
| Net loans and leases to total assets | 80.4166% | 292 |
| Net loans and leases to deposits | 111.7007% | 94 |
| Net loans and leases to core deposits | 123.4254% | 182 |
| Total domestic deposits to total assets | 71.9929% | 4,709 |
| Equity capital to assets | 18.8077% | 237 |
| Core capital (leverage) ratio | 19.1755% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,299,333 | 2,413 |
| Average earning assets | $294,755,667 | 2,377 |
| Average equity | $46,577,667 | 1,876 |
| Average total loans | $246,713,667 | 1,987 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4358% | 14 |
| Cost of funding earning assets | 0.4822% | 1,499 |
| Net interest margin | 10.9536% | 14 |
| Noninterest income to average assets | 7.1289% | 94 |
| Noninterest expense to average assets | 7.5763% | 101 |
| Loan and lease loss provision to assets | 0.7911% | 61 |
| Net operating income to assets | 6.7277% | 40 |
| Return on assets (ROA) | 6.7277% | 40 |
| Pretax return on assets | 9.3223% | 33 |
| Return on Equity (ROE) | 49.6026% | 31 |
| Retained earnings to average equity (ytd only) | 49.6026% | 17 |
| Net charge-offs to loans | 1.0239% | 74 |
| Credit loss provision to net charge-offs | 97.6852% | 1,150 |
| Earnings coverage of net charge-offs (x) | 12.4877% | 1,423 |
| Efficiency ratio | 42.8289% | 4,639 |
| Assets per employee ($millions) | 3.3222% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 252 |
| Loan loss allowance to noncurrent loans | 782.7848% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 2,918 |
| Noncurrent loans to loans | 0.3222% | 2,949 |
| Net loans and leases to total assets | 73.4031% | 859 |
| Net loans and leases to deposits | 122.5460% | 56 |
| Net loans and leases to core deposits | 135.9789% | 107 |
| Total domestic deposits to total assets | 59.8985% | 4,885 |
| Equity capital to assets | 14.1595% | 637 |
| Core capital (leverage) ratio | 19.4179% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,049,000 | 2,339 |
| Average earning assets | $308,575,500 | 2,281 |
| Average equity | $43,409,000 | 1,968 |
| Average total loans | $253,144,000 | 1,947 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2916% | 13 |
| Cost of funding earning assets | 0.7299% | 1,565 |
| Net interest margin | 11.5617% | 13 |
| Noninterest income to average assets | 5.4077% | 109 |
| Noninterest expense to average assets | 8.2922% | 93 |
| Loan and lease loss provision to assets | 2.1027% | 28 |
| Net operating income to assets | 4.5802% | 47 |
| Return on assets (ROA) | 4.5802% | 47 |
| Pretax return on assets | 6.1875% | 41 |
| Return on Equity (ROE) | 33.5853% | 53 |
| Retained earnings to average equity (ytd only) | 33.5853% | 19 |
| Net charge-offs to loans | 1.7546% | 54 |
| Credit loss provision to net charge-offs | 146.7751% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.7869% | 2,834 |
| Efficiency ratio | 50.0061% | 4,533 |
| Assets per employee ($millions) | 3.2763% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 312 |
| Loan loss allowance to noncurrent loans | 759.6814% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 3,001 |
| Noncurrent loans to loans | 0.3125% | 3,082 |
| Net loans and leases to total assets | 81.0506% | 364 |
| Net loans and leases to deposits | 151.6346% | 19 |
| Net loans and leases to core deposits | 167.4508% | 63 |
| Total domestic deposits to total assets | 53.4513% | 4,938 |
| Equity capital to assets | 12.9460% | 1,111 |
| Core capital (leverage) ratio | 16.6068% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,921,600 | 2,588 |
| Average earning assets | $240,588,000 | 2,525 |
| Average equity | $33,946,400 | 2,292 |
| Average total loans | $203,235,000 | 2,207 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4423% | 12 |
| Cost of funding earning assets | 0.8014% | 1,493 |
| Net interest margin | 11.6409% | 10 |
| Noninterest income to average assets | 5.8385% | 100 |
| Noninterest expense to average assets | 8.7376% | 89 |
| Loan and lease loss provision to assets | 3.0010% | 25 |
| Net operating income to assets | 3.8344% | 57 |
| Return on assets (ROA) | 3.8344% | 58 |
| Pretax return on assets | 5.3608% | 48 |
| Return on Equity (ROE) | 27.6428% | 82 |
| Retained earnings to average equity (ytd only) | 27.6428% | 37 |
| Net charge-offs to loans | 1.9332% | 52 |
| Credit loss provision to net charge-offs | 191.2313% | 2,143 |
| Earnings coverage of net charge-offs (x) | 5.3281% | 2,739 |
| Efficiency ratio | 51.0982% | 4,412 |
| Assets per employee ($millions) | 3.5344% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5161% | 222 |
| Loan loss allowance to noncurrent loans | 237.7537% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 1,210 |
| Noncurrent loans to loans | 1.0583% | 1,413 |
| Net loans and leases to total assets | 86.5635% | 129 |
| Net loans and leases to deposits | 142.8435% | 34 |
| Net loans and leases to core deposits | 156.0853% | 95 |
| Total domestic deposits to total assets | 60.6002% | 4,926 |
| Equity capital to assets | 11.4458% | 2,056 |
| Core capital (leverage) ratio | 16.3381% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,521,500 | 2,687 |
| Average earning assets | $224,937,500 | 2,611 |
| Average equity | $32,253,500 | 2,360 |
| Average total loans | $188,763,500 | 2,337 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7866% | 9 |
| Cost of funding earning assets | 0.9202% | 1,277 |
| Net interest margin | 12.8664% | 9 |
| Noninterest income to average assets | 6.5515% | 84 |
| Noninterest expense to average assets | 9.5752% | 79 |
| Loan and lease loss provision to assets | 5.1020% | 15 |
| Net operating income to assets | 2.8961% | 94 |
| Return on assets (ROA) | 2.8961% | 98 |
| Pretax return on assets | 4.2910% | 55 |
| Return on Equity (ROE) | 19.1657% | 293 |
| Retained earnings to average equity (ytd only) | 19.1657% | 100 |
| Net charge-offs to loans | 2.6170% | 44 |
| Credit loss provision to net charge-offs | 252.2410% | 1,743 |
| Earnings coverage of net charge-offs (x) | 4.6439% | 2,579 |
| Efficiency ratio | 50.4805% | 4,472 |
| Assets per employee ($millions) | 3.0035% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3533% | 99 |
| Loan loss allowance to noncurrent loans | 698.4559% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 2,645 |
| Noncurrent loans to loans | 0.4801% | 2,709 |
| Net loans and leases to total assets | 82.9127% | 334 |
| Net loans and leases to deposits | 140.8415% | 37 |
| Net loans and leases to core deposits | 157.5140% | 86 |
| Total domestic deposits to total assets | 58.8695% | 4,969 |
| Equity capital to assets | 12.0786% | 1,616 |
| Core capital (leverage) ratio | 15.9099% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,175,333 | 2,860 |
| Average earning assets | $198,004,000 | 2,798 |
| Average equity | $31,003,333 | 2,407 |
| Average total loans | $158,577,333 | 2,577 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.3197% | 8 |
| Cost of funding earning assets | 1.0431% | 1,246 |
| Net interest margin | 18.2766% | 6 |
| Noninterest income to average assets | 8.9693% | 63 |
| Noninterest expense to average assets | 11.3793% | 68 |
| Loan and lease loss provision to assets | 8.7625% | 7 |
| Net operating income to assets | 4.7994% | 31 |
| Return on assets (ROA) | 4.7994% | 31 |
| Pretax return on assets | 6.3387% | 29 |
| Return on Equity (ROE) | 27.5222% | 44 |
| Retained earnings to average equity (ytd only) | 27.5222% | 20 |
| Net charge-offs to loans | 3.9090% | 34 |
| Credit loss provision to net charge-offs | 316.7774% | 1,137 |
| Earnings coverage of net charge-offs (x) | 5.4593% | 2,053 |
| Efficiency ratio | 42.9724% | 4,913 |
| Assets per employee ($millions) | 2.1364% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3257% | 24 |
| Loan loss allowance to noncurrent loans | 646.2443% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 2,141 |
| Noncurrent loans to loans | 0.9788% | 1,684 |
| Net loans and leases to total assets | 59.6363% | 3,535 |
| Net loans and leases to deposits | 73.7607% | 3,298 |
| Net loans and leases to core deposits | 84.1158% | 2,841 |
| Total domestic deposits to total assets | 80.8510% | 3,698 |
| Equity capital to assets | 17.7115% | 381 |
| Core capital (leverage) ratio | 16.1745% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,105,500 | 3,095 |
| Average earning assets | $166,814,000 | 3,047 |
| Average equity | $30,361,000 | 2,432 |
| Average total loans | $123,202,000 | 2,921 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6701% | 8 |
| Cost of funding earning assets | 1.0661% | 1,448 |
| Net interest margin | 14.6040% | 8 |
| Noninterest income to average assets | 9.5409% | 59 |
| Noninterest expense to average assets | 10.3468% | 67 |
| Loan and lease loss provision to assets | 3.6961% | 16 |
| Net operating income to assets | 7.1413% | 25 |
| Return on assets (ROA) | 7.1413% | 27 |
| Pretax return on assets | 9.4962% | 26 |
| Return on Equity (ROE) | 42.4837% | 16 |
| Retained earnings to average equity (ytd only) | 42.4837% | 4 |
| Net charge-offs to loans | 2.2646% | 51 |
| Credit loss provision to net charge-offs | 212.1990% | 1,252 |
| Earnings coverage of net charge-offs (x) | 7.5738% | 2,859 |
| Efficiency ratio | 43.9558% | 4,981 |
| Assets per employee ($millions) | 2.1361% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3936% | 92 |
| Loan loss allowance to noncurrent loans | 408.1982% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 1,958 |
| Noncurrent loans to loans | 0.8314% | 1,846 |
| Net loans and leases to total assets | 75.4779% | 1,506 |
| Net loans and leases to deposits | 93.1811% | 1,233 |
| Net loans and leases to core deposits | 107.9689% | 978 |
| Total domestic deposits to total assets | 81.0013% | 3,771 |
| Equity capital to assets | 17.1548% | 452 |
| Core capital (leverage) ratio | 16.1693% | 499 |
| Tier 1 risk-based capital ratio | 19.2670% | 1,465 |
| Total risk-based capital ratio | 20.5412% | 1,423 |
| Memoranda: | ||
| Average total assets | $143,068,400 | 3,395 |
| Average earning assets | $137,133,800 | 3,322 |
