Home > First Trust and Savings Bank > Performance and Condition Ratios
First Trust and Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 4,410 |
| Cost of funding earning assets | 1.9160% | 1,045 |
| Net interest margin | 1.5317% | 4,503 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.3732% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.5053% | 4,506 |
| Return on assets (ROA) | -0.6172% | 4,501 |
| Pretax return on assets | -1.0121% | 4,520 |
| Return on Equity (ROE) | -12.0300% | 4,513 |
| Retained earnings to average equity (ytd only) | -12.0277% | 4,480 |
| Net charge-offs to loans | 0.0455% | 1,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -105.8000% | 4,591 |
| Efficiency ratio | 157.9409% | 36 |
| Assets per employee ($millions) | 7.1609% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,428 |
| Loan loss allowance to noncurrent loans | 49.7817% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 1,389 |
| Noncurrent loans to loans | 1.9630% | 296 |
| Net loans and leases to total assets | 20.1700% | 4,401 |
| Net loans and leases to deposits | 23.3044% | 4,409 |
| Net loans and leases to core deposits | 24.1977% | 4,438 |
| Total domestic deposits to total assets | 86.5300% | 1,848 |
| Equity capital to assets | 6.2824% | 4,169 |
| Core capital (leverage) ratio | 10.1390% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0806% | 782 |
| Memoranda: | ||
| Average total assets | $60,762,000 | 4,207 |
| Average earning assets | $55,168,000 | 4,193 |
| Average equity | $3,117,800 | 4,419 |
| Average total loans | $10,977,400 | 4,405 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4036% | 4,416 |
| Cost of funding earning assets | 1.8498% | 929 |
| Net interest margin | 1.5538% | 4,517 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.3126% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.7983% | 4,558 |
| Return on assets (ROA) | -1.0276% | 4,565 |
| Pretax return on assets | -1.0276% | 4,556 |
| Return on Equity (ROE) | -21.1300% | 4,574 |
| Retained earnings to average equity (ytd only) | -21.1282% | 4,554 |
| Net charge-offs to loans | 0.0617% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -73.8000% | 4,624 |
| Efficiency ratio | 152.7143% | 41 |
| Assets per employee ($millions) | 6.4600% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,157 |
| Loan loss allowance to noncurrent loans | 46.5306% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 1,378 |
| Noncurrent loans to loans | 2.2336% | 240 |
| Net loans and leases to total assets | 18.6700% | 4,441 |
| Net loans and leases to deposits | 25.3302% | 4,421 |
| Net loans and leases to core deposits | 26.6106% | 4,412 |
| Total domestic deposits to total assets | 73.7100% | 4,177 |
| Equity capital to assets | 4.3963% | 4,348 |
| Core capital (leverage) ratio | 9.8495% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5626% | 876 |
| Memoranda: | ||
| Average total assets | $61,630,750 | 4,212 |
| Average earning assets | $55,860,250 | 4,208 |
| Average equity | $2,997,500 | 4,445 |
| Average total loans | $10,805,250 | 4,430 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3725% | 4,432 |
| Cost of funding earning assets | 1.5384% | 1,178 |
| Net interest margin | 1.8341% | 4,531 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.2932% | 2,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.5287% | 4,570 |
| Return on assets (ROA) | -0.8727% | 4,586 |
| Pretax return on assets | -0.8727% | 4,580 |
| Return on Equity (ROE) | -17.4300% | 4,605 |
| Retained earnings to average equity (ytd only) | -17.4263% | 4,570 |
| Net charge-offs to loans | 0.0930% | 705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -33.2000% | 4,647 |
| Efficiency ratio | 129.9639% | 55 |
| Assets per employee ($millions) | 6.1211% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,335 |
| Loan loss allowance to noncurrent loans | 46.5306% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 1,330 |
| Noncurrent loans to loans | 2.1959% | 231 |
| Net loans and leases to total assets | 18.0400% | 4,469 |
| Net loans and leases to deposits | 20.3265% | 4,474 |
| Net loans and leases to core deposits | 22.7850% | 4,457 |
| Total domestic deposits to total assets | 88.7600% | 1,326 |
| Equity capital to assets | 4.8423% | 4,400 |
| Core capital (leverage) ratio | 9.6716% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7185% | 853 |
| Memoranda: | ||
| Average total assets | $62,794,333 | 4,221 |
| Average earning assets | $56,812,000 | 4,223 |
| Average equity | $3,144,667 | 4,460 |
| Average total loans | $10,750,667 | 4,460 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2102% | 4,485 |
| Cost of funding earning assets | 1.4275% | 975 |
| Net interest margin | 1.7827% | 4,607 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.3276% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.5850% | 4,594 |
| Return on assets (ROA) | -1.2644% | 4,626 |
| Pretax return on assets | -1.2644% | 4,619 |
| Return on Equity (ROE) | -24.8500% | 4,640 |
| Retained earnings to average equity (ytd only) | -24.8532% | 4,623 |
| Net charge-offs to loans | 0.1896% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -18.6000% | 4,670 |
| Efficiency ratio | 133.5740% | 53 |
| Assets per employee ($millions) | 6.5958% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,095 |
| Loan loss allowance to noncurrent loans | 41.6058% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 1,099 |
| Noncurrent loans to loans | 2.6253% | 179 |
| Net loans and leases to total assets | 17.3900% | 4,540 |
| Net loans and leases to deposits | 18.6913% | 4,548 |
| Net loans and leases to core deposits | 21.5574% | 4,529 |
| Total domestic deposits to total assets | 93.0400% | 302 |
| Equity capital to assets | 5.6029% | 4,317 |
| Core capital (leverage) ratio | 10.0283% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8200% | 757 |
| Memoranda: | ||
| Average total assets | $63,586,000 | 4,269 |
| Average earning assets | $58,563,500 | 4,254 |
| Average equity | $3,235,000 | 4,516 |
| Average total loans | $10,547,500 | 4,527 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7216% | 4,390 |
| Cost of funding earning assets | 0.6825% | 635 |
| Net interest margin | 2.0391% | 4,549 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.1475% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1256% | 4,494 |
| Return on assets (ROA) | 0.1378% | 4,476 |
| Pretax return on assets | -0.0712% | 4,566 |
| Return on Equity (ROE) | 2.1300% | 4,376 |
| Retained earnings to average equity (ytd only) | 0.2152% | 4,311 |
| Net charge-offs to loans | 0.3086% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -1.8667% | 4,682 |
| Efficiency ratio | 104.2074% | 121 |
| Assets per employee ($millions) | 7.5344% | 1,597 |
| Cash dividends to net income (ytd only)* | 89.8876% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 2,813 |
| Loan loss allowance to noncurrent loans | 41.6084% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 1,221 |
| Noncurrent loans to loans | 2.6834% | 170 |
| Net loans and leases to total assets | 15.5400% | 4,583 |
| Net loans and leases to deposits | 17.4663% | 4,581 |
| Net loans and leases to core deposits | 19.8845% | 4,560 |
| Total domestic deposits to total assets | 88.9800% | 1,724 |
| Equity capital to assets | 4.6365% | 4,445 |
| Core capital (leverage) ratio | 9.1266% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5366% | 892 |
| Memoranda: | ||
| Average total assets | $64,587,400 | 4,287 |
| Average earning assets | $59,193,600 | 4,275 |
| Average equity | $4,182,600 | 4,513 |
| Average total loans | $9,720,800 | 4,563 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5932% | 4,399 |
| Cost of funding earning assets | 0.4231% | 1,136 |
| Net interest margin | 2.1701% | 4,480 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.0883% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0999% | 4,545 |
| Return on assets (ROA) | 0.1171% | 4,508 |
| Pretax return on assets | 0.1421% | 4,498 |
| Return on Equity (ROE) | 1.6800% | 4,429 |
| Retained earnings to average equity (ytd only) | 1.6808% | 4,088 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.5128% | 223 |
| Assets per employee ($millions) | 7.1216% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,562 |
| Loan loss allowance to noncurrent loans | 25.9130% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 534 |
| Noncurrent loans to loans | 5.4564% | 47 |
| Net loans and leases to total assets | 16.2100% | 4,615 |
| Net loans and leases to deposits | 18.8463% | 4,615 |
| Net loans and leases to core deposits | 23.0728% | 4,586 |
| Total domestic deposits to total assets | 86.0100% | 3,067 |
| Equity capital to assets | 4.5059% | 4,396 |
| Core capital (leverage) ratio | 10.0656% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1066% | 721 |
| Memoranda: | ||
| Average total assets | $63,781,750 | 4,333 |
| Average earning assets | $58,305,000 | 4,316 |
| Average equity | $4,442,250 | 4,529 |
| Average total loans | $9,486,500 | 4,605 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4629% | 4,409 |
| Cost of funding earning assets | 0.2607% | 2,134 |
| Net interest margin | 2.2022% | 4,428 |
| Noninterest income to average assets | 0.1288% | 4,358 |
| Noninterest expense to average assets | 2.1169% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0111% | 4,573 |
| Return on assets (ROA) | 0.0408% | 4,526 |
| Pretax return on assets | 0.0660% | 4,508 |
| Return on Equity (ROE) | 0.5242% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.5242% | 4,087 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6823% | 208 |
| Assets per employee ($millions) | 6.1585% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 878 |
| Loan loss allowance to noncurrent loans | 20.1080% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 349 |
| Noncurrent loans to loans | 8.6880% | 18 |
| Net loans and leases to total assets | 13.6072% | 4,692 |
| Net loans and leases to deposits | 14.5577% | 4,701 |
| Net loans and leases to core deposits | 16.7372% | 4,686 |
| Total domestic deposits to total assets | 93.4708% | 400 |
| Equity capital to assets | 5.2545% | 4,425 |
| Core capital (leverage) ratio | 9.5570% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1804% | 693 |
| Memoranda: | ||
| Average total assets | $63,677,667 | 4,375 |
| Average earning assets | $58,304,333 | 4,374 |
| Average equity | $4,960,333 | 4,524 |
| Average total loans | $9,136,000 | 4,673 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2706% | 4,477 |
| Cost of funding earning assets | 0.1608% | 3,356 |
| Net interest margin | 2.1098% | 4,434 |
| Noninterest income to average assets | 0.1051% | 4,482 |
| Noninterest expense to average assets | 2.1692% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1174% | 4,609 |
| Return on assets (ROA) | -0.1174% | 4,591 |
| Pretax return on assets | -0.1174% | 4,582 |
| Return on Equity (ROE) | -1.3053% | 4,604 |
| Retained earnings to average equity (ytd only) | -1.3053% | 4,172 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7229% | 169 |
| Assets per employee ($millions) | 6.3719% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 1,324 |
| Loan loss allowance to noncurrent loans | 41.7367% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 1,074 |
| Noncurrent loans to loans | 3.7870% | 111 |
| Net loans and leases to total assets | 14.5608% | 4,715 |
| Net loans and leases to deposits | 17.0746% | 4,712 |
| Net loans and leases to core deposits | 19.1635% | 4,701 |
| Total domestic deposits to total assets | 85.2775% | 3,475 |
| Equity capital to assets | 7.8156% | 3,717 |
| Core capital (leverage) ratio | 10.2296% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4973% | 697 |
| Memoranda: | ||
| Average total assets | $64,724,000 | 4,382 |
| Average earning assets | $59,720,000 | 4,383 |
| Average equity | $5,822,500 | 4,486 |
| Average total loans | $9,439,500 | 4,691 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1144% | 3,657 |
| Cost of funding earning assets | 0.2299% | 3,135 |
| Net interest margin | 2.8844% | 3,483 |
| Noninterest income to average assets | 0.1054% | 4,584 |
