Home > Hyperion Bank > Performance and Condition Ratios
Hyperion Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9123% | 441 |
| Cost of funding earning assets | 3.2337% | 317 |
| Net interest margin | 3.6786% | 1,732 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.7984% | 1,502 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.5966% | 3,241 |
| Return on assets (ROA) | 0.5966% | 3,256 |
| Pretax return on assets | 0.7441% | 3,172 |
| Return on Equity (ROE) | 6.2800% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.2843% | 1,718 |
| Net charge-offs to loans | 0.0252% | 2,065 |
| Credit loss provision to net charge-offs | 580.4348% | 574 |
| Earnings coverage of net charge-offs (x) | 41.4891% | 1,319 |
| Efficiency ratio | 75.9589% | 1,377 |
| Assets per employee ($millions) | 10.7734% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 3,857 |
| Loan loss allowance to noncurrent loans | 91.4087% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 995 |
| Noncurrent loans to loans | 0.8816% | 1,134 |
| Net loans and leases to total assets | 83.9600% | 285 |
| Net loans and leases to deposits | 119.7850% | 80 |
| Net loans and leases to core deposits | 158.5508% | 134 |
| Total domestic deposits to total assets | 70.0900% | 4,203 |
| Equity capital to assets | 9.1207% | 2,733 |
| Core capital (leverage) ratio | 10.1171% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9998% | 2,218 |
| Memoranda: | ||
| Average total assets | $430,964,400 | 1,961 |
| Average earning assets | $410,613,000 | 1,915 |
| Average equity | $40,911,800 | 1,946 |
| Average total loans | $365,184,000 | 1,636 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9952% | 393 |
| Cost of funding earning assets | 3.2642% | 314 |
| Net interest margin | 3.7309% | 1,583 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.8867% | 1,282 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 0.5584% | 3,326 |
| Return on assets (ROA) | 0.5584% | 3,349 |
| Pretax return on assets | 0.6961% | 3,277 |
| Return on Equity (ROE) | 5.8200% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.8193% | 2,149 |
| Net charge-offs to loans | 0.0153% | 2,097 |
| Credit loss provision to net charge-offs | 1,002.4390% | 398 |
| Earnings coverage of net charge-offs (x) | 65.1951% | 1,042 |
| Efficiency ratio | 77.4030% | 1,268 |
| Assets per employee ($millions) | 9.3499% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 3,820 |
| Loan loss allowance to noncurrent loans | 75.7048% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9484% | 716 |
| Noncurrent loans to loans | 1.1133% | 892 |
| Net loans and leases to total assets | 84.4700% | 231 |
| Net loans and leases to deposits | 106.1172% | 257 |
| Net loans and leases to core deposits | 137.1383% | 285 |
| Total domestic deposits to total assets | 79.6000% | 3,525 |
| Equity capital to assets | 9.7197% | 2,484 |
| Core capital (leverage) ratio | 10.5627% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0315% | 1,881 |
| Memoranda: | ||
| Average total assets | $422,891,750 | 1,975 |
| Average earning assets | $403,107,000 | 1,933 |
| Average equity | $40,576,750 | 1,964 |
| Average total loans | $358,450,000 | 1,648 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0203% | 357 |
| Cost of funding earning assets | 3.2353% | 302 |
| Net interest margin | 3.7851% | 1,450 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.9504% | 1,172 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6307% | 3,109 |
| Return on assets (ROA) | 0.6307% | 3,142 |
| Pretax return on assets | 0.7867% | 3,029 |
| Return on Equity (ROE) | 6.6000% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.6023% | 1,778 |
| Net charge-offs to loans | 0.0371% | 1,435 |
| Credit loss provision to net charge-offs | 121.2121% | 1,346 |
| Earnings coverage of net charge-offs (x) | 26.7727% | 1,455 |
| Efficiency ratio | 77.8294% | 1,303 |
| Assets per employee ($millions) | 8.9434% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 3,989 |
| Loan loss allowance to noncurrent loans | 134.9802% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 1,377 |
| Noncurrent loans to loans | 0.5740% | 1,584 |
| Net loans and leases to total assets | 83.2400% | 356 |
| Net loans and leases to deposits | 98.4070% | 632 |
| Net loans and leases to core deposits | 126.3099% | 482 |
| Total domestic deposits to total assets | 84.5900% | 2,437 |
| Equity capital to assets | 9.7052% | 2,264 |
| Core capital (leverage) ratio | 10.2748% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2134% | 1,804 |
| Memoranda: | ||
| Average total assets | $420,490,333 | 1,980 |
| Average earning assets | $400,521,667 | 1,941 |
| Average equity | $40,167,667 | 1,946 |
| Average total loans | $355,802,667 | 1,654 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0350% | 323 |
| Cost of funding earning assets | 3.2046% | 290 |
| Net interest margin | 3.8304% | 1,319 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.9389% | 1,162 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.6705% | 2,931 |
| Return on assets (ROA) | 0.6705% | 2,953 |
| Pretax return on assets | 0.8379% | 2,835 |
| Return on Equity (ROE) | 7.0800% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.0758% | 1,810 |
| Net charge-offs to loans | -0.0034% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.3273% | 1,419 |
| Assets per employee ($millions) | 9.5002% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,034 |
| Loan loss allowance to noncurrent loans | 120.1932% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 1,192 |
| Noncurrent loans to loans | 0.6261% | 1,399 |
| Net loans and leases to total assets | 84.4700% | 237 |
| Net loans and leases to deposits | 107.0702% | 252 |
| Net loans and leases to core deposits | 140.5910% | 264 |
| Total domestic deposits to total assets | 78.8900% | 3,691 |
| Equity capital to assets | 9.3935% | 2,404 |
| Core capital (leverage) ratio | 10.2298% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5669% | 2,047 |
| Memoranda: | ||
| Average total assets | $420,565,000 | 1,988 |
| Average earning assets | $399,545,000 | 1,947 |
| Average equity | $39,854,000 | 1,951 |
| Average total loans | $357,388,000 | 1,643 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6908% | 292 |
| Cost of funding earning assets | 2.6203% | 290 |
| Net interest margin | 4.0705% | 1,102 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 3.0199% | 1,102 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.6943% | 3,212 |
| Return on assets (ROA) | 0.6943% | 3,181 |
| Pretax return on assets | 0.8709% | 3,039 |
| Return on Equity (ROE) | 7.1100% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.1123% | 1,859 |
| Net charge-offs to loans | 0.0093% | 2,308 |
| Credit loss provision to net charge-offs | 2,396.6667% | 200 |
| Earnings coverage of net charge-offs (x) | 128.1333% | 785 |
| Efficiency ratio | 75.0179% | 1,350 |
| Assets per employee ($millions) | 9.3929% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 3,670 |
| Loan loss allowance to noncurrent loans | 138.9323% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 1,009 |
| Noncurrent loans to loans | 0.6565% | 1,196 |
| Net loans and leases to total assets | 84.1400% | 264 |
| Net loans and leases to deposits | 108.5561% | 227 |
| Net loans and leases to core deposits | 138.6087% | 291 |
| Total domestic deposits to total assets | 77.5100% | 3,786 |
| Equity capital to assets | 9.4358% | 2,395 |
| Core capital (leverage) ratio | 10.2958% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7558% | 1,953 |
| Memoranda: | ||
| Average total assets | $382,230,600 | 2,071 |
| Average earning assets | $362,631,400 | 2,031 |
| Average equity | $37,315,400 | 1,967 |
| Average total loans | $323,515,000 | 1,710 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6119% | 275 |
| Cost of funding earning assets | 2.4309% | 315 |
| Net interest margin | 4.1810% | 949 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 3.1504% | 871 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.6601% | 3,407 |
| Return on assets (ROA) | 0.6601% | 3,394 |
| Pretax return on assets | 0.8282% | 3,271 |
| Return on Equity (ROE) | 6.7000% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.6999% | 2,393 |
| Net charge-offs to loans | 0.0143% | 1,880 |
| Credit loss provision to net charge-offs | 1,852.9412% | 257 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 1,028 |
| Efficiency ratio | 75.8183% | 1,193 |
| Assets per employee ($millions) | 9.0857% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 3,675 |
| Loan loss allowance to noncurrent loans | 189.1662% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 1,408 |
| Noncurrent loans to loans | 0.4851% | 1,611 |
| Net loans and leases to total assets | 83.9400% | 283 |
| Net loans and leases to deposits | 109.9101% | 200 |
| Net loans and leases to core deposits | 131.3435% | 326 |
| Total domestic deposits to total assets | 76.3700% | 3,985 |
| Equity capital to assets | 9.3967% | 2,160 |
| Core capital (leverage) ratio | 10.0126% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9855% | 1,903 |
| Memoranda: | ||
| Average total assets | $374,466,500 | 2,107 |
| Average earning assets | $355,691,500 | 2,060 |
| Average equity | $36,895,000 | 1,970 |
| Average total loans | $316,661,250 | 1,735 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 296 |
| Cost of funding earning assets | 2.2219% | 323 |
| Net interest margin | 4.1407% | 1,018 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.1620% | 828 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.5830% | 3,625 |
| Return on assets (ROA) | 0.5830% | 3,629 |
| Pretax return on assets | 0.7316% | 3,535 |
| Return on Equity (ROE) | 5.8200% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.8192% | 2,689 |
| Net charge-offs to loans | -0.0065% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.0947% | 1,171 |
| Assets per employee ($millions) | 9.2107% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 3,787 |
| Loan loss allowance to noncurrent loans | 156.7387% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 1,107 |
| Noncurrent loans to loans | 0.5735% | 1,304 |
| Net loans and leases to total assets | 84.8100% | 223 |
| Net loans and leases to deposits | 105.2885% | 330 |
| Net loans and leases to core deposits | 128.8733% | 347 |
| Total domestic deposits to total assets | 80.5500% | 3,491 |
| Equity capital to assets | 9.3632% | 2,259 |
| Core capital (leverage) ratio | 10.1803% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6350% | 2,046 |
| Memoranda: | ||
| Average total assets | $366,032,000 | 2,144 |
| Average earning assets | $347,626,333 | 2,108 |
| Average equity | $36,671,667 | 1,992 |
| Average total loans | $309,328,667 | 1,748 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0182% | 306 |
| Cost of funding earning assets | 1.8633% | 398 |
| Net interest margin | 4.1549% | 1,013 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 3.0631% | 978 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 0.5641% | 3,762 |
| Return on assets (ROA) | 0.5641% | 3,730 |
| Pretax return on assets | 0.7008% | 3,661 |
| Return on Equity (ROE) | 5.4300% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.4298% | 2,911 |
| Net charge-offs to loans | -0.0095% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.1031% | 1,423 |
| Assets per employee ($millions) | 8.9485% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 3,819 |
| Loan loss allowance to noncurrent loans | 146.6295% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 645 |
| Noncurrent loans to loans | 0.6235% | 1,206 |
| Net loans and leases to total assets | 83.4300% | 275 |
| Net loans and leases to deposits | 104.9649% | 282 |
| Net loans and leases to core deposits | 124.6933% | 352 |
| Total domestic deposits to total assets | 79.4800% | 3,837 |
| Equity capital to assets | 9.7832% | 1,942 |
| Core capital (leverage) ratio | 11.4392% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2743% | 1,875 |
| Memoranda: | ||
| Average total assets | $351,017,000 | 2,231 |
| Average earning assets | $332,526,500 | 2,202 |
| Average equity | $36,465,500 | 2,025 |
| Average total loans | $294,518,000 | 1,814 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 206 |
| Cost of funding earning assets | 0.7683% | 434 |
| Net interest margin | 4.4856% | 299 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 3.0366% | 917 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1285% | 2,063 |
| Return on assets (ROA) | 1.1285% | 2,005 |
| Pretax return on assets | 1.2184% | 2,378 |
| Return on Equity (ROE) | 9.5800% | 2,947 |
| Retained earnings to average equity (ytd only) | 9.5800% | 1,290 |
| Net charge-offs to loans | -0.0366% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.9366% | 1,693 |
| Assets per employee ($millions) | 8.3640% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 2,880 |
| Loan loss allowance to noncurrent loans | 201.5416% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 919 |
| Noncurrent loans to loans | 0.5473% | 1,354 |
| Net loans and leases to total assets | 82.6500% | 356 |
| Net loans and leases to deposits | 107.8335% | 200 |
| Net loans and leases to core deposits | 127.1404% | 261 |
| Total domestic deposits to total assets | 76.6400% | 4,212 |
| Equity capital to assets | 11.0860% | 1,227 |
| Core capital (leverage) ratio | 12.4688% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2283% | 1,306 |
