Home > Homestead Savings Bank > Performance and Condition Ratios
Homestead Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 3,087 |
| Cost of funding earning assets | 0.3115% | 4,369 |
| Net interest margin | 4.1955% | 940 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 3.8857% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6189% | 3,392 |
| Return on assets (ROA) | 0.5720% | 3,501 |
| Pretax return on assets | 0.7236% | 3,388 |
| Return on Equity (ROE) | 8.5200% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.5182% | 1,391 |
| 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 | 83.2298% | 706 |
| Assets per employee ($millions) | 2.9391% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 2,938 |
| Loan loss allowance to noncurrent loans | 194.1379% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 1,408 |
| Noncurrent loans to loans | 0.5562% | 1,406 |
| Net loans and leases to total assets | 70.2000% | 1,786 |
| Net loans and leases to deposits | 75.9449% | 2,454 |
| Net loans and leases to core deposits | 78.3810% | 2,810 |
| Total domestic deposits to total assets | 92.4400% | 238 |
| Equity capital to assets | 7.2186% | 3,855 |
| Core capital (leverage) ratio | 7.9083% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5963% | 1,161 |
| Memoranda: | ||
| Average total assets | $75,868,200 | 4,054 |
| Average earning assets | $69,025,800 | 4,045 |
| Average equity | $5,095,000 | 4,251 |
| Average total loans | $52,991,800 | 3,798 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,890 |
| Cost of funding earning assets | 0.2437% | 4,408 |
| Net interest margin | 4.2668% | 844 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 3.8256% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6583% | 3,413 |
| Return on assets (ROA) | 0.5963% | 3,541 |
| Pretax return on assets | 0.7550% | 3,437 |
| Return on Equity (ROE) | 9.0400% | 2,916 |
| Retained earnings to average equity (ytd only) | 9.0425% | 1,671 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.1108% | 723 |
| Assets per employee ($millions) | 2.9546% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,034 |
| Loan loss allowance to noncurrent loans | 133.7292% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 1,029 |
| Noncurrent loans to loans | 0.7977% | 1,048 |
| Net loans and leases to total assets | 70.6900% | 1,741 |
| Net loans and leases to deposits | 76.1419% | 2,398 |
| Net loans and leases to core deposits | 78.5544% | 2,713 |
| Total domestic deposits to total assets | 92.8400% | 324 |
| Equity capital to assets | 6.8762% | 3,675 |
| Core capital (leverage) ratio | 7.5548% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8456% | 1,362 |
| Memoranda: | ||
| Average total assets | $76,466,000 | 4,067 |
| Average earning assets | $69,496,500 | 4,059 |
| Average equity | $5,042,750 | 4,271 |
| Average total loans | $53,203,750 | 3,806 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,635 |
| Cost of funding earning assets | 0.1898% | 4,440 |
| Net interest margin | 4.3144% | 790 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 3.7474% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7359% | 3,254 |
| Return on assets (ROA) | 0.6440% | 3,485 |
| Pretax return on assets | 0.8328% | 3,319 |
| Return on Equity (ROE) | 9.9000% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.8993% | 1,429 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.7907% | 855 |
| Assets per employee ($millions) | 3.1170% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 4,219 |
| Loan loss allowance to noncurrent loans | 85.1508% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 938 |
| Noncurrent loans to loans | 0.7949% | 958 |
| Net loans and leases to total assets | 71.9900% | 1,534 |
| Net loans and leases to deposits | 77.5597% | 2,170 |
| Net loans and leases to core deposits | 79.9798% | 2,473 |
| Total domestic deposits to total assets | 92.8100% | 281 |
| Equity capital to assets | 6.9243% | 3,832 |
| Core capital (leverage) ratio | 7.5734% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5432% | 1,415 |
| Memoranda: | ||
| Average total assets | $77,333,333 | 4,075 |
| Average earning assets | $70,600,333 | 4,071 |
| Average equity | $5,030,667 | 4,293 |
| Average total loans | $53,346,667 | 3,811 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 2,352 |
| Cost of funding earning assets | 0.1501% | 4,458 |
| Net interest margin | 4.3351% | 763 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.7305% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6362% | 3,618 |
| Return on assets (ROA) | 0.6362% | 3,574 |
| Pretax return on assets | 0.8397% | 3,368 |
| Return on Equity (ROE) | 10.0900% | 2,760 |
| Retained earnings to average equity (ytd only) | 10.0888% | 1,676 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6258% | 731 |
| Assets per employee ($millions) | 3.7378% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 4,257 |
| Loan loss allowance to noncurrent loans | 83.7900% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 930 |
| Noncurrent loans to loans | 0.8211% | 931 |
| Net loans and leases to total assets | 67.4900% | 1,899 |
| Net loans and leases to deposits | 72.2876% | 2,447 |
| Net loans and leases to core deposits | 74.0043% | 2,676 |
| Total domestic deposits to total assets | 93.3600% | 248 |
| Equity capital to assets | 6.4081% | 4,059 |
| Core capital (leverage) ratio | 7.4076% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6369% | 1,458 |
| Memoranda: | ||
| Average total assets | $78,595,500 | 4,123 |
| Average earning assets | $71,970,500 | 4,109 |
| Average equity | $4,956,000 | 4,355 |
| Average total loans | $52,910,500 | 3,864 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 2,952 |
| Cost of funding earning assets | 0.0861% | 4,450 |
| Net interest margin | 3.4603% | 2,064 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 3.5971% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3534% | 4,305 |
| Return on assets (ROA) | 0.3534% | 4,271 |
| Pretax return on assets | 0.4414% | 4,237 |
| Return on Equity (ROE) | 5.8300% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.8299% | 2,708 |
| Net charge-offs to loans | -0.1120% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.0705% | 327 |
| Assets per employee ($millions) | 3.9349% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 4,209 |
| Loan loss allowance to noncurrent loans | 101.6620% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 1,105 |
| Noncurrent loans to loans | 0.6879% | 1,089 |
| Net loans and leases to total assets | 66.2200% | 2,016 |
| Net loans and leases to deposits | 70.7713% | 2,518 |
| Net loans and leases to core deposits | 72.4438% | 2,689 |
| Total domestic deposits to total assets | 93.5700% | 297 |
| Equity capital to assets | 6.2035% | 4,016 |
| Core capital (leverage) ratio | 7.4732% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5239% | 1,776 |
| Memoranda: | ||
| Average total assets | $81,788,000 | 4,103 |
| Average earning assets | $74,357,200 | 4,106 |
| Average equity | $4,957,200 | 4,434 |
| Average total loans | $50,891,400 | 3,876 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 2,825 |
| Cost of funding earning assets | 0.0871% | 4,374 |
| Net interest margin | 3.3459% | 2,152 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 3.6643% | 418 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2745% | 4,411 |
| Return on assets (ROA) | 0.2745% | 4,368 |
| Pretax return on assets | 0.3424% | 4,337 |
| Return on Equity (ROE) | 4.5600% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.5551% | 3,259 |
| Net charge-offs to loans | -0.1347% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.4551% | 287 |
| Assets per employee ($millions) | 4.0969% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 4,273 |
| Loan loss allowance to noncurrent loans | 148.5597% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 1,759 |
| Noncurrent loans to loans | 0.4631% | 1,642 |
| Net loans and leases to total assets | 63.5900% | 2,128 |
| Net loans and leases to deposits | 67.8106% | 2,547 |
| Net loans and leases to core deposits | 69.3447% | 2,693 |
| Total domestic deposits to total assets | 93.7800% | 398 |
| Equity capital to assets | 5.8521% | 4,016 |
| Core capital (leverage) ratio | 6.7895% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2383% | 1,965 |
| Memoranda: | ||
| Average total assets | $82,560,750 | 4,123 |
| Average earning assets | $75,034,500 | 4,127 |
| Average equity | $4,976,000 | 4,472 |
| Average total loans | $50,494,750 | 3,906 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2428% | 2,914 |
| Cost of funding earning assets | 0.0824% | 4,355 |
| Net interest margin | 3.1604% | 2,325 |
| Noninterest income to average assets | 0.9883% | 689 |
| Noninterest expense to average assets | 3.6342% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1812% | 4,446 |
| Return on assets (ROA) | 0.1812% | 4,408 |
| Pretax return on assets | 0.2271% | 4,378 |
| Return on Equity (ROE) | 2.9784% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.9784% | 3,457 |
| Net charge-offs to loans | -0.0080% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 286 |
| Assets per employee ($millions) | 4.1292% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 4,456 |
| Loan loss allowance to noncurrent loans | 119.5402% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 1,744 |
| Noncurrent loans to loans | 0.5070% | 1,612 |
| Net loans and leases to total assets | 61.9599% | 2,124 |
| Net loans and leases to deposits | 66.2082% | 2,532 |
| Net loans and leases to core deposits | 67.6973% | 2,680 |
| Total domestic deposits to total assets | 93.5835% | 371 |
| Equity capital to assets | 5.9261% | 4,222 |
| Core capital (leverage) ratio | 6.6153% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8083% | 2,153 |
| Memoranda: | ||
| Average total assets | $82,768,667 | 4,164 |
| Average earning assets | $75,242,667 | 4,179 |
| Average equity | $5,036,333 | 4,518 |
| Average total loans | $49,837,000 | 3,962 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 2,559 |
| Cost of funding earning assets | 0.0792% | 4,368 |
| Net interest margin | 3.1634% | 1,984 |
| Noninterest income to average assets | 1.0475% | 626 |
| Noninterest expense to average assets | 3.6302% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2655% | 4,210 |
| Return on assets (ROA) | 0.2655% | 4,178 |
| Pretax return on assets | 0.3090% | 4,175 |
| Return on Equity (ROE) | 4.3074% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.3074% | 2,838 |
| Net charge-offs to loans | -0.0163% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1569% | 459 |
| Assets per employee ($millions) | 3.5642% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 4,481 |
| Loan loss allowance to noncurrent loans | 79.3893% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 1,000 |
| Noncurrent loans to loans | 0.7982% | 1,188 |
| Net loans and leases to total assets | 59.6833% | 2,095 |
| Net loans and leases to deposits | 63.8088% | 2,550 |
| Net loans and leases to core deposits | 63.8088% | 2,813 |
| Total domestic deposits to total assets | 93.5347% | 168 |
| Equity capital to assets | 6.0945% | 4,563 |
| Core capital (leverage) ratio | 6.0781% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7392% | 1,903 |
| Memoranda: | ||
| Average total assets | $82,861,000 | 4,182 |
| Average earning assets | $75,741,500 | 4,195 |
| Average equity | $5,107,500 | 4,556 |
| Average total loans | $49,015,000 | 3,988 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1904% | 3,491 |
| Cost of funding earning assets | 0.0987% | 4,391 |
| Net interest margin | 3.0916% | 2,933 |
| Noninterest income to average assets | 1.0953% | 860 |
| Noninterest expense to average assets | 3.6901% | 390 |
| Loan and lease loss provision to assets | -0.0399% | 4,311 |
| Net operating income to assets | 0.1982% | 4,536 |
| Return on assets (ROA) | 0.2021% | 4,552 |
| Pretax return on assets | 0.2632% | 4,523 |
| Return on Equity (ROE) | 3.0953% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.0953% | 3,592 |
| Net charge-offs to loans | 0.0502% | 1,313 |
| Credit loss provision to net charge-offs | -139.1304% | 3,432 |
| Earnings coverage of net charge-offs (x) | 7.6087% | 2,338 |
| Efficiency ratio | 94.4143% | 225 |
| Assets per employee ($millions) | 3.2210% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 4,514 |
