Home > Freeland State Bank > Performance and Condition Ratios
Freeland State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4399% | 4,565 |
| Cost of funding earning assets | 0.2350% | 4,428 |
| Net interest margin | 2.2049% | 4,316 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 2.2523% | 2,976 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | -0.0156% | 4,397 |
| Return on assets (ROA) | -0.0156% | 4,378 |
| Pretax return on assets | -0.0156% | 4,365 |
| Return on Equity (ROE) | -0.1100% | 4,352 |
| Retained earnings to average equity (ytd only) | -0.4398% | 4,135 |
| Net charge-offs to loans | -0.5981% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 103.3360% | 156 |
| Assets per employee ($millions) | 9.1793% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 706 |
| Loan loss allowance to noncurrent loans | 285.7143% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,530 |
| Noncurrent loans to loans | 0.5865% | 1,345 |
| Net loans and leases to total assets | 4.2600% | 4,465 |
| Net loans and leases to deposits | 4.9991% | 4,466 |
| Net loans and leases to core deposits | 5.0310% | 4,486 |
| Total domestic deposits to total assets | 85.2400% | 2,230 |
| Equity capital to assets | 14.7469% | 577 |
| Core capital (leverage) ratio | 16.3768% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $57,764,000 | 4,236 |
| Average earning assets | $55,740,200 | 4,192 |
| Average equity | $7,958,400 | 3,928 |
| Average total loans | $2,842,400 | 4,467 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3048% | 4,587 |
| Cost of funding earning assets | 0.2100% | 4,440 |
| Net interest margin | 2.0948% | 4,412 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.1812% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0844% | 4,468 |
| Return on assets (ROA) | -0.0844% | 4,453 |
| Pretax return on assets | -0.1050% | 4,447 |
| Return on Equity (ROE) | -0.6200% | 4,416 |
| Retained earnings to average equity (ytd only) | -0.7915% | 4,237 |
| Net charge-offs to loans | -0.6765% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 104.9396% | 129 |
| Assets per employee ($millions) | 11.3398% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7757% | 151 |
| Loan loss allowance to noncurrent loans | 486.6667% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,542 |
| Noncurrent loans to loans | 0.5703% | 1,407 |
| Net loans and leases to total assets | 4.5100% | 4,489 |
| Net loans and leases to deposits | 5.2390% | 4,491 |
| Net loans and leases to core deposits | 5.2710% | 4,475 |
| Total domestic deposits to total assets | 86.0800% | 2,162 |
| Equity capital to assets | 13.8256% | 672 |
| Core capital (leverage) ratio | 15.3794% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $58,436,000 | 4,242 |
| Average earning assets | $56,518,250 | 4,201 |
| Average equity | $7,917,500 | 3,942 |
| Average total loans | $2,956,250 | 4,493 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2923% | 4,623 |
| Cost of funding earning assets | 0.1858% | 4,445 |
| Net interest margin | 2.1065% | 4,457 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.0978% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0102% | 4,482 |
| Return on assets (ROA) | -0.0102% | 4,471 |
| Pretax return on assets | -0.0102% | 4,464 |
| Return on Equity (ROE) | -0.0800% | 4,441 |
| Retained earnings to average equity (ytd only) | -0.3273% | 4,146 |
| Net charge-offs to loans | -0.9788% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.3241% | 167 |
| Assets per employee ($millions) | 11.2156% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5641% | 200 |
| Loan loss allowance to noncurrent loans | 429.4118% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,484 |
| Noncurrent loans to loans | 0.5971% | 1,249 |
| Net loans and leases to total assets | 4.9500% | 4,519 |
| Net loans and leases to deposits | 5.7637% | 4,520 |
| Net loans and leases to core deposits | 5.7993% | 4,506 |
| Total domestic deposits to total assets | 85.8300% | 2,287 |
| Equity capital to assets | 14.0857% | 638 |
| Core capital (leverage) ratio | 15.4354% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $59,015,000 | 4,256 |
| Average earning assets | $57,061,000 | 4,217 |
| Average equity | $7,943,667 | 3,958 |
| Average total loans | $3,065,000 | 4,525 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2361% | 4,650 |
| Cost of funding earning assets | 0.1646% | 4,430 |
| Net interest margin | 2.0715% | 4,543 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.9774% | 3,673 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.0529% | 4,453 |
| Return on assets (ROA) | 0.0529% | 4,435 |
| Pretax return on assets | 0.0727% | 4,421 |
| Return on Equity (ROE) | 0.4000% | 4,424 |
| Retained earnings to average equity (ytd only) | 0.4017% | 3,960 |
| Net charge-offs to loans | -0.5041% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.1415% | 218 |
| Assets per employee ($millions) | 11.7678% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 481 |
| Loan loss allowance to noncurrent loans | 321.0526% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,457 |
| Noncurrent loans to loans | 0.6092% | 1,227 |
| Net loans and leases to total assets | 5.2000% | 4,590 |
| Net loans and leases to deposits | 6.0243% | 4,594 |
| Net loans and leases to core deposits | 6.0596% | 4,578 |
| Total domestic deposits to total assets | 86.2700% | 2,516 |
| Equity capital to assets | 13.6746% | 642 |
| Core capital (leverage) ratio | 14.6562% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $60,483,500 | 4,304 |
| Average earning assets | $58,315,000 | 4,257 |
| Average equity | $7,966,000 | 4,007 |
| Average total loans | $3,174,000 | 4,594 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0674% | 4,596 |
| Cost of funding earning assets | 0.1556% | 4,096 |
| Net interest margin | 1.9118% | 4,580 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 2.0522% | 3,436 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | -0.0066% | 4,578 |
| Return on assets (ROA) | -0.0066% | 4,566 |
| Pretax return on assets | -0.0083% | 4,561 |
| Return on Equity (ROE) | -0.0500% | 4,548 |
| Retained earnings to average equity (ytd only) | -0.3669% | 4,393 |
| Net charge-offs to loans | -0.5058% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 107.9130% | 98 |
| Assets per employee ($millions) | 8.8754% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 758 |
| Loan loss allowance to noncurrent loans | 224.0000% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,397 |
| Noncurrent loans to loans | 0.7742% | 963 |
| Net loans and leases to total assets | 5.1100% | 4,621 |
| Net loans and leases to deposits | 5.8505% | 4,623 |
| Net loans and leases to core deposits | 5.8825% | 4,607 |
| Total domestic deposits to total assets | 87.3000% | 2,292 |
| Equity capital to assets | 12.6931% | 770 |
| Core capital (leverage) ratio | 14.7889% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $60,471,400 | 4,331 |
| Average earning assets | $58,479,000 | 4,286 |
| Average equity | $8,175,800 | 4,082 |
| Average total loans | $3,558,800 | 4,629 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7973% | 4,637 |
| Cost of funding earning assets | 0.1557% | 3,783 |
| Net interest margin | 1.6416% | 4,623 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.0735% | 3,286 |
| Loan and lease loss provision to assets | -0.1900% | 4,671 |
| Net operating income to assets | -0.1909% | 4,644 |
| Return on assets (ROA) | -0.1909% | 4,623 |
| Pretax return on assets | -0.2398% | 4,621 |
| Return on Equity (ROE) | -1.3900% | 4,602 |
| Retained earnings to average equity (ytd only) | -1.5518% | 4,462 |
| Net charge-offs to loans | -0.5126% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 126.2162% | 58 |
| Assets per employee ($millions) | 8.5140% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,126 |
| Loan loss allowance to noncurrent loans | 196.2963% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,449 |
| Noncurrent loans to loans | 0.7991% | 1,005 |
| Net loans and leases to total assets | 5.5800% | 4,662 |
| Net loans and leases to deposits | 6.4269% | 4,667 |
| Net loans and leases to core deposits | 6.4638% | 4,651 |
| Total domestic deposits to total assets | 86.8300% | 2,820 |
| Equity capital to assets | 13.0709% | 667 |
| Core capital (leverage) ratio | 14.4671% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,057,250 | 4,373 |
| Average earning assets | $58,235,250 | 4,317 |
| Average equity | $8,248,250 | 4,115 |
| Average total loans | $3,641,250 | 4,666 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6975% | 4,680 |
| Cost of funding earning assets | 0.1506% | 3,566 |
| Net interest margin | 1.5469% | 4,679 |
| Noninterest income to average assets | 0.0498% | 4,631 |
| Noninterest expense to average assets | 2.0960% | 3,158 |
| Loan and lease loss provision to assets | -0.2857% | 4,717 |
| Net operating income to assets | -0.2059% | 4,640 |
| Return on assets (ROA) | -0.2059% | 4,613 |
| Pretax return on assets | -0.2591% | 4,612 |
| Return on Equity (ROE) | -1.4760% | 4,599 |
| Retained earnings to average equity (ytd only) | -1.7141% | 4,361 |
| Net charge-offs to loans | -0.5364% | 4,697 |
| Credit loss provision to net charge-offs | 860.0000% | 455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.1178% | 52 |
| Assets per employee ($millions) | 6.7218% | 2,152 |
| Cash dividends to net income (ytd only)* | -16.1290% | 4,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 1,863 |
| Loan loss allowance to noncurrent loans | 252.6316% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,663 |
| Noncurrent loans to loans | 0.5439% | 1,527 |
| Net loans and leases to total assets | 5.6946% | 4,724 |
| Net loans and leases to deposits | 6.5717% | 4,727 |
| Net loans and leases to core deposits | 6.6087% | 4,719 |
| Total domestic deposits to total assets | 86.6537% | 3,054 |
| Equity capital to assets | 13.2786% | 619 |
| Core capital (leverage) ratio | 14.6630% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,210,333 | 4,412 |
| Average earning assets | $58,439,000 | 4,372 |
| Average equity | $8,401,000 | 4,159 |
| Average total loans | $3,728,667 | 4,727 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7526% | 4,674 |
| Cost of funding earning assets | 0.1575% | 3,406 |
| Net interest margin | 1.5951% | 4,672 |
| Noninterest income to average assets | 0.0666% | 4,615 |
| Noninterest expense to average assets | 2.0044% | 3,418 |
| Loan and lease loss provision to assets | -0.5727% | 4,768 |
| Net operating income to assets | 0.1598% | 4,391 |
| Return on assets (ROA) | 0.1598% | 4,360 |
| Pretax return on assets | 0.1865% | 4,337 |
| Return on Equity (ROE) | 1.1182% | 4,408 |
| Retained earnings to average equity (ytd only) | 1.1182% | 3,801 |
| Net charge-offs to loans | -0.7279% | 4,726 |
| Credit loss provision to net charge-offs | 1,228.5714% | 299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8683% | 77 |
| Assets per employee ($millions) | 6.7021% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,917 |
| Loan loss allowance to noncurrent loans | 214.2857% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,691 |
| Noncurrent loans to loans | 0.5547% | 1,651 |
| Net loans and leases to total assets | 6.2020% | 4,750 |
| Net loans and leases to deposits | 7.2096% | 4,755 |
| Net loans and leases to core deposits | 7.2507% | 4,745 |
| Total domestic deposits to total assets | 86.0243% | 3,254 |
| Equity capital to assets | 13.9160% | 540 |
| Core capital (leverage) ratio | 14.3517% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,067,500 | 4,439 |
| Average earning assets | $58,428,000 | 4,397 |
| Average equity | $8,585,000 | 4,199 |
| Average total loans | $3,846,500 | 4,756 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6492% | 4,734 |
| Cost of funding earning assets | 0.1576% | 3,894 |
| Net interest margin | 1.4916% | 4,724 |
| Noninterest income to average assets | 0.0516% | 4,723 |
| Noninterest expense to average assets | 2.0217% | 3,613 |
| Loan and lease loss provision to assets | -0.0860% | 4,498 |
| Net operating income to assets | -0.3545% | 4,744 |
| Return on assets (ROA) | -0.3355% | 4,746 |
| Pretax return on assets | -0.4267% | 4,755 |
| Return on Equity (ROE) | -2.1603% | 4,738 |