| Memoranda: | ||
| Average total assets | $297,928,200 | 2,458 |
| Average earning assets | $279,696,000 | 2,444 |
| Average equity | $35,093,800 | 2,108 |
| Average total loans | $248,469,800 | 1,949 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 216 |
| Cost of funding earning assets | 0.6300% | 372 |
| Net interest margin | 4.3511% | 306 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 3.0777% | 814 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8893% | 2,913 |
| Return on assets (ROA) | 0.8893% | 2,888 |
| Pretax return on assets | 1.1034% | 2,709 |
| Return on Equity (ROE) | 7.4300% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.4271% | 2,222 |
| Net charge-offs to loans | -0.0500% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8674% | 1,398 |
| Assets per employee ($millions) | 8.4349% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,006 |
| Loan loss allowance to noncurrent loans | 131.6497% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 583 |
| Noncurrent loans to loans | 0.8378% | 935 |
| Net loans and leases to total assets | 83.8900% | 255 |
| Net loans and leases to deposits | 107.4578% | 161 |
| Net loans and leases to core deposits | 129.3959% | 154 |
| Total domestic deposits to total assets | 78.0700% | 4,250 |
| Equity capital to assets | 11.4044% | 1,039 |
| Core capital (leverage) ratio | 11.8661% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6513% | 1,249 |
| Memoranda: | ||
| Average total assets | $290,861,250 | 2,511 |
| Average earning assets | $272,355,250 | 2,501 |
| Average equity | $34,826,750 | 2,147 |
| Average total loans | $242,439,000 | 1,985 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 219 |
| Cost of funding earning assets | 0.5607% | 368 |
| Net interest margin | 4.2557% | 298 |
| Noninterest income to average assets | 0.1584% | 4,226 |
| Noninterest expense to average assets | 3.0573% | 779 |
| Loan and lease loss provision to assets | 0.0049% | 2,518 |
| Net operating income to assets | 0.8653% | 2,711 |
| Return on assets (ROA) | 0.8653% | 2,686 |
| Pretax return on assets | 1.0845% | 2,461 |
| Return on Equity (ROE) | 7.1076% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.1076% | 1,954 |
| Net charge-offs to loans | -0.0666% | 4,332 |
| Credit loss provision to net charge-offs | -8.8608% | 2,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7294% | 1,539 |
| Assets per employee ($millions) | 7.9480% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,993 |
| Loan loss allowance to noncurrent loans | 108.1198% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 598 |
| Noncurrent loans to loans | 1.0531% | 788 |
| Net loans and leases to total assets | 80.9889% | 343 |
| Net loans and leases to deposits | 105.8200% | 134 |
| Net loans and leases to core deposits | 134.0787% | 99 |
| Total domestic deposits to total assets | 76.5346% | 4,436 |
| Equity capital to assets | 11.8456% | 925 |
| Core capital (leverage) ratio | 12.6040% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4689% | 1,086 |
| Memoranda: | ||
| Average total assets | $286,596,333 | 2,552 |
| Average earning assets | $268,581,667 | 2,548 |
| Average equity | $34,892,333 | 2,202 |
| Average total loans | $237,393,667 | 2,011 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 214 |
| Cost of funding earning assets | 0.5478% | 380 |
| Net interest margin | 4.1885% | 290 |
| Noninterest income to average assets | 0.1853% | 4,049 |
| Noninterest expense to average assets | 3.1238% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8174% | 2,605 |
| Return on assets (ROA) | 0.8174% | 2,593 |
| Pretax return on assets | 0.9970% | 2,450 |
| Return on Equity (ROE) | 6.6207% | 3,150 |
| Retained earnings to average equity (ytd only) | 6.6207% | 2,021 |
| Net charge-offs to loans | -0.1307% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8065% | 1,552 |
| Assets per employee ($millions) | 7.9407% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,065 |
| Loan loss allowance to noncurrent loans | 103.8754% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 548 |
| Noncurrent loans to loans | 1.1146% | 801 |
| Net loans and leases to total assets | 83.9824% | 86 |
| Net loans and leases to deposits | 113.3015% | 53 |
| Net loans and leases to core deposits | 148.0420% | 44 |
| Total domestic deposits to total assets | 74.1230% | 4,569 |
| Equity capital to assets | 12.4691% | 816 |
| Core capital (leverage) ratio | 12.9338% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9553% | 1,054 |
| Memoranda: | ||
| Average total assets | $282,857,000 | 2,588 |
| Average earning assets | $265,778,500 | 2,578 |
| Average equity | $34,921,000 | 2,259 |
| Average total loans | $235,635,000 | 2,014 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 475 |
| Cost of funding earning assets | 0.6258% | 479 |
| Net interest margin | 4.0017% | 712 |
| Noninterest income to average assets | 0.2231% | 4,037 |
| Noninterest expense to average assets | 2.8666% | 1,227 |
| Loan and lease loss provision to assets | 0.1915% | 579 |
| Net operating income to assets | 0.8955% | 3,059 |
| Return on assets (ROA) | 0.8955% | 3,116 |
| Pretax return on assets | 0.9850% | 3,304 |
| Return on Equity (ROE) | 8.5506% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.5506% | 1,329 |
| Net charge-offs to loans | 0.1344% | 689 |
| Credit loss provision to net charge-offs | 177.1044% | 1,379 |
| Earnings coverage of net charge-offs (x) | 10.8822% | 2,188 |
| Efficiency ratio | 70.9012% | 1,627 |
| Assets per employee ($millions) | 7.7781% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,229 |
| Loan loss allowance to noncurrent loans | 93.3591% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9889% | 569 |
| Noncurrent loans to loans | 1.2104% | 792 |
| Net loans and leases to total assets | 80.7782% | 236 |
| Net loans and leases to deposits | 109.9217% | 80 |
| Net loans and leases to core deposits | 142.1878% | 63 |
| Total domestic deposits to total assets | 73.4871% | 4,600 |
| Equity capital to assets | 12.2267% | 1,160 |
| Core capital (leverage) ratio | 12.5548% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9687% | 1,046 |
| Memoranda: | ||
| Average total assets | $274,712,200 | 2,573 |
| Average earning assets | $262,238,200 | 2,537 |
| Average equity | $28,770,000 | 2,607 |
| Average total loans | $220,950,600 | 2,094 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 525 |
| Cost of funding earning assets | 0.6470% | 501 |
| Net interest margin | 4.0040% | 788 |
| Noninterest income to average assets | 0.2407% | 3,958 |
| Noninterest expense to average assets | 2.8101% | 1,318 |
| Loan and lease loss provision to assets | 0.0939% | 1,269 |
| Net operating income to assets | 0.8895% | 3,276 |
| Return on assets (ROA) | 0.8895% | 3,351 |
| Pretax return on assets | 1.1671% | 3,031 |
| Return on Equity (ROE) | 8.8884% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.8884% | 1,738 |
| Net charge-offs to loans | 0.1141% | 672 |
| Credit loss provision to net charge-offs | 102.6882% | 1,559 |
| Earnings coverage of net charge-offs (x) | 13.8011% | 1,912 |
| Efficiency ratio | 69.0275% | 1,701 |
| Assets per employee ($millions) | 7.8923% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,492 |
| Loan loss allowance to noncurrent loans | 82.6988% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 684 |
| Noncurrent loans to loans | 1.3162% | 817 |
| Net loans and leases to total assets | 73.7198% | 715 |
| Net loans and leases to deposits | 99.6228% | 231 |
| Net loans and leases to core deposits | 127.4566% | 134 |
| Total domestic deposits to total assets | 73.9989% | 4,636 |
| Equity capital to assets | 11.5533% | 1,634 |
| Core capital (leverage) ratio | 12.6787% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7494% | 1,000 |
| Memoranda: | ||
| Average total assets | $271,443,250 | 2,611 |
| Average earning assets | $259,668,000 | 2,571 |
| Average equity | $27,165,750 | 2,740 |
| Average total loans | $217,406,500 | 2,151 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 523 |
| Cost of funding earning assets | 0.6697% | 522 |
| Net interest margin | 4.0465% | 758 |
| Noninterest income to average assets | 0.2550% | 3,867 |
| Noninterest expense to average assets | 2.8241% | 1,305 |
| Loan and lease loss provision to assets | 0.1260% | 997 |
| Net operating income to assets | 0.9261% | 3,139 |
| Return on assets (ROA) | 0.9261% | 3,218 |
| Pretax return on assets | 1.2124% | 2,873 |
| Return on Equity (ROE) | 9.8333% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.8333% | 1,450 |
| Net charge-offs to loans | 0.1727% | 488 |
| Credit loss provision to net charge-offs | 88.7097% | 1,442 |
| Earnings coverage of net charge-offs (x) | 9.4247% | 1,834 |
| Efficiency ratio | 67.8467% | 1,897 |
| Assets per employee ($millions) | 7.9857% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,472 |
| Loan loss allowance to noncurrent loans | 81.2901% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 703 |
| Noncurrent loans to loans | 1.3369% | 875 |
| Net loans and leases to total assets | 78.3790% | 417 |
| Net loans and leases to deposits | 109.1921% | 118 |
| Net loans and leases to core deposits | 143.6675% | 80 |
| Total domestic deposits to total assets | 71.7808% | 4,714 |
| Equity capital to assets | 10.4368% | 2,452 |
| Core capital (leverage) ratio | 11.5738% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7247% | 1,405 |
| Memoranda: | ||
| Average total assets | $261,955,667 | 2,664 |
| Average earning assets | $252,957,667 | 2,612 |
| Average equity | $24,671,333 | 2,897 |
| Average total loans | $215,367,667 | 2,177 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 419 |
| Cost of funding earning assets | 0.7000% | 548 |
| Net interest margin | 4.1917% | 605 |
| Noninterest income to average assets | 0.3128% | 3,534 |
| Noninterest expense to average assets | 2.7300% | 1,550 |
| Loan and lease loss provision to assets | 0.1611% | 782 |
| Net operating income to assets | 1.1533% | 2,324 |
| Return on assets (ROA) | 1.1533% | 2,390 |
| Pretax return on assets | 1.4898% | 2,025 |
| Return on Equity (ROE) | 13.0232% | 1,666 |
| Retained earnings to average equity (ytd only) | 13.0232% | 910 |
| Net charge-offs to loans | 0.3504% | 240 |
| Credit loss provision to net charge-offs | 54.8387% | 1,297 |
| Earnings coverage of net charge-offs (x) | 5.6183% | 1,676 |
| Efficiency ratio | 62.3152% | 2,701 |
| Assets per employee ($millions) | 7.7543% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,471 |
| Loan loss allowance to noncurrent loans | 106.6909% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 1,032 |
| Noncurrent loans to loans | 1.0251% | 1,307 |
| Net loans and leases to total assets | 82.8397% | 189 |
| Net loans and leases to deposits | 112.6636% | 115 |
| Net loans and leases to core deposits | 152.4670% | 72 |
| Total domestic deposits to total assets | 73.5284% | 4,688 |
| Equity capital to assets | 8.9088% | 3,780 |
| Core capital (leverage) ratio | 9.6234% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3408% | 2,144 |
| Memoranda: | ||
| Average total assets | $253,183,000 | 2,710 |
| Average earning assets | $245,721,500 | 2,644 |
| Average equity | $22,421,500 | 3,048 |
| Average total loans | $212,313,000 | 2,201 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 432 |
| Cost of funding earning assets | 1.4019% | 126 |
| Net interest margin | 3.6681% | 1,921 |
| Noninterest income to average assets | 0.2260% | 4,147 |
| Noninterest expense to average assets | 2.9104% | 1,657 |
| Loan and lease loss provision to assets | 0.4438% | 637 |
| Net operating income to assets | 0.3027% | 4,427 |
| Return on assets (ROA) | 0.3027% | 4,497 |
| Pretax return on assets | 0.4333% | 4,370 |
| Return on Equity (ROE) | 3.0722% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.0722% | 3,314 |
| Net charge-offs to loans | 0.0876% | 1,586 |
| Credit loss provision to net charge-offs | 603.7267% | 1,099 |
| Earnings coverage of net charge-offs (x) | 11.9317% | 2,369 |
| Efficiency ratio | 76.8415% | 1,133 |
| Assets per employee ($millions) | 8.3491% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,190 |
| Loan loss allowance to noncurrent loans | 111.5809% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 1,150 |
| Noncurrent loans to loans | 1.0347% | 1,377 |
| Net loans and leases to total assets | 82.9922% | 228 |
| Net loans and leases to deposits | 116.8128% | 94 |
| Net loans and leases to core deposits | 158.2034% | 73 |
| Total domestic deposits to total assets | 71.0472% | 4,750 |
| Equity capital to assets | 8.8017% | 4,221 |
| Core capital (leverage) ratio | 9.7029% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3439% | 2,107 |
| Memoranda: | ||
| Average total assets | $219,004,400 | 2,803 |
| Average earning assets | $212,642,600 | 2,726 |
| Average equity | $21,580,400 | 3,051 |
| Average total loans | $183,688,200 | 2,380 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 452 |
| Cost of funding earning assets | 1.6277% | 66 |
| Net interest margin | 3.5226% | 2,511 |
| Noninterest income to average assets | 0.1977% | 4,292 |
| Noninterest expense to average assets | 2.9812% | 1,484 |
| Loan and lease loss provision to assets | 0.2382% | 1,706 |
| Net operating income to assets | 0.3240% | 4,401 |
| Return on assets (ROA) | 0.3240% | 4,458 |
| Pretax return on assets | 0.4004% | 4,429 |