| Average equity | $24,049,200 | 2,792 |
| Average total loans | $110,043,200 | 3,089 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7952% | 10 |
| Cost of funding earning assets | 1.0450% | 1,560 |
| Net interest margin | 13.7502% | 8 |
| Noninterest income to average assets | 9.9915% | 56 |
| Noninterest expense to average assets | 9.6261% | 77 |
| Loan and lease loss provision to assets | 3.2120% | 22 |
| Net operating income to assets | 7.7591% | 23 |
| Return on assets (ROA) | 7.7591% | 24 |
| Pretax return on assets | 10.3392% | 25 |
| Return on Equity (ROE) | 46.4580% | 14 |
| Retained earnings to average equity (ytd only) | 46.4580% | 3 |
| Net charge-offs to loans | 1.8507% | 65 |
| Credit loss provision to net charge-offs | 226.7635% | 1,189 |
| Earnings coverage of net charge-offs (x) | 9.5671% | 2,566 |
| Efficiency ratio | 41.5325% | 5,092 |
| Assets per employee ($millions) | 2.3093% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9200% | 139 |
| Loan loss allowance to noncurrent loans | 302.6293% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 1,877 |
| Noncurrent loans to loans | 0.9649% | 1,665 |
| Net loans and leases to total assets | 73.3834% | 1,933 |
| Net loans and leases to deposits | 90.1543% | 1,678 |
| Net loans and leases to core deposits | 106.0146% | 1,183 |
| Total domestic deposits to total assets | 81.3976% | 3,641 |
| Equity capital to assets | 16.7150% | 518 |
| Core capital (leverage) ratio | 17.5676% | 386 |
| Tier 1 risk-based capital ratio | 19.4996% | 1,460 |
| Total risk-based capital ratio | 20.7682% | 1,426 |
| Memoranda: | ||
| Average total assets | $136,112,750 | 3,528 |
| Average earning assets | $130,525,500 | 3,450 |
| Average equity | $22,732,500 | 2,914 |
| Average total loans | $104,175,000 | 3,206 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8674% | 11 |
| Cost of funding earning assets | 1.0158% | 1,623 |
| Net interest margin | 12.8517% | 10 |
| Noninterest income to average assets | 9.9592% | 56 |
| Noninterest expense to average assets | 9.6458% | 74 |
| Loan and lease loss provision to assets | 3.1520% | 26 |
| Net operating income to assets | 7.1034% | 27 |
| Return on assets (ROA) | 7.1034% | 29 |
| Pretax return on assets | 9.4765% | 29 |
| Return on Equity (ROE) | 42.5473% | 15 |
| Retained earnings to average equity (ytd only) | 42.5473% | 4 |
| Net charge-offs to loans | 1.5056% | 78 |
| Credit loss provision to net charge-offs | 272.1245% | 957 |
| Earnings coverage of net charge-offs (x) | 10.9026% | 2,234 |
| Efficiency ratio | 43.3045% | 5,086 |
| Assets per employee ($millions) | 2.1919% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7975% | 155 |
| Loan loss allowance to noncurrent loans | 228.8432% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 1,436 |
| Noncurrent loans to loans | 1.2225% | 1,306 |
| Net loans and leases to total assets | 76.8812% | 1,406 |
| Net loans and leases to deposits | 95.5158% | 1,094 |
| Net loans and leases to core deposits | 110.8894% | 928 |
| Total domestic deposits to total assets | 80.4905% | 3,940 |
| Equity capital to assets | 17.3888% | 431 |
| Core capital (leverage) ratio | 17.2591% | 403 |
| Tier 1 risk-based capital ratio | 19.2474% | 1,496 |
| Total risk-based capital ratio | 20.5142% | 1,459 |
| Memoranda: | ||
| Average total assets | $127,600,000 | 3,657 |
| Average earning assets | $122,272,000 | 3,594 |
| Average equity | $21,303,330 | 3,034 |
| Average total loans | $98,169,000 | 3,313 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2793% | 12 |
| Cost of funding earning assets | 0.9980% | 1,569 |
| Net interest margin | 11.2813% | 14 |
| Noninterest income to average assets | 8.9655% | 60 |
| Noninterest expense to average assets | 9.0562% | 74 |
| Loan and lease loss provision to assets | 1.7918% | 44 |
| Net operating income to assets | 6.7428% | 30 |
| Return on assets (ROA) | 6.7428% | 32 |
| Pretax return on assets | 8.9590% | 30 |
| Return on Equity (ROE) | 41.3317% | 25 |
| Retained earnings to average equity (ytd only) | 41.3317% | 11 |
| Net charge-offs to loans | 0.6588% | 230 |
| Credit loss provision to net charge-offs | 359.0909% | 746 |
| Earnings coverage of net charge-offs (x) | 21.5455% | 1,529 |
| Efficiency ratio | 45.7222% | 5,038 |
| Assets per employee ($millions) | 2.3327% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.4144% | 1,727 |
| Net loans and leases to deposits | 90.4043% | 1,580 |
| Net loans and leases to core deposits | 103.7261% | 1,334 |
| Total domestic deposits to total assets | 82.3129% | 3,642 |
| Equity capital to assets | 16.2135% | 544 |
| Core capital (leverage) ratio | 15.1181% | 673 |
| Tier 1 risk-based capital ratio | 18.8731% | 1,570 |
| Total risk-based capital ratio | 20.1326% | 1,536 |
| Memoranda: | ||
| Average total assets | $123,451,000 | 3,741 |
| Average earning assets | $118,639,000 | 3,673 |
| Average equity | $20,139,500 | 3,147 |
| Average total loans | $93,510,000 | 3,418 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2958% | 27 |
| Cost of funding earning assets | 0.9641% | 867 |
| Net interest margin | 8.3316% | 26 |
| Noninterest income to average assets | 9.4272% | 55 |
| Noninterest expense to average assets | 9.9249% | 65 |
| Loan and lease loss provision to assets | 1.0766% | 76 |
| Net operating income to assets | 4.8438% | 36 |
| Return on assets (ROA) | 4.8438% | 36 |
| Pretax return on assets | 6.4478% | 34 |
| Return on Equity (ROE) | 29.0770% | 44 |
| Retained earnings to average equity (ytd only) | 29.0770% | 14 |
| Net charge-offs to loans | 0.2356% | 825 |
| Credit loss provision to net charge-offs | 601.2270% | 574 |
| Earnings coverage of net charge-offs (x) | 42.0184% | 1,268 |
| Efficiency ratio | 56.8784% | 4,297 |
| Assets per employee ($millions) | 2.2360% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 491 |
| Loan loss allowance to noncurrent loans | 1,994.2529% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,446 |
| Noncurrent loans to loans | 0.0992% | 4,285 |
| Net loans and leases to total assets | 73.9159% | 1,949 |
| Net loans and leases to deposits | 90.0256% | 1,799 |
| Net loans and leases to core deposits | 105.7357% | 1,288 |
| Total domestic deposits to total assets | 82.1054% | 3,616 |
| Equity capital to assets | 16.4264% | 474 |
| Core capital (leverage) ratio | 15.6696% | 572 |
| Tier 1 risk-based capital ratio | 19.3682% | 1,432 |
| Total risk-based capital ratio | 20.6256% | 1,391 |
| Memoranda: | ||
| Average total assets | $91,023,600 | 4,253 |
| Average earning assets | $87,642,200 | 4,193 |
| Average equity | $15,163,200 | 3,621 |
| Average total loans | $69,175,000 | 3,887 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2911% | 35 |
| Cost of funding earning assets | 0.8873% | 972 |
| Net interest margin | 7.4039% | 30 |
| Noninterest income to average assets | 9.2767% | 60 |
| Noninterest expense to average assets | 9.6450% | 68 |
| Loan and lease loss provision to assets | 0.7004% | 142 |
| Net operating income to assets | 4.5675% | 41 |
| Return on assets (ROA) | 4.5675% | 41 |
| Pretax return on assets | 6.0628% | 39 |
| Return on Equity (ROE) | 27.2880% | 51 |
| Retained earnings to average equity (ytd only) | 27.2880% | 14 |
| Net charge-offs to loans | 0.3243% | 516 |
| Credit loss provision to net charge-offs | 283.4395% | 1,071 |
| Earnings coverage of net charge-offs (x) | 27.3692% | 1,706 |
| Efficiency ratio | 58.7818% | 3,993 |
| Assets per employee ($millions) | 2.1189% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,142 |
| Loan loss allowance to noncurrent loans | 1,386.2069% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,543 |
| Noncurrent loans to loans | 0.1134% | 4,384 |
| Net loans and leases to total assets | 74.2208% | 1,944 |
| Net loans and leases to deposits | 91.3422% | 1,714 |
| Net loans and leases to core deposits | 106.7210% | 1,254 |
| Total domestic deposits to total assets | 81.2558% | 3,798 |
| Equity capital to assets | 17.2979% | 401 |
| Core capital (leverage) ratio | 17.1167% | 406 |
| Tier 1 risk-based capital ratio | 21.2533% | 1,148 |
| Total risk-based capital ratio | 22.5062% | 1,130 |
| Memoranda: | ||
| Average total assets | $84,712,000 | 4,395 |
| Average earning assets | $81,595,000 | 4,337 |
| Average equity | $14,179,250 | 3,754 |
| Average total loans | $64,549,500 | 4,029 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7054% | 45 |
| Cost of funding earning assets | 0.7884% | 1,183 |
| Net interest margin | 6.9170% | 37 |
| Noninterest income to average assets | 8.5240% | 65 |
| Noninterest expense to average assets | 9.6499% | 70 |
| Loan and lease loss provision to assets | 0.2277% | 711 |
| Net operating income to assets | 4.0001% | 45 |
| Return on assets (ROA) | 4.0001% | 44 |
| Pretax return on assets | 5.3057% | 41 |
| Return on Equity (ROE) | 24.2460% | 104 |
| Retained earnings to average equity (ytd only) | 24.2460% | 29 |
| Net charge-offs to loans | 0.0331% | 2,191 |
| Credit loss provision to net charge-offs | 900.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 218.7000% | 399 |
| Efficiency ratio | 63.5561% | 3,377 |
| Assets per employee ($millions) | 1.9959% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.5630% | 2,493 |
| Net loans and leases to deposits | 85.5520% | 2,370 |
| Net loans and leases to core deposits | 98.7336% | 1,833 |
| Total domestic deposits to total assets | 82.4796% | 3,567 |
| Equity capital to assets | 16.5783% | 440 |
| Core capital (leverage) ratio | 17.5626% | 343 |
| Tier 1 risk-based capital ratio | 21.4047% | 1,108 |
| Total risk-based capital ratio | 22.6572% | 1,088 |
| Memoranda: | ||
| Average total assets | $79,047,330 | 4,530 |
| Average earning assets | $76,102,330 | 4,468 |
| Average equity | $13,041,330 | 3,928 |
| Average total loans | $60,501,670 | 4,156 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3273% | 48 |
| Cost of funding earning assets | 0.7276% | 1,302 |
| Net interest margin | 6.5997% | 40 |
| Noninterest income to average assets | 8.8682% | 60 |
| Noninterest expense to average assets | 9.8260% | 70 |