| Noninterest expense to average assets | 2.2089% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6131% | 3,843 |
| Return on assets (ROA) | 0.6309% | 3,852 |
| Pretax return on assets | 0.6001% | 4,108 |
| Return on Equity (ROE) | 5.7889% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.5984% | 2,967 |
| Net charge-offs to loans | 0.0099% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 359.0000% | 354 |
| Efficiency ratio | 79.1400% | 863 |
| Assets per employee ($millions) | 6.5729% | 2,271 |
| Cash dividends to net income (ytd only)* | 20.5656% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 1,313 |
| Loan loss allowance to noncurrent loans | 43.1884% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 1,274 |
| Noncurrent loans to loans | 3.6500% | 133 |
| Net loans and leases to total assets | 14.1536% | 4,759 |
| Net loans and leases to deposits | 15.9590% | 4,765 |
| Net loans and leases to core deposits | 18.1969% | 4,755 |
| Total domestic deposits to total assets | 88.6869% | 1,673 |
| Equity capital to assets | 10.1401% | 2,530 |
| Core capital (leverage) ratio | 10.3296% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2849% | 621 |
| Memoranda: | ||
| Average total assets | $61,658,400 | 4,433 |
| Average earning assets | $57,411,600 | 4,420 |
| Average equity | $6,719,800 | 4,454 |
| Average total loans | $10,110,800 | 4,726 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 3,005 |
| Cost of funding earning assets | 0.2518% | 3,104 |
| Net interest margin | 3.1818% | 2,787 |
| Noninterest income to average assets | 0.1033% | 4,656 |
| Noninterest expense to average assets | 2.1371% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9366% | 3,131 |
| Return on assets (ROA) | 0.9586% | 3,132 |
| Pretax return on assets | 0.9608% | 3,560 |
| Return on Equity (ROE) | 8.6332% | 3,217 |
| Retained earnings to average equity (ytd only) | 8.6332% | 1,821 |
| Net charge-offs to loans | 0.0130% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 337 |
| Efficiency ratio | 69.4782% | 1,659 |
| Assets per employee ($millions) | 5.9854% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 1,210 |
| Loan loss allowance to noncurrent loans | 23.7640% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0475% | 619 |
| Noncurrent loans to loans | 6.9659% | 39 |
| Net loans and leases to total assets | 14.7893% | 4,830 |
| Net loans and leases to deposits | 17.8385% | 4,829 |
| Net loans and leases to core deposits | 21.0471% | 4,816 |
| Total domestic deposits to total assets | 82.9067% | 3,729 |
| Equity capital to assets | 11.6584% | 1,568 |
| Core capital (leverage) ratio | 10.7153% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8895% | 492 |
| Memoranda: | ||
| Average total assets | $60,640,750 | 4,506 |
| Average earning assets | $56,654,750 | 4,488 |
| Average equity | $6,733,500 | 4,517 |
| Average total loans | $10,275,500 | 4,795 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 1,593 |
| Cost of funding earning assets | 0.2707% | 3,081 |
| Net interest margin | 3.7159% | 1,311 |
| Noninterest income to average assets | 0.0985% | 4,693 |
| Noninterest expense to average assets | 2.1181% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4515% | 1,415 |
| Return on assets (ROA) | 1.4515% | 1,487 |
| Pretax return on assets | 1.4515% | 2,172 |
| Return on Equity (ROE) | 13.2892% | 1,628 |
| Retained earnings to average equity (ytd only) | 13.2892% | 671 |
| Net charge-offs to loans | 0.0187% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 294 |
| Efficiency ratio | 59.3376% | 3,108 |
| Assets per employee ($millions) | 6.4434% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,989 |
| Loan loss allowance to noncurrent loans | 20.2997% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1392% | 624 |
| Noncurrent loans to loans | 6.8804% | 43 |
| Net loans and leases to total assets | 16.3252% | 4,859 |
| Net loans and leases to deposits | 20.7251% | 4,852 |
| Net loans and leases to core deposits | 22.7335% | 4,842 |
| Total domestic deposits to total assets | 78.7705% | 4,364 |
| Equity capital to assets | 10.7164% | 2,214 |
| Core capital (leverage) ratio | 10.2526% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1301% | 534 |
| Memoranda: | ||
| Average total assets | $60,903,000 | 4,528 |
| Average earning assets | $56,890,000 | 4,513 |
| Average equity | $6,652,000 | 4,555 |
| Average total loans | $10,700,333 | 4,828 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 1,187 |
| Cost of funding earning assets | 0.2835% | 3,161 |
| Net interest margin | 3.9260% | 945 |
| Noninterest income to average assets | 0.0947% | 4,708 |
| Noninterest expense to average assets | 2.3133% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4339% | 1,484 |
| Return on assets (ROA) | 1.4339% | 1,557 |
| Pretax return on assets | 1.4339% | 2,186 |
| Return on Equity (ROE) | 12.9952% | 1,674 |
| Retained earnings to average equity (ytd only) | 12.9952% | 916 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7329% | 2,800 |
| Assets per employee ($millions) | 6.9492% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,339 |
| Loan loss allowance to noncurrent loans | 38.8601% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 1,540 |
| Noncurrent loans to loans | 3.4009% | 206 |
| Net loans and leases to total assets | 17.9077% | 4,876 |
| Net loans and leases to deposits | 22.0633% | 4,869 |
| Net loans and leases to core deposits | 25.1697% | 4,851 |
| Total domestic deposits to total assets | 81.1650% | 4,043 |
| Equity capital to assets | 10.4280% | 2,339 |
| Core capital (leverage) ratio | 11.1971% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8994% | 412 |
| Memoranda: | ||
| Average total assets | $59,137,500 | 4,566 |
| Average earning assets | $55,018,500 | 4,548 |
| Average equity | $6,525,500 | 4,583 |
| Average total loans | $10,716,500 | 4,851 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0068% | 4,624 |
| Cost of funding earning assets | 0.6166% | 2,202 |
| Net interest margin | 2.3902% | 4,661 |
| Noninterest income to average assets | 0.1072% | 4,722 |
| Noninterest expense to average assets | 2.5015% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0555% | 4,761 |
| Return on assets (ROA) | 0.3328% | 4,452 |
| Pretax return on assets | 0.2015% | 4,647 |
| Return on Equity (ROE) | 2.8322% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.5735% | 4,004 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0671% | 126 |
| Assets per employee ($millions) | 6.1924% | 2,175 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 1,630 |
| Loan loss allowance to noncurrent loans | 38.8601% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 1,502 |
| Noncurrent loans to loans | 3.8282% | 157 |
| Net loans and leases to total assets | 17.8228% | 4,898 |
| Net loans and leases to deposits | 20.9446% | 4,900 |
| Net loans and leases to core deposits | 22.9299% | 4,891 |
| Total domestic deposits to total assets | 85.0947% | 2,725 |
| Equity capital to assets | 11.7150% | 1,725 |
| Core capital (leverage) ratio | 10.8963% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0903% | 577 |
| Memoranda: | ||
| Average total assets | $54,087,200 | 4,599 |
| Average earning assets | $49,953,600 | 4,584 |
| Average equity | $6,355,400 | 4,598 |
| Average total loans | $11,180,600 | 4,873 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0801% | 4,680 |
| Cost of funding earning assets | 0.6944% | 2,055 |
| Net interest margin | 2.3857% | 4,733 |
| Noninterest income to average assets | 0.1068% | 4,733 |
| Noninterest expense to average assets | 2.4591% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.1590% | 4,830 |
| Return on assets (ROA) | 0.0820% | 4,745 |
| Pretax return on assets | 0.0820% | 4,739 |
| Return on Equity (ROE) | 0.6971% | 4,737 |
| Retained earnings to average equity (ytd only) | 0.6971% | 4,338 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9114% | 124 |
| Assets per employee ($millions) | 6.3546% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 2,144 |
| Loan loss allowance to noncurrent loans | 35.9712% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 1,604 |
| Noncurrent loans to loans | 3.6201% | 210 |
| Net loans and leases to total assets | 19.8790% | 4,927 |
| Net loans and leases to deposits | 27.1602% | 4,910 |
| Net loans and leases to core deposits | 31.7251% | 4,892 |
| Total domestic deposits to total assets | 73.1916% | 4,622 |
| Equity capital to assets | 11.4651% | 2,033 |
| Core capital (leverage) ratio | 10.6294% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0659% | 406 |
| Memoranda: | ||
| Average total assets | $53,676,000 | 4,622 |
| Average earning assets | $49,348,000 | 4,618 |
| Average equity | $6,312,000 | 4,630 |
| Average total loans | $11,455,000 | 4,900 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1273% | 4,775 |
| Cost of funding earning assets | 0.7985% | 1,836 |
| Net interest margin | 2.3289% | 4,825 |
| Noninterest income to average assets | 0.1143% | 4,724 |
| Noninterest expense to average assets | 2.5712% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.3238% | 4,883 |
| Return on assets (ROA) | -0.1638% | 4,854 |
| Pretax return on assets | -0.1638% | 4,838 |
| Return on Equity (ROE) | -1.3803% | 4,858 |
| Retained earnings to average equity (ytd only) | -1.3803% | 4,525 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4068% | 104 |
| Assets per employee ($millions) | 5.3831% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 1,930 |
| Loan loss allowance to noncurrent loans | 37.2208% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 1,801 |
| Noncurrent loans to loans | 3.5304% | 222 |
| Net loans and leases to total assets | 19.0242% | 4,966 |
| Net loans and leases to deposits | 25.0578% | 4,958 |
| Net loans and leases to core deposits | 27.5522% | 4,947 |
| Total domestic deposits to total assets | 75.9212% | 4,435 |
| Equity capital to assets | 10.9771% | 2,362 |
| Core capital (leverage) ratio | 10.9763% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9607% | 453 |
| Memoranda: | ||
| Average total assets | $52,504,333 | 4,655 |
| Average earning assets | $48,092,333 | 4,651 |
| Average equity | $6,230,333 | 4,658 |
| Average total loans | $11,433,667 | 4,932 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0554% | 4,930 |
| Cost of funding earning assets | 0.9326% | 1,727 |
| Net interest margin | 2.1228% | 4,986 |
| Noninterest income to average assets | 0.1384% | 4,672 |
| Noninterest expense to average assets | 2.8566% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.7732% | 4,965 |
| Return on assets (ROA) | -0.7162% | 4,941 |
| Pretax return on assets | -0.7162% | 4,924 |
| Return on Equity (ROE) | -5.7748% | 4,941 |
| Retained earnings to average equity (ytd only) | -5.7748% | 4,573 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.1094% | 71 |
| Assets per employee ($millions) | 4.9146% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,195 |
| Loan loss allowance to noncurrent loans | 33.2594% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 1,457 |
| Noncurrent loans to loans | 3.8726% | 206 |
| Net loans and leases to total assets | 23.3915% | 4,980 |
| Net loans and leases to deposits | 30.5493% | 4,969 |
| Net loans and leases to core deposits | 31.8775% | 4,966 |
| Total domestic deposits to total assets | 76.5698% | 4,414 |
| Equity capital to assets | 12.1821% | 1,932 |
| Core capital (leverage) ratio | 12.7486% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6384% | 343 |
| Memoranda: | ||
| Average total assets | $49,149,500 | 4,724 |
| Average earning assets | $45,035,500 | 4,721 |
| Average equity | $6,095,500 | 4,709 |
| Average total loans | $11,443,000 | 4,975 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,615 |
| Cost of funding earning assets | 1.0864% | 1,381 |
| Net interest margin | 2.6797% | 4,850 |
| Noninterest income to average assets | 0.1351% | 4,798 |
| Noninterest expense to average assets | 2.6266% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0686% | 4,944 |
| Return on assets (ROA) | 0.1410% | 4,918 |
| Pretax return on assets | 0.0353% | 4,967 |