| Loan loss allowance to noncurrent loans | 84.0108% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 1,498 |
| Noncurrent loans to loans | 0.7563% | 1,341 |
| Net loans and leases to total assets | 57.8917% | 2,388 |
| Net loans and leases to deposits | 62.0014% | 2,881 |
| Net loans and leases to core deposits | 62.0014% | 3,162 |
| Total domestic deposits to total assets | 93.3716% | 29 |
| Equity capital to assets | 6.2319% | 4,806 |
| Core capital (leverage) ratio | 6.3844% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9410% | 1,869 |
| Memoranda: | ||
| Average total assets | $80,161,400 | 4,219 |
| Average earning assets | $72,938,400 | 4,215 |
| Average equity | $5,233,800 | 4,610 |
| Average total loans | $45,857,000 | 4,074 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2932% | 3,410 |
| Cost of funding earning assets | 0.1034% | 4,469 |
| Net interest margin | 3.1898% | 2,760 |
| Noninterest income to average assets | 1.1186% | 907 |
| Noninterest expense to average assets | 3.7863% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1763% | 4,645 |
| Return on assets (ROA) | 0.1817% | 4,661 |
| Pretax return on assets | 0.2439% | 4,637 |
| Return on Equity (ROE) | 2.7493% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.7493% | 3,984 |
| Net charge-offs to loans | 0.0621% | 1,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,165 |
| Efficiency ratio | 94.1054% | 227 |
| Assets per employee ($millions) | 3.1890% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 4,352 |
| Loan loss allowance to noncurrent loans | 90.7652% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 1,599 |
| Noncurrent loans to loans | 0.8776% | 1,307 |
| Net loans and leases to total assets | 53.7379% | 3,001 |
| Net loans and leases to deposits | 57.7674% | 3,429 |
| Net loans and leases to core deposits | 57.7674% | 3,646 |
| Total domestic deposits to total assets | 93.0247% | 33 |
| Equity capital to assets | 6.5915% | 4,862 |
| Core capital (leverage) ratio | 6.3874% | 4,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9933% | 1,973 |
| Memoranda: | ||
| Average total assets | $79,265,250 | 4,279 |
| Average earning assets | $72,186,750 | 4,285 |
| Average equity | $5,237,500 | 4,673 |
| Average total loans | $45,123,250 | 4,145 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 3,675 |
| Cost of funding earning assets | 0.1029% | 4,560 |
| Net interest margin | 3.1005% | 3,037 |
| Noninterest income to average assets | 1.2615% | 734 |
| Noninterest expense to average assets | 3.8426% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1896% | 4,646 |
| Return on assets (ROA) | 0.1896% | 4,660 |
| Pretax return on assets | 0.2376% | 4,645 |
| Return on Equity (ROE) | 2.8672% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.8672% | 3,882 |
| Net charge-offs to loans | 0.1005% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.0870% | 2,043 |
| Efficiency ratio | 94.1760% | 250 |
| Assets per employee ($millions) | 3.1610% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 4,459 |
| Loan loss allowance to noncurrent loans | 67.3228% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 1,290 |
| Noncurrent loans to loans | 1.1057% | 1,095 |
| Net loans and leases to total assets | 57.7063% | 2,706 |
| Net loans and leases to deposits | 62.1489% | 3,184 |
| Net loans and leases to core deposits | 62.1489% | 3,446 |
| Total domestic deposits to total assets | 92.8517% | 40 |
| Equity capital to assets | 6.6371% | 4,887 |
| Core capital (leverage) ratio | 6.4276% | 4,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8550% | 2,023 |
| Memoranda: | ||
| Average total assets | $79,112,333 | 4,306 |
| Average earning assets | $71,923,000 | 4,316 |
| Average equity | $5,231,667 | 4,703 |
| Average total loans | $45,769,000 | 4,158 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2003% | 3,690 |
| Cost of funding earning assets | 0.1113% | 4,575 |
| Net interest margin | 3.0890% | 3,026 |
| Noninterest income to average assets | 1.6120% | 538 |
| Noninterest expense to average assets | 3.8961% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4801% | 4,213 |
| Return on assets (ROA) | 0.4801% | 4,249 |
| Pretax return on assets | 0.5205% | 4,309 |
| Return on Equity (ROE) | 7.2727% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.2727% | 2,488 |
| Net charge-offs to loans | 0.2102% | 392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.2917% | 1,735 |
| Efficiency ratio | 88.2151% | 434 |
| Assets per employee ($millions) | 2.8688% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 4,505 |
| Loan loss allowance to noncurrent loans | 40.9364% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 786 |
| Noncurrent loans to loans | 1.8009% | 644 |
| Net loans and leases to total assets | 57.1590% | 2,888 |
| Net loans and leases to deposits | 61.6116% | 3,362 |
| Net loans and leases to core deposits | 61.6116% | 3,604 |
| Total domestic deposits to total assets | 92.7731% | 50 |
| Equity capital to assets | 6.5447% | 4,900 |
| Core capital (leverage) ratio | 6.3698% | 4,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9174% | 1,923 |
| Memoranda: | ||
| Average total assets | $79,155,500 | 4,318 |
| Average earning assets | $71,867,500 | 4,330 |
| Average equity | $5,225,000 | 4,725 |
| Average total loans | $45,681,000 | 4,176 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0057% | 2,705 |
| Cost of funding earning assets | 0.3268% | 3,995 |
| Net interest margin | 3.6790% | 1,876 |
| Noninterest income to average assets | 1.3142% | 668 |
| Noninterest expense to average assets | 4.1051% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4927% | 4,044 |
| Return on assets (ROA) | 0.5015% | 4,114 |
| Pretax return on assets | 0.5501% | 4,177 |
| Return on Equity (ROE) | 7.2070% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.2070% | 1,316 |
| Net charge-offs to loans | -0.0409% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3672% | 428 |
| Assets per employee ($millions) | 2.8884% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 4,407 |
| Loan loss allowance to noncurrent loans | 42.1478% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1771% | 750 |
| Noncurrent loans to loans | 1.9198% | 621 |
| Net loans and leases to total assets | 57.3731% | 3,154 |
| Net loans and leases to deposits | 61.9546% | 3,606 |
| Net loans and leases to core deposits | 61.9546% | 3,829 |
| Total domestic deposits to total assets | 92.6051% | 28 |
| Equity capital to assets | 6.6589% | 4,945 |
| Core capital (leverage) ratio | 6.6001% | 4,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6175% | 2,004 |
| Memoranda: | ||
| Average total assets | $71,983,400 | 4,354 |
| Average earning assets | $65,181,600 | 4,368 |
| Average equity | $5,009,000 | 4,751 |
| Average total loans | $46,505,800 | 4,174 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 2,771 |
| Cost of funding earning assets | 0.3668% | 3,965 |
| Net interest margin | 3.6993% | 1,944 |
| Noninterest income to average assets | 1.2409% | 709 |
| Noninterest expense to average assets | 4.0784% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5091% | 4,002 |
| Return on assets (ROA) | 0.5221% | 4,072 |
| Pretax return on assets | 0.5335% | 4,219 |
| Return on Equity (ROE) | 7.4147% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.4147% | 1,526 |
| Net charge-offs to loans | -0.0569% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6878% | 399 |
| Assets per employee ($millions) | 2.7843% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,403 |
| Loan loss allowance to noncurrent loans | 46.5057% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 936 |
| Noncurrent loans to loans | 1.6812% | 817 |
| Net loans and leases to total assets | 61.7838% | 3,033 |
| Net loans and leases to deposits | 66.5511% | 3,567 |
| Net loans and leases to core deposits | 66.8326% | 3,838 |
| Total domestic deposits to total assets | 92.8367% | 16 |
| Equity capital to assets | 6.8161% | 4,971 |
| Core capital (leverage) ratio | 6.6676% | 4,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8293% | 1,881 |
| Memoranda: | ||
| Average total assets | $70,482,750 | 4,384 |
| Average earning assets | $63,975,000 | 4,403 |
| Average equity | $4,963,000 | 4,783 |
| Average total loans | $46,855,250 | 4,190 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,778 |
| Cost of funding earning assets | 0.3952% | 4,054 |
| Net interest margin | 3.8007% | 1,835 |
| Noninterest income to average assets | 1.0476% | 904 |
| Noninterest expense to average assets | 3.9960% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5195% | 3,958 |
| Return on assets (ROA) | 0.5398% | 3,989 |
| Pretax return on assets | 0.5049% | 4,239 |
| Return on Equity (ROE) | 7.5774% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.5774% | 1,434 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1839% | 412 |
| Assets per employee ($millions) | 2.5326% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 4,482 |
| Loan loss allowance to noncurrent loans | 51.8741% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9790% | 1,229 |
| Noncurrent loans to loans | 1.4329% | 1,072 |
| Net loans and leases to total assets | 62.9061% | 3,021 |
| Net loans and leases to deposits | 68.1476% | 3,552 |
| Net loans and leases to core deposits | 68.4413% | 3,833 |
| Total domestic deposits to total assets | 92.3086% | 34 |
| Equity capital to assets | 6.8799% | 4,989 |
| Core capital (leverage) ratio | 6.9795% | 5,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5325% | 1,988 |
| Memoranda: | ||
| Average total assets | $68,918,667 | 4,415 |
| Average earning assets | $62,251,667 | 4,435 |
| Average equity | $4,909,333 | 4,815 |
| Average total loans | $46,869,667 | 4,195 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 2,666 |
| Cost of funding earning assets | 0.4621% | 4,105 |
| Net interest margin | 3.9242% | 1,597 |
| Noninterest income to average assets | 0.8041% | 1,299 |
| Noninterest expense to average assets | 4.3688% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0720% | 4,793 |
| Return on assets (ROA) | -0.0720% | 4,777 |
| Pretax return on assets | -0.0480% | 4,755 |
| Return on Equity (ROE) | -0.9922% | 4,800 |
| Retained earnings to average equity (ytd only) | -0.9922% | 4,137 |
| Net charge-offs to loans | 0.0085% | 2,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -8.0000% | 2,527 |
| Efficiency ratio | 101.1111% | 220 |
| Assets per employee ($millions) | 2.5009% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 4,501 |
| Loan loss allowance to noncurrent loans | 50.5848% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 933 |
| Noncurrent loans to loans | 1.4968% | 1,070 |
| Net loans and leases to total assets | 67.1643% | 2,683 |
| Net loans and leases to deposits | 72.7997% | 3,372 |
| Net loans and leases to core deposits | 73.1389% | 3,685 |
| Total domestic deposits to total assets | 92.2590% | 27 |
| Equity capital to assets | 7.1974% | 5,060 |
| Core capital (leverage) ratio | 7.0078% | 5,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6034% | 2,438 |
| Memoranda: | ||
| Average total assets | $66,655,000 | 4,457 |
| Average earning assets | $59,732,000 | 4,482 |
| Average equity | $4,837,500 | 4,858 |
| Average total loans | $47,030,500 | 4,204 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 2,436 |
| Cost of funding earning assets | 0.5031% | 4,081 |
| Net interest margin | 4.1564% | 1,408 |
| Noninterest income to average assets | 0.9813% | 1,013 |
| Noninterest expense to average assets | 4.4502% | 323 |
| Loan and lease loss provision to assets | -0.0827% | 5,059 |
| Net operating income to assets | 0.6736% | 3,943 |
| Return on assets (ROA) | 0.6751% | 4,006 |
| Pretax return on assets | 0.3337% | 4,786 |
| Return on Equity (ROE) | 9.5961% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.5961% | 570 |
| Net charge-offs to loans | 0.0168% | 3,115 |
| Credit loss provision to net charge-offs | -675.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | 20.3750% | 1,937 |
| Efficiency ratio | 94.6906% | 233 |
| Assets per employee ($millions) | 2.4365% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7154% | 4,548 |
| Loan loss allowance to noncurrent loans | 61.6756% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 1,076 |
| Noncurrent loans to loans | 1.1600% | 1,306 |
| Net loans and leases to total assets | 72.9897% | 1,924 |
| Net loans and leases to deposits | 81.5728% | 2,606 |
