Home > Great Nations Bank > Performance and Condition Ratios
Great Nations Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3017% | 240 |
| Cost of funding earning assets | 3.5971% | 90 |
| Net interest margin | 3.7046% | 1,870 |
| Noninterest income to average assets | 0.1300% | 3,988 |
| Noninterest expense to average assets | 2.9664% | 1,187 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 0.6219% | 3,296 |
| Return on assets (ROA) | 0.6219% | 3,317 |
| Pretax return on assets | 0.6219% | 3,541 |
| Return on Equity (ROE) | 7.1700% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.1664% | 1,925 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 80.2708% | 935 |
| Assets per employee ($millions) | 6.4013% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 3,411 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 81.1800% | 482 |
| Net loans and leases to deposits | 90.7450% | 1,041 |
| Net loans and leases to core deposits | 168.3810% | 85 |
| Total domestic deposits to total assets | 89.4600% | 1,006 |
| Equity capital to assets | 8.5912% | 3,241 |
| Core capital (leverage) ratio | 9.1889% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2115% | 2,130 |
| Memoranda: | ||
| Average total assets | $111,920,500 | 3,677 |
| Average earning assets | $107,865,500 | 3,631 |
| Average equity | $9,712,000 | 3,806 |
| Average total loans | $93,064,000 | 3,280 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5468% | 229 |
| Cost of funding earning assets | 3.8058% | 101 |
| Net interest margin | 3.7409% | 1,605 |
| Noninterest income to average assets | 0.1100% | 4,166 |
| Noninterest expense to average assets | 2.9830% | 1,174 |
| Loan and lease loss provision to assets | 0.8200% | 98 |
| Net operating income to assets | -0.1049% | 4,251 |
| Return on assets (ROA) | -0.1049% | 4,267 |
| Pretax return on assets | -0.1049% | 4,246 |
| Return on Equity (ROE) | -1.0900% | 4,254 |
| Retained earnings to average equity (ytd only) | -1.0876% | 4,099 |
| Net charge-offs to loans | 0.7618% | 206 |
| Credit loss provision to net charge-offs | 132.1145% | 1,541 |
| Earnings coverage of net charge-offs (x) | 1.1526% | 2,928 |
| Efficiency ratio | 80.6150% | 1,005 |
| Assets per employee ($millions) | 6.0343% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 83.6100% | 304 |
| Net loans and leases to deposits | 93.7530% | 880 |
| Net loans and leases to core deposits | 223.6834% | 30 |
| Total domestic deposits to total assets | 89.1800% | 1,091 |
| Equity capital to assets | 8.7693% | 2,999 |
| Core capital (leverage) ratio | 9.1332% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2852% | 2,120 |
| Memoranda: | ||
| Average total assets | $101,071,400 | 3,769 |
| Average earning assets | $97,061,400 | 3,719 |
| Average equity | $9,746,200 | 3,784 |
| Average total loans | $82,569,400 | 3,389 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4626% | 244 |
| Cost of funding earning assets | 3.7971% | 114 |
| Net interest margin | 3.6655% | 1,712 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 3.0743% | 1,006 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 0.4181% | 3,648 |
| Return on assets (ROA) | 0.4181% | 3,686 |
| Pretax return on assets | 0.4181% | 3,780 |
| Return on Equity (ROE) | 4.2300% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.2305% | 2,750 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.6097% | 776 |
| Assets per employee ($millions) | 6.2995% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 3,658 |
| Loan loss allowance to noncurrent loans | 111.4778% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 1,101 |
| Noncurrent loans to loans | 0.8079% | 1,236 |
| Net loans and leases to total assets | 79.8300% | 652 |
| Net loans and leases to deposits | 90.3118% | 1,219 |
| Net loans and leases to core deposits | 207.4924% | 40 |
| Total domestic deposits to total assets | 88.3900% | 1,127 |
| Equity capital to assets | 9.4359% | 2,716 |
| Core capital (leverage) ratio | 9.6673% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2868% | 1,790 |
| Memoranda: | ||
| Average total assets | $99,184,750 | 3,798 |
| Average earning assets | $95,192,500 | 3,750 |
| Average equity | $9,801,500 | 3,793 |
| Average total loans | $80,290,500 | 3,421 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3166% | 269 |
| Cost of funding earning assets | 3.6983% | 123 |
| Net interest margin | 3.6183% | 1,757 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 3.1010% | 961 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 0.3252% | 3,786 |
| Return on assets (ROA) | 0.3252% | 3,828 |
| Pretax return on assets | 0.3252% | 3,899 |
| Return on Equity (ROE) | 3.2400% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.2370% | 2,973 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 87.0855% | 702 |
| Assets per employee ($millions) | 5.9302% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 3,694 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.0000% | 1,175 |
| Net loans and leases to deposits | 85.7232% | 1,692 |
| Net loans and leases to core deposits | 213.4307% | 33 |
| Total domestic deposits to total assets | 88.6600% | 1,114 |
| Equity capital to assets | 9.1706% | 2,621 |
| Core capital (leverage) ratio | 10.1256% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4063% | 1,735 |
| Memoranda: | ||
| Average total assets | $96,549,333 | 3,833 |
| Average earning assets | $92,529,667 | 3,792 |
| Average equity | $9,700,333 | 3,789 |
| Average total loans | $78,298,000 | 3,453 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2669% | 256 |
| Cost of funding earning assets | 3.6334% | 126 |
| Net interest margin | 3.6334% | 1,675 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 3.2104% | 819 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.2668% | 3,878 |
| Return on assets (ROA) | 0.2668% | 3,912 |
| Pretax return on assets | 0.2668% | 3,956 |
| Return on Equity (ROE) | 2.5300% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.5269% | 3,117 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.0613% | 586 |
| Assets per employee ($millions) | 5.6219% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 3,762 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 81.7000% | 446 |
| Net loans and leases to deposits | 93.3168% | 924 |
| Net loans and leases to core deposits | 146.3954% | 226 |
| Total domestic deposits to total assets | 87.5500% | 1,589 |
| Equity capital to assets | 10.1065% | 1,946 |
| Core capital (leverage) ratio | 11.1175% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9902% | 1,540 |
| Memoranda: | ||
| Average total assets | $91,452,500 | 3,899 |
| Average earning assets | $87,410,500 | 3,851 |
| Average equity | $9,656,000 | 3,806 |
| Average total loans | $76,516,000 | 3,486 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7066% | 289 |
| Cost of funding earning assets | 2.6368% | 281 |
| Net interest margin | 4.0698% | 1,104 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 3.6183% | 497 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.2789% | 4,061 |
| Return on assets (ROA) | 0.2789% | 4,060 |
| Pretax return on assets | 0.2789% | 4,111 |
| Return on Equity (ROE) | 2.2000% | 4,132 |
| Retained earnings to average equity (ytd only) | 2.1985% | 3,538 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.4266% | 373 |
| Assets per employee ($millions) | 5.1372% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 3,693 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.2600% | 253 |
| Net loans and leases to deposits | 97.4224% | 685 |
| Net loans and leases to core deposits | 134.0645% | 347 |
| Total domestic deposits to total assets | 86.4900% | 1,864 |
| Equity capital to assets | 11.0531% | 1,448 |
| Core capital (leverage) ratio | 11.2076% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9022% | 1,562 |
| Memoranda: | ||
| Average total assets | $74,565,600 | 4,073 |
| Average earning assets | $70,691,800 | 4,028 |
| Average equity | $9,460,800 | 3,777 |
| Average total loans | $60,589,800 | 3,700 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3792% | 349 |
| Cost of funding earning assets | 2.3066% | 402 |
| Net interest margin | 4.0726% | 1,112 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 3.6950% | 450 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2298% | 4,200 |
| Return on assets (ROA) | 0.2298% | 4,214 |
| Pretax return on assets | 0.2298% | 4,222 |
| Return on Equity (ROE) | 1.7400% | 4,233 |
| Retained earnings to average equity (ytd only) | 1.7423% | 3,781 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.4783% | 280 |
| Assets per employee ($millions) | 4.9774% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 3,566 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.2600% | 734 |
| Net loans and leases to deposits | 92.0123% | 1,047 |
| Net loans and leases to core deposits | 123.9191% | 459 |
| Total domestic deposits to total assets | 86.1400% | 2,149 |
| Equity capital to assets | 11.1233% | 1,298 |
| Core capital (leverage) ratio | 11.5587% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6199% | 1,678 |
| Memoranda: | ||
| Average total assets | $71,373,750 | 4,117 |
| Average earning assets | $67,572,250 | 4,085 |
| Average equity | $9,412,750 | 3,779 |
| Average total loans | $57,172,250 | 3,752 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 522 |
| Cost of funding earning assets | 1.7591% | 805 |
| Net interest margin | 4.1099% | 1,072 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 3.7246% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2509% | 4,230 |
| Return on assets (ROA) | 0.2509% | 4,251 |
| Pretax return on assets | 0.2509% | 4,275 |
| Return on Equity (ROE) | 1.7800% | 4,296 |
| Retained earnings to average equity (ytd only) | 1.7848% | 3,761 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.6890% | 268 |
| Assets per employee ($millions) | 4.9320% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,068 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.0100% | 831 |
| Net loans and leases to deposits | 91.8206% | 1,038 |
| Net loans and leases to core deposits | 114.9367% | 657 |
| Total domestic deposits to total assets | 84.9600% | 2,547 |
| Equity capital to assets | 12.7737% | 866 |
| Core capital (leverage) ratio | 14.0252% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8803% | 1,144 |
| Memoranda: | ||
| Average total assets | $66,960,000 | 4,181 |
| Average earning assets | $63,213,000 | 4,146 |
| Average equity | $9,413,000 | 3,807 |
| Average total loans | $53,660,667 | 3,807 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 717 |
| Cost of funding earning assets | 1.4267% | 977 |
| Net interest margin | 3.9721% | 1,321 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 3.5682% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2711% | 4,284 |
| Return on assets (ROA) | 0.2711% | 4,254 |
| Pretax return on assets | 0.2711% | 4,285 |
| Return on Equity (ROE) | 1.8300% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.8309% | 3,729 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.9392% | 284 |
| Assets per employee ($millions) | 3.7251% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,505 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 80.8900% | 465 |