| Return on Equity (ROE) | 1.1717% | 4,893 |
| Retained earnings to average equity (ytd only) | -0.1302% | 4,720 |
| Net charge-offs to loans | 0.4455% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -0.3519% | 3,642 |
| Efficiency ratio | 101.4372% | 148 |
| Assets per employee ($millions) | 4.9153% | 2,692 |
| Cash dividends to net income (ytd only)* | 111.1111% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 1,772 |
| Loan loss allowance to noncurrent loans | 33.9367% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 1,412 |
| Noncurrent loans to loans | 3.9324% | 181 |
| Net loans and leases to total assets | 22.5622% | 5,052 |
| Net loans and leases to deposits | 28.5633% | 5,046 |
| Net loans and leases to core deposits | 29.7630% | 5,048 |
| Total domestic deposits to total assets | 78.9901% | 4,189 |
| Equity capital to assets | 12.6218% | 1,756 |
| Core capital (leverage) ratio | 12.5888% | 1,434 |
| Tier 1 risk-based capital ratio | 29.9823% | 473 |
| Total risk-based capital ratio | 30.7200% | 483 |
| Memoranda: | ||
| Average total assets | $51,054,600 | 4,732 |
| Average earning assets | $46,758,200 | 4,733 |
| Average equity | $6,145,000 | 4,740 |
| Average total loans | $12,120,200 | 5,028 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,585 |
| Cost of funding earning assets | 1.1022% | 1,343 |
| Net interest margin | 2.7626% | 4,884 |
| Noninterest income to average assets | 0.1345% | 4,859 |
| Noninterest expense to average assets | 2.5512% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1190% | 5,006 |
| Return on assets (ROA) | 0.0724% | 5,052 |
| Pretax return on assets | 0.0724% | 5,052 |
| Return on Equity (ROE) | 0.6089% | 5,043 |
| Retained earnings to average equity (ytd only) | 0.6089% | 4,643 |
| Net charge-offs to loans | 0.5835% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.8518% | 3,340 |
| Efficiency ratio | 95.5426% | 207 |
| Assets per employee ($millions) | 4.6103% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 1,954 |
| Loan loss allowance to noncurrent loans | 30.8008% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 1,252 |
| Noncurrent loans to loans | 4.2282% | 152 |
| Net loans and leases to total assets | 24.6578% | 5,125 |
| Net loans and leases to deposits | 33.9404% | 5,090 |
| Net loans and leases to core deposits | 34.7847% | 5,094 |
| Total domestic deposits to total assets | 72.6504% | 4,888 |
| Equity capital to assets | 13.7453% | 1,257 |
| Core capital (leverage) ratio | 12.7070% | 1,481 |
| Tier 1 risk-based capital ratio | 26.2736% | 690 |
| Total risk-based capital ratio | 26.9163% | 712 |
| Memoranda: | ||
| Average total assets | $51,530,000 | 4,793 |
| Average earning assets | $47,296,750 | 4,790 |
| Average equity | $6,130,250 | 4,805 |
| Average total loans | $12,340,250 | 5,104 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 4,590 |
| Cost of funding earning assets | 1.0768% | 1,394 |
| Net interest margin | 2.8021% | 4,927 |
| Noninterest income to average assets | 0.1350% | 4,894 |
| Noninterest expense to average assets | 2.4860% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2250% | 4,968 |
| Return on assets (ROA) | 0.1162% | 5,059 |
| Pretax return on assets | 0.1162% | 5,063 |
| Return on Equity (ROE) | 1.0229% | 5,046 |
| Retained earnings to average equity (ytd only) | 1.0229% | 4,428 |
| Net charge-offs to loans | -0.0159% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7012% | 286 |
| Assets per employee ($millions) | 5.3741% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 781 |
| Loan loss allowance to noncurrent loans | 29.0780% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 957 |
| Noncurrent loans to loans | 5.9214% | 67 |
| Net loans and leases to total assets | 21.7729% | 5,195 |
| Net loans and leases to deposits | 28.3434% | 5,182 |
| Net loans and leases to core deposits | 28.7678% | 5,189 |
| Total domestic deposits to total assets | 76.8184% | 4,583 |
| Equity capital to assets | 11.8271% | 2,322 |
| Core capital (leverage) ratio | 11.3162% | 2,324 |
| Tier 1 risk-based capital ratio | 23.1407% | 936 |
| Total risk-based capital ratio | 23.9139% | 961 |
| Memoranda: | ||
| Average total assets | $53,339,000 | 4,799 |
| Average earning assets | $49,034,000 | 4,788 |
| Average equity | $6,061,330 | 4,845 |
| Average total loans | $12,614,330 | 5,143 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 4,596 |
| Cost of funding earning assets | 1.0139% | 1,513 |
| Net interest margin | 2.8618% | 4,924 |
| Noninterest income to average assets | 0.1430% | 4,880 |
| Noninterest expense to average assets | 2.5594% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2183% | 4,998 |
| Return on assets (ROA) | 0.1731% | 5,038 |
| Pretax return on assets | 0.1731% | 5,053 |
| Return on Equity (ROE) | 1.5556% | 5,019 |
| Retained earnings to average equity (ytd only) | 1.5556% | 4,185 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1409% | 321 |
| Assets per employee ($millions) | 5.1641% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,127 |
| Loan loss allowance to noncurrent loans | 41.5479% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 1,480 |
| Noncurrent loans to loans | 3.7798% | 222 |
| Net loans and leases to total assets | 24.7594% | 5,221 |
| Net loans and leases to deposits | 31.7215% | 5,197 |
| Net loans and leases to core deposits | 32.5054% | 5,206 |
| Total domestic deposits to total assets | 78.0523% | 4,506 |
| Equity capital to assets | 11.7291% | 2,204 |
| Core capital (leverage) ratio | 11.7513% | 1,938 |
| Tier 1 risk-based capital ratio | 21.1210% | 1,147 |
| Total risk-based capital ratio | 21.8243% | 1,212 |
| Memoranda: | ||
| Average total assets | $53,138,000 | 4,851 |
| Average earning assets | $48,920,500 | 4,841 |
| Average equity | $5,914,000 | 4,902 |
| Average total loans | $12,968,500 | 5,191 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,738 |
| Cost of funding earning assets | 0.8864% | 1,147 |
| Net interest margin | 2.7641% | 5,056 |
| Noninterest income to average assets | 0.1475% | 4,974 |
| Noninterest expense to average assets | 2.4689% | 3,700 |
| Loan and lease loss provision to assets | -0.0910% | 5,257 |
| Net operating income to assets | 0.4006% | 4,866 |
| Return on assets (ROA) | 0.3805% | 4,889 |
| Pretax return on assets | 0.2931% | 5,051 |
| Return on Equity (ROE) | 3.6304% | 4,789 |
| Retained earnings to average equity (ytd only) | 2.2408% | 4,260 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7456% | 287 |
| Assets per employee ($millions) | 5.4635% | 1,992 |
| Cash dividends to net income (ytd only)* | 38.2775% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 1,079 |
| Loan loss allowance to noncurrent loans | 43.4043% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 1,624 |
| Noncurrent loans to loans | 3.6302% | 233 |
| Net loans and leases to total assets | 23.3239% | 5,285 |
| Net loans and leases to deposits | 29.6549% | 5,274 |
| Net loans and leases to core deposits | 30.7980% | 5,268 |
| Total domestic deposits to total assets | 78.6510% | 4,380 |
| Equity capital to assets | 10.5628% | 3,115 |
| Core capital (leverage) ratio | 11.0306% | 2,497 |
| Tier 1 risk-based capital ratio | 20.0033% | 1,305 |
| Total risk-based capital ratio | 20.6717% | 1,385 |
| Memoranda: | ||
| Average total assets | $54,924,000 | 4,859 |
| Average earning assets | $50,540,600 | 4,844 |
| Average equity | $5,757,000 | 4,938 |
| Average total loans | $13,033,800 | 5,232 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,826 |
| Cost of funding earning assets | 0.8270% | 1,210 |
| Net interest margin | 2.7583% | 5,123 |
| Noninterest income to average assets | 0.1503% | 5,024 |
| Noninterest expense to average assets | 2.3347% | 4,008 |
| Loan and lease loss provision to assets | -0.1212% | 5,365 |
| Net operating income to assets | 0.4897% | 4,779 |
| Return on assets (ROA) | 0.4630% | 4,841 |
| Pretax return on assets | 0.4412% | 4,983 |
| Return on Equity (ROE) | 4.4262% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.4262% | 3,538 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0705% | 456 |
| Assets per employee ($millions) | 5.3644% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,297 |
| Loan loss allowance to noncurrent loans | 36.4937% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 1,391 |
| Noncurrent loans to loans | 4.1506% | 192 |
| Net loans and leases to total assets | 24.7260% | 5,342 |
| Net loans and leases to deposits | 36.0083% | 5,273 |
| Net loans and leases to core deposits | 37.3686% | 5,277 |
| Total domestic deposits to total assets | 68.6675% | 5,266 |
| Equity capital to assets | 10.7151% | 2,924 |
| Core capital (leverage) ratio | 11.8417% | 1,884 |
| Tier 1 risk-based capital ratio | 20.4598% | 1,260 |
| Total risk-based capital ratio | 21.1374% | 1,325 |
| Memoranda: | ||
| Average total assets | $54,996,250 | 4,909 |
| Average earning assets | $50,464,500 | 4,897 |
| Average equity | $5,753,500 | 4,991 |
| Average total loans | $13,055,500 | 5,299 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5297% | 4,877 |
| Cost of funding earning assets | 0.7519% | 1,361 |
| Net interest margin | 2.7778% | 5,147 |
| Noninterest income to average assets | 0.1371% | 5,127 |
| Noninterest expense to average assets | 2.3302% | 4,076 |
| Loan and lease loss provision to assets | -0.1804% | 5,465 |
| Net operating income to assets | 0.5879% | 4,536 |
| Return on assets (ROA) | 0.5302% | 4,684 |
| Pretax return on assets | 0.5014% | 4,905 |
| Return on Equity (ROE) | 5.1083% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.1083% | 3,019 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0186% | 566 |
| Assets per employee ($millions) | 6.7018% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 1,017 |
| Loan loss allowance to noncurrent loans | 41.8891% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 1,852 |
| Noncurrent loans to loans | 3.9029% | 231 |
| Net loans and leases to total assets | 20.3495% | 5,441 |
| Net loans and leases to deposits | 25.2375% | 5,436 |
| Net loans and leases to core deposits | 26.9415% | 5,428 |
| Total domestic deposits to total assets | 80.6320% | 4,091 |
| Equity capital to assets | 9.4254% | 4,170 |
| Core capital (leverage) ratio | 10.7643% | 2,740 |
| Tier 1 risk-based capital ratio | 19.9935% | 1,321 |
| Total risk-based capital ratio | 20.6605% | 1,414 |
| Memoranda: | ||
| Average total assets | $55,447,000 | 4,953 |
| Average earning assets | $51,335,670 | 4,941 |
| Average equity | $5,755,330 | 5,038 |
| Average total loans | $12,918,000 | 5,362 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,791 |
| Cost of funding earning assets | 0.6909% | 1,491 |
| Net interest margin | 2.8610% | 5,083 |
| Noninterest income to average assets | 0.1434% | 5,152 |
| Noninterest expense to average assets | 2.4221% | 3,890 |
| Loan and lease loss provision to assets | -0.3773% | 5,571 |
| Net operating income to assets | 0.8224% | 3,619 |
| Return on assets (ROA) | 0.7093% | 4,076 |
| Pretax return on assets | 0.6414% | 4,585 |
| Return on Equity (ROE) | 6.4934% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.4934% | 2,505 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5229% | 611 |
| Assets per employee ($millions) | 5.1211% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 1,419 |
| Loan loss allowance to noncurrent loans | 18.7156% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 2.1284% | 505 |
| Noncurrent loans to loans | 8.0843% | 48 |
| Net loans and leases to total assets | 25.9300% | 5,437 |
| Net loans and leases to deposits | 33.6783% | 5,398 |
| Net loans and leases to core deposits | 36.7799% | 5,382 |
| Total domestic deposits to total assets | 76.9932% | 4,854 |
| Equity capital to assets | 11.0933% | 2,490 |
| Core capital (leverage) ratio | 11.8732% | 1,737 |
| Tier 1 risk-based capital ratio | 19.9782% | 1,351 |
| Total risk-based capital ratio | 20.6506% | 1,419 |
| Memoranda: | ||
| Average total assets | $53,012,500 | 5,059 |
| Average earning assets | $49,213,500 | 5,041 |
| Average equity | $5,790,500 | 5,090 |
