Home > Kentland Federal Savings and Loan Association > Performance and Condition Ratios
Kentland Federal Savings and Loan Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 3,501 |
| Cost of funding earning assets | 4.0879% | 40 |
| Net interest margin | 0.6813% | 4,419 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 7.4629% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -6.8512% | 4,439 |
| Return on assets (ROA) | -6.8512% | 4,478 |
| Pretax return on assets | -6.8512% | 4,476 |
| Return on Equity (ROE) | -82.3500% | 4,456 |
| Retained earnings to average equity (ytd only) | -82.3529% | 4,479 |
| Net charge-offs to loans | 0.4238% | 303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | -18.6667% | 4,457 |
| Efficiency ratio | 1,220.0000% | 32 |
| Assets per employee ($millions) | 1.6435% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 2,748 |
| Loan loss allowance to noncurrent loans | 13.7168% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 6.8756% | 11 |
| Noncurrent loans to loans | 7.9718% | 21 |
| Net loans and leases to total assets | 85.3100% | 177 |
| Net loans and leases to deposits | 92.1762% | 904 |
| Net loans and leases to core deposits | 92.1762% | 1,897 |
| Total domestic deposits to total assets | 92.5500% | 186 |
| Equity capital to assets | 7.4232% | 3,885 |
| Core capital (leverage) ratio | 7.4709% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $3,269,500 | 4,447 |
| Average earning assets | $2,935,500 | 4,425 |
| Average equity | $272,000 | 4,422 |
| Average total loans | $2,831,500 | 4,346 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 3,312 |
| Cost of funding earning assets | 2.8561% | 635 |
| Net interest margin | 2.0099% | 4,251 |
| Noninterest income to average assets | 3.1300% | 184 |
| Noninterest expense to average assets | 6.3870% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -1.3828% | 4,414 |
| Return on assets (ROA) | -1.3828% | 4,450 |
| Pretax return on assets | -1.3828% | 4,449 |
| Return on Equity (ROE) | -13.2900% | 4,426 |
| Retained earnings to average equity (ytd only) | -13.2911% | 4,420 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 127.6316% | 113 |
| Assets per employee ($millions) | 1.6260% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,141 |
| Loan loss allowance to noncurrent loans | 15.0442% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 6.9496% | 11 |
| Noncurrent loans to loans | 7.9915% | 25 |
| Net loans and leases to total assets | 85.9200% | 158 |
| Net loans and leases to deposits | 94.8405% | 798 |
| Net loans and leases to core deposits | 94.8405% | 1,785 |
| Total domestic deposits to total assets | 90.5900% | 640 |
| Equity capital to assets | 9.2251% | 2,651 |
| Core capital (leverage) ratio | 9.2621% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $3,037,400 | 4,480 |
| Average earning assets | $2,836,000 | 4,448 |
| Average equity | $316,000 | 4,447 |
| Average total loans | $2,738,400 | 4,371 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 3,403 |
| Cost of funding earning assets | 2.5604% | 1,053 |
| Net interest margin | 2.2285% | 4,141 |
| Noninterest income to average assets | 4.2000% | 146 |
| Noninterest expense to average assets | 6.2560% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.0447% | 4,178 |
| Return on assets (ROA) | 0.0447% | 4,214 |
| Pretax return on assets | 0.0447% | 4,207 |
| Return on Equity (ROE) | 0.4200% | 4,198 |
| Retained earnings to average equity (ytd only) | 0.4167% | 3,871 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 99.2908% | 292 |
| Assets per employee ($millions) | 1.6475% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 3,334 |
| Loan loss allowance to noncurrent loans | 13.2159% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 6.8892% | 13 |
| Noncurrent loans to loans | 7.4207% | 32 |
| Net loans and leases to total assets | 91.9300% | 15 |
| Net loans and leases to deposits | 102.8174% | 362 |
| Net loans and leases to core deposits | 102.8174% | 1,310 |
| Total domestic deposits to total assets | 89.4100% | 773 |
| Equity capital to assets | 10.4097% | 2,036 |
| Core capital (leverage) ratio | 10.4750% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,983,750 | 4,509 |
| Average earning assets | $2,812,000 | 4,479 |
| Average equity | $320,000 | 4,477 |
| Average total loans | $2,716,000 | 4,401 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8018% | 3,277 |
| Cost of funding earning assets | 2.5117% | 1,065 |
| Net interest margin | 2.2901% | 4,081 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 6.0417% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -3.6806% | 4,503 |
| Return on assets (ROA) | -3.6806% | 4,540 |
| Pretax return on assets | -3.6806% | 4,538 |
| Return on Equity (ROE) | -33.9400% | 4,516 |
| Retained earnings to average equity (ytd only) | -33.9381% | 4,530 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 255.8824% | 42 |
| Assets per employee ($millions) | 1.4325% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 2,637 |
| Loan loss allowance to noncurrent loans | 12.5541% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 8.0628% | 10 |
| Noncurrent loans to loans | 8.9744% | 21 |
| Net loans and leases to total assets | 88.8300% | 53 |
| Net loans and leases to deposits | 107.3840% | 269 |
| Net loans and leases to core deposits | 107.3840% | 1,083 |
| Total domestic deposits to total assets | 82.7200% | 2,926 |
| Equity capital to assets | 10.0873% | 2,018 |
| Core capital (leverage) ratio | 10.0767% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,880,000 | 4,526 |
| Average earning assets | $2,707,333 | 4,497 |
| Average equity | $312,333 | 4,492 |
| Average total loans | $2,601,667 | 4,421 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 3,328 |
| Cost of funding earning assets | 2.4959% | 997 |
| Net interest margin | 2.2022% | 4,179 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 7.4805% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -5.1255% | 4,574 |
| Return on assets (ROA) | -5.1255% | 4,573 |
| Pretax return on assets | -5.1255% | 4,573 |
| Return on Equity (ROE) | -45.6800% | 4,554 |
| Retained earnings to average equity (ytd only) | -45.6790% | 4,518 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 317.6471% | 8 |
| Assets per employee ($millions) | 1.4390% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 2,746 |
| Loan loss allowance to noncurrent loans | 12.7193% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 7.9222% | 17 |
| Noncurrent loans to loans | 8.7490% | 16 |
| Net loans and leases to total assets | 89.5400% | 38 |
| Net loans and leases to deposits | 108.8720% | 214 |
| Net loans and leases to core deposits | 108.8720% | 989 |
| Total domestic deposits to total assets | 82.2400% | 3,144 |
| Equity capital to assets | 10.6324% | 1,670 |
| Core capital (leverage) ratio | 10.6881% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,887,500 | 4,562 |
| Average earning assets | $2,724,500 | 4,526 |
| Average equity | $324,000 | 4,518 |
| Average total loans | $2,615,500 | 4,450 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 2,428 |
| Cost of funding earning assets | 1.9366% | 1,014 |
| Net interest margin | 2.8873% | 3,514 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 4.9134% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -2.0389% | 4,573 |
| Return on assets (ROA) | -2.0389% | 4,569 |
| Pretax return on assets | -2.0389% | 4,559 |
| Return on Equity (ROE) | -16.1300% | 4,529 |
| Retained earnings to average equity (ytd only) | -16.1290% | 4,503 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 170.9302% | 25 |
| Assets per employee ($millions) | 1.4485% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 2,807 |
| Loan loss allowance to noncurrent loans | 13.0045% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 7.6976% | 12 |
| Noncurrent loans to loans | 8.4952% | 15 |
| Net loans and leases to total assets | 89.6100% | 40 |
| Net loans and leases to deposits | 110.6564% | 186 |
| Net loans and leases to core deposits | 110.6564% | 933 |
| Total domestic deposits to total assets | 80.9800% | 3,310 |
| Equity capital to assets | 11.8053% | 1,201 |
| Core capital (leverage) ratio | 11.8094% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,991,800 | 4,592 |
| Average earning assets | $2,840,000 | 4,544 |
| Average equity | $378,200 | 4,532 |
| Average total loans | $2,712,000 | 4,468 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 2,286 |
| Cost of funding earning assets | 1.7678% | 1,063 |
| Net interest margin | 3.0239% | 3,298 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 4.6426% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -1.6360% | 4,586 |
| Return on assets (ROA) | -1.6360% | 4,580 |
| Pretax return on assets | -1.6360% | 4,577 |