| Return on Equity (ROE) | 3.1867% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.1867% | 3,437 |
| Net charge-offs to loans | -0.0038% | 3,990 |
| Credit loss provision to net charge-offs | -7,540.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3622% | 712 |
| Assets per employee ($millions) | 8.4264% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 3,649 |
| Loan loss allowance to noncurrent loans | 112.4297% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 1,607 |
| Noncurrent loans to loans | 0.9007% | 1,661 |
| Net loans and leases to total assets | 79.9628% | 623 |
| Net loans and leases to deposits | 115.3155% | 154 |
| Net loans and leases to core deposits | 154.0374% | 100 |
| Total domestic deposits to total assets | 69.3426% | 4,779 |
| Equity capital to assets | 8.9522% | 4,151 |
| Core capital (leverage) ratio | 9.9888% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3817% | 1,701 |
| Memoranda: | ||
| Average total assets | $211,137,250 | 2,839 |
| Average earning assets | $205,106,000 | 2,768 |
| Average equity | $21,464,000 | 3,053 |
| Average total loans | $177,035,000 | 2,432 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 471 |
| Cost of funding earning assets | 1.7418% | 64 |
| Net interest margin | 3.5681% | 2,585 |
| Noninterest income to average assets | 0.1250% | 4,676 |
| Noninterest expense to average assets | 3.0781% | 1,410 |
| Loan and lease loss provision to assets | 0.2849% | 1,510 |
| Net operating income to assets | 0.2229% | 4,540 |
| Return on assets (ROA) | 0.2229% | 4,581 |
| Pretax return on assets | 0.2229% | 4,611 |
| Return on Equity (ROE) | 2.0913% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.0913% | 3,715 |
| Net charge-offs to loans | -0.0059% | 4,056 |
| Credit loss provision to net charge-offs | -5,700.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8377% | 543 |
| Assets per employee ($millions) | 7.6695% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,639 |
| Loan loss allowance to noncurrent loans | 93.3888% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 1,336 |
| Noncurrent loans to loans | 1.0573% | 1,476 |
| Net loans and leases to total assets | 85.9807% | 137 |
| Net loans and leases to deposits | 115.8917% | 129 |
| Net loans and leases to core deposits | 155.9210% | 88 |
| Total domestic deposits to total assets | 74.1906% | 4,581 |
| Equity capital to assets | 9.6882% | 3,494 |
| Core capital (leverage) ratio | 10.0732% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7812% | 1,553 |
| Memoranda: | ||
| Average total assets | $200,061,333 | 2,902 |
| Average earning assets | $194,051,667 | 2,841 |
| Average equity | $21,326,667 | 3,048 |
| Average total loans | $170,246,667 | 2,469 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 352 |
| Cost of funding earning assets | 1.8854% | 55 |
| Net interest margin | 3.6439% | 2,529 |
| Noninterest income to average assets | 0.1165% | 4,767 |
| Noninterest expense to average assets | 3.3777% | 1,102 |
| Loan and lease loss provision to assets | 0.4341% | 694 |
| Net operating income to assets | -0.1673% | 4,834 |
| Return on assets (ROA) | -0.1673% | 4,813 |
| Pretax return on assets | -0.1673% | 4,798 |
| Return on Equity (ROE) | -1.4894% | 4,821 |
| Retained earnings to average equity (ytd only) | -1.4894% | 4,199 |
| Net charge-offs to loans | -0.0076% | 3,977 |
| Credit loss provision to net charge-offs | -6,833.3333% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6787% | 405 |
| Assets per employee ($millions) | 7.1746% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,302 |
| Loan loss allowance to noncurrent loans | 140.9266% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 2,071 |
| Noncurrent loans to loans | 0.7677% | 2,079 |
| Net loans and leases to total assets | 83.0602% | 352 |
| Net loans and leases to deposits | 111.4400% | 168 |
| Net loans and leases to core deposits | 154.5926% | 98 |
| Total domestic deposits to total assets | 74.5336% | 4,617 |
| Equity capital to assets | 10.5596% | 3,269 |
| Core capital (leverage) ratio | 11.4017% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3990% | 1,782 |
| Memoranda: | ||
| Average total assets | $188,884,500 | 2,966 |
| Average earning assets | $182,882,500 | 2,893 |
| Average equity | $21,216,000 | 3,056 |
| Average total loans | $158,799,500 | 2,552 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 431 |
| Cost of funding earning assets | 2.0921% | 38 |
| Net interest margin | 3.5688% | 3,229 |
| Noninterest income to average assets | 0.1985% | 4,473 |
| Noninterest expense to average assets | 3.2929% | 1,313 |
| Loan and lease loss provision to assets | 0.4274% | 325 |
| Net operating income to assets | -0.0831% | 5,000 |
| Return on assets (ROA) | -0.0831% | 5,011 |
| Pretax return on assets | -0.0831% | 5,002 |
| Return on Equity (ROE) | -0.6195% | 5,007 |
| Retained earnings to average equity (ytd only) | -0.6195% | 4,772 |
| Net charge-offs to loans | -0.0016% | 4,209 |
| Credit loss provision to net charge-offs | -34,450.0000% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5355% | 336 |
| Assets per employee ($millions) | 6.5658% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,539 |
| Loan loss allowance to noncurrent loans | 113.5691% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 1,454 |
| Noncurrent loans to loans | 1.0405% | 1,454 |
| Net loans and leases to total assets | 83.3040% | 388 |
| Net loans and leases to deposits | 107.3717% | 249 |
| Net loans and leases to core deposits | 156.0567% | 93 |
| Total domestic deposits to total assets | 77.5847% | 4,418 |
| Equity capital to assets | 12.1923% | 2,020 |
| Core capital (leverage) ratio | 12.3179% | 1,583 |
| Tier 1 risk-based capital ratio | 16.4843% | 2,219 |
| Total risk-based capital ratio | 17.7351% | 2,165 |
| Memoranda: | ||
| Average total assets | $161,225,200 | 3,194 |
| Average earning assets | $155,345,800 | 3,131 |
| Average equity | $21,631,800 | 2,992 |
| Average total loans | $125,603,200 | 2,870 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6079% | 489 |
| Cost of funding earning assets | 2.0850% | 44 |
| Net interest margin | 3.5229% | 3,494 |
| Noninterest income to average assets | 0.2120% | 4,451 |
| Noninterest expense to average assets | 3.2168% | 1,435 |
| Loan and lease loss provision to assets | 0.3121% | 464 |
| Net operating income to assets | 0.0721% | 5,036 |
| Return on assets (ROA) | 0.0721% | 5,053 |
| Pretax return on assets | 0.0721% | 5,053 |
| Return on Equity (ROE) | 0.5238% | 5,051 |
| Retained earnings to average equity (ytd only) | 0.5238% | 4,657 |
| Net charge-offs to loans | -0.0011% | 4,007 |
| Credit loss provision to net charge-offs | -36,800.0000% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3311% | 348 |
| Assets per employee ($millions) | 7.4248% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,458 |
| Loan loss allowance to noncurrent loans | 92.3864% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 1,480 |
| Noncurrent loans to loans | 1.1039% | 1,438 |
| Net loans and leases to total assets | 82.0655% | 562 |
| Net loans and leases to deposits | 104.5859% | 383 |
| Net loans and leases to core deposits | 151.8567% | 118 |
| Total domestic deposits to total assets | 78.4671% | 4,274 |
| Equity capital to assets | 12.7691% | 1,745 |
| Core capital (leverage) ratio | 12.6172% | 1,519 |
| Tier 1 risk-based capital ratio | 17.2821% | 2,003 |
| Total risk-based capital ratio | 18.4285% | 1,986 |
| Memoranda: | ||
| Average total assets | $157,212,500 | 3,259 |
| Average earning assets | $151,234,000 | 3,200 |
| Average equity | $21,636,250 | 3,009 |
| Average total loans | $119,643,000 | 2,976 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 674 |
| Cost of funding earning assets | 1.9744% | 66 |
| Net interest margin | 3.4288% | 3,804 |
| Noninterest income to average assets | 0.2397% | 4,322 |
| Noninterest expense to average assets | 3.2326% | 1,440 |
| Loan and lease loss provision to assets | 0.3798% | 326 |
| Net operating income to assets | -0.0563% | 5,120 |
| Return on assets (ROA) | -0.0563% | 5,126 |
| Pretax return on assets | -0.0563% | 5,122 |
| Return on Equity (ROE) | -0.3985% | 5,123 |
| Retained earnings to average equity (ytd only) | -0.3985% | 4,752 |
| Net charge-offs to loans | -0.0018% | 3,939 |
| Credit loss provision to net charge-offs | -29,000.0000% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9024% | 321 |
| Assets per employee ($millions) | 7.3672% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,310 |
| Loan loss allowance to noncurrent loans | 86.6751% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 1,497 |
| Noncurrent loans to loans | 1.2175% | 1,312 |
| Net loans and leases to total assets | 75.5899% | 1,612 |
| Net loans and leases to deposits | 96.0100% | 1,034 |
| Net loans and leases to core deposits | 139.3005% | 200 |
| Total domestic deposits to total assets | 78.7313% | 4,269 |
| Equity capital to assets | 12.7716% | 1,706 |
| Core capital (leverage) ratio | 12.3673% | 1,601 |
| Tier 1 risk-based capital ratio | 17.9224% | 1,829 |
| Total risk-based capital ratio | 19.0550% | 1,807 |
| Memoranda: | ||
| Average total assets | $152,693,000 | 3,321 |
| Average earning assets | $147,690,000 | 3,245 |
| Average equity | $21,579,670 | 3,011 |
| Average total loans | $112,328,000 | 3,097 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 1,439 |
| Cost of funding earning assets | 1.5140% | 314 |
| Net interest margin | 3.4466% | 3,759 |
| Noninterest income to average assets | 0.2799% | 4,010 |
| Noninterest expense to average assets | 3.4286% | 1,068 |
| Loan and lease loss provision to assets | 0.4629% | 236 |
| Net operating income to assets | -0.2799% | 5,224 |
| Return on assets (ROA) | -0.2799% | 5,219 |
| Pretax return on assets | -0.2799% | 5,211 |
| Return on Equity (ROE) | -1.8748% | 5,212 |
| Retained earnings to average equity (ytd only) | -1.8748% | 4,736 |
| Net charge-offs to loans | -0.0039% | 3,963 |
| Credit loss provision to net charge-offs | -16,700.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9348% | 251 |
| Assets per employee ($millions) | 7.7853% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,123 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 1,460 |
| Noncurrent loans to loans | 1.4009% | 1,153 |
| Net loans and leases to total assets | 62.3708% | 3,468 |
| Net loans and leases to deposits | 78.2702% | 3,033 |
| Net loans and leases to core deposits | 110.1095% | 924 |
| Total domestic deposits to total assets | 79.6865% | 4,223 |
| Equity capital to assets | 12.0215% | 2,007 |
| Core capital (leverage) ratio | 16.7260% | 452 |
| Tier 1 risk-based capital ratio | 18.7290% | 1,604 |
| Total risk-based capital ratio | 19.8106% | 1,602 |
| Memoranda: | ||
| Average total assets | $144,316,500 | 3,459 |
| Average earning assets | $139,501,500 | 3,374 |
| Average equity | $21,549,000 | 3,020 |
| Average total loans | $103,767,000 | 3,260 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5016% | 399 |
| Cost of funding earning assets | 1.0200% | 701 |
| Net interest margin | 4.4817% | 788 |
| Noninterest income to average assets | 0.4927% | 2,870 |
| Noninterest expense to average assets | 4.9487% | 213 |
| Loan and lease loss provision to assets | 0.2357% | 755 |
| Net operating income to assets | -0.4510% | 5,314 |
| Return on assets (ROA) | -0.4510% | 5,307 |
| Pretax return on assets | -0.4510% | 5,307 |
| Return on Equity (ROE) | -3.0102% | 5,291 |
| Retained earnings to average equity (ytd only) | -3.0102% | 5,180 |
| Net charge-offs to loans | 0.0768% | 2,026 |
| Credit loss provision to net charge-offs | 366.6667% | 874 |
| Earnings coverage of net charge-offs (x) | -3.3500% | 3,739 |
| Efficiency ratio | 104.5485% | 108 |
| Assets per employee ($millions) | 4.9805% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,898 |
| Loan loss allowance to noncurrent loans | 104.0658% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 1,193 |
| Noncurrent loans to loans | 1.0919% | 1,491 |
| Net loans and leases to total assets | 85.3637% | 281 |
| Net loans and leases to deposits | 122.9597% | 77 |
| Net loans and leases to core deposits | 129.4718% | 333 |
| Total domestic deposits to total assets | 69.4241% | 5,173 |
| Equity capital to assets | 19.6879% | 242 |
| Core capital (leverage) ratio | 21.3967% | 181 |
| Tier 1 risk-based capital ratio | 24.8427% | 755 |
| Total risk-based capital ratio | 26.0791% | 739 |
| Memoranda: | ||
| Average total assets | $93,358,200 | 4,211 |
| Average earning assets | $88,337,200 | 4,180 |
| Average equity | $13,985,600 | 3,751 |
| Average total loans | $78,078,200 | 3,703 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 376 |
| Cost of funding earning assets | 0.9635% | 704 |
| Net interest margin | 4.5195% | 714 |
| Noninterest income to average assets | 0.5554% | 2,543 |
| Noninterest expense to average assets | 5.1089% | 190 |
| Loan and lease loss provision to assets | 0.1836% | 991 |
| Net operating income to assets | -0.4792% | 5,384 |
| Return on assets (ROA) | -0.4792% | 5,380 |
| Pretax return on assets | -0.4792% | 5,378 |
| Return on Equity (ROE) | -3.5403% | 5,377 |
| Retained earnings to average equity (ytd only) | -3.5403% | 5,272 |
| Net charge-offs to loans | 0.0469% | 2,161 |
| Credit loss provision to net charge-offs | 473.0769% | 734 |
| Earnings coverage of net charge-offs (x) | -7.6144% | 3,463 |
| Efficiency ratio | 106.1414% | 103 |