| Average total loans | $13,138,000 | 5,421 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 4,456 |
| Cost of funding earning assets | 0.6679% | 1,196 |
| Net interest margin | 2.9795% | 4,927 |
| Noninterest income to average assets | 0.2087% | 4,892 |
| Noninterest expense to average assets | 2.6495% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3331% | 4,866 |
| Return on assets (ROA) | 0.5762% | 4,149 |
| Pretax return on assets | 0.5265% | 4,885 |
| Return on Equity (ROE) | 5.1462% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.9494% | 2,825 |
| Net charge-offs to loans | 0.0142% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 810 |
| Efficiency ratio | 90.3394% | 419 |
| Assets per employee ($millions) | 5.4814% | 1,954 |
| Cash dividends to net income (ytd only)* | 23.2558% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 553 |
| Loan loss allowance to noncurrent loans | 25.0988% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.8462% | 654 |
| Noncurrent loans to loans | 7.9106% | 48 |
| Net loans and leases to total assets | 22.8755% | 5,547 |
| Net loans and leases to deposits | 28.7519% | 5,531 |
| Net loans and leases to core deposits | 31.5804% | 5,510 |
| Total domestic deposits to total assets | 79.5618% | 4,432 |
| Equity capital to assets | 10.7637% | 2,882 |
| Core capital (leverage) ratio | 11.2795% | 2,108 |
| Tier 1 risk-based capital ratio | 19.6492% | 1,390 |
| Total risk-based capital ratio | 20.4914% | 1,433 |
| Memoranda: | ||
| Average total assets | $52,235,600 | 5,118 |
| Average earning assets | $47,760,000 | 5,113 |
| Average equity | $5,849,000 | 5,124 |
| Average total loans | $14,074,800 | 5,463 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 4,274 |
| Cost of funding earning assets | 0.6636% | 1,157 |
| Net interest margin | 3.0543% | 4,804 |
| Noninterest income to average assets | 0.2042% | 4,990 |
| Noninterest expense to average assets | 2.6025% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3528% | 5,103 |
| Return on assets (ROA) | 0.6358% | 4,308 |
| Pretax return on assets | 0.6926% | 4,626 |
| Return on Equity (ROE) | 5.6199% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.6199% | 2,473 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1107% | 566 |
| Assets per employee ($millions) | 4.9176% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 626 |
| Loan loss allowance to noncurrent loans | 48.9484% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 690 |
| Noncurrent loans to loans | 3.9857% | 248 |
| Net loans and leases to total assets | 26.1632% | 5,563 |
| Net loans and leases to deposits | 35.4846% | 5,501 |
| Net loans and leases to core deposits | 39.4517% | 5,474 |
| Total domestic deposits to total assets | 73.7311% | 5,260 |
| Equity capital to assets | 12.3455% | 1,748 |
| Core capital (leverage) ratio | 11.7890% | 1,828 |
| Tier 1 risk-based capital ratio | 20.9524% | 1,201 |
| Total risk-based capital ratio | 21.8487% | 1,234 |
| Memoranda: | ||
| Average total assets | $51,591,000 | 5,184 |
| Average earning assets | $47,014,750 | 5,179 |
| Average equity | $5,836,250 | 5,184 |
| Average total loans | $14,395,250 | 5,516 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 4,159 |
| Cost of funding earning assets | 0.6257% | 1,298 |
| Net interest margin | 3.0948% | 4,699 |
| Noninterest income to average assets | 0.1794% | 5,156 |
| Noninterest expense to average assets | 2.5918% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3657% | 5,053 |
| Return on assets (ROA) | 0.6642% | 4,064 |
| Pretax return on assets | 0.7252% | 4,488 |
| Return on Equity (ROE) | 6.0438% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.0438% | 2,088 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6071% | 645 |
| Assets per employee ($millions) | 5.1985% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 848 |
| Loan loss allowance to noncurrent loans | 48.9484% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.8294% | 748 |
| Noncurrent loans to loans | 3.7185% | 280 |
| Net loans and leases to total assets | 26.5634% | 5,599 |
| Net loans and leases to deposits | 33.9237% | 5,575 |
| Net loans and leases to core deposits | 37.2843% | 5,551 |
| Total domestic deposits to total assets | 78.3034% | 4,770 |
| Equity capital to assets | 11.6514% | 2,188 |
| Core capital (leverage) ratio | 10.9664% | 2,448 |
| Tier 1 risk-based capital ratio | 19.6902% | 1,434 |
| Total risk-based capital ratio | 20.5430% | 1,469 |
| Memoranda: | ||
| Average total assets | $52,396,000 | 5,205 |
| Average earning assets | $47,629,000 | 5,203 |
| Average equity | $5,758,000 | 5,228 |
| Average total loans | $14,819,670 | 5,548 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 3,912 |
| Cost of funding earning assets | 0.6078% | 1,321 |
| Net interest margin | 3.1488% | 4,508 |
| Noninterest income to average assets | 0.1673% | 5,273 |
| Noninterest expense to average assets | 2.6159% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3688% | 5,027 |
| Return on assets (ROA) | 0.5855% | 4,262 |
| Pretax return on assets | 0.6160% | 4,696 |
| Return on Equity (ROE) | 5.4917% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.4917% | 2,601 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0886% | 726 |
| Assets per employee ($millions) | 5.2866% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 1,024 |
| Loan loss allowance to noncurrent loans | 46.0432% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.8613% | 747 |
| Noncurrent loans to loans | 3.8295% | 283 |
| Net loans and leases to total assets | 26.9795% | 5,652 |
| Net loans and leases to deposits | 33.2991% | 5,628 |
| Net loans and leases to core deposits | 33.7179% | 5,654 |
| Total domestic deposits to total assets | 81.0218% | 4,409 |
| Equity capital to assets | 10.7725% | 2,886 |
| Core capital (leverage) ratio | 11.4037% | 2,021 |
| Tier 1 risk-based capital ratio | 18.8217% | 1,651 |
| Total risk-based capital ratio | 19.6392% | 1,724 |
| Memoranda: | ||
| Average total assets | $52,601,500 | 5,256 |
| Average earning assets | $47,383,500 | 5,265 |
| Average equity | $5,608,500 | 5,301 |
| Average total loans | $15,197,000 | 5,605 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,215 |
| Cost of funding earning assets | 0.5366% | 1,814 |
| Net interest margin | 3.1616% | 4,558 |
| Noninterest income to average assets | 0.1961% | 5,237 |
| Noninterest expense to average assets | 2.6791% | 3,416 |
| Loan and lease loss provision to assets | -0.2074% | 5,788 |
| Net operating income to assets | 0.5250% | 4,530 |
| Return on assets (ROA) | 0.8182% | 3,325 |
| Pretax return on assets | 0.9577% | 3,629 |
| Return on Equity (ROE) | 7.4389% | 3,245 |
| Retained earnings to average equity (ytd only) | 6.2391% | 1,586 |
| Net charge-offs to loans | 0.0720% | 2,669 |
| Credit loss provision to net charge-offs | -916.6667% | 5,283 |
| Earnings coverage of net charge-offs (x) | 17.9167% | 2,007 |
| Efficiency ratio | 86.8582% | 760 |
| Assets per employee ($millions) | 5.8152% | 1,609 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,342 |
| Loan loss allowance to noncurrent loans | 46.9725% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 751 |
| Noncurrent loans to loans | 3.4331% | 358 |
| Net loans and leases to total assets | 29.8431% | 5,646 |
| Net loans and leases to deposits | 37.1183% | 5,618 |
| Net loans and leases to core deposits | 40.6522% | 5,583 |
| Total domestic deposits to total assets | 80.4001% | 4,479 |
| Equity capital to assets | 10.5509% | 3,101 |
| Core capital (leverage) ratio | 10.2681% | 3,146 |
| Tier 1 risk-based capital ratio | 17.1976% | 2,090 |
| Total risk-based capital ratio | 18.0222% | 2,189 |
| Memoranda: | ||
| Average total assets | $53,041,000 | 5,283 |
| Average earning assets | $48,456,200 | 5,278 |
| Average equity | $5,834,200 | 5,304 |
| Average total loans | $16,655,600 | 5,623 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,234 |
| Cost of funding earning assets | 0.5181% | 1,952 |
| Net interest margin | 3.1879% | 4,517 |
| Noninterest income to average assets | 0.2054% | 5,238 |
| Noninterest expense to average assets | 2.5655% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5449% | 4,510 |
| Return on assets (ROA) | 0.9721% | 2,691 |
| Pretax return on assets | 0.9896% | 3,668 |
| Return on Equity (ROE) | 8.7500% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.7500% | 896 |
| Net charge-offs to loans | 0.0950% | 2,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.4163% | 1,995 |
| Efficiency ratio | 82.2490% | 1,163 |
| Assets per employee ($millions) | 5.2945% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1857% | 534 |
| Loan loss allowance to noncurrent loans | 65.2406% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.0908% | 728 |
| Noncurrent loans to loans | 3.3503% | 403 |
| Net loans and leases to total assets | 30.9359% | 5,697 |
| Net loans and leases to deposits | 45.0852% | 5,483 |
| Net loans and leases to core deposits | 49.7056% | 5,399 |
| Total domestic deposits to total assets | 68.6165% | 5,753 |
| Equity capital to assets | 11.7084% | 2,343 |
| Core capital (leverage) ratio | 11.0337% | 2,414 |
| Tier 1 risk-based capital ratio | 18.0392% | 1,906 |
| Total risk-based capital ratio | 19.1852% | 1,906 |
| Memoranda: | ||
| Average total assets | $53,217,000 | 5,338 |
| Average earning assets | $48,641,500 | 5,327 |
| Average equity | $5,912,250 | 5,349 |
| Average total loans | $16,850,750 | 5,674 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7223% | 4,221 |
| Cost of funding earning assets | 0.4955% | 2,138 |
| Net interest margin | 3.2268% | 4,459 |
| Noninterest income to average assets | 0.2063% | 5,264 |
| Noninterest expense to average assets | 2.7238% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4276% | 4,949 |
| Return on assets (ROA) | 0.6078% | 4,360 |
| Pretax return on assets | 0.6228% | 4,833 |
| Return on Equity (ROE) | 5.5702% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.5702% | 2,379 |
| Net charge-offs to loans | 0.1066% | 1,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,155 |
| Efficiency ratio | 86.1210% | 867 |
| Assets per employee ($millions) | 5.3669% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1917% | 552 |
| Loan loss allowance to noncurrent loans | 65.7754% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.1092% | 759 |
| Noncurrent loans to loans | 3.3321% | 409 |
| Net loans and leases to total assets | 30.6825% | 5,769 |
| Net loans and leases to deposits | 38.1737% | 5,742 |
| Net loans and leases to core deposits | 41.0556% | 5,706 |
| Total domestic deposits to total assets | 80.3760% | 4,459 |
| Equity capital to assets | 11.3063% | 2,736 |
| Core capital (leverage) ratio | 10.5402% | 2,922 |
| Tier 1 risk-based capital ratio | 17.2349% | 2,145 |
| Total risk-based capital ratio | 18.3839% | 2,130 |
| Memoranda: | ||
| Average total assets | $53,307,670 | 5,394 |
| Average earning assets | $48,841,000 | 5,380 |
| Average equity | $5,816,670 | 5,422 |
| Average total loans | $16,886,000 | 5,740 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,040 |
| Cost of funding earning assets | 0.4863% | 2,215 |
| Net interest margin | 3.2889% | 4,264 |
| Noninterest income to average assets | 0.2259% | 5,127 |
| Noninterest expense to average assets | 2.6879% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5120% | 4,580 |
| Return on assets (ROA) | 0.5120% | 4,688 |
| Pretax return on assets | 0.5421% | 4,976 |
| Return on Equity (ROE) | 4.7795% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.7795% | 3,077 |
| Net charge-offs to loans | 0.2129% | 948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,095 |
| Efficiency ratio | 83.2168% | 1,235 |
| Assets per employee ($millions) | 5.4409% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 593 |
| Loan loss allowance to noncurrent loans | 30.6224% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.4757% | 605 |
| Noncurrent loans to loans | 7.1709% | 95 |
| Net loans and leases to total assets | 30.2064% | 5,821 |
| Net loans and leases to deposits | 40.3323% | 5,702 |
| Net loans and leases to core deposits | 43.4421% | 5,676 |