| Return on Equity (ROE) | -12.7400% | 4,552 |
| Retained earnings to average equity (ytd only) | -12.7391% | 4,518 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 154.4118% | 39 |
| Assets per employee ($millions) | 1.4660% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 2,909 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 89.7300% | 39 |
| Net loans and leases to deposits | 111.5776% | 177 |
| Net loans and leases to core deposits | 111.5776% | 814 |
| Total domestic deposits to total assets | 80.4200% | 3,471 |
| Equity capital to assets | 12.5171% | 918 |
| Core capital (leverage) ratio | 12.5255% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,015,500 | 4,618 |
| Average earning assets | $2,866,000 | 4,572 |
| Average equity | $387,250 | 4,556 |
| Average total loans | $2,733,750 | 4,494 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 1,911 |
| Cost of funding earning assets | 1.6582% | 952 |
| Net interest margin | 3.1783% | 3,040 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 4.6002% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.4458% | 4,616 |
| Return on assets (ROA) | -1.4458% | 4,613 |
| Pretax return on assets | -1.4458% | 4,604 |
| Return on Equity (ROE) | -11.1700% | 4,586 |
| Retained earnings to average equity (ytd only) | -11.1675% | 4,529 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 145.8333% | 42 |
| Assets per employee ($millions) | 1.4870% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,047 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 89.4800% | 43 |
| Net loans and leases to deposits | 119.2204% | 99 |
| Net loans and leases to core deposits | 119.2204% | 533 |
| Total domestic deposits to total assets | 75.0500% | 4,112 |
| Equity capital to assets | 12.8447% | 850 |
| Core capital (leverage) ratio | 12.7674% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,043,333 | 4,640 |
| Average earning assets | $2,894,667 | 4,600 |
| Average equity | $394,000 | 4,589 |
| Average total loans | $2,758,333 | 4,527 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 1,715 |
| Cost of funding earning assets | 1.2245% | 1,393 |
| Net interest margin | 3.5374% | 2,266 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 4.5484% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -1.0396% | 4,623 |
| Return on assets (ROA) | -1.0396% | 4,615 |
| Pretax return on assets | -1.0396% | 4,608 |
| Return on Equity (ROE) | -8.0000% | 4,583 |
| Retained earnings to average equity (ytd only) | -8.0000% | 4,432 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 129.6296% | 56 |
| Assets per employee ($millions) | 1.5375% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,185 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 89.8500% | 34 |
| Net loans and leases to deposits | 118.9410% | 90 |
| Net loans and leases to core deposits | 118.9410% | 467 |
| Total domestic deposits to total assets | 75.5400% | 4,188 |
| Equity capital to assets | 12.8780% | 786 |
| Core capital (leverage) ratio | 12.9285% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,078,000 | 4,692 |
| Average earning assets | $2,940,000 | 4,670 |
| Average equity | $400,000 | 4,660 |
| Average total loans | $2,792,500 | 4,596 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 577 |
| Cost of funding earning assets | 0.8778% | 279 |
| Net interest margin | 3.7570% | 1,249 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 5.7285% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -2.1323% | 4,693 |
| Return on assets (ROA) | -2.1323% | 4,691 |
| Pretax return on assets | -2.1323% | 4,685 |
| Return on Equity (ROE) | -15.2400% | 4,685 |
| Retained earnings to average equity (ytd only) | -15.2411% | 4,678 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 159.2920% | 33 |
| Assets per employee ($millions) | 1.5405% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,013 |
| Loan loss allowance to noncurrent loans | 78.9474% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2334% | 304 |
| Noncurrent loans to loans | 1.3610% | 504 |
| Net loans and leases to total assets | 89.6500% | 41 |
| Net loans and leases to deposits | 121.5669% | 66 |
| Net loans and leases to core deposits | 121.5669% | 342 |
| Total domestic deposits to total assets | 73.7400% | 4,364 |
| Equity capital to assets | 13.1126% | 681 |
| Core capital (leverage) ratio | 13.0365% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,142,200 | 4,725 |
| Average earning assets | $2,848,000 | 4,702 |
| Average equity | $439,600 | 4,709 |
| Average total loans | $2,681,600 | 4,632 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 428 |
| Cost of funding earning assets | 0.8043% | 149 |
| Net interest margin | 3.7848% | 971 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 5.4472% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -1.9002% | 4,730 |
| Return on assets (ROA) | -1.9002% | 4,726 |
| Pretax return on assets | -1.9002% | 4,719 |
| Return on Equity (ROE) | -13.3800% | 4,717 |
| Retained earnings to average equity (ytd only) | -13.3776% | 4,706 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 153.5714% | 40 |
| Assets per employee ($millions) | 1.5670% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,128 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2763% | 298 |
| Noncurrent loans to loans | 1.4316% | 497 |
| Net loans and leases to total assets | 88.1900% | 58 |
| Net loans and leases to deposits | 122.6264% | 46 |
| Net loans and leases to core deposits | 122.6264% | 216 |
| Total domestic deposits to total assets | 71.9200% | 4,509 |
| Equity capital to assets | 13.5929% | 605 |
| Core capital (leverage) ratio | 13.5582% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,157,500 | 4,764 |
| Average earning assets | $2,818,250 | 4,741 |
| Average equity | $448,500 | 4,746 |
| Average total loans | $2,654,000 | 4,671 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 320 |
| Cost of funding earning assets | 0.7277% | 136 |
| Net interest margin | 3.8569% | 668 |
| Noninterest income to average assets | 0.1896% | 4,055 |
| Noninterest expense to average assets | 5.4339% | 149 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -1.8955% | 4,734 |
| Return on assets (ROA) | -1.8955% | 4,728 |
| Pretax return on assets | -1.8955% | 4,724 |
| Return on Equity (ROE) | -13.1579% | 4,737 |
| Retained earnings to average equity (ytd only) | -13.1579% | 4,696 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.5714% | 41 |
| Assets per employee ($millions) | 1.5945% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,527 |
| Loan loss allowance to noncurrent loans | 73.1707% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.2857% | 313 |
| Noncurrent loans to loans | 1.3894% | 545 |
| Net loans and leases to total assets | 91.5961% | 13 |
| Net loans and leases to deposits | 119.5172% | 46 |
| Net loans and leases to core deposits | 119.5172% | 202 |
| Total domestic deposits to total assets | 76.6384% | 4,428 |
| Equity capital to assets | 13.8288% | 544 |
| Core capital (leverage) ratio | 13.7084% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,165,333 | 4,780 |
| Average earning assets | $2,748,333 | 4,768 |
| Average equity | $456,000 | 4,769 |
| Average total loans | $2,607,333 | 4,733 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 236 |
| Cost of funding earning assets | 0.7772% | 99 |
| Net interest margin | 3.8858% | 521 |
| Noninterest income to average assets | 0.2537% | 3,624 |
| Noninterest expense to average assets | 5.3274% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.9026% | 4,761 |
| Return on assets (ROA) | -1.9026% | 4,762 |
| Pretax return on assets | -1.9026% | 4,759 |
| Return on Equity (ROE) | -12.9450% | 4,759 |
| Retained earnings to average equity (ytd only) | -12.9450% | 4,613 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.5556% | 36 |
| Assets per employee ($millions) | 1.6460% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,648 |
| Loan loss allowance to noncurrent loans | 69.7674% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.3062% | 310 |
| Noncurrent loans to loans | 1.7783% | 436 |
| Net loans and leases to total assets | 72.5395% | 786 |
| Net loans and leases to deposits | 94.3501% | 343 |
| Net loans and leases to core deposits | 94.3501% | 719 |
| Total domestic deposits to total assets | 76.8834% | 4,470 |
| Equity capital to assets | 13.8518% | 547 |
| Core capital (leverage) ratio | 14.3036% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,153,500 | 4,805 |
| Average earning assets | $2,573,500 | 4,794 |
| Average equity | $463,500 | 4,795 |
| Average total loans | $2,435,500 | 4,761 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 345 |
| Cost of funding earning assets | 0.8940% | 120 |
| Net interest margin | 3.9404% | 798 |