| Net loans and leases to deposits | 98.5002% | 513 |
| Net loans and leases to core deposits | 117.1037% | 510 |
| Total domestic deposits to total assets | 82.1300% | 3,465 |
| Equity capital to assets | 14.8628% | 494 |
| Core capital (leverage) ratio | 15.9759% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3024% | 807 |
| Memoranda: | ||
| Average total assets | $63,450,000 | 4,271 |
| Average earning assets | $59,716,500 | 4,238 |
| Average equity | $9,394,500 | 3,851 |
| Average total loans | $51,321,500 | 3,886 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 1,050 |
| Cost of funding earning assets | 0.8947% | 259 |
| Net interest margin | 3.4044% | 2,245 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 3.1313% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1779% | 4,462 |
| Return on assets (ROA) | 0.1779% | 4,444 |
| Pretax return on assets | 0.1779% | 4,457 |
| Return on Equity (ROE) | 1.3000% | 4,458 |
| Retained earnings to average equity (ytd only) | 1.2998% | 4,136 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.6232% | 219 |
| Assets per employee ($millions) | 4.5410% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,225 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.9000% | 707 |
| Net loans and leases to deposits | 95.9818% | 641 |
| Net loans and leases to core deposits | 112.0638% | 544 |
| Total domestic deposits to total assets | 82.2100% | 3,586 |
| Equity capital to assets | 14.7497% | 497 |
| Core capital (leverage) ratio | 15.7842% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5505% | 773 |
| Memoranda: | ||
| Average total assets | $68,566,400 | 4,243 |
| Average earning assets | $64,828,200 | 4,207 |
| Average equity | $9,386,200 | 3,948 |
| Average total loans | $49,743,400 | 3,896 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 1,157 |
| Cost of funding earning assets | 0.8656% | 121 |
| Net interest margin | 3.1858% | 2,670 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 3.1320% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.0286% | 4,609 |
| Return on assets (ROA) | -0.0286% | 4,583 |
| Pretax return on assets | -0.0286% | 4,579 |
| Return on Equity (ROE) | -0.2100% | 4,568 |
| Retained earnings to average equity (ytd only) | -0.2130% | 4,368 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.9231% | 146 |
| Assets per employee ($millions) | 5.2692% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,321 |
| Loan loss allowance to noncurrent loans | 457.6642% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,165 |
| Noncurrent loans to loans | 0.2710% | 2,288 |
| Net loans and leases to total assets | 78.9700% | 620 |
| Net loans and leases to deposits | 95.9399% | 557 |
| Net loans and leases to core deposits | 97.5272% | 921 |
| Total domestic deposits to total assets | 82.3100% | 3,790 |
| Equity capital to assets | 14.5437% | 497 |
| Core capital (leverage) ratio | 14.6725% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4597% | 685 |
| Memoranda: | ||
| Average total assets | $69,814,500 | 4,264 |
| Average earning assets | $66,082,750 | 4,228 |
| Average equity | $9,388,500 | 3,991 |
| Average total loans | $49,482,000 | 3,919 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 1,430 |
| Cost of funding earning assets | 0.8644% | 69 |
| Net interest margin | 2.8805% | 3,220 |
| Noninterest income to average assets | 0.0750% | 4,572 |
| Noninterest expense to average assets | 3.0440% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2389% | 4,643 |
| Return on assets (ROA) | -0.2389% | 4,617 |
| Pretax return on assets | -0.2389% | 4,606 |
| Return on Equity (ROE) | -1.8196% | 4,608 |
| Retained earnings to average equity (ytd only) | -1.8196% | 4,366 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5149% | 123 |
| Assets per employee ($millions) | 4.6093% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,313 |
| Loan loss allowance to noncurrent loans | 1,458.1395% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,358 |
| Noncurrent loans to loans | 0.0873% | 3,342 |
| Net loans and leases to total assets | 70.3076% | 1,274 |
| Net loans and leases to deposits | 84.0436% | 1,114 |
| Net loans and leases to core deposits | 86.5116% | 1,300 |
| Total domestic deposits to total assets | 83.6561% | 3,756 |
| Equity capital to assets | 13.3268% | 607 |
| Core capital (leverage) ratio | 13.5298% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8782% | 873 |
| Memoranda: | ||
| Average total assets | $72,009,333 | 4,295 |
| Average earning assets | $68,253,000 | 4,261 |
| Average equity | $9,452,667 | 4,052 |
| Average total loans | $49,123,667 | 3,973 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 1,427 |
| Cost of funding earning assets | 0.8960% | 58 |
| Net interest margin | 2.7340% | 3,328 |
| Noninterest income to average assets | 0.0545% | 4,650 |
| Noninterest expense to average assets | 2.8430% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1961% | 4,640 |
| Return on assets (ROA) | -0.1961% | 4,622 |
| Pretax return on assets | -0.1961% | 4,614 |
| Return on Equity (ROE) | -1.5044% | 4,614 |
| Retained earnings to average equity (ytd only) | -1.5044% | 4,199 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4074% | 154 |
| Assets per employee ($millions) | 5.4379% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.8260% | 940 |
| Net loans and leases to deposits | 84.6246% | 841 |
| Net loans and leases to core deposits | 87.0523% | 1,075 |
| Total domestic deposits to total assets | 83.6943% | 3,825 |
| Equity capital to assets | 13.3747% | 628 |
| Core capital (leverage) ratio | 13.1116% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2969% | 714 |
| Memoranda: | ||
| Average total assets | $73,444,500 | 4,304 |
| Average earning assets | $69,642,000 | 4,272 |
| Average equity | $9,572,000 | 4,104 |
| Average total loans | $49,067,000 | 3,987 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 1,113 |
| Cost of funding earning assets | 1.0833% | 50 |
| Net interest margin | 3.0451% | 3,061 |
| Noninterest income to average assets | 0.0809% | 4,657 |
| Noninterest expense to average assets | 2.5628% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4069% | 4,265 |
| Return on assets (ROA) | 0.4069% | 4,299 |
| Pretax return on assets | 0.4069% | 4,384 |
| Return on Equity (ROE) | 3.2424% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.2424% | 3,528 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2978% | 459 |
| Assets per employee ($millions) | 6.3497% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.4350% | 2,014 |
| Net loans and leases to deposits | 72.6856% | 1,843 |
| Net loans and leases to core deposits | 74.9372% | 2,001 |
| Total domestic deposits to total assets | 84.5215% | 3,416 |
| Equity capital to assets | 12.7159% | 989 |
| Core capital (leverage) ratio | 12.4626% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7543% | 931 |
| Memoranda: | ||
| Average total assets | $76,672,600 | 4,261 |
| Average earning assets | $72,740,200 | 4,220 |
| Average equity | $9,622,400 | 4,180 |
| Average total loans | $52,689,000 | 3,951 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 1,286 |
| Cost of funding earning assets | 1.1185% | 52 |
| Net interest margin | 2.9912% | 3,331 |
| Noninterest income to average assets | 0.0851% | 4,723 |
| Noninterest expense to average assets | 2.4915% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4306% | 4,325 |
| Return on assets (ROA) | 0.4306% | 4,360 |
| Pretax return on assets | 0.4306% | 4,452 |
| Return on Equity (ROE) | 3.4423% | 4,394 |
| Retained earnings to average equity (ytd only) | 3.4423% | 3,755 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2644% | 460 |
| Assets per employee ($millions) | 6.9151% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,750 |
| Loan loss allowance to noncurrent loans | 108.1034% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 948 |
| Noncurrent loans to loans | 1.1539% | 971 |
| Net loans and leases to total assets | 65.2578% | 1,627 |
| Net loans and leases to deposits | 77.2567% | 1,551 |
| Net loans and leases to core deposits | 79.6531% | 1,767 |
| Total domestic deposits to total assets | 84.4688% | 3,315 |
| Equity capital to assets | 12.7166% | 1,083 |
| Core capital (leverage) ratio | 12.4023% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5187% | 1,247 |
| Memoranda: | ||
| Average total assets | $76,791,750 | 4,318 |
| Average earning assets | $72,833,000 | 4,276 |
| Average equity | $9,605,750 | 4,236 |
| Average total loans | $54,001,750 | 3,981 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 1,036 |
| Cost of funding earning assets | 1.1679% | 50 |
| Net interest margin | 3.1125% | 2,998 |
| Noninterest income to average assets | 0.0908% | 4,728 |
| Noninterest expense to average assets | 2.5330% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5113% | 4,196 |
| Return on assets (ROA) | 0.5113% | 4,236 |
| Pretax return on assets | 0.5113% | 4,373 |
| Return on Equity (ROE) | 4.0983% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.0983% | 3,489 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2055% | 599 |
| Assets per employee ($millions) | 7.0839% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,546 |
| Loan loss allowance to noncurrent loans | 108.6397% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 1,177 |
| Noncurrent loans to loans | 0.9846% | 1,252 |
| Net loans and leases to total assets | 70.1462% | 1,179 |
| Net loans and leases to deposits | 82.7117% | 1,149 |
| Net loans and leases to core deposits | 84.7863% | 1,509 |
| Total domestic deposits to total assets | 84.8081% | 3,177 |
| Equity capital to assets | 12.4187% | 1,170 |
| Core capital (leverage) ratio | 12.3624% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9530% | 1,346 |
| Memoranda: | ||
| Average total assets | $77,064,000 | 4,335 |
| Average earning assets | $73,125,000 | 4,298 |
| Average equity | $9,613,667 | 4,248 |
| Average total loans | $55,265,333 | 3,985 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 875 |
| Cost of funding earning assets | 1.2152% | 55 |
| Net interest margin | 3.2113% | 2,660 |
| Noninterest income to average assets | 0.1044% | 4,664 |
| Noninterest expense to average assets | 2.5263% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6263% | 3,873 |
| Return on assets (ROA) | 0.6263% | 3,943 |
| Pretax return on assets | 0.6263% | 4,152 |
| Return on Equity (ROE) | 5.0094% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.0094% | 3,219 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1325% | 814 |
| Assets per employee ($millions) | 5.3430% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,510 |
| Loan loss allowance to noncurrent loans | 106.1041% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 1,237 |
| Noncurrent loans to loans | 1.0220% | 1,309 |
| Net loans and leases to total assets | 72.0729% | 1,014 |
| Net loans and leases to deposits | 85.2458% | 1,022 |
| Net loans and leases to core deposits | 87.8904% | 1,376 |
| Total domestic deposits to total assets | 84.5472% | 3,264 |
| Equity capital to assets | 12.8833% | 951 |