| Net loans and leases to core deposits | 81.9724% | 3,123 |
| Total domestic deposits to total assets | 89.4780% | 497 |
| Equity capital to assets | 7.3192% | 5,119 |
| Core capital (leverage) ratio | 7.2455% | 5,122 |
| Tier 1 risk-based capital ratio | 12.6741% | 3,963 |
| Total risk-based capital ratio | 13.6106% | 4,018 |
| Memoranda: | ||
| Average total assets | $65,322,600 | 4,515 |
| Average earning assets | $58,440,400 | 4,549 |
| Average equity | $4,595,600 | 4,932 |
| Average total loans | $47,578,800 | 4,228 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 2,441 |
| Cost of funding earning assets | 0.5084% | 4,109 |
| Net interest margin | 4.1837% | 1,410 |
| Noninterest income to average assets | 0.9426% | 1,057 |
| Noninterest expense to average assets | 4.4677% | 309 |
| Loan and lease loss provision to assets | -0.0859% | 5,149 |
| Net operating income to assets | 0.7116% | 3,975 |
| Return on assets (ROA) | 0.7136% | 4,040 |
| Pretax return on assets | 0.2985% | 4,908 |
| Return on Equity (ROE) | 10.2476% | 2,332 |
| Retained earnings to average equity (ytd only) | 10.2476% | 697 |
| Net charge-offs to loans | 0.0788% | 1,698 |
| Credit loss provision to net charge-offs | -150.0000% | 4,124 |
| Earnings coverage of net charge-offs (x) | 3.6788% | 3,081 |
| Efficiency ratio | 95.4983% | 210 |
| Assets per employee ($millions) | 2.4036% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 4,607 |
| Loan loss allowance to noncurrent loans | 58.5789% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 926 |
| Noncurrent loans to loans | 1.2296% | 1,268 |
| Net loans and leases to total assets | 71.7880% | 2,205 |
| Net loans and leases to deposits | 77.7027% | 3,132 |
| Net loans and leases to core deposits | 78.0725% | 3,545 |
| Total domestic deposits to total assets | 92.3881% | 22 |
| Equity capital to assets | 7.2668% | 5,200 |
| Core capital (leverage) ratio | 6.9792% | 5,220 |
| Tier 1 risk-based capital ratio | 12.7083% | 4,026 |
| Total risk-based capital ratio | 13.6346% | 4,087 |
| Memoranda: | ||
| Average total assets | $65,206,750 | 4,567 |
| Average earning assets | $58,225,000 | 4,607 |
| Average equity | $4,540,750 | 5,001 |
| Average total loans | $47,382,750 | 4,285 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 2,525 |
| Cost of funding earning assets | 0.5203% | 4,033 |
| Net interest margin | 4.1284% | 1,526 |
| Noninterest income to average assets | 1.0320% | 818 |
| Noninterest expense to average assets | 4.4251% | 326 |
| Loan and lease loss provision to assets | -0.0612% | 5,187 |
| Net operating income to assets | 0.9218% | 3,204 |
| Return on assets (ROA) | 0.9248% | 3,249 |
| Pretax return on assets | 0.3644% | 4,873 |
| Return on Equity (ROE) | 13.4751% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.4751% | 258 |
| Net charge-offs to loans | 0.1431% | 1,080 |
| Credit loss provision to net charge-offs | -58.8235% | 3,839 |
| Earnings coverage of net charge-offs (x) | 2.8824% | 2,897 |
| Efficiency ratio | 93.6487% | 240 |
| Assets per employee ($millions) | 2.3498% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 4,580 |
| Loan loss allowance to noncurrent loans | 66.4165% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2539% | 1,044 |
| Noncurrent loans to loans | 1.1455% | 1,417 |
| Net loans and leases to total assets | 70.1853% | 2,506 |
| Net loans and leases to deposits | 76.1569% | 3,314 |
| Net loans and leases to core deposits | 76.5128% | 3,681 |
| Total domestic deposits to total assets | 92.1587% | 32 |
| Equity capital to assets | 7.1071% | 5,258 |
| Core capital (leverage) ratio | 6.5518% | 5,280 |
| Tier 1 risk-based capital ratio | 11.9784% | 4,430 |
| Total risk-based capital ratio | 12.9231% | 4,494 |
| Memoranda: | ||
| Average total assets | $65,309,670 | 4,603 |
| Average earning assets | $58,425,000 | 4,635 |
| Average equity | $4,482,330 | 5,045 |
| Average total loans | $47,534,670 | 4,313 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 2,267 |
| Cost of funding earning assets | 0.5093% | 4,018 |
| Net interest margin | 4.1776% | 1,353 |
| Noninterest income to average assets | 1.2172% | 548 |
| Noninterest expense to average assets | 4.4630% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4918% | 4,545 |
| Return on assets (ROA) | 0.4918% | 4,565 |
| Pretax return on assets | 0.4856% | 4,719 |
| Return on Equity (ROE) | 7.2968% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.2968% | 1,932 |
| Net charge-offs to loans | 0.2831% | 524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.3235% | 2,504 |
| Efficiency ratio | 90.1863% | 386 |
| Assets per employee ($millions) | 2.4347% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,562 |
| Loan loss allowance to noncurrent loans | 82.1978% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1668% | 1,158 |
| Noncurrent loans to loans | 0.9569% | 1,749 |
| Net loans and leases to total assets | 71.7643% | 2,207 |
| Net loans and leases to deposits | 77.2474% | 3,136 |
| Net loans and leases to core deposits | 77.6032% | 3,549 |
| Total domestic deposits to total assets | 92.9019% | 25 |
| Equity capital to assets | 6.7406% | 5,321 |
| Core capital (leverage) ratio | 6.1392% | 5,341 |
| Tier 1 risk-based capital ratio | 11.4764% | 4,758 |
| Total risk-based capital ratio | 12.4679% | 4,786 |
| Memoranda: | ||
| Average total assets | $65,068,000 | 4,656 |
| Average earning assets | $58,119,000 | 4,690 |
| Average equity | $4,385,500 | 5,103 |
| Average total loans | $48,036,500 | 4,352 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 2,341 |
| Cost of funding earning assets | 0.3011% | 4,568 |
| Net interest margin | 4.2362% | 1,309 |
| Noninterest income to average assets | 0.9824% | 978 |
| Noninterest expense to average assets | 4.5561% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1571% | 5,139 |
| Return on assets (ROA) | 0.1571% | 5,132 |
| Pretax return on assets | 0.1740% | 5,134 |
| Return on Equity (ROE) | 2.3731% | 4,994 |
| Retained earnings to average equity (ytd only) | 2.3731% | 4,191 |
| Net charge-offs to loans | -0.0497% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3216% | 206 |
| Assets per employee ($millions) | 2.5760% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,391 |
| Loan loss allowance to noncurrent loans | 62.5767% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4410% | 824 |
| Noncurrent loans to loans | 1.3437% | 1,166 |
| Net loans and leases to total assets | 74.7143% | 1,808 |
| Net loans and leases to deposits | 80.4508% | 2,901 |
| Net loans and leases to core deposits | 80.8251% | 3,364 |
| Total domestic deposits to total assets | 92.8696% | 40 |
| Equity capital to assets | 6.7391% | 5,349 |
| Core capital (leverage) ratio | 6.3316% | 5,378 |
| Tier 1 risk-based capital ratio | 11.2178% | 4,855 |
| Total risk-based capital ratio | 12.3003% | 4,846 |
| Memoranda: | ||
| Average total assets | $64,946,200 | 4,677 |
| Average earning assets | $57,457,200 | 4,722 |
| Average equity | $4,298,200 | 5,139 |
| Average total loans | $48,305,800 | 4,345 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 2,316 |
| Cost of funding earning assets | 0.2918% | 4,579 |
| Net interest margin | 4.2053% | 1,348 |
| Noninterest income to average assets | 1.1411% | 723 |
| Noninterest expense to average assets | 4.6483% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1967% | 5,196 |
| Return on assets (ROA) | 0.1967% | 5,191 |
| Pretax return on assets | 0.2131% | 5,197 |
| Return on Equity (ROE) | 2.9852% | 5,007 |
| Retained earnings to average equity (ytd only) | 2.9852% | 4,243 |
| Net charge-offs to loans | -0.0691% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6174% | 208 |
| Assets per employee ($millions) | 2.6265% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,446 |
| Loan loss allowance to noncurrent loans | 45.2434% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.1458% | 475 |
| Noncurrent loans to loans | 1.8868% | 801 |
| Net loans and leases to total assets | 72.3452% | 2,283 |
| Net loans and leases to deposits | 77.9751% | 3,243 |
| Net loans and leases to core deposits | 77.9751% | 3,655 |
| Total domestic deposits to total assets | 92.7798% | 46 |
| Equity capital to assets | 6.5730% | 5,422 |
| Core capital (leverage) ratio | 6.3231% | 5,449 |
| Tier 1 risk-based capital ratio | 11.0206% | 5,029 |
| Total risk-based capital ratio | 12.0821% | 5,019 |
| Memoranda: | ||
| Average total assets | $65,082,750 | 4,721 |
| Average earning assets | $57,577,250 | 4,771 |
| Average equity | $4,287,750 | 5,208 |
| Average total loans | $48,251,250 | 4,395 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 2,279 |
| Cost of funding earning assets | 0.2895% | 4,501 |
| Net interest margin | 4.1541% | 1,399 |
| Noninterest income to average assets | 1.2452% | 623 |
| Noninterest expense to average assets | 4.6941% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2065% | 5,224 |
| Return on assets (ROA) | 0.2065% | 5,216 |
| Pretax return on assets | 0.2219% | 5,224 |
| Return on Equity (ROE) | 3.1321% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.1321% | 3,999 |
| Net charge-offs to loans | -0.1034% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4859% | 229 |
| Assets per employee ($millions) | 2.4275% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,465 |
| Loan loss allowance to noncurrent loans | 54.7523% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.0724% | 502 |
| Noncurrent loans to loans | 1.5905% | 1,022 |
| Net loans and leases to total assets | 73.7653% | 1,986 |
| Net loans and leases to deposits | 80.0967% | 2,933 |
| Net loans and leases to core deposits | 80.0967% | 3,412 |
| Total domestic deposits to total assets | 92.0954% | 81 |
| Equity capital to assets | 6.8050% | 5,464 |
| Core capital (leverage) ratio | 6.3882% | 5,506 |
| Tier 1 risk-based capital ratio | 11.1500% | 4,968 |
| Total risk-based capital ratio | 12.2332% | 4,958 |
| Memoranda: | ||
| Average total assets | $64,889,330 | 4,776 |
| Average earning assets | $57,340,670 | 4,829 |
| Average equity | $4,278,330 | 5,264 |
| Average total loans | $48,364,000 | 4,432 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,186 |
| Cost of funding earning assets | 0.2968% | 4,376 |
| Net interest margin | 4.1063% | 1,419 |
| Noninterest income to average assets | 1.2588% | 586 |
| Noninterest expense to average assets | 4.6035% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2554% | 5,168 |
| Return on assets (ROA) | 0.2554% | 5,169 |
| Pretax return on assets | 0.2737% | 5,186 |
| Return on Equity (ROE) | 3.9344% | 4,776 |
| Retained earnings to average equity (ytd only) | 3.9344% | 3,618 |
| Net charge-offs to loans | -0.1957% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3890% | 288 |
| Assets per employee ($millions) | 2.5441% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 4,697 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.0727% | 537 |
| Noncurrent loans to loans | 1.5253% | 1,151 |
| Net loans and leases to total assets | 73.5181% | 1,943 |
| Net loans and leases to deposits | 78.9089% | 2,929 |
| Net loans and leases to core deposits | 78.9089% | 3,413 |
| Total domestic deposits to total assets | 93.1682% | 34 |
| Equity capital to assets | 6.4674% | 5,543 |
| Core capital (leverage) ratio | 6.2642% | 5,567 |
| Tier 1 risk-based capital ratio | 10.5324% | 5,343 |
| Total risk-based capital ratio | 11.5590% | 5,334 |
| Memoranda: | ||
| Average total assets | $65,776,500 | 4,821 |
| Average earning assets | $57,959,500 | 4,877 |
| Average equity | $4,270,000 | 5,320 |
| Average total loans | $49,063,000 | 4,467 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,221 |
| Cost of funding earning assets | 0.3522% | 3,697 |
| Net interest margin | 3.9828% | 1,801 |
| Noninterest income to average assets | 0.9518% | 1,136 |
| Noninterest expense to average assets | 4.3644% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0852% | 5,273 |
| Return on assets (ROA) | 0.0583% | 5,306 |
| Pretax return on assets | 0.0583% | 5,402 |
| Return on Equity (ROE) | 0.9122% | 5,241 |
| Retained earnings to average equity (ytd only) | 0.9122% | 4,656 |
| Net charge-offs to loans | 0.0464% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.4783% | 3,737 |
| Efficiency ratio | 98.0860% | 203 |
| Assets per employee ($millions) | 2.5156% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 4,878 |