| Loan and lease loss provision to assets | 0.3303% | 375 |
| Net operating income to assets | 3.8093% | 54 |
| Return on assets (ROA) | 3.8093% | 54 |
| Pretax return on assets | 5.0534% | 44 |
| Return on Equity (ROE) | 23.1603% | 126 |
| Retained earnings to average equity (ytd only) | 23.1603% | 63 |
| Net charge-offs to loans | 0.0346% | 1,822 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 195.6000% | 344 |
| Efficiency ratio | 64.6037% | 3,387 |
| Assets per employee ($millions) | 2.1120% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 1,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.8052% | 1,568 |
| Net loans and leases to deposits | 91.2156% | 1,533 |
| Net loans and leases to core deposits | 101.7102% | 1,556 |
| Total domestic deposits to total assets | 83.1055% | 3,632 |
| Equity capital to assets | 16.1020% | 476 |
| Core capital (leverage) ratio | 17.0980% | 374 |
| Tier 1 risk-based capital ratio | 18.7970% | 1,605 |
| Total risk-based capital ratio | 20.0493% | 1,566 |
| Memoranda: | ||
| Average total assets | $72,664,500 | 4,696 |
| Average earning assets | $69,821,500 | 4,642 |
| Average equity | $11,951,500 | 4,130 |
| Average total loans | $57,860,500 | 4,253 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5367% | 73 |
| Cost of funding earning assets | 0.6314% | 1,409 |
| Net interest margin | 5.9053% | 75 |
| Noninterest income to average assets | 8.8880% | 65 |
| Noninterest expense to average assets | 8.1053% | 91 |
| Loan and lease loss provision to assets | 0.3566% | 439 |
| Net operating income to assets | 3.7970% | 48 |
| Return on assets (ROA) | 3.7970% | 48 |
| Pretax return on assets | 6.1034% | 35 |
| Return on Equity (ROE) | 25.2003% | 67 |
| Retained earnings to average equity (ytd only) | 23.8497% | 22 |
| Net charge-offs to loans | -0.1104% | 5,394 |
| Credit loss provision to net charge-offs | -410.0000% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6484% | 4,795 |
| Assets per employee ($millions) | 2.0335% | 5,567 |
| Cash dividends to net income (ytd only)* | 5.3596% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 81.4344% | 753 |
| Net loans and leases to deposits | 98.8454% | 833 |
| Net loans and leases to core deposits | 100.8143% | 1,651 |
| Total domestic deposits to total assets | 82.3857% | 3,760 |
| Equity capital to assets | 16.8736% | 409 |
| Core capital (leverage) ratio | 16.1215% | 461 |
| Tier 1 risk-based capital ratio | 19.5142% | 1,410 |
| Total risk-based capital ratio | 20.7692% | 1,384 |
| Memoranda: | ||
| Average total assets | $57,493,000 | 5,018 |
| Average earning assets | $55,272,800 | 4,971 |
| Average equity | $8,662,600 | 4,673 |
| Average total loans | $45,272,400 | 4,585 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2601% | 97 |
| Cost of funding earning assets | 0.6130% | 1,443 |
| Net interest margin | 5.6470% | 88 |
| Noninterest income to average assets | 9.2854% | 68 |
| Noninterest expense to average assets | 8.3262% | 90 |
| Loan and lease loss provision to assets | 0.2998% | 523 |
| Net operating income to assets | 3.7818% | 55 |
| Return on assets (ROA) | 3.7818% | 55 |
| Pretax return on assets | 6.0936% | 40 |
| Return on Equity (ROE) | 26.0119% | 59 |
| Retained earnings to average equity (ytd only) | 25.2698% | 26 |
| Net charge-offs to loans | -0.1423% | 5,464 |
| Credit loss provision to net charge-offs | -271.7391% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5657% | 4,669 |
| Assets per employee ($millions) | 2.4316% | 5,542 |
| Cash dividends to net income (ytd only)* | 2.8536% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 1,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 75.6220% | 1,654 |
| Net loans and leases to deposits | 91.8327% | 1,590 |
| Net loans and leases to core deposits | 93.7119% | 2,292 |
| Total domestic deposits to total assets | 82.3476% | 3,672 |
| Equity capital to assets | 16.2873% | 500 |
| Core capital (leverage) ratio | 16.5268% | 427 |
| Tier 1 risk-based capital ratio | 20.4463% | 1,288 |
| Total risk-based capital ratio | 21.7043% | 1,257 |
| Memoranda: | ||
| Average total assets | $55,598,250 | 5,110 |
| Average earning assets | $53,501,750 | 5,060 |
| Average equity | $8,083,250 | 4,830 |
| Average total loans | $43,113,250 | 4,683 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0398% | 119 |
| Cost of funding earning assets | 0.6224% | 1,319 |
| Net interest margin | 5.4174% | 118 |
| Noninterest income to average assets | 9.3559% | 64 |
| Noninterest expense to average assets | 8.8470% | 81 |
| Loan and lease loss provision to assets | 0.1885% | 996 |
| Net operating income to assets | 3.4416% | 67 |
| Return on assets (ROA) | 3.4416% | 67 |
| Pretax return on assets | 5.5374% | 46 |
| Return on Equity (ROE) | 24.8593% | 82 |
| Retained earnings to average equity (ytd only) | 24.8593% | 33 |
| Net charge-offs to loans | -0.2035% | 5,575 |
| Credit loss provision to net charge-offs | -119.0476% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7087% | 4,210 |
| Assets per employee ($millions) | 2.3304% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 75.5690% | 1,598 |
| Net loans and leases to deposits | 89.7823% | 1,758 |
| Net loans and leases to core deposits | 91.8146% | 2,353 |
| Total domestic deposits to total assets | 84.1692% | 3,134 |
| Equity capital to assets | 14.8331% | 731 |
| Core capital (leverage) ratio | 14.0677% | 843 |
| Tier 1 risk-based capital ratio | 18.2868% | 1,780 |
| Total risk-based capital ratio | 19.5444% | 1,734 |
| Memoranda: | ||
| Average total assets | $53,057,330 | 5,189 |
| Average earning assets | $51,094,670 | 5,137 |
| Average equity | $7,345,330 | 4,956 |
| Average total loans | $41,270,000 | 4,770 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 168 |
| Cost of funding earning assets | 0.5948% | 1,410 |
| Net interest margin | 5.1520% | 165 |
| Noninterest income to average assets | 9.0350% | 64 |
| Noninterest expense to average assets | 8.4926% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.5179% | 68 |
| Return on assets (ROA) | 3.5179% | 68 |
| Pretax return on assets | 5.5093% | 50 |
| Return on Equity (ROE) | 26.4338% | 68 |
| Retained earnings to average equity (ytd only) | 26.4338% | 41 |
| Net charge-offs to loans | -0.4951% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6530% | 4,375 |
| Assets per employee ($millions) | 2.4363% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 1,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 4,637 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.3285% | 2,027 |
| Net loans and leases to deposits | 83.6688% | 2,322 |
| Net loans and leases to core deposits | 87.3435% | 2,612 |
| Total domestic deposits to total assets | 86.4462% | 2,468 |
| Equity capital to assets | 12.8346% | 1,335 |
| Core capital (leverage) ratio | 13.3038% | 1,033 |
| Tier 1 risk-based capital ratio | 16.7758% | 2,255 |
| Total risk-based capital ratio | 18.0323% | 2,223 |
| Memoranda: | ||
| Average total assets | $51,621,500 | 5,279 |
| Average earning assets | $49,767,500 | 5,215 |
| Average equity | $6,870,000 | 5,090 |
| Average total loans | $40,395,000 | 4,836 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 138 |
| Cost of funding earning assets | 0.5753% | 1,514 |
| Net interest margin | 5.3174% | 148 |
| Noninterest income to average assets | 5.6956% | 109 |
| Noninterest expense to average assets | 7.6152% | 115 |
| Loan and lease loss provision to assets | 0.0774% | 2,815 |
| Net operating income to assets | 2.1003% | 265 |
| Return on assets (ROA) | 2.1003% | 272 |
| Pretax return on assets | 3.1001% | 105 |
| Return on Equity (ROE) | 15.3580% | 580 |
| Retained earnings to average equity (ytd only) | 15.3580% | 101 |
| Net charge-offs to loans | -0.1407% | 5,668 |
| Credit loss provision to net charge-offs | -67.3469% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5588% | 2,821 |
| Assets per employee ($millions) | 2.3604% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,183 |
| Loan loss allowance to noncurrent loans | 798.7952% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 4,615 |
| Noncurrent loans to loans | 0.2099% | 4,402 |
| Net loans and leases to total assets | 82.3691% | 557 |
| Net loans and leases to deposits | 95.9601% | 1,000 |
| Net loans and leases to core deposits | 100.3847% | 1,589 |
| Total domestic deposits to total assets | 85.8368% | 2,659 |
| Equity capital to assets | 13.8708% | 931 |
| Core capital (leverage) ratio | 13.1286% | 1,091 |
| Tier 1 risk-based capital ratio | 16.2690% | 2,438 |
| Total risk-based capital ratio | 17.5271% | 2,371 |
| Memoranda: | ||
| Average total assets | $42,612,200 | 5,496 |
| Average earning assets | $40,847,200 | 5,447 |
| Average equity | $5,827,600 | 5,306 |
| Average total loans | $34,827,000 | 5,044 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 187 |
| Cost of funding earning assets | 0.5676% | 1,560 |
| Net interest margin | 5.1422% | 195 |
| Noninterest income to average assets | 4.7720% | 131 |
| Noninterest expense to average assets | 7.3573% | 125 |
| Loan and lease loss provision to assets | 0.1061% | 2,158 |
| Net operating income to assets | 1.4502% | 975 |
| Return on assets (ROA) | 1.4502% | 1,023 |
| Pretax return on assets | 2.2316% | 362 |
| Return on Equity (ROE) | 10.6475% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.6475% | 466 |
| Net charge-offs to loans | -0.4834% | 5,886 |
| Credit loss provision to net charge-offs | -27.0492% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8872% | 1,991 |
| Assets per employee ($millions) | 2.6278% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 964 |
| Loan loss allowance to noncurrent loans | 1,887.1795% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,111 |
| Noncurrent loans to loans | 0.0967% | 4,958 |
| Net loans and leases to total assets | 83.6790% | 441 |
| Net loans and leases to deposits | 96.8082% | 971 |
| Net loans and leases to core deposits | 102.5282% | 1,444 |
| Total domestic deposits to total assets | 86.4379% | 2,149 |