| Noninterest income to average assets | 0.1500% | 4,397 |
| Noninterest expense to average assets | 5.5516% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -1.8305% | 4,811 |
| Return on assets (ROA) | -1.8305% | 4,811 |
| Pretax return on assets | -1.8305% | 4,809 |
| Return on Equity (ROE) | -12.0936% | 4,814 |
| Retained earnings to average equity (ytd only) | -12.0936% | 4,784 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.1935% | 35 |
| Assets per employee ($millions) | 1.5075% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,775 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.4925% | 281 |
| Noncurrent loans to loans | 1.8345% | 452 |
| Net loans and leases to total assets | 80.3648% | 252 |
| Net loans and leases to deposits | 100.1240% | 195 |
| Net loans and leases to core deposits | 100.1240% | 531 |
| Total domestic deposits to total assets | 80.2653% | 4,195 |
| Equity capital to assets | 15.6219% | 418 |
| Core capital (leverage) ratio | 15.6687% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,332,400 | 4,848 |
| Average earning assets | $3,020,000 | 4,837 |
| Average equity | $504,400 | 4,839 |
| Average total loans | $2,894,200 | 4,803 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 377 |
| Cost of funding earning assets | 0.8941% | 155 |
| Net interest margin | 3.9597% | 848 |
| Noninterest income to average assets | 0.1563% | 4,418 |
| Noninterest expense to average assets | 5.2367% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -1.4459% | 4,879 |
| Return on assets (ROA) | -1.4459% | 4,880 |
| Pretax return on assets | -1.4459% | 4,875 |
| Return on Equity (ROE) | -9.6211% | 4,880 |
| Retained earnings to average equity (ytd only) | -9.6211% | 4,845 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.1443% | 45 |
| Assets per employee ($millions) | 1.4275% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,192 |
| Loan loss allowance to noncurrent loans | 63.8298% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.6462% | 283 |
| Noncurrent loans to loans | 1.8070% | 533 |
| Net loans and leases to total assets | 90.0525% | 19 |
| Net loans and leases to deposits | 114.9307% | 65 |
| Net loans and leases to core deposits | 114.9307% | 242 |
| Total domestic deposits to total assets | 78.3538% | 4,387 |
| Equity capital to assets | 17.3380% | 313 |
| Core capital (leverage) ratio | 15.9626% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,411,750 | 4,922 |
| Average earning assets | $3,131,500 | 4,912 |
| Average equity | $512,750 | 4,914 |
| Average total loans | $3,004,500 | 4,876 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 404 |
| Cost of funding earning assets | 0.9801% | 118 |
| Net interest margin | 3.9204% | 938 |
| Noninterest income to average assets | 0.1668% | 4,367 |
| Noninterest expense to average assets | 5.0593% | 173 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -1.3343% | 4,912 |
| Return on assets (ROA) | -1.3343% | 4,912 |
| Pretax return on assets | -1.3343% | 4,907 |
| Return on Equity (ROE) | -9.2545% | 4,909 |
| Retained earnings to average equity (ytd only) | -9.2545% | 4,863 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.8209% | 47 |
| Assets per employee ($millions) | 1.7120% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,646 |
| Loan loss allowance to noncurrent loans | 61.2245% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.4311% | 410 |
| Noncurrent loans to loans | 1.7091% | 619 |
| Net loans and leases to total assets | 82.8563% | 179 |
| Net loans and leases to deposits | 108.6141% | 127 |
| Net loans and leases to core deposits | 108.6141% | 399 |
| Total domestic deposits to total assets | 76.2850% | 4,547 |
| Equity capital to assets | 14.8072% | 562 |
| Core capital (leverage) ratio | 14.7770% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,597,333 | 4,959 |
| Average earning assets | $3,265,000 | 4,949 |
| Average equity | $518,667 | 4,950 |
| Average total loans | $3,139,000 | 4,915 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 476 |
| Cost of funding earning assets | 0.9403% | 183 |
| Net interest margin | 3.8789% | 1,018 |
| Noninterest income to average assets | 0.2172% | 4,094 |
| Noninterest expense to average assets | 5.3203% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.5201% | 4,943 |
| Return on assets (ROA) | -1.5201% | 4,943 |
| Pretax return on assets | -1.5201% | 4,940 |
| Return on Equity (ROE) | -10.6768% | 4,940 |
| Retained earnings to average equity (ytd only) | -10.6768% | 4,825 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.0000% | 38 |
| Assets per employee ($millions) | 1.8490% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 4,119 |
| Loan loss allowance to noncurrent loans | 58.8235% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 490 |
| Noncurrent loans to loans | 1.5530% | 796 |
| Net loans and leases to total assets | 87.9935% | 47 |
| Net loans and leases to deposits | 121.5540% | 62 |
| Net loans and leases to core deposits | 121.5540% | 227 |
| Total domestic deposits to total assets | 72.3905% | 4,712 |
| Equity capital to assets | 13.9805% | 677 |
| Core capital (leverage) ratio | 13.8532% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,684,000 | 4,986 |
| Average earning assets | $3,403,000 | 4,975 |
| Average equity | $524,500 | 4,977 |
| Average total loans | $3,275,000 | 4,941 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9702% | 519 |
| Cost of funding earning assets | 0.9940% | 605 |
| Net interest margin | 3.9761% | 1,025 |
| Noninterest income to average assets | 0.1285% | 4,637 |
| Noninterest expense to average assets | 4.6001% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.6682% | 4,898 |
| Return on assets (ROA) | -0.6682% | 4,902 |
| Pretax return on assets | -0.6682% | 4,896 |
| Return on Equity (ROE) | -4.7497% | 4,893 |
| Retained earnings to average equity (ytd only) | -4.7497% | 4,830 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9935% | 87 |
| Assets per employee ($millions) | 1.8350% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,140 |
| Loan loss allowance to noncurrent loans | 57.6923% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 537 |
| Noncurrent loans to loans | 1.5922% | 829 |
| Net loans and leases to total assets | 88.1744% | 42 |
| Net loans and leases to deposits | 122.8550% | 61 |
| Net loans and leases to core deposits | 122.8550% | 279 |
| Total domestic deposits to total assets | 71.7711% | 4,719 |
| Equity capital to assets | 14.4959% | 680 |
| Core capital (leverage) ratio | 14.5594% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,891,200 | 5,009 |
| Average earning assets | $3,722,200 | 4,998 |
| Average equity | $547,400 | 5,001 |
| Average total loans | $3,586,400 | 4,961 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 589 |
| Cost of funding earning assets | 1.0164% | 720 |
| Net interest margin | 3.9957% | 1,126 |
| Noninterest income to average assets | 0.1351% | 4,620 |
| Noninterest expense to average assets | 4.3920% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.4054% | 4,882 |
| Return on assets (ROA) | -0.4054% | 4,890 |
| Pretax return on assets | -0.4054% | 4,881 |
| Return on Equity (ROE) | -2.9024% | 4,882 |
| Retained earnings to average equity (ytd only) | -2.9024% | 4,768 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1695% | 111 |
| Assets per employee ($millions) | 1.8490% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 4,151 |
| Loan loss allowance to noncurrent loans | 55.5556% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4602% | 596 |
| Noncurrent loans to loans | 1.5707% | 903 |
| Net loans and leases to total assets | 92.1579% | 16 |
| Net loans and leases to deposits | 128.5553% | 61 |
| Net loans and leases to core deposits | 128.5553% | 261 |
| Total domestic deposits to total assets | 71.6874% | 4,689 |
| Equity capital to assets | 14.7647% | 687 |
| Core capital (leverage) ratio | 14.1451% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,946,500 | 5,040 |
| Average earning assets | $3,804,000 | 5,029 |
| Average equity | $551,250 | 5,033 |
| Average total loans | $3,666,500 | 4,993 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 825 |
| Cost of funding earning assets | 1.0824% | 751 |
| Net interest margin | 3.9172% | 1,532 |
| Noninterest income to average assets | 0.1489% | 4,563 |
| Noninterest expense to average assets | 4.3680% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.4467% | 4,909 |
| Return on assets (ROA) | -0.4467% | 4,906 |
| Pretax return on assets | -0.4467% | 4,891 |
| Return on Equity (ROE) | -3.2550% | 4,900 |
| Retained earnings to average equity (ytd only) | -3.2550% | 4,674 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3924% | 110 |
| Assets per employee ($millions) | 1.9495% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,268 |