| Retained earnings to average equity (ytd only) | -2.4484% | 4,641 |
| Net charge-offs to loans | -0.4943% | 4,780 |
| Credit loss provision to net charge-offs | 217.3913% | 1,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.1530% | 48 |
| Assets per employee ($millions) | 6.6462% | 2,204 |
| Cash dividends to net income (ytd only)* | -13.3333% | 4,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1994% | 125 |
| Loan loss allowance to noncurrent loans | 480.7692% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,694 |
| Noncurrent loans to loans | 0.6655% | 1,505 |
| Net loans and leases to total assets | 6.3227% | 4,794 |
| Net loans and leases to deposits | 7.4113% | 4,795 |
| Net loans and leases to core deposits | 7.4480% | 4,785 |
| Total domestic deposits to total assets | 85.3116% | 3,167 |
| Equity capital to assets | 14.6717% | 545 |
| Core capital (leverage) ratio | 15.1114% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,118,800 | 4,476 |
| Average earning assets | $55,844,400 | 4,442 |
| Average equity | $9,026,400 | 4,240 |
| Average total loans | $4,653,200 | 4,795 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6735% | 4,814 |
| Cost of funding earning assets | 0.1567% | 4,047 |
| Net interest margin | 1.5168% | 4,803 |
| Noninterest income to average assets | 0.0532% | 4,798 |
| Noninterest expense to average assets | 1.9412% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.3422% | 4,812 |
| Return on assets (ROA) | -0.3166% | 4,816 |
| Pretax return on assets | -0.4021% | 4,823 |
| Return on Equity (ROE) | -2.0097% | 4,804 |
| Retained earnings to average equity (ytd only) | -2.1564% | 4,708 |
| Net charge-offs to loans | -0.4959% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8344% | 60 |
| Assets per employee ($millions) | 6.6272% | 2,152 |
| Cash dividends to net income (ytd only)* | -7.2993% | 4,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9673% | 68 |
| Loan loss allowance to noncurrent loans | 531.2500% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,778 |
| Noncurrent loans to loans | 0.7468% | 1,505 |
| Net loans and leases to total assets | 6.8992% | 4,864 |
| Net loans and leases to deposits | 8.1401% | 4,870 |
| Net loans and leases to core deposits | 8.1806% | 4,859 |
| Total domestic deposits to total assets | 84.7548% | 3,197 |
| Equity capital to assets | 15.0507% | 537 |
| Core capital (leverage) ratio | 15.3122% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,694,500 | 4,537 |
| Average earning assets | $55,290,500 | 4,503 |
| Average equity | $9,089,000 | 4,296 |
| Average total loans | $4,839,750 | 4,864 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7495% | 4,845 |
| Cost of funding earning assets | 0.1574% | 4,146 |
| Net interest margin | 1.5921% | 4,832 |
| Noninterest income to average assets | 0.0526% | 4,834 |
| Noninterest expense to average assets | 1.9984% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.3296% | 4,845 |
| Return on assets (ROA) | -0.3296% | 4,851 |
| Pretax return on assets | -0.4207% | 4,858 |
| Return on Equity (ROE) | -2.0600% | 4,840 |
| Retained earnings to average equity (ytd only) | -2.2791% | 4,681 |
| Net charge-offs to loans | -0.4378% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6667% | 64 |
| Assets per employee ($millions) | 6.3908% | 2,240 |
| Cash dividends to net income (ytd only)* | -10.6383% | 4,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4381% | 102 |
| Loan loss allowance to noncurrent loans | 440.5405% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,795 |
| Noncurrent loans to loans | 0.7804% | 1,557 |
| Net loans and leases to total assets | 7.9594% | 4,901 |
| Net loans and leases to deposits | 9.4630% | 4,903 |
| Net loans and leases to core deposits | 9.4630% | 4,895 |
| Total domestic deposits to total assets | 84.1108% | 3,395 |
| Equity capital to assets | 15.7101% | 441 |
| Core capital (leverage) ratio | 15.4671% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,044,333 | 4,575 |
| Average earning assets | $54,645,333 | 4,537 |
| Average equity | $9,126,333 | 4,314 |
| Average total loans | $5,024,667 | 4,901 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7330% | 4,880 |
| Cost of funding earning assets | 0.1703% | 4,160 |
| Net interest margin | 1.5627% | 4,865 |
| Noninterest income to average assets | 0.0634% | 4,813 |
| Noninterest expense to average assets | 1.8237% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2183% | 4,846 |
| Return on assets (ROA) | -0.2183% | 4,849 |
| Pretax return on assets | -0.2746% | 4,850 |
| Return on Equity (ROE) | -1.3520% | 4,837 |
| Retained earnings to average equity (ytd only) | -1.3520% | 4,494 |
| Net charge-offs to loans | -0.3097% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7273% | 79 |
| Assets per employee ($millions) | 6.4563% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0727% | 136 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 3,449 |
| Noncurrent loans to loans | 1.6545% | 728 |
| Net loans and leases to total assets | 8.4689% | 4,926 |
| Net loans and leases to deposits | 10.0626% | 4,928 |
| Net loans and leases to core deposits | 10.0626% | 4,923 |
| Total domestic deposits to total assets | 84.1620% | 3,385 |
| Equity capital to assets | 15.7003% | 421 |
| Core capital (leverage) ratio | 15.4641% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,808,000 | 4,596 |
| Average earning assets | $54,010,000 | 4,564 |
| Average equity | $9,171,500 | 4,314 |
| Average total loans | $5,166,500 | 4,925 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0425% | 4,911 |
| Cost of funding earning assets | 0.1684% | 4,681 |
| Net interest margin | 1.8741% | 4,868 |
| Noninterest income to average assets | 0.0626% | 4,841 |
| Noninterest expense to average assets | 2.0694% | 4,003 |
| Loan and lease loss provision to assets | -0.1043% | 4,956 |
| Net operating income to assets | -0.1081% | 4,790 |
| Return on assets (ROA) | -0.0740% | 4,801 |
| Pretax return on assets | -0.0740% | 4,788 |
| Return on Equity (ROE) | -0.4211% | 4,791 |
| Retained earnings to average equity (ytd only) | -0.7019% | 4,611 |
| Net charge-offs to loans | -0.5072% | 4,953 |
| Credit loss provision to net charge-offs | 189.6552% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4402% | 113 |
| Assets per employee ($millions) | 6.1681% | 2,197 |
| Cash dividends to net income (ytd only)* | -66.6667% | 4,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8919% | 159 |
| Loan loss allowance to noncurrent loans | 281.4815% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,826 |
| Noncurrent loans to loans | 1.0274% | 1,384 |
| Net loans and leases to total assets | 9.1942% | 4,945 |
| Net loans and leases to deposits | 11.0445% | 4,951 |
| Net loans and leases to core deposits | 11.0445% | 4,945 |
| Total domestic deposits to total assets | 83.2472% | 3,343 |
| Equity capital to assets | 16.6087% | 373 |
| Core capital (leverage) ratio | 18.3329% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,721,400 | 4,617 |
| Average earning assets | $50,477,400 | 4,578 |
| Average equity | $9,260,600 | 4,276 |
| Average total loans | $5,717,800 | 4,944 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0868% | 4,959 |
| Cost of funding earning assets | 0.1648% | 4,765 |
| Net interest margin | 1.9220% | 4,907 |
| Noninterest income to average assets | 0.0692% | 4,849 |
| Noninterest expense to average assets | 1.9965% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0743% | 4,801 |
| Return on assets (ROA) | -0.0282% | 4,803 |
| Pretax return on assets | -0.0282% | 4,797 |
| Return on Equity (ROE) | -0.1582% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.3020% | 4,525 |
| Net charge-offs to loans | -0.4571% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8667% | 140 |
| Assets per employee ($millions) | 5.9207% | 2,336 |
| Cash dividends to net income (ytd only)* | -90.9091% | 5,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5288% | 90 |
| Loan loss allowance to noncurrent loans | 341.3793% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 3,890 |
| Noncurrent loans to loans | 1.0337% | 1,450 |
| Net loans and leases to total assets | 10.1584% | 4,977 |
| Net loans and leases to deposits | 12.3469% | 4,980 |
| Net loans and leases to core deposits | 12.3469% | 4,978 |
| Total domestic deposits to total assets | 82.2749% | 3,349 |
| Equity capital to assets | 17.3779% | 344 |
| Core capital (leverage) ratio | 17.2567% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,023,500 | 4,648 |
| Average earning assets | $50,154,750 | 4,602 |
| Average equity | $9,270,750 | 4,293 |
| Average total loans | $5,833,250 | 4,977 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1583% | 5,006 |
| Cost of funding earning assets | 0.1691% | 4,837 |
| Net interest margin | 1.9891% | 4,949 |
| Noninterest income to average assets | 0.0775% | 4,845 |
| Noninterest expense to average assets | 2.0038% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0116% | 4,785 |
| Return on assets (ROA) | -0.0116% | 4,800 |
| Pretax return on assets | -0.0116% | 4,797 |
| Return on Equity (ROE) | -0.0647% | 4,797 |
| Retained earnings to average equity (ytd only) | -0.2803% | 4,357 |
| Net charge-offs to loans | -0.4401% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5837% | 177 |
| Assets per employee ($millions) | 5.8082% | 2,366 |
| Cash dividends to net income (ytd only)* | -333.3333% | 5,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3177% | 105 |
| Loan loss allowance to noncurrent loans | 227.3810% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 3,721 |
| Noncurrent loans to loans | 1.4591% | 1,049 |
| Net loans and leases to total assets | 10.6477% | 5,012 |
| Net loans and leases to deposits | 12.9971% | 5,011 |
| Net loans and leases to core deposits | 12.9971% | 5,010 |
| Total domestic deposits to total assets | 81.9241% | 3,394 |
| Equity capital to assets | 17.7488% | 321 |
| Core capital (leverage) ratio | 17.5621% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,602,667 | 4,666 |
| Average earning assets | $49,669,667 | 4,626 |
| Average equity | $9,274,333 | 4,313 |
| Average total loans | $5,907,333 | 5,008 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4312% | 5,056 |
| Cost of funding earning assets | 0.1783% | 4,931 |
| Net interest margin | 2.2529% | 4,938 |
| Noninterest income to average assets | 0.1014% | 4,821 |
| Noninterest expense to average assets | 1.9506% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3199% | 4,306 |
| Return on assets (ROA) | 0.3199% | 4,332 |
| Pretax return on assets | 0.3199% | 4,425 |
| Return on Equity (ROE) | 1.7687% | 4,493 |
| Retained earnings to average equity (ytd only) | 1.7687% | 3,524 |
| Net charge-offs to loans | -0.4680% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9107% | 716 |
| Assets per employee ($millions) | 5.7199% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1314% | 136 |
| Loan loss allowance to noncurrent loans | 206.7416% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,802 |
| Noncurrent loans to loans | 1.5146% | 1,056 |
| Net loans and leases to total assets | 11.0569% | 5,057 |
| Net loans and leases to deposits | 13.5530% | 5,056 |
| Net loans and leases to core deposits | 13.7717% | 5,051 |
| Total domestic deposits to total assets | 81.5828% | 3,528 |
| Equity capital to assets | 18.1006% | 347 |
| Core capital (leverage) ratio | 17.7040% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,267,000 | 4,690 |
| Average earning assets | $49,358,500 | 4,649 |
| Average equity | $9,272,500 | 4,335 |
| Average total loans | $5,982,500 | 5,056 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6124% | 5,114 |
| Cost of funding earning assets | 0.1770% | 5,005 |
| Net interest margin | 2.4355% | 4,998 |
| Noninterest income to average assets | 0.1120% | 4,893 |
| Noninterest expense to average assets | 2.2929% | 3,960 |
| Loan and lease loss provision to assets | -0.0982% | 5,077 |
| Net operating income to assets | 0.1886% | 4,848 |
| Return on assets (ROA) | 0.1749% | 4,887 |
| Pretax return on assets | 0.1749% | 4,904 |
| Return on Equity (ROE) | 0.9803% | 4,916 |
| Retained earnings to average equity (ytd only) | 0.6939% | 4,492 |
