Home > Foundation One Bank > Performance and Condition Ratios
Foundation One Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,969 |
| Cost of funding earning assets | 2.1197% | 745 |
| Net interest margin | 2.9326% | 3,422 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.3515% | 2,717 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4455% | 3,774 |
| Return on assets (ROA) | 0.4455% | 3,779 |
| Pretax return on assets | 0.5758% | 3,679 |
| Return on Equity (ROE) | 4.2300% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.2291% | 2,884 |
| Net charge-offs to loans | -0.0165% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.2343% | 966 |
| Assets per employee ($millions) | 7.8055% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 1,989 |
| Loan loss allowance to noncurrent loans | 805.8559% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 2,673 |
| Noncurrent loans to loans | 0.1558% | 2,740 |
| Net loans and leases to total assets | 81.9500% | 438 |
| Net loans and leases to deposits | 100.4045% | 515 |
| Net loans and leases to core deposits | 120.5961% | 604 |
| Total domestic deposits to total assets | 81.6200% | 3,197 |
| Equity capital to assets | 10.5974% | 1,682 |
| Core capital (leverage) ratio | 10.2207% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $168,108,000 | 3,204 |
| Average earning assets | $158,938,800 | 3,175 |
| Average equity | $17,710,800 | 3,037 |
| Average total loans | $139,499,800 | 2,776 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 2,104 |
| Cost of funding earning assets | 1.8783% | 888 |
| Net interest margin | 3.0023% | 3,340 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.3699% | 2,595 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4792% | 3,805 |
| Return on assets (ROA) | 0.4792% | 3,811 |
| Pretax return on assets | 0.6236% | 3,698 |
| Return on Equity (ROE) | 4.5600% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.5558% | 3,081 |
| Net charge-offs to loans | -0.0221% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.9234% | 1,020 |
| Assets per employee ($millions) | 7.8766% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,081 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.9100% | 550 |
| Net loans and leases to deposits | 100.1042% | 512 |
| Net loans and leases to core deposits | 118.6299% | 590 |
| Total domestic deposits to total assets | 80.8300% | 3,414 |
| Equity capital to assets | 10.3119% | 1,640 |
| Core capital (leverage) ratio | 10.5103% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $167,204,750 | 3,219 |
| Average earning assets | $158,009,750 | 3,192 |
| Average equity | $17,589,000 | 3,033 |
| Average total loans | $138,746,000 | 2,790 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 2,039 |
| Cost of funding earning assets | 1.7193% | 861 |
| Net interest margin | 3.0594% | 3,303 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.3962% | 2,497 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.4335% | 3,936 |
| Return on assets (ROA) | 0.4335% | 3,944 |
| Pretax return on assets | 0.5630% | 3,863 |
| Return on Equity (ROE) | 4.0900% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.0924% | 3,196 |
| Net charge-offs to loans | -0.0334% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.6058% | 865 |
| Assets per employee ($millions) | 7.6285% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,155 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.6900% | 351 |
| Net loans and leases to deposits | 101.6950% | 445 |
| Net loans and leases to core deposits | 118.8583% | 542 |
| Total domestic deposits to total assets | 81.3100% | 3,376 |
| Equity capital to assets | 10.5078% | 1,600 |
| Core capital (leverage) ratio | 10.4308% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $165,177,667 | 3,247 |
| Average earning assets | $156,107,000 | 3,218 |
| Average equity | $17,495,667 | 3,064 |
| Average total loans | $137,664,000 | 2,797 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 1,975 |
| Cost of funding earning assets | 1.4796% | 880 |
| Net interest margin | 3.1684% | 3,192 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.3964% | 2,543 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5198% | 3,846 |
| Return on assets (ROA) | 0.5198% | 3,807 |
| Pretax return on assets | 0.6687% | 3,720 |
| Return on Equity (ROE) | 4.8700% | 3,908 |
| Retained earnings to average equity (ytd only) | 4.8733% | 3,045 |
| Net charge-offs to loans | -0.0646% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.7514% | 1,024 |
| Assets per employee ($millions) | 7.4668% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.5500% | 321 |
| Net loans and leases to deposits | 107.1934% | 226 |
| Net loans and leases to core deposits | 121.7433% | 394 |
| Total domestic deposits to total assets | 77.0100% | 4,080 |
| Equity capital to assets | 10.7366% | 1,439 |
| Core capital (leverage) ratio | 10.4807% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $163,909,500 | 3,302 |
| Average earning assets | $154,905,500 | 3,268 |
| Average equity | $17,483,000 | 3,094 |
| Average total loans | $136,228,000 | 2,838 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 1,621 |
| Cost of funding earning assets | 0.5040% | 1,362 |
| Net interest margin | 3.5341% | 1,826 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.4006% | 2,422 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 0.6917% | 3,637 |
| Return on assets (ROA) | 0.6917% | 3,590 |
| Pretax return on assets | 0.9093% | 3,330 |
| Return on Equity (ROE) | 6.9800% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.9777% | 2,254 |
| Net charge-offs to loans | 0.1919% | 426 |
| Credit loss provision to net charge-offs | 216.5354% | 1,070 |
| Earnings coverage of net charge-offs (x) | 8.0394% | 2,280 |
| Efficiency ratio | 65.8586% | 2,248 |
| Assets per employee ($millions) | 7.1108% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,648 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.7600% | 429 |
| Net loans and leases to deposits | 108.5870% | 186 |
| Net loans and leases to core deposits | 121.0859% | 352 |
| Total domestic deposits to total assets | 75.2900% | 4,296 |
| Equity capital to assets | 10.5956% | 1,409 |
| Core capital (leverage) ratio | 10.4334% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $164,085,600 | 3,314 |
| Average earning assets | $157,152,400 | 3,265 |
| Average equity | $16,266,200 | 3,250 |
| Average total loans | $132,336,000 | 2,796 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 1,529 |
| Cost of funding earning assets | 0.4065% | 1,246 |
| Net interest margin | 3.4750% | 1,737 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.4065% | 2,299 |
| Loan and lease loss provision to assets | 0.4300% | 126 |
| Net operating income to assets | 0.6211% | 3,782 |
| Return on assets (ROA) | 0.6211% | 3,738 |
| Pretax return on assets | 0.8151% | 3,542 |
| Return on Equity (ROE) | 6.3700% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.3746% | 2,606 |
| Net charge-offs to loans | 0.2705% | 248 |
| Credit loss provision to net charge-offs | 196.6292% | 986 |
| Earnings coverage of net charge-offs (x) | 5.7266% | 2,134 |
| Efficiency ratio | 65.9693% | 2,284 |
| Assets per employee ($millions) | 7.1739% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.9500% | 321 |
| Net loans and leases to deposits | 101.4672% | 318 |
| Net loans and leases to core deposits | 108.9048% | 504 |
| Total domestic deposits to total assets | 81.7500% | 3,876 |
| Equity capital to assets | 10.2412% | 1,495 |
| Core capital (leverage) ratio | 10.0138% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $164,219,750 | 3,337 |
| Average earning assets | $157,768,750 | 3,287 |
| Average equity | $16,000,500 | 3,319 |
| Average total loans | $131,603,000 | 2,812 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 1,545 |
| Cost of funding earning assets | 0.3691% | 1,115 |
| Net interest margin | 3.3291% | 1,821 |
| Noninterest income to average assets | 0.3659% | 2,950 |
| Noninterest expense to average assets | 2.4152% | 2,182 |
| Loan and lease loss provision to assets | 0.2464% | 297 |
| Net operating income to assets | 0.6892% | 3,344 |
| Return on assets (ROA) | 0.6892% | 3,298 |
| Pretax return on assets | 0.8953% | 3,082 |
| Return on Equity (ROE) | 7.1968% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.1968% | 1,921 |
| Net charge-offs to loans | 0.1546% | 415 |
| Credit loss provision to net charge-offs | 202.0000% | 961 |
| Earnings coverage of net charge-offs (x) | 9.3600% | 1,789 |
| Efficiency ratio | 67.9012% | 2,258 |
| Assets per employee ($millions) | 7.2661% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,473 |
| Loan loss allowance to noncurrent loans | 743.1694% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 2,941 |
| Noncurrent loans to loans | 0.1384% | 3,014 |
| Net loans and leases to total assets | 78.2851% | 539 |
| Net loans and leases to deposits | 92.3784% | 589 |
| Net loans and leases to core deposits | 99.1422% | 702 |
| Total domestic deposits to total assets | 84.7439% | 3,541 |
| Equity capital to assets | 9.4680% | 2,041 |
| Core capital (leverage) ratio | 9.2499% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,959,667 | 3,374 |
| Average earning assets | $157,158,333 | 3,335 |
| Average equity | $15,701,333 | 3,430 |
| Average total loans | $129,343,667 | 2,851 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 1,453 |
| Cost of funding earning assets | 0.3760% | 1,021 |
| Net interest margin | 3.2427% | 1,744 |
| Noninterest income to average assets | 0.4877% | 2,206 |
| Noninterest expense to average assets | 2.4363% | 2,054 |
| Loan and lease loss provision to assets | 0.3498% | 165 |
| Net operating income to assets | 0.6331% | 3,285 |
| Return on assets (ROA) | 0.6331% | 3,266 |
| Pretax return on assets | 0.8031% | 3,103 |
| Return on Equity (ROE) | 6.5727% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.5727% | 2,041 |
| Net charge-offs to loans | 0.3127% | 205 |
| Credit loss provision to net charge-offs | 142.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 4.6800% | 1,617 |
| Efficiency ratio | 67.8792% | 2,525 |
| Assets per employee ($millions) | 7.1177% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,733 |
| Loan loss allowance to noncurrent loans | 646.7662% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,957 |
| Noncurrent loans to loans | 0.1545% | 3,030 |
| Net loans and leases to total assets | 78.6654% | 327 |
| Net loans and leases to deposits | 93.2499% | 392 |
| Net loans and leases to core deposits | 100.4650% | 494 |
| Total domestic deposits to total assets | 84.3598% | 3,688 |
| Equity capital to assets | 9.5342% | 2,250 |
| Core capital (leverage) ratio | 9.1333% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,379,500 | 3,402 |
| Average earning assets | $155,304,500 | 3,363 |
| Average equity | $15,640,500 | 3,500 |
| Average total loans | $127,920,500 | 2,871 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 2,368 |
| Cost of funding earning assets | 0.4723% | 1,049 |
| Net interest margin | 3.1359% | 2,779 |
| Noninterest income to average assets | 0.8165% | 1,410 |
| Noninterest expense to average assets | 2.5382% | 2,064 |
| Loan and lease loss provision to assets | 0.5226% | 105 |
| Net operating income to assets | 0.6081% | 3,859 |
| Return on assets (ROA) | 0.6081% | 3,906 |
| Pretax return on assets | 0.7589% | 3,820 |
| Return on Equity (ROE) | 6.2817% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.2817% | 2,238 |
| Net charge-offs to loans | 0.4976% | 167 |
| Credit loss provision to net charge-offs | 126.9231% | 1,605 |