| Loan loss allowance to noncurrent loans | 57.6923% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 761 |
| Noncurrent loans to loans | 1.4333% | 1,071 |
| Net loans and leases to total assets | 92.2801% | 9 |
| Net loans and leases to deposits | 147.0973% | 27 |
| Net loans and leases to core deposits | 147.0973% | 121 |
| Total domestic deposits to total assets | 62.7340% | 4,934 |
| Equity capital to assets | 14.1062% | 836 |
| Core capital (leverage) ratio | 13.7569% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,029,333 | 5,073 |
| Average earning assets | $3,880,333 | 5,062 |
| Average equity | $553,000 | 5,066 |
| Average total loans | $3,742,667 | 5,026 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 825 |
| Cost of funding earning assets | 1.1183% | 996 |
| Net interest margin | 3.9649% | 1,490 |
| Noninterest income to average assets | 0.0977% | 4,833 |
| Noninterest expense to average assets | 4.5915% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.6838% | 4,957 |
| Return on assets (ROA) | -0.6838% | 4,935 |
| Pretax return on assets | -0.6838% | 4,920 |
| Return on Equity (ROE) | -5.0496% | 4,923 |
| Retained earnings to average equity (ytd only) | -5.0496% | 4,526 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5000% | 116 |
| Assets per employee ($millions) | 2.0270% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,434 |
| Loan loss allowance to noncurrent loans | 55.5556% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 865 |
| Noncurrent loans to loans | 1.4241% | 1,119 |
| Net loans and leases to total assets | 92.7972% | 10 |
| Net loans and leases to deposits | 136.7503% | 24 |
| Net loans and leases to core deposits | 136.7503% | 193 |
| Total domestic deposits to total assets | 67.8589% | 4,929 |
| Equity capital to assets | 13.5915% | 1,182 |
| Core capital (leverage) ratio | 13.5949% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,094,500 | 5,123 |
| Average earning assets | $3,934,500 | 5,110 |
| Average equity | $554,500 | 5,116 |
| Average total loans | $3,800,000 | 5,073 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 1,394 |
| Cost of funding earning assets | 1.2577% | 868 |
| Net interest margin | 3.7731% | 2,592 |
| Noninterest income to average assets | 0.1414% | 4,767 |
| Noninterest expense to average assets | 4.3597% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.6127% | 5,061 |
| Return on assets (ROA) | -0.6127% | 5,064 |
| Pretax return on assets | -0.6127% | 5,061 |
| Return on Equity (ROE) | -4.5280% | 5,071 |
| Retained earnings to average equity (ytd only) | -4.5280% | 4,966 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3522% | 83 |
| Assets per employee ($millions) | 2.0675% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,343 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 817 |
| Noncurrent loans to loans | 1.4443% | 1,014 |
| Net loans and leases to total assets | 91.3664% | 22 |
| Net loans and leases to deposits | 133.6872% | 35 |
| Net loans and leases to core deposits | 133.6872% | 234 |
| Total domestic deposits to total assets | 68.3434% | 4,985 |
| Equity capital to assets | 13.4946% | 1,277 |
| Core capital (leverage) ratio | 13.3685% | 1,097 |
| Tier 1 risk-based capital ratio | 26.8527% | 628 |
| Total risk-based capital ratio | 28.1039% | 611 |
| Memoranda: | ||
| Average total assets | $4,243,400 | 5,184 |
| Average earning assets | $4,055,000 | 5,170 |
| Average equity | $574,200 | 5,177 |
| Average total loans | $3,913,400 | 5,133 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 1,553 |
| Cost of funding earning assets | 1.2083% | 1,017 |
| Net interest margin | 3.7884% | 2,632 |
| Noninterest income to average assets | 0.1248% | 4,902 |
| Noninterest expense to average assets | 4.1213% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.3747% | 5,126 |
| Return on assets (ROA) | -0.3747% | 5,133 |
| Pretax return on assets | -0.3747% | 5,127 |
| Return on Equity (ROE) | -2.7670% | 5,135 |
| Retained earnings to average equity (ytd only) | -2.7670% | 4,977 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0000% | 105 |
| Assets per employee ($millions) | 2.0675% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,428 |
| Loan loss allowance to noncurrent loans | 27.2727% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.6602% | 234 |
| Noncurrent loans to loans | 2.9062% | 349 |
| Net loans and leases to total assets | 90.8102% | 32 |
| Net loans and leases to deposits | 129.2599% | 46 |
| Net loans and leases to core deposits | 129.2599% | 302 |
| Total domestic deposits to total assets | 70.2539% | 4,984 |
| Equity capital to assets | 13.8331% | 1,218 |
| Core capital (leverage) ratio | 13.6777% | 1,085 |
| Tier 1 risk-based capital ratio | 27.3815% | 615 |
| Total risk-based capital ratio | 28.6261% | 601 |
| Memoranda: | ||
| Average total assets | $4,270,500 | 5,263 |
| Average earning assets | $4,082,500 | 5,249 |
| Average equity | $578,250 | 5,256 |
| Average total loans | $3,939,750 | 5,211 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,648 |
| Cost of funding earning assets | 1.1616% | 1,100 |
| Net interest margin | 3.7751% | 2,669 |
| Noninterest income to average assets | 0.1390% | 4,874 |
| Noninterest expense to average assets | 4.0318% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2781% | 5,161 |
| Return on assets (ROA) | -0.2781% | 5,170 |
| Pretax return on assets | -0.2781% | 5,166 |
| Return on Equity (ROE) | -2.0678% | 5,165 |
| Retained earnings to average equity (ytd only) | -2.0678% | 4,915 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4074% | 112 |
| Assets per employee ($millions) | 2.1395% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 4,500 |
| Loan loss allowance to noncurrent loans | 53.5714% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 963 |
| Noncurrent loans to loans | 1.4614% | 1,059 |
| Net loans and leases to total assets | 88.8525% | 82 |
| Net loans and leases to deposits | 128.9688% | 47 |
| Net loans and leases to core deposits | 128.9688% | 339 |
| Total domestic deposits to total assets | 68.8946% | 5,080 |
| Equity capital to assets | 13.4845% | 1,326 |
| Core capital (leverage) ratio | 13.4280% | 1,142 |
| Tier 1 risk-based capital ratio | 25.1965% | 740 |
| Total risk-based capital ratio | 26.4192% | 726 |
| Memoranda: | ||
| Average total assets | $4,315,670 | 5,310 |
| Average earning assets | $4,132,330 | 5,296 |
| Average equity | $580,330 | 5,303 |
| Average total loans | $3,991,330 | 5,261 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 1,509 |
| Cost of funding earning assets | 1.1389% | 1,070 |
| Net interest margin | 3.7964% | 2,537 |
| Noninterest income to average assets | 0.0923% | 5,108 |
| Noninterest expense to average assets | 4.1532% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.3692% | 5,237 |
| Return on assets (ROA) | -0.3692% | 5,233 |
| Pretax return on assets | -0.3692% | 5,229 |
| Return on Equity (ROE) | -2.7491% | 5,233 |
| Retained earnings to average equity (ytd only) | -2.7491% | 4,800 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7561% | 108 |
| Assets per employee ($millions) | 2.1625% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 4,693 |
| Loan loss allowance to noncurrent loans | 11.5385% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 6.0116% | 48 |
| Noncurrent loans to loans | 6.3992% | 67 |
| Net loans and leases to total assets | 93.2486% | 9 |
| Net loans and leases to deposits | 134.9281% | 31 |
| Net loans and leases to core deposits | 134.9281% | 247 |
| Total domestic deposits to total assets | 69.1098% | 5,136 |
| Equity capital to assets | 13.4104% | 1,244 |
| Core capital (leverage) ratio | 13.3119% | 1,146 |
| Tier 1 risk-based capital ratio | 25.3165% | 738 |
| Total risk-based capital ratio | 26.5386% | 720 |
| Memoranda: | ||
| Average total assets | $4,334,000 | 5,368 |
| Average earning assets | $4,214,500 | 5,354 |
| Average equity | $582,000 | 5,362 |
| Average total loans | $4,071,000 | 5,319 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 1,087 |
| Cost of funding earning assets | 0.9693% | 845 |
| Net interest margin | 4.0126% | 1,944 |
| Noninterest income to average assets | 0.1743% | 4,853 |
| Noninterest expense to average assets | 3.9664% | 560 |
| Loan and lease loss provision to assets | 0.0218% | 3,731 |
| Net operating income to assets | 0.0654% | 5,203 |
| Return on assets (ROA) | 0.0654% | 5,196 |
| Pretax return on assets | 0.0654% | 5,201 |
| Return on Equity (ROE) | 0.5153% | 5,197 |
| Retained earnings to average equity (ytd only) | 0.5153% | 4,849 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8495% | 177 |
| Assets per employee ($millions) | 2.1715% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 4,719 |