| Net charge-offs to loans | -0.3864% | 5,105 |
| Credit loss provision to net charge-offs | 185.1852% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2077% | 206 |
| Assets per employee ($millions) | 5.1055% | 2,448 |
| Cash dividends to net income (ytd only)* | 29.2135% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9069% | 140 |
| Loan loss allowance to noncurrent loans | 141.6000% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,142 |
| Noncurrent loans to loans | 2.0529% | 619 |
| Net loans and leases to total assets | 11.5797% | 5,116 |
| Net loans and leases to deposits | 14.1578% | 5,119 |
| Net loans and leases to core deposits | 14.1578% | 5,115 |
| Total domestic deposits to total assets | 81.7902% | 3,563 |
| Equity capital to assets | 18.0727% | 363 |
| Core capital (leverage) ratio | 18.5834% | 303 |
| Tier 1 risk-based capital ratio | 131.8057% | 36 |
| Total risk-based capital ratio | 133.0739% | 35 |
| Memoranda: | ||
| Average total assets | $50,896,600 | 4,734 |
| Average earning assets | $47,465,400 | 4,723 |
| Average equity | $9,079,200 | 4,365 |
| Average total loans | $6,987,800 | 5,107 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6909% | 5,198 |
| Cost of funding earning assets | 0.1817% | 5,070 |
| Net interest margin | 2.5092% | 5,060 |
| Noninterest income to average assets | 0.1154% | 4,937 |
| Noninterest expense to average assets | 2.2022% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2307% | 4,926 |
| Return on assets (ROA) | 0.2124% | 4,958 |
| Pretax return on assets | 0.2124% | 4,979 |
| Return on Equity (ROE) | 1.1944% | 4,995 |
| Retained earnings to average equity (ytd only) | 1.0469% | 4,554 |
| Net charge-offs to loans | -0.3698% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5172% | 308 |
| Assets per employee ($millions) | 5.1616% | 2,385 |
| Cash dividends to net income (ytd only)* | 12.3426% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3607% | 98 |
| Loan loss allowance to noncurrent loans | 127.0115% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 3,180 |
| Noncurrent loans to loans | 2.6460% | 415 |
| Net loans and leases to total assets | 12.3121% | 5,193 |
| Net loans and leases to deposits | 15.0318% | 5,193 |
| Net loans and leases to core deposits | 15.0318% | 5,188 |
| Total domestic deposits to total assets | 81.9068% | 3,495 |
| Equity capital to assets | 17.8336% | 409 |
| Core capital (leverage) ratio | 18.0511% | 348 |
| Tier 1 risk-based capital ratio | 80.9393% | 53 |
| Total risk-based capital ratio | 82.1953% | 53 |
| Memoranda: | ||
| Average total assets | $50,857,000 | 4,802 |
| Average earning assets | $46,972,500 | 4,798 |
| Average equity | $9,042,250 | 4,419 |
| Average total loans | $7,212,500 | 5,182 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5306% | 5,268 |
| Cost of funding earning assets | 0.1720% | 5,125 |
| Net interest margin | 2.3586% | 5,177 |
| Noninterest income to average assets | 0.1265% | 4,940 |
| Noninterest expense to average assets | 2.2133% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1897% | 5,007 |
| Return on assets (ROA) | 0.1620% | 5,035 |
| Pretax return on assets | 0.1620% | 5,042 |
| Return on Equity (ROE) | 0.9123% | 5,059 |
| Retained earnings to average equity (ytd only) | 0.6898% | 4,514 |
| Net charge-offs to loans | -0.3502% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1053% | 277 |
| Assets per employee ($millions) | 5.0729% | 2,388 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0602% | 123 |
| Loan loss allowance to noncurrent loans | 146.5753% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,401 |
| Noncurrent loans to loans | 2.0878% | 666 |
| Net loans and leases to total assets | 13.3632% | 5,238 |
| Net loans and leases to deposits | 16.3389% | 5,238 |
| Net loans and leases to core deposits | 16.3389% | 5,235 |
| Total domestic deposits to total assets | 81.7875% | 3,582 |
| Equity capital to assets | 18.0232% | 378 |
| Core capital (leverage) ratio | 18.0143% | 342 |
| Tier 1 risk-based capital ratio | 116.5068% | 38 |
| Total risk-based capital ratio | 117.7982% | 37 |
| Memoranda: | ||
| Average total assets | $50,604,000 | 4,836 |
| Average earning assets | $48,843,000 | 4,793 |
| Average equity | $8,988,000 | 4,436 |
| Average total loans | $7,424,670 | 5,225 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4218% | 5,340 |
| Cost of funding earning assets | 0.1800% | 5,159 |
| Net interest margin | 2.2418% | 5,265 |
| Noninterest income to average assets | 0.1187% | 5,021 |
| Noninterest expense to average assets | 2.1606% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1266% | 5,077 |
| Return on assets (ROA) | 0.1266% | 5,083 |
| Pretax return on assets | 0.1266% | 5,086 |
| Return on Equity (ROE) | 0.7183% | 5,099 |
| Retained earnings to average equity (ytd only) | 0.7183% | 4,381 |
| Net charge-offs to loans | -0.3665% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4637% | 260 |
| Assets per employee ($millions) | 5.0517% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7674% | 171 |
| Loan loss allowance to noncurrent loans | 131.8471% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 2,742 |
| Noncurrent loans to loans | 2.0989% | 700 |
| Net loans and leases to total assets | 14.3971% | 5,295 |
| Net loans and leases to deposits | 17.5295% | 5,292 |
| Net loans and leases to core deposits | 17.5295% | 5,291 |
| Total domestic deposits to total assets | 82.1308% | 3,691 |
| Equity capital to assets | 17.7544% | 367 |
| Core capital (leverage) ratio | 17.6862% | 353 |
| Tier 1 risk-based capital ratio | 111.3069% | 39 |
| Total risk-based capital ratio | 112.5795% | 39 |
| Memoranda: | ||
| Average total assets | $50,541,500 | 4,890 |
| Average earning assets | $48,888,500 | 4,842 |
| Average equity | $8,910,500 | 4,475 |
| Average total loans | $7,640,500 | 5,283 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2838% | 5,355 |
| Cost of funding earning assets | 0.1724% | 5,102 |
| Net interest margin | 2.1114% | 5,321 |
| Noninterest income to average assets | 0.1370% | 5,024 |
| Noninterest expense to average assets | 2.3266% | 4,062 |
| Loan and lease loss provision to assets | -0.1076% | 5,278 |
| Net operating income to assets | -0.0450% | 5,245 |
| Return on assets (ROA) | -0.0450% | 5,241 |
| Pretax return on assets | -0.0450% | 5,237 |
| Return on Equity (ROE) | -0.2587% | 5,239 |
| Retained earnings to average equity (ytd only) | -0.5512% | 5,045 |
| Net charge-offs to loans | -0.3178% | 5,313 |
| Credit loss provision to net charge-offs | 203.7037% | 1,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0207% | 97 |
| Assets per employee ($millions) | 5.0566% | 2,427 |
| Cash dividends to net income (ytd only)* | -113.0435% | 5,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5766% | 212 |
| Loan loss allowance to noncurrent loans | 122.5610% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 2,641 |
| Noncurrent loans to loans | 2.1023% | 628 |
| Net loans and leases to total assets | 15.0299% | 5,337 |
| Net loans and leases to deposits | 18.2228% | 5,334 |
| Net loans and leases to core deposits | 18.2228% | 5,334 |
| Total domestic deposits to total assets | 82.4783% | 3,494 |
| Equity capital to assets | 17.5058% | 378 |
| Core capital (leverage) ratio | 18.4130% | 300 |
| Tier 1 risk-based capital ratio | 103.4522% | 39 |
| Total risk-based capital ratio | 104.7055% | 39 |
| Memoranda: | ||
| Average total assets | $51,104,600 | 4,914 |
| Average earning assets | $49,302,800 | 4,870 |
| Average equity | $8,890,000 | 4,471 |
| Average total loans | $8,496,000 | 5,316 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2589% | 5,428 |
| Cost of funding earning assets | 0.1727% | 5,128 |
| Net interest margin | 2.0862% | 5,397 |
| Noninterest income to average assets | 0.0962% | 5,226 |
| Noninterest expense to average assets | 2.1201% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0052% | 5,302 |
| Return on assets (ROA) | -0.0052% | 5,297 |
| Pretax return on assets | -0.0130% | 5,300 |
| Return on Equity (ROE) | -0.0300% | 5,297 |
| Retained earnings to average equity (ytd only) | -0.1795% | 5,056 |
| Net charge-offs to loans | 0.5383% | 278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -0.1429% | 3,422 |
| Efficiency ratio | 100.6173% | 146 |
| Assets per employee ($millions) | 5.0613% | 2,394 |
| Cash dividends to net income (ytd only)* | -499.2509% | 5,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 287 |
| Loan loss allowance to noncurrent loans | 183.0189% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 3,200 |
| Noncurrent loans to loans | 1.2841% | 1,313 |
| Net loans and leases to total assets | 15.9267% | 5,404 |
| Net loans and leases to deposits | 19.3365% | 5,400 |
| Net loans and leases to core deposits | 19.3365% | 5,403 |
| Total domestic deposits to total assets | 82.3662% | 3,501 |
| Equity capital to assets | 17.4837% | 379 |
| Core capital (leverage) ratio | 18.1631% | 318 |
| Tier 1 risk-based capital ratio | 68.5708% | 62 |
| Total risk-based capital ratio | 69.8303% | 63 |
| Memoranda: | ||
| Average total assets | $51,253,000 | 4,965 |
| Average earning assets | $49,403,250 | 4,917 |
| Average equity | $8,913,250 | 4,510 |
| Average total loans | $8,669,750 | 5,380 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2518% | 5,491 |
| Cost of funding earning assets | 0.1695% | 5,158 |
| Net interest margin | 2.0823% | 5,458 |
| Noninterest income to average assets | 0.1010% | 5,269 |
| Noninterest expense to average assets | 2.1140% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0078% | 5,347 |
| Return on assets (ROA) | -0.0078% | 5,340 |
| Pretax return on assets | -0.0078% | 5,338 |
| Return on Equity (ROE) | -0.0448% | 5,338 |
| Retained earnings to average equity (ytd only) | -0.2686% | 4,993 |
| Net charge-offs to loans | -0.2952% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3690% | 166 |
| Assets per employee ($millions) | 5.1329% | 2,257 |
| Cash dividends to net income (ytd only)* | -500.0000% | 5,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8592% | 166 |
| Loan loss allowance to noncurrent loans | 220.0000% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 2,850 |
| Noncurrent loans to loans | 1.2996% | 1,311 |
| Net loans and leases to total assets | 16.0182% | 5,466 |
| Net loans and leases to deposits | 19.4052% | 5,467 |
| Net loans and leases to core deposits | 19.4052% | 5,467 |
| Total domestic deposits to total assets | 82.5459% | 3,555 |
| Equity capital to assets | 17.2963% | 377 |
| Core capital (leverage) ratio | 17.6839% | 336 |
| Tier 1 risk-based capital ratio | 69.1998% | 68 |
| Total risk-based capital ratio | 70.4601% | 68 |
| Memoranda: | ||
| Average total assets | $51,466,330 | 5,024 |
| Average earning assets | $49,560,330 | 4,975 |
| Average equity | $8,934,670 | 4,543 |
| Average total loans | $8,808,000 | 5,436 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2519% | 5,554 |
| Cost of funding earning assets | 0.1701% | 5,164 |
| Net interest margin | 2.0818% | 5,530 |
| Noninterest income to average assets | 0.1009% | 5,326 |
| Noninterest expense to average assets | 2.0413% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0466% | 5,361 |
| Return on assets (ROA) | 0.0466% | 5,357 |
| Pretax return on assets | 0.0543% | 5,354 |
| Return on Equity (ROE) | 0.2678% | 5,366 |
| Retained earnings to average equity (ytd only) | 0.2678% | 4,766 |
| Net charge-offs to loans | -0.3118% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4074% | 218 |
| Assets per employee ($millions) | 5.1671% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6493% | 216 |
| Loan loss allowance to noncurrent loans | 196.6667% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 2,884 |
| Noncurrent loans to loans | 1.3471% | 1,323 |
| Net loans and leases to total assets | 16.7831% | 5,521 |
| Net loans and leases to deposits | 20.3011% | 5,521 |
| Net loans and leases to core deposits | 20.3011% | 5,520 |
| Total domestic deposits to total assets | 82.6711% | 3,764 |
| Equity capital to assets | 17.2689% | 378 |
| Core capital (leverage) ratio | 17.1731% | 366 |
| Tier 1 risk-based capital ratio | 65.6814% | 76 |
| Total risk-based capital ratio | 67.8173% | 69 |
| Memoranda: | ||