| Core capital (leverage) ratio | 12.2441% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0657% | 1,279 |
| Memoranda: | ||
| Average total assets | $76,634,500 | 4,355 |
| Average earning assets | $72,743,500 | 4,321 |
| Average equity | $9,582,000 | 4,261 |
| Average total loans | $55,272,500 | 4,004 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 608 |
| Cost of funding earning assets | 1.7159% | 33 |
| Net interest margin | 3.1729% | 3,430 |
| Noninterest income to average assets | 0.0867% | 4,780 |
| Noninterest expense to average assets | 2.7522% | 2,071 |
| Loan and lease loss provision to assets | 0.0253% | 4,079 |
| Net operating income to assets | 0.3162% | 4,411 |
| Return on assets (ROA) | 0.3162% | 4,477 |
| Pretax return on assets | 0.3162% | 4,525 |
| Return on Equity (ROE) | 2.5038% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.5038% | 3,602 |
| Net charge-offs to loans | 0.0601% | 1,917 |
| Credit loss provision to net charge-offs | 52.7778% | 3,130 |
| Earnings coverage of net charge-offs (x) | 7.1111% | 2,721 |
| Efficiency ratio | 88.9608% | 413 |
| Assets per employee ($millions) | 6.0359% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,664 |
| Loan loss allowance to noncurrent loans | 102.9617% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 1,415 |
| Noncurrent loans to loans | 1.0242% | 1,388 |
| Net loans and leases to total assets | 70.6679% | 1,475 |
| Net loans and leases to deposits | 82.7590% | 1,573 |
| Net loans and leases to core deposits | 86.2473% | 1,847 |
| Total domestic deposits to total assets | 85.3900% | 2,618 |
| Equity capital to assets | 12.1414% | 1,502 |
| Core capital (leverage) ratio | 11.1814% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1539% | 1,478 |
| Memoranda: | ||
| Average total assets | $74,957,200 | 4,309 |
| Average earning assets | $71,039,600 | 4,281 |
| Average equity | $9,465,600 | 4,256 |
| Average total loans | $59,912,800 | 3,920 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 425 |
| Cost of funding earning assets | 1.7641% | 38 |
| Net interest margin | 3.4237% | 2,836 |
| Noninterest income to average assets | 0.0936% | 4,778 |
| Noninterest expense to average assets | 2.7735% | 2,045 |
| Loan and lease loss provision to assets | 0.0337% | 3,917 |
| Net operating income to assets | 0.5273% | 3,961 |
| Return on assets (ROA) | 0.5273% | 4,057 |
| Pretax return on assets | 0.5273% | 4,230 |
| Return on Equity (ROE) | 4.1338% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.1338% | 2,976 |
| Net charge-offs to loans | 0.0788% | 1,521 |
| Credit loss provision to net charge-offs | 52.7778% | 2,877 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,477 |
| Efficiency ratio | 83.1624% | 665 |
| Assets per employee ($millions) | 6.4235% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,701 |
| Loan loss allowance to noncurrent loans | 99.4949% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 1,640 |
| Noncurrent loans to loans | 1.0065% | 1,486 |
| Net loans and leases to total assets | 69.9638% | 1,954 |
| Net loans and leases to deposits | 81.1986% | 2,181 |
| Net loans and leases to core deposits | 92.0541% | 1,792 |
| Total domestic deposits to total assets | 86.1639% | 1,995 |
| Equity capital to assets | 11.4770% | 2,023 |
| Core capital (leverage) ratio | 11.5881% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5773% | 1,627 |
| Memoranda: | ||
| Average total assets | $74,079,750 | 4,332 |
| Average earning assets | $70,136,750 | 4,306 |
| Average equity | $9,450,250 | 4,271 |
| Average total loans | $60,880,500 | 3,920 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7247% | 220 |
| Cost of funding earning assets | 1.8097% | 40 |
| Net interest margin | 3.9150% | 1,533 |
| Noninterest income to average assets | 0.0620% | 4,884 |
| Noninterest expense to average assets | 2.8786% | 1,885 |
| Loan and lease loss provision to assets | 0.0536% | 3,635 |
| Net operating income to assets | 0.8261% | 2,953 |
| Return on assets (ROA) | 0.8261% | 3,065 |
| Pretax return on assets | 0.8261% | 3,518 |
| Return on Equity (ROE) | 6.2303% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.2303% | 1,971 |
| Net charge-offs to loans | 0.1171% | 1,144 |
| Credit loss provision to net charge-offs | 52.7778% | 2,611 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,270 |
| Efficiency ratio | 76.5941% | 1,212 |
| Assets per employee ($millions) | 6.0005% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 3,925 |
| Loan loss allowance to noncurrent loans | 97.3641% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 1,598 |
| Noncurrent loans to loans | 0.9427% | 1,641 |
| Net loans and leases to total assets | 81.7875% | 433 |
| Net loans and leases to deposits | 95.5376% | 832 |
| Net loans and leases to core deposits | 110.5585% | 719 |
| Total domestic deposits to total assets | 85.6077% | 2,159 |
| Equity capital to assets | 12.2848% | 1,490 |
| Core capital (leverage) ratio | 12.7464% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0307% | 1,805 |
| Memoranda: | ||
| Average total assets | $70,937,667 | 4,389 |
| Average earning assets | $66,972,667 | 4,356 |
| Average equity | $9,405,667 | 4,298 |
| Average total loans | $61,502,333 | 3,911 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5476% | 338 |
| Cost of funding earning assets | 1.8639% | 59 |
| Net interest margin | 3.6837% | 2,380 |
| Noninterest income to average assets | 0.0771% | 4,902 |
| Noninterest expense to average assets | 3.0147% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5341% | 3,793 |
| Return on assets (ROA) | 0.5341% | 3,856 |
| Pretax return on assets | 0.5341% | 4,063 |
| Return on Equity (ROE) | 3.8639% | 3,989 |
| Retained earnings to average equity (ytd only) | 3.8639% | 2,728 |
| Net charge-offs to loans | 0.2398% | 596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,283 |
| Efficiency ratio | 84.9498% | 770 |
| Assets per employee ($millions) | 5.3052% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 89.2789% | 44 |
| Net loans and leases to deposits | 106.5922% | 276 |
| Net loans and leases to core deposits | 127.4302% | 312 |
| Total domestic deposits to total assets | 83.7574% | 2,866 |
| Equity capital to assets | 13.5775% | 1,188 |
| Core capital (leverage) ratio | 13.6843% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6411% | 2,024 |
| Memoranda: | ||
| Average total assets | $67,403,000 | 4,449 |
| Average earning assets | $63,523,000 | 4,427 |
| Average equity | $9,317,000 | 4,329 |
| Average total loans | $60,058,000 | 3,958 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4721% | 588 |
| Cost of funding earning assets | 1.8925% | 95 |
| Net interest margin | 3.5796% | 3,201 |
| Noninterest income to average assets | 0.0561% | 5,024 |
| Noninterest expense to average assets | 3.0619% | 1,845 |
| Loan and lease loss provision to assets | 0.0197% | 3,627 |
| Net operating income to assets | 0.3323% | 4,709 |
| Return on assets (ROA) | 0.3323% | 4,734 |
| Pretax return on assets | 0.3323% | 4,788 |
| Return on Equity (ROE) | 2.3918% | 4,756 |
| Retained earnings to average equity (ytd only) | 2.3918% | 3,826 |
| Net charge-offs to loans | 0.0442% | 2,506 |
| Credit loss provision to net charge-offs | 52.0000% | 3,110 |
| Earnings coverage of net charge-offs (x) | 9.2800% | 2,684 |
| Efficiency ratio | 89.6889% | 365 |
| Assets per employee ($millions) | 4.7028% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,220 |
| Loan loss allowance to noncurrent loans | 1,048.2759% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,198 |
| Noncurrent loans to loans | 0.1001% | 4,125 |
| Net loans and leases to total assets | 87.1262% | 116 |
| Net loans and leases to deposits | 101.8754% | 478 |
| Net loans and leases to core deposits | 122.3170% | 419 |
| Total domestic deposits to total assets | 85.5223% | 2,275 |
| Equity capital to assets | 14.0798% | 1,073 |
| Core capital (leverage) ratio | 13.7685% | 987 |
| Tier 1 risk-based capital ratio | 15.2569% | 2,676 |
| Total risk-based capital ratio | 16.2793% | 2,702 |
| Memoranda: | ||
| Average total assets | $65,906,200 | 4,499 |
| Average earning assets | $61,823,000 | 4,481 |
| Average equity | $9,156,400 | 4,351 |
| Average total loans | $56,609,600 | 4,039 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3956% | 703 |
| Cost of funding earning assets | 1.8683% | 112 |
| Net interest margin | 3.5273% | 3,483 |
| Noninterest income to average assets | 0.0566% | 5,099 |
| Noninterest expense to average assets | 2.9974% | 1,990 |
| Loan and lease loss provision to assets | 0.0121% | 3,653 |
| Net operating income to assets | 0.3539% | 4,782 |
| Return on assets (ROA) | 0.3539% | 4,807 |
| Pretax return on assets | 0.3539% | 4,856 |
| Return on Equity (ROE) | 2.5562% | 4,832 |
| Retained earnings to average equity (ytd only) | 2.5562% | 4,072 |
| Net charge-offs to loans | 0.0592% | 1,976 |
| Credit loss provision to net charge-offs | 24.0000% | 2,945 |
| Earnings coverage of net charge-offs (x) | 7.2406% | 2,761 |
| Efficiency ratio | 89.1161% | 360 |
| Assets per employee ($millions) | 5.1867% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 3,419 |
| Loan loss allowance to noncurrent loans | 1,036.2069% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 4,285 |
| Noncurrent loans to loans | 0.0990% | 4,203 |
| Net loans and leases to total assets | 85.9581% | 196 |
| Net loans and leases to deposits | 100.0881% | 627 |
| Net loans and leases to core deposits | 119.3874% | 554 |
| Total domestic deposits to total assets | 85.8825% | 2,043 |
| Equity capital to assets | 13.6785% | 1,281 |
| Core capital (leverage) ratio | 13.7757% | 1,045 |
| Tier 1 risk-based capital ratio | 14.9431% | 2,875 |
| Total risk-based capital ratio | 15.9386% | 2,915 |
| Memoranda: | ||
| Average total assets | $65,923,000 | 4,557 |
| Average earning assets | $61,801,500 | 4,535 |
| Average equity | $9,128,000 | 4,405 |
| Average total loans | $56,269,250 | 4,092 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4167% | 658 |
| Cost of funding earning assets | 1.8426% | 106 |
| Net interest margin | 3.5741% | 3,353 |
| Noninterest income to average assets | 0.0581% | 5,141 |
| Noninterest expense to average assets | 2.9531% | 2,127 |
| Loan and lease loss provision to assets | 0.0183% | 3,418 |
| Net operating income to assets | 0.4310% | 4,671 |
| Return on assets (ROA) | 0.4310% | 4,696 |
| Pretax return on assets | 0.4310% | 4,790 |
| Return on Equity (ROE) | 3.1002% | 4,774 |
| Retained earnings to average equity (ytd only) | 3.1002% | 3,670 |
| Net charge-offs to loans | 0.0901% | 1,466 |
| Credit loss provision to net charge-offs | 24.0000% | 2,631 |
| Earnings coverage of net charge-offs (x) | 5.8800% | 2,609 |
| Efficiency ratio | 86.7925% | 503 |
| Assets per employee ($millions) | 4.9684% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 2,967 |
| Loan loss allowance to noncurrent loans | 1,036.2069% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,324 |
| Noncurrent loans to loans | 0.1080% | 4,190 |
| Net loans and leases to total assets | 82.1998% | 573 |
| Net loans and leases to deposits | 96.0229% | 1,033 |
| Net loans and leases to core deposits | 114.4792% | 759 |