| Total domestic deposits to total assets | 74.8939% | 5,531 |
| Equity capital to assets | 10.6269% | 3,338 |
| Core capital (leverage) ratio | 10.3349% | 3,149 |
| Tier 1 risk-based capital ratio | 16.7384% | 2,383 |
| Total risk-based capital ratio | 17.8736% | 2,381 |
| Memoranda: | ||
| Average total assets | $53,127,000 | 5,447 |
| Average earning assets | $48,526,500 | 5,436 |
| Average equity | $5,691,000 | 5,478 |
| Average total loans | $16,911,000 | 5,791 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 3,905 |
| Cost of funding earning assets | 0.4141% | 3,004 |
| Net interest margin | 3.4294% | 3,800 |
| Noninterest income to average assets | 0.0019% | 6,101 |
| Noninterest expense to average assets | 2.7819% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2976% | 5,367 |
| Return on assets (ROA) | 0.6864% | 3,981 |
| Pretax return on assets | 0.8781% | 3,926 |
| Return on Equity (ROE) | 6.4495% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.3686% | 2,158 |
| Net charge-offs to loans | -0.0436% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9927% | 833 |
| Assets per employee ($millions) | 5.1845% | 2,135 |
| Cash dividends to net income (ytd only)* | 16.7598% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 578 |
| Loan loss allowance to noncurrent loans | 29.6471% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.7852% | 509 |
| Noncurrent loans to loans | 7.4921% | 89 |
| Net loans and leases to total assets | 32.0957% | 5,834 |
| Net loans and leases to deposits | 38.0900% | 5,836 |
| Net loans and leases to core deposits | 40.4463% | 5,808 |
| Total domestic deposits to total assets | 84.2627% | 3,380 |
| Equity capital to assets | 10.8014% | 3,031 |
| Core capital (leverage) ratio | 10.5083% | 2,920 |
| Tier 1 risk-based capital ratio | 17.1881% | 2,223 |
| Total risk-based capital ratio | 18.3973% | 2,187 |
| Memoranda: | ||
| Average total assets | $52,159,000 | 5,503 |
| Average earning assets | $48,054,400 | 5,480 |
| Average equity | $5,550,800 | 5,530 |
| Average total loans | $18,340,000 | 5,786 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,746 |
| Cost of funding earning assets | 0.3991% | 3,234 |
| Net interest margin | 3.5000% | 3,534 |
| Noninterest income to average assets | 0.1812% | 5,570 |
| Noninterest expense to average assets | 2.7387% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6447% | 4,158 |
| Return on assets (ROA) | 1.1103% | 2,038 |
| Pretax return on assets | 1.1511% | 3,011 |
| Return on Equity (ROE) | 10.4720% | 1,912 |
| Retained earnings to average equity (ytd only) | 10.4720% | 557 |
| Net charge-offs to loans | -0.0428% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4348% | 1,596 |
| Assets per employee ($millions) | 4.5699% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2119% | 649 |
| Loan loss allowance to noncurrent loans | 30.2494% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 2.9959% | 503 |
| Noncurrent loans to loans | 7.3122% | 86 |
| Net loans and leases to total assets | 33.0681% | 5,894 |
| Net loans and leases to deposits | 42.4576% | 5,785 |
| Net loans and leases to core deposits | 45.4329% | 5,750 |
| Total domestic deposits to total assets | 77.8850% | 5,206 |
| Equity capital to assets | 11.3987% | 2,589 |
| Core capital (leverage) ratio | 10.7095% | 2,812 |
| Tier 1 risk-based capital ratio | 18.6554% | 1,861 |
| Total risk-based capital ratio | 19.9045% | 1,825 |
| Memoranda: | ||
| Average total assets | $52,237,500 | 5,573 |
| Average earning assets | $48,112,750 | 5,546 |
| Average equity | $5,538,500 | 5,605 |
| Average total loans | $18,670,500 | 5,844 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 3,742 |
| Cost of funding earning assets | 0.3818% | 3,464 |
| Net interest margin | 3.5056% | 3,475 |
| Noninterest income to average assets | 0.1626% | 5,732 |
| Noninterest expense to average assets | 2.7489% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6234% | 4,245 |
| Return on assets (ROA) | 1.2175% | 1,628 |
| Pretax return on assets | 1.2553% | 2,526 |
| Return on Equity (ROE) | 11.7633% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.7633% | 421 |
| Net charge-offs to loans | -0.0416% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0479% | 1,618 |
| Assets per employee ($millions) | 4.7467% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 981 |
| Loan loss allowance to noncurrent loans | 26.3566% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 3.2520% | 472 |
| Noncurrent loans to loans | 7.6008% | 96 |
| Net loans and leases to total assets | 35.0385% | 5,862 |
| Net loans and leases to deposits | 44.4582% | 5,746 |
| Net loans and leases to core deposits | 45.9650% | 5,767 |
| Total domestic deposits to total assets | 78.8122% | 5,137 |
| Equity capital to assets | 10.5183% | 3,419 |
| Core capital (leverage) ratio | 10.2692% | 3,255 |
| Tier 1 risk-based capital ratio | 17.5375% | 2,206 |
| Total risk-based capital ratio | 18.7528% | 2,174 |
| Memoranda: | ||
| Average total assets | $52,893,670 | 5,616 |
| Average earning assets | $48,722,330 | 5,589 |
| Average equity | $5,474,670 | 5,671 |
| Average total loans | $19,227,670 | 5,880 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 3,799 |
| Cost of funding earning assets | 0.3677% | 3,672 |
| Net interest margin | 3.4891% | 3,484 |
| Noninterest income to average assets | 0.2104% | 5,448 |
| Noninterest expense to average assets | 2.9004% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5110% | 4,624 |
| Return on assets (ROA) | 1.7207% | 596 |
| Pretax return on assets | 1.7282% | 995 |
| Return on Equity (ROE) | 16.7581% | 489 |
| Retained earnings to average equity (ytd only) | 16.7581% | 189 |
| Net charge-offs to loans | -0.0820% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8352% | 1,286 |
| Assets per employee ($millions) | 4.7104% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 1,189 |
| Loan loss allowance to noncurrent loans | 27.0036% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 3.5222% | 466 |
| Noncurrent loans to loans | 7.2181% | 119 |
| Net loans and leases to total assets | 36.3106% | 5,812 |
| Net loans and leases to deposits | 45.5368% | 5,674 |
| Net loans and leases to core deposits | 47.9729% | 5,671 |
| Total domestic deposits to total assets | 79.7391% | 5,113 |
| Equity capital to assets | 10.7635% | 3,241 |
| Core capital (leverage) ratio | 9.9786% | 3,629 |
| Tier 1 risk-based capital ratio | 16.7535% | 2,578 |
| Total risk-based capital ratio | 17.9346% | 2,555 |
| Memoranda: | ||
| Average total assets | $53,233,500 | 5,660 |
| Average earning assets | $48,953,000 | 5,635 |
| Average equity | $5,466,000 | 5,724 |
| Average total loans | $19,507,000 | 5,920 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 3,683 |
| Cost of funding earning assets | 0.4311% | 3,371 |
| Net interest margin | 3.5821% | 3,466 |
| Noninterest income to average assets | 0.2404% | 5,402 |
| Noninterest expense to average assets | 3.3071% | 1,910 |
| Loan and lease loss provision to assets | 0.0684% | 3,118 |
| Net operating income to assets | 0.1146% | 5,932 |
| Return on assets (ROA) | 0.4965% | 4,916 |
| Pretax return on assets | 0.5629% | 5,064 |
| Return on Equity (ROE) | 4.8581% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.9018% | 3,437 |
| Net charge-offs to loans | 0.0156% | 4,566 |
| Credit loss provision to net charge-offs | 1,166.6667% | 244 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,230 |
| Efficiency ratio | 94.3670% | 579 |
| Assets per employee ($millions) | 4.9685% | 2,359 |
| Cash dividends to net income (ytd only)* | 19.6850% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 1,388 |
| Loan loss allowance to noncurrent loans | 28.1797% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 3.2240% | 599 |
| Noncurrent loans to loans | 6.6226% | 157 |
| Net loans and leases to total assets | 35.5991% | 5,973 |
| Net loans and leases to deposits | 40.7900% | 6,008 |
| Net loans and leases to core deposits | 41.8967% | 6,047 |
| Total domestic deposits to total assets | 87.2743% | 2,136 |
| Equity capital to assets | 9.7982% | 4,357 |
| Core capital (leverage) ratio | 9.6886% | 3,986 |
| Tier 1 risk-based capital ratio | 15.1692% | 3,400 |
| Total risk-based capital ratio | 16.2751% | 3,412 |
| Memoranda: | ||
| Average total assets | $51,163,200 | 5,763 |
| Average earning assets | $46,621,000 | 5,761 |
| Average equity | $5,228,400 | 5,806 |
| Average total loans | $19,231,600 | 5,991 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,498 |
| Cost of funding earning assets | 0.4434% | 3,331 |
| Net interest margin | 3.6232% | 3,336 |
| Noninterest income to average assets | 0.2466% | 5,446 |
| Noninterest expense to average assets | 3.2026% | 2,169 |
| Loan and lease loss provision to assets | 0.0928% | 2,502 |
| Net operating income to assets | 0.2319% | 5,775 |
| Return on assets (ROA) | 0.5567% | 4,723 |
| Pretax return on assets | 0.5859% | 5,065 |
| Return on Equity (ROE) | 5.3878% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.3878% | 2,832 |
| Net charge-offs to loans | 0.0210% | 4,106 |
| Credit loss provision to net charge-offs | 1,166.6667% | 294 |
| Earnings coverage of net charge-offs (x) | 42.3325% | 1,086 |
| Efficiency ratio | 90.4869% | 810 |
| Assets per employee ($millions) | 4.6495% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 1,492 |
| Loan loss allowance to noncurrent loans | 52.6316% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.3717% | 1,150 |
| Noncurrent loans to loans | 3.5778% | 658 |
| Net loans and leases to total assets | 37.6948% | 5,954 |
| Net loans and leases to deposits | 48.4336% | 5,742 |
| Net loans and leases to core deposits | 52.0351% | 5,682 |
| Total domestic deposits to total assets | 77.8277% | 5,563 |
| Equity capital to assets | 10.4741% | 3,595 |
| Core capital (leverage) ratio | 10.2444% | 3,349 |
| Tier 1 risk-based capital ratio | 16.4684% | 2,825 |
| Total risk-based capital ratio | 17.6644% | 2,806 |
| Memoranda: | ||
| Average total assets | $50,290,750 | 5,844 |
| Average earning assets | $45,704,500 | 5,847 |
| Average equity | $5,196,750 | 5,875 |
| Average total loans | $19,083,000 | 6,063 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 3,509 |
| Cost of funding earning assets | 0.4544% | 3,279 |
| Net interest margin | 3.6045% | 3,344 |
| Noninterest income to average assets | 0.2480% | 5,426 |
| Noninterest expense to average assets | 3.2996% | 1,926 |
| Loan and lease loss provision to assets | 0.1200% | 2,051 |
| Net operating income to assets | 0.0831% | 6,077 |
| Return on assets (ROA) | 0.1840% | 5,930 |
| Pretax return on assets | 0.2120% | 5,929 |
| Return on Equity (ROE) | 1.7887% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.7887% | 4,995 |
| Net charge-offs to loans | 0.0318% | 3,561 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,704 |
| Efficiency ratio | 93.8567% | 648 |
| Assets per employee ($millions) | 3.8642% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 1,416 |
| Loan loss allowance to noncurrent loans | 45.9698% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.6137% | 1,035 |
| Noncurrent loans to loans | 4.2880% | 525 |
| Net loans and leases to total assets | 36.1342% | 6,044 |
| Net loans and leases to deposits | 42.4986% | 6,050 |
| Net loans and leases to core deposits | 45.4277% | 6,017 |
| Total domestic deposits to total assets | 85.0244% | 3,488 |
| Equity capital to assets | 10.5146% | 3,426 |
| Core capital (leverage) ratio | 9.9396% | 3,696 |
| Tier 1 risk-based capital ratio | 15.7758% | 3,209 |
| Total risk-based capital ratio | 16.9469% | 3,188 |
| Memoranda: | ||
| Average total assets | $50,006,000 | 5,908 |
| Average earning assets | $45,331,670 | 5,903 |
| Average equity | $5,143,330 | 5,925 |
| Average total loans | $18,894,330 | 6,118 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 3,175 |
| Cost of funding earning assets | 0.4587% | 3,324 |
| Net interest margin | 3.6693% | 2,993 |
| Noninterest income to average assets | 0.2405% | 5,434 |
| Noninterest expense to average assets | 3.2952% | 1,953 |