| Average total assets | $51,535,000 | 5,085 |
| Average earning assets | $49,380,500 | 5,039 |
| Average equity | $8,963,000 | 4,589 |
| Average total loans | $8,980,000 | 5,492 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0939% | 5,603 |
| Cost of funding earning assets | 0.1796% | 5,095 |
| Net interest margin | 1.9142% | 5,585 |
| Noninterest income to average assets | 0.0751% | 5,472 |
| Noninterest expense to average assets | 2.1473% | 4,654 |
| Loan and lease loss provision to assets | -0.0963% | 5,473 |
| Net operating income to assets | -0.0821% | 5,409 |
| Return on assets (ROA) | -0.0809% | 5,410 |
| Pretax return on assets | -0.1271% | 5,476 |
| Return on Equity (ROE) | -0.4598% | 5,398 |
| Retained earnings to average equity (ytd only) | -0.7444% | 5,150 |
| Net charge-offs to loans | -0.2978% | 5,565 |
| Credit loss provision to net charge-offs | 172.4138% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7234% | 94 |
| Assets per employee ($millions) | 5.1399% | 2,324 |
| Cash dividends to net income (ytd only)* | -61.9048% | 5,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5298% | 235 |
| Loan loss allowance to noncurrent loans | 183.2000% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 2,795 |
| Noncurrent loans to loans | 1.3809% | 1,247 |
| Net loans and leases to total assets | 17.1657% | 5,583 |
| Net loans and leases to deposits | 20.8153% | 5,589 |
| Net loans and leases to core deposits | 20.8153% | 5,589 |
| Total domestic deposits to total assets | 82.4666% | 3,739 |
| Equity capital to assets | 17.5159% | 356 |
| Core capital (leverage) ratio | 17.8618% | 305 |
| Tier 1 risk-based capital ratio | 66.6935% | 68 |
| Total risk-based capital ratio | 67.9430% | 67 |
| Memoranda: | ||
| Average total assets | $51,926,000 | 5,122 |
| Average earning assets | $50,098,600 | 5,059 |
| Average equity | $9,134,400 | 4,591 |
| Average total loans | $9,738,400 | 5,543 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0903% | 5,673 |
| Cost of funding earning assets | 0.1823% | 5,123 |
| Net interest margin | 1.9080% | 5,655 |
| Noninterest income to average assets | 0.2971% | 4,407 |
| Noninterest expense to average assets | 2.0976% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0461% | 5,482 |
| Return on assets (ROA) | 0.0461% | 5,489 |
| Pretax return on assets | 0.0487% | 5,489 |
| Return on Equity (ROE) | 0.2618% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.1164% | 5,182 |
| Net charge-offs to loans | -0.2691% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7327% | 208 |
| Assets per employee ($millions) | 5.1771% | 2,250 |
| Cash dividends to net income (ytd only)* | 55.5417% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8650% | 179 |
| Loan loss allowance to noncurrent loans | 101.8868% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 1,717 |
| Noncurrent loans to loans | 2.8120% | 485 |
| Net loans and leases to total assets | 17.6817% | 5,652 |
| Net loans and leases to deposits | 21.5662% | 5,650 |
| Net loans and leases to core deposits | 21.7058% | 5,648 |
| Total domestic deposits to total assets | 81.9880% | 3,782 |
| Equity capital to assets | 17.7358% | 356 |
| Core capital (leverage) ratio | 17.8852% | 310 |
| Tier 1 risk-based capital ratio | 96.3278% | 44 |
| Total risk-based capital ratio | 97.5973% | 42 |
| Memoranda: | ||
| Average total assets | $52,057,750 | 5,178 |
| Average earning assets | $50,453,000 | 5,113 |
| Average equity | $9,167,250 | 4,636 |
| Average total loans | $9,910,000 | 5,602 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0654% | 5,725 |
| Cost of funding earning assets | 0.1820% | 5,123 |
| Net interest margin | 1.8834% | 5,713 |
| Noninterest income to average assets | 0.3873% | 3,772 |
| Noninterest expense to average assets | 2.0823% | 4,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1150% | 5,480 |
| Return on assets (ROA) | 0.1150% | 5,483 |
| Pretax return on assets | 0.1304% | 5,482 |
| Return on Equity (ROE) | 0.6549% | 5,510 |
| Retained earnings to average equity (ytd only) | 0.4366% | 4,986 |
| Net charge-offs to loans | -0.2780% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1075% | 307 |
| Assets per employee ($millions) | 5.7002% | 1,699 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6848% | 224 |
| Loan loss allowance to noncurrent loans | 168.1529% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 2,234 |
| Noncurrent loans to loans | 1.5967% | 1,162 |
| Net loans and leases to total assets | 18.6523% | 5,691 |
| Net loans and leases to deposits | 22.8072% | 5,693 |
| Net loans and leases to core deposits | 22.9561% | 5,694 |
| Total domestic deposits to total assets | 81.7824% | 3,948 |
| Equity capital to assets | 17.9584% | 327 |
| Core capital (leverage) ratio | 17.5690% | 325 |
| Tier 1 risk-based capital ratio | 70.6302% | 62 |
| Total risk-based capital ratio | 71.8875% | 61 |
| Memoranda: | ||
| Average total assets | $52,153,330 | 5,209 |
| Average earning assets | $50,547,000 | 5,148 |
| Average equity | $9,162,330 | 4,658 |
| Average total loans | $10,072,000 | 5,646 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9647% | 5,800 |
| Cost of funding earning assets | 0.1886% | 5,080 |
| Net interest margin | 1.7760% | 5,789 |
| Noninterest income to average assets | 0.1065% | 5,566 |
| Noninterest expense to average assets | 1.9019% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0380% | 5,626 |
| Return on assets (ROA) | -0.0380% | 5,631 |
| Pretax return on assets | -0.0761% | 5,631 |
| Return on Equity (ROE) | -0.2189% | 5,627 |
| Retained earnings to average equity (ytd only) | -0.2189% | 4,957 |
| Net charge-offs to loans | -0.2747% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1667% | 172 |
| Assets per employee ($millions) | 5.8100% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5488% | 299 |
| Loan loss allowance to noncurrent loans | 114.2222% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4859% | 1,086 |
| Noncurrent loans to loans | 2.2315% | 750 |
| Net loans and leases to total assets | 18.7914% | 5,757 |
| Net loans and leases to deposits | 22.8156% | 5,755 |
| Net loans and leases to core deposits | 22.9606% | 5,755 |
| Total domestic deposits to total assets | 82.3618% | 4,069 |
| Equity capital to assets | 17.4814% | 342 |
| Core capital (leverage) ratio | 16.8678% | 371 |
| Tier 1 risk-based capital ratio | 65.2183% | 76 |
| Total risk-based capital ratio | 66.4740% | 74 |
| Memoranda: | ||
| Average total assets | $52,579,000 | 5,258 |
| Average earning assets | $50,899,500 | 5,195 |
| Average equity | $9,137,000 | 4,694 |
| Average total loans | $10,191,500 | 5,707 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1081% | 5,832 |
| Cost of funding earning assets | 0.1863% | 5,147 |
| Net interest margin | 1.9218% | 5,819 |
| Noninterest income to average assets | 0.2624% | 4,856 |
| Noninterest expense to average assets | 2.0524% | 5,090 |
| Loan and lease loss provision to assets | -0.0937% | 5,680 |
| Net operating income to assets | 0.1050% | 5,554 |
| Return on assets (ROA) | 0.1050% | 5,587 |
| Pretax return on assets | 0.1406% | 5,554 |
| Return on Equity (ROE) | 0.6062% | 5,617 |
| Retained earnings to average equity (ytd only) | 0.3248% | 5,192 |
| Net charge-offs to loans | -1.2558% | 5,863 |
| Credit loss provision to net charge-offs | 35.9712% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7679% | 252 |
| Assets per employee ($millions) | 5.8742% | 1,563 |
| Cash dividends to net income (ytd only)* | 46.4286% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 343 |
| Loan loss allowance to noncurrent loans | 138.8889% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 1,240 |
| Noncurrent loans to loans | 1.7476% | 1,100 |
| Net loans and leases to total assets | 19.0096% | 5,813 |
| Net loans and leases to deposits | 23.0088% | 5,809 |
| Net loans and leases to core deposits | 23.1529% | 5,813 |
| Total domestic deposits to total assets | 82.6190% | 3,888 |
| Equity capital to assets | 17.2751% | 356 |
| Core capital (leverage) ratio | 17.5649% | 310 |
| Tier 1 risk-based capital ratio | 64.7906% | 71 |
| Total risk-based capital ratio | 66.0476% | 71 |
| Memoranda: | ||
| Average total assets | $53,352,200 | 5,276 |
| Average earning assets | $50,994,600 | 5,226 |
| Average equity | $9,237,400 | 4,704 |
| Average total loans | $11,068,400 | 5,744 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0978% | 5,900 |
| Cost of funding earning assets | 0.1907% | 5,170 |
| Net interest margin | 1.9071% | 5,883 |
| Noninterest income to average assets | 0.2443% | 5,012 |
| Noninterest expense to average assets | 1.9199% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1272% | 5,592 |
| Return on assets (ROA) | 0.1272% | 5,646 |
| Pretax return on assets | 0.1446% | 5,631 |
| Return on Equity (ROE) | 0.7341% | 5,677 |
| Retained earnings to average equity (ytd only) | 0.5902% | 5,202 |
| Net charge-offs to loans | -0.2368% | 5,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9952% | 429 |
| Assets per employee ($millions) | 5.8628% | 1,538 |
| Cash dividends to net income (ytd only)* | 19.6029% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 1,202 |
| Loan loss allowance to noncurrent loans | 111.7284% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 1,390 |
| Noncurrent loans to loans | 1.5290% | 1,417 |
| Net loans and leases to total assets | 19.7366% | 5,874 |
| Net loans and leases to deposits | 24.0048% | 5,870 |
| Net loans and leases to core deposits | 24.1557% | 5,878 |
| Total domestic deposits to total assets | 82.2193% | 3,872 |
| Equity capital to assets | 17.5457% | 387 |
| Core capital (leverage) ratio | 17.4036% | 337 |
| Tier 1 risk-based capital ratio | 64.2178% | 72 |
| Total risk-based capital ratio | 65.4620% | 73 |
| Memoranda: | ||
| Average total assets | $53,473,250 | 5,329 |
| Average earning assets | $51,035,250 | 5,275 |
| Average equity | $9,263,500 | 4,753 |
| Average total loans | $11,260,500 | 5,806 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1299% | 5,983 |
| Cost of funding earning assets | 0.1915% | 5,228 |
| Net interest margin | 1.9384% | 5,962 |
| Noninterest income to average assets | 0.2867% | 4,734 |
| Noninterest expense to average assets | 1.8544% | 5,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2123% | 5,501 |
| Return on assets (ROA) | 0.2123% | 5,562 |
| Pretax return on assets | 0.2793% | 5,530 |
| Return on Equity (ROE) | 1.2304% | 5,650 |
| Retained earnings to average equity (ytd only) | 1.0145% | 4,983 |
| Net charge-offs to loans | -0.2264% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9110% | 802 |
| Assets per employee ($millions) | 5.8688% | 1,496 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,684 |
| Loan loss allowance to noncurrent loans | 38.6667% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.4711% | 1,317 |
| Noncurrent loans to loans | 4.0025% | 289 |
| Net loans and leases to total assets | 20.9565% | 5,929 |
| Net loans and leases to deposits | 25.5287% | 5,928 |
| Net loans and leases to core deposits | 25.8422% | 5,939 |
| Total domestic deposits to total assets | 82.0898% | 3,978 |
| Equity capital to assets | 17.5903% | 372 |
| Core capital (leverage) ratio | 17.1996% | 350 |
| Tier 1 risk-based capital ratio | 64.2328% | 82 |
| Total risk-based capital ratio | 65.4486% | 81 |
| Memoranda: | ||
| Average total assets | $53,709,330 | 5,381 |
| Average earning assets | $51,175,000 | 5,334 |
| Average equity | $9,265,330 | 4,785 |
| Average total loans | $11,482,330 | 5,874 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1507% | 6,042 |
| Cost of funding earning assets | 0.2260% | 4,940 |
| Net interest margin | 1.9247% | 6,028 |
| Noninterest income to average assets | 0.4062% | 3,778 |
| Noninterest expense to average assets | 1.8023% | 5,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2955% | 5,321 |
| Return on assets (ROA) | 0.2955% | 5,397 |
| Pretax return on assets | 0.4284% | 5,248 |
| Return on Equity (ROE) | 1.7293% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.7293% | 4,579 |
| Net charge-offs to loans | -0.2069% | 5,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7947% | 1,511 |
| Assets per employee ($millions) | 5.3657% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 2,172 |