| Total domestic deposits to total assets | 85.6044% | 2,222 |
| Equity capital to assets | 14.2222% | 1,043 |
| Core capital (leverage) ratio | 13.9736% | 966 |
| Tier 1 risk-based capital ratio | 16.1404% | 2,349 |
| Total risk-based capital ratio | 17.2205% | 2,368 |
| Memoranda: | ||
| Average total assets | $65,421,670 | 4,600 |
| Average earning assets | $61,217,670 | 4,580 |
| Average equity | $9,096,330 | 4,423 |
| Average total loans | $55,505,670 | 4,134 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 790 |
| Cost of funding earning assets | 1.7952% | 104 |
| Net interest margin | 3.4798% | 3,651 |
| Noninterest income to average assets | 0.0547% | 5,200 |
| Noninterest expense to average assets | 2.9041% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4010% | 4,729 |
| Return on assets (ROA) | 0.4010% | 4,743 |
| Pretax return on assets | 0.4010% | 4,838 |
| Return on Equity (ROE) | 2.9166% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.9166% | 3,771 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8676% | 489 |
| Assets per employee ($millions) | 5.5015% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,101 |
| Loan loss allowance to noncurrent loans | 704.5455% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,133 |
| Noncurrent loans to loans | 0.1569% | 4,038 |
| Net loans and leases to total assets | 84.0180% | 371 |
| Net loans and leases to deposits | 97.7444% | 807 |
| Net loans and leases to core deposits | 115.0601% | 685 |
| Total domestic deposits to total assets | 85.9569% | 2,301 |
| Equity capital to assets | 13.7720% | 1,115 |
| Core capital (leverage) ratio | 13.4979% | 1,092 |
| Tier 1 risk-based capital ratio | 15.5402% | 2,631 |
| Total risk-based capital ratio | 16.6267% | 2,628 |
| Memoranda: | ||
| Average total assets | $65,838,000 | 4,641 |
| Average earning assets | $61,497,500 | 4,626 |
| Average equity | $9,051,500 | 4,459 |
| Average total loans | $56,412,000 | 4,158 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 616 |
| Cost of funding earning assets | 1.4066% | 138 |
| Net interest margin | 3.8620% | 2,462 |
| Noninterest income to average assets | 0.0550% | 5,260 |
| Noninterest expense to average assets | 2.9839% | 2,087 |
| Loan and lease loss provision to assets | 0.0437% | 3,309 |
| Net operating income to assets | 0.6282% | 4,338 |
| Return on assets (ROA) | 0.6282% | 4,348 |
| Pretax return on assets | 0.6282% | 4,579 |
| Return on Equity (ROE) | 4.3996% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.3996% | 3,116 |
| Net charge-offs to loans | 0.0239% | 2,931 |
| Credit loss provision to net charge-offs | 207.6923% | 1,391 |
| Earnings coverage of net charge-offs (x) | 31.9231% | 1,531 |
| Efficiency ratio | 81.6209% | 830 |
| Assets per employee ($millions) | 5.4715% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 85.4686% | 272 |
| Net loans and leases to deposits | 99.3010% | 793 |
| Net loans and leases to core deposits | 116.2661% | 678 |
| Total domestic deposits to total assets | 86.0702% | 2,192 |
| Equity capital to assets | 13.7241% | 1,056 |
| Core capital (leverage) ratio | 13.9351% | 937 |
| Tier 1 risk-based capital ratio | 15.2096% | 2,736 |
| Total risk-based capital ratio | 16.2846% | 2,750 |
| Memoranda: | ||
| Average total assets | $61,765,400 | 4,727 |
| Average earning assets | $57,587,400 | 4,718 |
| Average equity | $8,819,000 | 4,481 |
| Average total loans | $54,447,200 | 4,218 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2337% | 586 |
| Cost of funding earning assets | 1.3502% | 137 |
| Net interest margin | 3.8835% | 2,366 |
| Noninterest income to average assets | 0.0570% | 5,327 |
| Noninterest expense to average assets | 2.9806% | 2,070 |
| Loan and lease loss provision to assets | 0.0592% | 2,795 |
| Net operating income to assets | 0.6382% | 4,403 |
| Return on assets (ROA) | 0.6382% | 4,409 |
| Pretax return on assets | 0.6382% | 4,661 |
| Return on Equity (ROE) | 4.4236% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.4236% | 3,541 |
| Net charge-offs to loans | 0.0322% | 2,446 |
| Credit loss provision to net charge-offs | 207.6923% | 1,338 |
| Earnings coverage of net charge-offs (x) | 24.4657% | 1,814 |
| Efficiency ratio | 81.0376% | 856 |
| Assets per employee ($millions) | 5.1438% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 88.7082% | 116 |
| Net loans and leases to deposits | 110.3129% | 278 |
| Net loans and leases to core deposits | 118.6633% | 618 |
| Total domestic deposits to total assets | 80.4151% | 4,019 |
| Equity capital to assets | 14.4250% | 848 |
| Core capital (leverage) ratio | 14.3776% | 846 |
| Tier 1 risk-based capital ratio | 15.1841% | 2,800 |
| Total risk-based capital ratio | 16.2719% | 2,797 |
| Memoranda: | ||
| Average total assets | $60,792,250 | 4,797 |
| Average earning assets | $56,682,250 | 4,785 |
| Average equity | $8,771,000 | 4,530 |
| Average total loans | $53,874,750 | 4,274 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 554 |
| Cost of funding earning assets | 1.2970% | 115 |
| Net interest margin | 3.9051% | 2,184 |
| Noninterest income to average assets | 0.0562% | 5,386 |
| Noninterest expense to average assets | 2.9662% | 2,147 |
| Loan and lease loss provision to assets | 0.0893% | 2,132 |
| Net operating income to assets | 0.6448% | 4,363 |
| Return on assets (ROA) | 0.6448% | 4,371 |
| Pretax return on assets | 0.6448% | 4,654 |
| Return on Equity (ROE) | 4.4691% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.4691% | 3,365 |
| Net charge-offs to loans | 0.0487% | 1,912 |
| Credit loss provision to net charge-offs | 207.6923% | 1,273 |
| Earnings coverage of net charge-offs (x) | 17.0769% | 1,971 |
| Efficiency ratio | 80.1609% | 1,006 |
| Assets per employee ($millions) | 4.9895% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 2,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 87.4603% | 176 |
| Net loans and leases to deposits | 106.9895% | 394 |
| Net loans and leases to core deposits | 115.1939% | 740 |
| Total domestic deposits to total assets | 81.7467% | 3,796 |
| Equity capital to assets | 14.7126% | 754 |
| Core capital (leverage) ratio | 14.1797% | 861 |
| Tier 1 risk-based capital ratio | 15.5081% | 2,634 |
| Total risk-based capital ratio | 16.6313% | 2,623 |
| Memoranda: | ||
| Average total assets | $60,481,000 | 4,866 |
| Average earning assets | $56,438,670 | 4,849 |
| Average equity | $8,726,670 | 4,578 |
| Average total loans | $53,374,330 | 4,319 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 499 |
| Cost of funding earning assets | 1.2461% | 111 |
| Net interest margin | 3.9425% | 1,888 |
| Noninterest income to average assets | 0.0592% | 5,454 |
| Noninterest expense to average assets | 2.8955% | 2,383 |
| Loan and lease loss provision to assets | 0.1119% | 1,688 |
| Net operating income to assets | 0.7370% | 3,957 |
| Return on assets (ROA) | 0.7370% | 3,960 |
| Pretax return on assets | 0.7370% | 4,333 |
| Return on Equity (ROE) | 5.1580% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.1580% | 3,096 |
| Net charge-offs to loans | 0.0971% | 1,209 |
| Credit loss provision to net charge-offs | 130.7692% | 1,330 |
| Earnings coverage of net charge-offs (x) | 9.9231% | 1,933 |
| Efficiency ratio | 77.3286% | 1,420 |
| Assets per employee ($millions) | 5.1345% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 86.9250% | 196 |
| Net loans and leases to deposits | 107.1374% | 339 |
| Net loans and leases to core deposits | 115.1513% | 754 |
| Total domestic deposits to total assets | 81.1342% | 4,168 |
| Equity capital to assets | 14.1753% | 845 |
| Core capital (leverage) ratio | 13.9675% | 885 |
| Tier 1 risk-based capital ratio | 14.9617% | 2,884 |
| Total risk-based capital ratio | 16.0304% | 2,911 |
| Memoranda: | ||
| Average total assets | $60,784,500 | 4,909 |
| Average earning assets | $56,817,000 | 4,896 |
| Average equity | $8,685,500 | 4,627 |
| Average total loans | $53,568,500 | 4,362 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 795 |
| Cost of funding earning assets | 1.1733% | 81 |
| Net interest margin | 3.7281% | 2,680 |
| Noninterest income to average assets | 0.0733% | 5,478 |
| Noninterest expense to average assets | 2.9641% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0035% | 5,354 |
| Return on assets (ROA) | 0.0035% | 5,355 |
| Pretax return on assets | 0.5792% | 4,785 |
| Return on Equity (ROE) | 0.0228% | 5,355 |
| Retained earnings to average equity (ytd only) | 0.0228% | 4,999 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6534% | 800 |
| Assets per employee ($millions) | 5.9955% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 87.3372% | 168 |
| Net loans and leases to deposits | 103.2638% | 536 |
| Net loans and leases to core deposits | 109.6929% | 1,028 |
| Total domestic deposits to total assets | 84.5768% | 3,002 |
| Equity capital to assets | 14.4058% | 805 |
| Core capital (leverage) ratio | 14.2508% | 785 |
| Tier 1 risk-based capital ratio | 14.9800% | 2,862 |
| Total risk-based capital ratio | 16.0551% | 2,869 |
| Memoranda: | ||
| Average total assets | $57,319,600 | 5,022 |
| Average earning assets | $53,351,800 | 5,011 |
| Average equity | $8,760,200 | 4,654 |
| Average total loans | $48,951,400 | 4,486 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 808 |
| Cost of funding earning assets | 1.1665% | 77 |
| Net interest margin | 3.7020% | 2,756 |
| Noninterest income to average assets | 0.0800% | 5,531 |
| Noninterest expense to average assets | 2.9320% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5906% | 4,422 |
| Return on assets (ROA) | 0.5906% | 4,461 |
| Pretax return on assets | 0.5906% | 4,865 |
| Return on Equity (ROE) | 3.8068% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.8068% | 3,655 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2331% | 818 |
| Assets per employee ($millions) | 5.6829% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,477 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 85.9614% | 261 |
| Net loans and leases to deposits | 102.1902% | 601 |
| Net loans and leases to core deposits | 109.5781% | 1,051 |
| Total domestic deposits to total assets | 84.1190% | 3,074 |
| Equity capital to assets | 15.6645% | 607 |
| Core capital (leverage) ratio | 14.1110% | 865 |
| Tier 1 risk-based capital ratio | 14.9977% | 2,917 |
| Total risk-based capital ratio | 16.1479% | 2,890 |
| Memoranda: | ||
| Average total assets | $56,660,750 | 5,087 |
| Average earning assets | $52,691,000 | 5,074 |
| Average equity | $8,791,000 | 4,697 |
| Average total loans | $47,947,000 | 4,560 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 887 |
| Cost of funding earning assets | 1.1347% | 81 |
| Net interest margin | 3.6499% | 2,839 |
| Noninterest income to average assets | 0.0848% | 5,562 |
| Noninterest expense to average assets | 2.8231% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6713% | 3,972 |
| Return on assets (ROA) | 0.6713% | 4,032 |
| Pretax return on assets | 0.6713% | 4,625 |
| Return on Equity (ROE) | 4.3409% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.3409% | 3,120 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7887% | 1,124 |
| Assets per employee ($millions) | 5.6496% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,414 |