| Loan loss allowance to noncurrent loans | 44.9649% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.0503% | 542 |
| Noncurrent loans to loans | 1.7397% | 929 |
| Net loans and leases to total assets | 74.4641% | 1,842 |
| Net loans and leases to deposits | 80.1356% | 2,902 |
| Net loans and leases to core deposits | 80.1356% | 3,409 |
| Total domestic deposits to total assets | 92.9227% | 35 |
| Equity capital to assets | 6.5162% | 5,614 |
| Core capital (leverage) ratio | 6.3394% | 5,624 |
| Tier 1 risk-based capital ratio | 10.6225% | 5,329 |
| Total risk-based capital ratio | 11.6049% | 5,344 |
| Memoranda: | ||
| Average total assets | $66,928,400 | 4,826 |
| Average earning assets | $58,777,200 | 4,886 |
| Average equity | $4,275,600 | 5,381 |
| Average total loans | $49,607,800 | 4,467 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 2,070 |
| Cost of funding earning assets | 0.3724% | 3,442 |
| Net interest margin | 3.9899% | 1,731 |
| Noninterest income to average assets | 1.3232% | 601 |
| Noninterest expense to average assets | 4.3856% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4225% | 4,950 |
| Return on assets (ROA) | 0.3883% | 5,052 |
| Pretax return on assets | 0.4041% | 5,181 |
| Return on Equity (ROE) | 6.1073% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.1073% | 2,169 |
| Net charge-offs to loans | 0.1608% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.6999% | 3,307 |
| Efficiency ratio | 90.8867% | 377 |
| Assets per employee ($millions) | 2.5185% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 5,131 |
| Loan loss allowance to noncurrent loans | 28.2114% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.6497% | 383 |
| Noncurrent loans to loans | 2.4959% | 615 |
| Net loans and leases to total assets | 74.7297% | 1,800 |
| Net loans and leases to deposits | 80.4859% | 2,922 |
| Net loans and leases to core deposits | 80.4859% | 3,415 |
| Total domestic deposits to total assets | 92.8482% | 28 |
| Equity capital to assets | 6.7563% | 5,679 |
| Core capital (leverage) ratio | 6.4464% | 5,684 |
| Tier 1 risk-based capital ratio | 11.2981% | 5,075 |
| Total risk-based capital ratio | 12.2115% | 5,159 |
| Memoranda: | ||
| Average total assets | $67,309,000 | 4,876 |
| Average earning assets | $59,081,000 | 4,934 |
| Average equity | $4,279,000 | 5,440 |
| Average total loans | $49,737,750 | 4,509 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,094 |
| Cost of funding earning assets | 0.4147% | 2,934 |
| Net interest margin | 3.8944% | 1,950 |
| Noninterest income to average assets | 1.0984% | 829 |
| Noninterest expense to average assets | 4.4200% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0457% | 5,530 |
| Return on assets (ROA) | 0.0118% | 5,547 |
| Pretax return on assets | 0.0265% | 5,540 |
| Return on Equity (ROE) | 0.1891% | 5,543 |
| Retained earnings to average equity (ytd only) | 0.1891% | 5,030 |
| Net charge-offs to loans | 0.0802% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.3500% | 3,291 |
| Efficiency ratio | 98.2330% | 214 |
| Assets per employee ($millions) | 2.5832% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 4,980 |
| Loan loss allowance to noncurrent loans | 32.7134% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.6592% | 383 |
| Noncurrent loans to loans | 2.4089% | 645 |
| Net loans and leases to total assets | 72.5455% | 2,114 |
| Net loans and leases to deposits | 77.9556% | 3,120 |
| Net loans and leases to core deposits | 77.9556% | 3,603 |
| Total domestic deposits to total assets | 93.0601% | 24 |
| Equity capital to assets | 6.2997% | 5,738 |
| Core capital (leverage) ratio | 6.0746% | 5,741 |
| Tier 1 risk-based capital ratio | 10.4295% | 5,490 |
| Total risk-based capital ratio | 11.4135% | 5,527 |
| Memoranda: | ||
| Average total assets | $67,918,670 | 4,901 |
| Average earning assets | $59,316,670 | 4,968 |
| Average equity | $4,230,670 | 5,489 |
| Average total loans | $49,890,330 | 4,534 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 2,008 |
| Cost of funding earning assets | 0.4153% | 2,854 |
| Net interest margin | 3.8653% | 1,907 |
| Noninterest income to average assets | 1.0718% | 872 |
| Noninterest expense to average assets | 4.2520% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1656% | 5,438 |
| Return on assets (ROA) | 0.0879% | 5,536 |
| Pretax return on assets | 0.1054% | 5,509 |
| Return on Equity (ROE) | 1.4183% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.4183% | 4,534 |
| Net charge-offs to loans | 0.1512% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.7895% | 2,684 |
| Efficiency ratio | 95.5263% | 329 |
| Assets per employee ($millions) | 2.6816% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 5,121 |
| Loan loss allowance to noncurrent loans | 25.6784% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 3.1568% | 300 |
| Noncurrent loans to loans | 3.0225% | 455 |
| Net loans and leases to total assets | 71.1454% | 2,192 |
| Net loans and leases to deposits | 77.8713% | 2,987 |
| Net loans and leases to core deposits | 77.8713% | 3,480 |
| Total domestic deposits to total assets | 91.3628% | 198 |
| Equity capital to assets | 6.0799% | 5,807 |
| Core capital (leverage) ratio | 6.0058% | 5,805 |
| Tier 1 risk-based capital ratio | 10.4895% | 5,550 |
| Total risk-based capital ratio | 11.4740% | 5,587 |
| Memoranda: | ||
| Average total assets | $68,297,000 | 4,945 |
| Average earning assets | $59,711,500 | 5,009 |
| Average equity | $4,230,500 | 5,541 |
| Average total loans | $50,280,500 | 4,554 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,450 |
| Cost of funding earning assets | 0.4976% | 2,113 |
| Net interest margin | 3.7131% | 2,632 |
| Noninterest income to average assets | 0.9662% | 1,224 |
| Noninterest expense to average assets | 4.9343% | 266 |
| Loan and lease loss provision to assets | 0.0811% | 2,735 |
| Net operating income to assets | -0.8290% | 5,819 |
| Return on assets (ROA) | -0.8290% | 5,825 |
| Pretax return on assets | -0.8128% | 5,817 |
| Return on Equity (ROE) | -12.8357% | 5,850 |
| Retained earnings to average equity (ytd only) | -12.8357% | 5,810 |
| Net charge-offs to loans | 0.2240% | 1,240 |
| Credit loss provision to net charge-offs | 48.2456% | 3,403 |
| Earnings coverage of net charge-offs (x) | -4.3509% | 4,213 |
| Efficiency ratio | 117.4096% | 90 |
| Assets per employee ($millions) | 2.9075% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 5,093 |
| Loan loss allowance to noncurrent loans | 25.1545% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.4828% | 251 |
| Noncurrent loans to loans | 3.1996% | 399 |
| Net loans and leases to total assets | 75.0120% | 1,691 |
| Net loans and leases to deposits | 82.5372% | 2,604 |
| Net loans and leases to core deposits | 82.8809% | 3,137 |
| Total domestic deposits to total assets | 90.8826% | 317 |
| Equity capital to assets | 6.3136% | 5,843 |
| Core capital (leverage) ratio | 6.1443% | 5,853 |
| Tier 1 risk-based capital ratio | 10.7205% | 5,479 |
| Total risk-based capital ratio | 11.7829% | 5,492 |
| Memoranda: | ||
| Average total assets | $67,791,200 | 4,977 |
| Average earning assets | $59,088,600 | 5,045 |
| Average equity | $4,378,400 | 5,576 |
| Average total loans | $50,901,000 | 4,554 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 2,623 |
| Cost of funding earning assets | 0.5152% | 1,976 |
| Net interest margin | 3.6509% | 2,886 |
| Noninterest income to average assets | 0.7684% | 1,892 |
| Noninterest expense to average assets | 5.0493% | 257 |
| Loan and lease loss provision to assets | 0.1078% | 2,128 |
| Net operating income to assets | -1.2094% | 5,917 |
| Return on assets (ROA) | -1.2094% | 5,917 |
| Pretax return on assets | -1.1937% | 5,912 |
| Return on Equity (ROE) | -18.6225% | 5,941 |
| Retained earnings to average equity (ytd only) | -18.6225% | 5,909 |
| Net charge-offs to loans | 0.2354% | 999 |
| Credit loss provision to net charge-offs | 61.1111% | 2,896 |
| Earnings coverage of net charge-offs (x) | -6.1554% | 3,905 |
| Efficiency ratio | 127.3986% | 63 |
| Assets per employee ($millions) | 2.5887% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 5,018 |
| Loan loss allowance to noncurrent loans | 25.3380% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 3.6282% | 262 |
| Noncurrent loans to loans | 3.3759% | 398 |
| Net loans and leases to total assets | 74.2211% | 1,832 |
| Net loans and leases to deposits | 81.3669% | 2,812 |
| Net loans and leases to core deposits | 82.0403% | 3,280 |
| Total domestic deposits to total assets | 91.2179% | 156 |
| Equity capital to assets | 6.2178% | 5,927 |
| Core capital (leverage) ratio | 6.0128% | 5,927 |
| Tier 1 risk-based capital ratio | 10.7134% | 5,517 |
| Total risk-based capital ratio | 11.8503% | 5,491 |
| Memoranda: | ||
| Average total assets | $68,021,000 | 5,022 |
| Average earning assets | $59,527,500 | 5,078 |
| Average equity | $4,417,500 | 5,631 |
| Average total loans | $50,984,000 | 4,585 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 2,758 |
| Cost of funding earning assets | 0.5444% | 1,744 |
| Net interest margin | 3.5821% | 3,168 |
| Noninterest income to average assets | 0.5479% | 2,910 |
| Noninterest expense to average assets | 5.2213% | 239 |
| Loan and lease loss provision to assets | 0.1612% | 1,408 |
| Net operating income to assets | -1.7258% | 6,005 |
| Return on assets (ROA) | -1.7258% | 6,005 |
| Pretax return on assets | -1.7111% | 6,002 |
| Return on Equity (ROE) | -26.2069% | 6,021 |
| Retained earnings to average equity (ytd only) | -26.2069% | 5,995 |
| Net charge-offs to loans | 0.3400% | 693 |
| Credit loss provision to net charge-offs | 63.2184% | 2,541 |
| Earnings coverage of net charge-offs (x) | -6.0805% | 3,634 |
| Efficiency ratio | 142.2187% | 48 |
| Assets per employee ($millions) | 2.5807% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 5,070 |
| Loan loss allowance to noncurrent loans | 28.1818% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 3.6634% | 276 |
| Noncurrent loans to loans | 3.0735% | 475 |
| Net loans and leases to total assets | 74.0301% | 1,832 |
| Net loans and leases to deposits | 81.4375% | 2,766 |
| Net loans and leases to core deposits | 82.1133% | 3,259 |
| Total domestic deposits to total assets | 90.9042% | 209 |
| Equity capital to assets | 6.2894% | 6,001 |
| Core capital (leverage) ratio | 6.0862% | 6,003 |
| Tier 1 risk-based capital ratio | 10.8990% | 5,480 |
| Total risk-based capital ratio | 12.0542% | 5,447 |
| Memoranda: | ||
| Average total assets | $68,259,000 | 5,062 |
| Average earning assets | $59,518,000 | 5,128 |
| Average equity | $4,495,000 | 5,677 |
| Average total loans | $51,183,000 | 4,608 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,084 |
| Cost of funding earning assets | 0.5724% | 1,529 |
| Net interest margin | 3.7405% | 2,521 |
| Noninterest income to average assets | 0.4648% | 3,380 |
| Noninterest expense to average assets | 5.1947% | 246 |
| Loan and lease loss provision to assets | 0.2673% | 631 |
| Net operating income to assets | -1.7432% | 6,068 |
| Return on assets (ROA) | -1.7432% | 6,068 |
| Pretax return on assets | -1.7316% | 6,066 |
| Return on Equity (ROE) | -25.9039% | 6,081 |
| Retained earnings to average equity (ytd only) | -25.9039% | 6,007 |
| Net charge-offs to loans | 0.7424% | 281 |
| Credit loss provision to net charge-offs | 47.9167% | 2,068 |
| Earnings coverage of net charge-offs (x) | -2.6250% | 3,026 |
| Efficiency ratio | 139.2523% | 54 |
| Assets per employee ($millions) | 2.7646% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 5,317 |
| Loan loss allowance to noncurrent loans | 31.2312% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 3.7300% | 283 |
| Noncurrent loans to loans | 2.6201% | 692 |
| Net loans and leases to total assets | 72.9523% | 1,891 |
| Net loans and leases to deposits | 80.1236% | 2,778 |
| Net loans and leases to core deposits | 80.7666% | 3,257 |
| Total domestic deposits to total assets | 91.0497% | 257 |
| Equity capital to assets | 6.5051% | 6,044 |
| Core capital (leverage) ratio | 6.3080% | 6,048 |
| Tier 1 risk-based capital ratio | 11.3006% | 5,342 |
| Total risk-based capital ratio | 12.3765% | 5,344 |
| Memoranda: | ||
| Average total assets | $68,840,000 | 5,097 |
| Average earning assets | $60,099,000 | 5,155 |
| Average equity | $4,632,500 | 5,698 |
| Average total loans | $51,721,500 | 4,621 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 1,560 |