| Equity capital to assets | 12.5875% | 1,724 |
| Core capital (leverage) ratio | 12.0271% | 1,658 |
| Tier 1 risk-based capital ratio | 15.2037% | 2,954 |
| Total risk-based capital ratio | 16.4697% | 2,883 |
| Memoranda: | ||
| Average total assets | $41,463,500 | 5,570 |
| Average earning assets | $39,697,000 | 5,531 |
| Average equity | $5,647,500 | 5,397 |
| Average total loans | $33,647,000 | 5,130 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 255 |
| Cost of funding earning assets | 0.5610% | 1,605 |
| Net interest margin | 4.9436% | 290 |
| Noninterest income to average assets | 5.1622% | 118 |
| Noninterest expense to average assets | 7.4650% | 122 |
| Loan and lease loss provision to assets | 0.1670% | 1,343 |
| Net operating income to assets | 1.4778% | 926 |
| Return on assets (ROA) | 1.4778% | 977 |
| Pretax return on assets | 2.2572% | 335 |
| Return on Equity (ROE) | 10.5314% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.5314% | 501 |
| Net charge-offs to loans | -0.7701% | 5,975 |
| Credit loss provision to net charge-offs | -27.2727% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4862% | 2,151 |
| Assets per employee ($millions) | 2.5164% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 592 |
| Loan loss allowance to noncurrent loans | 474.1935% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 4,032 |
| Noncurrent loans to loans | 0.4499% | 3,757 |
| Net loans and leases to total assets | 78.8139% | 1,097 |
| Net loans and leases to deposits | 91.7140% | 1,554 |
| Net loans and leases to core deposits | 97.0691% | 1,885 |
| Total domestic deposits to total assets | 85.9344% | 2,455 |
| Equity capital to assets | 13.5467% | 1,212 |
| Core capital (leverage) ratio | 12.7652% | 1,246 |
| Tier 1 risk-based capital ratio | 15.5613% | 2,835 |
| Total risk-based capital ratio | 16.8317% | 2,771 |
| Memoranda: | ||
| Average total assets | $39,517,670 | 5,670 |
| Average earning assets | $37,786,330 | 5,636 |
| Average equity | $5,545,330 | 5,468 |
| Average total loans | $31,423,670 | 5,254 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6340% | 210 |
| Cost of funding earning assets | 0.5634% | 1,597 |
| Net interest margin | 5.0706% | 220 |
| Noninterest income to average assets | 2.5338% | 248 |
| Noninterest expense to average assets | 6.0073% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8974% | 2,765 |
| Return on assets (ROA) | 0.8974% | 2,894 |
| Pretax return on assets | 1.3725% | 1,990 |
| Return on Equity (ROE) | 6.2725% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.2725% | 2,248 |
| Net charge-offs to loans | 0.0401% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 962 |
| Efficiency ratio | 81.4020% | 1,436 |
| Assets per employee ($millions) | 2.2529% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9641% | 871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.3283% | 1,500 |
| Net loans and leases to deposits | 88.3046% | 1,796 |
| Net loans and leases to core deposits | 94.1426% | 1,976 |
| Total domestic deposits to total assets | 85.3051% | 3,000 |
| Equity capital to assets | 14.5905% | 807 |
| Core capital (leverage) ratio | 13.1936% | 1,086 |
| Tier 1 risk-based capital ratio | 17.4579% | 2,135 |
| Total risk-based capital ratio | 18.7275% | 2,099 |
| Memoranda: | ||
| Average total assets | $37,887,500 | 5,761 |
| Average earning assets | $36,208,500 | 5,716 |
| Average equity | $5,420,500 | 5,523 |
| Average total loans | $29,910,500 | 5,340 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 106 |
| Cost of funding earning assets | 0.4935% | 2,215 |
| Net interest margin | 5.7258% | 91 |
| Noninterest income to average assets | 3.6559% | 171 |
| Noninterest expense to average assets | 5.9696% | 180 |
| Loan and lease loss provision to assets | 0.9285% | 97 |
| Net operating income to assets | 1.4311% | 981 |
| Return on assets (ROA) | 1.4311% | 1,013 |
| Pretax return on assets | 2.1972% | 348 |
| Return on Equity (ROE) | 9.3366% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.3366% | 576 |
| Net charge-offs to loans | 0.5500% | 455 |
| Credit loss provision to net charge-offs | 214.8936% | 1,323 |
| Earnings coverage of net charge-offs (x) | 7.2340% | 3,101 |
| Efficiency ratio | 65.6334% | 3,963 |
| Assets per employee ($millions) | 2.6769% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9116% | 934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.5496% | 913 |
| Net loans and leases to deposits | 92.6356% | 1,331 |
| Net loans and leases to core deposits | 98.0400% | 1,669 |
| Total domestic deposits to total assets | 85.8736% | 2,696 |
| Equity capital to assets | 14.0170% | 924 |
| Core capital (leverage) ratio | 13.0607% | 1,130 |
| Tier 1 risk-based capital ratio | 15.6162% | 2,873 |
| Total risk-based capital ratio | 16.8889% | 2,794 |
| Memoranda: | ||
| Average total assets | $32,631,800 | 5,917 |
| Average earning assets | $31,000,000 | 5,882 |
| Average equity | $5,001,800 | 5,652 |
| Average total loans | $25,637,000 | 5,529 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0786% | 125 |
| Cost of funding earning assets | 0.4697% | 2,503 |
| Net interest margin | 5.6090% | 104 |
| Noninterest income to average assets | 3.0001% | 208 |
| Noninterest expense to average assets | 5.5461% | 210 |
| Loan and lease loss provision to assets | 0.7978% | 89 |
| Net operating income to assets | 1.2900% | 1,369 |
| Return on assets (ROA) | 1.2900% | 1,420 |
| Pretax return on assets | 1.9774% | 625 |
| Return on Equity (ROE) | 8.2065% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.2065% | 1,162 |
| Net charge-offs to loans | 0.7744% | 268 |
| Credit loss provision to net charge-offs | 132.3944% | 1,852 |
| Earnings coverage of net charge-offs (x) | 4.6056% | 3,328 |
| Efficiency ratio | 66.6497% | 3,774 |
| Assets per employee ($millions) | 2.8510% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 1,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.9226% | 971 |
| Net loans and leases to deposits | 93.0748% | 1,294 |
| Net loans and leases to core deposits | 99.1299% | 1,590 |
| Total domestic deposits to total assets | 84.7948% | 3,098 |
| Equity capital to assets | 14.8778% | 769 |
| Core capital (leverage) ratio | 13.8561% | 900 |
| Tier 1 risk-based capital ratio | 16.7673% | 2,450 |
| Total risk-based capital ratio | 18.0442% | 2,403 |
| Memoranda: | ||
| Average total assets | $31,420,750 | 6,018 |
| Average earning assets | $29,808,500 | 5,980 |
| Average equity | $4,939,000 | 5,740 |
| Average total loans | $24,448,000 | 5,643 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1176% | 118 |
| Cost of funding earning assets | 0.4642% | 2,569 |
| Net interest margin | 5.6534% | 99 |
| Noninterest income to average assets | 2.5779% | 262 |
| Noninterest expense to average assets | 5.5165% | 222 |
| Loan and lease loss provision to assets | 0.4920% | 202 |
| Net operating income to assets | 1.2529% | 1,454 |
| Return on assets (ROA) | 1.2529% | 1,512 |
| Pretax return on assets | 1.9219% | 708 |
| Return on Equity (ROE) | 7.8140% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.8140% | 1,337 |
| Net charge-offs to loans | 0.5460% | 449 |
| Credit loss provision to net charge-offs | 117.1875% | 1,842 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,892 |
| Efficiency ratio | 69.5616% | 3,407 |
| Assets per employee ($millions) | 2.2537% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 1,344 |
| Loan loss allowance to noncurrent loans | 558.4416% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 4,899 |
| Noncurrent loans to loans | 0.3245% | 4,536 |
| Net loans and leases to total assets | 73.8495% | 1,685 |
| Net loans and leases to deposits | 87.8289% | 1,860 |
| Net loans and leases to core deposits | 94.1188% | 1,951 |
| Total domestic deposits to total assets | 84.0834% | 3,533 |
| Equity capital to assets | 15.7740% | 553 |
| Core capital (leverage) ratio | 13.9434% | 857 |
| Tier 1 risk-based capital ratio | 17.9208% | 2,083 |
| Total risk-based capital ratio | 19.2012% | 2,029 |
| Memoranda: | ||
| Average total assets | $30,490,330 | 6,102 |
| Average earning assets | $28,867,330 | 6,067 |
| Average equity | $4,888,670 | 5,804 |
| Average total loans | $23,442,000 | 5,729 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8393% | 161 |
| Cost of funding earning assets | 0.4383% | 2,897 |
| Net interest margin | 5.4010% | 137 |
| Noninterest income to average assets | 3.3378% | 195 |
| Noninterest expense to average assets | 5.4073% | 240 |
| Loan and lease loss provision to assets | 0.6676% | 137 |
| Net operating income to assets | 1.5621% | 761 |
| Return on assets (ROA) | 1.5621% | 801 |
| Pretax return on assets | 2.3632% | 293 |
| Return on Equity (ROE) | 9.6604% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.6604% | 1,003 |
| Net charge-offs to loans | 0.0858% | 1,861 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 45.4000% | 900 |
| Efficiency ratio | 64.0823% | 4,469 |
| Assets per employee ($millions) | 2.6203% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 1,173 |
| Loan loss allowance to noncurrent loans | 338.6861% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 4,129 |
| Noncurrent loans to loans | 0.5772% | 3,852 |
| Net loans and leases to total assets | 80.7445% | 604 |
| Net loans and leases to deposits | 97.3929% | 733 |
| Net loans and leases to core deposits | 100.6574% | 1,277 |
| Total domestic deposits to total assets | 82.9060% | 4,202 |
| Equity capital to assets | 17.0107% | 425 |
| Core capital (leverage) ratio | 15.3514% | 557 |
| Tier 1 risk-based capital ratio | 19.7551% | 1,678 |
| Total risk-based capital ratio | 21.0143% | 1,638 |
| Memoranda: | ||
| Average total assets | $29,959,500 | 6,174 |
| Average earning assets | $28,291,000 | 6,142 |
| Average equity | $4,844,500 | 5,871 |
| Average total loans | $23,297,500 | 5,783 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 233 |
| Cost of funding earning assets | 0.4602% | 3,071 |
| Net interest margin | 5.2225% | 204 |