| Assets per employee ($millions) | 4.6062% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,133 |
| Loan loss allowance to noncurrent loans | 65.6291% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.7936% | 650 |
| Noncurrent loans to loans | 1.9672% | 761 |
| Net loans and leases to total assets | 79.9888% | 1,023 |
| Net loans and leases to deposits | 119.8371% | 102 |
| Net loans and leases to core deposits | 128.8729% | 356 |
| Total domestic deposits to total assets | 66.7480% | 5,311 |
| Equity capital to assets | 21.7955% | 169 |
| Core capital (leverage) ratio | 23.4271% | 130 |
| Tier 1 risk-based capital ratio | 28.4333% | 545 |
| Total risk-based capital ratio | 29.6842% | 537 |
| Memoranda: | ||
| Average total assets | $89,305,250 | 4,318 |
| Average earning assets | $84,136,750 | 4,296 |
| Average equity | $12,089,000 | 4,045 |
| Average total loans | $73,945,750 | 3,831 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 440 |
| Cost of funding earning assets | 0.9320% | 632 |
| Net interest margin | 4.3995% | 850 |
| Noninterest income to average assets | 0.5505% | 2,577 |
| Noninterest expense to average assets | 5.3415% | 177 |
| Loan and lease loss provision to assets | 0.0668% | 2,559 |
| Net operating income to assets | -0.6933% | 5,459 |
| Return on assets (ROA) | -0.6933% | 5,452 |
| Pretax return on assets | -0.6933% | 5,449 |
| Return on Equity (ROE) | -6.6219% | 5,455 |
| Retained earnings to average equity (ytd only) | -6.6219% | 5,346 |
| Net charge-offs to loans | 0.0773% | 1,553 |
| Credit loss provision to net charge-offs | 103.5714% | 1,966 |
| Earnings coverage of net charge-offs (x) | -9.7143% | 3,182 |
| Efficiency ratio | 113.2877% | 82 |
| Assets per employee ($millions) | 4.1712% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,149 |
| Loan loss allowance to noncurrent loans | 57.3935% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.0424% | 520 |
| Noncurrent loans to loans | 2.2714% | 600 |
| Net loans and leases to total assets | 79.1700% | 1,138 |
| Net loans and leases to deposits | 107.4645% | 374 |
| Net loans and leases to core deposits | 118.9153% | 594 |
| Total domestic deposits to total assets | 73.6709% | 5,076 |
| Equity capital to assets | 13.7462% | 1,013 |
| Core capital (leverage) ratio | 14.2712% | 833 |
| Tier 1 risk-based capital ratio | 17.7736% | 1,867 |
| Total risk-based capital ratio | 19.0242% | 1,827 |
| Memoranda: | ||
| Average total assets | $86,830,000 | 4,400 |
| Average earning assets | $82,191,670 | 4,360 |
| Average equity | $9,091,000 | 4,527 |
| Average total loans | $72,465,670 | 3,885 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 435 |
| Cost of funding earning assets | 0.9184% | 543 |
| Net interest margin | 4.3479% | 862 |
| Noninterest income to average assets | 0.3933% | 3,516 |
| Noninterest expense to average assets | 5.5155% | 171 |
| Loan and lease loss provision to assets | 0.0694% | 2,377 |
| Net operating income to assets | -1.0735% | 5,534 |
| Return on assets (ROA) | -1.0735% | 5,533 |
| Pretax return on assets | -1.0735% | 5,535 |
| Return on Equity (ROE) | -12.1849% | 5,544 |
| Retained earnings to average equity (ytd only) | -12.1849% | 5,409 |
| Net charge-offs to loans | 0.1577% | 895 |
| Credit loss provision to net charge-offs | 51.7241% | 1,936 |
| Earnings coverage of net charge-offs (x) | -7.4828% | 2,696 |
| Efficiency ratio | 122.2564% | 60 |
| Assets per employee ($millions) | 4.0715% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,409 |
| Loan loss allowance to noncurrent loans | 55.5145% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 619 |
| Noncurrent loans to loans | 2.2845% | 630 |
| Net loans and leases to total assets | 82.0388% | 661 |
| Net loans and leases to deposits | 101.7789% | 596 |
| Net loans and leases to core deposits | 111.2196% | 930 |
| Total domestic deposits to total assets | 80.6049% | 4,293 |
| Equity capital to assets | 9.0935% | 4,463 |
| Core capital (leverage) ratio | 9.2124% | 4,418 |
| Tier 1 risk-based capital ratio | 11.3009% | 4,979 |
| Total risk-based capital ratio | 12.5514% | 4,869 |
| Memoranda: | ||
| Average total assets | $86,447,500 | 4,452 |
| Average earning assets | $81,878,500 | 4,409 |
| Average equity | $7,616,000 | 4,808 |
| Average total loans | $73,566,000 | 3,889 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2571% | 396 |
| Cost of funding earning assets | 0.8299% | 528 |
| Net interest margin | 4.4272% | 719 |
| Noninterest income to average assets | 0.8541% | 1,399 |
| Noninterest expense to average assets | 5.2183% | 197 |
| Loan and lease loss provision to assets | 0.7804% | 147 |
| Net operating income to assets | -0.9501% | 5,580 |
| Return on assets (ROA) | -0.9407% | 5,580 |
| Pretax return on assets | -0.9407% | 5,590 |
| Return on Equity (ROE) | -12.5097% | 5,612 |
| Retained earnings to average equity (ytd only) | -12.5097% | 5,569 |
| Net charge-offs to loans | 0.7360% | 286 |
| Credit loss provision to net charge-offs | 124.2086% | 2,111 |
| Earnings coverage of net charge-offs (x) | -0.2700% | 4,026 |
| Efficiency ratio | 103.3604% | 139 |
| Assets per employee ($millions) | 3.9725% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,762 |
| Loan loss allowance to noncurrent loans | 53.7603% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.9475% | 589 |
| Noncurrent loans to loans | 2.2369% | 642 |
| Net loans and leases to total assets | 86.0151% | 250 |
| Net loans and leases to deposits | 112.1568% | 212 |
| Net loans and leases to core deposits | 123.4757% | 487 |
| Total domestic deposits to total assets | 76.6918% | 4,897 |
| Equity capital to assets | 8.5326% | 5,098 |
| Core capital (leverage) ratio | 8.7479% | 4,905 |
| Tier 1 risk-based capital ratio | 10.6770% | 5,305 |
| Total risk-based capital ratio | 11.9284% | 5,196 |
| Memoranda: | ||
| Average total assets | $85,468,600 | 4,495 |
| Average earning assets | $80,976,000 | 4,445 |
| Average equity | $6,427,000 | 5,037 |
| Average total loans | $72,964,200 | 3,896 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 386 |
| Cost of funding earning assets | 0.7980% | 584 |
| Net interest margin | 4.4451% | 673 |
| Noninterest income to average assets | 0.5491% | 2,733 |
| Noninterest expense to average assets | 4.6327% | 282 |
| Loan and lease loss provision to assets | 0.0314% | 3,491 |
| Net operating income to assets | 0.0973% | 5,448 |
| Return on assets (ROA) | 0.1067% | 5,453 |
| Pretax return on assets | 0.1067% | 5,458 |
| Return on Equity (ROE) | 1.4695% | 5,379 |
| Retained earnings to average equity (ytd only) | -0.9725% | 5,346 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2982% | 218 |
| Assets per employee ($millions) | 4.0714% | 3,867 |
| Cash dividends to net income (ytd only)* | 166.1813% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,428 |
| Loan loss allowance to noncurrent loans | 61.0311% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.8070% | 763 |
| Noncurrent loans to loans | 1.8217% | 974 |
| Net loans and leases to total assets | 83.7404% | 461 |
| Net loans and leases to deposits | 103.7517% | 510 |
| Net loans and leases to core deposits | 112.0803% | 922 |
| Total domestic deposits to total assets | 80.7123% | 4,130 |
| Equity capital to assets | 7.1614% | 5,650 |
| Core capital (leverage) ratio | 7.7235% | 5,590 |
| Tier 1 risk-based capital ratio | 8.5934% | 5,709 |
| Total risk-based capital ratio | 9.7253% | 5,708 |
| Memoranda: | ||
| Average total assets | $84,987,250 | 4,545 |
| Average earning assets | $80,537,000 | 4,501 |
| Average equity | $6,169,500 | 5,132 |
| Average total loans | $72,183,500 | 3,945 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 342 |
| Cost of funding earning assets | 0.7867% | 563 |
| Net interest margin | 4.5013% | 565 |
| Noninterest income to average assets | 0.7074% | 1,953 |
| Noninterest expense to average assets | 4.5416% | 306 |
| Loan and lease loss provision to assets | 0.0472% | 3,049 |
| Net operating income to assets | 0.3820% | 5,015 |
| Return on assets (ROA) | 0.4009% | 5,007 |
| Pretax return on assets | 0.4009% | 5,174 |
| Return on Equity (ROE) | 5.4972% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.0396% | 3,904 |
| Net charge-offs to loans | 0.0139% | 2,977 |
| Credit loss provision to net charge-offs | 400.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 36.4000% | 1,333 |
| Efficiency ratio | 91.3662% | 384 |
| Assets per employee ($millions) | 4.4003% | 3,269 |
| Cash dividends to net income (ytd only)* | 44.7059% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 3,378 |
| Loan loss allowance to noncurrent loans | 90.7029% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4431% | 1,079 |
| Noncurrent loans to loans | 1.2547% | 1,540 |
| Net loans and leases to total assets | 87.7394% | 161 |
| Net loans and leases to deposits | 98.4320% | 855 |
| Net loans and leases to core deposits | 106.5336% | 1,186 |
| Total domestic deposits to total assets | 89.1370% | 896 |
| Equity capital to assets | 7.8985% | 5,576 |
| Core capital (leverage) ratio | 7.5918% | 5,637 |
| Tier 1 risk-based capital ratio | 9.4132% | 5,715 |
| Total risk-based capital ratio | 10.6179% | 5,709 |
| Memoranda: | ||
| Average total assets | $84,816,330 | 4,575 |
| Average earning assets | $80,332,000 | 4,529 |
| Average equity | $6,185,000 | 5,161 |
| Average total loans | $72,110,330 | 3,973 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 504 |
| Cost of funding earning assets | 0.7592% | 619 |
| Net interest margin | 4.2652% | 858 |
| Noninterest income to average assets | 0.8080% | 1,522 |
| Noninterest expense to average assets | 4.2957% | 385 |
| Loan and lease loss provision to assets | 0.0913% | 2,016 |
| Net operating income to assets | 0.4474% | 4,793 |
| Return on assets (ROA) | 0.4474% | 4,813 |
| Pretax return on assets | 0.4474% | 5,067 |
| Return on Equity (ROE) | 6.3745% | 3,726 |
| Retained earnings to average equity (ytd only) | 3.9028% | 3,497 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8574% | 611 |
| Assets per employee ($millions) | 5.2134% | 2,169 |
| Cash dividends to net income (ytd only)* | 38.7755% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,626 |
| Loan loss allowance to noncurrent loans | 87.7863% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 1,275 |
| Noncurrent loans to loans | 1.2694% | 1,589 |
| Net loans and leases to total assets | 80.6007% | 752 |
| Net loans and leases to deposits | 103.7501% | 410 |
| Net loans and leases to core deposits | 112.4980% | 749 |
| Total domestic deposits to total assets | 77.6874% | 5,013 |
| Equity capital to assets | 7.0159% | 5,753 |
| Core capital (leverage) ratio | 7.2720% | 5,739 |
| Tier 1 risk-based capital ratio | 8.9016% | 5,811 |
| Total risk-based capital ratio | 10.0543% | 5,814 |
| Memoranda: | ||
| Average total assets | $87,622,000 | 4,573 |
| Average earning assets | $82,716,500 | 4,531 |
| Average equity | $6,149,500 | 5,211 |
| Average total loans | $73,018,500 | 3,973 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 365 |
| Cost of funding earning assets | 0.7495% | 635 |
| Net interest margin | 4.5359% | 573 |
| Noninterest income to average assets | 0.9505% | 1,261 |
| Noninterest expense to average assets | 4.6014% | 345 |
| Loan and lease loss provision to assets | 0.0345% | 3,674 |
| Net operating income to assets | 0.5928% | 4,242 |
| Return on assets (ROA) | 0.5940% | 4,342 |
| Pretax return on assets | 0.5940% | 4,804 |
| Return on Equity (ROE) | 8.2858% | 2,794 |
| Retained earnings to average equity (ytd only) | 5.7669% | 1,843 |
| Net charge-offs to loans | 0.0130% | 3,843 |
| Credit loss provision to net charge-offs | 322.2222% | 926 |
| Earnings coverage of net charge-offs (x) | 58.6667% | 909 |
| Efficiency ratio | 88.0027% | 679 |
| Assets per employee ($millions) | 4.8121% | 2,631 |
| Cash dividends to net income (ytd only)* | 30.4000% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,931 |
| Loan loss allowance to noncurrent loans | 71.8864% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.5620% | 1,041 |
| Noncurrent loans to loans | 1.4797% | 1,367 |
| Net loans and leases to total assets | 84.2941% | 360 |
| Net loans and leases to deposits | 107.1971% | 296 |
| Net loans and leases to core deposits | 116.8002% | 581 |
| Total domestic deposits to total assets | 78.6347% | 4,880 |
| Equity capital to assets | 7.0206% | 5,794 |
| Core capital (leverage) ratio | 7.2958% | 5,776 |
| Tier 1 risk-based capital ratio | 9.4354% | 5,823 |
| Total risk-based capital ratio | 10.6384% | 5,827 |
| Memoranda: | ||
| Average total assets | $84,170,000 | 4,647 |
| Average earning assets | $79,389,400 | 4,600 |
| Average equity | $6,034,400 | 5,279 |
| Average total loans | $69,450,800 | 4,058 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3564% | 328 |
| Cost of funding earning assets | 0.7497% | 636 |
| Net interest margin | 4.6067% | 503 |
| Noninterest income to average assets | 0.8664% | 1,525 |
| Noninterest expense to average assets | 4.4902% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7101% | 3,789 |
| Return on assets (ROA) | 0.7117% | 3,919 |
| Pretax return on assets | 0.7117% | 4,579 |
| Return on Equity (ROE) | 9.8734% | 2,106 |
| Retained earnings to average equity (ytd only) | 7.3498% | 1,459 |
| Net charge-offs to loans | 0.0136% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 63.5927% | 911 |
| Efficiency ratio | 86.3455% | 797 |