| Loan loss allowance to noncurrent loans | 61.1722% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 1,978 |
| Noncurrent loans to loans | 2.3803% | 820 |
| Net loans and leases to total assets | 21.0634% | 5,976 |
| Net loans and leases to deposits | 25.5586% | 5,978 |
| Net loans and leases to core deposits | 25.8663% | 5,988 |
| Total domestic deposits to total assets | 82.4124% | 4,088 |
| Equity capital to assets | 17.3081% | 396 |
| Core capital (leverage) ratio | 16.9462% | 378 |
| Tier 1 risk-based capital ratio | 63.4348% | 81 |
| Total risk-based capital ratio | 64.5881% | 81 |
| Memoranda: | ||
| Average total assets | $54,154,500 | 5,417 |
| Average earning assets | $51,331,500 | 5,379 |
| Average equity | $9,252,500 | 4,804 |
| Average total loans | $11,602,000 | 5,927 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2516% | 6,066 |
| Cost of funding earning assets | 0.2104% | 5,187 |
| Net interest margin | 2.0411% | 6,043 |
| Noninterest income to average assets | 0.1630% | 5,605 |
| Noninterest expense to average assets | 2.2460% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0946% | 5,921 |
| Return on assets (ROA) | -0.0888% | 5,935 |
| Pretax return on assets | -0.1413% | 5,942 |
| Return on Equity (ROE) | -0.5242% | 5,923 |
| Retained earnings to average equity (ytd only) | -0.8023% | 5,634 |
| Net charge-offs to loans | -0.1599% | 5,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1737% | 168 |
| Assets per employee ($millions) | 5.4652% | 1,843 |
| Cash dividends to net income (ytd only)* | -53.0612% | 6,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 2,543 |
| Loan loss allowance to noncurrent loans | 36.6743% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.5644% | 1,269 |
| Noncurrent loans to loans | 3.7409% | 347 |
| Net loans and leases to total assets | 21.1776% | 6,036 |
| Net loans and leases to deposits | 25.5339% | 6,038 |
| Net loans and leases to core deposits | 25.8331% | 6,045 |
| Total domestic deposits to total assets | 82.9393% | 3,849 |
| Equity capital to assets | 16.8667% | 427 |
| Core capital (leverage) ratio | 17.1034% | 355 |
| Tier 1 risk-based capital ratio | 60.9829% | 84 |
| Total risk-based capital ratio | 62.0565% | 83 |
| Memoranda: | ||
| Average total assets | $55,208,400 | 5,428 |
| Average earning assets | $52,274,600 | 5,378 |
| Average equity | $9,348,200 | 4,778 |
| Average total loans | $12,506,200 | 5,962 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2408% | 6,160 |
| Cost of funding earning assets | 0.2155% | 5,225 |
| Net interest margin | 2.0254% | 6,135 |
| Noninterest income to average assets | 0.1734% | 5,610 |
| Noninterest expense to average assets | 2.1825% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0487% | 5,967 |
| Return on assets (ROA) | -0.0410% | 5,992 |
| Pretax return on assets | -0.0723% | 6,005 |
| Return on Equity (ROE) | -0.2417% | 5,986 |
| Retained earnings to average equity (ytd only) | -0.3838% | 5,673 |
| Net charge-offs to loans | -0.1365% | 5,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0184% | 210 |
| Assets per employee ($millions) | 5.5251% | 1,766 |
| Cash dividends to net income (ytd only)* | -58.8002% | 6,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 3,349 |
| Loan loss allowance to noncurrent loans | 15.5870% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 754 |
| Noncurrent loans to loans | 8.0371% | 70 |
| Net loans and leases to total assets | 21.9706% | 6,116 |
| Net loans and leases to deposits | 26.5944% | 6,122 |
| Net loans and leases to core deposits | 27.3419% | 6,122 |
| Total domestic deposits to total assets | 82.6139% | 3,951 |
| Equity capital to assets | 16.9282% | 440 |
| Core capital (leverage) ratio | 16.8105% | 396 |
| Tier 1 risk-based capital ratio | 55.4630% | 111 |
| Total risk-based capital ratio | 56.3922% | 111 |
| Memoranda: | ||
| Average total assets | $55,347,500 | 5,495 |
| Average earning assets | $52,598,500 | 5,439 |
| Average equity | $9,380,750 | 4,831 |
| Average total loans | $12,699,000 | 6,038 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2249% | 6,235 |
| Cost of funding earning assets | 0.2176% | 5,285 |
| Net interest margin | 2.0073% | 6,209 |
| Noninterest income to average assets | 0.1697% | 5,688 |
| Noninterest expense to average assets | 2.1271% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0116% | 6,004 |
| Return on assets (ROA) | 0.0000% | 6,026 |
| Pretax return on assets | -0.0072% | 6,024 |
| Return on Equity (ROE) | 0.0000% | 6,026 |
| Retained earnings to average equity (ytd only) | -0.2130% | 5,545 |
| Net charge-offs to loans | -0.0779% | 5,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2027% | 293 |
| Assets per employee ($millions) | 5.4189% | 1,820 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 4,068 |
| Loan loss allowance to noncurrent loans | 22.0211% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8269% | 1,257 |
| Noncurrent loans to loans | 5.2320% | 207 |
| Net loans and leases to total assets | 23.1154% | 6,173 |
| Net loans and leases to deposits | 28.0858% | 6,168 |
| Net loans and leases to core deposits | 28.8924% | 6,172 |
| Total domestic deposits to total assets | 82.3027% | 4,189 |
| Equity capital to assets | 17.2803% | 395 |
| Core capital (leverage) ratio | 16.5898% | 403 |
| Tier 1 risk-based capital ratio | 55.9640% | 113 |
| Total risk-based capital ratio | 56.8512% | 113 |
| Memoranda: | ||
| Average total assets | $55,379,670 | 5,555 |
| Average earning assets | $53,305,000 | 5,482 |
| Average equity | $9,390,000 | 4,860 |
| Average total loans | $12,834,330 | 6,100 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1830% | 6,310 |
| Cost of funding earning assets | 0.2153% | 5,360 |
| Net interest margin | 1.9676% | 6,282 |
| Noninterest income to average assets | 0.1644% | 5,751 |
| Noninterest expense to average assets | 2.1581% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0612% | 6,065 |
| Return on assets (ROA) | -0.0429% | 6,086 |
| Pretax return on assets | -0.0715% | 6,098 |
| Return on Equity (ROE) | -0.2552% | 6,078 |
| Retained earnings to average equity (ytd only) | -0.2552% | 5,424 |
| Net charge-offs to loans | -0.2478% | 6,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8611% | 259 |
| Assets per employee ($millions) | 5.5844% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 4,143 |
| Loan loss allowance to noncurrent loans | 24.9581% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 1.6546% | 1,530 |
| Noncurrent loans to loans | 4.6912% | 314 |
| Net loans and leases to total assets | 22.5217% | 6,240 |
| Net loans and leases to deposits | 27.2106% | 6,231 |
| Net loans and leases to core deposits | 27.9626% | 6,233 |
| Total domestic deposits to total assets | 82.7681% | 4,246 |
| Equity capital to assets | 16.8469% | 450 |
| Core capital (leverage) ratio | 16.1035% | 452 |
| Tier 1 risk-based capital ratio | 55.0951% | 122 |
| Total risk-based capital ratio | 55.0951% | 129 |
| Memoranda: | ||
| Average total assets | $55,975,000 | 5,589 |
| Average earning assets | $53,872,000 | 5,517 |
| Average equity | $9,403,000 | 4,894 |
| Average total loans | $12,915,500 | 6,156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3197% | 6,372 |
| Cost of funding earning assets | 0.2397% | 5,425 |
| Net interest margin | 2.0801% | 6,345 |
| Noninterest income to average assets | 0.1463% | 5,963 |
| Noninterest expense to average assets | 2.0903% | 5,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0668% | 5,998 |
| Return on assets (ROA) | 0.0766% | 6,011 |
| Pretax return on assets | 0.0941% | 5,993 |
| Return on Equity (ROE) | 0.4653% | 6,044 |
| Retained earnings to average equity (ytd only) | 0.1904% | 5,692 |
| Net charge-offs to loans | -0.0074% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2310% | 491 |
| Assets per employee ($millions) | 5.6106% | 1,681 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 4,661 |
| Loan loss allowance to noncurrent loans | 16.3763% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 1,692 |
| Noncurrent loans to loans | 6.5700% | 159 |
| Net loans and leases to total assets | 23.1063% | 6,332 |
| Net loans and leases to deposits | 27.8676% | 6,322 |
| Net loans and leases to core deposits | 28.4717% | 6,327 |
| Total domestic deposits to total assets | 82.9145% | 4,111 |
| Equity capital to assets | 16.7504% | 446 |
| Core capital (leverage) ratio | 16.5643% | 406 |
| Tier 1 risk-based capital ratio | 42.8359% | 202 |
| Total risk-based capital ratio | 43.4910% | 206 |
| Memoranda: | ||
| Average total assets | $57,409,400 | 5,617 |
| Average earning assets | $55,911,600 | 5,521 |
| Average equity | $9,456,000 | 4,873 |
| Average total loans | $13,588,000 | 6,209 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3183% | 6,456 |
| Cost of funding earning assets | 0.2481% | 5,429 |
| Net interest margin | 2.0702% | 6,429 |
| Noninterest income to average assets | 0.1478% | 6,028 |
| Noninterest expense to average assets | 2.0923% | 5,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0689% | 6,061 |
| Return on assets (ROA) | 0.0831% | 6,073 |
| Pretax return on assets | 0.0947% | 6,067 |
| Return on Equity (ROE) | 0.5068% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.3661% | 5,700 |
| Net charge-offs to loans | 0.0487% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.7961% | 3,030 |
| Efficiency ratio | 96.3830% | 491 |
| Assets per employee ($millions) | 5.6777% | 1,577 |
| Cash dividends to net income (ytd only)* | 27.7708% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 5,231 |
| Loan loss allowance to noncurrent loans | 14.9667% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 1.8863% | 1,555 |
| Noncurrent loans to loans | 6.6681% | 186 |
| Net loans and leases to total assets | 23.5870% | 6,395 |
| Net loans and leases to deposits | 28.4247% | 6,388 |
| Net loans and leases to core deposits | 29.1917% | 6,395 |
| Total domestic deposits to total assets | 82.9808% | 4,160 |
| Equity capital to assets | 16.5683% | 485 |
| Core capital (leverage) ratio | 16.2123% | 451 |
| Tier 1 risk-based capital ratio | 51.2466% | 123 |
| Total risk-based capital ratio | 51.9962% | 124 |
| Memoranda: | ||
| Average total assets | $57,735,250 | 5,669 |
| Average earning assets | $56,419,500 | 5,565 |
| Average equity | $9,470,500 | 4,906 |
| Average total loans | $13,708,750 | 6,273 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3236% | 6,521 |
| Cost of funding earning assets | 0.2500% | 5,486 |
| Net interest margin | 2.0736% | 6,498 |
| Noninterest income to average assets | 0.1344% | 6,146 |
| Noninterest expense to average assets | 2.0360% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1072% | 6,031 |
| Return on assets (ROA) | 0.1275% | 6,033 |
| Pretax return on assets | 0.1516% | 6,024 |
| Return on Equity (ROE) | 0.7796% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.5689% | 5,514 |
| Net charge-offs to loans | -0.1598% | 6,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1083% | 632 |
| Assets per employee ($millions) | 5.6753% | 1,543 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 4,853 |
| Loan loss allowance to noncurrent loans | 13.0285% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 2.1039% | 1,485 |
| Noncurrent loans to loans | 8.5359% | 110 |
| Net loans and leases to total assets | 23.6587% | 6,459 |
| Net loans and leases to deposits | 28.5541% | 6,451 |
| Net loans and leases to core deposits | 29.3243% | 6,458 |
| Total domestic deposits to total assets | 82.8555% | 4,357 |
| Equity capital to assets | 16.6758% | 455 |
| Core capital (leverage) ratio | 15.8209% | 503 |
| Tier 1 risk-based capital ratio | 52.3745% | 121 |
| Total risk-based capital ratio | 53.2312% | 123 |
| Memoranda: | ||
| Average total assets | $58,054,670 | 5,713 |
| Average earning assets | $56,808,670 | 5,589 |
| Average equity | $9,491,670 | 4,911 |
| Average total loans | $13,769,330 | 6,328 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3265% | 6,590 |
| Cost of funding earning assets | 0.2508% | 5,576 |
| Net interest margin | 2.0757% | 6,568 |
| Noninterest income to average assets | 0.1226% | 6,234 |