| Noninterest income to average assets | 0.6252% | 2,710 |
| Noninterest expense to average assets | 5.0939% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2962% | 5,526 |
| Return on assets (ROA) | 0.2962% | 5,598 |
| Pretax return on assets | 0.4607% | 5,356 |
| Return on Equity (ROE) | 1.9598% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.9598% | 4,816 |
| Net charge-offs to loans | 0.0181% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,201 |
| Efficiency ratio | 91.7062% | 727 |
| Assets per employee ($millions) | 3.1096% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 1,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.1572% | 1,886 |
| Net loans and leases to deposits | 85.3123% | 2,058 |
| Net loans and leases to core deposits | 87.8991% | 2,510 |
| Total domestic deposits to total assets | 84.5800% | 3,466 |
| Equity capital to assets | 15.3910% | 634 |
| Core capital (leverage) ratio | 13.5994% | 939 |
| Tier 1 risk-based capital ratio | 18.8258% | 1,900 |
| Total risk-based capital ratio | 20.0848% | 1,858 |
| Memoranda: | ||
| Average total assets | $30,389,200 | 6,245 |
| Average earning assets | $28,683,400 | 6,208 |
| Average equity | $4,592,400 | 5,962 |
| Average total loans | $22,076,800 | 5,882 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5760% | 284 |
| Cost of funding earning assets | 0.4631% | 3,122 |
| Net interest margin | 5.1129% | 241 |
| Noninterest income to average assets | 0.6399% | 2,627 |
| Noninterest expense to average assets | 4.9382% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3707% | 5,366 |
| Return on assets (ROA) | 0.3707% | 5,440 |
| Pretax return on assets | 0.5252% | 5,250 |
| Return on Equity (ROE) | 2.4648% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.4648% | 4,819 |
| Net charge-offs to loans | -0.0122% | 5,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3877% | 822 |
| Assets per employee ($millions) | 3.4931% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 1,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.4955% | 2,273 |
| Net loans and leases to deposits | 81.4252% | 2,501 |
| Net loans and leases to core deposits | 83.8405% | 2,895 |
| Total domestic deposits to total assets | 85.3489% | 3,188 |
| Equity capital to assets | 14.5684% | 837 |
| Core capital (leverage) ratio | 12.2647% | 1,539 |
| Tier 1 risk-based capital ratio | 18.1391% | 2,167 |
| Total risk-based capital ratio | 19.4006% | 2,123 |
| Memoranda: | ||
| Average total assets | $30,212,500 | 6,320 |
| Average earning assets | $28,502,500 | 6,285 |
| Average equity | $4,544,000 | 6,037 |
| Average total loans | $21,881,500 | 5,953 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6762% | 230 |
| Cost of funding earning assets | 0.4558% | 3,253 |
| Net interest margin | 5.2204% | 193 |
| Noninterest income to average assets | 0.6509% | 2,539 |
| Noninterest expense to average assets | 4.8853% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4764% | 4,908 |
| Return on assets (ROA) | 0.4764% | 4,978 |
| Pretax return on assets | 0.6845% | 4,698 |
| Return on Equity (ROE) | 3.1333% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.1333% | 4,216 |
| Net charge-offs to loans | -0.0460% | 5,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7108% | 1,110 |
| Assets per employee ($millions) | 3.5357% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 1,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 67.9143% | 2,421 |
| Net loans and leases to deposits | 79.3559% | 2,603 |
| Net loans and leases to core deposits | 81.6711% | 3,008 |
| Total domestic deposits to total assets | 85.5818% | 3,252 |
| Equity capital to assets | 14.3522% | 860 |
| Core capital (leverage) ratio | 12.6533% | 1,304 |
| Tier 1 risk-based capital ratio | 17.9399% | 2,267 |
| Total risk-based capital ratio | 19.1990% | 2,230 |
| Memoranda: | ||
| Average total assets | $29,804,000 | 6,384 |
| Average earning assets | $28,082,000 | 6,352 |
| Average equity | $4,532,000 | 6,083 |
| Average total loans | $21,751,000 | 6,007 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 212 |
| Cost of funding earning assets | 0.4437% | 3,493 |
| Net interest margin | 5.2802% | 163 |
| Noninterest income to average assets | 0.5973% | 2,750 |
| Noninterest expense to average assets | 4.7924% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5279% | 4,564 |
| Return on assets (ROA) | 0.5279% | 4,631 |
| Pretax return on assets | 0.7640% | 4,256 |
| Return on Equity (ROE) | 3.3669% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.3669% | 4,105 |
| Net charge-offs to loans | -0.0741% | 5,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2500% | 1,425 |
| Assets per employee ($millions) | 3.6384% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 1,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.9896% | 1,577 |
| Net loans and leases to deposits | 85.3280% | 1,693 |
| Net loans and leases to core deposits | 88.0938% | 2,081 |
| Total domestic deposits to total assets | 84.3680% | 4,137 |
| Equity capital to assets | 15.5736% | 591 |
| Core capital (leverage) ratio | 13.2563% | 1,066 |
| Tier 1 risk-based capital ratio | 18.0231% | 2,285 |
| Total risk-based capital ratio | 19.2830% | 2,259 |
| Memoranda: | ||
| Average total assets | $28,795,500 | 6,473 |
| Average earning assets | $27,044,500 | 6,438 |
| Average equity | $4,514,500 | 6,132 |
| Average total loans | $21,607,000 | 6,065 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 247 |
| Cost of funding earning assets | 0.4932% | 3,673 |
| Net interest margin | 5.2649% | 197 |
| Noninterest income to average assets | 0.5218% | 3,613 |
| Noninterest expense to average assets | 4.8356% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4035% | 5,134 |
| Return on assets (ROA) | 0.4035% | 5,246 |
| Pretax return on assets | 0.5879% | 4,905 |
| Return on Equity (ROE) | 2.6343% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.6343% | 4,373 |
| Net charge-offs to loans | 0.0319% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 24.1429% | 1,378 |
| Efficiency ratio | 89.1597% | 1,096 |
| Assets per employee ($millions) | 3.5605% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 1,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 75.1650% | 1,201 |
| Net loans and leases to deposits | 89.2976% | 1,313 |
| Net loans and leases to core deposits | 92.2646% | 1,773 |
| Total domestic deposits to total assets | 84.1736% | 4,101 |
| Equity capital to assets | 15.7843% | 563 |
| Core capital (leverage) ratio | 12.6141% | 1,298 |
| Tier 1 risk-based capital ratio | 17.0794% | 2,574 |
| Total risk-based capital ratio | 18.3388% | 2,543 |
| Memoranda: | ||
| Average total assets | $28,745,000 | 6,550 |
| Average earning assets | $26,762,200 | 6,512 |
| Average equity | $4,403,400 | 6,233 |
| Average total loans | $21,943,000 | 6,119 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7273% | 267 |
| Cost of funding earning assets | 0.4980% | 3,784 |
| Net interest margin | 5.2292% | 205 |
| Noninterest income to average assets | 0.5368% | 3,542 |
| Noninterest expense to average assets | 4.8176% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3795% | 5,336 |
| Return on assets (ROA) | 0.3795% | 5,474 |
| Pretax return on assets | 0.5785% | 5,104 |
| Return on Equity (ROE) | 2.4960% | 5,786 |
| Retained earnings to average equity (ytd only) | 2.4960% | 4,825 |
| Net charge-offs to loans | 0.0546% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.8883% | 1,983 |
| Efficiency ratio | 89.2796% | 1,056 |
| Assets per employee ($millions) | 3.7784% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 2,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 73.8413% | 1,311 |
| Net loans and leases to deposits | 86.6729% | 1,531 |
| Net loans and leases to core deposits | 89.3443% | 2,038 |
| Total domestic deposits to total assets | 85.1954% | 3,636 |
| Equity capital to assets | 14.7616% | 762 |
| Core capital (leverage) ratio | 12.7456% | 1,307 |
| Tier 1 risk-based capital ratio | 16.4537% | 2,956 |
| Total risk-based capital ratio | 17.7131% | 2,921 |
| Memoranda: | ||
| Average total assets | $28,810,250 | 6,623 |
| Average earning assets | $26,772,000 | 6,583 |
| Average equity | $4,380,250 | 6,316 |
| Average total loans | $21,970,500 | 6,184 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7548% | 255 |
| Cost of funding earning assets | 0.5037% | 3,862 |
| Net interest margin | 5.2511% | 198 |
| Noninterest income to average assets | 0.5787% | 3,327 |
| Noninterest expense to average assets | 4.9686% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2894% | 5,633 |
| Return on assets (ROA) | 0.2894% | 5,776 |
| Pretax return on assets | 0.4658% | 5,477 |
| Return on Equity (ROE) | 1.8838% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.8838% | 5,071 |
| Net charge-offs to loans | 0.0921% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,689 |
| Efficiency ratio | 91.4286% | 939 |
| Assets per employee ($millions) | 3.5188% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 2,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 79.9929% | 539 |
| Net loans and leases to deposits | 94.9846% | 738 |
| Net loans and leases to core deposits | 98.1690% | 1,201 |
| Total domestic deposits to total assets | 84.2167% | 4,232 |
| Equity capital to assets | 15.7052% | 578 |
| Core capital (leverage) ratio | 13.1161% | 1,125 |
| Tier 1 risk-based capital ratio | 15.8808% | 3,274 |
| Total risk-based capital ratio | 17.1379% | 3,208 |
| Memoranda: | ||
| Average total assets | $28,338,000 | 6,684 |
| Average earning assets | $26,204,000 | 6,652 |
| Average equity | $4,353,000 | 6,374 |
| Average total loans | $21,713,670 | 6,234 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5208% | 358 |
| Cost of funding earning assets | 0.5229% | 3,859 |
| Net interest margin | 4.9980% | 296 |
| Noninterest income to average assets | 0.7456% | 2,355 |
| Noninterest expense to average assets | 4.8396% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3939% | 5,154 |
| Return on assets (ROA) | 0.3939% | 5,300 |