| Loan loss allowance to noncurrent loans | 14.8515% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 4.6512% | 76 |
| Noncurrent loans to loans | 4.9522% | 112 |
| Net loans and leases to total assets | 93.2305% | 14 |
| Net loans and leases to deposits | 130.7817% | 46 |
| Net loans and leases to core deposits | 130.7817% | 303 |
| Total domestic deposits to total assets | 71.2871% | 5,113 |
| Equity capital to assets | 13.4469% | 1,167 |
| Core capital (leverage) ratio | 13.3303% | 1,136 |
| Tier 1 risk-based capital ratio | 26.8136% | 623 |
| Total risk-based capital ratio | 28.0533% | 617 |
| Memoranda: | ||
| Average total assets | $4,588,600 | 5,412 |
| Average earning assets | $4,436,000 | 5,398 |
| Average equity | $582,200 | 5,406 |
| Average total loans | $4,266,200 | 5,362 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 968 |
| Cost of funding earning assets | 0.9789% | 645 |
| Net interest margin | 4.0047% | 1,942 |
| Noninterest income to average assets | 0.1720% | 4,924 |
| Noninterest expense to average assets | 3.9570% | 552 |
| Loan and lease loss provision to assets | 0.0286% | 3,439 |
| Net operating income to assets | 0.0574% | 5,273 |
| Return on assets (ROA) | 0.0574% | 5,266 |
| Pretax return on assets | 0.0574% | 5,272 |
| Return on Equity (ROE) | 0.4590% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.4590% | 4,958 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8723% | 176 |
| Assets per employee ($millions) | 4.5040% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,841 |
| Loan loss allowance to noncurrent loans | 12.0968% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 5.5062% | 70 |
| Noncurrent loans to loans | 5.9344% | 85 |
| Net loans and leases to total assets | 92.1181% | 26 |
| Net loans and leases to deposits | 127.3481% | 63 |
| Net loans and leases to core deposits | 127.3481% | 384 |
| Total domestic deposits to total assets | 72.3357% | 5,102 |
| Equity capital to assets | 12.9440% | 1,360 |
| Core capital (leverage) ratio | 12.7487% | 1,396 |
| Tier 1 risk-based capital ratio | 24.7453% | 778 |
| Total risk-based capital ratio | 25.9762% | 754 |
| Memoranda: | ||
| Average total assets | $4,650,000 | 5,484 |
| Average earning assets | $4,494,750 | 5,470 |
| Average equity | $581,750 | 5,477 |
| Average total loans | $4,313,000 | 5,432 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 1,074 |
| Cost of funding earning assets | 0.9660% | 546 |
| Net interest margin | 3.9078% | 2,176 |
| Noninterest income to average assets | 0.2128% | 4,740 |
| Noninterest expense to average assets | 4.0011% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0000% | 5,342 |
| Return on assets (ROA) | 0.0000% | 5,336 |
| Pretax return on assets | 0.0000% | 5,335 |
| Return on Equity (ROE) | 0.0000% | 5,336 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,955 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 4.6560% | 2,877 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 4,949 |
| Loan loss allowance to noncurrent loans | 12.0482% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 5.3479% | 77 |
| Noncurrent loans to loans | 5.7920% | 96 |
| Net loans and leases to total assets | 91.6881% | 36 |
| Net loans and leases to deposits | 124.7881% | 72 |
| Net loans and leases to core deposits | 124.7881% | 439 |
| Total domestic deposits to total assets | 73.4751% | 5,087 |
| Equity capital to assets | 12.4570% | 1,563 |
| Core capital (leverage) ratio | 12.3457% | 1,518 |
| Tier 1 risk-based capital ratio | 23.8389% | 849 |
| Total risk-based capital ratio | 25.0719% | 820 |
| Memoranda: | ||
| Average total assets | $4,698,670 | 5,548 |
| Average earning assets | $4,555,000 | 5,535 |
| Average equity | $581,330 | 5,542 |
| Average total loans | $4,357,670 | 5,495 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 1,077 |
| Cost of funding earning assets | 0.8732% | 682 |
| Net interest margin | 3.9293% | 1,931 |
| Noninterest income to average assets | 0.3390% | 3,883 |
| Noninterest expense to average assets | 3.8983% | 589 |
| Loan and lease loss provision to assets | 0.0847% | 2,111 |
| Net operating income to assets | 0.1695% | 5,274 |
| Return on assets (ROA) | 0.1695% | 5,270 |
| Pretax return on assets | 0.1695% | 5,283 |
| Return on Equity (ROE) | 1.3746% | 5,270 |
| Retained earnings to average equity (ytd only) | 1.3746% | 4,523 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8776% | 302 |
| Assets per employee ($millions) | 4.6620% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6860% | 5,055 |
| Loan loss allowance to noncurrent loans | 12.3967% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 5.1909% | 92 |
| Noncurrent loans to loans | 5.5340% | 118 |
| Net loans and leases to total assets | 93.1574% | 10 |
| Net loans and leases to deposits | 129.6418% | 37 |
| Net loans and leases to core deposits | 129.6418% | 350 |
| Total domestic deposits to total assets | 71.8576% | 5,293 |
| Equity capital to assets | 12.5054% | 1,485 |
| Core capital (leverage) ratio | 12.4440% | 1,415 |
| Tier 1 risk-based capital ratio | 23.4702% | 894 |
| Total risk-based capital ratio | 24.6779% | 876 |
| Memoranda: | ||
| Average total assets | $4,720,000 | 5,612 |
| Average earning assets | $4,581,000 | 5,599 |
| Average equity | $582,000 | 5,605 |
| Average total loans | $4,387,000 | 5,558 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 1,706 |
| Cost of funding earning assets | 0.7645% | 765 |
| Net interest margin | 3.7351% | 2,661 |
| Noninterest income to average assets | 0.2080% | 4,899 |
| Noninterest expense to average assets | 3.6613% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1040% | 5,253 |
| Return on assets (ROA) | 0.1040% | 5,258 |
| Pretax return on assets | 0.1040% | 5,374 |
| Return on Equity (ROE) | 0.8660% | 5,251 |
| Retained earnings to average equity (ytd only) | 0.8660% | 4,686 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2376% | 223 |
| Assets per employee ($millions) | 4.7780% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6589% | 5,139 |
| Loan loss allowance to noncurrent loans | 12.5000% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 4.8556% | 101 |
| Noncurrent loans to loans | 5.2715% | 121 |
| Net loans and leases to total assets | 91.5027% | 42 |
| Net loans and leases to deposits | 111.4737% | 232 |
| Net loans and leases to core deposits | 111.4737% | 925 |
| Total domestic deposits to total assets | 82.0846% | 3,851 |
| Equity capital to assets | 12.1599% | 1,729 |
| Core capital (leverage) ratio | 12.1269% | 1,543 |
| Tier 1 risk-based capital ratio | 23.3991% | 868 |
| Total risk-based capital ratio | 24.5671% | 866 |
| Memoranda: | ||
| Average total assets | $4,807,000 | 5,677 |
| Average earning assets | $4,578,200 | 5,664 |
| Average equity | $577,400 | 5,670 |
| Average total loans | $4,133,600 | 5,627 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 1,850 |
| Cost of funding earning assets | 0.7000% | 966 |
| Net interest margin | 3.7333% | 2,645 |
| Noninterest income to average assets | 0.2216% | 4,893 |
| Noninterest expense to average assets | 3.7111% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0555% | 5,479 |
| Return on assets (ROA) | 0.0555% | 5,484 |
| Pretax return on assets | 0.0555% | 5,486 |
| Return on Equity (ROE) | 0.4631% | 5,485 |
| Retained earnings to average equity (ytd only) | 0.4631% | 5,116 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5294% | 193 |
| Assets per employee ($millions) | 4.8430% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 5,133 |
| Loan loss allowance to noncurrent loans | 52.7273% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 1,451 |
| Noncurrent loans to loans | 1.3330% | 1,429 |
| Net loans and leases to total assets | 84.5963% | 380 |
| Net loans and leases to deposits | 102.9138% | 555 |
| Net loans and leases to core deposits | 102.9138% | 1,471 |
| Total domestic deposits to total assets | 82.2011% | 3,713 |
| Equity capital to assets | 11.9348% | 2,011 |
| Core capital (leverage) ratio | 11.9619% | 1,710 |
| Tier 1 risk-based capital ratio | 24.9568% | 758 |
| Total risk-based capital ratio | 26.1658% | 748 |
| Memoranda: | ||
| Average total assets | $4,814,250 | 5,743 |
| Average earning assets | $4,571,250 | 5,730 |
| Average equity | $576,500 | 5,737 |
| Average total loans | $4,066,750 | 5,691 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 1,924 |
| Cost of funding earning assets | 0.7422% | 714 |
| Net interest margin | 3.6237% | 2,937 |
| Noninterest income to average assets | 0.2498% | 4,745 |
| Noninterest expense to average assets | 3.6631% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0416% | 5,532 |
| Return on assets (ROA) | 0.0416% | 5,537 |
| Pretax return on assets | 0.0416% | 5,532 |
| Return on Equity (ROE) | 0.3472% | 5,535 |