| Cost of funding earning assets | 0.5771% | 1,530 |
| Net interest margin | 3.9328% | 1,924 |
| Noninterest income to average assets | 1.0446% | 1,084 |
| Noninterest expense to average assets | 4.4049% | 434 |
| Loan and lease loss provision to assets | 0.1656% | 1,387 |
| Net operating income to assets | -0.1076% | 5,926 |
| Return on assets (ROA) | -0.1076% | 5,947 |
| Pretax return on assets | -0.0920% | 5,928 |
| Return on Equity (ROE) | -1.5787% | 5,963 |
| Retained earnings to average equity (ytd only) | -1.5787% | 5,722 |
| Net charge-offs to loans | 0.1845% | 1,560 |
| Credit loss provision to net charge-offs | 117.0000% | 2,195 |
| Earnings coverage of net charge-offs (x) | 0.5200% | 4,215 |
| Efficiency ratio | 98.3565% | 329 |
| Assets per employee ($millions) | 2.7426% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 5,132 |
| Loan loss allowance to noncurrent loans | 27.5251% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 4.1056% | 253 |
| Noncurrent loans to loans | 3.2183% | 471 |
| Net loans and leases to total assets | 76.0446% | 1,411 |
| Net loans and leases to deposits | 87.6052% | 1,926 |
| Net loans and leases to core deposits | 87.9762% | 2,605 |
| Total domestic deposits to total assets | 86.8038% | 2,236 |
| Equity capital to assets | 6.9554% | 6,064 |
| Core capital (leverage) ratio | 6.7703% | 6,071 |
| Tier 1 risk-based capital ratio | 11.7456% | 5,104 |
| Total risk-based capital ratio | 12.9551% | 5,050 |
| Memoranda: | ||
| Average total assets | $70,648,400 | 5,079 |
| Average earning assets | $61,685,800 | 5,138 |
| Average equity | $4,814,200 | 5,694 |
| Average total loans | $54,186,000 | 4,553 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 1,426 |
| Cost of funding earning assets | 0.5791% | 1,552 |
| Net interest margin | 3.9850% | 1,746 |
| Noninterest income to average assets | 1.0960% | 1,003 |
| Noninterest expense to average assets | 4.4025% | 438 |
| Loan and lease loss provision to assets | 0.2192% | 869 |
| Net operating income to assets | -0.0600% | 5,971 |
| Return on assets (ROA) | -0.0600% | 6,004 |
| Pretax return on assets | -0.0450% | 5,993 |
| Return on Equity (ROE) | -0.8843% | 6,021 |
| Retained earnings to average equity (ytd only) | -0.8843% | 5,747 |
| Net charge-offs to loans | 0.1099% | 2,024 |
| Credit loss provision to net charge-offs | 260.0000% | 1,101 |
| Earnings coverage of net charge-offs (x) | 2.0667% | 3,735 |
| Efficiency ratio | 96.1932% | 413 |
| Assets per employee ($millions) | 2.9513% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 4,866 |
| Loan loss allowance to noncurrent loans | 28.5323% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 4.3555% | 259 |
| Noncurrent loans to loans | 3.4170% | 470 |
| Net loans and leases to total assets | 74.7113% | 1,605 |
| Net loans and leases to deposits | 87.2759% | 1,997 |
| Net loans and leases to core deposits | 87.6387% | 2,693 |
| Total domestic deposits to total assets | 85.6036% | 2,737 |
| Equity capital to assets | 6.8107% | 6,163 |
| Core capital (leverage) ratio | 6.7287% | 6,156 |
| Tier 1 risk-based capital ratio | 11.6348% | 5,301 |
| Total risk-based capital ratio | 12.8870% | 5,223 |
| Memoranda: | ||
| Average total assets | $71,169,250 | 5,125 |
| Average earning assets | $62,164,750 | 5,191 |
| Average equity | $4,825,500 | 5,766 |
| Average total loans | $54,581,000 | 4,587 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 1,248 |
| Cost of funding earning assets | 0.5740% | 1,616 |
| Net interest margin | 4.0406% | 1,522 |
| Noninterest income to average assets | 1.2738% | 753 |
| Noninterest expense to average assets | 4.5818% | 390 |
| Loan and lease loss provision to assets | 0.3002% | 514 |
| Net operating income to assets | -0.0870% | 6,044 |
| Return on assets (ROA) | -0.0870% | 6,069 |
| Pretax return on assets | -0.0729% | 6,056 |
| Return on Equity (ROE) | -1.2847% | 6,097 |
| Retained earnings to average equity (ytd only) | -1.2847% | 5,738 |
| Net charge-offs to loans | 0.0691% | 2,407 |
| Credit loss provision to net charge-offs | 563.1579% | 579 |
| Earnings coverage of net charge-offs (x) | 4.2632% | 3,069 |
| Efficiency ratio | 95.2742% | 471 |
| Assets per employee ($millions) | 3.0576% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 4,916 |
| Loan loss allowance to noncurrent loans | 33.3748% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 3.8493% | 353 |
| Noncurrent loans to loans | 2.9670% | 673 |
| Net loans and leases to total assets | 76.3484% | 1,327 |
| Net loans and leases to deposits | 90.2675% | 1,565 |
| Net loans and leases to core deposits | 90.6500% | 2,278 |
| Total domestic deposits to total assets | 84.5802% | 3,306 |
| Equity capital to assets | 6.8383% | 6,216 |
| Core capital (leverage) ratio | 6.6097% | 6,232 |
| Tier 1 risk-based capital ratio | 11.6171% | 5,396 |
| Total risk-based capital ratio | 12.8715% | 5,307 |
| Memoranda: | ||
| Average total assets | $71,282,330 | 5,176 |
| Average earning assets | $62,367,000 | 5,244 |
| Average equity | $4,826,000 | 5,827 |
| Average total loans | $54,961,670 | 4,616 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 1,069 |
| Cost of funding earning assets | 0.5772% | 1,601 |
| Net interest margin | 4.1037% | 1,263 |
| Noninterest income to average assets | 0.9634% | 1,206 |
| Noninterest expense to average assets | 4.2544% | 521 |
| Loan and lease loss provision to assets | 0.4789% | 222 |
| Net operating income to assets | -0.1838% | 6,139 |
| Return on assets (ROA) | -0.1838% | 6,161 |
| Pretax return on assets | -0.1671% | 6,144 |
| Return on Equity (ROE) | -2.6911% | 6,206 |
| Retained earnings to average equity (ytd only) | -2.6911% | 5,766 |
| Net charge-offs to loans | 0.1156% | 1,596 |
| Credit loss provision to net charge-offs | 537.5000% | 509 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,598 |
| Efficiency ratio | 93.1707% | 636 |
| Assets per employee ($millions) | 3.1711% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 5,380 |
| Loan loss allowance to noncurrent loans | 35.0487% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 3.6471% | 442 |
| Noncurrent loans to loans | 2.6205% | 909 |
| Net loans and leases to total assets | 74.5472% | 1,420 |
| Net loans and leases to deposits | 89.1167% | 1,489 |
| Net loans and leases to core deposits | 89.4849% | 2,177 |
| Total domestic deposits to total assets | 83.6512% | 3,955 |
| Equity capital to assets | 6.7128% | 6,288 |
| Core capital (leverage) ratio | 6.6570% | 6,276 |
| Tier 1 risk-based capital ratio | 11.8349% | 5,345 |
| Total risk-based capital ratio | 13.0848% | 5,240 |
| Memoranda: | ||
| Average total assets | $71,831,500 | 5,202 |
| Average earning assets | $63,065,500 | 5,274 |
| Average equity | $4,905,000 | 5,856 |
| Average total loans | $55,383,500 | 4,630 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 1,756 |
| Cost of funding earning assets | 0.6089% | 1,693 |
| Net interest margin | 3.9225% | 2,150 |
| Noninterest income to average assets | 0.9892% | 1,237 |
| Noninterest expense to average assets | 4.2956% | 545 |
| Loan and lease loss provision to assets | 0.3723% | 499 |
| Net operating income to assets | -0.2584% | 6,225 |
| Return on assets (ROA) | -0.2584% | 6,226 |
| Pretax return on assets | -0.2334% | 6,210 |
| Return on Equity (ROE) | -3.7514% | 6,265 |
| Retained earnings to average equity (ytd only) | -3.7514% | 6,126 |
| Net charge-offs to loans | 0.3824% | 1,120 |
| Credit loss provision to net charge-offs | 123.5023% | 1,939 |
| Earnings coverage of net charge-offs (x) | 0.4608% | 4,636 |
| Efficiency ratio | 96.8672% | 474 |
| Assets per employee ($millions) | 2.9470% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 5,836 |
| Loan loss allowance to noncurrent loans | 23.5103% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 3.9815% | 422 |
| Noncurrent loans to loans | 3.3028% | 643 |
| Net loans and leases to total assets | 78.4102% | 950 |
| Net loans and leases to deposits | 94.2010% | 1,061 |
| Net loans and leases to core deposits | 94.6027% | 1,857 |
| Total domestic deposits to total assets | 83.2372% | 3,997 |
| Equity capital to assets | 6.9477% | 6,337 |
| Core capital (leverage) ratio | 6.8337% | 6,336 |
| Tier 1 risk-based capital ratio | 11.5781% | 5,620 |
| Total risk-based capital ratio | 12.6553% | 5,636 |
| Memoranda: | ||
| Average total assets | $71,980,400 | 5,229 |
| Average earning assets | $63,225,400 | 5,303 |
| Average equity | $4,958,200 | 5,862 |
| Average total loans | $56,740,400 | 4,591 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 1,832 |
| Cost of funding earning assets | 0.6233% | 1,655 |
| Net interest margin | 3.8868% | 2,296 |
| Noninterest income to average assets | 1.0807% | 1,040 |
| Noninterest expense to average assets | 4.3617% | 530 |
| Loan and lease loss provision to assets | 0.2969% | 666 |
| Net operating income to assets | -0.1918% | 6,262 |
| Return on assets (ROA) | -0.1918% | 6,269 |
| Pretax return on assets | -0.1623% | 6,241 |
| Return on Equity (ROE) | -2.7904% | 6,310 |
| Retained earnings to average equity (ytd only) | -2.7904% | 6,127 |
| Net charge-offs to loans | 0.2130% | 1,761 |
| Credit loss provision to net charge-offs | 176.9231% | 1,410 |
| Earnings coverage of net charge-offs (x) | 0.8022% | 4,316 |
| Efficiency ratio | 95.4061% | 526 |
| Assets per employee ($millions) | 2.5372% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 5,874 |
| Loan loss allowance to noncurrent loans | 16.8590% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 5.1787% | 316 |
| Noncurrent loans to loans | 4.7409% | 400 |
| Net loans and leases to total assets | 79.1430% | 818 |
| Net loans and leases to deposits | 90.5626% | 1,371 |
| Net loans and leases to core deposits | 90.9303% | 2,128 |
| Total domestic deposits to total assets | 87.3904% | 2,095 |
| Equity capital to assets | 7.0044% | 6,381 |
| Core capital (leverage) ratio | 6.9205% | 6,390 |
| Tier 1 risk-based capital ratio | 11.5110% | 5,785 |
| Total risk-based capital ratio | 12.5733% | 5,803 |
| Memoranda: | ||
| Average total assets | $72,293,500 | 5,281 |
| Average earning assets | $63,529,000 | 5,356 |
| Average equity | $4,969,250 | 5,923 |
| Average total loans | $56,952,500 | 4,628 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 1,771 |
| Cost of funding earning assets | 0.6305% | 1,645 |
| Net interest margin | 3.8896% | 2,213 |
| Noninterest income to average assets | 1.0012% | 1,192 |
| Noninterest expense to average assets | 4.5688% | 419 |
| Loan and lease loss provision to assets | 0.3191% | 601 |
| Net operating income to assets | -0.4924% | 6,435 |
| Return on assets (ROA) | -0.4924% | 6,435 |
| Pretax return on assets | -0.4759% | 6,410 |
| Return on Equity (ROE) | -7.2076% | 6,482 |
| Retained earnings to average equity (ytd only) | -7.2076% | 6,348 |
| Net charge-offs to loans | 0.1998% | 1,830 |
| Credit loss provision to net charge-offs | 203.5088% | 1,150 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 4,206 |
| Efficiency ratio | 101.1222% | 378 |
| Assets per employee ($millions) | 2.5686% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 6,038 |
| Loan loss allowance to noncurrent loans | 16.1137% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 4.8471% | 380 |
| Noncurrent loans to loans | 4.8068% | 433 |
| Net loans and leases to total assets | 78.7305% | 824 |
| Net loans and leases to deposits | 90.8395% | 1,287 |
| Net loans and leases to core deposits | 91.2068% | 2,007 |
| Total domestic deposits to total assets | 86.6699% | 2,655 |
| Equity capital to assets | 6.8201% | 6,468 |
| Core capital (leverage) ratio | 6.7328% | 6,474 |
| Tier 1 risk-based capital ratio | 11.2150% | 5,946 |
| Total risk-based capital ratio | 12.2402% | 5,999 |
| Memoranda: | ||
| Average total assets | $72,711,000 | 5,320 |
| Average earning assets | $63,760,330 | 5,392 |
| Average equity | $4,967,000 | 5,962 |
| Average total loans | $57,044,330 | 4,654 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,705 |
| Cost of funding earning assets | 0.6598% | 1,516 |
| Net interest margin | 3.8715% | 2,190 |
| Noninterest income to average assets | 0.9739% | 1,188 |
| Noninterest expense to average assets | 4.5796% | 423 |
| Loan and lease loss provision to assets | 0.3392% | 527 |
| Net operating income to assets | -0.5581% | 6,495 |
| Return on assets (ROA) | -0.5581% | 6,491 |
| Pretax return on assets | -0.5417% | 6,465 |