| Noninterest expense to average assets | 2.0645% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0750% | 6,081 |
| Return on assets (ROA) | 0.0750% | 6,105 |
| Pretax return on assets | 0.0886% | 6,100 |
| Return on Equity (ROE) | 0.4629% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.4629% | 5,395 |
| Net charge-offs to loans | -0.0577% | 5,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8861% | 647 |
| Assets per employee ($millions) | 5.9270% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,378 |
| Loan loss allowance to noncurrent loans | 12.0441% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 2.0483% | 1,655 |
| Noncurrent loans to loans | 8.5977% | 143 |
| Net loans and leases to total assets | 22.8969% | 6,524 |
| Net loans and leases to deposits | 27.3940% | 6,520 |
| Net loans and leases to core deposits | 28.0932% | 6,528 |
| Total domestic deposits to total assets | 83.5836% | 4,427 |
| Equity capital to assets | 15.9912% | 529 |
| Core capital (leverage) ratio | 15.3400% | 561 |
| Tier 1 risk-based capital ratio | 51.0839% | 126 |
| Total risk-based capital ratio | 51.8712% | 129 |
| Memoranda: | ||
| Average total assets | $58,705,500 | 5,748 |
| Average earning assets | $57,426,000 | 5,625 |
| Average equity | $9,505,500 | 4,932 |
| Average total loans | $13,865,000 | 6,385 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5034% | 6,615 |
| Cost of funding earning assets | 0.2661% | 5,859 |
| Net interest margin | 2.2373% | 6,558 |
| Noninterest income to average assets | 0.0564% | 6,529 |
| Noninterest expense to average assets | 2.0042% | 6,018 |
| Loan and lease loss provision to assets | 0.0495% | 4,142 |
| Net operating income to assets | 0.1059% | 6,034 |
| Return on assets (ROA) | 0.1059% | 6,085 |
| Pretax return on assets | 0.1572% | 6,008 |
| Return on Equity (ROE) | 0.6415% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.3725% | 5,681 |
| Net charge-offs to loans | 0.3887% | 1,734 |
| Credit loss provision to net charge-offs | 51.7857% | 3,770 |
| Earnings coverage of net charge-offs (x) | 2.1607% | 4,309 |
| Efficiency ratio | 90.6491% | 975 |
| Assets per employee ($millions) | 5.8141% | 1,393 |
| Cash dividends to net income (ytd only)* | 41.9355% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 5,574 |
| Loan loss allowance to noncurrent loans | 12.8088% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 1,861 |
| Noncurrent loans to loans | 7.7977% | 201 |
| Net loans and leases to total assets | 23.8678% | 6,609 |
| Net loans and leases to deposits | 28.7017% | 6,606 |
| Net loans and leases to core deposits | 29.4516% | 6,608 |
| Total domestic deposits to total assets | 83.1582% | 4,489 |
| Equity capital to assets | 16.3963% | 464 |
| Core capital (leverage) ratio | 15.5765% | 531 |
| Tier 1 risk-based capital ratio | 51.8302% | 122 |
| Total risk-based capital ratio | 52.6185% | 125 |
| Memoranda: | ||
| Average total assets | $58,527,400 | 5,794 |
| Average earning assets | $56,363,800 | 5,691 |
| Average equity | $9,664,400 | 4,935 |
| Average total loans | $14,408,200 | 6,440 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5324% | 6,685 |
| Cost of funding earning assets | 0.2703% | 5,959 |
| Net interest margin | 2.2621% | 6,608 |
| Noninterest income to average assets | 0.0273% | 6,682 |
| Noninterest expense to average assets | 1.9855% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1638% | 6,008 |
| Return on assets (ROA) | 0.1638% | 6,075 |
| Pretax return on assets | 0.2115% | 6,020 |
| Return on Equity (ROE) | 0.9900% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.8524% | 5,639 |
| Net charge-offs to loans | -0.2022% | 6,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3727% | 960 |
| Assets per employee ($millions) | 5.7538% | 1,404 |
| Cash dividends to net income (ytd only)* | 13.8854% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,206 |
| Loan loss allowance to noncurrent loans | 17.8977% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 1.8961% | 2,136 |
| Noncurrent loans to loans | 7.4719% | 255 |
| Net loans and leases to total assets | 24.2344% | 6,685 |
| Net loans and leases to deposits | 29.2843% | 6,679 |
| Net loans and leases to core deposits | 30.0595% | 6,682 |
| Total domestic deposits to total assets | 82.7557% | 4,661 |
| Equity capital to assets | 16.6725% | 454 |
| Core capital (leverage) ratio | 15.7654% | 524 |
| Tier 1 risk-based capital ratio | 52.5267% | 120 |
| Total risk-based capital ratio | 53.6023% | 120 |
| Memoranda: | ||
| Average total assets | $58,624,000 | 5,854 |
| Average earning assets | $56,230,750 | 5,755 |
| Average equity | $9,697,250 | 4,973 |
| Average total loans | $14,506,000 | 6,505 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5156% | 6,728 |
| Cost of funding earning assets | 0.2914% | 5,891 |
| Net interest margin | 2.2243% | 6,671 |
| Noninterest income to average assets | -0.0170% | 6,818 |
| Noninterest expense to average assets | 1.9632% | 6,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1187% | 6,089 |
| Return on assets (ROA) | 0.1187% | 6,185 |
| Pretax return on assets | 0.1424% | 6,171 |
| Return on Equity (ROE) | 0.7193% | 6,271 |
| Retained earnings to average equity (ytd only) | 0.5138% | 5,696 |
| Net charge-offs to loans | -0.2051% | 6,669 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2367% | 801 |
| Assets per employee ($millions) | 5.9407% | 1,244 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 4,579 |
| Loan loss allowance to noncurrent loans | 21.7184% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 2,841 |
| Noncurrent loans to loans | 5.9156% | 489 |
| Net loans and leases to total assets | 23.5393% | 6,731 |
| Net loans and leases to deposits | 28.2894% | 6,733 |
| Net loans and leases to core deposits | 28.8592% | 6,738 |
| Total domestic deposits to total assets | 83.2090% | 4,624 |
| Equity capital to assets | 16.2169% | 500 |
| Core capital (leverage) ratio | 15.5471% | 513 |
| Tier 1 risk-based capital ratio | 51.5736% | 120 |
| Total risk-based capital ratio | 52.5947% | 121 |
| Memoranda: | ||
| Average total assets | $58,986,000 | 5,876 |
| Average earning assets | $56,288,330 | 5,791 |
| Average equity | $9,732,000 | 5,001 |
| Average total loans | $14,630,330 | 6,536 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5302% | 6,804 |
| Cost of funding earning assets | 0.2964% | 5,993 |
| Net interest margin | 2.2338% | 6,737 |
| Noninterest income to average assets | 0.1838% | 6,161 |
| Noninterest expense to average assets | 1.9328% | 6,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2450% | 5,742 |
| Return on assets (ROA) | 0.2450% | 5,863 |
| Pretax return on assets | 0.3539% | 5,707 |
| Return on Equity (ROE) | 1.4722% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.4722% | 5,253 |
| Net charge-offs to loans | -0.1884% | 6,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5238% | 1,700 |
| Assets per employee ($millions) | 5.8674% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,205 |
| Loan loss allowance to noncurrent loans | 17.5758% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9600% | 2,395 |
| Noncurrent loans to loans | 6.8023% | 444 |
| Net loans and leases to total assets | 24.5083% | 6,759 |
| Net loans and leases to deposits | 29.6477% | 6,754 |
| Net loans and leases to core deposits | 30.2552% | 6,758 |
| Total domestic deposits to total assets | 82.6652% | 4,967 |
| Equity capital to assets | 16.6667% | 473 |
| Core capital (leverage) ratio | 15.5389% | 512 |
| Tier 1 risk-based capital ratio | 52.3818% | 121 |
| Total risk-based capital ratio | 53.3720% | 122 |
| Memoranda: | ||
| Average total assets | $58,775,500 | 5,940 |
| Average earning assets | $55,332,000 | 5,862 |
| Average equity | $9,781,000 | 5,042 |
| Average total loans | $14,862,500 | 6,588 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8777% | 6,827 |
| Cost of funding earning assets | 0.5119% | 5,135 |
| Net interest margin | 2.3658% | 6,803 |
| Noninterest income to average assets | 0.2045% | 5,950 |
| Noninterest expense to average assets | 2.2251% | 5,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0728% | 6,055 |
| Return on assets (ROA) | 0.0728% | 6,197 |
| Pretax return on assets | 0.1178% | 6,127 |
| Return on Equity (ROE) | 0.4290% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.1634% | 5,758 |
| Net charge-offs to loans | 0.3097% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,794 |
| Efficiency ratio | 94.9704% | 751 |
| Assets per employee ($millions) | 5.8877% | 1,368 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,550 |
| Loan loss allowance to noncurrent loans | 20.5412% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 1.7902% | 2,724 |
| Noncurrent loans to loans | 5.3589% | 706 |
| Net loans and leases to total assets | 25.4836% | 6,820 |
| Net loans and leases to deposits | 30.7977% | 6,812 |
| Net loans and leases to core deposits | 31.1584% | 6,825 |
| Total domestic deposits to total assets | 82.7454% | 4,824 |
| Equity capital to assets | 16.6160% | 462 |
| Core capital (leverage) ratio | 15.9230% | 466 |
| Tier 1 risk-based capital ratio | 51.3729% | 134 |
| Total risk-based capital ratio | 52.3086% | 135 |
| Memoranda: | ||
| Average total assets | $57,704,600 | 5,980 |
| Average earning assets | $52,159,600 | 5,978 |
| Average equity | $9,791,000 | 5,026 |
| Average total loans | $16,470,200 | 6,577 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9883% | 6,906 |
| Cost of funding earning assets | 0.5613% | 4,987 |
| Net interest margin | 2.4270% | 6,874 |
| Noninterest income to average assets | 0.2206% | 5,971 |
| Noninterest expense to average assets | 2.2434% | 5,840 |
| Loan and lease loss provision to assets | 0.1417% | 3,763 |
| Net operating income to assets | 0.0023% | 6,276 |
| Return on assets (ROA) | 0.0023% | 6,402 |
| Pretax return on assets | 0.0046% | 6,387 |
| Return on Equity (ROE) | 0.0136% | 6,404 |
| Retained earnings to average equity (ytd only) | -0.1225% | 6,104 |
| Net charge-offs to loans | 0.4604% | 2,258 |
| Credit loss provision to net charge-offs | 105.1724% | 2,794 |
| Earnings coverage of net charge-offs (x) | 1.0863% | 4,762 |
| Efficiency ratio | 93.8776% | 782 |
| Assets per employee ($millions) | 5.6950% | 1,461 |
| Cash dividends to net income (ytd only)* | 1,002.2556% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 4,506 |
| Loan loss allowance to noncurrent loans | 26.5625% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 1.9104% | 2,768 |
| Noncurrent loans to loans | 5.1498% | 866 |
| Net loans and leases to total assets | 27.9807% | 6,878 |
| Net loans and leases to deposits | 34.1162% | 6,864 |
| Net loans and leases to core deposits | 34.9184% | 6,878 |
| Total domestic deposits to total assets | 82.0158% | 5,017 |
| Equity capital to assets | 17.2081% | 431 |
| Core capital (leverage) ratio | 15.8055% | 502 |
| Tier 1 risk-based capital ratio | 50.7296% | 138 |
| Total risk-based capital ratio | 51.9558% | 135 |
| Memoranda: | ||
| Average total assets | $57,411,500 | 6,053 |
| Average earning assets | $51,310,250 | 6,075 |
| Average equity | $9,793,000 | 5,078 |
| Average total loans | $16,795,000 | 6,647 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9705% | 6,984 |
| Cost of funding earning assets | 0.6049% | 4,862 |
| Net interest margin | 2.3656% | 6,981 |
| Noninterest income to average assets | 0.2050% | 6,095 |
| Noninterest expense to average assets | 2.2479% | 5,879 |
| Loan and lease loss provision to assets | 0.1285% | 3,916 |
| Net operating income to assets | -0.0278% | 6,356 |
| Return on assets (ROA) | -0.0278% | 6,477 |
| Pretax return on assets | -0.0382% | 6,475 |
| Return on Equity (ROE) | -0.1634% | 6,473 |
| Retained earnings to average equity (ytd only) | -0.3677% | 6,098 |
| Net charge-offs to loans | 0.7526% | 1,464 |
| Credit loss provision to net charge-offs | 57.8125% | 3,858 |
| Earnings coverage of net charge-offs (x) | 0.4063% | 4,874 |
| Efficiency ratio | 96.1367% | 698 |
| Assets per employee ($millions) | 5.7609% | 1,406 |
| Cash dividends to net income (ytd only)* | -125.0000% | 7,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,584 |
| Loan loss allowance to noncurrent loans | 17.9849% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 2.5656% | 2,176 |