| Pretax return on assets | 0.4783% | 5,328 |
| Return on Equity (ROE) | 2.5932% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.5932% | 4,727 |
| Net charge-offs to loans | 0.2085% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.0909% | 2,844 |
| Efficiency ratio | 91.0053% | 1,065 |
| Assets per employee ($millions) | 3.6075% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 2,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8468% | 2,549 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 74.5565% | 1,005 |
| Net loans and leases to deposits | 88.1627% | 1,132 |
| Net loans and leases to core deposits | 91.0233% | 1,602 |
| Total domestic deposits to total assets | 84.5669% | 4,239 |
| Equity capital to assets | 15.2737% | 692 |
| Core capital (leverage) ratio | 12.6716% | 1,263 |
| Tier 1 risk-based capital ratio | 15.9731% | 3,287 |
| Total risk-based capital ratio | 17.2321% | 3,239 |
| Memoranda: | ||
| Average total assets | $28,432,000 | 6,748 |
| Average earning assets | $26,010,500 | 6,722 |
| Average equity | $4,319,000 | 6,441 |
| Average total loans | $21,101,500 | 6,306 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 1,361 |
| Cost of funding earning assets | 0.6033% | 4,317 |
| Net interest margin | 4.4729% | 993 |
| Noninterest income to average assets | 0.8544% | 2,021 |
| Noninterest expense to average assets | 5.7280% | 248 |
| Loan and lease loss provision to assets | 0.3094% | 2,203 |
| Net operating income to assets | -0.7912% | 6,676 |
| Return on assets (ROA) | -0.7912% | 6,695 |
| Pretax return on assets | -1.2201% | 6,788 |
| Return on Equity (ROE) | -5.2042% | 6,602 |
| Retained earnings to average equity (ytd only) | -5.2042% | 6,441 |
| Net charge-offs to loans | 0.6010% | 1,932 |
| Credit loss provision to net charge-offs | 77.1930% | 3,923 |
| Earnings coverage of net charge-offs (x) | -2.2719% | 5,844 |
| Efficiency ratio | 118.9051% | 221 |
| Assets per employee ($millions) | 3.5005% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,704 |
| Loan loss allowance to noncurrent loans | 349.5935% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 4.7957% | 830 |
| Noncurrent loans to loans | 0.6069% | 5,002 |
| Net loans and leases to total assets | 70.8363% | 1,677 |
| Net loans and leases to deposits | 83.4820% | 1,816 |
| Net loans and leases to core deposits | 86.2666% | 2,281 |
| Total domestic deposits to total assets | 84.8522% | 3,923 |
| Equity capital to assets | 15.1050% | 710 |
| Core capital (leverage) ratio | 11.7431% | 1,708 |
| Tier 1 risk-based capital ratio | 15.7144% | 3,308 |
| Total risk-based capital ratio | 16.9766% | 3,260 |
| Memoranda: | ||
| Average total assets | $28,439,400 | 6,792 |
| Average earning assets | $25,196,400 | 6,782 |
| Average equity | $4,323,400 | 6,488 |
| Average total loans | $18,967,800 | 6,465 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 2,048 |
| Cost of funding earning assets | 0.6192% | 4,456 |
| Net interest margin | 4.2711% | 1,550 |
| Noninterest income to average assets | 0.8453% | 2,056 |
| Noninterest expense to average assets | 5.5063% | 267 |
| Loan and lease loss provision to assets | 0.4110% | 1,559 |
| Net operating income to assets | -1.3030% | 6,927 |
| Return on assets (ROA) | -1.3030% | 6,948 |
| Pretax return on assets | -1.3030% | 6,926 |
| Return on Equity (ROE) | -8.5579% | 6,829 |
| Retained earnings to average equity (ytd only) | -8.5579% | 6,769 |
| Net charge-offs to loans | 0.8081% | 1,352 |
| Credit loss provision to net charge-offs | 77.8761% | 3,681 |
| Earnings coverage of net charge-offs (x) | -1.6903% | 5,629 |
| Efficiency ratio | 119.3320% | 201 |
| Assets per employee ($millions) | 3.5029% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1666% | 1,771 |
| Loan loss allowance to noncurrent loans | 342.0635% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 6.6410% | 556 |
| Noncurrent loans to loans | 0.6334% | 5,177 |
| Net loans and leases to total assets | 69.4501% | 2,027 |
| Net loans and leases to deposits | 81.6530% | 2,170 |
| Net loans and leases to core deposits | 84.3680% | 2,657 |
| Total domestic deposits to total assets | 85.0551% | 3,720 |
| Equity capital to assets | 14.9020% | 847 |
| Core capital (leverage) ratio | 12.3074% | 1,491 |
| Tier 1 risk-based capital ratio | 16.6542% | 2,919 |
| Total risk-based capital ratio | 17.9131% | 2,877 |
| Memoranda: | ||
| Average total assets | $28,548,250 | 6,875 |
| Average earning assets | $25,192,000 | 6,870 |
| Average equity | $4,346,750 | 6,556 |
| Average total loans | $18,643,000 | 6,570 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 2,961 |
| Cost of funding earning assets | 0.6473% | 4,465 |
| Net interest margin | 4.0416% | 2,333 |
| Noninterest income to average assets | 0.9887% | 1,495 |
| Noninterest expense to average assets | 5.1805% | 334 |
| Loan and lease loss provision to assets | 0.2437% | 2,628 |
| Net operating income to assets | -0.8704% | 6,877 |
| Return on assets (ROA) | -0.8704% | 6,903 |
| Pretax return on assets | -0.8704% | 6,872 |
| Return on Equity (ROE) | -5.6771% | 6,792 |
| Retained earnings to average equity (ytd only) | -5.6771% | 6,655 |
| Net charge-offs to loans | -0.1207% | 6,894 |
| Credit loss provision to net charge-offs | -318.1818% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7615% | 282 |
| Assets per employee ($millions) | 3.4934% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7716% | 970 |
| Loan loss allowance to noncurrent loans | 84.3697% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 8.5626% | 378 |
| Noncurrent loans to loans | 3.2851% | 1,775 |
| Net loans and leases to total assets | 63.0121% | 3,233 |
| Net loans and leases to deposits | 74.6060% | 3,190 |
| Net loans and leases to core deposits | 77.1050% | 3,645 |
| Total domestic deposits to total assets | 84.4599% | 4,115 |
| Equity capital to assets | 15.4936% | 678 |
| Core capital (leverage) ratio | 13.2563% | 1,067 |
| Tier 1 risk-based capital ratio | 18.1880% | 2,232 |
| Total risk-based capital ratio | 19.4556% | 2,199 |
| Memoranda: | ||
| Average total assets | $28,723,330 | 6,921 |
| Average earning assets | $25,336,670 | 6,918 |
| Average equity | $4,403,670 | 6,569 |
| Average total loans | $18,226,330 | 6,637 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 3,826 |
| Cost of funding earning assets | 0.7019% | 4,270 |
| Net interest margin | 3.8214% | 3,283 |
| Noninterest income to average assets | 1.3328% | 804 |
| Noninterest expense to average assets | 4.6167% | 494 |
| Loan and lease loss provision to assets | 0.4809% | 1,274 |
| Net operating income to assets | -0.3985% | 6,770 |
| Return on assets (ROA) | -0.3985% | 6,805 |
| Pretax return on assets | -0.3985% | 6,782 |
| Return on Equity (ROE) | -2.6123% | 6,729 |
| Retained earnings to average equity (ytd only) | -2.6123% | 6,349 |
| Net charge-offs to loans | -0.3282% | 7,088 |
| Credit loss provision to net charge-offs | -233.3333% | 5,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2456% | 625 |
| Assets per employee ($millions) | 3.6361% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7234% | 1,085 |
| Loan loss allowance to noncurrent loans | 58.1609% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 9.2578% | 367 |
| Noncurrent loans to loans | 4.6825% | 1,217 |
| Net loans and leases to total assets | 62.1335% | 3,233 |
| Net loans and leases to deposits | 73.3314% | 3,227 |
| Net loans and leases to core deposits | 75.6804% | 3,655 |
| Total domestic deposits to total assets | 84.7296% | 4,154 |
| Equity capital to assets | 15.2154% | 708 |
| Core capital (leverage) ratio | 13.5556% | 925 |
| Tier 1 risk-based capital ratio | 18.5553% | 2,129 |
| Total risk-based capital ratio | 19.8223% | 2,090 |
| Memoranda: | ||
| Average total assets | $29,111,500 | 6,972 |
| Average earning assets | $25,645,000 | 6,965 |
| Average equity | $4,440,500 | 6,597 |
| Average total loans | $18,283,500 | 6,692 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 4,865 |
| Cost of funding earning assets | 0.8296% | 4,628 |
| Net interest margin | 3.7239% | 4,183 |
| Noninterest income to average assets | -0.2768% | 7,191 |
| Noninterest expense to average assets | 6.0462% | 205 |
| Loan and lease loss provision to assets | 0.8075% | 1,210 |
| Net operating income to assets | -2.2042% | 7,059 |
| Return on assets (ROA) | -2.2042% | 7,077 |
| Pretax return on assets | -3.8127% | 7,260 |
| Return on Equity (ROE) | -14.0486% | 6,865 |
| Retained earnings to average equity (ytd only) | -14.0486% | 6,842 |
| Net charge-offs to loans | 3.5270% | 217 |
| Credit loss provision to net charge-offs | 36.6322% | 5,685 |
| Earnings coverage of net charge-offs (x) | -1.3634% | 6,238 |
| Efficiency ratio | 198.8223% | 60 |
| Assets per employee ($millions) | 3.6418% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5352% | 1,271 |
| Loan loss allowance to noncurrent loans | 124.5902% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 8.4094% | 454 |
| Noncurrent loans to loans | 2.0348% | 3,162 |
| Net loans and leases to total assets | 60.1737% | 3,962 |
| Net loans and leases to deposits | 71.0880% | 3,938 |
| Net loans and leases to core deposits | 73.3607% | 4,330 |
| Total domestic deposits to total assets | 84.6468% | 4,022 |
| Equity capital to assets | 15.2914% | 724 |
| Core capital (leverage) ratio | 13.0242% | 1,129 |
| Tier 1 risk-based capital ratio | 20.4741% | 1,531 |
| Total risk-based capital ratio | 21.7396% | 1,497 |
| Memoranda: | ||
| Average total assets | $30,713,400 | 6,948 |
| Average earning assets | $27,363,800 | 6,941 |
| Average equity | $4,819,000 | 6,502 |
| Average total loans | $19,194,800 | 6,700 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 5,121 |
| Cost of funding earning assets | 0.8477% | 4,789 |
| Net interest margin | 3.6926% | 4,376 |
| Noninterest income to average assets | 0.4886% | 3,962 |
| Noninterest expense to average assets | 4.9632% | 383 |
| Loan and lease loss provision to assets | 0.7158% | 1,338 |
| Net operating income to assets | -1.8858% | 7,120 |