| Return on Equity (ROE) | -8.1633% | 6,535 |
| Retained earnings to average equity (ytd only) | -8.1633% | 6,293 |
| Net charge-offs to loans | 0.4068% | 891 |
| Credit loss provision to net charge-offs | 106.8966% | 1,573 |
| Earnings coverage of net charge-offs (x) | -0.6379% | 3,492 |
| Efficiency ratio | 102.6250% | 407 |
| Assets per employee ($millions) | 2.7837% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 6,316 |
| Loan loss allowance to noncurrent loans | 18.6326% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 3.7519% | 670 |
| Noncurrent loans to loans | 3.5799% | 803 |
| Net loans and leases to total assets | 76.6781% | 923 |
| Net loans and leases to deposits | 84.4264% | 1,782 |
| Net loans and leases to core deposits | 84.7380% | 2,440 |
| Total domestic deposits to total assets | 90.8224% | 633 |
| Equity capital to assets | 6.5912% | 6,510 |
| Core capital (leverage) ratio | 6.5446% | 6,535 |
| Tier 1 risk-based capital ratio | 11.4582% | 5,940 |
| Total risk-based capital ratio | 12.3609% | 6,062 |
| Memoranda: | ||
| Average total assets | $73,106,500 | 5,365 |
| Average earning assets | $64,264,000 | 5,430 |
| Average equity | $4,998,000 | 5,998 |
| Average total loans | $57,034,000 | 4,682 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,511 |
| Cost of funding earning assets | 0.7378% | 1,576 |
| Net interest margin | 3.9839% | 1,997 |
| Noninterest income to average assets | 1.0212% | 1,341 |
| Noninterest expense to average assets | 4.2410% | 672 |
| Loan and lease loss provision to assets | 0.5079% | 549 |
| Net operating income to assets | -0.1552% | 6,342 |
| Return on assets (ROA) | -0.1451% | 6,352 |
| Pretax return on assets | -0.2163% | 6,362 |
| Return on Equity (ROE) | -2.0456% | 6,382 |
| Retained earnings to average equity (ytd only) | -2.0456% | 6,180 |
| Net charge-offs to loans | 0.9235% | 658 |
| Credit loss provision to net charge-offs | 71.0728% | 3,279 |
| Earnings coverage of net charge-offs (x) | 0.3870% | 4,949 |
| Efficiency ratio | 93.8788% | 758 |
| Assets per employee ($millions) | 2.2920% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6833% | 6,364 |
| Loan loss allowance to noncurrent loans | 35.1699% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 2.9035% | 1,101 |
| Noncurrent loans to loans | 1.9429% | 2,054 |
| Net loans and leases to total assets | 78.3454% | 780 |
| Net loans and leases to deposits | 86.8614% | 1,590 |
| Net loans and leases to core deposits | 86.8614% | 2,363 |
| Total domestic deposits to total assets | 90.1959% | 970 |
| Equity capital to assets | 7.0962% | 6,434 |
| Core capital (leverage) ratio | 7.0956% | 6,505 |
| Tier 1 risk-based capital ratio | 12.1123% | 5,550 |
| Total risk-based capital ratio | 13.0339% | 5,682 |
| Memoranda: | ||
| Average total assets | $73,048,600 | 5,391 |
| Average earning assets | $64,108,000 | 5,464 |
| Average equity | $5,181,800 | 6,026 |
| Average total loans | $56,525,800 | 4,730 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 1,475 |
| Cost of funding earning assets | 0.7417% | 1,654 |
| Net interest margin | 4.0083% | 1,911 |
| Noninterest income to average assets | 1.0913% | 1,226 |
| Noninterest expense to average assets | 4.2058% | 683 |
| Loan and lease loss provision to assets | 0.5910% | 417 |
| Net operating income to assets | -0.0858% | 6,370 |
| Return on assets (ROA) | -0.0707% | 6,395 |
| Pretax return on assets | -0.1650% | 6,451 |
| Return on Equity (ROE) | -0.9968% | 6,424 |
| Retained earnings to average equity (ytd only) | -0.9968% | 6,134 |
| Net charge-offs to loans | 1.0851% | 522 |
| Credit loss provision to net charge-offs | 70.7158% | 3,057 |
| Earnings coverage of net charge-offs (x) | 0.4816% | 4,703 |
| Efficiency ratio | 91.2667% | 901 |
| Assets per employee ($millions) | 2.4543% | 6,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 6,431 |
| Loan loss allowance to noncurrent loans | 39.7807% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 2.6959% | 1,400 |
| Noncurrent loans to loans | 1.7691% | 2,543 |
| Net loans and leases to total assets | 76.4607% | 945 |
| Net loans and leases to deposits | 85.4191% | 1,688 |
| Net loans and leases to core deposits | 85.4191% | 2,476 |
| Total domestic deposits to total assets | 89.5124% | 1,290 |
| Equity capital to assets | 6.9849% | 6,557 |
| Core capital (leverage) ratio | 6.9380% | 6,597 |
| Tier 1 risk-based capital ratio | 12.1285% | 5,699 |
| Total risk-based capital ratio | 13.0772% | 5,838 |
| Memoranda: | ||
| Average total assets | $73,547,750 | 5,440 |
| Average earning assets | $64,531,250 | 5,507 |
| Average equity | $5,216,750 | 6,084 |
| Average total loans | $56,645,000 | 4,771 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 1,340 |
| Cost of funding earning assets | 0.7533% | 1,684 |
| Net interest margin | 4.0392% | 1,730 |
| Noninterest income to average assets | 1.0092% | 1,510 |
| Noninterest expense to average assets | 4.2328% | 670 |
| Loan and lease loss provision to assets | 0.5196% | 510 |
| Net operating income to assets | -0.0409% | 6,346 |
| Return on assets (ROA) | -0.0218% | 6,382 |
| Pretax return on assets | -0.1687% | 6,473 |
| Return on Equity (ROE) | -0.3053% | 6,397 |
| Retained earnings to average equity (ytd only) | -0.3053% | 5,918 |
| Net charge-offs to loans | 0.8441% | 736 |
| Credit loss provision to net charge-offs | 79.9163% | 2,627 |
| Earnings coverage of net charge-offs (x) | 0.4937% | 4,369 |
| Efficiency ratio | 92.9510% | 822 |
| Assets per employee ($millions) | 2.7953% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,245 |
| Loan loss allowance to noncurrent loans | 52.5405% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.9253% | 1,394 |
| Noncurrent loans to loans | 1.6240% | 2,871 |
| Net loans and leases to total assets | 77.7027% | 780 |
| Net loans and leases to deposits | 87.7753% | 1,371 |
| Net loans and leases to core deposits | 87.7753% | 2,133 |
| Total domestic deposits to total assets | 88.5246% | 1,899 |
| Equity capital to assets | 7.1439% | 6,566 |
| Core capital (leverage) ratio | 7.0704% | 6,592 |
| Tier 1 risk-based capital ratio | 12.1955% | 5,683 |
| Total risk-based capital ratio | 13.3506% | 5,684 |
| Memoranda: | ||
| Average total assets | $73,520,330 | 5,474 |
| Average earning assets | $64,518,000 | 5,544 |
| Average equity | $5,241,330 | 6,115 |
| Average total loans | $56,627,670 | 4,801 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 1,227 |
| Cost of funding earning assets | 0.7683% | 1,720 |
| Net interest margin | 4.0627% | 1,581 |
| Noninterest income to average assets | 0.9575% | 1,584 |
| Noninterest expense to average assets | 4.2033% | 711 |
| Loan and lease loss provision to assets | 0.7898% | 276 |
| Net operating income to assets | -0.1339% | 6,471 |
| Return on assets (ROA) | -0.1028% | 6,493 |
| Pretax return on assets | -0.4111% | 6,639 |
| Return on Equity (ROE) | -1.4432% | 6,530 |
| Retained earnings to average equity (ytd only) | -1.4432% | 6,009 |
| Net charge-offs to loans | 1.4877% | 368 |
| Credit loss provision to net charge-offs | 69.5238% | 2,304 |
| Earnings coverage of net charge-offs (x) | 0.2905% | 3,714 |
| Efficiency ratio | 92.7208% | 924 |
| Assets per employee ($millions) | 2.6410% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,383 |
| Loan loss allowance to noncurrent loans | 36.6537% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 3.0968% | 1,429 |
| Noncurrent loans to loans | 2.2986% | 2,277 |
| Net loans and leases to total assets | 74.9621% | 966 |
| Net loans and leases to deposits | 83.3015% | 1,667 |
| Net loans and leases to core deposits | 83.3015% | 2,422 |
| Total domestic deposits to total assets | 89.9889% | 1,066 |
| Equity capital to assets | 7.1009% | 6,694 |
| Core capital (leverage) ratio | 6.9780% | 6,648 |
| Tier 1 risk-based capital ratio | 12.2943% | 5,722 |
| Total risk-based capital ratio | 13.4176% | 5,770 |
| Memoranda: | ||
| Average total assets | $73,942,000 | 5,517 |
| Average earning assets | $65,080,500 | 5,574 |
| Average equity | $5,266,000 | 6,170 |
| Average total loans | $56,462,500 | 4,840 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 1,281 |
| Cost of funding earning assets | 1.0114% | 1,293 |
| Net interest margin | 4.1011% | 1,997 |
| Noninterest income to average assets | 1.0960% | 1,286 |
| Noninterest expense to average assets | 4.3402% | 654 |
| Loan and lease loss provision to assets | 0.4175% | 1,529 |
| Net operating income to assets | 0.0931% | 6,020 |
| Return on assets (ROA) | 0.1007% | 6,155 |
| Pretax return on assets | -0.0278% | 6,311 |
| Return on Equity (ROE) | 1.4466% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.4466% | 5,148 |
| Net charge-offs to loans | 0.6270% | 1,872 |
| Credit loss provision to net charge-offs | 87.9888% | 3,552 |
| Earnings coverage of net charge-offs (x) | 0.7961% | 5,075 |
| Efficiency ratio | 91.9944% | 922 |
| Assets per employee ($millions) | 2.6406% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,166 |
| Loan loss allowance to noncurrent loans | 37.7026% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 3.2204% | 1,444 |
| Noncurrent loans to loans | 2.4886% | 2,129 |
| Net loans and leases to total assets | 76.3985% | 867 |
| Net loans and leases to deposits | 86.2500% | 1,487 |
| Net loans and leases to core deposits | 86.7121% | 2,229 |
| Total domestic deposits to total assets | 88.5780% | 1,854 |
| Equity capital to assets | 7.1427% | 6,740 |
| Core capital (leverage) ratio | 7.0967% | 6,671 |
| Tier 1 risk-based capital ratio | 12.4828% | 5,491 |
| Total risk-based capital ratio | 13.7532% | 5,427 |
| Memoranda: | ||
| Average total assets | $75,456,800 | 5,471 |
| Average earning assets | $66,641,200 | 5,529 |
| Average equity | $5,253,800 | 6,221 |
| Average total loans | $57,097,000 | 4,830 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 1,523 |
| Cost of funding earning assets | 1.0408% | 1,332 |
| Net interest margin | 4.0218% | 2,409 |
| Noninterest income to average assets | 1.1164% | 1,206 |
| Noninterest expense to average assets | 4.3355% | 641 |
| Loan and lease loss provision to assets | 0.2374% | 2,677 |
| Net operating income to assets | 0.1178% | 6,096 |
| Return on assets (ROA) | 0.1301% | 6,217 |
| Pretax return on assets | 0.1090% | 6,260 |
| Return on Equity (ROE) | 1.8803% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.8803% | 5,399 |
| Net charge-offs to loans | 0.4085% | 2,460 |
| Credit loss provision to net charge-offs | 77.1429% | 3,701 |
| Earnings coverage of net charge-offs (x) | 1.0857% | 4,764 |
| Efficiency ratio | 92.8464% | 842 |
| Assets per employee ($millions) | 2.5694% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 6,273 |
| Loan loss allowance to noncurrent loans | 30.8840% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 3.3148% | 1,535 |
| Noncurrent loans to loans | 3.0365% | 1,834 |
| Net loans and leases to total assets | 76.2689% | 929 |
| Net loans and leases to deposits | 86.1585% | 1,587 |
| Net loans and leases to core deposits | 86.9467% | 2,350 |
| Total domestic deposits to total assets | 88.5216% | 1,711 |
| Equity capital to assets | 7.1020% | 6,866 |
| Core capital (leverage) ratio | 7.0389% | 6,788 |
| Tier 1 risk-based capital ratio | 12.3978% | 5,703 |
| Total risk-based capital ratio | 13.6482% | 5,674 |
| Memoranda: | ||
| Average total assets | $75,837,000 | 5,523 |
| Average earning assets | $66,999,500 | 5,583 |
| Average equity | $5,247,000 | 6,291 |
| Average total loans | $57,116,000 | 4,881 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 1,488 |
| Cost of funding earning assets | 1.0908% | 1,255 |
| Net interest margin | 4.0154% | 2,437 |
| Noninterest income to average assets | 1.1379% | 1,100 |
| Noninterest expense to average assets | 4.3709% | 608 |
| Loan and lease loss provision to assets | 0.2360% | 2,714 |
| Net operating income to assets | 0.1101% | 6,135 |
| Return on assets (ROA) | 0.1232% | 6,270 |
| Pretax return on assets | 0.0865% | 6,347 |
| Return on Equity (ROE) | 1.7966% | 6,103 |
| Retained earnings to average equity (ytd only) | 1.7966% | 5,296 |
| Net charge-offs to loans | 0.4489% | 2,258 |
| Credit loss provision to net charge-offs | 70.3125% | 3,553 |
| Earnings coverage of net charge-offs (x) | 0.9219% | 4,575 |
| Efficiency ratio | 93.3894% | 837 |
| Assets per employee ($millions) | 2.4829% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,311 |