| Assets per employee ($millions) | 4.9419% | 2,433 |
| Cash dividends to net income (ytd only)* | 25.5613% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,772 |
| Loan loss allowance to noncurrent loans | 210.5556% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 2,596 |
| Noncurrent loans to loans | 0.5281% | 3,411 |
| Net loans and leases to total assets | 80.2316% | 858 |
| Net loans and leases to deposits | 103.1115% | 497 |
| Net loans and leases to core deposits | 113.2419% | 755 |
| Total domestic deposits to total assets | 77.8106% | 4,947 |
| Equity capital to assets | 7.4465% | 5,846 |
| Core capital (leverage) ratio | 7.3036% | 5,851 |
| Tier 1 risk-based capital ratio | 9.4507% | 5,887 |
| Total risk-based capital ratio | 10.6173% | 5,888 |
| Memoranda: | ||
| Average total assets | $83,558,250 | 4,693 |
| Average earning assets | $78,608,750 | 4,649 |
| Average equity | $6,022,750 | 5,329 |
| Average total loans | $68,364,000 | 4,113 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3414% | 329 |
| Cost of funding earning assets | 0.7499% | 632 |
| Net interest margin | 4.5915% | 519 |
| Noninterest income to average assets | 1.1822% | 808 |
| Noninterest expense to average assets | 4.6159% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8824% | 2,953 |
| Return on assets (ROA) | 0.8848% | 3,059 |
| Pretax return on assets | 0.8848% | 4,012 |
| Return on Equity (ROE) | 12.4138% | 1,179 |
| Retained earnings to average equity (ytd only) | 9.8570% | 630 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9512% | 1,056 |
| Assets per employee ($millions) | 4.7809% | 2,586 |
| Cash dividends to net income (ytd only)* | 20.5962% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,993 |
| Loan loss allowance to noncurrent loans | 175.4587% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 2,399 |
| Noncurrent loans to loans | 0.6214% | 3,207 |
| Net loans and leases to total assets | 80.6431% | 803 |
| Net loans and leases to deposits | 101.6493% | 589 |
| Net loans and leases to core deposits | 109.5399% | 952 |
| Total domestic deposits to total assets | 79.3346% | 4,707 |
| Equity capital to assets | 7.2522% | 5,943 |
| Core capital (leverage) ratio | 7.3840% | 5,898 |
| Tier 1 risk-based capital ratio | 9.1611% | 5,986 |
| Total risk-based capital ratio | 10.3096% | 5,994 |
| Memoranda: | ||
| Average total assets | $83,406,670 | 4,735 |
| Average earning assets | $78,406,000 | 4,692 |
| Average equity | $5,945,000 | 5,396 |
| Average total loans | $68,431,000 | 4,130 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3483% | 321 |
| Cost of funding earning assets | 0.7662% | 588 |
| Net interest margin | 4.5821% | 519 |
| Noninterest income to average assets | 0.3411% | 4,291 |
| Noninterest expense to average assets | 4.2202% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4630% | 4,770 |
| Return on assets (ROA) | 0.4630% | 4,855 |
| Pretax return on assets | 0.4630% | 5,173 |
| Return on Equity (ROE) | 6.5551% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.9331% | 3,524 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1145% | 669 |
| Assets per employee ($millions) | 4.5353% | 3,007 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,864 |
| Loan loss allowance to noncurrent loans | 259.3220% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9420% | 2,351 |
| Noncurrent loans to loans | 0.4373% | 3,874 |
| Net loans and leases to total assets | 81.6929% | 601 |
| Net loans and leases to deposits | 88.4061% | 1,784 |
| Net loans and leases to core deposits | 94.3815% | 1,953 |
| Total domestic deposits to total assets | 92.4064% | 71 |
| Equity capital to assets | 7.2371% | 5,989 |
| Core capital (leverage) ratio | 7.0790% | 5,990 |
| Tier 1 risk-based capital ratio | 9.1219% | 6,050 |
| Total risk-based capital ratio | 10.3115% | 6,046 |
| Memoranda: | ||
| Average total assets | $82,081,500 | 4,815 |
| Average earning assets | $77,781,500 | 4,751 |
| Average equity | $5,797,000 | 5,453 |
| Average total loans | $67,564,500 | 4,173 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 375 |
| Cost of funding earning assets | 0.7700% | 583 |
| Net interest margin | 4.5161% | 634 |
| Noninterest income to average assets | 0.2751% | 4,919 |
| Noninterest expense to average assets | 4.3709% | 446 |
| Loan and lease loss provision to assets | -0.0832% | 5,821 |
| Net operating income to assets | 0.2649% | 5,447 |
| Return on assets (ROA) | 0.2649% | 5,526 |
| Pretax return on assets | 0.2649% | 5,588 |
| Return on Equity (ROE) | 3.6578% | 5,083 |
| Retained earnings to average equity (ytd only) | 0.9719% | 5,131 |
| Net charge-offs to loans | 0.0269% | 3,694 |
| Credit loss provision to net charge-offs | -382.3529% | 5,393 |
| Earnings coverage of net charge-offs (x) | 8.3529% | 2,966 |
| Efficiency ratio | 96.0090% | 396 |
| Assets per employee ($millions) | 4.3436% | 3,317 |
| Cash dividends to net income (ytd only)* | 73.4300% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,866 |
| Loan loss allowance to noncurrent loans | 259.3220% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9318% | 2,335 |
| Noncurrent loans to loans | 0.4359% | 3,904 |
| Net loans and leases to total assets | 81.0743% | 700 |
| Net loans and leases to deposits | 94.8458% | 1,125 |
| Net loans and leases to core deposits | 102.0997% | 1,353 |
| Total domestic deposits to total assets | 85.4801% | 2,871 |
| Equity capital to assets | 6.8898% | 6,068 |
| Core capital (leverage) ratio | 7.3975% | 5,994 |
| Tier 1 risk-based capital ratio | 9.7830% | 5,999 |
| Total risk-based capital ratio | 11.0329% | 5,970 |
| Memoranda: | ||
| Average total assets | $78,153,400 | 4,907 |
| Average earning assets | $74,023,800 | 4,856 |
| Average equity | $5,659,200 | 5,514 |
| Average total loans | $63,208,200 | 4,285 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3791% | 332 |
| Cost of funding earning assets | 0.7851% | 538 |
| Net interest margin | 4.5940% | 553 |
| Noninterest income to average assets | 0.1523% | 5,727 |
| Noninterest expense to average assets | 4.4328% | 427 |
| Loan and lease loss provision to assets | -0.1125% | 6,016 |
| Net operating income to assets | 0.1851% | 5,703 |
| Return on assets (ROA) | 0.1851% | 5,761 |
| Pretax return on assets | 0.1851% | 5,809 |
| Return on Equity (ROE) | 2.5238% | 5,547 |
| Retained earnings to average equity (ytd only) | -0.1888% | 5,635 |
| Net charge-offs to loans | 0.0365% | 3,173 |
| Credit loss provision to net charge-offs | -382.3529% | 5,315 |
| Earnings coverage of net charge-offs (x) | 2.4702% | 3,669 |
| Efficiency ratio | 98.3871% | 342 |
| Assets per employee ($millions) | 3.6423% | 4,533 |
| Cash dividends to net income (ytd only)* | 107.4793% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 3,306 |
| Loan loss allowance to noncurrent loans | 97.9513% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6408% | 1,341 |
| Noncurrent loans to loans | 1.2863% | 1,988 |
| Net loans and leases to total assets | 78.3786% | 1,045 |
| Net loans and leases to deposits | 87.3056% | 1,990 |
| Net loans and leases to core deposits | 93.4253% | 2,134 |
| Total domestic deposits to total assets | 89.7750% | 667 |
| Equity capital to assets | 7.3605% | 6,095 |
| Core capital (leverage) ratio | 7.6518% | 6,022 |
| Tier 1 risk-based capital ratio | 9.9219% | 6,067 |
| Total risk-based capital ratio | 11.1723% | 6,024 |
| Memoranda: | ||
| Average total assets | $77,059,750 | 4,980 |
| Average earning assets | $73,021,500 | 4,934 |
| Average equity | $5,652,500 | 5,582 |
| Average total loans | $62,091,750 | 4,357 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 399 |
| Cost of funding earning assets | 0.7929% | 522 |
| Net interest margin | 4.4510% | 691 |
| Noninterest income to average assets | 0.1502% | 5,809 |
| Noninterest expense to average assets | 4.2019% | 541 |
| Loan and lease loss provision to assets | -0.0414% | 6,013 |
| Net operating income to assets | 0.2045% | 5,681 |
| Return on assets (ROA) | 0.2045% | 5,749 |
| Pretax return on assets | 0.2045% | 5,809 |
| Return on Equity (ROE) | 2.7915% | 5,478 |
| Retained earnings to average equity (ytd only) | 0.0707% | 5,482 |
| Net charge-offs to loans | 0.0735% | 2,341 |
| Credit loss provision to net charge-offs | -69.5652% | 4,849 |
| Earnings coverage of net charge-offs (x) | 2.7391% | 3,294 |
| Efficiency ratio | 96.2633% | 432 |
| Assets per employee ($millions) | 3.6047% | 4,618 |
| Cash dividends to net income (ytd only)* | 97.4684% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,100 |
| Loan loss allowance to noncurrent loans | 81.9473% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.9287% | 1,159 |
| Noncurrent loans to loans | 1.6192% | 1,617 |
| Net loans and leases to total assets | 79.3773% | 888 |
| Net loans and leases to deposits | 88.4113% | 1,778 |
| Net loans and leases to core deposits | 95.4671% | 1,849 |
| Total domestic deposits to total assets | 89.7818% | 753 |
| Equity capital to assets | 7.3608% | 6,136 |
| Core capital (leverage) ratio | 7.4661% | 6,108 |
| Tier 1 risk-based capital ratio | 9.7994% | 6,146 |
| Total risk-based capital ratio | 11.0508% | 6,101 |
| Memoranda: | ||
| Average total assets | $77,250,000 | 5,032 |
| Average earning assets | $73,151,330 | 4,977 |
| Average equity | $5,660,000 | 5,633 |
| Average total loans | $62,550,330 | 4,387 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 437 |
| Cost of funding earning assets | 0.7851% | 551 |
| Net interest margin | 4.3750% | 773 |
| Noninterest income to average assets | 0.1435% | 5,890 |
| Noninterest expense to average assets | 4.3011% | 499 |
| Loan and lease loss provision to assets | -0.0820% | 6,190 |
| Net operating income to assets | 0.0666% | 5,933 |
| Return on assets (ROA) | 0.0666% | 5,983 |
| Pretax return on assets | 0.0666% | 5,981 |
| Return on Equity (ROE) | 0.9116% | 5,927 |
| Retained earnings to average equity (ytd only) | -1.7532% | 5,657 |
| Net charge-offs to loans | -0.1010% | 5,861 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3589% | 358 |
| Assets per employee ($millions) | 3.6734% | 4,571 |
| Cash dividends to net income (ytd only)* | 292.3077% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 3,017 |
| Loan loss allowance to noncurrent loans | 85.9026% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8926% | 1,282 |
| Noncurrent loans to loans | 1.6071% | 1,735 |
| Net loans and leases to total assets | 78.4320% | 866 |
| Net loans and leases to deposits | 85.0038% | 1,950 |
| Net loans and leases to core deposits | 91.4386% | 1,991 |
| Total domestic deposits to total assets | 92.2688% | 121 |
| Equity capital to assets | 7.4253% | 6,193 |
| Core capital (leverage) ratio | 7.3988% | 6,174 |
| Tier 1 risk-based capital ratio | 9.6794% | 6,238 |
| Total risk-based capital ratio | 10.9293% | 6,210 |
| Memoranda: | ||
| Average total assets | $78,026,000 | 5,072 |
| Average earning assets | $73,874,000 | 5,005 |
| Average equity | $5,704,000 | 5,672 |
| Average total loans | $63,378,000 | 4,384 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 329 |
| Cost of funding earning assets | 0.7174% | 1,021 |
| Net interest margin | 4.7641% | 464 |
| Noninterest income to average assets | 0.2702% | 5,190 |
| Noninterest expense to average assets | 4.3951% | 506 |
| Loan and lease loss provision to assets | -0.0974% | 6,142 |
| Net operating income to assets | 0.4662% | 4,939 |
| Return on assets (ROA) | 0.4662% | 5,042 |
| Pretax return on assets | 0.4662% | 5,338 |
| Return on Equity (ROE) | 7.1309% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.3009% | 3,128 |
| Net charge-offs to loans | 0.0467% | 3,891 |
| Credit loss provision to net charge-offs | -266.6667% | 5,684 |
| Earnings coverage of net charge-offs (x) | 10.1000% | 2,656 |
| Efficiency ratio | 92.2586% | 689 |
| Assets per employee ($millions) | 4.1532% | 3,630 |
| Cash dividends to net income (ytd only)* | 39.6867% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 3,452 |
| Loan loss allowance to noncurrent loans | 130.3077% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 1,878 |
| Noncurrent loans to loans | 0.9938% | 2,843 |
| Net loans and leases to total assets | 81.8122% | 542 |
| Net loans and leases to deposits | 89.9199% | 1,525 |
| Net loans and leases to core deposits | 95.5778% | 1,761 |
| Total domestic deposits to total assets | 90.9834% | 371 |
| Equity capital to assets | 7.1981% | 6,304 |
| Core capital (leverage) ratio | 7.1644% | 6,282 |
| Tier 1 risk-based capital ratio | 9.6134% | 6,337 |
| Total risk-based capital ratio | 10.8649% | 6,315 |
| Memoranda: | ||
| Average total assets | $82,158,800 | 5,008 |
| Average earning assets | $77,497,000 | 4,942 |
| Average equity | $5,371,000 | 5,770 |
| Average total loans | $64,304,600 | 4,354 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5480% | 298 |
| Cost of funding earning assets | 0.7007% | 1,150 |
| Net interest margin | 4.8472% | 383 |
| Noninterest income to average assets | 0.2941% | 5,092 |
| Noninterest expense to average assets | 4.3227% | 544 |
| Loan and lease loss provision to assets | 0.0064% | 4,290 |
| Net operating income to assets | 0.5335% | 4,747 |
| Return on assets (ROA) | 0.5335% | 4,818 |
| Pretax return on assets | 0.5335% | 5,223 |
| Return on Equity (ROE) | 8.3619% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.4655% | 2,786 |
| Net charge-offs to loans | 0.0625% | 3,312 |
| Credit loss provision to net charge-offs | 13.3333% | 3,664 |