| Retained earnings to average equity (ytd only) | 0.3472% | 5,006 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8764% | 202 |
| Assets per employee ($millions) | 4.8310% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 5,209 |
| Loan loss allowance to noncurrent loans | 54.7170% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0971% | 1,591 |
| Noncurrent loans to loans | 1.2814% | 1,502 |
| Net loans and leases to total assets | 85.0135% | 346 |
| Net loans and leases to deposits | 103.2688% | 535 |
| Net loans and leases to core deposits | 103.2688% | 1,415 |
| Total domestic deposits to total assets | 82.3225% | 3,797 |
| Equity capital to assets | 11.9230% | 1,981 |
| Core capital (leverage) ratio | 12.0050% | 1,631 |
| Tier 1 risk-based capital ratio | 23.8115% | 874 |
| Total risk-based capital ratio | 25.0103% | 862 |
| Memoranda: | ||
| Average total assets | $4,804,670 | 5,793 |
| Average earning assets | $4,581,000 | 5,780 |
| Average equity | $576,000 | 5,787 |
| Average total loans | $4,047,000 | 5,740 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 1,806 |
| Cost of funding earning assets | 0.7836% | 541 |
| Net interest margin | 3.5699% | 3,005 |
| Noninterest income to average assets | 0.2504% | 4,742 |
| Noninterest expense to average assets | 3.5897% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0835% | 5,538 |
| Return on assets (ROA) | 0.0835% | 5,543 |
| Pretax return on assets | 0.0835% | 5,537 |
| Return on Equity (ROE) | 0.6944% | 5,541 |
| Retained earnings to average equity (ytd only) | 0.6944% | 4,750 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7273% | 273 |
| Assets per employee ($millions) | 4.7980% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 5,252 |
| Loan loss allowance to noncurrent loans | 53.7037% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 1,576 |
| Noncurrent loans to loans | 1.3520% | 1,495 |
| Net loans and leases to total assets | 82.6386% | 498 |
| Net loans and leases to deposits | 100.5580% | 586 |
| Net loans and leases to core deposits | 100.5580% | 1,468 |
| Total domestic deposits to total assets | 82.1801% | 4,124 |
| Equity capital to assets | 12.0050% | 1,837 |
| Core capital (leverage) ratio | 11.9975% | 1,633 |
| Tier 1 risk-based capital ratio | 24.1915% | 849 |
| Total risk-based capital ratio | 25.4095% | 833 |
| Memoranda: | ||
| Average total assets | $4,791,500 | 5,862 |
| Average earning assets | $4,594,000 | 5,849 |
| Average equity | $576,000 | 5,853 |
| Average total loans | $4,002,500 | 5,810 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 1,880 |
| Cost of funding earning assets | 0.7902% | 529 |
| Net interest margin | 3.5900% | 3,105 |
| Noninterest income to average assets | 0.1916% | 5,257 |
| Noninterest expense to average assets | 3.9166% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3406% | 5,751 |
| Return on assets (ROA) | -0.3406% | 5,760 |
| Pretax return on assets | -0.3406% | 5,747 |
| Return on Equity (ROE) | -2.7416% | 5,749 |
| Retained earnings to average equity (ytd only) | -2.7416% | 5,577 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5238% | 130 |
| Assets per employee ($millions) | 4.7850% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 5,316 |
| Loan loss allowance to noncurrent loans | 12.2881% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 4.9321% | 124 |
| Noncurrent loans to loans | 5.8838% | 107 |
| Net loans and leases to total assets | 83.2184% | 461 |
| Net loans and leases to deposits | 101.3747% | 579 |
| Net loans and leases to core deposits | 101.3747% | 1,498 |
| Total domestic deposits to total assets | 82.0899% | 4,052 |
| Equity capital to assets | 12.0376% | 1,774 |
| Core capital (leverage) ratio | 11.9230% | 1,649 |
| Tier 1 risk-based capital ratio | 23.1791% | 953 |
| Total risk-based capital ratio | 24.3461% | 942 |
| Memoranda: | ||
| Average total assets | $4,698,000 | 5,919 |
| Average earning assets | $4,429,000 | 5,907 |
| Average equity | $583,600 | 5,913 |
| Average total loans | $3,833,800 | 5,868 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 1,921 |
| Cost of funding earning assets | 0.7907% | 532 |
| Net interest margin | 3.5881% | 3,118 |
| Noninterest income to average assets | 0.1711% | 5,415 |
| Noninterest expense to average assets | 3.8492% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3137% | 5,827 |
| Return on assets (ROA) | -0.3137% | 5,837 |
| Pretax return on assets | -0.3137% | 5,820 |
| Return on Equity (ROE) | -2.5056% | 5,823 |
| Retained earnings to average equity (ytd only) | -2.5056% | 5,629 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8710% | 130 |
| Assets per employee ($millions) | 2.4100% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 5,368 |
| Loan loss allowance to noncurrent loans | 12.5000% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 4.8133% | 154 |
| Noncurrent loans to loans | 5.8248% | 123 |
| Net loans and leases to total assets | 82.0332% | 613 |
| Net loans and leases to deposits | 105.4400% | 394 |
| Net loans and leases to core deposits | 105.4400% | 1,239 |
| Total domestic deposits to total assets | 77.8008% | 4,949 |
| Equity capital to assets | 12.0539% | 2,080 |
| Core capital (leverage) ratio | 12.1701% | 1,560 |
| Tier 1 risk-based capital ratio | 23.4842% | 947 |
| Total risk-based capital ratio | 24.6564% | 939 |
| Memoranda: | ||
| Average total assets | $4,676,250 | 5,985 |
| Average earning assets | $4,384,750 | 5,973 |
| Average equity | $585,500 | 5,979 |
| Average total loans | $3,789,500 | 5,934 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 1,918 |
| Cost of funding earning assets | 0.7818% | 537 |
| Net interest margin | 3.5873% | 3,147 |
| Noninterest income to average assets | 0.1728% | 5,458 |
| Noninterest expense to average assets | 3.9755% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4321% | 5,907 |
| Return on assets (ROA) | -0.4321% | 5,914 |
| Pretax return on assets | -0.4321% | 5,912 |
| Return on Equity (ROE) | -3.4072% | 5,909 |
| Retained earnings to average equity (ytd only) | -3.4072% | 5,667 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1951% | 132 |
| Assets per employee ($millions) | 4.7140% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7624% | 5,368 |
| Loan loss allowance to noncurrent loans | 12.2881% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 5.0064% | 150 |
| Noncurrent loans to loans | 6.2040% | 113 |
| Net loans and leases to total assets | 80.0806% | 886 |
| Net loans and leases to deposits | 101.3695% | 605 |
| Net loans and leases to core deposits | 101.3695% | 1,522 |
| Total domestic deposits to total assets | 78.9987% | 4,789 |
| Equity capital to assets | 12.3250% | 1,888 |
| Core capital (leverage) ratio | 12.5243% | 1,342 |
| Tier 1 risk-based capital ratio | 24.1079% | 894 |
| Total risk-based capital ratio | 25.3112% | 881 |
| Memoranda: | ||
| Average total assets | $4,628,330 | 6,063 |
| Average earning assets | $4,348,670 | 6,050 |
| Average equity | $587,000 | 6,056 |
| Average total loans | $3,725,000 | 6,011 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,574 |
| Cost of funding earning assets | 0.8396% | 403 |
| Net interest margin | 3.6381% | 2,928 |
| Noninterest income to average assets | 0.1745% | 5,452 |
| Noninterest expense to average assets | 3.9254% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3489% | 5,931 |
| Return on assets (ROA) | -0.3489% | 5,938 |
| Pretax return on assets | -0.3489% | 5,923 |
| Return on Equity (ROE) | -2.7119% | 5,930 |
| Retained earnings to average equity (ytd only) | -2.7119% | 5,449 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7561% | 160 |
| Assets per employee ($millions) | 2.2735% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 5,370 |
| Loan loss allowance to noncurrent loans | 12.6638% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 5.0363% | 161 |
| Noncurrent loans to loans | 6.2878% | 130 |
| Net loans and leases to total assets | 79.4590% | 893 |
| Net loans and leases to deposits | 96.3724% | 909 |
| Net loans and leases to core deposits | 96.3724% | 1,759 |
| Total domestic deposits to total assets | 82.4500% | 4,081 |
| Equity capital to assets | 12.9316% | 1,443 |
| Core capital (leverage) ratio | 12.8384% | 1,223 |
| Tier 1 risk-based capital ratio | 25.3776% | 781 |
| Total risk-based capital ratio | 26.6293% | 768 |
| Memoranda: | ||
| Average total assets | $4,585,500 | 6,127 |
| Average earning assets | $4,288,000 | 6,115 |
| Average equity | $590,000 | 6,120 |
| Average total loans | $3,685,500 | 6,074 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,088 |
| Cost of funding earning assets | 0.9245% | 255 |
| Net interest margin | 3.7840% | 2,429 |
| Noninterest income to average assets | 0.1219% | 5,800 |
| Noninterest expense to average assets | 4.7929% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -1.0967% | 6,107 |