| Earnings coverage of net charge-offs (x) | 3.1123% | 2,560 |
| Efficiency ratio | 66.4511% | 2,202 |
| Assets per employee ($millions) | 6.7105% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,750 |
| Loan loss allowance to noncurrent loans | 411.1111% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 497 |
| Noncurrent loans to loans | 0.2433% | 2,756 |
| Net loans and leases to total assets | 77.3056% | 425 |
| Net loans and leases to deposits | 92.1419% | 461 |
| Net loans and leases to core deposits | 104.1265% | 407 |
| Total domestic deposits to total assets | 83.8985% | 3,589 |
| Equity capital to assets | 9.7316% | 2,908 |
| Core capital (leverage) ratio | 9.6372% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,867,200 | 3,413 |
| Average earning assets | $151,185,600 | 3,368 |
| Average equity | $15,282,600 | 3,607 |
| Average total loans | $130,630,400 | 2,846 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 2,531 |
| Cost of funding earning assets | 0.4973% | 1,060 |
| Net interest margin | 3.1128% | 3,022 |
| Noninterest income to average assets | 0.8913% | 1,276 |
| Noninterest expense to average assets | 2.5389% | 2,007 |
| Loan and lease loss provision to assets | 0.5431% | 97 |
| Net operating income to assets | 0.6400% | 3,926 |
| Return on assets (ROA) | 0.6400% | 3,985 |
| Pretax return on assets | 0.7954% | 3,900 |
| Return on Equity (ROE) | 6.6204% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.6204% | 2,574 |
| Net charge-offs to loans | 0.2528% | 324 |
| Credit loss provision to net charge-offs | 256.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 6.3080% | 2,186 |
| Efficiency ratio | 65.4772% | 2,175 |
| Assets per employee ($millions) | 6.3184% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,185 |
| Loan loss allowance to noncurrent loans | 69.0901% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 407 |
| Noncurrent loans to loans | 1.6735% | 602 |
| Net loans and leases to total assets | 79.7214% | 308 |
| Net loans and leases to deposits | 95.5448% | 362 |
| Net loans and leases to core deposits | 106.0241% | 406 |
| Total domestic deposits to total assets | 83.4388% | 3,596 |
| Equity capital to assets | 9.8259% | 3,082 |
| Core capital (leverage) ratio | 9.7875% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,070,750 | 3,454 |
| Average earning assets | $150,687,750 | 3,405 |
| Average equity | $15,185,000 | 3,663 |
| Average total loans | $131,847,750 | 2,869 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 2,617 |
| Cost of funding earning assets | 0.5154% | 1,117 |
| Net interest margin | 3.0846% | 3,077 |
| Noninterest income to average assets | 0.8484% | 1,396 |
| Noninterest expense to average assets | 2.5246% | 2,063 |
| Loan and lease loss provision to assets | 0.4656% | 119 |
| Net operating income to assets | 0.5409% | 4,132 |
| Return on assets (ROA) | 0.5409% | 4,178 |
| Pretax return on assets | 0.8203% | 3,820 |
| Return on Equity (ROE) | 5.6260% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.6260% | 2,952 |
| Net charge-offs to loans | 0.3750% | 225 |
| Credit loss provision to net charge-offs | 146.0000% | 1,177 |
| Earnings coverage of net charge-offs (x) | 4.0320% | 2,046 |
| Efficiency ratio | 66.2538% | 2,112 |
| Assets per employee ($millions) | 6.5187% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,165 |
| Loan loss allowance to noncurrent loans | 44.1252% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.6660% | 311 |
| Noncurrent loans to loans | 2.0294% | 476 |
| Net loans and leases to total assets | 81.3565% | 245 |
| Net loans and leases to deposits | 102.9163% | 203 |
| Net loans and leases to core deposits | 118.5902% | 237 |
| Total domestic deposits to total assets | 79.0511% | 4,338 |
| Equity capital to assets | 9.3313% | 3,482 |
| Core capital (leverage) ratio | 9.5097% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,774,333 | 3,461 |
| Average earning assets | $150,554,333 | 3,410 |
| Average equity | $15,073,000 | 3,674 |
| Average total loans | $133,330,000 | 2,857 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 2,191 |
| Cost of funding earning assets | 0.5474% | 1,115 |
| Net interest margin | 3.2218% | 2,630 |
| Noninterest income to average assets | 0.9266% | 1,263 |
| Noninterest expense to average assets | 2.5612% | 1,988 |
| Loan and lease loss provision to assets | 0.1692% | 737 |
| Net operating income to assets | 0.9474% | 2,977 |
| Return on assets (ROA) | 0.9474% | 3,068 |
| Pretax return on assets | 1.2910% | 2,592 |
| Return on Equity (ROE) | 9.7028% | 2,787 |
| Retained earnings to average equity (ytd only) | 9.7028% | 1,741 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6893% | 2,503 |
| Assets per employee ($millions) | 6.3980% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 4,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 82.4171% | 209 |
| Net loans and leases to deposits | 107.3938% | 156 |
| Net loans and leases to core deposits | 126.0574% | 184 |
| Total domestic deposits to total assets | 76.7429% | 4,538 |
| Equity capital to assets | 9.4823% | 3,220 |
| Core capital (leverage) ratio | 9.7113% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,677,500 | 3,493 |
| Average earning assets | $147,617,500 | 3,446 |
| Average equity | $15,006,000 | 3,687 |
| Average total loans | $133,103,500 | 2,864 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 2,513 |
| Cost of funding earning assets | 0.9315% | 762 |
| Net interest margin | 3.1390% | 3,527 |
| Noninterest income to average assets | 1.0383% | 980 |
| Noninterest expense to average assets | 2.7160% | 2,192 |
| Loan and lease loss provision to assets | 0.2027% | 1,937 |
| Net operating income to assets | 0.8428% | 2,927 |
| Return on assets (ROA) | 0.8428% | 3,061 |
| Pretax return on assets | 1.1117% | 2,646 |
| Return on Equity (ROE) | 8.1995% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.1995% | 996 |
| Net charge-offs to loans | 0.0406% | 2,245 |
| Credit loss provision to net charge-offs | 581.2500% | 1,126 |
| Earnings coverage of net charge-offs (x) | 37.6875% | 1,434 |
| Efficiency ratio | 67.3878% | 2,315 |
| Assets per employee ($millions) | 5.6694% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 4,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 89.6509% | 33 |
| Net loans and leases to deposits | 120.0035% | 77 |
| Net loans and leases to core deposits | 144.4330% | 105 |
| Total domestic deposits to total assets | 74.7069% | 4,595 |
| Equity capital to assets | 10.0710% | 3,065 |
| Core capital (leverage) ratio | 10.1632% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,628,600 | 3,543 |
| Average earning assets | $131,189,000 | 3,488 |
| Average equity | $14,147,200 | 3,739 |
| Average total loans | $118,142,800 | 3,004 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,688 |
| Cost of funding earning assets | 0.9719% | 842 |
| Net interest margin | 3.1230% | 3,681 |
| Noninterest income to average assets | 1.0149% | 1,001 |
| Noninterest expense to average assets | 2.7409% | 2,139 |
| Loan and lease loss provision to assets | 0.2308% | 1,759 |
| Net operating income to assets | 0.7792% | 3,169 |
| Return on assets (ROA) | 0.7792% | 3,285 |
| Pretax return on assets | 1.0129% | 3,021 |
| Return on Equity (ROE) | 7.5383% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.5383% | 1,484 |
| Net charge-offs to loans | 0.0560% | 1,810 |
| Credit loss provision to net charge-offs | 487.5000% | 1,305 |
| Earnings coverage of net charge-offs (x) | 26.2708% | 1,699 |
| Efficiency ratio | 68.7871% | 2,073 |
| Assets per employee ($millions) | 6.0165% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7597% | 4,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 86.6872% | 123 |
| Net loans and leases to deposits | 125.6619% | 76 |
| Net loans and leases to core deposits | 151.7033% | 109 |
| Total domestic deposits to total assets | 68.9845% | 4,788 |
| Equity capital to assets | 9.2682% | 3,890 |
| Core capital (leverage) ratio | 9.9388% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,184,750 | 3,560 |
| Average earning assets | $128,547,000 | 3,509 |
| Average equity | $13,972,750 | 3,765 |
| Average total loans | $114,370,500 | 3,052 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 2,768 |
| Cost of funding earning assets | 1.0789% | 762 |
| Net interest margin | 3.1198% | 3,862 |
| Noninterest income to average assets | 0.9196% | 1,124 |
| Noninterest expense to average assets | 2.8508% | 1,973 |
| Loan and lease loss provision to assets | 0.2638% | 1,611 |
| Net operating income to assets | 0.5730% | 3,824 |
| Return on assets (ROA) | 0.5730% | 3,899 |
| Pretax return on assets | 0.7666% | 3,680 |
| Return on Equity (ROE) | 5.3197% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.3197% | 2,341 |
| Net charge-offs to loans | 0.0898% | 1,352 |
| Credit loss provision to net charge-offs | 352.0833% | 1,510 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,979 |
| Efficiency ratio | 73.4513% | 1,513 |
| Assets per employee ($millions) | 6.2328% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 4,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 84.7665% | 198 |
| Net loans and leases to deposits | 122.7546% | 81 |
| Net loans and leases to core deposits | 144.7607% | 135 |
| Total domestic deposits to total assets | 69.0536% | 4,819 |
| Equity capital to assets | 9.0405% | 4,058 |
| Core capital (leverage) ratio | 9.0469% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,103,667 | 3,617 |
| Average earning assets | $121,609,667 | 3,581 |
| Average equity | $13,797,667 | 3,791 |
| Average total loans | $106,947,000 | 3,138 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 2,350 |
| Cost of funding earning assets | 1.2605% | 633 |
| Net interest margin | 3.2254% | 3,795 |
| Noninterest income to average assets | 0.6302% | 1,903 |
| Noninterest expense to average assets | 3.0671% | 1,728 |
| Loan and lease loss provision to assets | 0.2276% | 1,362 |
| Net operating income to assets | 0.3116% | 4,320 |
| Return on assets (ROA) | 0.3116% | 4,345 |
| Pretax return on assets | 0.3816% | 4,326 |
| Return on Equity (ROE) | 2.6075% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.6075% | 3,220 |
| Net charge-offs to loans | 0.2045% | 674 |
| Credit loss provision to net charge-offs | 135.4167% | 1,640 |
| Earnings coverage of net charge-offs (x) | 3.6250% | 2,195 |
| Efficiency ratio | 83.4286% | 869 |
| Assets per employee ($millions) | 4.9191% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.4981% | 503 |
| Net loans and leases to deposits | 98.0355% | 709 |
| Net loans and leases to core deposits | 118.7019% | 508 |
| Total domestic deposits to total assets | 83.1312% | 3,069 |
| Equity capital to assets | 11.6688% | 2,314 |
| Core capital (leverage) ratio | 11.4785% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,245,000 | 3,785 |
| Average earning assets | $107,892,500 | 3,752 |
| Average equity | $13,653,000 | 3,817 |
| Average total loans | $93,892,000 | 3,322 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8150% | 1,996 |
| Cost of funding earning assets | 1.3857% | 593 |
| Net interest margin | 3.4293% | 3,652 |
| Noninterest income to average assets | 0.3757% | 3,450 |
| Noninterest expense to average assets | 3.0391% | 1,912 |
| Loan and lease loss provision to assets | 0.2308% | 829 |
| Net operating income to assets | 0.2133% | 4,829 |
| Return on assets (ROA) | 0.2133% | 4,852 |
| Pretax return on assets | 0.3342% | 4,785 |
| Return on Equity (ROE) | 1.7248% | 4,832 |
| Retained earnings to average equity (ytd only) | 1.7248% | 4,118 |
| Net charge-offs to loans | 0.1344% | 1,437 |