| Loan loss allowance to noncurrent loans | 673.3333% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,543 |
| Noncurrent loans to loans | 0.1930% | 4,347 |
| Net loans and leases to total assets | 81.4482% | 755 |
| Net loans and leases to deposits | 96.7657% | 1,001 |
| Net loans and leases to core deposits | 103.7846% | 1,367 |
| Total domestic deposits to total assets | 84.1706% | 3,133 |
| Equity capital to assets | 15.6631% | 577 |
| Core capital (leverage) ratio | 14.0628% | 844 |
| Tier 1 risk-based capital ratio | 15.6714% | 2,633 |
| Total risk-based capital ratio | 16.8813% | 2,583 |
| Memoranda: | ||
| Average total assets | $56,604,670 | 5,125 |
| Average earning assets | $52,878,330 | 5,106 |
| Average equity | $8,754,000 | 4,728 |
| Average total loans | $47,443,670 | 4,597 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 822 |
| Cost of funding earning assets | 1.1239% | 83 |
| Net interest margin | 3.6356% | 2,754 |
| Noninterest income to average assets | 0.0847% | 5,629 |
| Noninterest expense to average assets | 2.7251% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7625% | 3,414 |
| Return on assets (ROA) | 0.7625% | 3,465 |
| Pretax return on assets | 0.7625% | 4,233 |
| Return on Equity (ROE) | 4.9618% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.9618% | 2,920 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1377% | 1,610 |
| Assets per employee ($millions) | 5.7632% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 82.0811% | 557 |
| Net loans and leases to deposits | 97.0379% | 846 |
| Net loans and leases to core deposits | 105.0312% | 1,159 |
| Total domestic deposits to total assets | 84.5867% | 3,269 |
| Equity capital to assets | 15.2051% | 615 |
| Core capital (leverage) ratio | 13.7449% | 901 |
| Tier 1 risk-based capital ratio | 15.3895% | 2,802 |
| Total risk-based capital ratio | 16.5910% | 2,750 |
| Memoranda: | ||
| Average total assets | $56,659,000 | 5,176 |
| Average earning assets | $53,031,000 | 5,155 |
| Average equity | $8,706,500 | 4,768 |
| Average total loans | $47,855,000 | 4,630 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 902 |
| Cost of funding earning assets | 1.0526% | 128 |
| Net interest margin | 3.7412% | 2,534 |
| Noninterest income to average assets | 0.0638% | 5,741 |
| Noninterest expense to average assets | 2.8947% | 2,689 |
| Loan and lease loss provision to assets | 0.0747% | 2,855 |
| Net operating income to assets | 2.4481% | 151 |
| Return on assets (ROA) | 2.4481% | 155 |
| Pretax return on assets | 0.6252% | 4,721 |
| Return on Equity (ROE) | 16.9978% | 406 |
| Retained earnings to average equity (ytd only) | 16.9978% | 74 |
| Net charge-offs to loans | -0.0109% | 4,957 |
| Credit loss provision to net charge-offs | -820.0000% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5274% | 1,356 |
| Assets per employee ($millions) | 5.5686% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 84.7484% | 321 |
| Net loans and leases to deposits | 100.6398% | 632 |
| Net loans and leases to core deposits | 108.2632% | 1,005 |
| Total domestic deposits to total assets | 84.2097% | 3,346 |
| Equity capital to assets | 15.5335% | 560 |
| Core capital (leverage) ratio | 14.0341% | 809 |
| Tier 1 risk-based capital ratio | 15.0333% | 2,950 |
| Total risk-based capital ratio | 16.2242% | 2,913 |
| Memoranda: | ||
| Average total assets | $54,858,400 | 5,248 |
| Average earning assets | $51,775,200 | 5,213 |
| Average equity | $7,901,000 | 4,950 |
| Average total loans | $46,041,400 | 4,689 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 879 |
| Cost of funding earning assets | 1.0497% | 127 |
| Net interest margin | 3.7605% | 2,490 |
| Noninterest income to average assets | 0.0683% | 5,793 |
| Noninterest expense to average assets | 2.8080% | 2,976 |
| Loan and lease loss provision to assets | 0.0976% | 2,274 |
| Net operating income to assets | 3.1593% | 77 |
| Return on assets (ROA) | 3.1593% | 78 |
| Pretax return on assets | 0.7197% | 4,556 |
| Return on Equity (ROE) | 22.3837% | 151 |
| Retained earnings to average equity (ytd only) | 22.3837% | 41 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4563% | 1,767 |
| Assets per employee ($millions) | 5.5322% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 81.0618% | 746 |
| Net loans and leases to deposits | 96.2380% | 1,028 |
| Net loans and leases to core deposits | 103.5562% | 1,377 |
| Total domestic deposits to total assets | 84.2305% | 3,132 |
| Equity capital to assets | 15.5851% | 616 |
| Core capital (leverage) ratio | 14.1860% | 800 |
| Tier 1 risk-based capital ratio | 16.1138% | 2,581 |
| Total risk-based capital ratio | 17.3738% | 2,526 |
| Memoranda: | ||
| Average total assets | $54,651,500 | 5,300 |
| Average earning assets | $51,694,250 | 5,265 |
| Average equity | $7,713,750 | 5,027 |
| Average total loans | $45,602,000 | 4,739 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 959 |
| Cost of funding earning assets | 1.0328% | 142 |
| Net interest margin | 3.7172% | 2,627 |
| Noninterest income to average assets | 0.0661% | 5,870 |
| Noninterest expense to average assets | 2.7302% | 3,271 |
| Loan and lease loss provision to assets | 0.1470% | 1,559 |
| Net operating income to assets | 0.7202% | 3,696 |
| Return on assets (ROA) | 0.7202% | 3,851 |
| Pretax return on assets | 0.7202% | 4,555 |
| Return on Equity (ROE) | 5.2894% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.2894% | 2,552 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8938% | 2,097 |
| Assets per employee ($millions) | 5.5667% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 2,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.2600% | 1,166 |
| Net loans and leases to deposits | 90.6188% | 1,683 |
| Net loans and leases to core deposits | 97.2650% | 1,865 |
| Total domestic deposits to total assets | 86.3618% | 2,233 |
| Equity capital to assets | 13.5107% | 1,233 |
| Core capital (leverage) ratio | 13.7203% | 898 |
| Tier 1 risk-based capital ratio | 15.9741% | 2,655 |
| Total risk-based capital ratio | 17.2254% | 2,592 |
| Memoranda: | ||
| Average total assets | $54,428,000 | 5,360 |
| Average earning assets | $51,705,000 | 5,319 |
| Average equity | $7,411,000 | 5,120 |
| Average total loans | $45,654,330 | 4,781 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 804 |
| Cost of funding earning assets | 1.0029% | 167 |
| Net interest margin | 3.8235% | 2,209 |
| Noninterest income to average assets | 0.0595% | 5,939 |
| Noninterest expense to average assets | 2.7728% | 3,177 |
| Loan and lease loss provision to assets | 0.2974% | 530 |
| Net operating income to assets | 0.6170% | 4,105 |
| Return on assets (ROA) | 0.6170% | 4,223 |
| Pretax return on assets | 0.6170% | 4,769 |
| Return on Equity (ROE) | 4.5133% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.5133% | 3,229 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2016% | 2,296 |
| Assets per employee ($millions) | 5.0720% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 85.0014% | 295 |
| Net loans and leases to deposits | 98.1518% | 748 |
| Net loans and leases to core deposits | 103.5730% | 1,215 |
| Total domestic deposits to total assets | 86.6020% | 2,408 |
| Equity capital to assets | 13.2636% | 1,287 |
| Core capital (leverage) ratio | 13.5832% | 951 |
| Tier 1 risk-based capital ratio | 14.7155% | 3,280 |
| Total risk-based capital ratio | 15.9087% | 3,250 |
| Memoranda: | ||
| Average total assets | $53,808,500 | 5,430 |
| Average earning assets | $51,052,500 | 5,382 |
| Average equity | $7,356,000 | 5,163 |
| Average total loans | $46,399,000 | 4,789 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,208 |
| Cost of funding earning assets | 0.9503% | 221 |
| Net interest margin | 3.7026% | 2,741 |
| Noninterest income to average assets | 0.0748% | 5,934 |
| Noninterest expense to average assets | 2.9308% | 2,760 |
| Loan and lease loss provision to assets | 0.1850% | 1,211 |
| Net operating income to assets | 0.4692% | 4,816 |
| Return on assets (ROA) | 0.4692% | 4,896 |
| Pretax return on assets | 0.4692% | 5,178 |
| Return on Equity (ROE) | 3.4830% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.4830% | 3,579 |
| Net charge-offs to loans | 0.2361% | 1,259 |
| Credit loss provision to net charge-offs | 97.0588% | 2,614 |
| Earnings coverage of net charge-offs (x) | 3.4314% | 3,725 |
| Efficiency ratio | 81.7518% | 1,440 |
| Assets per employee ($millions) | 4.7114% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 3,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 85.3140% | 285 |
| Net loans and leases to deposits | 99.4221% | 723 |
| Net loans and leases to core deposits | 106.4346% | 1,076 |
| Total domestic deposits to total assets | 85.8099% | 2,730 |
| Equity capital to assets | 14.1090% | 897 |
| Core capital (leverage) ratio | 13.8401% | 862 |
| Tier 1 risk-based capital ratio | 15.8351% | 2,768 |
| Total risk-based capital ratio | 17.0478% | 2,719 |
| Memoranda: | ||
| Average total assets | $53,500,000 | 5,470 |
| Average earning assets | $50,720,600 | 5,419 |
| Average equity | $7,206,400 | 5,208 |
| Average total loans | $43,201,800 | 4,885 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 1,464 |
| Cost of funding earning assets | 0.9438% | 229 |
| Net interest margin | 3.6032% | 3,146 |
| Noninterest income to average assets | 0.0742% | 6,032 |
| Noninterest expense to average assets | 2.8759% | 2,923 |
| Loan and lease loss provision to assets | 0.0247% | 3,775 |
| Net operating income to assets | 0.5910% | 4,430 |
| Return on assets (ROA) | 0.5910% | 4,530 |
| Pretax return on assets | 0.5910% | 4,995 |
| Return on Equity (ROE) | 4.4382% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.4382% | 3,303 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3654% | 1,345 |
| Assets per employee ($millions) | 4.9189% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.4986% | 1,025 |
| Net loans and leases to deposits | 90.8535% | 1,544 |
| Net loans and leases to core deposits | 96.9151% | 1,803 |
| Total domestic deposits to total assets | 86.4013% | 2,326 |
| Equity capital to assets | 13.5082% | 1,225 |
| Core capital (leverage) ratio | 13.4009% | 1,058 |
| Tier 1 risk-based capital ratio | 16.4636% | 2,596 |
| Total risk-based capital ratio | 17.7134% | 2,555 |
| Memoranda: | ||
| Average total assets | $53,918,750 | 5,531 |
| Average earning assets | $51,138,500 | 5,481 |
| Average equity | $7,180,000 | 5,283 |
| Average total loans | $42,808,750 | 4,958 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 1,505 |
| Cost of funding earning assets | 0.9361% | 240 |
| Net interest margin | 3.5721% | 3,200 |
| Noninterest income to average assets | 0.0706% | 6,110 |
| Noninterest expense to average assets | 2.9041% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5533% | 4,546 |
| Return on assets (ROA) | 0.5533% | 4,654 |
| Pretax return on assets | 0.5533% | 5,093 |
| Return on Equity (ROE) | 4.1754% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.1754% | 3,371 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9957% | 1,269 |
| Assets per employee ($millions) | 5.9873% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 3,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 77.9924% | 1,068 |