| Earnings coverage of net charge-offs (x) | 11.1998% | 2,452 |
| Efficiency ratio | 88.8962% | 931 |
| Assets per employee ($millions) | 4.1839% | 3,520 |
| Cash dividends to net income (ytd only)* | 34.6383% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,780 |
| Loan loss allowance to noncurrent loans | 143.2308% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 2,141 |
| Noncurrent loans to loans | 1.0393% | 2,995 |
| Net loans and leases to total assets | 77.5055% | 1,020 |
| Net loans and leases to deposits | 83.5804% | 2,214 |
| Net loans and leases to core deposits | 88.8769% | 2,338 |
| Total domestic deposits to total assets | 92.7316% | 97 |
| Equity capital to assets | 6.9602% | 6,385 |
| Core capital (leverage) ratio | 7.1334% | 6,366 |
| Tier 1 risk-based capital ratio | 9.7077% | 6,406 |
| Total risk-based capital ratio | 10.9603% | 6,374 |
| Memoranda: | ||
| Average total assets | $82,971,000 | 5,043 |
| Average earning assets | $78,200,500 | 4,975 |
| Average equity | $5,293,750 | 5,847 |
| Average total loans | $64,029,500 | 4,399 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5944% | 268 |
| Cost of funding earning assets | 0.6813% | 1,304 |
| Net interest margin | 4.9131% | 339 |
| Noninterest income to average assets | 0.2924% | 5,081 |
| Noninterest expense to average assets | 4.3195% | 541 |
| Loan and lease loss provision to assets | 0.0095% | 4,044 |
| Net operating income to assets | 0.5919% | 4,394 |
| Return on assets (ROA) | 0.5919% | 4,489 |
| Pretax return on assets | 0.5919% | 4,977 |
| Return on Equity (ROE) | 9.5512% | 2,353 |
| Retained earnings to average equity (ytd only) | 6.6360% | 1,958 |
| Net charge-offs to loans | 0.0930% | 2,749 |
| Credit loss provision to net charge-offs | 13.3333% | 3,276 |
| Earnings coverage of net charge-offs (x) | 8.4333% | 2,494 |
| Efficiency ratio | 87.7778% | 1,107 |
| Assets per employee ($millions) | 3.9909% | 3,856 |
| Cash dividends to net income (ytd only)* | 30.5221% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,703 |
| Loan loss allowance to noncurrent loans | 592.9936% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 3,633 |
| Noncurrent loans to loans | 0.2602% | 5,238 |
| Net loans and leases to total assets | 70.8921% | 1,932 |
| Net loans and leases to deposits | 76.0412% | 3,053 |
| Net loans and leases to core deposits | 79.7300% | 3,242 |
| Total domestic deposits to total assets | 93.2287% | 73 |
| Equity capital to assets | 6.5267% | 6,494 |
| Core capital (leverage) ratio | 6.9632% | 6,438 |
| Tier 1 risk-based capital ratio | 9.7194% | 6,465 |
| Total risk-based capital ratio | 10.9728% | 6,447 |
| Memoranda: | ||
| Average total assets | $84,129,670 | 5,058 |
| Average earning assets | $79,257,330 | 5,000 |
| Average equity | $5,214,000 | 5,910 |
| Average total loans | $64,524,670 | 4,407 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 234 |
| Cost of funding earning assets | 0.6800% | 1,360 |
| Net interest margin | 4.9969% | 276 |
| Noninterest income to average assets | 0.3512% | 4,566 |
| Noninterest expense to average assets | 4.2947% | 554 |
| Loan and lease loss provision to assets | 0.0190% | 3,581 |
| Net operating income to assets | 0.7450% | 3,455 |
| Return on assets (ROA) | 0.7450% | 3,537 |
| Pretax return on assets | 0.7450% | 4,329 |
| Return on Equity (ROE) | 12.3476% | 1,328 |
| Retained earnings to average equity (ytd only) | 9.3590% | 1,144 |
| Net charge-offs to loans | -0.0360% | 5,662 |
| Credit loss provision to net charge-offs | -66.6667% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8968% | 1,566 |
| Assets per employee ($millions) | 4.1341% | 3,653 |
| Cash dividends to net income (ytd only)* | 24.2038% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 2,955 |
| Loan loss allowance to noncurrent loans | 129.9731% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5287% | 2,314 |
| Noncurrent loans to loans | 1.1881% | 3,059 |
| Net loans and leases to total assets | 74.5676% | 1,176 |
| Net loans and leases to deposits | 79.8451% | 2,308 |
| Net loans and leases to core deposits | 84.4402% | 2,466 |
| Total domestic deposits to total assets | 93.3903% | 83 |
| Equity capital to assets | 6.3569% | 6,539 |
| Core capital (leverage) ratio | 6.8713% | 6,495 |
| Tier 1 risk-based capital ratio | 9.3583% | 6,572 |
| Total risk-based capital ratio | 10.6111% | 6,558 |
| Memoranda: | ||
| Average total assets | $84,290,000 | 5,109 |
| Average earning assets | $79,409,000 | 5,041 |
| Average equity | $5,086,000 | 5,975 |
| Average total loans | $66,614,500 | 4,370 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1529% | 135 |
| Cost of funding earning assets | 0.8124% | 1,145 |
| Net interest margin | 5.3404% | 174 |
| Noninterest income to average assets | 0.2900% | 5,280 |
| Noninterest expense to average assets | 6.0099% | 198 |
| Loan and lease loss provision to assets | 1.3422% | 117 |
| Net operating income to assets | -2.0811% | 6,723 |
| Return on assets (ROA) | -2.0811% | 6,722 |
| Pretax return on assets | -2.0811% | 6,715 |
| Return on Equity (ROE) | -29.5398% | 6,721 |
| Retained earnings to average equity (ytd only) | -31.0065% | 6,723 |
| Net charge-offs to loans | 1.6850% | 259 |
| Credit loss provision to net charge-offs | 97.7346% | 2,542 |
| Earnings coverage of net charge-offs (x) | -0.5380% | 5,205 |
| Efficiency ratio | 114.0177% | 228 |
| Assets per employee ($millions) | 3.0678% | 5,731 |
| Cash dividends to net income (ytd only)* | -4.9653% | 6,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 3,865 |
| Loan loss allowance to noncurrent loans | 158.9701% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 3,472 |
| Noncurrent loans to loans | 0.8526% | 3,846 |
| Net loans and leases to total assets | 81.0857% | 486 |
| Net loans and leases to deposits | 86.2989% | 1,646 |
| Net loans and leases to core deposits | 91.0304% | 1,902 |
| Total domestic deposits to total assets | 93.9591% | 84 |
| Equity capital to assets | 5.7231% | 6,642 |
| Core capital (leverage) ratio | 6.3947% | 6,608 |
| Tier 1 risk-based capital ratio | 8.2862% | 6,687 |
| Total risk-based capital ratio | 9.5382% | 6,688 |
| Memoranda: | ||
| Average total assets | $90,001,400 | 4,982 |
| Average earning assets | $83,944,400 | 4,932 |
| Average equity | $6,340,600 | 5,731 |
| Average total loans | $73,354,600 | 4,154 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0458% | 165 |
| Cost of funding earning assets | 0.8338% | 1,133 |
| Net interest margin | 5.2120% | 214 |
| Noninterest income to average assets | 0.2929% | 5,357 |
| Noninterest expense to average assets | 6.1504% | 190 |
| Loan and lease loss provision to assets | 1.7401% | 56 |
| Net operating income to assets | -2.7449% | 6,835 |
| Return on assets (ROA) | -2.7449% | 6,837 |
| Pretax return on assets | -2.7449% | 6,833 |
| Return on Equity (ROE) | -37.3106% | 6,842 |
| Retained earnings to average equity (ytd only) | -38.5650% | 6,842 |
| Net charge-offs to loans | 2.2257% | 155 |
| Credit loss provision to net charge-offs | 96.1165% | 2,483 |
| Earnings coverage of net charge-offs (x) | -0.5550% | 4,958 |
| Efficiency ratio | 119.5275% | 176 |
| Assets per employee ($millions) | 3.0851% | 5,707 |
| Cash dividends to net income (ytd only)* | -3.3619% | 6,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 4,594 |
| Loan loss allowance to noncurrent loans | 201.0730% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 4,079 |
| Noncurrent loans to loans | 0.6266% | 4,633 |
| Net loans and leases to total assets | 82.0698% | 366 |
| Net loans and leases to deposits | 87.4506% | 1,433 |
| Net loans and leases to core deposits | 92.9103% | 1,687 |
| Total domestic deposits to total assets | 93.8470% | 79 |
| Equity capital to assets | 5.5438% | 6,734 |
| Core capital (leverage) ratio | 6.1553% | 6,700 |
| Tier 1 risk-based capital ratio | 7.4064% | 6,784 |
| Total risk-based capital ratio | 8.6525% | 6,782 |
| Memoranda: | ||
| Average total assets | $91,027,250 | 5,003 |
| Average earning assets | $84,750,250 | 4,957 |
| Average equity | $6,696,750 | 5,717 |
| Average total loans | $74,041,250 | 4,151 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0111% | 180 |
| Cost of funding earning assets | 0.8382% | 1,213 |
| Net interest margin | 5.1729% | 219 |
| Noninterest income to average assets | 0.6925% | 2,675 |
| Noninterest expense to average assets | 5.2170% | 305 |
| Loan and lease loss provision to assets | 0.1529% | 2,407 |
| Net operating income to assets | 0.1223% | 6,080 |
| Return on assets (ROA) | 0.1223% | 6,176 |
| Pretax return on assets | 0.1223% | 6,198 |
| Return on Equity (ROE) | 1.5394% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.3848% | 5,740 |
| Net charge-offs to loans | 0.1001% | 3,362 |
| Credit loss provision to net charge-offs | 189.1892% | 1,261 |
| Earnings coverage of net charge-offs (x) | 3.4054% | 3,395 |
| Efficiency ratio | 94.9881% | 709 |
| Assets per employee ($millions) | 3.3442% | 5,182 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 4,225 |
| Loan loss allowance to noncurrent loans | 60.8852% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 3.7866% | 965 |
| Noncurrent loans to loans | 2.2304% | 2,134 |
| Net loans and leases to total assets | 81.8945% | 364 |
| Net loans and leases to deposits | 90.7034% | 1,080 |
| Net loans and leases to core deposits | 100.9984% | 1,007 |
| Total domestic deposits to total assets | 90.2883% | 869 |
| Equity capital to assets | 7.7658% | 6,332 |
| Core capital (leverage) ratio | 8.1337% | 6,074 |
| Tier 1 risk-based capital ratio | 9.2860% | 6,742 |
| Total risk-based capital ratio | 10.5431% | 6,730 |
| Memoranda: | ||
| Average total assets | $91,546,670 | 5,019 |
| Average earning assets | $84,943,000 | 4,984 |
| Average equity | $7,275,670 | 5,607 |
| Average total loans | $73,933,670 | 4,174 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8900% | 199 |
| Cost of funding earning assets | 0.8234% | 1,405 |
| Net interest margin | 5.0666% | 254 |
| Noninterest income to average assets | 0.6206% | 3,025 |
| Noninterest expense to average assets | 5.0427% | 356 |
| Loan and lease loss provision to assets | 0.1302% | 2,618 |
| Net operating income to assets | 0.1475% | 6,047 |
| Return on assets (ROA) | 0.1475% | 6,142 |
| Pretax return on assets | 0.1475% | 6,177 |
| Return on Equity (ROE) | 1.8360% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.7020% | 5,544 |
| Net charge-offs to loans | 0.2016% | 2,208 |
| Credit loss provision to net charge-offs | 81.0811% | 2,147 |
| Earnings coverage of net charge-offs (x) | 1.7297% | 3,257 |
| Efficiency ratio | 94.7798% | 793 |
| Assets per employee ($millions) | 3.0295% | 5,933 |
| Cash dividends to net income (ytd only)* | 61.7647% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,540 |
| Loan loss allowance to noncurrent loans | 60.1476% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 3.7597% | 1,099 |
| Noncurrent loans to loans | 2.2178% | 2,368 |
| Net loans and leases to total assets | 77.0231% | 719 |
| Net loans and leases to deposits | 85.3745% | 1,435 |
| Net loans and leases to core deposits | 94.1447% | 1,338 |
| Total domestic deposits to total assets | 90.2179% | 926 |
| Equity capital to assets | 7.8964% | 6,434 |
| Core capital (leverage) ratio | 8.2841% | 5,845 |
| Tier 1 risk-based capital ratio | 8.8188% | 6,824 |
| Total risk-based capital ratio | 9.9659% | 6,833 |
| Memoranda: | ||
| Average total assets | $92,173,500 | 5,046 |
| Average earning assets | $85,501,500 | 4,996 |
| Average equity | $7,407,500 | 5,639 |
| Average total loans | $73,419,000 | 4,220 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6521% | 461 |
| Cost of funding earning assets | 0.9739% | 1,499 |
| Net interest margin | 4.6783% | 675 |
| Noninterest income to average assets | 1.0228% | 1,472 |
| Noninterest expense to average assets | 5.4726% | 275 |
| Loan and lease loss provision to assets | 0.0793% | 4,714 |
| Net operating income to assets | -0.1641% | 6,351 |
| Return on assets (ROA) | -0.0370% | 6,332 |
| Pretax return on assets | -0.0370% | 6,315 |
| Return on Equity (ROE) | -0.4567% | 6,347 |
| Retained earnings to average equity (ytd only) | -1.5983% | 6,103 |
| Net charge-offs to loans | 0.0734% | 4,950 |
| Credit loss provision to net charge-offs | 137.7358% | 2,002 |
| Earnings coverage of net charge-offs (x) | -1.4717% | 5,804 |
| Efficiency ratio | 101.5735% | 504 |
| Assets per employee ($millions) | 3.0144% | 5,993 |
| Cash dividends to net income (ytd only)* | -250.0000% | 7,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 4,458 |
| Loan loss allowance to noncurrent loans | 59.5526% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 3.9356% | 1,097 |
| Noncurrent loans to loans | 2.2496% | 2,404 |
| Net loans and leases to total assets | 80.2136% | 452 |
| Net loans and leases to deposits | 89.2435% | 1,140 |
| Net loans and leases to core deposits | 97.5878% | 1,175 |
| Total domestic deposits to total assets | 89.8818% | 1,021 |
| Equity capital to assets | 8.1819% | 6,295 |
| Core capital (leverage) ratio | 8.5189% | 5,584 |
| Tier 1 risk-based capital ratio | 9.4615% | 6,810 |
| Total risk-based capital ratio | 10.7034% | 6,805 |
| Memoranda: | ||
| Average total assets | $92,004,000 | 5,025 |
| Average earning assets | $85,843,800 | 4,966 |
| Average equity | $7,445,400 | 5,654 |
| Average total loans | $72,221,600 | 4,267 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5309% | 640 |