| Return on assets (ROA) | -1.0967% | 6,108 |
| Pretax return on assets | -1.0967% | 6,106 |
| Return on Equity (ROE) | -8.6124% | 6,092 |
| Retained earnings to average equity (ytd only) | -8.6124% | 6,014 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.6703% | 69 |
| Assets per employee ($millions) | 2.3120% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 5,468 |
| Loan loss allowance to noncurrent loans | 12.7753% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 4.9092% | 177 |
| Noncurrent loans to loans | 6.0874% | 137 |
| Net loans and leases to total assets | 80.0173% | 845 |
| Net loans and leases to deposits | 96.8586% | 917 |
| Net loans and leases to core deposits | 96.8586% | 1,763 |
| Total domestic deposits to total assets | 82.6125% | 3,971 |
| Equity capital to assets | 12.8028% | 1,462 |
| Core capital (leverage) ratio | 12.4422% | 1,376 |
| Tier 1 risk-based capital ratio | 25.0423% | 811 |
| Total risk-based capital ratio | 26.2690% | 802 |
| Memoranda: | ||
| Average total assets | $4,924,000 | 6,187 |
| Average earning assets | $4,651,200 | 6,173 |
| Average equity | $627,000 | 6,180 |
| Average total loans | $4,064,600 | 6,130 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 1,042 |
| Cost of funding earning assets | 0.9020% | 287 |
| Net interest margin | 3.8332% | 2,255 |
| Noninterest income to average assets | 0.1066% | 5,932 |
| Noninterest expense to average assets | 4.4275% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.6935% | 6,165 |
| Return on assets (ROA) | -0.6935% | 6,163 |
| Pretax return on assets | -0.6935% | 6,157 |
| Return on Equity (ROE) | -5.4534% | 6,145 |
| Retained earnings to average equity (ytd only) | -5.4534% | 6,037 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5714% | 102 |
| Assets per employee ($millions) | 2.4570% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 5,721 |
| Loan loss allowance to noncurrent loans | 13.6150% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 5.1079% | 191 |
| Noncurrent loans to loans | 5.1674% | 194 |
| Net loans and leases to total assets | 83.2926% | 444 |
| Net loans and leases to deposits | 105.6804% | 378 |
| Net loans and leases to core deposits | 105.6804% | 1,124 |
| Total domestic deposits to total assets | 78.8156% | 5,018 |
| Equity capital to assets | 12.6170% | 1,679 |
| Core capital (leverage) ratio | 12.6016% | 1,360 |
| Tier 1 risk-based capital ratio | 28.5714% | 590 |
| Total risk-based capital ratio | 29.9078% | 577 |
| Memoranda: | ||
| Average total assets | $4,999,000 | 6,275 |
| Average earning assets | $4,730,500 | 6,261 |
| Average equity | $635,750 | 6,268 |
| Average total loans | $4,148,500 | 6,212 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 733 |
| Cost of funding earning assets | 0.9289% | 250 |
| Net interest margin | 3.9688% | 1,738 |
| Noninterest income to average assets | 0.0796% | 6,091 |
| Noninterest expense to average assets | 4.3761% | 465 |
| Loan and lease loss provision to assets | 0.0398% | 3,321 |
| Net operating income to assets | -0.5967% | 6,206 |
| Return on assets (ROA) | -0.5967% | 6,216 |
| Pretax return on assets | -0.5967% | 6,201 |
| Return on Equity (ROE) | -4.6802% | 6,186 |
| Retained earnings to average equity (ytd only) | -4.6802% | 6,005 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5833% | 131 |
| Assets per employee ($millions) | 2.5120% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 5,737 |
| Loan loss allowance to noncurrent loans | 13.8756% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 5.0756% | 212 |
| Noncurrent loans to loans | 5.3221% | 200 |
| Net loans and leases to total assets | 77.5876% | 1,124 |
| Net loans and leases to deposits | 100.5157% | 616 |
| Net loans and leases to core deposits | 100.5157% | 1,449 |
| Total domestic deposits to total assets | 77.1895% | 5,428 |
| Equity capital to assets | 12.5398% | 1,638 |
| Core capital (leverage) ratio | 12.6710% | 1,303 |
| Tier 1 risk-based capital ratio | 30.4054% | 519 |
| Total risk-based capital ratio | 31.6602% | 512 |
| Memoranda: | ||
| Average total assets | $5,027,330 | 6,353 |
| Average earning assets | $4,737,000 | 6,337 |
| Average equity | $641,000 | 6,345 |
| Average total loans | $4,157,330 | 6,285 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 550 |
| Cost of funding earning assets | 0.8390% | 402 |
| Net interest margin | 4.1951% | 1,070 |
| Noninterest income to average assets | 0.1591% | 5,783 |
| Noninterest expense to average assets | 3.9769% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1591% | 5,765 |
| Return on assets (ROA) | 0.1591% | 5,840 |
| Pretax return on assets | 0.1591% | 5,885 |
| Return on Equity (ROE) | 1.2374% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.2374% | 4,993 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1538% | 497 |
| Assets per employee ($millions) | 2.5075% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 5,991 |
| Loan loss allowance to noncurrent loans | 13.3971% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 5.2443% | 227 |
| Noncurrent loans to loans | 4.8335% | 293 |
| Net loans and leases to total assets | 85.6630% | 212 |
| Net loans and leases to deposits | 111.4686% | 189 |
| Net loans and leases to core deposits | 111.4686% | 682 |
| Total domestic deposits to total assets | 76.8495% | 5,638 |
| Equity capital to assets | 12.9013% | 1,450 |
| Core capital (leverage) ratio | 12.8782% | 1,202 |
| Tier 1 risk-based capital ratio | 28.4646% | 626 |
| Total risk-based capital ratio | 29.6964% | 615 |
| Memoranda: | ||
| Average total assets | $5,029,000 | 6,423 |
| Average earning assets | $4,767,500 | 6,407 |
| Average equity | $646,500 | 6,414 |
| Average total loans | $4,272,500 | 6,355 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 528 |
| Cost of funding earning assets | 0.9202% | 344 |
| Net interest margin | 4.2722% | 1,108 |
| Noninterest income to average assets | 0.0616% | 6,267 |
| Noninterest expense to average assets | 4.0016% | 749 |
| Loan and lease loss provision to assets | 0.0205% | 4,206 |
| Net operating income to assets | 0.0410% | 6,039 |
| Return on assets (ROA) | 0.0410% | 6,065 |
| Pretax return on assets | 0.0410% | 6,054 |
| Return on Equity (ROE) | 0.3111% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.3111% | 5,638 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4848% | 409 |
| Assets per employee ($millions) | 2.5215% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 6,052 |
| Loan loss allowance to noncurrent loans | 13.5266% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 5.1755% | 257 |
| Noncurrent loans to loans | 4.9041% | 307 |
| Net loans and leases to total assets | 83.1450% | 416 |
| Net loans and leases to deposits | 107.9835% | 294 |
| Net loans and leases to core deposits | 107.9835% | 891 |
| Total domestic deposits to total assets | 76.9978% | 5,604 |
| Equity capital to assets | 12.8098% | 1,459 |
| Core capital (leverage) ratio | 12.8098% | 1,208 |
| Tier 1 risk-based capital ratio | 26.3351% | 736 |
| Total risk-based capital ratio | 27.4766% | 728 |
| Memoranda: | ||
| Average total assets | $4,873,000 | 6,515 |
| Average earning assets | $4,564,400 | 6,498 |
| Average equity | $642,800 | 6,508 |
| Average total loans | $4,038,600 | 6,450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 492 |
| Cost of funding earning assets | 1.0034% | 245 |
| Net interest margin | 4.2202% | 1,225 |
| Noninterest income to average assets | 0.1381% | 6,082 |
| Noninterest expense to average assets | 4.1126% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0275% | 6,162 |
| Return on assets (ROA) | -0.0275% | 6,176 |
| Pretax return on assets | -0.0275% | 6,162 |
| Return on Equity (ROE) | -0.2072% | 6,173 |
| Retained earnings to average equity (ytd only) | -0.2072% | 5,836 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6757% | 347 |
| Assets per employee ($millions) | 2.4210% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 6,154 |
| Loan loss allowance to noncurrent loans | 13.0435% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 5.3903% | 293 |
| Noncurrent loans to loans | 5.0562% | 355 |
| Net loans and leases to total assets | 83.9942% | 340 |
| Net loans and leases to deposits | 104.6577% | 374 |
| Net loans and leases to core deposits | 104.6577% | 1,057 |
| Total domestic deposits to total assets | 80.2561% | 5,031 |
| Equity capital to assets | 13.2796% | 1,286 |
| Core capital (leverage) ratio | 13.2796% | 1,073 |
| Tier 1 risk-based capital ratio | 27.2112% | 693 |
| Total risk-based capital ratio | 28.3538% | 686 |
| Memoranda: | ||
| Average total assets | $4,830,500 | 6,595 |
| Average earning assets | $4,517,750 | 6,578 |
| Average equity | $642,000 | 6,587 |