| Credit loss provision to net charge-offs | 204.9180% | 1,296 |
| Earnings coverage of net charge-offs (x) | 5.0164% | 3,143 |
| Efficiency ratio | 84.3238% | 638 |
| Assets per employee ($millions) | 4.6013% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 3,779 |
| Loan loss allowance to noncurrent loans | 160.6403% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 2,491 |
| Noncurrent loans to loans | 0.5854% | 2,430 |
| Net loans and leases to total assets | 81.3596% | 636 |
| Net loans and leases to deposits | 99.0945% | 659 |
| Net loans and leases to core deposits | 120.4028% | 468 |
| Total domestic deposits to total assets | 82.1030% | 3,484 |
| Equity capital to assets | 12.2519% | 1,976 |
| Core capital (leverage) ratio | 11.5514% | 2,073 |
| Tier 1 risk-based capital ratio | 14.6912% | 2,914 |
| Total risk-based capital ratio | 15.6674% | 2,972 |
| Memoranda: | ||
| Average total assets | $108,323,000 | 3,855 |
| Average earning assets | $101,973,200 | 3,837 |
| Average equity | $13,392,800 | 3,843 |
| Average total loans | $90,764,000 | 3,379 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 1,911 |
| Cost of funding earning assets | 1.3861% | 597 |
| Net interest margin | 3.4850% | 3,608 |
| Noninterest income to average assets | 0.3624% | 3,554 |
| Noninterest expense to average assets | 3.0452% | 1,845 |
| Loan and lease loss provision to assets | 0.3092% | 470 |
| Net operating income to assets | 0.1657% | 4,974 |
| Return on assets (ROA) | 0.1657% | 4,987 |
| Pretax return on assets | 0.2857% | 4,918 |
| Return on Equity (ROE) | 1.3374% | 4,984 |
| Retained earnings to average equity (ytd only) | 1.3374% | 4,478 |
| Net charge-offs to loans | 0.1792% | 949 |
| Credit loss provision to net charge-offs | 204.9180% | 1,286 |
| Earnings coverage of net charge-offs (x) | 3.9427% | 3,060 |
| Efficiency ratio | 83.6561% | 636 |
| Assets per employee ($millions) | 4.5569% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,823 |
| Loan loss allowance to noncurrent loans | 260.0610% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,350 |
| Noncurrent loans to loans | 0.3658% | 3,240 |
| Net loans and leases to total assets | 81.1978% | 685 |
| Net loans and leases to deposits | 100.0800% | 628 |
| Net loans and leases to core deposits | 119.5359% | 551 |
| Total domestic deposits to total assets | 81.1329% | 3,716 |
| Equity capital to assets | 12.2864% | 2,052 |
| Core capital (leverage) ratio | 11.6134% | 2,135 |
| Tier 1 risk-based capital ratio | 14.4725% | 3,088 |
| Total risk-based capital ratio | 15.4424% | 3,137 |
| Memoranda: | ||
| Average total assets | $107,795,750 | 3,901 |
| Average earning assets | $101,384,750 | 3,890 |
| Average equity | $13,358,500 | 3,875 |
| Average total loans | $90,780,000 | 3,422 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 1,713 |
| Cost of funding earning assets | 1.3525% | 640 |
| Net interest margin | 3.5605% | 3,398 |
| Noninterest income to average assets | 0.3151% | 3,822 |
| Noninterest expense to average assets | 3.0931% | 1,750 |
| Loan and lease loss provision to assets | 0.1492% | 1,229 |
| Net operating income to assets | 0.3151% | 4,857 |
| Return on assets (ROA) | 0.3151% | 4,869 |
| Pretax return on assets | 0.4251% | 4,799 |
| Return on Equity (ROE) | 2.5352% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.5352% | 3,931 |
| Net charge-offs to loans | 0.2238% | 752 |
| Credit loss provision to net charge-offs | 78.4314% | 2,238 |
| Earnings coverage of net charge-offs (x) | 3.0196% | 2,884 |
| Efficiency ratio | 84.3416% | 634 |
| Assets per employee ($millions) | 4.5553% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 4,522 |
| Loan loss allowance to noncurrent loans | 3,510.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 4,697 |
| Noncurrent loans to loans | 0.0221% | 4,614 |
| Net loans and leases to total assets | 82.0447% | 605 |
| Net loans and leases to deposits | 101.8405% | 550 |
| Net loans and leases to core deposits | 120.3728% | 534 |
| Total domestic deposits to total assets | 80.5620% | 3,923 |
| Equity capital to assets | 12.3117% | 1,976 |
| Core capital (leverage) ratio | 11.6996% | 2,023 |
| Tier 1 risk-based capital ratio | 15.2041% | 2,751 |
| Total risk-based capital ratio | 16.0395% | 2,849 |
| Memoranda: | ||
| Average total assets | $107,272,670 | 3,938 |
| Average earning assets | $100,997,670 | 3,917 |
| Average equity | $13,332,330 | 3,881 |
| Average total loans | $91,155,000 | 3,430 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 1,713 |
| Cost of funding earning assets | 1.2592% | 745 |
| Net interest margin | 3.6057% | 3,234 |
| Noninterest income to average assets | 0.2861% | 3,965 |
| Noninterest expense to average assets | 3.1286% | 1,665 |
| Loan and lease loss provision to assets | 0.0376% | 2,873 |
| Net operating income to assets | 0.3727% | 4,785 |
| Return on assets (ROA) | 0.3727% | 4,790 |
| Pretax return on assets | 0.5158% | 4,649 |
| Return on Equity (ROE) | 2.9845% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.9845% | 3,739 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9693% | 649 |
| Assets per employee ($millions) | 4.2928% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,475 |
| Loan loss allowance to noncurrent loans | 427.3256% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 4,006 |
| Noncurrent loans to loans | 0.1904% | 3,905 |
| Net loans and leases to total assets | 83.5015% | 421 |
| Net loans and leases to deposits | 105.3676% | 341 |
| Net loans and leases to core deposits | 126.1817% | 379 |
| Total domestic deposits to total assets | 79.2478% | 4,308 |
| Equity capital to assets | 12.4265% | 1,779 |
| Core capital (leverage) ratio | 12.0694% | 1,732 |
| Tier 1 risk-based capital ratio | 15.2549% | 2,771 |
| Total risk-based capital ratio | 16.1384% | 2,855 |
| Memoranda: | ||
| Average total assets | $106,245,500 | 3,999 |
| Average earning assets | $100,063,000 | 3,968 |
| Average equity | $13,268,500 | 3,909 |
| Average total loans | $91,533,000 | 3,461 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 2,237 |
| Cost of funding earning assets | 0.9931% | 777 |
| Net interest margin | 3.5749% | 3,465 |
| Noninterest income to average assets | 0.2978% | 4,115 |
| Noninterest expense to average assets | 2.9960% | 2,052 |
| Loan and lease loss provision to assets | 0.0592% | 2,981 |
| Net operating income to assets | 0.4229% | 4,824 |
| Return on assets (ROA) | 0.4229% | 4,818 |
| Pretax return on assets | 0.5907% | 4,648 |
| Return on Equity (ROE) | 3.3667% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.3667% | 3,732 |
| Net charge-offs to loans | 0.0268% | 2,877 |
| Credit loss provision to net charge-offs | 254.1667% | 1,174 |
| Earnings coverage of net charge-offs (x) | 27.9167% | 1,672 |
| Efficiency ratio | 82.1761% | 790 |
| Assets per employee ($millions) | 4.5727% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,601 |
| Loan loss allowance to noncurrent loans | 420.9302% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,008 |
| Noncurrent loans to loans | 0.1855% | 3,913 |
| Net loans and leases to total assets | 87.4700% | 139 |
| Net loans and leases to deposits | 112.0634% | 207 |
| Net loans and leases to core deposits | 124.6008% | 423 |
| Total domestic deposits to total assets | 78.0540% | 4,483 |
| Equity capital to assets | 12.5518% | 1,557 |
| Core capital (leverage) ratio | 11.6222% | 2,008 |
| Tier 1 risk-based capital ratio | 13.6729% | 3,455 |
| Total risk-based capital ratio | 14.4649% | 3,603 |
| Memoranda: | ||
| Average total assets | $103,104,400 | 4,054 |
| Average earning assets | $96,563,200 | 4,026 |
| Average equity | $12,950,400 | 3,890 |
| Average total loans | $89,523,600 | 3,486 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 2,272 |
| Cost of funding earning assets | 0.9140% | 871 |
| Net interest margin | 3.5934% | 3,393 |
| Noninterest income to average assets | 0.3002% | 4,140 |
| Noninterest expense to average assets | 2.9217% | 2,247 |
| Loan and lease loss provision to assets | 0.0585% | 2,803 |
| Net operating income to assets | 0.4952% | 4,770 |
| Return on assets (ROA) | 0.4952% | 4,775 |
| Pretax return on assets | 0.6771% | 4,587 |
| Return on Equity (ROE) | 3.9417% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.9417% | 3,805 |
| Net charge-offs to loans | 0.0030% | 3,367 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 282.6404% | 324 |
| Efficiency ratio | 79.8863% | 952 |
| Assets per employee ($millions) | 4.3864% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 4,604 |
| Loan loss allowance to noncurrent loans | 98.2503% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 2,084 |
| Noncurrent loans to loans | 0.8186% | 2,069 |
| Net loans and leases to total assets | 85.5235% | 312 |
| Net loans and leases to deposits | 108.5375% | 335 |
| Net loans and leases to core deposits | 125.7247% | 417 |
| Total domestic deposits to total assets | 78.7963% | 4,361 |
| Equity capital to assets | 12.4656% | 1,614 |
| Core capital (leverage) ratio | 11.8610% | 1,871 |
| Tier 1 risk-based capital ratio | 14.4309% | 3,157 |
| Total risk-based capital ratio | 15.2759% | 3,269 |
| Memoranda: | ||
| Average total assets | $102,587,500 | 4,099 |
| Average earning assets | $95,840,750 | 4,080 |
| Average equity | $12,887,750 | 3,927 |
| Average total loans | $88,725,000 | 3,531 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 2,261 |
| Cost of funding earning assets | 0.8835% | 780 |
| Net interest margin | 3.5655% | 3,423 |
| Noninterest income to average assets | 0.3363% | 3,935 |
| Noninterest expense to average assets | 2.9639% | 2,156 |
| Loan and lease loss provision to assets | 0.0492% | 2,934 |
| Net operating income to assets | 0.4759% | 4,804 |
| Return on assets (ROA) | 0.4759% | 4,809 |
| Pretax return on assets | 0.6648% | 4,604 |
| Return on Equity (ROE) | 3.7785% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.7785% | 3,711 |
| Net charge-offs to loans | 0.0068% | 2,893 |
| Credit loss provision to net charge-offs | 833.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 613 |
| Efficiency ratio | 80.5882% | 952 |
| Assets per employee ($millions) | 4.8796% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 85.9882% | 264 |
| Net loans and leases to deposits | 113.8146% | 199 |
| Net loans and leases to core deposits | 134.1305% | 261 |
| Total domestic deposits to total assets | 75.5511% | 4,899 |
| Equity capital to assets | 12.6709% | 1,457 |
| Core capital (leverage) ratio | 12.1843% | 1,599 |
| Tier 1 risk-based capital ratio | 14.1294% | 3,297 |
| Total risk-based capital ratio | 14.9434% | 3,420 |
| Memoranda: | ||
| Average total assets | $101,692,000 | 4,150 |
| Average earning assets | $95,301,330 | 4,124 |
| Average equity | $12,809,330 | 3,957 |
| Average total loans | $88,045,330 | 3,564 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,267 |
| Cost of funding earning assets | 0.8877% | 639 |
| Net interest margin | 3.4919% | 3,563 |
| Noninterest income to average assets | 0.3159% | 4,042 |
| Noninterest expense to average assets | 2.7285% | 2,947 |
| Loan and lease loss provision to assets | 0.0987% | 1,873 |
| Net operating income to assets | 0.5646% | 4,529 |
| Return on assets (ROA) | 0.5646% | 4,532 |
| Pretax return on assets | 0.7660% | 4,235 |
| Return on Equity (ROE) | 4.4961% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.4961% | 3,400 |
| Net charge-offs to loans | 0.0091% | 2,412 |
| Credit loss provision to net charge-offs | 1,250.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 571 |
| Efficiency ratio | 75.9341% | 1,600 |
| Assets per employee ($millions) | 4.8695% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,785 |