| Cost of funding earning assets | 1.0107% | 1,496 |
| Net interest margin | 4.5202% | 953 |
| Noninterest income to average assets | 1.1775% | 1,092 |
| Noninterest expense to average assets | 5.5166% | 264 |
| Loan and lease loss provision to assets | 0.0620% | 4,937 |
| Net operating income to assets | -0.1804% | 6,485 |
| Return on assets (ROA) | -0.0736% | 6,481 |
| Pretax return on assets | -0.0736% | 6,462 |
| Return on Equity (ROE) | -0.9119% | 6,497 |
| Retained earnings to average equity (ytd only) | -2.0384% | 6,401 |
| Net charge-offs to loans | 0.0334% | 5,179 |
| Credit loss provision to net charge-offs | 238.8889% | 1,157 |
| Earnings coverage of net charge-offs (x) | -4.5554% | 5,699 |
| Efficiency ratio | 102.1919% | 473 |
| Assets per employee ($millions) | 2.9087% | 6,204 |
| Cash dividends to net income (ytd only)* | -123.5294% | 7,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 4,422 |
| Loan loss allowance to noncurrent loans | 33.6277% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 3.9892% | 1,208 |
| Noncurrent loans to loans | 4.1331% | 1,212 |
| Net loans and leases to total assets | 80.4941% | 471 |
| Net loans and leases to deposits | 89.7682% | 1,174 |
| Net loans and leases to core deposits | 98.1225% | 1,256 |
| Total domestic deposits to total assets | 89.6689% | 1,037 |
| Equity capital to assets | 8.4815% | 6,278 |
| Core capital (leverage) ratio | 8.1986% | 6,144 |
| Tier 1 risk-based capital ratio | 9.5567% | 6,891 |
| Total risk-based capital ratio | 10.7117% | 6,894 |
| Memoranda: | ||
| Average total assets | $92,397,250 | 5,068 |
| Average earning assets | $86,277,000 | 5,007 |
| Average equity | $7,457,000 | 5,707 |
| Average total loans | $71,896,250 | 4,328 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 822 |
| Cost of funding earning assets | 1.0140% | 1,683 |
| Net interest margin | 4.4159% | 1,161 |
| Noninterest income to average assets | 1.2794% | 869 |
| Noninterest expense to average assets | 5.5361% | 267 |
| Loan and lease loss provision to assets | 0.0276% | 5,324 |
| Net operating income to assets | -0.1658% | 6,507 |
| Return on assets (ROA) | -0.1318% | 6,559 |
| Pretax return on assets | -0.1318% | 6,541 |
| Return on Equity (ROE) | -1.6587% | 6,596 |
| Retained earnings to average equity (ytd only) | -2.7824% | 6,441 |
| Net charge-offs to loans | -0.1165% | 6,884 |
| Credit loss provision to net charge-offs | -30.9524% | 5,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5591% | 473 |
| Assets per employee ($millions) | 2.8397% | 6,341 |
| Cash dividends to net income (ytd only)* | -67.7419% | 7,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,201 |
| Loan loss allowance to noncurrent loans | 31.2213% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 4.5096% | 1,103 |
| Noncurrent loans to loans | 4.6796% | 1,107 |
| Net loans and leases to total assets | 73.4108% | 1,340 |
| Net loans and leases to deposits | 81.7439% | 2,148 |
| Net loans and leases to core deposits | 88.0766% | 2,199 |
| Total domestic deposits to total assets | 89.8059% | 1,043 |
| Equity capital to assets | 7.8422% | 6,657 |
| Core capital (leverage) ratio | 8.0003% | 6,275 |
| Tier 1 risk-based capital ratio | 9.0273% | 6,981 |
| Total risk-based capital ratio | 10.2532% | 6,985 |
| Memoranda: | ||
| Average total assets | $94,109,330 | 5,066 |
| Average earning assets | $87,773,330 | 4,996 |
| Average equity | $7,475,670 | 5,718 |
| Average total loans | $72,118,330 | 4,343 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 1,190 |
| Cost of funding earning assets | 0.9892% | 2,040 |
| Net interest margin | 4.2714% | 1,559 |
| Noninterest income to average assets | 1.4039% | 731 |
| Noninterest expense to average assets | 5.5562% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1781% | 6,608 |
| Return on assets (ROA) | -0.1781% | 6,666 |
| Pretax return on assets | -0.1781% | 6,648 |
| Return on Equity (ROE) | -2.2284% | 6,707 |
| Retained earnings to average equity (ytd only) | -3.3426% | 6,432 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3123% | 461 |
| Assets per employee ($millions) | 2.5878% | 6,758 |
| Cash dividends to net income (ytd only)* | -50.0000% | 7,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 4,791 |
| Loan loss allowance to noncurrent loans | 39.8431% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 3.8568% | 1,447 |
| Noncurrent loans to loans | 3.3957% | 1,857 |
| Net loans and leases to total assets | 75.5252% | 860 |
| Net loans and leases to deposits | 84.3898% | 1,614 |
| Net loans and leases to core deposits | 93.0269% | 1,545 |
| Total domestic deposits to total assets | 89.4956% | 1,373 |
| Equity capital to assets | 8.0302% | 6,504 |
| Core capital (leverage) ratio | 8.2119% | 6,011 |
| Tier 1 risk-based capital ratio | 10.2963% | 6,795 |
| Total risk-based capital ratio | 11.5465% | 6,800 |
| Memoranda: | ||
| Average total assets | $94,308,500 | 5,093 |
| Average earning assets | $87,745,500 | 5,033 |
| Average equity | $7,539,000 | 5,726 |
| Average total loans | $73,270,500 | 4,337 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7664% | 683 |
| Cost of funding earning assets | 1.3527% | 1,226 |
| Net interest margin | 4.4137% | 1,364 |
| Noninterest income to average assets | 0.4257% | 4,398 |
| Noninterest expense to average assets | 5.3311% | 291 |
| Loan and lease loss provision to assets | 0.0635% | 5,817 |
| Net operating income to assets | -0.8263% | 6,669 |
| Return on assets (ROA) | -0.7508% | 6,667 |
| Pretax return on assets | -0.7508% | 6,624 |
| Return on Equity (ROE) | -9.1494% | 6,718 |
| Retained earnings to average equity (ytd only) | -10.2830% | 6,711 |
| Net charge-offs to loans | 0.1114% | 5,259 |
| Credit loss provision to net charge-offs | 71.6049% | 4,791 |
| Earnings coverage of net charge-offs (x) | -8.6049% | 6,389 |
| Efficiency ratio | 116.6986% | 338 |
| Assets per employee ($millions) | 2.7273% | 6,566 |
| Cash dividends to net income (ytd only)* | -12.3907% | 7,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 5,007 |
| Loan loss allowance to noncurrent loans | 30.9990% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 3.6938% | 1,586 |
| Noncurrent loans to loans | 4.1387% | 1,493 |
| Net loans and leases to total assets | 77.7856% | 733 |
| Net loans and leases to deposits | 86.9714% | 1,533 |
| Net loans and leases to core deposits | 97.7025% | 1,357 |
| Total domestic deposits to total assets | 89.4381% | 1,299 |
| Equity capital to assets | 7.9586% | 6,601 |
| Core capital (leverage) ratio | 8.1071% | 6,134 |
| Tier 1 risk-based capital ratio | 10.3885% | 6,737 |
| Total risk-based capital ratio | 11.6387% | 6,713 |
| Memoranda: | ||
| Average total assets | $91,369,000 | 5,150 |
| Average earning assets | $85,755,400 | 5,060 |
| Average equity | $7,497,800 | 5,720 |
| Average total loans | $72,697,600 | 4,391 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8519% | 621 |
| Cost of funding earning assets | 1.3987% | 1,238 |
| Net interest margin | 4.4532% | 1,269 |
| Noninterest income to average assets | 0.3999% | 4,668 |
| Noninterest expense to average assets | 4.8095% | 433 |
| Loan and lease loss provision to assets | 0.0679% | 5,604 |
| Net operating income to assets | -0.2863% | 6,470 |
| Return on assets (ROA) | -0.1845% | 6,448 |
| Pretax return on assets | -0.1845% | 6,398 |
| Return on Equity (ROE) | -2.2302% | 6,499 |
| Retained earnings to average equity (ytd only) | -3.3720% | 6,460 |
| Net charge-offs to loans | 0.0111% | 5,998 |
| Credit loss provision to net charge-offs | 766.6667% | 350 |
| Earnings coverage of net charge-offs (x) | -24.6663% | 6,157 |
| Efficiency ratio | 104.7573% | 531 |
| Assets per employee ($millions) | 3.0124% | 6,091 |
| Cash dividends to net income (ytd only)* | -51.2000% | 7,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 4,375 |
| Loan loss allowance to noncurrent loans | 39.2666% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 3.4942% | 1,806 |
| Noncurrent loans to loans | 3.6667% | 1,869 |
| Net loans and leases to total assets | 75.3577% | 1,081 |
| Net loans and leases to deposits | 86.9950% | 1,556 |
| Net loans and leases to core deposits | 101.2722% | 1,134 |
| Total domestic deposits to total assets | 86.6230% | 2,871 |
| Equity capital to assets | 8.7992% | 5,980 |
| Core capital (leverage) ratio | 8.9843% | 4,962 |
| Tier 1 risk-based capital ratio | 11.9428% | 5,932 |
| Total risk-based capital ratio | 13.1952% | 5,916 |
| Memoranda: | ||
| Average total assets | $90,347,250 | 5,215 |
| Average earning assets | $85,030,750 | 5,122 |
| Average equity | $7,473,000 | 5,756 |
| Average total loans | $72,068,000 | 4,457 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8962% | 585 |
| Cost of funding earning assets | 1.4277% | 1,294 |
| Net interest margin | 4.4685% | 1,207 |
| Noninterest income to average assets | 0.2597% | 5,791 |
| Noninterest expense to average assets | 4.4417% | 635 |
| Loan and lease loss provision to assets | 0.0627% | 5,515 |
| Net operating income to assets | -0.0336% | 6,275 |
| Return on assets (ROA) | 0.0022% | 6,299 |
| Pretax return on assets | 0.0022% | 6,265 |
| Return on Equity (ROE) | 0.0277% | 6,298 |
| Retained earnings to average equity (ytd only) | -1.1349% | 6,076 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3490% | 741 |
| Assets per employee ($millions) | 4.1570% | 3,433 |
| Cash dividends to net income (ytd only)* | 4,200.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 4,430 |
| Loan loss allowance to noncurrent loans | 38.1525% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 3.6488% | 1,793 |
| Noncurrent loans to loans | 3.7544% | 1,868 |
| Net loans and leases to total assets | 76.4463% | 1,012 |
| Net loans and leases to deposits | 88.6412% | 1,410 |
| Net loans and leases to core deposits | 98.5009% | 1,469 |
| Total domestic deposits to total assets | 86.2424% | 3,187 |
| Equity capital to assets | 8.1548% | 6,549 |
| Core capital (leverage) ratio | 8.2615% | 5,927 |
| Tier 1 risk-based capital ratio | 11.0933% | 6,451 |
| Total risk-based capital ratio | 12.3455% | 6,443 |
| Memoranda: | ||
| Average total assets | $89,335,000 | 5,280 |
| Average earning assets | $84,190,000 | 5,191 |
| Average equity | $7,225,000 | 5,860 |
| Average total loans | $72,290,670 | 4,492 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9176% | 576 |
| Cost of funding earning assets | 1.4158% | 1,534 |
| Net interest margin | 4.5018% | 1,069 |
| Noninterest income to average assets | 0.2356% | 6,026 |
| Noninterest expense to average assets | 4.0646% | 964 |
| Loan and lease loss provision to assets | 0.1223% | 4,479 |
| Net operating income to assets | 0.2991% | 5,406 |
| Return on assets (ROA) | 0.2991% | 5,474 |
| Pretax return on assets | 0.2991% | 5,652 |
| Return on Equity (ROE) | 3.7139% | 5,036 |
| Retained earnings to average equity (ytd only) | 2.4759% | 4,669 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6061% | 1,277 |
| Assets per employee ($millions) | 4.4183% | 3,020 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,510 |
| Loan loss allowance to noncurrent loans | 24.3347% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 4.7201% | 1,350 |
| Noncurrent loans to loans | 5.8885% | 1,091 |
| Net loans and leases to total assets | 79.0100% | 620 |
| Net loans and leases to deposits | 92.0900% | 1,012 |
| Net loans and leases to core deposits | 104.8381% | 1,013 |
| Total domestic deposits to total assets | 85.7966% | 3,636 |
| Equity capital to assets | 8.3912% | 6,063 |
| Core capital (leverage) ratio | 8.6238% | 5,221 |
| Tier 1 risk-based capital ratio | 11.3149% | 6,243 |
| Total risk-based capital ratio | 12.5666% | 6,225 |
| Memoranda: | ||
| Average total assets | $88,275,000 | 5,347 |
| Average earning assets | $83,344,000 | 5,259 |
| Average equity | $7,108,500 | 5,897 |
| Average total loans | $72,971,000 | 4,515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0161% | 825 |
| Cost of funding earning assets | 1.7979% | 1,179 |
| Net interest margin | 4.2182% | 2,113 |
| Noninterest income to average assets | 0.3373% | 5,373 |
| Noninterest expense to average assets | 4.2496% | 858 |
| Loan and lease loss provision to assets | 0.6513% | 2,532 |
| Net operating income to assets | -0.6071% | 6,453 |
| Return on assets (ROA) | -0.5640% | 6,456 |
| Pretax return on assets | -0.5640% | 6,368 |
| Return on Equity (ROE) | -6.9551% | 6,554 |
| Retained earnings to average equity (ytd only) | -8.0870% | 6,542 |
| Net charge-offs to loans | 1.3612% | 1,640 |
| Credit loss provision to net charge-offs | 57.4074% | 6,127 |
| Earnings coverage of net charge-offs (x) | 0.0390% | 6,077 |
| Efficiency ratio | 98.9699% | 821 |
| Assets per employee ($millions) | 4.6413% | 2,640 |
| Cash dividends to net income (ytd only)* | -16.2745% | 7,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,923 |
| Loan loss allowance to noncurrent loans | 26.4030% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 4.2434% | 1,574 |
| Noncurrent loans to loans | 4.9821% | 1,352 |
| Net loans and leases to total assets | 84.0527% | 303 |
| Net loans and leases to deposits | 97.2985% | 766 |
| Net loans and leases to core deposits | 117.9238% | 586 |
| Total domestic deposits to total assets | 86.3864% | 3,146 |
| Equity capital to assets | 7.7134% | 6,745 |
| Core capital (leverage) ratio | 7.9468% | 6,271 |