| Loan and lease loss provision to assets | 0.1203% | 1,989 |
| Net operating income to assets | 0.1603% | 5,907 |
| Return on assets (ROA) | 0.4009% | 5,181 |
| Pretax return on assets | 0.4009% | 5,452 |
| Return on Equity (ROE) | 3.9417% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.9417% | 3,752 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1525% | 872 |
| Assets per employee ($millions) | 4.4257% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9112% | 1,714 |
| Loan loss allowance to noncurrent loans | 43.7965% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 2.7402% | 1,105 |
| Noncurrent loans to loans | 4.3638% | 581 |
| Net loans and leases to total assets | 37.2142% | 6,003 |
| Net loans and leases to deposits | 44.2418% | 5,965 |
| Net loans and leases to core deposits | 47.5250% | 5,901 |
| Total domestic deposits to total assets | 84.1156% | 4,233 |
| Equity capital to assets | 10.6588% | 3,084 |
| Core capital (leverage) ratio | 9.8653% | 3,770 |
| Tier 1 risk-based capital ratio | 16.1101% | 3,115 |
| Total risk-based capital ratio | 17.2658% | 3,117 |
| Memoranda: | ||
| Average total assets | $49,891,500 | 5,967 |
| Average earning assets | $45,349,500 | 5,962 |
| Average equity | $5,074,000 | 5,977 |
| Average total loans | $19,083,000 | 6,176 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 3,649 |
| Cost of funding earning assets | 0.5218% | 3,380 |
| Net interest margin | 3.6021% | 3,459 |
| Noninterest income to average assets | 0.2387% | 5,641 |
| Noninterest expense to average assets | 3.1364% | 2,626 |
| Loan and lease loss provision to assets | 0.1193% | 2,823 |
| Net operating income to assets | 0.2012% | 5,813 |
| Return on assets (ROA) | 0.4654% | 5,020 |
| Pretax return on assets | 0.5768% | 4,946 |
| Return on Equity (ROE) | 4.5725% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.7908% | 3,504 |
| Net charge-offs to loans | 0.0103% | 5,243 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 488 |
| Efficiency ratio | 89.4498% | 1,070 |
| Assets per employee ($millions) | 3.9308% | 3,998 |
| Cash dividends to net income (ytd only)* | 17.0940% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 2,351 |
| Loan loss allowance to noncurrent loans | 52.1605% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 2.3190% | 1,510 |
| Noncurrent loans to loans | 3.2900% | 996 |
| Net loans and leases to total assets | 37.8826% | 6,103 |
| Net loans and leases to deposits | 45.8862% | 6,021 |
| Net loans and leases to core deposits | 49.8173% | 5,950 |
| Total domestic deposits to total assets | 82.5577% | 4,696 |
| Equity capital to assets | 9.7045% | 4,160 |
| Core capital (leverage) ratio | 9.8178% | 3,818 |
| Tier 1 risk-based capital ratio | 14.3900% | 4,022 |
| Total risk-based capital ratio | 15.3885% | 4,151 |
| Memoranda: | ||
| Average total assets | $50,280,600 | 6,010 |
| Average earning assets | $45,612,200 | 6,006 |
| Average equity | $5,117,600 | 6,038 |
| Average total loans | $19,470,400 | 6,230 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 3,695 |
| Cost of funding earning assets | 0.5456% | 3,310 |
| Net interest margin | 3.5698% | 3,579 |
| Noninterest income to average assets | 0.2290% | 5,795 |
| Noninterest expense to average assets | 3.0193% | 2,926 |
| Loan and lease loss provision to assets | 0.1198% | 2,797 |
| Net operating income to assets | 0.3187% | 5,548 |
| Return on assets (ROA) | 0.7215% | 3,879 |
| Pretax return on assets | 0.7455% | 4,504 |
| Return on Equity (ROE) | 7.0061% | 3,642 |
| Retained earnings to average equity (ytd only) | 7.0061% | 1,870 |
| Net charge-offs to loans | 0.0138% | 4,862 |
| Credit loss provision to net charge-offs | 2,250.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 84.3933% | 564 |
| Efficiency ratio | 87.0299% | 1,255 |
| Assets per employee ($millions) | 3.8078% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,734 |
| Loan loss allowance to noncurrent loans | 49.4640% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.4626% | 1,569 |
| Noncurrent loans to loans | 3.3738% | 1,148 |
| Net loans and leases to total assets | 38.4477% | 6,146 |
| Net loans and leases to deposits | 51.9333% | 5,711 |
| Net loans and leases to core deposits | 57.1206% | 5,517 |
| Total domestic deposits to total assets | 74.0328% | 6,365 |
| Equity capital to assets | 10.1452% | 3,709 |
| Core capital (leverage) ratio | 9.9222% | 3,784 |
| Tier 1 risk-based capital ratio | 14.8047% | 3,871 |
| Total risk-based capital ratio | 15.7714% | 4,018 |
| Memoranda: | ||
| Average total assets | $50,075,750 | 6,081 |
| Average earning assets | $45,454,750 | 6,076 |
| Average equity | $5,157,250 | 6,101 |
| Average total loans | $19,414,000 | 6,298 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 3,746 |
| Cost of funding earning assets | 0.5697% | 3,222 |
| Net interest margin | 3.5277% | 3,665 |
| Noninterest income to average assets | 0.2149% | 5,903 |
| Noninterest expense to average assets | 3.0835% | 2,714 |
| Loan and lease loss provision to assets | 0.1194% | 2,831 |
| Net operating income to assets | 0.1944% | 5,914 |
| Return on assets (ROA) | 0.3501% | 5,583 |
| Pretax return on assets | 0.3859% | 5,666 |
| Return on Equity (ROE) | 3.3831% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.3831% | 4,169 |
| Net charge-offs to loans | 0.0103% | 4,675 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 539 |
| Efficiency ratio | 90.2212% | 1,044 |
| Assets per employee ($millions) | 3.8848% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 3,243 |
| Loan loss allowance to noncurrent loans | 35.9721% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 2.8216% | 1,456 |
| Noncurrent loans to loans | 4.3784% | 817 |
| Net loans and leases to total assets | 38.2354% | 6,167 |
| Net loans and leases to deposits | 48.5359% | 5,947 |
| Net loans and leases to core deposits | 50.3271% | 6,010 |
| Total domestic deposits to total assets | 78.7775% | 5,835 |
| Equity capital to assets | 10.0192% | 3,892 |
| Core capital (leverage) ratio | 9.5290% | 4,199 |
| Tier 1 risk-based capital ratio | 14.2541% | 4,256 |
| Total risk-based capital ratio | 15.1784% | 4,435 |
| Memoranda: | ||
| Average total assets | $50,267,330 | 6,122 |
| Average earning assets | $45,638,670 | 6,115 |
| Average equity | $5,202,330 | 6,131 |
| Average total loans | $19,433,670 | 6,331 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,389 |
| Cost of funding earning assets | 0.6071% | 3,040 |
| Net interest margin | 3.5722% | 3,376 |
| Noninterest income to average assets | 0.2313% | 5,802 |
| Noninterest expense to average assets | 3.2942% | 2,099 |
| Loan and lease loss provision to assets | 0.1196% | 2,727 |
| Net operating income to assets | 0.0558% | 6,237 |
| Return on assets (ROA) | 0.3589% | 5,451 |
| Pretax return on assets | 0.3589% | 5,685 |
| Return on Equity (ROE) | 3.4133% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.4133% | 4,206 |
| Net charge-offs to loans | 0.0414% | 3,456 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,692 |
| Efficiency ratio | 94.9425% | 774 |
| Assets per employee ($millions) | 3.8211% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 3,484 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 38.3923% | 6,129 |
| Net loans and leases to deposits | 44.3409% | 6,180 |
| Net loans and leases to core deposits | 44.8898% | 6,269 |
| Total domestic deposits to total assets | 86.5845% | 3,187 |
| Equity capital to assets | 10.6575% | 3,370 |
| Core capital (leverage) ratio | 9.6758% | 3,824 |
| Tier 1 risk-based capital ratio | 13.8305% | 4,630 |
| Total risk-based capital ratio | 14.6887% | 4,872 |
| Memoranda: | ||
| Average total assets | $50,149,500 | 6,180 |
| Average earning assets | $45,462,000 | 6,175 |
| Average equity | $5,273,500 | 6,166 |
| Average total loans | $19,341,000 | 6,396 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 3,544 |
| Cost of funding earning assets | 0.9718% | 1,517 |
| Net interest margin | 3.4948% | 4,522 |
| Noninterest income to average assets | -0.2738% | 6,984 |
| Noninterest expense to average assets | 3.1157% | 2,878 |
| Loan and lease loss provision to assets | 0.1217% | 4,093 |
| Net operating income to assets | -0.3353% | 6,469 |
| Return on assets (ROA) | 0.4179% | 5,280 |
| Pretax return on assets | 0.4605% | 5,396 |
| Return on Equity (ROE) | 3.9304% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.3580% | 3,855 |
| Net charge-offs to loans | 1.3610% | 689 |
| Credit loss provision to net charge-offs | 24.0964% | 5,224 |
| Earnings coverage of net charge-offs (x) | -0.4859% | 5,671 |
| Efficiency ratio | 108.5512% | 356 |
| Assets per employee ($millions) | 3.8942% | 4,160 |
| Cash dividends to net income (ytd only)* | 14.5631% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 3,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 3,576 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 37.6059% | 6,332 |
| Net loans and leases to deposits | 43.1329% | 6,417 |
| Net loans and leases to core deposits | 44.2025% | 6,453 |
| Total domestic deposits to total assets | 87.1862% | 2,717 |
| Equity capital to assets | 10.3763% | 3,664 |
| Core capital (leverage) ratio | 9.8215% | 3,638 |
| Tier 1 risk-based capital ratio | 15.1447% | 3,641 |
| Total risk-based capital ratio | 16.0514% | 3,786 |
| Memoranda: | ||
| Average total assets | $49,298,600 | 6,232 |
| Average earning assets | $44,351,600 | 6,228 |
| Average equity | $5,241,200 | 6,226 |
| Average total loans | $18,295,200 | 6,500 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 3,397 |
| Cost of funding earning assets | 1.0623% | 1,226 |
| Net interest margin | 3.4955% | 4,664 |
| Noninterest income to average assets | -0.2859% | 7,092 |
| Noninterest expense to average assets | 2.7937% | 4,002 |
| Loan and lease loss provision to assets | 0.1225% | 4,019 |
| Net operating income to assets | -0.0572% | 6,350 |
| Return on assets (ROA) | 0.6726% | 4,303 |
| Pretax return on assets | 0.6726% | 4,948 |
| Return on Equity (ROE) | 6.2870% | 4,181 |
| Retained earnings to average equity (ytd only) | 6.2870% | 2,495 |
| Net charge-offs to loans | 1.8552% | 415 |
| Credit loss provision to net charge-offs | 17.9283% | 4,988 |
| Earnings coverage of net charge-offs (x) | 0.0956% | 5,289 |
| Efficiency ratio | 97.7143% | 610 |
| Assets per employee ($millions) | 3.6570% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9162% | 2,760 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 39.6311% | 6,315 |
| Net loans and leases to deposits | 49.8624% | 6,118 |
| Net loans and leases to core deposits | 51.6560% | 6,203 |
| Total domestic deposits to total assets | 79.4809% | 5,771 |
| Equity capital to assets | 11.3691% | 2,879 |
| Core capital (leverage) ratio | 9.9956% | 3,553 |
| Tier 1 risk-based capital ratio | 14.7963% | 3,988 |
| Total risk-based capital ratio | 15.6159% | 4,257 |
| Memoranda: | ||
| Average total assets | $48,967,000 | 6,318 |
| Average earning assets | $44,055,250 | 6,309 |
| Average equity | $5,238,250 | 6,295 |
| Average total loans | $18,039,500 | 6,597 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 3,473 |
| Cost of funding earning assets | 1.0914% | 1,253 |
| Net interest margin | 3.4808% | 4,757 |
| Noninterest income to average assets | -0.4773% | 7,188 |
| Noninterest expense to average assets | 2.7992% | 4,022 |
| Loan and lease loss provision to assets | 0.1214% | 4,007 |
| Net operating income to assets | -0.2629% | 6,589 |
| Return on assets (ROA) | 0.0526% | 6,391 |
| Pretax return on assets | 0.0526% | 6,385 |
| Return on Equity (ROE) | 0.5017% | 6,389 |
| Retained earnings to average equity (ytd only) | 0.5017% | 5,867 |
| Net charge-offs to loans | 2.8273% | 218 |
| Credit loss provision to net charge-offs | 12.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | -0.1400% | 5,142 |
| Efficiency ratio | 105.3272% | 409 |
| Assets per employee ($millions) | 3.7818% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,244 |
| Loan loss allowance to noncurrent loans | 79.2994% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 2,817 |
| Noncurrent loans to loans | 1.8302% | 3,176 |
| Net loans and leases to total assets | 34.3917% | 6,707 |