| Loan loss allowance to noncurrent loans | 452.2293% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 4,311 |
| Noncurrent loans to loans | 0.1774% | 4,173 |
| Net loans and leases to total assets | 85.8418% | 272 |
| Net loans and leases to deposits | 113.0907% | 190 |
| Net loans and leases to core deposits | 131.7954% | 306 |
| Total domestic deposits to total assets | 75.9053% | 4,968 |
| Equity capital to assets | 12.6238% | 1,419 |
| Core capital (leverage) ratio | 12.0252% | 1,637 |
| Tier 1 risk-based capital ratio | 13.9065% | 3,428 |
| Total risk-based capital ratio | 14.7130% | 3,598 |
| Memoranda: | ||
| Average total assets | $101,302,500 | 4,207 |
| Average earning assets | $95,076,000 | 4,170 |
| Average equity | $12,722,000 | 4,011 |
| Average total loans | $87,657,000 | 3,593 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 2,053 |
| Cost of funding earning assets | 0.7160% | 945 |
| Net interest margin | 3.6751% | 2,893 |
| Noninterest income to average assets | 0.7641% | 1,715 |
| Noninterest expense to average assets | 3.0472% | 2,026 |
| Loan and lease loss provision to assets | 0.2040% | 1,010 |
| Net operating income to assets | 0.5845% | 4,081 |
| Return on assets (ROA) | 0.5845% | 4,120 |
| Pretax return on assets | 0.9975% | 3,580 |
| Return on Equity (ROE) | 4.8482% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.8482% | 2,221 |
| Net charge-offs to loans | 0.1533% | 1,576 |
| Credit loss provision to net charge-offs | 154.6154% | 1,735 |
| Earnings coverage of net charge-offs (x) | 9.1077% | 2,827 |
| Efficiency ratio | 71.7220% | 2,269 |
| Assets per employee ($millions) | 4.7784% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,852 |
| Loan loss allowance to noncurrent loans | 1,347.0588% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,877 |
| Noncurrent loans to loans | 0.0587% | 4,733 |
| Net loans and leases to total assets | 85.8390% | 268 |
| Net loans and leases to deposits | 109.6436% | 279 |
| Net loans and leases to core deposits | 126.5831% | 418 |
| Total domestic deposits to total assets | 78.2891% | 4,669 |
| Equity capital to assets | 12.4918% | 1,523 |
| Core capital (leverage) ratio | 11.8443% | 1,697 |
| Tier 1 risk-based capital ratio | 13.5798% | 3,580 |
| Total risk-based capital ratio | 14.3651% | 3,752 |
| Memoranda: | ||
| Average total assets | $98,549,800 | 4,262 |
| Average earning assets | $93,440,400 | 4,212 |
| Average equity | $11,880,600 | 4,160 |
| Average total loans | $84,827,000 | 3,641 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,206 |
| Cost of funding earning assets | 0.7009% | 962 |
| Net interest margin | 3.6201% | 3,068 |
| Noninterest income to average assets | 0.9310% | 1,187 |
| Noninterest expense to average assets | 3.1273% | 1,728 |
| Loan and lease loss provision to assets | 0.2433% | 717 |
| Net operating income to assets | 0.5803% | 4,457 |
| Return on assets (ROA) | 0.5803% | 4,496 |
| Pretax return on assets | 1.0071% | 3,658 |
| Return on Equity (ROE) | 4.8589% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.8589% | 2,981 |
| Net charge-offs to loans | 0.2008% | 1,061 |
| Credit loss provision to net charge-offs | 140.9449% | 1,768 |
| Earnings coverage of net charge-offs (x) | 7.2441% | 2,900 |
| Efficiency ratio | 71.4374% | 2,297 |
| Assets per employee ($millions) | 4.7515% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,978 |
| Loan loss allowance to noncurrent loans | 1,309.8039% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,973 |
| Noncurrent loans to loans | 0.0587% | 4,850 |
| Net loans and leases to total assets | 86.4082% | 232 |
| Net loans and leases to deposits | 109.7758% | 282 |
| Net loans and leases to core deposits | 127.1948% | 383 |
| Total domestic deposits to total assets | 78.7134% | 4,590 |
| Equity capital to assets | 12.4382% | 1,690 |
| Core capital (leverage) ratio | 11.7553% | 1,844 |
| Tier 1 risk-based capital ratio | 13.8447% | 3,513 |
| Total risk-based capital ratio | 14.6345% | 3,691 |
| Memoranda: | ||
| Average total assets | $98,100,750 | 4,312 |
| Average earning assets | $93,401,750 | 4,251 |
| Average equity | $11,717,000 | 4,230 |
| Average total loans | $84,328,000 | 3,678 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 2,304 |
| Cost of funding earning assets | 0.6858% | 956 |
| Net interest margin | 3.5608% | 3,181 |
| Noninterest income to average assets | 0.9493% | 1,133 |
| Noninterest expense to average assets | 3.0777% | 1,890 |
| Loan and lease loss provision to assets | 0.1907% | 975 |
| Net operating income to assets | 0.6418% | 4,121 |
| Return on assets (ROA) | 0.6418% | 4,168 |
| Pretax return on assets | 1.0662% | 3,311 |
| Return on Equity (ROE) | 5.4503% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.4503% | 2,439 |
| Net charge-offs to loans | 0.0599% | 2,075 |
| Credit loss provision to net charge-offs | 372.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 24.5200% | 1,638 |
| Efficiency ratio | 71.0028% | 2,513 |
| Assets per employee ($millions) | 3.7786% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,983 |
| Loan loss allowance to noncurrent loans | 296.1039% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,239 |
| Noncurrent loans to loans | 0.2655% | 4,090 |
| Net loans and leases to total assets | 84.6218% | 381 |
| Net loans and leases to deposits | 107.3754% | 342 |
| Net loans and leases to core deposits | 120.0473% | 557 |
| Total domestic deposits to total assets | 78.8093% | 4,659 |
| Equity capital to assets | 12.0583% | 1,892 |
| Core capital (leverage) ratio | 11.8587% | 1,721 |
| Tier 1 risk-based capital ratio | 13.1444% | 3,920 |
| Total risk-based capital ratio | 13.9192% | 4,117 |
| Memoranda: | ||
| Average total assets | $97,540,670 | 4,350 |
| Average earning assets | $92,732,000 | 4,296 |
| Average equity | $11,485,670 | 4,278 |
| Average total loans | $83,475,000 | 3,705 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 2,239 |
| Cost of funding earning assets | 0.6914% | 876 |
| Net interest margin | 3.5189% | 3,206 |
| Noninterest income to average assets | 0.8059% | 1,530 |
| Noninterest expense to average assets | 2.8709% | 2,547 |
| Loan and lease loss provision to assets | 0.0756% | 2,295 |
| Net operating income to assets | 0.7807% | 3,306 |
| Return on assets (ROA) | 0.7807% | 3,363 |
| Pretax return on assets | 1.1920% | 2,625 |
| Return on Equity (ROE) | 6.7163% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.7163% | 1,968 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3712% | 2,988 |
| Assets per employee ($millions) | 3.6027% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 5,139 |
| Loan loss allowance to noncurrent loans | 248.6275% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 4,166 |
| Noncurrent loans to loans | 0.3107% | 4,012 |
| Net loans and leases to total assets | 83.7199% | 399 |
| Net loans and leases to deposits | 105.4857% | 338 |
| Net loans and leases to core deposits | 121.5826% | 423 |
| Total domestic deposits to total assets | 79.3661% | 4,754 |
| Equity capital to assets | 12.5134% | 1,522 |
| Core capital (leverage) ratio | 12.0463% | 1,596 |
| Tier 1 risk-based capital ratio | 13.5282% | 3,761 |
| Total risk-based capital ratio | 14.2746% | 3,967 |
| Memoranda: | ||
| Average total assets | $95,300,500 | 4,434 |
| Average earning assets | $90,254,500 | 4,390 |
| Average equity | $11,077,500 | 4,369 |
| Average total loans | $81,704,500 | 3,776 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,475 |
| Cost of funding earning assets | 0.7173% | 753 |
| Net interest margin | 3.4864% | 3,488 |
| Noninterest income to average assets | 2.2627% | 287 |
| Noninterest expense to average assets | 4.3547% | 426 |
| Loan and lease loss provision to assets | 0.1415% | 1,764 |
| Net operating income to assets | 0.6747% | 3,893 |
| Return on assets (ROA) | 0.6747% | 4,006 |
| Pretax return on assets | 1.0746% | 3,198 |
| Return on Equity (ROE) | 6.3597% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.3597% | 1,521 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1696% | 1,671 |
| Assets per employee ($millions) | 3.3332% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 5,219 |
| Loan loss allowance to noncurrent loans | 308.0000% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 4,455 |
| Noncurrent loans to loans | 0.2459% | 4,272 |
| Net loans and leases to total assets | 86.4929% | 208 |
| Net loans and leases to deposits | 108.5512% | 260 |
| Net loans and leases to core deposits | 120.0574% | 481 |
| Total domestic deposits to total assets | 79.6794% | 4,638 |
| Equity capital to assets | 10.6966% | 2,929 |
| Core capital (leverage) ratio | 10.0285% | 3,451 |
| Tier 1 risk-based capital ratio | 11.5612% | 5,014 |
| Total risk-based capital ratio | 12.3279% | 5,196 |
| Memoranda: | ||
| Average total assets | $85,517,000 | 4,625 |
| Average earning assets | $81,142,800 | 4,565 |
| Average equity | $9,072,800 | 4,746 |
| Average total loans | $72,507,400 | 3,976 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 2,807 |
| Cost of funding earning assets | 0.7211% | 738 |
| Net interest margin | 3.3974% | 3,846 |
| Noninterest income to average assets | 2.3151% | 288 |
| Noninterest expense to average assets | 4.4739% | 392 |
| Loan and lease loss provision to assets | 0.1276% | 1,833 |
| Net operating income to assets | 0.6015% | 4,284 |
| Return on assets (ROA) | 0.6015% | 4,401 |
| Pretax return on assets | 0.9461% | 3,826 |
| Return on Equity (ROE) | 5.6827% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.6827% | 2,368 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6442% | 1,349 |
| Assets per employee ($millions) | 3.7451% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 5,316 |
| Loan loss allowance to noncurrent loans | 219.4656% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 4,260 |
| Noncurrent loans to loans | 0.3423% | 4,028 |
| Net loans and leases to total assets | 84.5110% | 367 |
| Net loans and leases to deposits | 104.8013% | 419 |
| Net loans and leases to core deposits | 118.7169% | 549 |
| Total domestic deposits to total assets | 80.6393% | 4,345 |
| Equity capital to assets | 10.9120% | 3,112 |
| Core capital (leverage) ratio | 10.3842% | 3,121 |
| Tier 1 risk-based capital ratio | 11.5259% | 5,076 |
| Total risk-based capital ratio | 12.2529% | 5,282 |
| Memoranda: | ||
| Average total assets | $83,564,000 | 4,691 |
| Average earning assets | $79,511,000 | 4,634 |
| Average equity | $8,845,250 | 4,830 |
| Average total loans | $70,299,500 | 4,068 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,910 |
| Cost of funding earning assets | 0.7271% | 697 |
| Net interest margin | 3.3621% | 4,017 |
| Noninterest income to average assets | 2.1631% | 312 |
| Noninterest expense to average assets | 4.4391% | 406 |
| Loan and lease loss provision to assets | 0.1350% | 1,689 |
| Net operating income to assets | 0.5009% | 4,674 |
| Return on assets (ROA) | 0.5009% | 4,783 |
| Pretax return on assets | 0.7906% | 4,317 |
| Return on Equity (ROE) | 4.7863% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.7863% | 2,873 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7460% | 1,179 |
| Assets per employee ($millions) | 3.3533% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 82.9378% | 523 |
| Net loans and leases to deposits | 102.1428% | 552 |
| Net loans and leases to core deposits | 112.8590% | 776 |
| Total domestic deposits to total assets | 81.1979% | 4,217 |
| Equity capital to assets | 11.0487% | 3,009 |
| Core capital (leverage) ratio | 10.5239% | 2,945 |
| Tier 1 risk-based capital ratio | 11.9050% | 4,890 |