| Net loans and leases to deposits | 90.1422% | 1,579 |
| Net loans and leases to core deposits | 96.1584% | 1,783 |
| Total domestic deposits to total assets | 86.5215% | 2,422 |
| Equity capital to assets | 13.3727% | 1,231 |
| Core capital (leverage) ratio | 13.2437% | 1,073 |
| Tier 1 risk-based capital ratio | 16.9559% | 2,422 |
| Total risk-based capital ratio | 18.2051% | 2,376 |
| Memoranda: | ||
| Average total assets | $53,855,670 | 5,589 |
| Average earning assets | $51,062,670 | 5,541 |
| Average equity | $7,137,000 | 5,332 |
| Average total loans | $42,729,330 | 4,999 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 1,425 |
| Cost of funding earning assets | 0.9478% | 227 |
| Net interest margin | 3.5639% | 3,153 |
| Noninterest income to average assets | 0.0669% | 6,185 |
| Noninterest expense to average assets | 2.8900% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5572% | 4,453 |
| Return on assets (ROA) | 0.5572% | 4,565 |
| Pretax return on assets | 0.5572% | 5,033 |
| Return on Equity (ROE) | 4.2239% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.2239% | 3,476 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8362% | 1,401 |
| Assets per employee ($millions) | 6.0968% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 3,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.6871% | 1,107 |
| Net loans and leases to deposits | 88.3419% | 1,579 |
| Net loans and leases to core deposits | 97.4525% | 1,525 |
| Total domestic deposits to total assets | 86.8072% | 2,483 |
| Equity capital to assets | 12.9996% | 1,406 |
| Core capital (leverage) ratio | 12.9979% | 1,157 |
| Tier 1 risk-based capital ratio | 16.3547% | 2,752 |
| Total risk-based capital ratio | 17.6041% | 2,692 |
| Memoranda: | ||
| Average total assets | $53,840,500 | 5,641 |
| Average earning assets | $51,068,000 | 5,586 |
| Average equity | $7,102,500 | 5,384 |
| Average total loans | $42,799,000 | 5,030 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 1,148 |
| Cost of funding earning assets | 0.9120% | 363 |
| Net interest margin | 3.8719% | 2,351 |
| Noninterest income to average assets | 0.2168% | 5,556 |
| Noninterest expense to average assets | 3.8633% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0020% | 6,087 |
| Return on assets (ROA) | 0.0020% | 6,109 |
| Pretax return on assets | 0.0020% | 6,094 |
| Return on Equity (ROE) | 0.0141% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.0141% | 5,756 |
| Net charge-offs to loans | 0.3858% | 1,107 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.0061% | 4,712 |
| Efficiency ratio | 99.9495% | 363 |
| Assets per employee ($millions) | 5.8678% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 3,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.2746% | 706 |
| Net loans and leases to deposits | 92.8429% | 1,201 |
| Net loans and leases to core deposits | 103.4707% | 1,152 |
| Total domestic deposits to total assets | 86.4628% | 2,593 |
| Equity capital to assets | 13.3914% | 1,199 |
| Core capital (leverage) ratio | 13.0818% | 1,105 |
| Tier 1 risk-based capital ratio | 15.6901% | 3,129 |
| Total risk-based capital ratio | 16.9392% | 3,065 |
| Memoranda: | ||
| Average total assets | $51,200,400 | 5,761 |
| Average earning assets | $48,245,000 | 5,716 |
| Average equity | $7,068,800 | 5,399 |
| Average total loans | $42,507,800 | 5,088 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 1,049 |
| Cost of funding earning assets | 0.8899% | 435 |
| Net interest margin | 3.9447% | 2,054 |
| Noninterest income to average assets | 0.0971% | 6,256 |
| Noninterest expense to average assets | 4.0972% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2887% | 6,313 |
| Return on assets (ROA) | -0.2887% | 6,308 |
| Pretax return on assets | -0.2887% | 6,289 |
| Return on Equity (ROE) | -2.0750% | 6,289 |
| Retained earnings to average equity (ytd only) | -2.0750% | 6,081 |
| Net charge-offs to loans | 0.4969% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.6962% | 4,515 |
| Efficiency ratio | 107.5810% | 250 |
| Assets per employee ($millions) | 5.3520% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 3,386 |
| Loan loss allowance to noncurrent loans | 711.2500% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,589 |
| Noncurrent loans to loans | 0.1902% | 5,336 |
| Net loans and leases to total assets | 77.5224% | 1,018 |
| Net loans and leases to deposits | 89.3719% | 1,494 |
| Net loans and leases to core deposits | 98.7904% | 1,466 |
| Total domestic deposits to total assets | 86.7414% | 2,454 |
| Equity capital to assets | 13.0194% | 1,412 |
| Core capital (leverage) ratio | 12.9049% | 1,223 |
| Tier 1 risk-based capital ratio | 15.6065% | 3,257 |
| Total risk-based capital ratio | 16.8563% | 3,198 |
| Memoranda: | ||
| Average total assets | $50,798,000 | 5,833 |
| Average earning assets | $47,793,250 | 5,794 |
| Average equity | $7,068,000 | 5,447 |
| Average total loans | $42,395,750 | 5,147 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 934 |
| Cost of funding earning assets | 0.8500% | 555 |
| Net interest margin | 4.0363% | 1,699 |
| Noninterest income to average assets | 0.0962% | 6,299 |
| Noninterest expense to average assets | 3.7282% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1563% | 5,941 |
| Return on assets (ROA) | 0.1563% | 5,976 |
| Pretax return on assets | 0.1563% | 6,016 |
| Return on Equity (ROE) | 1.0984% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.0984% | 5,318 |
| Net charge-offs to loans | 0.5693% | 720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3223% | 4,070 |
| Efficiency ratio | 95.9752% | 556 |
| Assets per employee ($millions) | 5.9629% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 3,201 |
| Loan loss allowance to noncurrent loans | 196.1165% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 4,260 |
| Noncurrent loans to loans | 0.7287% | 3,875 |
| Net loans and leases to total assets | 77.8910% | 922 |
| Net loans and leases to deposits | 89.9701% | 1,376 |
| Net loans and leases to core deposits | 99.5238% | 1,320 |
| Total domestic deposits to total assets | 86.5744% | 2,719 |
| Equity capital to assets | 13.2635% | 1,241 |
| Core capital (leverage) ratio | 13.8232% | 879 |
| Tier 1 risk-based capital ratio | 15.5704% | 3,317 |
| Total risk-based capital ratio | 16.8216% | 3,269 |
| Memoranda: | ||
| Average total assets | $49,890,670 | 5,912 |
| Average earning assets | $46,824,670 | 5,866 |
| Average equity | $7,101,330 | 5,466 |
| Average total loans | $42,508,000 | 5,183 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 731 |
| Cost of funding earning assets | 0.7814% | 830 |
| Net interest margin | 4.2091% | 1,195 |
| Noninterest income to average assets | 0.1083% | 6,302 |
| Noninterest expense to average assets | 3.7164% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3416% | 5,349 |
| Return on assets (ROA) | 0.3416% | 5,408 |
| Pretax return on assets | 0.3416% | 5,620 |
| Return on Equity (ROE) | 2.3121% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.3121% | 4,679 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5811% | 905 |
| Assets per employee ($millions) | 4.8211% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 2,450 |
| Loan loss allowance to noncurrent loans | 169.0698% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 3,507 |
| Noncurrent loans to loans | 0.9861% | 3,452 |
| Net loans and leases to total assets | 88.9382% | 63 |
| Net loans and leases to deposits | 104.6137% | 271 |
| Net loans and leases to core deposits | 115.7176% | 414 |
| Total domestic deposits to total assets | 85.0159% | 3,857 |
| Equity capital to assets | 14.7580% | 723 |
| Core capital (leverage) ratio | 14.7308% | 642 |
| Tier 1 risk-based capital ratio | 16.1822% | 3,061 |
| Total risk-based capital ratio | 17.4377% | 3,026 |
| Memoranda: | ||
| Average total assets | $48,003,000 | 6,004 |
| Average earning assets | $45,045,000 | 5,969 |
| Average equity | $7,093,000 | 5,493 |
| Average total loans | $42,558,500 | 5,217 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 1,013 |
| Cost of funding earning assets | 0.8157% | 1,117 |
| Net interest margin | 4.1285% | 1,574 |
| Noninterest income to average assets | 0.4367% | 4,182 |
| Noninterest expense to average assets | 4.3765% | 586 |
| Loan and lease loss provision to assets | 0.8223% | 252 |
| Net operating income to assets | -0.9176% | 6,594 |
| Return on assets (ROA) | -0.9060% | 6,590 |
| Pretax return on assets | -0.9060% | 6,574 |
| Return on Equity (ROE) | -5.4173% | 6,494 |
| Retained earnings to average equity (ytd only) | -5.4173% | 6,392 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2246% | 418 |
| Assets per employee ($millions) | 3.9829% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 85.3332% | 188 |
| Net loans and leases to deposits | 100.3790% | 463 |
| Net loans and leases to core deposits | 110.6574% | 587 |
| Total domestic deposits to total assets | 85.0110% | 3,745 |
| Equity capital to assets | 14.7944% | 710 |
| Core capital (leverage) ratio | 14.6577% | 651 |
| Tier 1 risk-based capital ratio | 16.6150% | 2,788 |
| Total risk-based capital ratio | 17.8697% | 2,755 |
| Memoranda: | ||
| Average total assets | $43,047,800 | 6,198 |
| Average earning assets | $40,087,200 | 6,169 |
| Average equity | $7,199,200 | 5,520 |
| Average total loans | $35,181,200 | 5,528 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 1,262 |
| Cost of funding earning assets | 0.8130% | 1,260 |
| Net interest margin | 4.0271% | 1,851 |
| Noninterest income to average assets | 0.5096% | 3,739 |
| Noninterest expense to average assets | 4.5642% | 486 |
| Loan and lease loss provision to assets | 1.0224% | 161 |
| Net operating income to assets | -1.3377% | 6,744 |
| Return on assets (ROA) | -1.3377% | 6,746 |
| Pretax return on assets | -1.3377% | 6,742 |
| Return on Equity (ROE) | -7.7440% | 6,657 |
| Retained earnings to average equity (ytd only) | -7.7440% | 6,590 |
| Net charge-offs to loans | 0.6945% | 864 |
| Credit loss provision to net charge-offs | 183.4286% | 1,320 |
| Earnings coverage of net charge-offs (x) | -0.5657% | 4,959 |
| Efficiency ratio | 107.4213% | 308 |
| Assets per employee ($millions) | 4.2175% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 82.3422% | 341 |
| Net loans and leases to deposits | 97.3497% | 602 |
| Net loans and leases to core deposits | 106.1670% | 751 |
| Total domestic deposits to total assets | 84.5839% | 3,937 |
| Equity capital to assets | 15.2027% | 681 |
| Core capital (leverage) ratio | 15.5630% | 558 |
| Tier 1 risk-based capital ratio | 16.7663% | 2,829 |
| Total risk-based capital ratio | 18.0025% | 2,779 |
| Memoranda: | ||
| Average total assets | $41,861,000 | 6,301 |
| Average earning assets | $38,869,000 | 6,271 |
| Average equity | $7,231,250 | 5,576 |
| Average total loans | $33,598,500 | 5,648 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 1,501 |
| Cost of funding earning assets | 0.8125% | 1,355 |
| Net interest margin | 3.9127% | 2,180 |
| Noninterest income to average assets | 0.0991% | 6,532 |
| Noninterest expense to average assets | 4.9219% | 375 |