| Net loans and leases to deposits | 42.1656% | 6,636 |
| Net loans and leases to core deposits | 43.4218% | 6,683 |
| Total domestic deposits to total assets | 81.5634% | 5,280 |
| Equity capital to assets | 10.6706% | 3,488 |
| Core capital (leverage) ratio | 9.0679% | 4,808 |
| Tier 1 risk-based capital ratio | 13.1669% | 5,064 |
| Total risk-based capital ratio | 13.8932% | 5,440 |
| Memoranda: | ||
| Average total assets | $49,442,330 | 6,334 |
| Average earning assets | $44,530,000 | 6,334 |
| Average equity | $5,182,670 | 6,341 |
| Average total loans | $17,684,670 | 6,663 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 3,027 |
| Cost of funding earning assets | 1.1408% | 1,213 |
| Net interest margin | 3.5663% | 4,414 |
| Noninterest income to average assets | -1.1536% | 7,287 |
| Noninterest expense to average assets | 2.3880% | 5,512 |
| Loan and lease loss provision to assets | 0.1210% | 3,832 |
| Net operating income to assets | -0.4598% | 6,802 |
| Return on assets (ROA) | -0.0565% | 6,583 |
| Pretax return on assets | -0.0565% | 6,574 |
| Return on Equity (ROE) | -0.5436% | 6,590 |
| Retained earnings to average equity (ytd only) | -0.5436% | 6,086 |
| Net charge-offs to loans | 5.5938% | 77 |
| Credit loss provision to net charge-offs | 5.9761% | 3,948 |
| Earnings coverage of net charge-offs (x) | -0.1673% | 4,425 |
| Efficiency ratio | 116.5354% | 256 |
| Assets per employee ($millions) | 4.1107% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 5,144 |
| Loan loss allowance to noncurrent loans | 72.8125% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.2442% | 2,655 |
| Noncurrent loans to loans | 1.7478% | 3,490 |
| Net loans and leases to total assets | 36.6445% | 6,583 |
| Net loans and leases to deposits | 45.8572% | 6,440 |
| Net loans and leases to core deposits | 47.3690% | 6,491 |
| Total domestic deposits to total assets | 79.9100% | 5,874 |
| Equity capital to assets | 10.4444% | 3,560 |
| Core capital (leverage) ratio | 9.2344% | 4,464 |
| Tier 1 risk-based capital ratio | 14.3849% | 4,187 |
| Total risk-based capital ratio | 15.1308% | 4,529 |
| Memoranda: | ||
| Average total assets | $49,582,000 | 6,380 |
| Average earning assets | $44,528,500 | 6,383 |
| Average equity | $5,151,000 | 6,383 |
| Average total loans | $17,948,500 | 6,708 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 2,658 |
| Cost of funding earning assets | 1.3532% | 1,224 |
| Net interest margin | 3.6959% | 4,312 |
| Noninterest income to average assets | 0.1656% | 6,305 |
| Noninterest expense to average assets | 3.1597% | 3,000 |
| Loan and lease loss provision to assets | 0.2381% | 3,828 |
| Net operating income to assets | 0.0932% | 5,879 |
| Return on assets (ROA) | 0.5239% | 4,534 |
| Pretax return on assets | 0.5239% | 4,922 |
| Return on Equity (ROE) | 5.1373% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.1373% | 2,542 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5101% | 1,149 |
| Assets per employee ($millions) | 4.1530% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6666% | 1,117 |
| Loan loss allowance to noncurrent loans | 55.9666% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 3.6179% | 1,628 |
| Noncurrent loans to loans | 4.7646% | 1,221 |
| Net loans and leases to total assets | 34.3507% | 6,851 |
| Net loans and leases to deposits | 42.7569% | 6,776 |
| Net loans and leases to core deposits | 44.1576% | 6,810 |
| Total domestic deposits to total assets | 80.3395% | 5,650 |
| Equity capital to assets | 10.3339% | 3,738 |
| Core capital (leverage) ratio | 9.5614% | 3,933 |
| Tier 1 risk-based capital ratio | 14.5534% | 3,933 |
| Total risk-based capital ratio | 15.7856% | 3,921 |
| Memoranda: | ||
| Average total assets | $48,295,400 | 6,409 |
| Average earning assets | $43,453,400 | 6,404 |
| Average equity | $4,924,800 | 6,469 |
| Average total loans | $19,048,400 | 6,705 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 2,361 |
| Cost of funding earning assets | 1.4110% | 1,187 |
| Net interest margin | 3.7451% | 4,134 |
| Noninterest income to average assets | 0.1364% | 6,572 |
| Noninterest expense to average assets | 3.2393% | 2,699 |
| Loan and lease loss provision to assets | 0.2226% | 3,790 |
| Net operating income to assets | 0.0501% | 6,077 |
| Return on assets (ROA) | 0.4035% | 5,168 |
| Pretax return on assets | 0.4035% | 5,458 |
| Return on Equity (ROE) | 3.9710% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.9710% | 3,892 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2345% | 1,015 |
| Assets per employee ($millions) | 3.6722% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3799% | 1,569 |
| Loan loss allowance to noncurrent loans | 64.4874% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 3.4458% | 1,830 |
| Noncurrent loans to loans | 3.6905% | 1,849 |
| Net loans and leases to total assets | 37.2903% | 6,809 |
| Net loans and leases to deposits | 49.0778% | 6,562 |
| Net loans and leases to core deposits | 50.6775% | 6,640 |
| Total domestic deposits to total assets | 75.9819% | 6,535 |
| Equity capital to assets | 10.7941% | 3,368 |
| Core capital (leverage) ratio | 9.4324% | 4,251 |
| Tier 1 risk-based capital ratio | 15.3901% | 3,439 |
| Total risk-based capital ratio | 16.6427% | 3,414 |
| Memoranda: | ||
| Average total assets | $47,910,250 | 6,481 |
| Average earning assets | $43,184,500 | 6,474 |
| Average equity | $4,868,500 | 6,538 |
| Average total loans | $19,413,500 | 6,754 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 2,311 |
| Cost of funding earning assets | 1.4432% | 1,217 |
| Net interest margin | 3.7441% | 4,061 |
| Noninterest income to average assets | 0.0542% | 7,032 |
| Noninterest expense to average assets | 3.3773% | 2,324 |
| Loan and lease loss provision to assets | 0.2710% | 3,225 |
| Net operating income to assets | -0.2085% | 6,480 |
| Return on assets (ROA) | 0.2043% | 5,842 |
| Pretax return on assets | 0.2043% | 5,929 |
| Return on Equity (ROE) | 2.0529% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.0529% | 4,951 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1818% | 785 |
| Assets per employee ($millions) | 3.7552% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1833% | 1,955 |
| Loan loss allowance to noncurrent loans | 42.7988% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 3.1402% | 2,137 |
| Noncurrent loans to loans | 5.1013% | 1,272 |
| Net loans and leases to total assets | 38.4530% | 6,837 |
| Net loans and leases to deposits | 50.7351% | 6,550 |
| Net loans and leases to core deposits | 52.8997% | 6,619 |
| Total domestic deposits to total assets | 75.7917% | 6,631 |
| Equity capital to assets | 10.1172% | 3,995 |
| Core capital (leverage) ratio | 9.1682% | 4,460 |
| Tier 1 risk-based capital ratio | 14.0365% | 4,150 |
| Total risk-based capital ratio | 15.2835% | 4,120 |
| Memoranda: | ||
| Average total assets | $47,967,330 | 6,540 |
| Average earning assets | $43,375,000 | 6,526 |
| Average equity | $4,773,670 | 6,609 |
| Average total loans | $19,806,000 | 6,802 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 2,074 |
| Cost of funding earning assets | 1.4719% | 1,287 |
| Net interest margin | 3.7729% | 3,745 |
| Noninterest income to average assets | -0.2019% | 7,433 |
| Noninterest expense to average assets | 3.3991% | 2,283 |
| Loan and lease loss provision to assets | 0.4207% | 2,084 |
| Net operating income to assets | -0.6142% | 6,873 |
| Return on assets (ROA) | -0.4543% | 6,789 |
| Pretax return on assets | -0.4543% | 6,733 |
| Return on Equity (ROE) | -4.6046% | 6,786 |
| Retained earnings to average equity (ytd only) | -4.6046% | 6,484 |
| Net charge-offs to loans | -0.0398% | 6,817 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0367% | 574 |
| Assets per employee ($millions) | 3.6495% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 2,273 |
| Loan loss allowance to noncurrent loans | 40.9687% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 3.2565% | 2,108 |
| Noncurrent loans to loans | 5.0246% | 1,339 |
| Net loans and leases to total assets | 40.7162% | 6,728 |
| Net loans and leases to deposits | 51.4873% | 6,515 |
| Net loans and leases to core deposits | 54.2978% | 6,533 |
| Total domestic deposits to total assets | 79.0802% | 6,171 |
| Equity capital to assets | 9.8645% | 3,947 |
| Core capital (leverage) ratio | 9.1476% | 4,377 |
| Tier 1 risk-based capital ratio | 13.4811% | 4,431 |
| Total risk-based capital ratio | 14.7324% | 4,410 |
| Memoranda: | ||
| Average total assets | $47,542,000 | 6,596 |
| Average earning assets | $42,938,000 | 6,590 |
| Average equity | $4,691,000 | 6,657 |
| Average total loans | $20,113,500 | 6,836 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5043% | 2,266 |
| Cost of funding earning assets | 1.7724% | 1,286 |
| Net interest margin | 3.7320% | 4,221 |
| Noninterest income to average assets | -0.3524% | 7,526 |
| Noninterest expense to average assets | 3.1803% | 3,157 |
| Loan and lease loss provision to assets | 0.2638% | 4,683 |
| Net operating income to assets | -0.4157% | 6,330 |
| Return on assets (ROA) | 0.2849% | 5,145 |
| Pretax return on assets | 0.2279% | 5,416 |
| Return on Equity (ROE) | 2.9482% | 4,980 |
| Retained earnings to average equity (ytd only) | 2.9482% | 3,798 |
| Net charge-offs to loans | 1.0193% | 2,158 |
| Credit loss provision to net charge-offs | 60.9756% | 6,065 |
| Earnings coverage of net charge-offs (x) | -0.4829% | 6,447 |
| Efficiency ratio | 107.0313% | 603 |
| Assets per employee ($millions) | 3.9701% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 3,115 |
| Loan loss allowance to noncurrent loans | 68.0769% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.3866% | 2,882 |
| Noncurrent loans to loans | 2.5361% | 2,989 |
| Net loans and leases to total assets | 42.2955% | 6,836 |
| Net loans and leases to deposits | 53.8022% | 6,623 |
| Net loans and leases to core deposits | 58.1211% | 6,552 |
| Total domestic deposits to total assets | 78.6130% | 6,188 |
| Equity capital to assets | 9.8697% | 3,912 |
| Core capital (leverage) ratio | 9.1826% | 4,201 |
| Tier 1 risk-based capital ratio | 13.9296% | 3,910 |
| Total risk-based capital ratio | 15.0624% | 3,967 |
| Memoranda: | ||
| Average total assets | $47,385,200 | 6,624 |
| Average earning assets | $42,203,000 | 6,635 |
| Average equity | $4,579,000 | 6,792 |
| Average total loans | $20,112,200 | 6,918 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 2,257 |
| Cost of funding earning assets | 1.8034% | 1,403 |
| Net interest margin | 3.7465% | 4,202 |
| Noninterest income to average assets | -0.5804% | 7,692 |
| Noninterest expense to average assets | 3.2120% | 2,882 |
| Loan and lease loss provision to assets | 0.3240% | 3,994 |
| Net operating income to assets | -0.7917% | 6,791 |
| Return on assets (ROA) | -0.4424% | 6,595 |
| Pretax return on assets | -0.4424% | 6,510 |
| Return on Equity (ROE) | -4.6024% | 6,622 |
| Retained earnings to average equity (ytd only) | -4.6024% | 6,527 |
| Net charge-offs to loans | 0.7595% | 2,523 |
| Credit loss provision to net charge-offs | 100.8772% | 4,278 |
| Earnings coverage of net charge-offs (x) | -1.4561% | 6,501 |
| Efficiency ratio | 117.0431% | 422 |
| Assets per employee ($millions) | 3.9629% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1729% | 1,851 |
| Loan loss allowance to noncurrent loans | 3,954.5455% | 98 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 4,506 |
| Noncurrent loans to loans | 0.0549% | 7,107 |
| Net loans and leases to total assets | 41.1818% | 7,015 |
| Net loans and leases to deposits | 58.6505% | 6,416 |
| Net loans and leases to core deposits | 63.1253% | 6,365 |
| Total domestic deposits to total assets | 70.2155% | 7,262 |
| Equity capital to assets | 9.9716% | 4,194 |
| Core capital (leverage) ratio | 8.7974% | 5,017 |
| Tier 1 risk-based capital ratio | 12.7991% | 4,735 |
| Total risk-based capital ratio | 13.9844% | 4,769 |
| Memoranda: | ||
| Average total assets | $47,321,250 | 6,708 |
| Average earning assets | $41,993,750 | 6,724 |
| Average equity | $4,548,250 | 6,891 |