| Total risk-based capital ratio | 12.6375% | 5,120 |
| Memoranda: | ||
| Average total assets | $81,457,670 | 4,783 |
| Average earning assets | $77,571,670 | 4,711 |
| Average equity | $8,524,330 | 4,915 |
| Average total loans | $68,220,670 | 4,140 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 2,726 |
| Cost of funding earning assets | 0.7304% | 690 |
| Net interest margin | 3.3998% | 3,869 |
| Noninterest income to average assets | 2.4735% | 255 |
| Noninterest expense to average assets | 4.7638% | 324 |
| Loan and lease loss provision to assets | 0.0763% | 2,430 |
| Net operating income to assets | 0.5497% | 4,428 |
| Return on assets (ROA) | 0.5497% | 4,528 |
| Pretax return on assets | 0.8550% | 4,020 |
| Return on Equity (ROE) | 5.4203% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.4203% | 2,702 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6461% | 1,191 |
| Assets per employee ($millions) | 2.6450% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 5,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 84.0202% | 370 |
| Net loans and leases to deposits | 103.4028% | 441 |
| Net loans and leases to core deposits | 117.4595% | 551 |
| Total domestic deposits to total assets | 81.2552% | 4,417 |
| Equity capital to assets | 10.1248% | 3,921 |
| Core capital (leverage) ratio | 9.2903% | 4,506 |
| Tier 1 risk-based capital ratio | 10.4992% | 5,750 |
| Total risk-based capital ratio | 11.2287% | 5,876 |
| Memoranda: | ||
| Average total assets | $78,593,000 | 4,889 |
| Average earning assets | $74,475,500 | 4,838 |
| Average equity | $7,970,000 | 5,058 |
| Average total loans | $65,900,500 | 4,220 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 2,914 |
| Cost of funding earning assets | 0.6703% | 955 |
| Net interest margin | 3.4313% | 3,789 |
| Noninterest income to average assets | 2.0156% | 354 |
| Noninterest expense to average assets | 4.0339% | 640 |
| Loan and lease loss provision to assets | 0.0730% | 2,809 |
| Net operating income to assets | 0.7524% | 3,558 |
| Return on assets (ROA) | 0.7524% | 3,655 |
| Pretax return on assets | 1.1690% | 2,773 |
| Return on Equity (ROE) | 7.5893% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.5893% | 1,070 |
| Net charge-offs to loans | 0.0239% | 3,780 |
| Credit loss provision to net charge-offs | 366.6667% | 814 |
| Earnings coverage of net charge-offs (x) | 62.4000% | 847 |
| Efficiency ratio | 76.4588% | 2,199 |
| Assets per employee ($millions) | 2.6840% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 5,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.3860% | 558 |
| Net loans and leases to deposits | 101.8487% | 550 |
| Net loans and leases to core deposits | 113.0791% | 723 |
| Total domestic deposits to total assets | 80.8906% | 4,511 |
| Equity capital to assets | 10.1573% | 3,798 |
| Core capital (leverage) ratio | 9.3759% | 4,362 |
| Tier 1 risk-based capital ratio | 10.6635% | 5,695 |
| Total risk-based capital ratio | 11.3953% | 5,842 |
| Memoranda: | ||
| Average total assets | $75,360,400 | 4,961 |
| Average earning assets | $71,604,600 | 4,902 |
| Average equity | $7,471,000 | 5,154 |
| Average total loans | $62,866,000 | 4,298 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 2,892 |
| Cost of funding earning assets | 0.6738% | 963 |
| Net interest margin | 3.4384% | 3,805 |
| Noninterest income to average assets | 2.1781% | 317 |
| Noninterest expense to average assets | 4.0833% | 607 |
| Loan and lease loss provision to assets | 0.0714% | 2,750 |
| Net operating income to assets | 0.8331% | 3,266 |
| Return on assets (ROA) | 0.8331% | 3,348 |
| Pretax return on assets | 1.2915% | 2,425 |
| Return on Equity (ROE) | 8.4573% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.4573% | 1,068 |
| Net charge-offs to loans | 0.0320% | 3,284 |
| Credit loss provision to net charge-offs | 266.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 50.9320% | 1,030 |
| Efficiency ratio | 74.9754% | 2,406 |
| Assets per employee ($millions) | 2.6820% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 5,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 79.5649% | 875 |
| Net loans and leases to deposits | 97.7723% | 833 |
| Net loans and leases to core deposits | 108.9545% | 933 |
| Total domestic deposits to total assets | 81.3778% | 4,368 |
| Equity capital to assets | 10.0530% | 4,092 |
| Core capital (leverage) ratio | 9.1272% | 4,842 |
| Tier 1 risk-based capital ratio | 10.9147% | 5,695 |
| Total risk-based capital ratio | 11.6500% | 5,856 |
| Memoranda: | ||
| Average total assets | $74,741,500 | 5,033 |
| Average earning assets | $71,038,250 | 4,970 |
| Average equity | $7,362,250 | 5,242 |
| Average total loans | $62,427,250 | 4,348 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 2,966 |
| Cost of funding earning assets | 0.6698% | 997 |
| Net interest margin | 3.4122% | 3,866 |
| Noninterest income to average assets | 2.3356% | 296 |
| Noninterest expense to average assets | 4.1476% | 583 |
| Loan and lease loss provision to assets | 0.0678% | 2,763 |
| Net operating income to assets | 0.8735% | 3,025 |
| Return on assets (ROA) | 0.8735% | 3,132 |
| Pretax return on assets | 1.3536% | 2,173 |
| Return on Equity (ROE) | 8.9320% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.9320% | 943 |
| Net charge-offs to loans | 0.0096% | 3,571 |
| Credit loss provision to net charge-offs | 833.3333% | 418 |
| Earnings coverage of net charge-offs (x) | 174.6667% | 381 |
| Efficiency ratio | 74.4764% | 2,622 |
| Assets per employee ($millions) | 2.7000% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 5,736 |
| Loan loss allowance to noncurrent loans | 47,700.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,918 |
| Noncurrent loans to loans | 0.0015% | 5,777 |
| Net loans and leases to total assets | 81.8235% | 571 |
| Net loans and leases to deposits | 103.3505% | 481 |
| Net loans and leases to core deposits | 112.1975% | 741 |
| Total domestic deposits to total assets | 79.1709% | 5,059 |
| Equity capital to assets | 9.5378% | 4,601 |
| Core capital (leverage) ratio | 8.8350% | 5,180 |
| Tier 1 risk-based capital ratio | 10.3045% | 5,992 |
| Total risk-based capital ratio | 11.0301% | 6,111 |
| Memoranda: | ||
| Average total assets | $73,729,330 | 5,110 |
| Average earning assets | $69,867,000 | 5,046 |
| Average equity | $7,210,000 | 5,315 |
| Average total loans | $62,448,330 | 4,389 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 2,628 |
| Cost of funding earning assets | 0.6761% | 974 |
| Net interest margin | 3.4752% | 3,528 |
| Noninterest income to average assets | 2.7714% | 238 |
| Noninterest expense to average assets | 4.4062% | 457 |
| Loan and lease loss provision to assets | 0.0560% | 2,815 |
| Net operating income to assets | 1.0190% | 2,169 |
| Return on assets (ROA) | 1.0190% | 2,313 |
| Pretax return on assets | 1.5900% | 1,290 |
| Return on Equity (ROE) | 10.2810% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.2810% | 859 |
| Net charge-offs to loans | 0.0195% | 2,765 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 506 |
| Efficiency ratio | 72.8030% | 3,027 |
| Assets per employee ($millions) | 2.6512% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 5,869 |
| Loan loss allowance to noncurrent loans | 69.1617% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 2,835 |
| Noncurrent loans to loans | 1.0388% | 2,688 |
| Net loans and leases to total assets | 86.0022% | 190 |
| Net loans and leases to deposits | 110.9485% | 204 |
| Net loans and leases to core deposits | 120.5703% | 400 |
| Total domestic deposits to total assets | 77.5154% | 5,532 |
| Equity capital to assets | 9.7517% | 4,431 |
| Core capital (leverage) ratio | 9.2330% | 4,671 |
| Tier 1 risk-based capital ratio | 10.1825% | 6,117 |
| Total risk-based capital ratio | 10.9011% | 6,216 |
| Memoranda: | ||
| Average total assets | $71,444,500 | 5,223 |
| Average earning assets | $67,449,500 | 5,157 |
| Average equity | $7,081,000 | 5,388 |
| Average total loans | $61,400,500 | 4,456 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 3,004 |
| Cost of funding earning assets | 0.6571% | 1,361 |
| Net interest margin | 3.5262% | 3,697 |
| Noninterest income to average assets | 1.0849% | 1,038 |
| Noninterest expense to average assets | 3.4388% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8275% | 3,237 |
| Return on assets (ROA) | 0.8275% | 3,330 |
| Pretax return on assets | 0.9530% | 3,674 |
| Return on Equity (ROE) | 7.8880% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.8880% | 1,060 |
| Net charge-offs to loans | 0.0444% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.0870% | 1,477 |
| Efficiency ratio | 78.2278% | 2,178 |
| Assets per employee ($millions) | 2.8607% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 5,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 84.5403% | 305 |
| Net loans and leases to deposits | 105.6039% | 372 |
| Net loans and leases to core deposits | 114.6463% | 572 |
| Total domestic deposits to total assets | 80.0542% | 5,001 |
| Equity capital to assets | 10.0836% | 4,003 |
| Core capital (leverage) ratio | 9.3536% | 4,461 |
| Tier 1 risk-based capital ratio | 10.0143% | 6,256 |
| Total risk-based capital ratio | 10.7376% | 6,330 |
| Memoranda: | ||
| Average total assets | $62,958,000 | 5,476 |
| Average earning assets | $59,043,400 | 5,425 |
| Average equity | $6,605,000 | 5,503 |
| Average total loans | $51,854,800 | 4,757 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 3,336 |
| Cost of funding earning assets | 0.6521% | 1,450 |
| Net interest margin | 3.4572% | 3,991 |
| Noninterest income to average assets | 0.9079% | 1,500 |
| Noninterest expense to average assets | 3.3564% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7714% | 3,557 |
| Return on assets (ROA) | 0.7714% | 3,666 |
| Pretax return on assets | 0.7909% | 4,391 |
| Return on Equity (ROE) | 7.2738% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.2738% | 1,686 |
| Net charge-offs to loans | 0.0531% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 18.2471% | 1,855 |
| Efficiency ratio | 80.8255% | 1,789 |
| Assets per employee ($millions) | 2.8445% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 5,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 83.5089% | 363 |
| Net loans and leases to deposits | 103.3326% | 436 |
| Net loans and leases to core deposits | 114.7195% | 564 |
| Total domestic deposits to total assets | 80.8156% | 4,875 |
| Equity capital to assets | 10.3266% | 3,761 |
| Core capital (leverage) ratio | 9.8513% | 3,872 |
| Tier 1 risk-based capital ratio | 10.3378% | 6,256 |
| Total risk-based capital ratio | 11.1044% | 6,348 |
| Memoranda: | ||
| Average total assets | $61,533,500 | 5,577 |
| Average earning assets | $57,656,500 | 5,523 |
| Average equity | $6,525,500 | 5,568 |
| Average total loans | $50,194,250 | 4,856 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,579 |
| Cost of funding earning assets | 0.6672% | 1,399 |
| Net interest margin | 3.3752% | 4,286 |
| Noninterest income to average assets | 0.7205% | 2,183 |
| Noninterest expense to average assets | 3.3269% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5379% | 4,658 |
| Return on assets (ROA) | 0.5379% | 4,754 |
| Pretax return on assets | 0.5512% | 5,131 |
| Return on Equity (ROE) | 5.0243% | 4,661 |
| Retained earnings to average equity (ytd only) | 5.0243% | 2,946 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6164% | 1,306 |
| Assets per employee ($millions) | 2.4013% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 5,612 |
| Loan loss allowance to noncurrent loans | 459.6154% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,645 |