| Noncurrent loans to loans | 6.3730% | 667 |
| Net loans and leases to total assets | 28.5945% | 6,920 |
| Net loans and leases to deposits | 34.7568% | 6,902 |
| Net loans and leases to core deposits | 35.5589% | 6,920 |
| Total domestic deposits to total assets | 82.2701% | 5,027 |
| Equity capital to assets | 16.9921% | 447 |
| Core capital (leverage) ratio | 15.6166% | 511 |
| Tier 1 risk-based capital ratio | 48.0408% | 144 |
| Total risk-based capital ratio | 49.0454% | 143 |
| Memoranda: | ||
| Average total assets | $57,565,330 | 6,089 |
| Average earning assets | $51,910,000 | 6,095 |
| Average equity | $9,790,670 | 5,079 |
| Average total loans | $17,008,000 | 6,690 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9476% | 7,063 |
| Cost of funding earning assets | 0.6592% | 4,644 |
| Net interest margin | 2.2884% | 7,060 |
| Noninterest income to average assets | 0.2155% | 6,076 |
| Noninterest expense to average assets | 2.1479% | 6,156 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1251% | 6,183 |
| Return on assets (ROA) | 0.1251% | 6,312 |
| Pretax return on assets | 0.1668% | 6,261 |
| Return on Equity (ROE) | 0.7353% | 6,397 |
| Retained earnings to average equity (ytd only) | 0.7353% | 5,764 |
| Net charge-offs to loans | -1.2340% | 7,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7928% | 893 |
| Assets per employee ($millions) | 5.8670% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 3,704 |
| Loan loss allowance to noncurrent loans | 19.1655% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 2.8873% | 2,014 |
| Noncurrent loans to loans | 8.3659% | 444 |
| Net loans and leases to total assets | 28.3467% | 6,968 |
| Net loans and leases to deposits | 34.3141% | 6,941 |
| Net loans and leases to core deposits | 35.0858% | 6,962 |
| Total domestic deposits to total assets | 82.6095% | 5,078 |
| Equity capital to assets | 16.7189% | 468 |
| Core capital (leverage) ratio | 15.6590% | 506 |
| Tier 1 risk-based capital ratio | 48.3066% | 134 |
| Total risk-based capital ratio | 49.5602% | 134 |
| Memoranda: | ||
| Average total assets | $57,543,500 | 6,127 |
| Average earning assets | $52,789,000 | 6,107 |
| Average equity | $9,791,500 | 5,092 |
| Average total loans | $17,180,000 | 6,743 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3496% | 7,077 |
| Cost of funding earning assets | 0.7636% | 5,111 |
| Net interest margin | 2.5860% | 7,010 |
| Noninterest income to average assets | 0.2535% | 5,712 |
| Noninterest expense to average assets | 2.4234% | 5,713 |
| Loan and lease loss provision to assets | 0.1099% | 5,217 |
| Net operating income to assets | 0.0519% | 5,960 |
| Return on assets (ROA) | 0.0727% | 6,033 |
| Pretax return on assets | 0.1117% | 5,952 |
| Return on Equity (ROE) | 0.4306% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.1575% | 5,766 |
| Net charge-offs to loans | 0.3577% | 3,616 |
| Credit loss provision to net charge-offs | 91.1765% | 3,957 |
| Earnings coverage of net charge-offs (x) | 1.5735% | 4,593 |
| Efficiency ratio | 92.7408% | 1,004 |
| Assets per employee ($millions) | 5.6417% | 1,492 |
| Cash dividends to net income (ytd only)* | 63.4146% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,178 |
| Loan loss allowance to noncurrent loans | 25.2900% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 1.9639% | 3,016 |
| Noncurrent loans to loans | 4.9376% | 1,151 |
| Net loans and leases to total assets | 30.5582% | 6,992 |
| Net loans and leases to deposits | 37.2539% | 6,972 |
| Net loans and leases to core deposits | 37.9193% | 7,004 |
| Total domestic deposits to total assets | 82.0267% | 5,118 |
| Equity capital to assets | 17.3246% | 412 |
| Core capital (leverage) ratio | 16.2428% | 437 |
| Tier 1 risk-based capital ratio | 47.0855% | 153 |
| Total risk-based capital ratio | 48.2070% | 152 |
| Memoranda: | ||
| Average total assets | $56,409,000 | 6,149 |
| Average earning assets | $51,469,400 | 6,144 |
| Average equity | $9,521,200 | 5,145 |
| Average total loans | $19,012,400 | 6,707 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 7,170 |
| Cost of funding earning assets | 0.7770% | 5,297 |
| Net interest margin | 2.5487% | 7,109 |
| Noninterest income to average assets | 0.2624% | 5,744 |
| Noninterest expense to average assets | 2.4724% | 5,555 |
| Loan and lease loss provision to assets | 0.2033% | 3,985 |
| Net operating income to assets | -0.0597% | 6,235 |
| Return on assets (ROA) | -0.0307% | 6,297 |
| Pretax return on assets | -0.0449% | 6,275 |
| Return on Equity (ROE) | -0.1832% | 6,285 |
| Retained earnings to average equity (ytd only) | -0.3243% | 6,038 |
| Net charge-offs to loans | 0.4742% | 2,840 |
| Credit loss provision to net charge-offs | 124.6377% | 2,579 |
| Earnings coverage of net charge-offs (x) | 0.7101% | 5,093 |
| Efficiency ratio | 95.5251% | 845 |
| Assets per employee ($millions) | 4.4272% | 3,037 |
| Cash dividends to net income (ytd only)* | -76.9186% | 7,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 5,119 |
| Loan loss allowance to noncurrent loans | 20.5631% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 2.4638% | 2,614 |
| Noncurrent loans to loans | 6.2053% | 883 |
| Net loans and leases to total assets | 32.3980% | 7,015 |
| Net loans and leases to deposits | 39.4132% | 6,994 |
| Net loans and leases to core deposits | 39.8828% | 7,045 |
| Total domestic deposits to total assets | 82.2008% | 5,008 |
| Equity capital to assets | 17.0226% | 481 |
| Core capital (leverage) ratio | 16.0775% | 494 |
| Tier 1 risk-based capital ratio | 44.5699% | 186 |
| Total risk-based capital ratio | 45.7484% | 182 |
| Memoranda: | ||
| Average total assets | $56,407,000 | 6,202 |
| Average earning assets | $51,476,750 | 6,186 |
| Average equity | $9,458,000 | 5,186 |
| Average total loans | $19,401,000 | 6,755 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 7,202 |
| Cost of funding earning assets | 0.7935% | 5,419 |
| Net interest margin | 2.6267% | 7,097 |
| Noninterest income to average assets | 0.2749% | 5,681 |
| Noninterest expense to average assets | 2.5988% | 5,186 |
| Loan and lease loss provision to assets | 0.0750% | 5,374 |
| Net operating income to assets | 0.0002% | 6,225 |
| Return on assets (ROA) | 0.0535% | 6,192 |
| Pretax return on assets | 0.0643% | 6,162 |
| Return on Equity (ROE) | 0.3210% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.1070% | 5,795 |
| Net charge-offs to loans | 0.5211% | 2,536 |
| Credit loss provision to net charge-offs | 41.1765% | 4,799 |
| Earnings coverage of net charge-offs (x) | 0.4118% | 4,993 |
| Efficiency ratio | 97.1963% | 825 |
| Assets per employee ($millions) | 4.0596% | 3,630 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 6,304 |
| Loan loss allowance to noncurrent loans | 15.5698% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 2.7114% | 2,467 |
| Noncurrent loans to loans | 6.4623% | 866 |
| Net loans and leases to total assets | 33.5832% | 7,057 |
| Net loans and leases to deposits | 40.5571% | 7,046 |
| Net loans and leases to core deposits | 41.2710% | 7,090 |
| Total domestic deposits to total assets | 82.8046% | 4,846 |
| Equity capital to assets | 16.7291% | 512 |
| Core capital (leverage) ratio | 15.9555% | 514 |
| Tier 1 risk-based capital ratio | 44.6981% | 179 |
| Total risk-based capital ratio | 45.6465% | 181 |
| Memoranda: | ||
| Average total assets | $56,025,000 | 6,261 |
| Average earning assets | $51,166,000 | 6,252 |
| Average equity | $9,345,000 | 5,222 |
| Average total loans | $19,572,330 | 6,814 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3924% | 7,270 |
| Cost of funding earning assets | 0.8126% | 5,514 |
| Net interest margin | 2.5798% | 7,137 |
| Noninterest income to average assets | 0.2733% | 5,721 |
| Noninterest expense to average assets | 2.1863% | 6,453 |
| Loan and lease loss provision to assets | 0.0935% | 4,844 |
| Net operating income to assets | 0.2297% | 5,682 |
| Return on assets (ROA) | 0.3164% | 5,402 |
| Pretax return on assets | 0.4746% | 5,102 |
| Return on Equity (ROE) | 1.8999% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.8999% | 4,987 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2877% | 2,044 |
| Assets per employee ($millions) | 4.1081% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 5,574 |
| Loan loss allowance to noncurrent loans | 14.7756% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 3.5157% | 1,936 |
| Noncurrent loans to loans | 8.2017% | 590 |
| Net loans and leases to total assets | 33.5924% | 7,105 |
| Net loans and leases to deposits | 40.0905% | 7,098 |
| Net loans and leases to core deposits | 40.7767% | 7,142 |
| Total domestic deposits to total assets | 83.7915% | 4,576 |
| Equity capital to assets | 16.0694% | 563 |
| Core capital (leverage) ratio | 16.0138% | 497 |
| Tier 1 risk-based capital ratio | 43.4014% | 198 |
| Total risk-based capital ratio | 44.5216% | 193 |
| Memoranda: | ||
| Average total assets | $55,620,000 | 6,321 |
| Average earning assets | $50,701,000 | 6,319 |
| Average equity | $9,263,500 | 5,242 |
| Average total loans | $19,718,000 | 6,856 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 7,363 |
| Cost of funding earning assets | 0.9520% | 5,923 |
| Net interest margin | 2.6102% | 7,197 |
| Noninterest income to average assets | 0.1549% | 6,615 |
| Noninterest expense to average assets | 2.5153% | 5,732 |
| Loan and lease loss provision to assets | 0.4075% | 3,663 |
| Net operating income to assets | -0.3036% | 6,224 |
| Return on assets (ROA) | -0.2342% | 6,203 |
| Pretax return on assets | -0.3522% | 6,200 |
| Return on Equity (ROE) | -1.3482% | 6,102 |
| Retained earnings to average equity (ytd only) | -1.6242% | 5,907 |
| Net charge-offs to loans | 1.8302% | 1,147 |
| Credit loss provision to net charge-offs | 55.9494% | 6,160 |
| Earnings coverage of net charge-offs (x) | -0.0684% | 6,190 |
| Efficiency ratio | 102.0194% | 723 |
| Assets per employee ($millions) | 3.5818% | 4,748 |
| Cash dividends to net income (ytd only)* | -20.4724% | 7,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,842 |
| Loan loss allowance to noncurrent loans | 14.1593% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 4.0147% | 1,694 |
| Noncurrent loans to loans | 7.9581% | 652 |
| Net loans and leases to total assets | 36.5831% | 7,130 |
| Net loans and leases to deposits | 44.3219% | 7,109 |
| Net loans and leases to core deposits | 45.1445% | 7,167 |
| Total domestic deposits to total assets | 82.5395% | 5,002 |
| Equity capital to assets | 17.2818% | 425 |
| Core capital (leverage) ratio | 16.7713% | 414 |
| Tier 1 risk-based capital ratio | 44.7393% | 176 |
| Total risk-based capital ratio | 45.8360% | 176 |
| Memoranda: | ||
| Average total assets | $54,227,600 | 6,395 |
| Average earning assets | $48,004,800 | 6,430 |
| Average equity | $9,420,200 | 5,292 |
| Average total loans | $21,582,000 | 6,850 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 7,454 |
| Cost of funding earning assets | 0.9900% | 5,981 |
| Net interest margin | 2.6913% | 7,246 |
| Noninterest income to average assets | 0.1742% | 6,634 |
| Noninterest expense to average assets | 2.4236% | 5,957 |
| Loan and lease loss provision to assets | 0.0859% | 6,183 |
| Net operating income to assets | 0.0238% | 5,947 |
| Return on assets (ROA) | 0.1300% | 5,854 |
| Pretax return on assets | 0.1717% | 5,792 |
| Return on Equity (ROE) | 0.7474% | 5,956 |
| Retained earnings to average equity (ytd only) | 0.6064% | 5,559 |
| Net charge-offs to loans | 0.3453% | 3,928 |
| Credit loss provision to net charge-offs | 61.4035% | 5,655 |
| Earnings coverage of net charge-offs (x) | 0.8421% | 5,208 |
| Efficiency ratio | 95.3668% | 932 |
| Assets per employee ($millions) | 3.6315% | 4,662 |
| Cash dividends to net income (ytd only)* | 18.8650% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,890 |
| Loan loss allowance to noncurrent loans | 27.0698% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 3.9836% | 1,759 |
| Noncurrent loans to loans | 6.5432% | 910 |
| Net loans and leases to total assets | 38.2795% | 7,171 |
| Net loans and leases to deposits | 46.7680% | 7,139 |
| Net loans and leases to core deposits | 47.6399% | 7,221 |
| Total domestic deposits to total assets | 81.8497% | 5,054 |