| Loan loss allowance to noncurrent loans | 33.1492% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 3.2543% | 1,666 |
| Noncurrent loans to loans | 2.8794% | 2,082 |
| Net loans and leases to total assets | 75.2279% | 1,072 |
| Net loans and leases to deposits | 85.1337% | 1,707 |
| Net loans and leases to core deposits | 85.9077% | 2,440 |
| Total domestic deposits to total assets | 88.3644% | 1,921 |
| Equity capital to assets | 7.0522% | 6,902 |
| Core capital (leverage) ratio | 7.0052% | 6,820 |
| Tier 1 risk-based capital ratio | 12.4728% | 5,585 |
| Total risk-based capital ratio | 13.7158% | 5,573 |
| Memoranda: | ||
| Average total assets | $76,278,000 | 5,540 |
| Average earning assets | $67,291,670 | 5,610 |
| Average equity | $5,232,000 | 6,325 |
| Average total loans | $57,031,670 | 4,913 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 1,550 |
| Cost of funding earning assets | 1.1064% | 1,374 |
| Net interest margin | 4.0018% | 2,500 |
| Noninterest income to average assets | 1.0366% | 1,343 |
| Noninterest expense to average assets | 4.2450% | 704 |
| Loan and lease loss provision to assets | 0.2332% | 2,615 |
| Net operating income to assets | 0.1244% | 6,186 |
| Return on assets (ROA) | 0.1399% | 6,272 |
| Pretax return on assets | 0.0985% | 6,386 |
| Return on Equity (ROE) | 2.0684% | 6,055 |
| Retained earnings to average equity (ytd only) | 2.0684% | 5,234 |
| Net charge-offs to loans | 0.5239% | 1,779 |
| Credit loss provision to net charge-offs | 60.0000% | 3,112 |
| Earnings coverage of net charge-offs (x) | 0.8133% | 3,927 |
| Efficiency ratio | 93.0682% | 880 |
| Assets per employee ($millions) | 2.5898% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 6,401 |
| Loan loss allowance to noncurrent loans | 35.7003% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 3.1624% | 1,830 |
| Noncurrent loans to loans | 2.6761% | 2,434 |
| Net loans and leases to total assets | 73.1228% | 1,202 |
| Net loans and leases to deposits | 84.0141% | 1,663 |
| Net loans and leases to core deposits | 84.7510% | 2,443 |
| Total domestic deposits to total assets | 87.0363% | 2,937 |
| Equity capital to assets | 6.7380% | 6,972 |
| Core capital (leverage) ratio | 6.6903% | 6,932 |
| Tier 1 risk-based capital ratio | 11.6279% | 6,202 |
| Total risk-based capital ratio | 12.8537% | 6,199 |
| Memoranda: | ||
| Average total assets | $77,173,500 | 5,553 |
| Average earning assets | $67,970,000 | 5,625 |
| Average equity | $5,221,500 | 6,356 |
| Average total loans | $57,260,000 | 4,933 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 2,128 |
| Cost of funding earning assets | 1.3293% | 1,346 |
| Net interest margin | 3.8562% | 3,535 |
| Noninterest income to average assets | 0.4216% | 4,434 |
| Noninterest expense to average assets | 3.8004% | 1,348 |
| Loan and lease loss provision to assets | 1.0455% | 891 |
| Net operating income to assets | -0.8772% | 6,688 |
| Return on assets (ROA) | -0.9024% | 6,727 |
| Pretax return on assets | -1.0584% | 6,758 |
| Return on Equity (ROE) | -12.8417% | 6,827 |
| Retained earnings to average equity (ytd only) | -12.8417% | 6,800 |
| Net charge-offs to loans | 1.1960% | 1,407 |
| Credit loss provision to net charge-offs | 121.7718% | 2,600 |
| Earnings coverage of net charge-offs (x) | 0.0195% | 5,805 |
| Efficiency ratio | 99.5610% | 689 |
| Assets per employee ($millions) | 2.6432% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 6,151 |
| Loan loss allowance to noncurrent loans | 38.6258% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.3880% | 1,751 |
| Noncurrent loans to loans | 2.6225% | 2,489 |
| Net loans and leases to total assets | 73.8145% | 1,304 |
| Net loans and leases to deposits | 85.1777% | 1,779 |
| Net loans and leases to core deposits | 85.9319% | 2,641 |
| Total domestic deposits to total assets | 86.6594% | 2,941 |
| Equity capital to assets | 6.7943% | 7,009 |
| Core capital (leverage) ratio | 6.7509% | 6,932 |
| Tier 1 risk-based capital ratio | 11.8422% | 5,936 |
| Total risk-based capital ratio | 13.0926% | 5,917 |
| Memoranda: | ||
| Average total assets | $77,570,400 | 5,524 |
| Average earning assets | $68,305,400 | 5,601 |
| Average equity | $5,451,000 | 6,305 |
| Average total loans | $55,683,600 | 5,044 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 2,244 |
| Cost of funding earning assets | 1.3712% | 1,365 |
| Net interest margin | 3.8179% | 3,779 |
| Noninterest income to average assets | 0.2828% | 5,582 |
| Noninterest expense to average assets | 3.7754% | 1,345 |
| Loan and lease loss provision to assets | 1.3127% | 567 |
| Net operating income to assets | -1.2372% | 6,972 |
| Return on assets (ROA) | -1.2785% | 7,001 |
| Pretax return on assets | -1.4893% | 7,016 |
| Return on Equity (ROE) | -18.0458% | 7,068 |
| Retained earnings to average equity (ytd only) | -18.0458% | 7,051 |
| Net charge-offs to loans | 1.5258% | 951 |
| Credit loss provision to net charge-offs | 121.0111% | 2,678 |
| Earnings coverage of net charge-offs (x) | -0.1185% | 5,674 |
| Efficiency ratio | 103.5244% | 567 |
| Assets per employee ($millions) | 2.6292% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,254 |
| Loan loss allowance to noncurrent loans | 46.3614% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.9050% | 2,226 |
| Noncurrent loans to loans | 2.1619% | 3,161 |
| Net loans and leases to total assets | 73.4485% | 1,419 |
| Net loans and leases to deposits | 86.5539% | 1,615 |
| Net loans and leases to core deposits | 87.3355% | 2,583 |
| Total domestic deposits to total assets | 84.8586% | 3,842 |
| Equity capital to assets | 6.8002% | 7,090 |
| Core capital (leverage) ratio | 6.7295% | 7,027 |
| Tier 1 risk-based capital ratio | 11.7811% | 6,050 |
| Total risk-based capital ratio | 13.0316% | 6,042 |
| Memoranda: | ||
| Average total assets | $77,799,750 | 5,556 |
| Average earning assets | $68,553,500 | 5,633 |
| Average equity | $5,511,750 | 6,335 |
| Average total loans | $55,314,500 | 5,103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 2,221 |
| Cost of funding earning assets | 1.4160% | 1,344 |
| Net interest margin | 3.7955% | 3,803 |
| Noninterest income to average assets | 0.0715% | 6,953 |
| Noninterest expense to average assets | 3.7642% | 1,412 |
| Loan and lease loss provision to assets | 1.8412% | 355 |
| Net operating income to assets | -1.8873% | 7,174 |
| Return on assets (ROA) | -1.9664% | 7,188 |
| Pretax return on assets | -2.2856% | 7,220 |
| Return on Equity (ROE) | -27.3989% | 7,219 |
| Retained earnings to average equity (ytd only) | -27.3989% | 7,209 |
| Net charge-offs to loans | 1.8034% | 772 |
| Credit loss provision to net charge-offs | 145.6566% | 2,100 |
| Earnings coverage of net charge-offs (x) | -0.2788% | 5,443 |
| Efficiency ratio | 110.3293% | 471 |
| Assets per employee ($millions) | 2.8239% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,601 |
| Loan loss allowance to noncurrent loans | 69.4006% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 3.0323% | 2,219 |
| Noncurrent loans to loans | 1.7117% | 3,873 |
| Net loans and leases to total assets | 72.0025% | 1,783 |
| Net loans and leases to deposits | 84.9264% | 1,957 |
| Net loans and leases to core deposits | 85.6900% | 2,957 |
| Total domestic deposits to total assets | 84.7822% | 3,979 |
| Equity capital to assets | 6.7413% | 7,150 |
| Core capital (leverage) ratio | 6.6941% | 7,078 |
| Tier 1 risk-based capital ratio | 11.7636% | 5,962 |
| Total risk-based capital ratio | 13.0138% | 5,961 |
| Memoranda: | ||
| Average total assets | $78,317,000 | 5,592 |
| Average earning assets | $68,924,330 | 5,662 |
| Average equity | $5,620,670 | 6,340 |
| Average total loans | $54,896,000 | 5,177 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 2,135 |
| Cost of funding earning assets | 1.4955% | 1,182 |
| Net interest margin | 3.7302% | 3,946 |
| Noninterest income to average assets | 0.6049% | 3,129 |
| Noninterest expense to average assets | 3.7453% | 1,447 |
| Loan and lease loss provision to assets | 0.4285% | 2,049 |
| Net operating income to assets | -0.1573% | 6,513 |
| Return on assets (ROA) | -0.0605% | 6,438 |
| Pretax return on assets | -0.1361% | 6,479 |
| Return on Equity (ROE) | -0.8190% | 6,464 |
| Retained earnings to average equity (ytd only) | -0.8190% | 5,946 |
| Net charge-offs to loans | 0.8210% | 1,597 |
| Credit loss provision to net charge-offs | 75.8929% | 3,237 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 4,422 |
| Efficiency ratio | 96.3684% | 902 |
| Assets per employee ($millions) | 2.9426% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 7,017 |
| Loan loss allowance to noncurrent loans | 40.2572% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 3.9610% | 1,681 |
| Noncurrent loans to loans | 1.8448% | 3,761 |
| Net loans and leases to total assets | 68.4666% | 2,460 |
| Net loans and leases to deposits | 81.0767% | 2,512 |
| Net loans and leases to core deposits | 82.1493% | 3,434 |
| Total domestic deposits to total assets | 84.4466% | 4,298 |
| Equity capital to assets | 7.3519% | 6,949 |
| Core capital (leverage) ratio | 7.3709% | 6,814 |
| Tier 1 risk-based capital ratio | 13.1652% | 4,694 |
| Total risk-based capital ratio | 14.0799% | 4,933 |
| Memoranda: | ||
| Average total assets | $79,352,500 | 5,606 |
| Average earning assets | $69,809,500 | 5,681 |
| Average equity | $5,861,000 | 6,292 |
| Average total loans | $54,564,500 | 5,231 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 3,031 |
| Cost of funding earning assets | 1.8388% | 1,033 |
| Net interest margin | 3.4805% | 5,321 |
| Noninterest income to average assets | 0.6440% | 3,189 |
| Noninterest expense to average assets | 3.4696% | 2,254 |
| Loan and lease loss provision to assets | 0.6747% | 2,441 |
| Net operating income to assets | -0.2477% | 6,157 |
| Return on assets (ROA) | -0.2052% | 6,172 |
| Pretax return on assets | -0.3515% | 6,198 |
| Return on Equity (ROE) | -2.8109% | 6,263 |
| Retained earnings to average equity (ytd only) | -2.8109% | 6,083 |
| Net charge-offs to loans | 0.5234% | 3,530 |
| Credit loss provision to net charge-offs | 191.9580% | 1,671 |
| Earnings coverage of net charge-offs (x) | 0.7308% | 5,388 |
| Efficiency ratio | 93.1069% | 1,112 |
| Assets per employee ($millions) | 2.9354% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 6,966 |
| Loan loss allowance to noncurrent loans | 36.6470% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 3.9782% | 1,709 |
| Noncurrent loans to loans | 2.1850% | 3,330 |
| Net loans and leases to total assets | 67.9961% | 2,983 |
| Net loans and leases to deposits | 81.2211% | 2,949 |
| Net loans and leases to core deposits | 82.6220% | 3,801 |
| Total domestic deposits to total assets | 83.7173% | 4,495 |
| Equity capital to assets | 7.4203% | 6,926 |
| Core capital (leverage) ratio | 7.4079% | 6,779 |
| Tier 1 risk-based capital ratio | 13.2676% | 4,403 |
| Total risk-based capital ratio | 14.2508% | 4,563 |
| Memoranda: | ||
| Average total assets | $81,364,800 | 5,556 |
| Average earning assets | $72,058,000 | 5,602 |
| Average equity | $5,941,200 | 6,384 |
| Average total loans | $54,643,200 | 5,290 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 3,246 |
| Cost of funding earning assets | 1.8932% | 1,051 |
| Net interest margin | 3.4287% | 5,576 |
| Noninterest income to average assets | 0.6431% | 3,167 |
| Noninterest expense to average assets | 3.4467% | 2,169 |
| Loan and lease loss provision to assets | 0.8124% | 1,864 |
| Net operating income to assets | -0.3517% | 6,472 |
| Return on assets (ROA) | -0.3142% | 6,489 |
| Pretax return on assets | -0.5145% | 6,565 |
| Return on Equity (ROE) | -4.3203% | 6,592 |
| Retained earnings to average equity (ytd only) | -4.3203% | 6,496 |
| Net charge-offs to loans | 0.5799% | 3,000 |
| Credit loss provision to net charge-offs | 209.6639% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.6177% | 5,415 |
| Efficiency ratio | 93.5071% | 1,027 |
| Assets per employee ($millions) | 2.9876% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 7,016 |
| Loan loss allowance to noncurrent loans | 23.0646% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 4.2695% | 1,600 |
| Noncurrent loans to loans | 3.4495% | 2,309 |
| Net loans and leases to total assets | 66.7766% | 3,513 |
| Net loans and leases to deposits | 83.3246% | 2,830 |
| Net loans and leases to core deposits | 85.1300% | 3,779 |
| Total domestic deposits to total assets | 80.1403% | 5,661 |