| Noncurrent loans to loans | 0.2038% | 5,406 |
| Net loans and leases to total assets | 80.9610% | 580 |
| Net loans and leases to deposits | 98.9876% | 604 |
| Net loans and leases to core deposits | 110.4223% | 680 |
| Total domestic deposits to total assets | 81.7891% | 4,720 |
| Equity capital to assets | 10.5165% | 3,423 |
| Core capital (leverage) ratio | 9.9258% | 3,710 |
| Tier 1 risk-based capital ratio | 10.8854% | 6,097 |
| Total risk-based capital ratio | 11.7609% | 6,195 |
| Memoranda: | ||
| Average total assets | $60,237,000 | 5,653 |
| Average earning assets | $56,353,000 | 5,605 |
| Average equity | $6,448,670 | 5,615 |
| Average total loans | $48,562,670 | 4,948 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 3,401 |
| Cost of funding earning assets | 0.6795% | 1,367 |
| Net interest margin | 3.3903% | 4,167 |
| Noninterest income to average assets | 0.5817% | 2,848 |
| Noninterest expense to average assets | 3.5037% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2503% | 5,663 |
| Return on assets (ROA) | 0.2503% | 5,705 |
| Pretax return on assets | 0.2503% | 5,824 |
| Return on Equity (ROE) | 2.3161% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.3161% | 4,678 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9730% | 820 |
| Assets per employee ($millions) | 3.3372% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 5,564 |
| Loan loss allowance to noncurrent loans | 569.0476% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,831 |
| Noncurrent loans to loans | 0.1742% | 5,570 |
| Net loans and leases to total assets | 79.4856% | 606 |
| Net loans and leases to deposits | 97.5026% | 573 |
| Net loans and leases to core deposits | 106.6996% | 731 |
| Total domestic deposits to total assets | 81.5216% | 5,080 |
| Equity capital to assets | 10.6892% | 3,054 |
| Core capital (leverage) ratio | 9.8120% | 3,844 |
| Tier 1 risk-based capital ratio | 10.6303% | 6,296 |
| Total risk-based capital ratio | 11.5019% | 6,367 |
| Memoranda: | ||
| Average total assets | $59,138,000 | 5,734 |
| Average earning assets | $55,335,000 | 5,688 |
| Average equity | $6,390,000 | 5,667 |
| Average total loans | $47,331,000 | 5,031 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,940 |
| Cost of funding earning assets | 0.7597% | 1,443 |
| Net interest margin | 3.5459% | 3,705 |
| Noninterest income to average assets | 1.4533% | 657 |
| Noninterest expense to average assets | 3.9538% | 916 |
| Loan and lease loss provision to assets | 0.1024% | 3,092 |
| Net operating income to assets | 0.6799% | 3,898 |
| Return on assets (ROA) | 0.6799% | 3,987 |
| Pretax return on assets | 0.7187% | 4,468 |
| Return on Equity (ROE) | 6.2219% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.2219% | 1,831 |
| Net charge-offs to loans | -0.0065% | 5,958 |
| Credit loss provision to net charge-offs | -1,933.3333% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8787% | 1,892 |
| Assets per employee ($millions) | 2.5307% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 5,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 78.9781% | 720 |
| Net loans and leases to deposits | 97.5180% | 619 |
| Net loans and leases to core deposits | 109.0060% | 654 |
| Total domestic deposits to total assets | 80.9882% | 5,180 |
| Equity capital to assets | 10.9250% | 2,682 |
| Core capital (leverage) ratio | 9.7633% | 3,893 |
| Tier 1 risk-based capital ratio | 10.0699% | 6,501 |
| Total risk-based capital ratio | 10.8836% | 6,567 |
| Memoranda: | ||
| Average total assets | $56,628,400 | 5,846 |
| Average earning assets | $53,047,000 | 5,803 |
| Average equity | $6,187,800 | 5,769 |
| Average total loans | $46,367,400 | 5,098 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 2,761 |
| Cost of funding earning assets | 0.7629% | 1,524 |
| Net interest margin | 3.5915% | 3,482 |
| Noninterest income to average assets | 1.5767% | 588 |
| Noninterest expense to average assets | 4.0354% | 819 |
| Loan and lease loss provision to assets | 0.1612% | 2,240 |
| Net operating income to assets | 0.7018% | 3,850 |
| Return on assets (ROA) | 0.7018% | 3,983 |
| Pretax return on assets | 0.7397% | 4,536 |
| Return on Equity (ROE) | 6.4225% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.4225% | 2,172 |
| Net charge-offs to loans | -0.0086% | 5,861 |
| Credit loss provision to net charge-offs | -2,266.6667% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8357% | 1,994 |
| Assets per employee ($millions) | 2.3679% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 5,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 80.7375% | 481 |
| Net loans and leases to deposits | 99.1145% | 509 |
| Net loans and leases to core deposits | 115.3271% | 416 |
| Total domestic deposits to total assets | 81.4588% | 5,099 |
| Equity capital to assets | 10.5679% | 3,200 |
| Core capital (leverage) ratio | 9.8636% | 3,872 |
| Tier 1 risk-based capital ratio | 13.0260% | 5,103 |
| Total risk-based capital ratio | 14.1234% | 5,149 |
| Memoranda: | ||
| Average total assets | $56,234,000 | 5,927 |
| Average earning assets | $52,604,000 | 5,881 |
| Average equity | $6,145,000 | 5,850 |
| Average total loans | $46,350,000 | 5,143 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 2,480 |
| Cost of funding earning assets | 0.7714% | 1,576 |
| Net interest margin | 3.6517% | 3,172 |
| Noninterest income to average assets | 1.7377% | 554 |
| Noninterest expense to average assets | 4.0836% | 787 |
| Loan and lease loss provision to assets | 0.2063% | 1,835 |
| Net operating income to assets | 0.8182% | 3,208 |
| Return on assets (ROA) | 0.8182% | 3,362 |
| Pretax return on assets | 0.8580% | 4,080 |
| Return on Equity (ROE) | 7.4001% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.4001% | 1,714 |
| Net charge-offs to loans | -0.0131% | 5,831 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4810% | 2,381 |
| Assets per employee ($millions) | 2.2243% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 5,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 84.5703% | 203 |
| Net loans and leases to deposits | 105.1893% | 245 |
| Net loans and leases to core deposits | 123.2009% | 268 |
| Total domestic deposits to total assets | 80.3982% | 5,508 |
| Equity capital to assets | 11.0849% | 2,672 |
| Core capital (leverage) ratio | 10.0039% | 3,511 |
| Tier 1 risk-based capital ratio | 12.7706% | 5,309 |
| Total risk-based capital ratio | 13.8360% | 5,380 |
| Memoranda: | ||
| Average total assets | $55,246,000 | 5,991 |
| Average earning assets | $51,593,000 | 5,951 |
| Average equity | $6,108,000 | 5,901 |
| Average total loans | $45,709,330 | 5,201 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 2,613 |
| Cost of funding earning assets | 0.7966% | 1,548 |
| Net interest margin | 3.5767% | 3,354 |
| Noninterest income to average assets | 1.9758% | 436 |
| Noninterest expense to average assets | 4.2495% | 663 |
| Loan and lease loss provision to assets | 0.2978% | 1,174 |
| Net operating income to assets | 0.7191% | 3,597 |
| Return on assets (ROA) | 0.7191% | 3,731 |
| Pretax return on assets | 0.7555% | 4,351 |
| Return on Equity (ROE) | 6.5132% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.5132% | 2,402 |
| Net charge-offs to loans | -0.0268% | 5,850 |
| Credit loss provision to net charge-offs | -1,366.6667% | 5,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3151% | 2,424 |
| Assets per employee ($millions) | 2.8166% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 5,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 78.9178% | 520 |
| Net loans and leases to deposits | 95.5016% | 567 |
| Net loans and leases to core deposits | 112.6466% | 423 |
| Total domestic deposits to total assets | 82.6351% | 4,974 |
| Equity capital to assets | 10.8730% | 3,108 |
| Core capital (leverage) ratio | 9.9487% | 3,457 |
| Tier 1 risk-based capital ratio | 13.3796% | 4,951 |
| Total risk-based capital ratio | 14.4838% | 5,004 |
| Memoranda: | ||
| Average total assets | $55,065,500 | 6,045 |
| Average earning assets | $51,220,000 | 6,014 |
| Average equity | $6,080,000 | 5,962 |
| Average total loans | $44,817,500 | 5,264 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 3,145 |
| Cost of funding earning assets | 0.9970% | 1,377 |
| Net interest margin | 3.5688% | 4,230 |
| Noninterest income to average assets | 2.1165% | 401 |
| Noninterest expense to average assets | 4.2801% | 696 |
| Loan and lease loss provision to assets | 0.2655% | 2,519 |
| Net operating income to assets | 0.8576% | 3,008 |
| Return on assets (ROA) | 0.8576% | 3,253 |
| Pretax return on assets | 0.8871% | 3,967 |
| Return on Equity (ROE) | 7.5201% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.5201% | 1,326 |
| Net charge-offs to loans | 0.2178% | 3,647 |
| Credit loss provision to net charge-offs | 156.9767% | 1,717 |
| Earnings coverage of net charge-offs (x) | 6.8140% | 2,734 |
| Efficiency ratio | 77.8783% | 2,461 |
| Assets per employee ($millions) | 2.6900% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 82.3863% | 308 |
| Net loans and leases to deposits | 101.6070% | 343 |
| Net loans and leases to core deposits | 120.2599% | 278 |
| Total domestic deposits to total assets | 81.0833% | 5,381 |
| Equity capital to assets | 11.2177% | 2,711 |
| Core capital (leverage) ratio | 10.2028% | 3,135 |
| Tier 1 risk-based capital ratio | 13.9912% | 4,390 |
| Total risk-based capital ratio | 15.0535% | 4,483 |
| Memoranda: | ||
| Average total assets | $50,839,400 | 6,189 |
| Average earning assets | $47,243,000 | 6,143 |
| Average equity | $5,797,800 | 6,075 |
| Average total loans | $39,489,200 | 5,529 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 3,310 |
| Cost of funding earning assets | 1.0417% | 1,326 |
| Net interest margin | 3.5333% | 4,513 |
| Noninterest income to average assets | 2.0332% | 411 |
| Noninterest expense to average assets | 4.2474% | 690 |
| Loan and lease loss provision to assets | 0.2023% | 3,061 |
| Net operating income to assets | 0.8649% | 3,157 |
| Return on assets (ROA) | 0.8649% | 3,397 |
| Pretax return on assets | 0.8782% | 4,199 |
| Return on Equity (ROE) | 7.5511% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.5511% | 1,823 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7712% | 2,271 |
| Assets per employee ($millions) | 3.1292% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 5,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 76.8276% | 865 |
| Net loans and leases to deposits | 90.5365% | 1,092 |
| Net loans and leases to core deposits | 108.2649% | 640 |
| Total domestic deposits to total assets | 84.8582% | 3,808 |
| Equity capital to assets | 11.1472% | 3,099 |
| Core capital (leverage) ratio | 10.1043% | 3,406 |
| Tier 1 risk-based capital ratio | 14.1608% | 4,407 |
| Total risk-based capital ratio | 15.3332% | 4,430 |
| Memoranda: | ||
| Average total assets | $50,099,500 | 6,281 |
| Average earning assets | $46,717,000 | 6,231 |
| Average equity | $5,738,500 | 6,161 |
| Average total loans | $38,179,250 | 5,645 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 3,606 |
| Cost of funding earning assets | 1.1098% | 1,180 |
| Net interest margin | 3.4302% | 4,969 |
| Noninterest income to average assets | 1.8750% | 437 |
| Noninterest expense to average assets | 4.1209% | 816 |
| Loan and lease loss provision to assets | 0.2283% | 2,795 |
| Net operating income to assets | 0.7052% | 3,842 |
| Return on assets (ROA) | 0.7052% | 4,104 |
| Pretax return on assets | 0.7133% | 4,790 |
| Return on Equity (ROE) | 6.0973% | 4,276 |
| Retained earnings to average equity (ytd only) | 6.0973% | 2,658 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4348% | 2,109 |