| Average total loans | $20,014,250 | 7,010 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 2,238 |
| Cost of funding earning assets | 1.8114% | 1,600 |
| Net interest margin | 3.7618% | 4,082 |
| Noninterest income to average assets | 0.3133% | 5,657 |
| Noninterest expense to average assets | 4.5128% | 569 |
| Loan and lease loss provision to assets | 0.4868% | 2,860 |
| Net operating income to assets | -1.3632% | 7,108 |
| Return on assets (ROA) | -0.8382% | 6,890 |
| Pretax return on assets | -0.8382% | 6,806 |
| Return on Equity (ROE) | -8.8321% | 6,923 |
| Retained earnings to average equity (ytd only) | -8.8321% | 6,857 |
| Net charge-offs to loans | 0.0600% | 5,554 |
| Credit loss provision to net charge-offs | 1,916.6667% | 212 |
| Earnings coverage of net charge-offs (x) | -34.5000% | 6,349 |
| Efficiency ratio | 124.0978% | 360 |
| Assets per employee ($millions) | 3.6442% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6864% | 1,106 |
| Loan loss allowance to noncurrent loans | 175.1613% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 1.8512% | 3,690 |
| Noncurrent loans to loans | 1.5337% | 4,416 |
| Net loans and leases to total assets | 41.5207% | 7,065 |
| Net loans and leases to deposits | 57.0062% | 6,655 |
| Net loans and leases to core deposits | 62.1230% | 6,538 |
| Total domestic deposits to total assets | 72.8353% | 7,113 |
| Equity capital to assets | 9.3005% | 5,006 |
| Core capital (leverage) ratio | 8.5423% | 5,342 |
| Tier 1 risk-based capital ratio | 12.3925% | 4,955 |
| Total risk-based capital ratio | 13.6474% | 4,931 |
| Memoranda: | ||
| Average total assets | $47,243,330 | 6,757 |
| Average earning assets | $41,735,670 | 6,787 |
| Average equity | $4,483,670 | 6,943 |
| Average total loans | $20,012,670 | 7,066 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 2,292 |
| Cost of funding earning assets | 1.8368% | 1,711 |
| Net interest margin | 3.7314% | 4,093 |
| Noninterest income to average assets | 0.3052% | 5,698 |
| Noninterest expense to average assets | 3.5610% | 1,817 |
| Loan and lease loss provision to assets | 0.9750% | 1,280 |
| Net operating income to assets | -0.9411% | 7,075 |
| Return on assets (ROA) | -0.0933% | 6,500 |
| Pretax return on assets | -0.0933% | 6,459 |
| Return on Equity (ROE) | -0.9729% | 6,525 |
| Retained earnings to average equity (ytd only) | -0.9729% | 6,042 |
| Net charge-offs to loans | 0.1004% | 4,413 |
| Credit loss provision to net charge-offs | 2,300.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 4,325 |
| Efficiency ratio | 99.0566% | 879 |
| Assets per employee ($millions) | 3.5991% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7738% | 1,015 |
| Loan loss allowance to noncurrent loans | 37.0572% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 5.0120% | 1,280 |
| Noncurrent loans to loans | 7.4852% | 768 |
| Net loans and leases to total assets | 40.7540% | 7,204 |
| Net loans and leases to deposits | 55.4689% | 6,812 |
| Net loans and leases to core deposits | 60.6469% | 6,700 |
| Total domestic deposits to total assets | 73.4718% | 7,109 |
| Equity capital to assets | 9.6691% | 4,271 |
| Core capital (leverage) ratio | 9.2120% | 4,202 |
| Tier 1 risk-based capital ratio | 13.3945% | 4,048 |
| Total risk-based capital ratio | 14.6492% | 4,012 |
| Memoranda: | ||
| Average total assets | $47,178,000 | 6,833 |
| Average earning assets | $41,593,500 | 6,876 |
| Average equity | $4,522,500 | 6,998 |
| Average total loans | $19,912,500 | 7,157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 3,251 |
| Cost of funding earning assets | 2.2167% | 1,960 |
| Net interest margin | 3.4536% | 5,156 |
| Noninterest income to average assets | 0.3375% | 5,676 |
| Noninterest expense to average assets | 3.1415% | 3,577 |
| Loan and lease loss provision to assets | 0.5531% | 3,603 |
| Net operating income to assets | -0.1456% | 5,759 |
| Return on assets (ROA) | -0.4514% | 6,126 |
| Pretax return on assets | -0.8032% | 6,265 |
| Return on Equity (ROE) | -5.3899% | 6,247 |
| Retained earnings to average equity (ytd only) | -5.3899% | 6,071 |
| Net charge-offs to loans | 0.6445% | 3,259 |
| Credit loss provision to net charge-offs | 206.0606% | 1,867 |
| Earnings coverage of net charge-offs (x) | 0.8485% | 5,262 |
| Efficiency ratio | 93.2408% | 1,466 |
| Assets per employee ($millions) | 3.6591% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1471% | 1,739 |
| Loan loss allowance to noncurrent loans | 7,233.3333% | 68 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 3,586 |
| Noncurrent loans to loans | 0.0297% | 7,357 |
| Net loans and leases to total assets | 41.5805% | 7,268 |
| Net loans and leases to deposits | 57.4036% | 6,818 |
| Net loans and leases to core deposits | 62.0440% | 7,191 |
| Total domestic deposits to total assets | 72.4353% | 7,208 |
| Equity capital to assets | 9.5043% | 4,409 |
| Core capital (leverage) ratio | 9.0496% | 4,346 |
| Tier 1 risk-based capital ratio | 13.0501% | 4,109 |
| Total risk-based capital ratio | 14.3003% | 4,057 |
| Memoranda: | ||
| Average total assets | $49,180,200 | 6,743 |
| Average earning assets | $43,172,400 | 6,805 |
| Average equity | $4,118,800 | 7,243 |
| Average total loans | $20,480,400 | 7,165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7404% | 3,136 |
| Cost of funding earning assets | 2.2858% | 2,040 |
| Net interest margin | 3.4547% | 5,053 |
| Noninterest income to average assets | 0.3200% | 5,919 |
| Noninterest expense to average assets | 3.0225% | 3,959 |
| Loan and lease loss provision to assets | 0.6723% | 2,723 |
| Net operating income to assets | -0.3388% | 6,252 |
| Return on assets (ROA) | -1.0944% | 6,898 |
| Pretax return on assets | -1.0944% | 6,755 |
| Return on Equity (ROE) | -13.5046% | 7,106 |
| Retained earnings to average equity (ytd only) | -13.5046% | 7,043 |
| Net charge-offs to loans | 0.8241% | 2,316 |
| Credit loss provision to net charge-offs | 196.8504% | 2,280 |
| Earnings coverage of net charge-offs (x) | 0.9764% | 5,080 |
| Efficiency ratio | 90.0641% | 1,684 |
| Assets per employee ($millions) | 3.6095% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0958% | 1,603 |
| Loan loss allowance to noncurrent loans | 6,950.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 2.7385% | 2,539 |
| Noncurrent loans to loans | 0.0302% | 7,444 |
| Net loans and leases to total assets | 41.5139% | 7,392 |
| Net loans and leases to deposits | 58.5953% | 6,930 |
| Net loans and leases to core deposits | 64.7714% | 7,213 |
| Total domestic deposits to total assets | 70.8486% | 7,344 |
| Equity capital to assets | 9.1851% | 5,190 |
| Core capital (leverage) ratio | 8.3585% | 5,736 |
| Tier 1 risk-based capital ratio | 12.5175% | 4,529 |
| Total risk-based capital ratio | 13.7652% | 4,482 |
| Memoranda: | ||
| Average total assets | $49,583,250 | 6,776 |
| Average earning assets | $43,572,750 | 6,836 |
| Average equity | $4,018,250 | 7,347 |
| Average total loans | $20,547,250 | 7,227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6958% | 3,560 |
| Cost of funding earning assets | 2.3117% | 2,308 |
| Net interest margin | 3.3841% | 5,240 |
| Noninterest income to average assets | 0.3249% | 5,915 |
| Noninterest expense to average assets | 2.9562% | 4,269 |
| Loan and lease loss provision to assets | 0.9114% | 1,853 |
| Net operating income to assets | -0.5667% | 6,615 |
| Return on assets (ROA) | -1.7714% | 7,346 |
| Pretax return on assets | -1.7714% | 7,205 |
| Return on Equity (ROE) | -22.8003% | 7,583 |
| Retained earnings to average equity (ytd only) | -22.8003% | 7,541 |
| Net charge-offs to loans | 0.7802% | 2,116 |
| Credit loss provision to net charge-offs | 283.9506% | 1,651 |
| Earnings coverage of net charge-offs (x) | 1.0741% | 4,716 |
| Efficiency ratio | 89.5558% | 1,852 |
| Assets per employee ($millions) | 4.2818% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1330% | 1,343 |
| Loan loss allowance to noncurrent loans | 66.9184% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 3.9859% | 1,493 |
| Noncurrent loans to loans | 3.1874% | 2,237 |
| Net loans and leases to total assets | 39.5594% | 7,569 |
| Net loans and leases to deposits | 53.8066% | 7,279 |
| Net loans and leases to core deposits | 59.4919% | 7,467 |
| Total domestic deposits to total assets | 73.5213% | 7,033 |
| Equity capital to assets | 7.4872% | 7,278 |
| Core capital (leverage) ratio | 7.9958% | 6,339 |
| Tier 1 risk-based capital ratio | 11.6749% | 5,222 |
| Total risk-based capital ratio | 12.9266% | 5,149 |
| Memoranda: | ||
| Average total assets | $50,469,670 | 6,803 |
| Average earning assets | $44,383,670 | 6,867 |
| Average equity | $3,921,000 | 7,445 |
| Average total loans | $20,764,000 | 7,280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9739% | 2,466 |
| Cost of funding earning assets | 2.4131% | 2,241 |
| Net interest margin | 3.5609% | 4,484 |
| Noninterest income to average assets | 0.2959% | 6,068 |
| Noninterest expense to average assets | 3.1031% | 3,364 |
| Loan and lease loss provision to assets | 1.7195% | 722 |
| Net operating income to assets | -1.3756% | 7,452 |
| Return on assets (ROA) | -2.2714% | 7,719 |
| Pretax return on assets | -2.2714% | 7,609 |
| Return on Equity (ROE) | -28.7014% | 7,895 |
| Retained earnings to average equity (ytd only) | -28.7014% | 7,842 |
| Net charge-offs to loans | 1.5798% | 918 |
| Credit loss provision to net charge-offs | 262.1951% | 1,803 |
| Earnings coverage of net charge-offs (x) | 0.5244% | 4,571 |
| Efficiency ratio | 90.0232% | 1,715 |
| Assets per employee ($millions) | 3.7600% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1463% | 1,151 |
| Loan loss allowance to noncurrent loans | 37.5880% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 4.2758% | 1,163 |
| Noncurrent loans to loans | 5.7100% | 867 |
| Net loans and leases to total assets | 39.8282% | 7,579 |
| Net loans and leases to deposits | 54.3359% | 7,268 |
| Net loans and leases to core deposits | 62.2797% | 7,379 |
| Total domestic deposits to total assets | 73.2999% | 7,006 |
| Equity capital to assets | 7.9153% | 6,940 |
| Core capital (leverage) ratio | 8.2227% | 6,052 |
| Tier 1 risk-based capital ratio | 12.0890% | 4,885 |
| Total risk-based capital ratio | 13.3256% | 4,789 |
| Memoranda: | ||
| Average total assets | $50,014,000 | 6,866 |
| Average earning assets | $44,259,000 | 6,917 |
| Average equity | $3,958,000 | 7,471 |
| Average total loans | $20,761,500 | 7,318 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0325% | 5,403 |
| Cost of funding earning assets | 3.0820% | 1,565 |
| Net interest margin | 2.9505% | 7,030 |
| Noninterest income to average assets | 0.3536% | 5,899 |
| Noninterest expense to average assets | 2.7011% | 5,262 |
| Loan and lease loss provision to assets | 0.6489% | 2,243 |
| Net operating income to assets | -0.2592% | 6,696 |
| Return on assets (ROA) | -0.5097% | 6,809 |
| Pretax return on assets | -0.6621% | 6,780 |
| Return on Equity (ROE) | -6.2073% | 6,975 |
| Retained earnings to average equity (ytd only) | -6.2073% | 6,687 |
| Net charge-offs to loans | 1.5024% | 773 |
| Credit loss provision to net charge-offs | 102.6786% | 5,190 |
| Earnings coverage of net charge-offs (x) | 0.4940% | 5,939 |
| Efficiency ratio | 89.6380% | 1,541 |
| Assets per employee ($millions) | 3.9345% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 3,426 |
| Loan loss allowance to noncurrent loans | 12.8665% | 7,455 |
| Noncurrent assets plus other real estate owned to assets | 4.6375% | 791 |
| Noncurrent loans to loans | 10.5650% | 186 |
| Net loans and leases to total assets | 41.7103% | 7,604 |
| Net loans and leases to deposits | 56.1214% | 7,311 |
| Net loans and leases to core deposits | 63.7902% | 7,455 |
| Total domestic deposits to total assets | 74.3216% | 6,596 |
| Equity capital to assets | 7.9123% | 6,951 |
| Core capital (leverage) ratio | 8.5741% | 5,437 |
| Tier 1 risk-based capital ratio | 11.8804% | 4,920 |
| Total risk-based capital ratio | 12.6673% | 5,222 |
| Memoranda: | ||
| Average total assets | $53,164,000 | 6,651 |
| Average earning assets | $47,923,600 | 6,670 |
| Average equity | $4,365,800 | 7,369 |
| Average total loans | $22,363,600 | 7,174 |