| Equity capital to assets | 7.3352% | 7,210 |
| Core capital (leverage) ratio | 7.2547% | 7,034 |
| Tier 1 risk-based capital ratio | 13.2502% | 4,389 |
| Total risk-based capital ratio | 14.2297% | 4,569 |
| Memoranda: | ||
| Average total assets | $81,892,000 | 5,603 |
| Average earning assets | $72,679,250 | 5,645 |
| Average equity | $5,956,250 | 6,460 |
| Average total loans | $54,722,500 | 5,360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 3,234 |
| Cost of funding earning assets | 1.9590% | 1,018 |
| Net interest margin | 3.3864% | 5,691 |
| Noninterest income to average assets | 0.5371% | 3,818 |
| Noninterest expense to average assets | 3.3390% | 2,435 |
| Loan and lease loss provision to assets | 1.0911% | 1,317 |
| Net operating income to assets | -0.5614% | 6,711 |
| Return on assets (ROA) | -0.5614% | 6,742 |
| Pretax return on assets | -0.8894% | 6,840 |
| Return on Equity (ROE) | -7.7396% | 6,874 |
| Retained earnings to average equity (ytd only) | -7.7396% | 6,793 |
| Net charge-offs to loans | 0.6197% | 2,677 |
| Credit loss provision to net charge-offs | 264.1176% | 1,439 |
| Earnings coverage of net charge-offs (x) | 0.4882% | 5,235 |
| Efficiency ratio | 94.3034% | 1,051 |
| Assets per employee ($millions) | 2.9988% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 7,020 |
| Loan loss allowance to noncurrent loans | 27.2232% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 3.8966% | 1,776 |
| Noncurrent loans to loans | 2.9602% | 2,706 |
| Net loans and leases to total assets | 68.4106% | 3,266 |
| Net loans and leases to deposits | 85.3559% | 2,621 |
| Net loans and leases to core deposits | 87.2174% | 3,660 |
| Total domestic deposits to total assets | 80.1475% | 5,687 |
| Equity capital to assets | 7.2276% | 7,263 |
| Core capital (leverage) ratio | 7.1770% | 7,082 |
| Tier 1 risk-based capital ratio | 12.7821% | 4,622 |
| Total risk-based capital ratio | 13.7728% | 4,812 |
| Memoranda: | ||
| Average total assets | $82,300,670 | 5,617 |
| Average earning assets | $72,997,330 | 5,674 |
| Average equity | $5,969,330 | 6,476 |
| Average total loans | $54,864,000 | 5,387 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 3,444 |
| Cost of funding earning assets | 2.0379% | 984 |
| Net interest margin | 3.2824% | 6,043 |
| Noninterest income to average assets | 0.5930% | 3,323 |
| Noninterest expense to average assets | 3.2495% | 2,704 |
| Loan and lease loss provision to assets | 0.9208% | 1,379 |
| Net operating income to assets | -0.4146% | 6,774 |
| Return on assets (ROA) | -0.4146% | 6,807 |
| Pretax return on assets | -0.6653% | 6,882 |
| Return on Equity (ROE) | -5.7067% | 6,920 |
| Retained earnings to average equity (ytd only) | -5.7067% | 6,637 |
| Net charge-offs to loans | 0.2501% | 3,445 |
| Credit loss provision to net charge-offs | 561.7647% | 771 |
| Earnings coverage of net charge-offs (x) | 1.5588% | 3,796 |
| Efficiency ratio | 92.7098% | 1,227 |
| Assets per employee ($millions) | 3.4464% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5982% | 7,499 |
| Loan loss allowance to noncurrent loans | 32.8000% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 2.9838% | 2,409 |
| Noncurrent loans to loans | 1.8237% | 4,028 |
| Net loans and leases to total assets | 65.8957% | 3,878 |
| Net loans and leases to deposits | 82.0784% | 3,269 |
| Net loans and leases to core deposits | 84.1438% | 4,180 |
| Total domestic deposits to total assets | 80.2839% | 5,692 |
| Equity capital to assets | 7.2551% | 7,244 |
| Core capital (leverage) ratio | 7.2013% | 7,108 |
| Tier 1 risk-based capital ratio | 13.4401% | 4,026 |
| Total risk-based capital ratio | 14.1809% | 4,360 |
| Memoranda: | ||
| Average total assets | $82,967,500 | 5,665 |
| Average earning assets | $73,605,500 | 5,719 |
| Average equity | $6,028,000 | 6,510 |
| Average total loans | $54,376,000 | 5,477 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 2,743 |
| Cost of funding earning assets | 2.3957% | 1,312 |
| Net interest margin | 3.3835% | 5,434 |
| Noninterest income to average assets | 0.7609% | 2,614 |
| Noninterest expense to average assets | 3.3803% | 2,744 |
| Loan and lease loss provision to assets | 0.2569% | 5,339 |
| Net operating income to assets | 0.1272% | 5,123 |
| Return on assets (ROA) | 0.1272% | 5,179 |
| Pretax return on assets | 0.1490% | 5,113 |
| Return on Equity (ROE) | 1.7435% | 5,003 |
| Retained earnings to average equity (ytd only) | 1.7435% | 3,867 |
| Net charge-offs to loans | 0.5116% | 3,733 |
| Credit loss provision to net charge-offs | 73.8676% | 6,420 |
| Earnings coverage of net charge-offs (x) | 1.1672% | 4,958 |
| Efficiency ratio | 89.2800% | 1,768 |
| Assets per employee ($millions) | 3.2008% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3153% | 7,819 |
| Loan loss allowance to noncurrent loans | 11.8384% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 2.9572% | 2,371 |
| Noncurrent loans to loans | 2.6633% | 2,883 |
| Net loans and leases to total assets | 64.5859% | 4,471 |
| Net loans and leases to deposits | 81.8958% | 3,636 |
| Net loans and leases to core deposits | 92.5494% | 4,823 |
| Total domestic deposits to total assets | 78.8635% | 6,015 |
| Equity capital to assets | 7.2758% | 7,217 |
| Core capital (leverage) ratio | 7.2565% | 7,025 |
| Tier 1 risk-based capital ratio | 13.0589% | 4,103 |
| Total risk-based capital ratio | 13.4266% | 4,757 |
| Memoranda: | ||
| Average total assets | $82,536,200 | 5,650 |
| Average earning assets | $73,799,000 | 5,688 |
| Average equity | $6,022,400 | 6,597 |
| Average total loans | $56,097,200 | 5,414 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8569% | 2,640 |
| Cost of funding earning assets | 2.4510% | 1,440 |
| Net interest margin | 3.4058% | 5,241 |
| Noninterest income to average assets | 0.7592% | 2,653 |
| Noninterest expense to average assets | 3.4399% | 2,451 |
| Loan and lease loss provision to assets | 0.2687% | 4,814 |
| Net operating income to assets | 0.0987% | 5,468 |
| Return on assets (ROA) | 0.0987% | 5,518 |
| Pretax return on assets | 0.1052% | 5,515 |
| Return on Equity (ROE) | 1.3523% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.3523% | 4,565 |
| Net charge-offs to loans | 0.1789% | 4,961 |
| Credit loss provision to net charge-offs | 218.4211% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.0395% | 3,710 |
| Efficiency ratio | 90.1952% | 1,671 |
| Assets per employee ($millions) | 3.1693% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6144% | 7,552 |
| Loan loss allowance to noncurrent loans | 21.1987% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 3.1735% | 2,140 |
| Noncurrent loans to loans | 2.8983% | 2,628 |
| Net loans and leases to total assets | 65.9584% | 4,438 |
| Net loans and leases to deposits | 84.4287% | 3,583 |
| Net loans and leases to core deposits | 95.9655% | 4,818 |
| Total domestic deposits to total assets | 78.1231% | 6,048 |
| Equity capital to assets | 7.4234% | 7,360 |
| Core capital (leverage) ratio | 7.2874% | 7,198 |
| Tier 1 risk-based capital ratio | 13.1777% | 4,066 |
| Total risk-based capital ratio | 13.9168% | 4,369 |
| Memoranda: | ||
| Average total assets | $82,365,000 | 5,679 |
| Average earning assets | $73,871,750 | 5,723 |
| Average equity | $6,014,250 | 6,657 |
| Average total loans | $56,641,750 | 5,439 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 2,245 |
| Cost of funding earning assets | 2.5111% | 1,574 |
| Net interest margin | 3.4738% | 4,923 |
| Noninterest income to average assets | 0.7626% | 2,637 |
| Noninterest expense to average assets | 3.3539% | 2,775 |
| Loan and lease loss provision to assets | 0.3521% | 3,815 |
| Net operating income to assets | 0.1433% | 5,438 |
| Return on assets (ROA) | 0.1433% | 5,532 |
| Pretax return on assets | 0.1676% | 5,544 |
| Return on Equity (ROE) | 1.9732% | 5,309 |
| Retained earnings to average equity (ytd only) | 1.9732% | 4,243 |
| Net charge-offs to loans | 0.0803% | 5,406 |
| Credit loss provision to net charge-offs | 630.4348% | 740 |
| Earnings coverage of net charge-offs (x) | 9.3043% | 2,149 |
| Efficiency ratio | 86.5831% | 2,170 |
| Assets per employee ($millions) | 3.1877% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6510% | 7,545 |
| Loan loss allowance to noncurrent loans | 25.9887% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 2.5121% | 2,563 |
| Noncurrent loans to loans | 2.5048% | 2,889 |
| Net loans and leases to total assets | 67.7654% | 4,192 |
| Net loans and leases to deposits | 86.8162% | 3,385 |
| Net loans and leases to core deposits | 100.2159% | 4,489 |
| Total domestic deposits to total assets | 78.0562% | 6,060 |
| Equity capital to assets | 7.2852% | 7,422 |
| Core capital (leverage) ratio | 7.2337% | 7,320 |
| Tier 1 risk-based capital ratio | 13.1058% | 4,066 |
| Total risk-based capital ratio | 13.9110% | 4,309 |
| Memoranda: | ||
| Average total assets | $82,352,670 | 5,719 |
| Average earning assets | $73,753,000 | 5,756 |
| Average equity | $5,980,000 | 6,725 |
| Average total loans | $57,293,330 | 5,455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0672% | 2,083 |
| Cost of funding earning assets | 2.6002% | 1,565 |
| Net interest margin | 3.4670% | 4,861 |
| Noninterest income to average assets | 0.7114% | 2,815 |
| Noninterest expense to average assets | 3.2842% | 2,708 |
| Loan and lease loss provision to assets | 0.4239% | 2,806 |
| Net operating income to assets | 0.0975% | 5,985 |
| Return on assets (ROA) | 0.0975% | 6,151 |
| Pretax return on assets | 0.1218% | 6,114 |
| Return on Equity (ROE) | 1.3443% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.3443% | 5,096 |
| Net charge-offs to loans | 0.0069% | 5,588 |
| Credit loss provision to net charge-offs | 8,700.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 389 |
| Efficiency ratio | 85.7506% | 2,102 |
| Assets per employee ($millions) | 3.1350% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 7,707 |
| Loan loss allowance to noncurrent loans | 19.0040% | 7,220 |
| Noncurrent assets plus other real estate owned to assets | 3.2254% | 1,713 |
| Noncurrent loans to loans | 3.0409% | 2,148 |
| Net loans and leases to total assets | 70.0757% | 3,649 |
| Net loans and leases to deposits | 90.0460% | 2,923 |
| Net loans and leases to core deposits | 105.5981% | 3,957 |
| Total domestic deposits to total assets | 77.8221% | 6,074 |
| Equity capital to assets | 7.3010% | 7,491 |
| Core capital (leverage) ratio | 7.3010% | 7,381 |
| Tier 1 risk-based capital ratio | 12.6324% | 4,445 |
| Total risk-based capital ratio | 13.3372% | 4,782 |
| Memoranda: | ||
| Average total assets | $82,089,000 | 5,744 |
| Average earning assets | $73,839,500 | 5,779 |
| Average equity | $5,951,000 | 6,783 |
| Average total loans | $57,674,000 | 5,468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1986% | 4,525 |
| Cost of funding earning assets | 2.9895% | 1,903 |
| Net interest margin | 3.2091% | 6,339 |
| Noninterest income to average assets | 0.5873% | 3,946 |
| Noninterest expense to average assets | 3.2651% | 3,090 |
| Loan and lease loss provision to assets | 0.0496% | 6,793 |
| Net operating income to assets | 0.1350% | 6,016 |
| Return on assets (ROA) | 0.1834% | 5,733 |
| Pretax return on assets | 0.2565% | 5,615 |
| Return on Equity (ROE) | 2.5451% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.5451% | 3,619 |
| Net charge-offs to loans | 0.0174% | 6,628 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 19.2000% | 1,650 |
| Efficiency ratio | 93.2083% | 1,317 |
| Assets per employee ($millions) | 3.0618% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4249% | 7,951 |
| Loan loss allowance to noncurrent loans | 18.3857% | 7,298 |
| Noncurrent assets plus other real estate owned to assets | 2.7773% | 1,692 |
| Noncurrent loans to loans | 2.3110% | 2,393 |
| Net loans and leases to total assets | 69.7384% | 4,079 |
| Net loans and leases to deposits | 90.9811% | 3,293 |
| Net loans and leases to core deposits | 110.5249% | 3,729 |
| Total domestic deposits to total assets | 76.6515% | 6,080 |
| Equity capital to assets | 7.1986% | 7,628 |
| Core capital (leverage) ratio | 7.1662% | 7,555 |
| Tier 1 risk-based capital ratio | 11.9392% | 4,870 |
| Total risk-based capital ratio | 12.4352% | 5,440 |
| Memoranda: | ||
| Average total assets | $80,703,000 | 5,676 |
| Average earning assets | $73,323,200 | 5,694 |
| Average equity | $5,815,200 | 6,872 |
| Average total loans | $57,465,000 | 5,383 |