| Assets per employee ($millions) | 2.6531% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 80.5209% | 447 |
| Net loans and leases to deposits | 95.5238% | 656 |
| Net loans and leases to core deposits | 113.9372% | 454 |
| Total domestic deposits to total assets | 84.2942% | 4,197 |
| Equity capital to assets | 11.4605% | 2,630 |
| Core capital (leverage) ratio | 10.6158% | 2,696 |
| Tier 1 risk-based capital ratio | 14.6213% | 4,022 |
| Total risk-based capital ratio | 15.8119% | 4,025 |
| Memoranda: | ||
| Average total assets | $49,067,000 | 6,350 |
| Average earning assets | $45,594,670 | 6,298 |
| Average equity | $5,674,670 | 6,200 |
| Average total loans | $37,138,000 | 5,730 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 3,674 |
| Cost of funding earning assets | 1.1780% | 1,074 |
| Net interest margin | 3.3823% | 5,188 |
| Noninterest income to average assets | 1.7026% | 517 |
| Noninterest expense to average assets | 4.0829% | 843 |
| Loan and lease loss provision to assets | 0.1322% | 3,700 |
| Net operating income to assets | 0.6199% | 4,255 |
| Return on assets (ROA) | 0.6199% | 4,465 |
| Pretax return on assets | 0.6199% | 5,047 |
| Return on Equity (ROE) | 5.3348% | 4,622 |
| Retained earnings to average equity (ytd only) | 5.3348% | 3,355 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4188% | 1,746 |
| Assets per employee ($millions) | 2.7207% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 6,058 |
| Loan loss allowance to noncurrent loans | 37,300.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,955 |
| Noncurrent loans to loans | 0.0028% | 6,802 |
| Net loans and leases to total assets | 71.3346% | 1,514 |
| Net loans and leases to deposits | 82.3371% | 1,886 |
| Net loans and leases to core deposits | 96.8345% | 1,215 |
| Total domestic deposits to total assets | 86.6373% | 3,159 |
| Equity capital to assets | 11.5658% | 2,378 |
| Core capital (leverage) ratio | 10.3791% | 2,897 |
| Tier 1 risk-based capital ratio | 16.0661% | 3,142 |
| Total risk-based capital ratio | 17.2726% | 3,128 |
| Memoranda: | ||
| Average total assets | $48,396,500 | 6,419 |
| Average earning assets | $44,821,000 | 6,367 |
| Average equity | $5,623,500 | 6,244 |
| Average total loans | $35,206,000 | 5,862 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 4,584 |
| Cost of funding earning assets | 1.2928% | 1,514 |
| Net interest margin | 3.3283% | 5,731 |
| Noninterest income to average assets | 1.3486% | 715 |
| Noninterest expense to average assets | 4.1885% | 821 |
| Loan and lease loss provision to assets | 0.1700% | 4,517 |
| Net operating income to assets | 0.0136% | 6,011 |
| Return on assets (ROA) | 0.0136% | 6,132 |
| Pretax return on assets | 0.0068% | 6,118 |
| Return on Equity (ROE) | 0.1085% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.1085% | 5,786 |
| Net charge-offs to loans | -0.0068% | 6,857 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6521% | 884 |
| Assets per employee ($millions) | 2.5169% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 6,134 |
| Loan loss allowance to noncurrent loans | 17,850.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 6,994 |
| Noncurrent loans to loans | 0.0057% | 6,850 |
| Net loans and leases to total assets | 72.6626% | 1,521 |
| Net loans and leases to deposits | 83.9750% | 1,925 |
| Net loans and leases to core deposits | 99.1553% | 1,247 |
| Total domestic deposits to total assets | 86.5289% | 3,018 |
| Equity capital to assets | 11.6748% | 2,357 |
| Core capital (leverage) ratio | 10.5680% | 2,645 |
| Tier 1 risk-based capital ratio | 14.7426% | 3,800 |
| Total risk-based capital ratio | 15.8198% | 3,896 |
| Memoranda: | ||
| Average total assets | $44,120,400 | 6,532 |
| Average earning assets | $39,990,600 | 6,529 |
| Average equity | $5,528,000 | 6,288 |
| Average total loans | $29,287,000 | 6,187 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 5,025 |
| Cost of funding earning assets | 1.3032% | 1,679 |
| Net interest margin | 3.2597% | 5,989 |
| Noninterest income to average assets | 0.7686% | 2,203 |
| Noninterest expense to average assets | 3.9263% | 1,110 |
| Loan and lease loss provision to assets | 0.1759% | 4,281 |
| Net operating income to assets | -0.3828% | 6,566 |
| Return on assets (ROA) | -0.3828% | 6,617 |
| Pretax return on assets | -0.3920% | 6,561 |
| Return on Equity (ROE) | -2.9982% | 6,561 |
| Retained earnings to average equity (ytd only) | -2.9982% | 6,419 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2429% | 546 |
| Assets per employee ($millions) | 1.8249% | 7,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,946 |
| Loan loss allowance to noncurrent loans | 314.9533% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 6,474 |
| Noncurrent loans to loans | 0.3443% | 6,160 |
| Net loans and leases to total assets | 67.3863% | 2,595 |
| Net loans and leases to deposits | 78.1449% | 2,956 |
| Net loans and leases to core deposits | 88.4055% | 2,436 |
| Total domestic deposits to total assets | 86.2325% | 3,074 |
| Equity capital to assets | 12.0249% | 2,231 |
| Core capital (leverage) ratio | 10.8068% | 2,565 |
| Tier 1 risk-based capital ratio | 16.1268% | 3,052 |
| Total risk-based capital ratio | 17.2710% | 3,070 |
| Memoranda: | ||
| Average total assets | $43,195,250 | 6,619 |
| Average earning assets | $38,980,500 | 6,631 |
| Average equity | $5,514,250 | 6,332 |
| Average total loans | $27,832,500 | 6,312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 5,316 |
| Cost of funding earning assets | 1.3234% | 1,804 |
| Net interest margin | 3.1897% | 6,193 |
| Noninterest income to average assets | 0.6700% | 2,714 |
| Noninterest expense to average assets | 3.9777% | 1,084 |
| Loan and lease loss provision to assets | 0.2406% | 3,502 |
| Net operating income to assets | -0.6228% | 6,771 |
| Return on assets (ROA) | -0.6228% | 6,784 |
| Pretax return on assets | -0.6370% | 6,727 |
| Return on Equity (ROE) | -4.7794% | 6,697 |
| Retained earnings to average equity (ytd only) | -4.7794% | 6,546 |
| Net charge-offs to loans | 0.0075% | 5,758 |
| Credit loss provision to net charge-offs | 5,100.0000% | 66 |
| Earnings coverage of net charge-offs (x) | -84.0000% | 5,863 |
| Efficiency ratio | 109.4862% | 483 |
| Assets per employee ($millions) | 2.6244% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,838 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 6,395 |
| Noncurrent loans to loans | 0.4510% | 6,007 |
| Net loans and leases to total assets | 64.8616% | 3,283 |
| Net loans and leases to deposits | 75.6351% | 3,539 |
| Net loans and leases to core deposits | 83.7036% | 3,256 |
| Total domestic deposits to total assets | 85.7559% | 3,464 |
| Equity capital to assets | 12.2918% | 1,908 |
| Core capital (leverage) ratio | 10.7959% | 2,424 |
| Tier 1 risk-based capital ratio | 17.8655% | 2,221 |
| Total risk-based capital ratio | 19.1109% | 2,172 |
| Memoranda: | ||
| Average total assets | $42,386,330 | 6,707 |
| Average earning assets | $38,687,330 | 6,695 |
| Average equity | $5,523,670 | 6,362 |
| Average total loans | $26,750,000 | 6,431 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 5,998 |
| Cost of funding earning assets | 1.3296% | 2,012 |
| Net interest margin | 2.9783% | 6,615 |
| Noninterest income to average assets | 0.8141% | 1,975 |
| Noninterest expense to average assets | 4.1869% | 830 |
| Loan and lease loss provision to assets | 0.1745% | 3,876 |
| Net operating income to assets | -0.8044% | 6,963 |
| Return on assets (ROA) | -0.8044% | 6,971 |
| Pretax return on assets | -0.8335% | 6,936 |
| Return on Equity (ROE) | -5.9890% | 6,865 |
| Retained earnings to average equity (ytd only) | -5.9890% | 6,594 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0330% | 383 |
| Assets per employee ($millions) | 2.5908% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,830 |
| Loan loss allowance to noncurrent loans | 219.1176% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 6,424 |
| Noncurrent loans to loans | 0.5264% | 5,971 |
| Net loans and leases to total assets | 57.9842% | 4,649 |
| Net loans and leases to deposits | 67.6288% | 4,722 |
| Net loans and leases to core deposits | 73.2777% | 4,619 |
| Total domestic deposits to total assets | 85.7389% | 3,673 |
| Equity capital to assets | 12.4083% | 1,676 |
| Core capital (leverage) ratio | 11.9595% | 1,588 |
| Tier 1 risk-based capital ratio | 18.8105% | 1,864 |
| Total risk-based capital ratio | 19.9835% | 1,840 |
| Memoranda: | ||
| Average total assets | $41,272,000 | 6,787 |
| Average earning assets | $37,605,000 | 6,781 |
| Average equity | $5,543,500 | 6,382 |
| Average total loans | $25,491,000 | 6,559 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0527% | 4,307 |
| Cost of funding earning assets | 1.4607% | 2,889 |
| Net interest margin | 3.5921% | 4,861 |
| Noninterest income to average assets | 1.3369% | 824 |
| Noninterest expense to average assets | 5.0538% | 398 |
| Loan and lease loss provision to assets | 0.5721% | 2,841 |
| Net operating income to assets | -1.0707% | 6,726 |
| Return on assets (ROA) | -1.0707% | 6,753 |
| Pretax return on assets | -1.0615% | 6,676 |
| Return on Equity (ROE) | -6.0707% | 6,501 |
| Retained earnings to average equity (ytd only) | -6.0707% | 6,389 |
| Net charge-offs to loans | 0.0048% | 6,797 |
| Credit loss provision to net charge-offs | 18,700.0000% | 6 |
| Earnings coverage of net charge-offs (x) | -160.0000% | 6,844 |
| Efficiency ratio | 109.0483% | 556 |
| Assets per employee ($millions) | 2.1389% | 7,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,906 |
| Loan loss allowance to noncurrent loans | 227.6423% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 6,447 |
| Noncurrent loans to loans | 0.4891% | 6,059 |
| Net loans and leases to total assets | 64.5853% | 3,748 |
| Net loans and leases to deposits | 77.6238% | 3,572 |
| Net loans and leases to core deposits | 82.8039% | 3,775 |
| Total domestic deposits to total assets | 83.2030% | 4,708 |
| Equity capital to assets | 14.6022% | 883 |
| Core capital (leverage) ratio | 17.4088% | 367 |
| Tier 1 risk-based capital ratio | 19.1975% | 1,674 |
| Total risk-based capital ratio | 20.3044% | 1,673 |
| Memoranda: | ||
| Average total assets | $32,688,200 | 7,123 |
| Average earning assets | $29,370,400 | 7,115 |
| Average equity | $5,765,400 | 6,443 |
| Average total loans | $20,731,600 | 6,886 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 4,146 |
| Cost of funding earning assets | 1.4427% | 3,313 |
| Net interest margin | 3.6926% | 4,442 |
| Noninterest income to average assets | 1.2336% | 904 |
| Noninterest expense to average assets | 5.2290% | 318 |
| Loan and lease loss provision to assets | 0.4866% | 3,044 |
| Net operating income to assets | -1.1909% | 6,986 |
| Return on assets (ROA) | -1.1909% | 7,016 |
| Pretax return on assets | -1.1824% | 6,939 |
| Return on Equity (ROE) | -6.4122% | 6,751 |
| Retained earnings to average equity (ytd only) | -6.4122% | 6,671 |
| Net charge-offs to loans | -0.0136% | 7,300 |
| Credit loss provision to net charge-offs | -5,700.0000% | 7,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5593% | 468 |
| Assets per employee ($millions) | 2.5961% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,434 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 7,324 |
| Noncurrent loans to loans | 0.0283% | 7,191 |
| Net loans and leases to total assets | 57.6971% | 5,300 |
| Net loans and leases to deposits | 68.6888% | 5,324 |
| Net loans and leases to core deposits | 73.3371% | 5,374 |
| Total domestic deposits to total assets | 83.9978% | 4,131 |