| Equity capital to assets | 17.6051% | 449 |
| Core capital (leverage) ratio | 17.1776% | 414 |
| Tier 1 risk-based capital ratio | 43.4894% | 198 |
| Total risk-based capital ratio | 44.7473% | 196 |
| Memoranda: | ||
| Average total assets | $54,352,750 | 6,463 |
| Average earning assets | $47,807,750 | 6,515 |
| Average equity | $9,454,000 | 5,360 |
| Average total loans | $22,007,750 | 6,911 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 7,521 |
| Cost of funding earning assets | 1.0346% | 5,988 |
| Net interest margin | 2.6857% | 7,272 |
| Noninterest income to average assets | 0.1436% | 6,868 |
| Noninterest expense to average assets | 2.4893% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0028% | 6,085 |
| Return on assets (ROA) | 0.1547% | 5,830 |
| Pretax return on assets | 0.2062% | 5,758 |
| Return on Equity (ROE) | 0.8928% | 5,983 |
| Retained earnings to average equity (ytd only) | 0.6802% | 5,489 |
| Net charge-offs to loans | 0.0988% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.0909% | 5,794 |
| Efficiency ratio | 100.1481% | 795 |
| Assets per employee ($millions) | 3.5671% | 4,764 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 2,896 |
| Loan loss allowance to noncurrent loans | 24.4782% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 4.1210% | 1,652 |
| Noncurrent loans to loans | 7.1551% | 778 |
| Net loans and leases to total assets | 40.5730% | 7,131 |
| Net loans and leases to deposits | 49.4713% | 7,092 |
| Net loans and leases to core deposits | 50.1154% | 7,202 |
| Total domestic deposits to total assets | 82.0132% | 4,982 |
| Equity capital to assets | 17.6148% | 456 |
| Core capital (leverage) ratio | 17.1114% | 428 |
| Tier 1 risk-based capital ratio | 43.3608% | 201 |
| Total risk-based capital ratio | 44.6165% | 197 |
| Memoranda: | ||
| Average total assets | $54,312,670 | 6,510 |
| Average earning assets | $47,362,670 | 6,578 |
| Average equity | $9,408,670 | 5,375 |
| Average total loans | $22,267,670 | 6,951 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 7,544 |
| Cost of funding earning assets | 1.0805% | 5,986 |
| Net interest margin | 2.7833% | 7,204 |
| Noninterest income to average assets | 0.0292% | 7,561 |
| Noninterest expense to average assets | 2.4563% | 5,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0292% | 6,349 |
| Return on assets (ROA) | -0.0292% | 6,435 |
| Pretax return on assets | -0.0731% | 6,430 |
| Return on Equity (ROE) | -0.1702% | 6,430 |
| Retained earnings to average equity (ytd only) | -0.1702% | 5,871 |
| Net charge-offs to loans | 0.1968% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.9091% | 5,370 |
| Efficiency ratio | 103.0675% | 750 |
| Assets per employee ($millions) | 3.6524% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 2,917 |
| Loan loss allowance to noncurrent loans | 24.4782% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 4.0248% | 1,703 |
| Noncurrent loans to loans | 7.1133% | 831 |
| Net loans and leases to total assets | 39.8624% | 7,258 |
| Net loans and leases to deposits | 48.2651% | 7,222 |
| Net loans and leases to core deposits | 48.8721% | 7,324 |
| Total domestic deposits to total assets | 82.5904% | 4,807 |
| Equity capital to assets | 17.1139% | 522 |
| Core capital (leverage) ratio | 16.7753% | 474 |
| Tier 1 risk-based capital ratio | 42.7539% | 215 |
| Total risk-based capital ratio | 44.0107% | 211 |
| Memoranda: | ||
| Average total assets | $54,716,000 | 6,582 |
| Average earning assets | $46,275,500 | 6,691 |
| Average equity | $9,400,500 | 5,424 |
| Average total loans | $22,353,500 | 7,032 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 7,582 |
| Cost of funding earning assets | 1.3567% | 6,110 |
| Net interest margin | 2.8955% | 6,878 |
| Noninterest income to average assets | 0.1926% | 6,721 |
| Noninterest expense to average assets | 2.7189% | 5,300 |
| Loan and lease loss provision to assets | 0.5174% | 3,785 |
| Net operating income to assets | -0.3491% | 6,028 |
| Return on assets (ROA) | -0.2293% | 5,873 |
| Pretax return on assets | -0.3779% | 5,897 |
| Return on Equity (ROE) | -1.2979% | 5,737 |
| Retained earnings to average equity (ytd only) | -1.5679% | 5,408 |
| Net charge-offs to loans | 0.2034% | 5,365 |
| Credit loss provision to net charge-offs | 600.0000% | 493 |
| Earnings coverage of net charge-offs (x) | -0.5532% | 6,723 |
| Efficiency ratio | 101.7857% | 1,018 |
| Assets per employee ($millions) | 3.6431% | 4,663 |
| Cash dividends to net income (ytd only)* | -20.8000% | 7,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 2,638 |
| Loan loss allowance to noncurrent loans | 21.8202% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 4.4358% | 1,459 |
| Noncurrent loans to loans | 8.1135% | 612 |
| Net loans and leases to total assets | 40.4110% | 7,329 |
| Net loans and leases to deposits | 49.0026% | 7,311 |
| Net loans and leases to core deposits | 54.6217% | 7,451 |
| Total domestic deposits to total assets | 82.4672% | 4,752 |
| Equity capital to assets | 17.2474% | 526 |
| Core capital (leverage) ratio | 17.0599% | 486 |
| Tier 1 risk-based capital ratio | 42.9027% | 209 |
| Total risk-based capital ratio | 44.1587% | 207 |
| Memoranda: | ||
| Average total assets | $54,507,600 | 6,541 |
| Average earning assets | $46,658,800 | 6,657 |
| Average equity | $9,630,600 | 5,404 |
| Average total loans | $23,112,400 | 7,022 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 7,712 |
| Cost of funding earning assets | 1.4026% | 6,217 |
| Net interest margin | 2.8163% | 7,027 |
| Noninterest income to average assets | 0.1762% | 6,954 |
| Noninterest expense to average assets | 2.6141% | 5,664 |
| Loan and lease loss provision to assets | 0.6902% | 2,669 |
| Net operating income to assets | -0.4045% | 6,324 |
| Return on assets (ROA) | -0.2448% | 6,139 |
| Pretax return on assets | -0.4014% | 6,200 |
| Return on Equity (ROE) | -1.3771% | 5,997 |
| Retained earnings to average equity (ytd only) | -1.5148% | 5,614 |
| Net charge-offs to loans | 0.2693% | 4,355 |
| Credit loss provision to net charge-offs | 600.0000% | 636 |
| Earnings coverage of net charge-offs (x) | 0.3404% | 5,687 |
| Efficiency ratio | 98.5240% | 1,137 |
| Assets per employee ($millions) | 3.6198% | 4,635 |
| Cash dividends to net income (ytd only)* | -9.9977% | 7,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 2,493 |
| Loan loss allowance to noncurrent loans | 26.6756% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 3.8529% | 1,672 |
| Noncurrent loans to loans | 6.5136% | 884 |
| Net loans and leases to total assets | 41.4535% | 7,394 |
| Net loans and leases to deposits | 50.6617% | 7,378 |
| Net loans and leases to core deposits | 56.5343% | 7,529 |
| Total domestic deposits to total assets | 81.8240% | 4,755 |
| Equity capital to assets | 17.5000% | 564 |
| Core capital (leverage) ratio | 16.9796% | 558 |
| Tier 1 risk-based capital ratio | 42.0322% | 249 |
| Total risk-based capital ratio | 43.2844% | 243 |
| Memoranda: | ||
| Average total assets | $54,473,000 | 6,591 |
| Average earning assets | $47,910,000 | 6,652 |
| Average equity | $9,682,000 | 5,432 |
| Average total loans | $23,270,250 | 7,075 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 7,869 |
| Cost of funding earning assets | 1.4137% | 6,434 |
| Net interest margin | 2.7044% | 7,187 |
| Noninterest income to average assets | 0.1650% | 7,100 |
| Noninterest expense to average assets | 2.4976% | 6,135 |
| Loan and lease loss provision to assets | 0.0734% | 6,459 |
| Net operating income to assets | 0.0117% | 5,803 |
| Return on assets (ROA) | 0.1174% | 5,611 |
| Pretax return on assets | 0.1467% | 5,571 |
| Return on Equity (ROE) | 0.6569% | 5,735 |
| Retained earnings to average equity (ytd only) | 0.4517% | 5,034 |
| Net charge-offs to loans | 0.0086% | 6,455 |
| Credit loss provision to net charge-offs | 2,000.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,166 |
| Efficiency ratio | 96.5957% | 1,341 |
| Assets per employee ($millions) | 3.6836% | 4,368 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 7,206 |
| Loan loss allowance to noncurrent loans | 13.9357% | 7,401 |
| Noncurrent assets plus other real estate owned to assets | 3.7771% | 1,614 |
| Noncurrent loans to loans | 5.6225% | 1,019 |
| Net loans and leases to total assets | 41.7092% | 7,466 |
| Net loans and leases to deposits | 51.0014% | 7,436 |
| Net loans and leases to core deposits | 56.9853% | 7,560 |
| Total domestic deposits to total assets | 81.7805% | 4,778 |
| Equity capital to assets | 17.5842% | 595 |
| Core capital (leverage) ratio | 17.3734% | 571 |
| Tier 1 risk-based capital ratio | 41.2806% | 282 |
| Total risk-based capital ratio | 42.0745% | 279 |
| Memoranda: | ||
| Average total assets | $54,531,670 | 6,655 |
| Average earning assets | $48,809,000 | 6,679 |
| Average equity | $9,742,000 | 5,440 |
| Average total loans | $23,391,670 | 7,123 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 7,858 |
| Cost of funding earning assets | 1.4570% | 6,553 |
| Net interest margin | 2.8265% | 6,938 |
| Noninterest income to average assets | 0.1698% | 7,090 |
| Noninterest expense to average assets | 2.4072% | 6,170 |
| Loan and lease loss provision to assets | 0.1477% | 5,053 |
| Net operating income to assets | 0.1698% | 5,756 |
| Return on assets (ROA) | 0.1698% | 5,925 |
| Pretax return on assets | 0.2363% | 5,859 |
| Return on Equity (ROE) | 0.9431% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.9431% | 5,271 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2434% | 2,042 |
| Assets per employee ($millions) | 3.5552% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 7,231 |
| Loan loss allowance to noncurrent loans | 12.0792% | 7,482 |
| Noncurrent assets plus other real estate owned to assets | 3.8329% | 1,373 |
| Noncurrent loans to loans | 6.4504% | 693 |
| Net loans and leases to total assets | 43.6994% | 7,368 |
| Net loans and leases to deposits | 53.8945% | 7,294 |
| Net loans and leases to core deposits | 60.5189% | 7,432 |
| Total domestic deposits to total assets | 81.0831% | 4,933 |
| Equity capital to assets | 18.2625% | 572 |
| Core capital (leverage) ratio | 17.3095% | 621 |
| Tier 1 risk-based capital ratio | 43.3300% | 274 |
| Total risk-based capital ratio | 44.1677% | 275 |
| Memoranda: | ||
| Average total assets | $54,170,500 | 6,700 |
| Average earning assets | $50,239,500 | 6,651 |
| Average equity | $9,755,000 | 5,464 |
| Average total loans | $23,473,500 | 7,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 7,995 |
| Cost of funding earning assets | 1.6839% | 7,296 |
| Net interest margin | 2.9528% | 7,021 |
| Noninterest income to average assets | 0.1734% | 7,187 |
| Noninterest expense to average assets | 2.6087% | 5,615 |
| Loan and lease loss provision to assets | 0.1244% | 5,772 |
| Net operating income to assets | 0.1357% | 6,015 |
| Return on assets (ROA) | 0.1357% | 5,849 |
| Pretax return on assets | 0.2036% | 5,723 |
| Return on Equity (ROE) | 0.7529% | 5,994 |
| Retained earnings to average equity (ytd only) | 0.4811% | 4,953 |
| Net charge-offs to loans | 0.1279% | 4,958 |
| Credit loss provision to net charge-offs | 220.0000% | 2,181 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 3,529 |
| Efficiency ratio | 88.8318% | 1,603 |
| Assets per employee ($millions) | 3.6675% | 4,247 |
| Cash dividends to net income (ytd only)* | 36.1111% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 7,444 |
| Loan loss allowance to noncurrent loans | 16.9792% | 7,341 |
| Noncurrent assets plus other real estate owned to assets | 2.7066% | 1,747 |
| Noncurrent loans to loans | 4.0921% | 1,190 |
| Net loans and leases to total assets | 42.3482% | 7,569 |
| Net loans and leases to deposits | 51.9014% | 7,540 |
| Net loans and leases to core deposits | 57.9282% | 7,669 |
| Total domestic deposits to total assets | 81.5934% | 4,369 |
| Equity capital to assets | 17.7613% | 679 |
| Core capital (leverage) ratio | 17.8687% | 618 |
| Tier 1 risk-based capital ratio | 43.0336% | 285 |
| Total risk-based capital ratio | 43.7765% | 288 |
| Memoranda: | ||
| Average total assets | $53,053,000 | 6,658 |
| Average earning assets | $49,647,400 | 6,604 |
| Average equity | $9,562,400 | 5,549 |
| Average total loans | $23,463,400 | 7,108 |