| Return on assets (ROA) | -1.8858% | 7,130 |
| Pretax return on assets | -1.8858% | 7,100 |
| Return on Equity (ROE) | -11.9481% | 6,948 |
| Retained earnings to average equity (ytd only) | -11.9481% | 6,918 |
| Net charge-offs to loans | 4.1237% | 151 |
| Credit loss provision to net charge-offs | 27.6949% | 5,446 |
| Earnings coverage of net charge-offs (x) | -0.4527% | 5,817 |
| Efficiency ratio | 130.8475% | 223 |
| Assets per employee ($millions) | 3.6174% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 1,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 9.0397% | 440 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 57.5832% | 4,570 |
| Net loans and leases to deposits | 68.7828% | 4,477 |
| Net loans and leases to core deposits | 71.0164% | 4,837 |
| Total domestic deposits to total assets | 83.7175% | 4,365 |
| Equity capital to assets | 16.2134% | 598 |
| Core capital (leverage) ratio | 15.8204% | 528 |
| Tier 1 risk-based capital ratio | 27.0729% | 730 |
| Total risk-based capital ratio | 28.3423% | 718 |
| Memoranda: | ||
| Average total assets | $31,108,250 | 7,005 |
| Average earning assets | $27,838,750 | 6,997 |
| Average equity | $4,910,000 | 6,522 |
| Average total loans | $19,496,750 | 6,751 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 5,105 |
| Cost of funding earning assets | 0.8675% | 4,927 |
| Net interest margin | 3.7007% | 4,254 |
| Noninterest income to average assets | 0.3330% | 5,227 |
| Noninterest expense to average assets | 4.5301% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.8734% | 6,901 |
| Return on assets (ROA) | -0.8734% | 6,904 |
| Pretax return on assets | -0.8734% | 6,853 |
| Return on Equity (ROE) | -5.5793% | 6,749 |
| Retained earnings to average equity (ytd only) | -5.5793% | 6,614 |
| Net charge-offs to loans | 4.5931% | 153 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.2983% | 5,452 |
| Efficiency ratio | 123.8832% | 305 |
| Assets per employee ($millions) | 4.2963% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3993% | 1,592 |
| Loan loss allowance to noncurrent loans | 130.8411% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 9.6961% | 415 |
| Noncurrent loans to loans | 1.8338% | 3,704 |
| Net loans and leases to total assets | 56.8099% | 4,849 |
| Net loans and leases to deposits | 68.1709% | 4,681 |
| Net loans and leases to core deposits | 70.3029% | 5,036 |
| Total domestic deposits to total assets | 83.3344% | 4,615 |
| Equity capital to assets | 16.6024% | 530 |
| Core capital (leverage) ratio | 16.5342% | 447 |
| Tier 1 risk-based capital ratio | 27.9861% | 656 |
| Total risk-based capital ratio | 29.2472% | 646 |
| Memoranda: | ||
| Average total assets | $31,831,330 | 7,051 |
| Average earning assets | $28,589,330 | 7,044 |
| Average equity | $4,982,670 | 6,536 |
| Average total loans | $20,291,330 | 6,767 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 4,911 |
| Cost of funding earning assets | 0.9080% | 4,863 |
| Net interest margin | 3.6998% | 4,104 |
| Noninterest income to average assets | 0.4158% | 4,580 |
| Noninterest expense to average assets | 3.6197% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1345% | 5,989 |
| Return on assets (ROA) | 0.1345% | 6,047 |
| Pretax return on assets | 0.1345% | 6,087 |
| Return on Equity (ROE) | 0.8840% | 6,168 |
| Retained earnings to average equity (ytd only) | 0.8840% | 5,474 |
| Net charge-offs to loans | 4.1135% | 217 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0493% | 4,551 |
| Efficiency ratio | 96.4169% | 899 |
| Assets per employee ($millions) | 4.7243% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2324% | 752 |
| Loan loss allowance to noncurrent loans | 62.9278% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 10.7590% | 352 |
| Noncurrent loans to loans | 5.1367% | 1,306 |
| Net loans and leases to total assets | 59.9274% | 4,279 |
| Net loans and leases to deposits | 70.6247% | 4,252 |
| Net loans and leases to core deposits | 72.5854% | 4,714 |
| Total domestic deposits to total assets | 84.8533% | 4,108 |
| Equity capital to assets | 15.0680% | 748 |
| Core capital (leverage) ratio | 14.6344% | 722 |
| Tier 1 risk-based capital ratio | 25.0654% | 869 |
| Total risk-based capital ratio | 26.3431% | 850 |
| Memoranda: | ||
| Average total assets | $32,710,000 | 7,080 |
| Average earning assets | $29,515,500 | 7,066 |
| Average equity | $4,977,500 | 6,575 |
| Average total loans | $21,684,500 | 6,762 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 2,498 |
| Cost of funding earning assets | 1.1465% | 4,873 |
| Net interest margin | 4.2954% | 1,830 |
| Noninterest income to average assets | 0.1686% | 6,525 |
| Noninterest expense to average assets | 5.4792% | 306 |
| Loan and lease loss provision to assets | 3.0068% | 314 |
| Net operating income to assets | -2.8525% | 7,264 |
| Return on assets (ROA) | -2.8525% | 7,282 |
| Pretax return on assets | -4.6017% | 7,510 |
| Return on Equity (ROE) | -17.4818% | 6,989 |
| Retained earnings to average equity (ytd only) | -17.4818% | 6,956 |
| Net charge-offs to loans | 3.0348% | 538 |
| Credit loss provision to net charge-offs | 133.1646% | 2,943 |
| Earnings coverage of net charge-offs (x) | -0.7063% | 6,530 |
| Efficiency ratio | 141.0596% | 254 |
| Assets per employee ($millions) | 4.6214% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8665% | 444 |
| Loan loss allowance to noncurrent loans | 53.1212% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 12.4049% | 255 |
| Noncurrent loans to loans | 7.2786% | 755 |
| Net loans and leases to total assets | 68.0185% | 2,978 |
| Net loans and leases to deposits | 80.4446% | 3,085 |
| Net loans and leases to core deposits | 82.7311% | 3,787 |
| Total domestic deposits to total assets | 84.5533% | 4,082 |
| Equity capital to assets | 15.3694% | 705 |
| Core capital (leverage) ratio | 15.1442% | 643 |
| Tier 1 risk-based capital ratio | 22.8998% | 1,052 |
| Total risk-based capital ratio | 24.1848% | 1,027 |
| Memoranda: | ||
| Average total assets | $34,987,000 | 7,046 |
| Average earning assets | $30,264,800 | 7,079 |
| Average equity | $5,708,800 | 6,456 |
| Average total loans | $26,031,400 | 6,616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5585% | 2,218 |
| Cost of funding earning assets | 1.2095% | 4,808 |
| Net interest margin | 4.3490% | 1,682 |
| Noninterest income to average assets | 0.5536% | 3,765 |
| Noninterest expense to average assets | 3.9498% | 1,116 |
| Loan and lease loss provision to assets | 2.3639% | 459 |
| Net operating income to assets | -1.2755% | 7,015 |
| Return on assets (ROA) | -1.2755% | 7,046 |
| Pretax return on assets | -2.0348% | 7,211 |
| Return on Equity (ROE) | -7.7153% | 6,823 |
| Retained earnings to average equity (ytd only) | -7.7153% | 6,752 |
| Net charge-offs to loans | 3.7339% | 349 |
| Credit loss provision to net charge-offs | 84.1545% | 4,991 |
| Earnings coverage of net charge-offs (x) | 0.1172% | 5,904 |
| Efficiency ratio | 92.3077% | 1,101 |
| Assets per employee ($millions) | 4.7049% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 2,174 |
| Loan loss allowance to noncurrent loans | 20.7493% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 13.6880% | 202 |
| Noncurrent loans to loans | 9.7261% | 450 |
| Net loans and leases to total assets | 74.3001% | 1,737 |
| Net loans and leases to deposits | 90.6330% | 1,633 |
| Net loans and leases to core deposits | 93.2368% | 2,629 |
| Total domestic deposits to total assets | 81.9791% | 5,003 |
| Equity capital to assets | 17.0918% | 506 |
| Core capital (leverage) ratio | 16.5666% | 485 |
| Tier 1 risk-based capital ratio | 21.5712% | 1,272 |
| Total risk-based capital ratio | 22.8281% | 1,249 |
| Memoranda: | ||
| Average total assets | $35,646,250 | 7,106 |
| Average earning assets | $30,535,000 | 7,155 |
| Average equity | $5,893,000 | 6,481 |
| Average total loans | $26,817,000 | 6,656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6576% | 1,916 |
| Cost of funding earning assets | 1.2899% | 4,596 |
| Net interest margin | 4.3677% | 1,543 |
| Noninterest income to average assets | 0.7661% | 2,297 |
| Noninterest expense to average assets | 3.7045% | 1,550 |
| Loan and lease loss provision to assets | 0.6129% | 2,342 |
| Net operating income to assets | 0.2791% | 5,263 |
| Return on assets (ROA) | 0.2791% | 5,413 |
| Pretax return on assets | 0.1915% | 5,787 |
| Return on Equity (ROE) | 1.7054% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.7054% | 5,022 |
| Net charge-offs to loans | 2.6976% | 612 |
| Credit loss provision to net charge-offs | 30.2703% | 5,732 |
| Earnings coverage of net charge-offs (x) | 0.3973% | 5,336 |
| Efficiency ratio | 82.1602% | 2,141 |
| Assets per employee ($millions) | 5.6493% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 4,441 |
| Loan loss allowance to noncurrent loans | 25.7586% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 11.1370% | 316 |
| Noncurrent loans to loans | 5.4237% | 1,222 |
| Net loans and leases to total assets | 76.0001% | 1,494 |
| Net loans and leases to deposits | 93.4487% | 1,346 |
| Net loans and leases to core deposits | 96.0694% | 2,430 |
| Total domestic deposits to total assets | 81.3282% | 5,280 |
| Equity capital to assets | 17.7632% | 441 |
| Core capital (leverage) ratio | 17.0446% | 435 |
| Tier 1 risk-based capital ratio | 22.1051% | 1,186 |
| Total risk-based capital ratio | 23.3571% | 1,161 |
| Memoranda: | ||
| Average total assets | $36,550,330 | 7,128 |
| Average earning assets | $31,320,670 | 7,180 |
| Average equity | $5,981,000 | 6,472 |
| Average total loans | $27,431,330 | 6,665 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6206% | 2,065 |
| Cost of funding earning assets | 1.3928% | 4,227 |
| Net interest margin | 4.2278% | 1,940 |
| Noninterest income to average assets | 0.6336% | 3,055 |
| Noninterest expense to average assets | 3.4321% | 2,149 |
| Loan and lease loss provision to assets | 1.1828% | 1,031 |
| Net operating income to assets | -0.1901% | 6,535 |
| Return on assets (ROA) | -0.1901% | 6,608 |