| Equity capital to assets | 15.6087% | 744 |
| Core capital (leverage) ratio | 16.6814% | 466 |
| Tier 1 risk-based capital ratio | 23.5409% | 999 |
| Total risk-based capital ratio | 24.5455% | 1,003 |
| Memoranda: | ||
| Average total assets | $31,235,000 | 7,248 |
| Average earning assets | $27,910,750 | 7,254 |
| Average equity | $5,801,250 | 6,511 |
| Average total loans | $19,628,000 | 7,042 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 3,020 |
| Cost of funding earning assets | 1.3453% | 4,217 |
| Net interest margin | 4.0434% | 2,821 |
| Noninterest income to average assets | 0.8330% | 1,956 |
| Noninterest expense to average assets | 5.5669% | 266 |
| Loan and lease loss provision to assets | 0.2574% | 4,362 |
| Net operating income to assets | -1.4222% | 7,129 |
| Return on assets (ROA) | -1.4222% | 7,134 |
| Pretax return on assets | -1.4087% | 7,050 |
| Return on Equity (ROE) | -7.1869% | 6,849 |
| Retained earnings to average equity (ytd only) | -7.1869% | 6,757 |
| Net charge-offs to loans | -0.0209% | 7,292 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0798% | 361 |
| Assets per employee ($millions) | 2.3040% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 7,365 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 7,364 |
| Noncurrent loans to loans | 0.0285% | 7,251 |
| Net loans and leases to total assets | 60.4774% | 4,970 |
| Net loans and leases to deposits | 72.8106% | 4,872 |
| Net loans and leases to core deposits | 76.4736% | 5,145 |
| Total domestic deposits to total assets | 83.0613% | 4,546 |
| Equity capital to assets | 16.6262% | 582 |
| Core capital (leverage) ratio | 17.8257% | 372 |
| Tier 1 risk-based capital ratio | 20.2751% | 1,469 |
| Total risk-based capital ratio | 20.8203% | 1,562 |
| Memoranda: | ||
| Average total assets | $29,531,670 | 7,363 |
| Average earning assets | $26,166,000 | 7,364 |
| Average equity | $5,844,000 | 6,519 |
| Average total loans | $19,110,670 | 7,117 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7333% | 1,663 |
| Cost of funding earning assets | 1.3530% | 4,470 |
| Net interest margin | 4.3803% | 1,445 |
| Noninterest income to average assets | 0.7847% | 2,095 |
| Noninterest expense to average assets | 5.8925% | 229 |
| Loan and lease loss provision to assets | 0.3405% | 3,344 |
| Net operating income to assets | -1.6138% | 7,365 |
| Return on assets (ROA) | -1.6138% | 7,369 |
| Pretax return on assets | -1.6138% | 7,295 |
| Return on Equity (ROE) | -7.3986% | 7,025 |
| Retained earnings to average equity (ytd only) | -7.3986% | 6,781 |
| Net charge-offs to loans | -0.0220% | 7,096 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6410% | 383 |
| Assets per employee ($millions) | 2.5011% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5924% | 7,506 |
| Loan loss allowance to noncurrent loans | 1,685.7143% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 7,433 |
| Noncurrent loans to loans | 0.0351% | 7,324 |
| Net loans and leases to total assets | 65.9747% | 3,856 |
| Net loans and leases to deposits | 82.1312% | 3,262 |
| Net loans and leases to core deposits | 82.1312% | 4,470 |
| Total domestic deposits to total assets | 80.3285% | 5,673 |
| Equity capital to assets | 19.4516% | 311 |
| Core capital (leverage) ratio | 18.3312% | 355 |
| Tier 1 risk-based capital ratio | 25.9269% | 780 |
| Total risk-based capital ratio | 26.5295% | 814 |
| Memoranda: | ||
| Average total assets | $27,017,500 | 7,530 |
| Average earning assets | $23,651,500 | 7,544 |
| Average equity | $5,893,000 | 6,557 |
| Average total loans | $18,148,500 | 7,259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 5,175 |
| Cost of funding earning assets | 1.1716% | 6,760 |
| Net interest margin | 4.1278% | 2,331 |
| Noninterest income to average assets | 1.2740% | 929 |
| Noninterest expense to average assets | 6.7256% | 228 |
| Loan and lease loss provision to assets | 0.4937% | 3,902 |
| Net operating income to assets | -2.3091% | 7,200 |
| Return on assets (ROA) | -2.3091% | 7,203 |
| Pretax return on assets | -2.2985% | 7,063 |
| Return on Equity (ROE) | -9.4656% | 6,579 |
| Retained earnings to average equity (ytd only) | -9.4656% | 6,474 |
| Net charge-offs to loans | -0.0089% | 7,743 |
| Credit loss provision to net charge-offs | -9,300.0000% | 7,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.1963% | 435 |
| Assets per employee ($millions) | 1.8478% | 7,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5739% | 7,592 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 7,439 |
| Noncurrent loans to loans | 0.0488% | 7,308 |
| Net loans and leases to total assets | 67.7879% | 3,750 |
| Net loans and leases to deposits | 90.6732% | 2,110 |
| Net loans and leases to core deposits | 114.6680% | 2,445 |
| Total domestic deposits to total assets | 74.7606% | 6,903 |
| Equity capital to assets | 24.7606% | 171 |
| Core capital (leverage) ratio | 23.9926% | 175 |
| Tier 1 risk-based capital ratio | 30.0516% | 522 |
| Total risk-based capital ratio | 30.5970% | 549 |
| Memoranda: | ||
| Average total assets | $18,838,400 | 7,809 |
| Average earning assets | $16,643,400 | 7,803 |
| Average equity | $4,595,600 | 7,083 |
| Average total loans | $11,176,200 | 7,650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 6,034 |
| Cost of funding earning assets | 1.1328% | 7,088 |
| Net interest margin | 4.0332% | 2,668 |
| Noninterest income to average assets | 1.4137% | 757 |
| Noninterest expense to average assets | 6.8251% | 208 |
| Loan and lease loss provision to assets | 0.4332% | 3,735 |
| Net operating income to assets | -2.2877% | 7,404 |
| Return on assets (ROA) | -2.2877% | 7,396 |
| Pretax return on assets | -2.2725% | 7,273 |
| Return on Equity (ROE) | -9.4262% | 6,854 |
| Retained earnings to average equity (ytd only) | -9.4262% | 6,756 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.2988% | 429 |
| Assets per employee ($millions) | 1.3447% | 8,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4630% | 7,756 |
| Loan loss allowance to noncurrent loans | 38.0000% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 5,644 |
| Noncurrent loans to loans | 1.2183% | 4,909 |
| Net loans and leases to total assets | 60.7555% | 5,460 |
| Net loans and leases to deposits | 81.5478% | 4,108 |
| Net loans and leases to core deposits | 93.0100% | 5,135 |
| Total domestic deposits to total assets | 74.5030% | 6,864 |
| Equity capital to assets | 25.2491% | 170 |
| Core capital (leverage) ratio | 22.9887% | 209 |
| Tier 1 risk-based capital ratio | 33.1283% | 437 |
| Total risk-based capital ratio | 33.5665% | 452 |
| Memoranda: | ||
| Average total assets | $17,542,500 | 7,917 |
| Average earning assets | $15,537,250 | 7,911 |
| Average equity | $4,257,500 | 7,263 |
| Average total loans | $9,875,750 | 7,788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 7,354 |
| Cost of funding earning assets | 1.1510% | 7,242 |
| Net interest margin | 3.5750% | 4,470 |
| Noninterest income to average assets | 1.7160% | 497 |
| Noninterest expense to average assets | 6.7201% | 244 |
| Loan and lease loss provision to assets | 0.3480% | 3,836 |
| Net operating income to assets | -2.1960% | 7,479 |
| Return on assets (ROA) | -2.1960% | 7,478 |
| Pretax return on assets | -2.1840% | 7,340 |
| Return on Equity (ROE) | -9.1983% | 6,978 |
| Retained earnings to average equity (ytd only) | -9.1983% | 6,789 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.1351% | 483 |
| Assets per employee ($millions) | 1.6634% | 8,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2439% | 8,032 |
| Loan loss allowance to noncurrent loans | 12.2881% | 7,448 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 4,362 |
| Noncurrent loans to loans | 1.9849% | 3,547 |
| Net loans and leases to total assets | 64.8248% | 4,803 |
| Net loans and leases to deposits | 92.1100% | 2,452 |
| Net loans and leases to core deposits | 104.4654% | 4,012 |
| Total domestic deposits to total assets | 70.3777% | 7,431 |
| Equity capital to assets | 28.4637% | 156 |
| Core capital (leverage) ratio | 25.2141% | 202 |
| Tier 1 risk-based capital ratio | 37.5894% | 359 |
| Total risk-based capital ratio | 37.8362% | 373 |
| Memoranda: | ||
| Average total assets | $16,666,330 | 8,026 |
| Average earning assets | $14,769,330 | 8,012 |
| Average equity | $3,979,000 | 7,426 |
| Average total loans | $9,063,670 | 7,896 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 5,988 |
| Cost of funding earning assets | 1.2421% | 7,193 |
| Net interest margin | 4.0368% | 2,500 |
| Noninterest income to average assets | 0.8075% | 2,287 |
| Noninterest expense to average assets | 5.9050% | 298 |
| Loan and lease loss provision to assets | 0.1766% | 4,694 |
| Net operating income to assets | -1.6655% | 7,562 |
| Return on assets (ROA) | -1.6655% | 7,562 |
| Pretax return on assets | -1.6655% | 7,429 |
| Return on Equity (ROE) | -7.8466% | 7,228 |
| Retained earnings to average equity (ytd only) | -7.8466% | 6,899 |
| Net charge-offs to loans | -0.0523% | 7,706 |
| Credit loss provision to net charge-offs | -700.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4286% | 492 |
| Assets per employee ($millions) | 1.6010% | 8,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1003% | 8,153 |
| Loan loss allowance to noncurrent loans | 4.0201% | 7,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1300% | 4,421 |
| Noncurrent loans to loans | 2.4950% | 2,637 |
| Net loans and leases to total assets | 45.2444% | 7,245 |
| Net loans and leases to deposits | 64.9071% | 6,470 |
| Net loans and leases to core deposits | 73.2151% | 6,855 |
| Total domestic deposits to total assets | 69.7064% | 7,452 |
| Equity capital to assets | 30.1175% | 145 |
| Core capital (leverage) ratio | 30.3413% | 152 |
| Tier 1 risk-based capital ratio | 49.4180% | 216 |
| Total risk-based capital ratio | 49.5051% | 225 |
| Memoranda: | ||
| Average total assets | $15,851,000 | 8,091 |
| Average earning assets | $14,169,500 | 8,081 |
| Average equity | $3,364,500 | 7,667 |
| Average total loans | $7,650,500 | 8,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6872% | 2,076 |
| Cost of funding earning assets | 1.8562% | 6,854 |
| Net interest margin | 4.8310% | 732 |
| Noninterest income to average assets | 1.2524% | 940 |
| Noninterest expense to average assets | 6.3924% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.5285% | 6,940 |
| Return on assets (ROA) | -0.5285% | 6,819 |
| Pretax return on assets | -0.7312% | 6,832 |
| Return on Equity (ROE) | -4.8784% | 6,852 |
| Retained earnings to average equity (ytd only) | -9.5563% | 7,034 |
| Net charge-offs to loans | 0.5786% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -2.2955% | 6,721 |
| Efficiency ratio | 112.9156% | 657 |
| Assets per employee ($millions) | 1.5657% | 8,144 |
| Cash dividends to net income (ytd only)* | -95.8904% | 8,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 860 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 7,347 |
| Noncurrent loans to loans | 0.1092% | 7,085 |
| Net loans and leases to total assets | 50.7913% | 6,954 |
| Net loans and leases to deposits | 56.9281% | 7,265 |
| Net loans and leases to core deposits | 64.3963% | 7,428 |
| Total domestic deposits to total assets | 89.2201% | 952 |
| Equity capital to assets | 10.1128% | 3,906 |
| Core capital (leverage) ratio | 9.0392% | 4,684 |
| Tier 1 risk-based capital ratio | 15.9901% | 2,666 |
| Total risk-based capital ratio | 17.2564% | 2,608 |
| Memoranda: | ||
| Average total assets | $13,813,200 | 8,190 |
| Average earning assets | $12,606,200 | 8,176 |
| Average equity | $1,496,400 | 8,217 |
| Average total loans | $7,604,200 | 8,051 |