| Tier 1 risk-based capital ratio | 9.8317% | 7,044 |
| Total risk-based capital ratio | 11.0875% | 7,035 |
| Memoranda: | ||
| Average total assets | $90,431,400 | 5,276 |
| Average earning assets | $84,823,000 | 5,186 |
| Average equity | $7,332,800 | 5,923 |
| Average total loans | $75,374,000 | 4,471 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0307% | 877 |
| Cost of funding earning assets | 1.8803% | 1,084 |
| Net interest margin | 4.1504% | 2,402 |
| Noninterest income to average assets | 0.3502% | 5,367 |
| Noninterest expense to average assets | 4.2449% | 783 |
| Loan and lease loss provision to assets | 0.2110% | 4,958 |
| Net operating income to assets | -0.2213% | 6,346 |
| Return on assets (ROA) | -0.1641% | 6,348 |
| Pretax return on assets | -0.1641% | 6,290 |
| Return on Equity (ROE) | -2.0003% | 6,401 |
| Retained earnings to average equity (ytd only) | -3.0897% | 6,361 |
| Net charge-offs to loans | 0.7246% | 2,612 |
| Credit loss provision to net charge-offs | 35.1220% | 6,092 |
| Earnings coverage of net charge-offs (x) | -0.0171% | 6,046 |
| Efficiency ratio | 100.2422% | 734 |
| Assets per employee ($millions) | 4.0212% | 3,794 |
| Cash dividends to net income (ytd only)* | -54.4633% | 7,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 3,691 |
| Loan loss allowance to noncurrent loans | 31.4518% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 4.1654% | 1,649 |
| Noncurrent loans to loans | 4.9716% | 1,396 |
| Net loans and leases to total assets | 82.4737% | 445 |
| Net loans and leases to deposits | 99.3248% | 697 |
| Net loans and leases to core deposits | 135.4484% | 306 |
| Total domestic deposits to total assets | 83.0344% | 4,579 |
| Equity capital to assets | 8.4845% | 6,291 |
| Core capital (leverage) ratio | 8.3390% | 5,805 |
| Tier 1 risk-based capital ratio | 10.4725% | 6,795 |
| Total risk-based capital ratio | 11.7317% | 6,777 |
| Memoranda: | ||
| Average total assets | $90,993,250 | 5,324 |
| Average earning assets | $85,162,250 | 5,230 |
| Average equity | $7,465,500 | 5,961 |
| Average total loans | $75,440,250 | 4,543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0252% | 888 |
| Cost of funding earning assets | 1.9260% | 1,124 |
| Net interest margin | 4.0992% | 2,559 |
| Noninterest income to average assets | 0.3593% | 5,276 |
| Noninterest expense to average assets | 4.1618% | 851 |
| Loan and lease loss provision to assets | 0.0523% | 6,439 |
| Net operating income to assets | -0.0261% | 6,114 |
| Return on assets (ROA) | 0.0588% | 6,071 |
| Pretax return on assets | 0.0588% | 6,056 |
| Return on Equity (ROE) | 0.7246% | 6,023 |
| Retained earnings to average equity (ytd only) | -0.3489% | 5,804 |
| Net charge-offs to loans | 0.1845% | 4,508 |
| Credit loss provision to net charge-offs | 34.2857% | 5,677 |
| Earnings coverage of net charge-offs (x) | 0.1714% | 5,549 |
| Efficiency ratio | 99.3760% | 825 |
| Assets per employee ($millions) | 4.1527% | 3,480 |
| Cash dividends to net income (ytd only)* | 148.1481% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 2,608 |
| Loan loss allowance to noncurrent loans | 60.0610% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.5132% | 2,872 |
| Noncurrent loans to loans | 3.0602% | 2,628 |
| Net loans and leases to total assets | 80.6149% | 710 |
| Net loans and leases to deposits | 97.5212% | 920 |
| Net loans and leases to core deposits | 139.1363% | 295 |
| Total domestic deposits to total assets | 82.6640% | 4,707 |
| Equity capital to assets | 8.2696% | 6,462 |
| Core capital (leverage) ratio | 8.1565% | 6,027 |
| Tier 1 risk-based capital ratio | 10.4266% | 6,741 |
| Total risk-based capital ratio | 11.6842% | 6,720 |
| Memoranda: | ||
| Average total assets | $91,835,330 | 5,326 |
| Average earning assets | $85,773,670 | 5,245 |
| Average equity | $7,452,000 | 5,985 |
| Average total loans | $75,880,000 | 4,571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9179% | 1,160 |
| Cost of funding earning assets | 1.9617% | 1,203 |
| Net interest margin | 3.9561% | 3,072 |
| Noninterest income to average assets | 0.3389% | 5,430 |
| Noninterest expense to average assets | 3.9143% | 1,152 |
| Loan and lease loss provision to assets | 0.0434% | 6,238 |
| Net operating income to assets | 0.0608% | 6,126 |
| Return on assets (ROA) | 0.0608% | 6,237 |
| Pretax return on assets | 0.0608% | 6,227 |
| Return on Equity (ROE) | 0.7567% | 6,193 |
| Retained earnings to average equity (ytd only) | -0.2703% | 5,893 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4054% | 947 |
| Assets per employee ($millions) | 4.3334% | 3,235 |
| Cash dividends to net income (ytd only)* | 135.7143% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 2,598 |
| Loan loss allowance to noncurrent loans | 59.9415% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 2,896 |
| Noncurrent loans to loans | 3.0744% | 2,605 |
| Net loans and leases to total assets | 80.1760% | 819 |
| Net loans and leases to deposits | 96.0637% | 1,098 |
| Net loans and leases to core deposits | 140.4565% | 324 |
| Total domestic deposits to total assets | 83.4613% | 4,404 |
| Equity capital to assets | 7.9206% | 6,735 |
| Core capital (leverage) ratio | 8.3344% | 5,680 |
| Tier 1 risk-based capital ratio | 9.9825% | 7,048 |
| Total risk-based capital ratio | 11.2205% | 7,036 |
| Memoranda: | ||
| Average total assets | $92,073,500 | 5,385 |
| Average earning assets | $85,639,000 | 5,315 |
| Average equity | $7,400,500 | 6,059 |
| Average total loans | $76,306,000 | 4,630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0384% | 1,719 |
| Cost of funding earning assets | 2.6297% | 710 |
| Net interest margin | 3.4088% | 5,332 |
| Noninterest income to average assets | 0.3497% | 5,593 |
| Noninterest expense to average assets | 4.3765% | 900 |
| Loan and lease loss provision to assets | 0.9760% | 2,314 |
| Net operating income to assets | -2.0160% | 7,100 |
| Return on assets (ROA) | -1.5933% | 6,902 |
| Pretax return on assets | -1.5933% | 6,753 |
| Return on Equity (ROE) | -15.8617% | 6,979 |
| Retained earnings to average equity (ytd only) | -16.8562% | 6,981 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.1708% | 466 |
| Assets per employee ($millions) | 4.0370% | 3,743 |
| Cash dividends to net income (ytd only)* | -6.2701% | 7,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 2,243 |
| Loan loss allowance to noncurrent loans | 27.6699% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 5.7987% | 987 |
| Noncurrent loans to loans | 6.8904% | 826 |
| Net loans and leases to total assets | 82.5521% | 603 |
| Net loans and leases to deposits | 100.0546% | 899 |
| Net loans and leases to core deposits | 133.1898% | 1,100 |
| Total domestic deposits to total assets | 82.5071% | 4,743 |
| Equity capital to assets | 8.1632% | 6,387 |
| Core capital (leverage) ratio | 8.4048% | 5,427 |
| Tier 1 risk-based capital ratio | 10.1207% | 6,774 |
| Total risk-based capital ratio | 11.3791% | 6,730 |
| Memoranda: | ||
| Average total assets | $78,076,400 | 5,781 |
| Average earning assets | $68,411,800 | 5,853 |
| Average equity | $7,842,800 | 5,980 |
| Average total loans | $60,718,800 | 5,218 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9777% | 2,124 |
| Cost of funding earning assets | 2.7272% | 730 |
| Net interest margin | 3.2505% | 5,830 |
| Noninterest income to average assets | 0.3448% | 5,741 |
| Noninterest expense to average assets | 4.4973% | 746 |
| Loan and lease loss provision to assets | 0.4987% | 3,405 |
| Net operating income to assets | -1.8392% | 7,253 |
| Return on assets (ROA) | -1.2556% | 6,997 |
| Pretax return on assets | -1.2556% | 6,840 |
| Return on Equity (ROE) | -11.8463% | 7,011 |
| Retained earnings to average equity (ytd only) | -12.5805% | 6,980 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.4650% | 358 |
| Assets per employee ($millions) | 3.7265% | 4,365 |
| Cash dividends to net income (ytd only)* | -6.1977% | 7,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 3,800 |
| Loan loss allowance to noncurrent loans | 15.0622% | 7,328 |
| Noncurrent assets plus other real estate owned to assets | 7.6528% | 578 |
| Noncurrent loans to loans | 9.4725% | 439 |
| Net loans and leases to total assets | 79.6372% | 1,251 |
| Net loans and leases to deposits | 102.0332% | 916 |
| Net loans and leases to core deposits | 133.9014% | 1,214 |
| Total domestic deposits to total assets | 78.0503% | 6,075 |
| Equity capital to assets | 9.5715% | 4,651 |
| Core capital (leverage) ratio | 9.5661% | 3,828 |
| Tier 1 risk-based capital ratio | 10.9176% | 6,031 |
| Total risk-based capital ratio | 12.1673% | 5,994 |
| Memoranda: | ||
| Average total assets | $75,392,250 | 5,895 |
| Average earning assets | $65,218,750 | 5,993 |
| Average equity | $7,991,000 | 5,981 |
| Average total loans | $57,213,000 | 5,417 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7614% | 3,243 |
| Cost of funding earning assets | 2.7495% | 906 |
| Net interest margin | 3.0119% | 6,517 |
| Noninterest income to average assets | 0.2924% | 6,178 |
| Noninterest expense to average assets | 4.4238% | 839 |
| Loan and lease loss provision to assets | 0.5438% | 2,848 |
| Net operating income to assets | -2.0411% | 7,438 |
| Return on assets (ROA) | -1.1148% | 7,063 |
| Pretax return on assets | -1.1148% | 6,888 |
| Return on Equity (ROE) | -10.1505% | 7,046 |
| Retained earnings to average equity (ytd only) | -10.7227% | 6,948 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.1671% | 366 |
| Assets per employee ($millions) | 3.6714% | 4,397 |
| Cash dividends to net income (ytd only)* | -5.6373% | 7,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 3,329 |
| Loan loss allowance to noncurrent loans | 49.9710% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 2.3493% | 2,765 |
| Noncurrent loans to loans | 2.9517% | 2,439 |
| Net loans and leases to total assets | 78.4167% | 1,656 |
| Net loans and leases to deposits | 107.9026% | 659 |
| Net loans and leases to core deposits | 140.4263% | 994 |
| Total domestic deposits to total assets | 72.6735% | 7,158 |
| Equity capital to assets | 11.0572% | 2,864 |
| Core capital (leverage) ratio | 11.0061% | 2,392 |
| Tier 1 risk-based capital ratio | 12.5295% | 4,502 |
| Total risk-based capital ratio | 13.7811% | 4,418 |
| Memoranda: | ||
| Average total assets | $73,195,330 | 5,997 |
| Average earning assets | $64,012,000 | 6,077 |
| Average equity | $8,039,000 | 6,012 |
| Average total loans | $54,206,000 | 5,592 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 5,553 |
| Cost of funding earning assets | 2.6662% | 1,356 |
| Net interest margin | 2.7078% | 7,186 |
| Noninterest income to average assets | 0.2573% | 6,391 |
| Noninterest expense to average assets | 4.3897% | 797 |
| Loan and lease loss provision to assets | 0.2354% | 4,098 |
| Net operating income to assets | -1.8774% | 7,625 |
| Return on assets (ROA) | -1.8774% | 7,627 |
| Pretax return on assets | -1.8774% | 7,497 |
| Return on Equity (ROE) | -17.1521% | 7,681 |
| Retained earnings to average equity (ytd only) | -17.1521% | 7,541 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.7610% | 309 |
| Assets per employee ($millions) | 4.1244% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 3,884 |
| Loan loss allowance to noncurrent loans | 727.8351% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 7,197 |
| Noncurrent loans to loans | 0.1834% | 7,004 |
| Net loans and leases to total assets | 70.2775% | 3,611 |
| Net loans and leases to deposits | 95.8957% | 1,965 |
| Net loans and leases to core deposits | 195.8631% | 155 |
| Total domestic deposits to total assets | 73.2853% | 7,009 |
| Equity capital to assets | 11.6581% | 2,476 |
| Core capital (leverage) ratio | 11.5766% | 2,100 |
| Tier 1 risk-based capital ratio | 13.8622% | 3,658 |
| Total risk-based capital ratio | 15.0302% | 3,631 |
| Memoranda: | ||
| Average total assets | $73,079,500 | 6,027 |
| Average earning assets | $67,212,500 | 6,001 |
| Average equity | $7,999,000 | 6,067 |
| Average total loans | $52,088,500 | 5,713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6576% | 6,912 |
| Cost of funding earning assets | 2.5810% | 3,787 |
| Net interest margin | 3.0766% | 6,716 |
| Noninterest income to average assets | 0.3813% | 5,631 |
| Noninterest expense to average assets | 5.6857% | 469 |
| Loan and lease loss provision to assets | 0.5912% | 2,458 |
| Net operating income to assets | -3.1153% | 7,851 |
| Return on assets (ROA) | -3.1153% | 7,823 |
| Pretax return on assets | -3.1153% | 7,737 |
| Return on Equity (ROE) | -19.7959% | 7,754 |
| Retained earnings to average equity (ytd only) | -19.7959% | 7,676 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.8341% | 245 |
| Assets per employee ($millions) | 3.9955% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 3,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.4042% | 3,924 |
| Net loans and leases to deposits | 93.9110% | 2,780 |
| Net loans and leases to core deposits | 96.5818% | 5,196 |
| Total domestic deposits to total assets | 74.9691% | 6,458 |
| Equity capital to assets | 10.2101% | 3,794 |
| Core capital (leverage) ratio | 11.2843% | 2,382 |
| Tier 1 risk-based capital ratio | 11.1883% | 5,550 |
| Total risk-based capital ratio | 12.2447% | 5,627 |
| Memoranda: | ||
| Average total assets | $49,562,600 | 6,795 |
| Average earning assets | $44,789,600 | 6,822 |
| Average equity | $7,799,600 | 6,174 |
| Average total loans | $34,242,400 | 6,475 |