| Loan and lease loss provision to assets | 0.6196% | 405 |
| Net operating income to assets | -1.8141% | 6,836 |
| Return on assets (ROA) | -1.8141% | 6,840 |
| Pretax return on assets | -1.8141% | 6,830 |
| Return on Equity (ROE) | -10.0402% | 6,744 |
| Retained earnings to average equity (ytd only) | -10.0402% | 6,667 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.0479% | 116 |
| Assets per employee ($millions) | 4.0587% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,284 |
| Loan loss allowance to noncurrent loans | 255.3846% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,182 |
| Noncurrent loans to loans | 0.5274% | 4,943 |
| Net loans and leases to total assets | 81.6982% | 378 |
| Net loans and leases to deposits | 97.4486% | 578 |
| Net loans and leases to core deposits | 105.7829% | 745 |
| Total domestic deposits to total assets | 83.8373% | 4,390 |
| Equity capital to assets | 15.8917% | 540 |
| Core capital (leverage) ratio | 17.3155% | 342 |
| Tier 1 risk-based capital ratio | 18.0182% | 2,311 |
| Total risk-based capital ratio | 19.2822% | 2,271 |
| Memoranda: | ||
| Average total assets | $40,350,330 | 6,391 |
| Average earning assets | $37,417,000 | 6,361 |
| Average equity | $7,290,670 | 5,604 |
| Average total loans | $31,891,330 | 5,759 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 1,168 |
| Cost of funding earning assets | 0.8279% | 1,383 |
| Net interest margin | 4.0373% | 1,656 |
| Noninterest income to average assets | 0.0942% | 6,591 |
| Noninterest expense to average assets | 5.1829% | 326 |
| Loan and lease loss provision to assets | 0.6387% | 387 |
| Net operating income to assets | -1.9999% | 6,927 |
| Return on assets (ROA) | -1.9999% | 6,929 |
| Pretax return on assets | -1.9999% | 6,920 |
| Return on Equity (ROE) | -10.3404% | 6,810 |
| Retained earnings to average equity (ytd only) | -10.3404% | 6,628 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.6164% | 122 |
| Assets per employee ($millions) | 3.6695% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 4,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 77.7698% | 639 |
| Net loans and leases to deposits | 95.3583% | 574 |
| Net loans and leases to core deposits | 102.9922% | 772 |
| Total domestic deposits to total assets | 81.5553% | 5,338 |
| Equity capital to assets | 18.0805% | 329 |
| Core capital (leverage) ratio | 17.9821% | 285 |
| Tier 1 risk-based capital ratio | 21.2872% | 1,472 |
| Total risk-based capital ratio | 22.5580% | 1,442 |
| Memoranda: | ||
| Average total assets | $38,202,500 | 6,510 |
| Average earning assets | $35,271,000 | 6,483 |
| Average equity | $7,388,500 | 5,642 |
| Average total loans | $29,350,500 | 5,916 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 4,164 |
| Cost of funding earning assets | 0.7334% | 3,220 |
| Net interest margin | 3.5731% | 4,216 |
| Noninterest income to average assets | 0.4200% | 4,458 |
| Noninterest expense to average assets | 5.7570% | 244 |
| Loan and lease loss provision to assets | 0.3818% | 1,712 |
| Net operating income to assets | -2.4702% | 6,973 |
| Return on assets (ROA) | -2.4702% | 6,978 |
| Pretax return on assets | -2.4702% | 6,979 |
| Return on Equity (ROE) | -10.6810% | 6,739 |
| Retained earnings to average equity (ytd only) | -10.6810% | 6,660 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.9255% | 75 |
| Assets per employee ($millions) | 3.2765% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 73.5357% | 1,257 |
| Net loans and leases to deposits | 93.2219% | 808 |
| Net loans and leases to core deposits | 95.2318% | 1,371 |
| Total domestic deposits to total assets | 78.8824% | 5,911 |
| Equity capital to assets | 20.7514% | 194 |
| Core capital (leverage) ratio | 20.8234% | 170 |
| Tier 1 risk-based capital ratio | 23.9841% | 974 |
| Total risk-based capital ratio | 25.1833% | 961 |
| Memoranda: | ||
| Average total assets | $34,045,800 | 6,655 |
| Average earning assets | $30,953,600 | 6,639 |
| Average equity | $7,873,800 | 5,534 |
| Average total loans | $20,597,800 | 6,393 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 4,840 |
| Cost of funding earning assets | 0.7369% | 3,466 |
| Net interest margin | 3.4566% | 4,821 |
| Noninterest income to average assets | 0.1113% | 6,578 |
| Noninterest expense to average assets | 5.8504% | 228 |
| Loan and lease loss provision to assets | 0.0596% | 4,979 |
| Net operating income to assets | -2.6668% | 7,099 |
| Return on assets (ROA) | -2.6668% | 7,100 |
| Pretax return on assets | -2.6668% | 7,091 |
| Return on Equity (ROE) | -11.2216% | 6,883 |
| Retained earnings to average equity (ytd only) | -11.2216% | 6,845 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.3922% | 48 |
| Assets per employee ($millions) | 3.4726% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 58.6592% | 4,015 |
| Net loans and leases to deposits | 75.6546% | 3,033 |
| Net loans and leases to core deposits | 78.8679% | 3,341 |
| Total domestic deposits to total assets | 77.5356% | 6,157 |
| Equity capital to assets | 22.0930% | 165 |
| Core capital (leverage) ratio | 22.9626% | 124 |
| Tier 1 risk-based capital ratio | 30.2874% | 519 |
| Total risk-based capital ratio | 31.3115% | 521 |
| Memoranda: | ||
| Average total assets | $33,547,000 | 6,748 |
| Average earning assets | $30,395,000 | 6,737 |
| Average equity | $7,972,500 | 5,566 |
| Average total loans | $19,028,250 | 6,547 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 5,154 |
| Cost of funding earning assets | 0.7437% | 3,659 |
| Net interest margin | 3.3996% | 5,094 |
| Noninterest income to average assets | 0.1206% | 6,580 |
| Noninterest expense to average assets | 6.0325% | 216 |
| Loan and lease loss provision to assets | 0.0362% | 5,223 |
| Net operating income to assets | -2.8594% | 7,150 |
| Return on assets (ROA) | -2.8594% | 7,156 |
| Pretax return on assets | -2.8594% | 7,144 |
| Return on Equity (ROE) | -11.7433% | 6,937 |
| Retained earnings to average equity (ytd only) | -11.7433% | 6,881 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.9699% | 47 |
| Assets per employee ($millions) | 3.0104% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 5,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.1260% | 3,966 |
| Net loans and leases to deposits | 77.8149% | 2,699 |
| Net loans and leases to core deposits | 78.9062% | 3,378 |
| Total domestic deposits to total assets | 75.9830% | 6,461 |
| Equity capital to assets | 23.6999% | 118 |
| Core capital (leverage) ratio | 23.1987% | 113 |
| Tier 1 risk-based capital ratio | 33.7109% | 383 |
| Total risk-based capital ratio | 34.7834% | 381 |
| Memoranda: | ||
| Average total assets | $33,154,000 | 6,805 |
| Average earning assets | $30,121,000 | 6,791 |
| Average equity | $8,072,670 | 5,544 |
| Average total loans | $18,495,000 | 6,623 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 6,207 |
| Cost of funding earning assets | 0.7425% | 3,925 |
| Net interest margin | 3.0759% | 6,116 |
| Noninterest income to average assets | 0.1085% | 6,701 |
| Noninterest expense to average assets | 6.0288% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -3.1229% | 7,229 |
| Return on assets (ROA) | -3.1229% | 7,229 |
| Pretax return on assets | -3.1229% | 7,216 |
| Return on Equity (ROE) | -12.6573% | 7,034 |
| Retained earnings to average equity (ytd only) | -12.6573% | 6,917 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 207.4689% | 36 |
| Assets per employee ($millions) | 3.9476% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,864 |
| Loan loss allowance to noncurrent loans | 177.3723% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 5,911 |
| Noncurrent loans to loans | 0.7517% | 5,159 |
| Net loans and leases to total assets | 50.6136% | 5,217 |
| Net loans and leases to deposits | 65.7285% | 4,415 |
| Net loans and leases to core deposits | 68.4742% | 4,634 |
| Total domestic deposits to total assets | 77.0041% | 6,406 |
| Equity capital to assets | 22.7088% | 132 |
| Core capital (leverage) ratio | 25.4558% | 92 |
| Tier 1 risk-based capital ratio | 35.4961% | 327 |
| Total risk-based capital ratio | 36.5687% | 322 |
| Memoranda: | ||
| Average total assets | $33,174,000 | 6,860 |
| Average earning assets | $30,170,000 | 6,841 |
| Average equity | $8,185,000 | 5,536 |
| Average total loans | $17,828,500 | 6,716 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 6,573 |
| Cost of funding earning assets | 1.0245% | 3,204 |
| Net interest margin | 2.9050% | 6,679 |
| Noninterest income to average assets | 2.0016% | 378 |
| Noninterest expense to average assets | 6.8505% | 146 |
| Loan and lease loss provision to assets | 0.2692% | 3,521 |
| Net operating income to assets | -2.4957% | 7,117 |
| Return on assets (ROA) | -2.4957% | 7,123 |
| Pretax return on assets | -2.4957% | 7,122 |
| Return on Equity (ROE) | -9.2380% | 6,723 |
| Retained earnings to average equity (ytd only) | -9.2380% | 6,679 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.1507% | 144 |
| Assets per employee ($millions) | 3.4244% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,488 |
| Loan loss allowance to noncurrent loans | 177.3723% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 5,853 |
| Noncurrent loans to loans | 0.7859% | 5,112 |
| Net loans and leases to total assets | 55.7722% | 4,753 |
| Net loans and leases to deposits | 76.6135% | 3,070 |
| Net loans and leases to core deposits | 80.9313% | 3,322 |
| Total domestic deposits to total assets | 72.7969% | 6,828 |
| Equity capital to assets | 26.9371% | 85 |
| Core capital (leverage) ratio | 24.8659% | 103 |
| Tier 1 risk-based capital ratio | 38.7426% | 253 |
| Total risk-based capital ratio | 39.8768% | 250 |
| Memoranda: | ||
| Average total assets | $31,574,200 | 6,929 |
| Average earning assets | $28,503,000 | 6,910 |
| Average equity | $8,530,000 | 5,396 |
| Average total loans | $16,602,000 | 6,818 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 6,777 |
| Cost of funding earning assets | 1.0741% | 3,153 |
| Net interest margin | 2.7853% | 6,900 |
| Noninterest income to average assets | 2.6110% | 254 |
| Noninterest expense to average assets | 7.3292% | 127 |
| Loan and lease loss provision to assets | 0.3568% | 2,731 |
| Net operating income to assets | -2.5606% | 7,217 |
| Return on assets (ROA) | -2.5606% | 7,228 |
| Pretax return on assets | -2.5606% | 7,217 |
| Return on Equity (ROE) | -9.4714% | 6,880 |
| Retained earnings to average equity (ytd only) | -9.4714% | 6,842 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.9975% | 170 |
| Assets per employee ($millions) | 3.8944% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 4,192 |
| Loan loss allowance to noncurrent loans | 177.3723% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 6,094 |
| Noncurrent loans to loans | 0.8359% | 5,202 |
| Net loans and leases to total assets | 46.0656% | 6,142 |
| Net loans and leases to deposits | 60.9766% | 5,521 |
| Net loans and leases to core deposits | 65.6715% | 5,449 |
| Total domestic deposits to total assets | 75.5464% | 6,585 |
| Equity capital to assets | 24.2539% | 124 |
| Core capital (leverage) ratio | 23.6830% | 129 |
| Tier 1 risk-based capital ratio | 39.1857% | 267 |
| Total risk-based capital ratio | 40.3087% | 264 |