| Pretax return on assets | -0.3591% | 6,690 |
| Return on Equity (ROE) | -1.2079% | 6,547 |
| Retained earnings to average equity (ytd only) | -1.2079% | 6,081 |
| Net charge-offs to loans | 2.9056% | 532 |
| Credit loss provision to net charge-offs | 54.9020% | 4,401 |
| Earnings coverage of net charge-offs (x) | 0.3824% | 4,697 |
| Efficiency ratio | 80.6452% | 2,464 |
| Assets per employee ($millions) | 5.2749% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 2,411 |
| Loan loss allowance to noncurrent loans | 52.1611% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 9.4302% | 447 |
| Noncurrent loans to loans | 3.6612% | 2,175 |
| Net loans and leases to total assets | 73.8652% | 2,003 |
| Net loans and leases to deposits | 88.9795% | 2,067 |
| Net loans and leases to core deposits | 100.2757% | 2,103 |
| Total domestic deposits to total assets | 83.0138% | 4,619 |
| Equity capital to assets | 16.1196% | 652 |
| Core capital (leverage) ratio | 15.1786% | 716 |
| Tier 1 risk-based capital ratio | 20.3612% | 1,453 |
| Total risk-based capital ratio | 21.6167% | 1,417 |
| Memoranda: | ||
| Average total assets | $37,877,500 | 7,167 |
| Average earning assets | $32,452,000 | 7,222 |
| Average equity | $5,961,000 | 6,533 |
| Average total loans | $28,084,000 | 6,712 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 7,750 |
| Cost of funding earning assets | 2.0744% | 2,601 |
| Net interest margin | 1.7814% | 7,809 |
| Noninterest income to average assets | -2.3000% | 8,005 |
| Noninterest expense to average assets | 3.1001% | 3,745 |
| Loan and lease loss provision to assets | 6.4267% | 87 |
| Net operating income to assets | -6.8939% | 7,888 |
| Return on assets (ROA) | -6.8939% | 7,885 |
| Pretax return on assets | -10.3028% | 7,970 |
| Return on Equity (ROE) | -45.7327% | 7,636 |
| Retained earnings to average equity (ytd only) | -45.7327% | 7,625 |
| Net charge-offs to loans | 12.2527% | 20 |
| Credit loss provision to net charge-offs | 78.1326% | 6,334 |
| Earnings coverage of net charge-offs (x) | -0.4712% | 6,669 |
| Efficiency ratio | -399.4832% | 8,010 |
| Assets per employee ($millions) | 5.5473% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1965% | 1,656 |
| Loan loss allowance to noncurrent loans | 193.4783% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 9.4950% | 412 |
| Noncurrent loans to loans | 1.1353% | 5,060 |
| Net loans and leases to total assets | 71.4378% | 2,900 |
| Net loans and leases to deposits | 85.2411% | 3,042 |
| Net loans and leases to core deposits | 108.2790% | 3,074 |
| Total domestic deposits to total assets | 83.8068% | 4,123 |
| Equity capital to assets | 15.3743% | 827 |
| Core capital (leverage) ratio | 14.2598% | 937 |
| Tier 1 risk-based capital ratio | 19.3285% | 1,586 |
| Total risk-based capital ratio | 20.5879% | 1,543 |
| Memoranda: | ||
| Average total assets | $49,870,000 | 6,707 |
| Average earning assets | $42,662,400 | 6,831 |
| Average equity | $7,517,600 | 6,081 |
| Average total loans | $33,478,400 | 6,430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 7,943 |
| Cost of funding earning assets | 2.2087% | 2,369 |
| Net interest margin | 1.2241% | 7,991 |
| Noninterest income to average assets | -2.4422% | 8,088 |
| Noninterest expense to average assets | 2.9108% | 4,411 |
| Loan and lease loss provision to assets | 5.7583% | 118 |
| Net operating income to assets | -6.5057% | 7,953 |
| Return on assets (ROA) | -6.5057% | 7,953 |
| Pretax return on assets | -10.0625% | 8,044 |
| Return on Equity (ROE) | -43.3160% | 7,783 |
| Retained earnings to average equity (ytd only) | -43.3160% | 7,780 |
| Net charge-offs to loans | 12.3751% | 28 |
| Credit loss provision to net charge-offs | 70.4588% | 5,977 |
| Earnings coverage of net charge-offs (x) | -0.5267% | 6,483 |
| Efficiency ratio | -208.9091% | 8,089 |
| Assets per employee ($millions) | 7.0946% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,050 |
| Loan loss allowance to noncurrent loans | 16.0124% | 7,285 |
| Noncurrent assets plus other real estate owned to assets | 13.5093% | 165 |
| Noncurrent loans to loans | 11.8341% | 281 |
| Net loans and leases to total assets | 59.1096% | 5,727 |
| Net loans and leases to deposits | 68.6297% | 6,072 |
| Net loans and leases to core deposits | 78.9601% | 6,423 |
| Total domestic deposits to total assets | 86.1282% | 2,629 |
| Equity capital to assets | 13.7731% | 1,387 |
| Core capital (leverage) ratio | 14.6492% | 925 |
| Tier 1 risk-based capital ratio | 21.3004% | 1,326 |
| Total risk-based capital ratio | 22.5554% | 1,298 |
| Memoranda: | ||
| Average total assets | $52,629,750 | 6,654 |
| Average earning assets | $45,093,000 | 6,772 |
| Average equity | $7,904,500 | 6,016 |
| Average total loans | $34,757,250 | 6,411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9960% | 8,078 |
| Cost of funding earning assets | 2.3871% | 2,018 |
| Net interest margin | 0.6088% | 8,136 |
| Noninterest income to average assets | -3.5473% | 8,190 |
| Noninterest expense to average assets | 2.7602% | 5,130 |
| Loan and lease loss provision to assets | 7.5384% | 81 |
| Net operating income to assets | -8.4746% | 8,085 |
| Return on assets (ROA) | -8.4746% | 8,079 |
| Pretax return on assets | -13.3274% | 8,147 |
| Return on Equity (ROE) | -55.0166% | 7,951 |
| Retained earnings to average equity (ytd only) | -55.0166% | 7,948 |
| Net charge-offs to loans | 17.5919% | 16 |
| Credit loss provision to net charge-offs | 63.1760% | 5,537 |
| Earnings coverage of net charge-offs (x) | -0.4852% | 6,068 |
| Efficiency ratio | -91.1330% | 8,176 |
| Assets per employee ($millions) | 7.0959% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 5,882 |
| Loan loss allowance to noncurrent loans | 12.4048% | 7,443 |
| Noncurrent assets plus other real estate owned to assets | 13.8290% | 127 |
| Noncurrent loans to loans | 8.4982% | 488 |
| Net loans and leases to total assets | 64.6252% | 4,851 |
| Net loans and leases to deposits | 75.5579% | 5,235 |
| Net loans and leases to core deposits | 85.7166% | 5,931 |
| Total domestic deposits to total assets | 85.5308% | 3,003 |
| Equity capital to assets | 14.3665% | 1,202 |
| Core capital (leverage) ratio | 13.8941% | 1,164 |
| Tier 1 risk-based capital ratio | 20.0062% | 1,583 |
| Total risk-based capital ratio | 20.9650% | 1,591 |
| Memoranda: | ||
| Average total assets | $53,619,000 | 6,682 |
| Average earning assets | $45,661,330 | 6,810 |
| Average equity | $8,259,330 | 5,933 |
| Average total loans | $36,369,000 | 6,387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 8,033 |
| Cost of funding earning assets | 2.5096% | 1,885 |
| Net interest margin | 1.3141% | 8,106 |
| Noninterest income to average assets | 0.3885% | 5,310 |
| Noninterest expense to average assets | 2.6622% | 5,173 |
| Loan and lease loss provision to assets | 7.2887% | 88 |
| Net operating income to assets | -8.4471% | 8,153 |
| Return on assets (ROA) | -8.4471% | 8,144 |
| Pretax return on assets | -8.4471% | 8,127 |
| Return on Equity (ROE) | -53.2366% | 8,060 |
| Retained earnings to average equity (ytd only) | -53.2366% | 8,041 |
| Net charge-offs to loans | 15.3499% | 26 |
| Credit loss provision to net charge-offs | 68.8647% | 4,376 |
| Earnings coverage of net charge-offs (x) | -0.1094% | 5,084 |
| Efficiency ratio | 177.0335% | 252 |
| Assets per employee ($millions) | 6.7070% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9258% | 513 |
| Loan loss allowance to noncurrent loans | 28.0211% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 19.4759% | 36 |
| Noncurrent loans to loans | 10.4413% | 260 |
| Net loans and leases to total assets | 65.6702% | 4,655 |
| Net loans and leases to deposits | 77.6654% | 4,979 |
| Net loans and leases to core deposits | 85.7344% | 5,927 |
| Total domestic deposits to total assets | 84.5553% | 3,434 |
| Equity capital to assets | 15.3459% | 1,002 |
| Core capital (leverage) ratio | 15.1852% | 927 |
| Tier 1 risk-based capital ratio | 20.5598% | 1,513 |
| Total risk-based capital ratio | 21.8283% | 1,485 |
| Memoranda: | ||
| Average total assets | $55,593,000 | 6,645 |
| Average earning assets | $47,179,000 | 6,787 |
| Average equity | $8,821,000 | 5,768 |
| Average total loans | $38,332,500 | 6,311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 7,574 |
| Cost of funding earning assets | 2.9398% | 2,097 |
| Net interest margin | 2.3842% | 7,863 |
| Noninterest income to average assets | -0.3191% | 8,247 |
| Noninterest expense to average assets | 2.3507% | 6,565 |
| Loan and lease loss provision to assets | 3.7676% | 185 |
| Net operating income to assets | -2.6420% | 7,744 |
| Return on assets (ROA) | -2.6420% | 7,714 |
| Pretax return on assets | -4.2141% | 7,930 |
| Return on Equity (ROE) | -16.1811% | 7,634 |
| Retained earnings to average equity (ytd only) | -20.7710% | 7,698 |
| Net charge-offs to loans | 3.7828% | 193 |
| Credit loss provision to net charge-offs | 135.7595% | 3,927 |
| Earnings coverage of net charge-offs (x) | -0.1609% | 6,354 |
| Efficiency ratio | 123.4435% | 538 |
| Assets per employee ($millions) | 7.1913% | 646 |
| Cash dividends to net income (ytd only)* | -28.3657% | 7,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7655% | 224 |
| Loan loss allowance to noncurrent loans | 38.3838% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 13.8432% | 72 |
| Noncurrent loans to loans | 9.8100% | 218 |
| Net loans and leases to total assets | 67.5248% | 4,551 |
| Net loans and leases to deposits | 80.8336% | 4,900 |
| Net loans and leases to core deposits | 88.7972% | 5,910 |
| Total domestic deposits to total assets | 83.5355% | 3,562 |
| Equity capital to assets | 16.3532% | 872 |
| Core capital (leverage) ratio | 15.0562% | 1,017 |
| Tier 1 risk-based capital ratio | 22.7208% | 1,225 |
| Total risk-based capital ratio | 24.0008% | 1,192 |
| Memoranda: | ||
| Average total assets | $68,319,000 | 6,082 |
| Average earning assets | $63,711,600 | 6,031 |
| Average equity | $11,155,000 | 5,083 |
| Average total loans | $50,121,600 | 5,698 |