| Memoranda: | ||
| Average total assets | $31,762,750 | 6,991 |
| Average earning assets | $28,673,500 | 6,976 |
| Average equity | $8,587,000 | 5,416 |
| Average total loans | $16,394,500 | 6,898 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 6,782 |
| Cost of funding earning assets | 1.1170% | 3,110 |
| Net interest margin | 2.7997% | 6,926 |
| Noninterest income to average assets | 0.0913% | 6,870 |
| Noninterest expense to average assets | 8.0673% | 111 |
| Loan and lease loss provision to assets | 0.5543% | 1,747 |
| Net operating income to assets | -6.0130% | 7,462 |
| Return on assets (ROA) | -6.0130% | 7,463 |
| Pretax return on assets | -6.0130% | 7,463 |
| Return on Equity (ROE) | -21.4029% | 7,164 |
| Retained earnings to average equity (ytd only) | -21.4029% | 7,150 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 309.2500% | 24 |
| Assets per employee ($millions) | 4.2243% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,290 |
| Loan loss allowance to noncurrent loans | 177.3723% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 6,135 |
| Noncurrent loans to loans | 0.7067% | 5,497 |
| Net loans and leases to total assets | 56.6432% | 4,879 |
| Net loans and leases to deposits | 74.9432% | 3,653 |
| Net loans and leases to core deposits | 82.1545% | 3,478 |
| Total domestic deposits to total assets | 75.5815% | 6,661 |
| Equity capital to assets | 24.2055% | 132 |
| Core capital (leverage) ratio | 23.7862% | 135 |
| Tier 1 risk-based capital ratio | 35.3168% | 336 |
| Total risk-based capital ratio | 36.3676% | 333 |
| Memoranda: | ||
| Average total assets | $30,667,000 | 7,086 |
| Average earning assets | $27,574,000 | 7,071 |
| Average equity | $8,615,670 | 5,428 |
| Average total loans | $16,396,330 | 6,960 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 6,948 |
| Cost of funding earning assets | 1.0479% | 3,866 |
| Net interest margin | 2.7585% | 6,962 |
| Noninterest income to average assets | 0.0962% | 6,933 |
| Noninterest expense to average assets | 8.5763% | 95 |
| Loan and lease loss provision to assets | 0.7972% | 1,061 |
| Net operating income to assets | -6.8170% | 7,521 |
| Return on assets (ROA) | -6.8170% | 7,521 |
| Pretax return on assets | -6.8170% | 7,521 |
| Return on Equity (ROE) | -22.4600% | 7,247 |
| Retained earnings to average equity (ytd only) | -22.4600% | 7,198 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 335.4839% | 24 |
| Assets per employee ($millions) | 2.6884% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 5,367 |
| Loan loss allowance to noncurrent loans | 157.6642% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 6,144 |
| Noncurrent loans to loans | 0.7951% | 5,440 |
| Net loans and leases to total assets | 52.7386% | 5,493 |
| Net loans and leases to deposits | 72.1207% | 4,060 |
| Net loans and leases to core deposits | 79.6946% | 3,798 |
| Total domestic deposits to total assets | 73.1254% | 6,990 |
| Equity capital to assets | 26.6266% | 98 |
| Core capital (leverage) ratio | 31.5095% | 71 |
| Tier 1 risk-based capital ratio | 39.9257% | 242 |
| Total risk-based capital ratio | 40.9294% | 238 |
| Memoranda: | ||
| Average total assets | $29,103,500 | 7,177 |
| Average earning assets | $25,956,000 | 7,176 |
| Average equity | $8,833,500 | 5,379 |
| Average total loans | $14,902,000 | 7,099 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5106% | 7,543 |
| Cost of funding earning assets | 1.0693% | 5,319 |
| Net interest margin | 1.4413% | 7,552 |
| Noninterest income to average assets | 0.0939% | 6,921 |
| Noninterest expense to average assets | 9.4144% | 88 |
| Loan and lease loss provision to assets | 0.6258% | 2,628 |
| Net operating income to assets | -8.6992% | 7,628 |
| Return on assets (ROA) | -8.6992% | 7,629 |
| Pretax return on assets | -8.6992% | 7,629 |
| Return on Equity (ROE) | -19.3863% | 7,026 |
| Retained earnings to average equity (ytd only) | -19.3863% | 7,002 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 702.0000% | 13 |
| Assets per employee ($millions) | 2.1622% | 7,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 5,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 47.8532% | 6,403 |
| Net loans and leases to deposits | 74.0591% | 4,179 |
| Net loans and leases to core deposits | 75.6289% | 4,766 |
| Total domestic deposits to total assets | 64.6150% | 7,426 |
| Equity capital to assets | 34.9842% | 62 |
| Core capital (leverage) ratio | 34.7120% | 67 |
| Tier 1 risk-based capital ratio | 53.0683% | 136 |
| Total risk-based capital ratio | 53.9908% | 136 |
| Memoranda: | ||
| Average total assets | $22,370,000 | 7,412 |
| Average earning assets | $19,357,800 | 7,416 |
| Average equity | $10,038,000 | 5,119 |
| Average total loans | $6,637,600 | 7,507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0489% | 7,687 |
| Cost of funding earning assets | 1.0316% | 5,790 |
| Net interest margin | 1.0172% | 7,703 |
| Noninterest income to average assets | 0.0993% | 7,049 |
| Noninterest expense to average assets | 8.5923% | 99 |
| Loan and lease loss provision to assets | 0.7078% | 2,161 |
| Net operating income to assets | -8.3254% | 7,730 |
| Return on assets (ROA) | -8.3254% | 7,731 |
| Pretax return on assets | -8.3254% | 7,732 |
| Return on Equity (ROE) | -17.3956% | 7,169 |
| Retained earnings to average equity (ytd only) | -17.3956% | 7,148 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 881.5287% | 5 |
| Assets per employee ($millions) | 1.8525% | 7,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 42.9740% | 6,909 |
| Net loans and leases to deposits | 71.9880% | 4,844 |
| Net loans and leases to core deposits | 73.7739% | 5,322 |
| Total domestic deposits to total assets | 59.6960% | 7,598 |
| Equity capital to assets | 40.2292% | 57 |
| Core capital (leverage) ratio | 40.4566% | 54 |
| Tier 1 risk-based capital ratio | 66.4541% | 89 |
| Total risk-based capital ratio | 67.3523% | 90 |
| Memoranda: | ||
| Average total assets | $21,476,000 | 7,528 |
| Average earning assets | $18,481,500 | 7,534 |
| Average equity | $10,278,250 | 5,113 |
| Average total loans | $5,153,500 | 7,650 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4364% | 7,788 |
| Cost of funding earning assets | 0.9727% | 6,275 |
| Net interest margin | 0.4637% | 7,801 |
| Noninterest income to average assets | 0.0873% | 7,143 |
| Noninterest expense to average assets | 8.3854% | 107 |
| Loan and lease loss provision to assets | 0.4464% | 3,090 |
| Net operating income to assets | -8.3465% | 7,791 |
| Return on assets (ROA) | -8.3465% | 7,792 |
| Pretax return on assets | -8.3465% | 7,789 |
| Return on Equity (ROE) | -16.4200% | 7,187 |
| Retained earnings to average equity (ytd only) | -16.4200% | 7,150 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,728.0000% | 3 |
| Assets per employee ($millions) | 1.9430% | 7,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 21.1400% | 7,674 |
| Net loans and leases to deposits | 37.6921% | 7,502 |
| Net loans and leases to core deposits | 38.7226% | 7,517 |
| Total domestic deposits to total assets | 56.0859% | 7,708 |
| Equity capital to assets | 43.6524% | 54 |
| Core capital (leverage) ratio | 45.7328% | 50 |
| Tier 1 risk-based capital ratio | 97.2198% | 57 |
| Total risk-based capital ratio | 97.8217% | 57 |
| Memoranda: | ||
| Average total assets | $20,607,330 | 7,613 |
| Average earning assets | $17,683,330 | 7,619 |
| Average equity | $10,475,000 | 5,068 |
| Average total loans | $3,378,000 | 7,755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1459% | 7,902 |
| Cost of funding earning assets | 0.9508% | 6,576 |
| Net interest margin | 0.1950% | 7,917 |
| Noninterest income to average assets | 0.0831% | 7,289 |
| Noninterest expense to average assets | 8.5389% | 107 |
| Loan and lease loss provision to assets | 0.8934% | 1,421 |
| Net operating income to assets | -9.1830% | 7,885 |
| Return on assets (ROA) | -9.1830% | 7,886 |
| Pretax return on assets | -9.1830% | 7,882 |
| Return on Equity (ROE) | -16.6423% | 7,356 |
| Retained earnings to average equity (ytd only) | -16.6423% | 7,263 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,425.0000% | 5 |
| Assets per employee ($millions) | 1.7325% | 7,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 17.0611% | 7,813 |
| Net loans and leases to deposits | 34.2904% | 7,653 |
| Net loans and leases to core deposits | 35.4842% | 7,659 |
| Total domestic deposits to total assets | 49.7547% | 7,837 |
| Equity capital to assets | 50.0241% | 47 |
| Core capital (leverage) ratio | 53.3009% | 44 |
| Tier 1 risk-based capital ratio | 120.8711% | 43 |
| Total risk-based capital ratio | 121.3705% | 43 |
| Memoranda: | ||
| Average total assets | $19,253,000 | 7,739 |
| Average earning assets | $16,406,500 | 7,744 |
| Average equity | $10,623,500 | 5,068 |
| Average total loans | $2,571,000 | 7,871 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1764% | 8,006 |
| Cost of funding earning assets | 0.1008% | 7,965 |
| Net interest margin | 0.0756% | 8,002 |
| Noninterest income to average assets | 0.0136% | 7,644 |
| Noninterest expense to average assets | 22.7223% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -22.6474% | 8,007 |
| Return on assets (ROA) | -22.6474% | 8,007 |
| Pretax return on assets | -22.6474% | 8,006 |
| Return on Equity (ROE) | -30.0751% | 7,405 |
| Retained earnings to average equity (ytd only) | -30.0751% | 7,386 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30,336.3636% | 1 |
| Assets per employee ($millions) | 1.6105% | 7,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 8.7604% | 7,937 |
| Net loans and leases to deposits | 22.6272% | 7,896 |
| Net loans and leases to core deposits | 54.7250% | 7,449 |
| Total domestic deposits to total assets | 38.7164% | 7,936 |
| Equity capital to assets | 61.2271% | 43 |
| Core capital (leverage) ratio | 76.3389% | 30 |
| Tier 1 risk-based capital ratio | 177.4125% | 39 |
| Total risk-based capital ratio | 177.4125% | 39 |
| Memoranda: | ||
| Average total assets | $14,686,000 | 7,901 |
| Average earning assets | $11,907,000 | 7,916 |
| Average equity | $11,059,000 | 5,009 |
| Average total loans | $776,000 | 7,958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0150% | 8,097 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.0150% | 8,090 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 33.4926% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -33.4812% | 8,099 |
| Return on assets (ROA) | -33.4812% | 8,099 |
| Pretax return on assets | -33.4812% | 8,097 |
| Return on Equity (ROE) | -34.6249% | 7,695 |
| Retained earnings to average equity (ytd only) | -34.6249% | 7,686 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 292,800.0000% | 1 |
| Assets per employee ($millions) | 1.0596% | 8,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 3.3030% | 8,076 |
| Equity capital to assets | 96.6970% | 3 |
| Core capital (leverage) ratio | 98.8337% | 2 |
| Tier 1 risk-based capital ratio | 262.6048% | 23 |
| Total risk-based capital ratio | 262.6048% | 23 |
| Memoranda: | ||
| Average total assets | $11,656,000 | 8,038 |
| Average earning assets | $8,859,000 | 8,040 |
| Average equity | $11,271,000 | 4,995 |
| Average total loans | NA | NA |