| Average total loans | $3,993,000 | 6,531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 501 |
| Cost of funding earning assets | 1.0239% | 230 |
| Net interest margin | 4.1846% | 1,285 |
| Noninterest income to average assets | 0.0829% | 6,342 |
| Noninterest expense to average assets | 4.1436% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1657% | 6,292 |
| Return on assets (ROA) | -0.1657% | 6,306 |
| Pretax return on assets | -0.1657% | 6,291 |
| Return on Equity (ROE) | -1.2467% | 6,287 |
| Retained earnings to average equity (ytd only) | -1.2467% | 5,891 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1667% | 316 |
| Assets per employee ($millions) | 4.8610% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 6,204 |
| Loan loss allowance to noncurrent loans | 46.5517% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.3041% | 1,292 |
| Noncurrent loans to loans | 1.4621% | 2,367 |
| Net loans and leases to total assets | 81.0533% | 566 |
| Net loans and leases to deposits | 100.7673% | 516 |
| Net loans and leases to core deposits | 100.7673% | 1,222 |
| Total domestic deposits to total assets | 80.4361% | 5,149 |
| Equity capital to assets | 13.1660% | 1,284 |
| Core capital (leverage) ratio | 13.1660% | 1,102 |
| Tier 1 risk-based capital ratio | 28.2935% | 626 |
| Total risk-based capital ratio | 29.4872% | 617 |
| Memoranda: | ||
| Average total assets | $4,826,670 | 6,661 |
| Average earning assets | $4,492,670 | 6,646 |
| Average equity | $641,670 | 6,652 |
| Average total loans | $3,959,330 | 6,597 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 450 |
| Cost of funding earning assets | 1.0665% | 195 |
| Net interest margin | 4.1773% | 1,275 |
| Noninterest income to average assets | 0.0832% | 6,383 |
| Noninterest expense to average assets | 4.1584% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1663% | 6,335 |
| Return on assets (ROA) | -0.1663% | 6,339 |
| Pretax return on assets | -0.1663% | 6,325 |
| Return on Equity (ROE) | -1.2451% | 6,317 |
| Retained earnings to average equity (ytd only) | -1.2451% | 5,766 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1667% | 367 |
| Assets per employee ($millions) | 4.8240% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 6,300 |
| Loan loss allowance to noncurrent loans | 33.7500% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.7778% | 1,076 |
| Noncurrent loans to loans | 2.0320% | 1,832 |
| Net loans and leases to total assets | 81.0531% | 457 |
| Net loans and leases to deposits | 101.0075% | 399 |
| Net loans and leases to core deposits | 101.0075% | 1,036 |
| Total domestic deposits to total assets | 80.2446% | 5,439 |
| Equity capital to assets | 13.2877% | 1,174 |
| Core capital (leverage) ratio | 13.2877% | 1,045 |
| Tier 1 risk-based capital ratio | 28.7315% | 592 |
| Total risk-based capital ratio | 29.9417% | 583 |
| Memoranda: | ||
| Average total assets | $4,809,500 | 6,734 |
| Average earning assets | $4,500,500 | 6,719 |
| Average equity | $642,500 | 6,723 |
| Average total loans | $3,955,500 | 6,666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 706 |
| Cost of funding earning assets | 1.1993% | 179 |
| Net interest margin | 3.9533% | 2,093 |
| Noninterest income to average assets | 0.1442% | 6,222 |
| Noninterest expense to average assets | 3.9128% | 972 |
| Loan and lease loss provision to assets | 0.0206% | 4,720 |
| Net operating income to assets | -0.1236% | 6,321 |
| Return on assets (ROA) | -0.1236% | 6,338 |
| Pretax return on assets | -0.1236% | 6,307 |
| Return on Equity (ROE) | -0.9331% | 6,318 |
| Retained earnings to average equity (ytd only) | -0.9331% | 6,049 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7027% | 408 |
| Assets per employee ($millions) | 4.7950% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 6,373 |
| Loan loss allowance to noncurrent loans | 33.7500% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 2.7946% | 1,173 |
| Noncurrent loans to loans | 2.0131% | 1,979 |
| Net loans and leases to total assets | 82.3149% | 385 |
| Net loans and leases to deposits | 102.8132% | 365 |
| Net loans and leases to core deposits | 102.8132% | 983 |
| Total domestic deposits to total assets | 80.0626% | 5,432 |
| Equity capital to assets | 13.4307% | 1,097 |
| Core capital (leverage) ratio | 13.4307% | 979 |
| Tier 1 risk-based capital ratio | 28.5841% | 576 |
| Total risk-based capital ratio | 29.7825% | 569 |
| Memoranda: | ||
| Average total assets | $4,855,800 | 6,816 |
| Average earning assets | $4,502,600 | 6,803 |
| Average equity | $643,000 | 6,809 |
| Average total loans | $3,773,800 | 6,754 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 736 |
| Cost of funding earning assets | 1.1860% | 213 |
| Net interest margin | 3.9435% | 2,136 |
| Noninterest income to average assets | 0.1915% | 6,033 |
| Noninterest expense to average assets | 3.9142% | 948 |
| Loan and lease loss provision to assets | 0.0273% | 4,463 |
| Net operating income to assets | -0.1094% | 6,391 |
| Return on assets (ROA) | -0.1094% | 6,427 |
| Pretax return on assets | -0.1094% | 6,406 |
| Return on Equity (ROE) | -0.8292% | 6,412 |
| Retained earnings to average equity (ytd only) | -0.8292% | 6,106 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1429% | 400 |
| Assets per employee ($millions) | 4.8130% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 6,453 |
| Loan loss allowance to noncurrent loans | 24.7706% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 3.3867% | 1,018 |
| Noncurrent loans to loans | 2.7977% | 1,492 |
| Net loans and leases to total assets | 80.3865% | 506 |
| Net loans and leases to deposits | 100.3111% | 458 |
| Net loans and leases to core deposits | 100.3111% | 1,093 |
| Total domestic deposits to total assets | 80.1371% | 5,467 |
| Equity capital to assets | 13.4012% | 1,163 |
| Core capital (leverage) ratio | 13.4012% | 1,062 |
| Tier 1 risk-based capital ratio | 29.1987% | 557 |
| Total risk-based capital ratio | 30.4210% | 548 |
| Memoranda: | ||
| Average total assets | $4,871,000 | 6,894 |
| Average earning assets | $4,496,750 | 6,881 |
| Average equity | $642,750 | 6,887 |
| Average total loans | $3,723,750 | 6,829 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1149% | 753 |
| Cost of funding earning assets | 1.2009% | 212 |
| Net interest margin | 3.9140% | 2,174 |
| Noninterest income to average assets | 0.2045% | 5,980 |
| Noninterest expense to average assets | 4.1306% | 753 |
| Loan and lease loss provision to assets | 0.0409% | 4,135 |
| Net operating income to assets | -0.3681% | 6,592 |
| Return on assets (ROA) | -0.3681% | 6,613 |
| Pretax return on assets | -0.3681% | 6,581 |
| Return on Equity (ROE) | -2.8037% | 6,565 |
| Retained earnings to average equity (ytd only) | -2.8037% | 6,280 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6022% | 302 |
| Assets per employee ($millions) | 4.8490% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 6,466 |
| Loan loss allowance to noncurrent loans | 9.7122% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 6.8468% | 349 |
| Noncurrent loans to loans | 7.4531% | 300 |
| Net loans and leases to total assets | 76.3663% | 943 |
| Net loans and leases to deposits | 95.0218% | 735 |
| Net loans and leases to core deposits | 95.0218% | 1,442 |
| Total domestic deposits to total assets | 80.3671% | 5,521 |
| Equity capital to assets | 13.1986% | 1,259 |
| Core capital (leverage) ratio | 13.1986% | 1,099 |
| Tier 1 risk-based capital ratio | 29.0249% | 572 |
| Total risk-based capital ratio | 30.2494% | 561 |
| Memoranda: | ||
| Average total assets | $4,890,330 | 6,944 |
| Average earning assets | $4,496,670 | 6,931 |
| Average equity | $642,000 | 6,936 |
| Average total loans | $3,666,330 | 6,880 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 635 |
| Cost of funding earning assets | 1.1401% | 303 |
| Net interest margin | 4.0342% | 1,668 |
| Noninterest income to average assets | 0.1629% | 6,284 |
| Noninterest expense to average assets | 4.8055% | 423 |
| Loan and lease loss provision to assets | 0.0814% | 3,290 |
| Net operating income to assets | -0.9774% | 6,802 |
| Return on assets (ROA) | -0.9774% | 6,815 |
| Pretax return on assets | -0.9774% | 6,800 |
| Return on Equity (ROE) | -7.4650% | 6,750 |
| Retained earnings to average equity (ytd only) | -7.4650% | 6,495 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9167% | 194 |
| Assets per employee ($millions) | 4.9520% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 6,536 |
| Loan loss allowance to noncurrent loans | 17.6471% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 4.1801% | 922 |
| Noncurrent loans to loans | 4.1906% | 1,048 |
| Net loans and leases to total assets | 73.1826% | 1,184 |
| Net loans and leases to deposits | 90.4417% | 925 |
| Net loans and leases to core deposits | 90.4417% | 1,660 |
| Total domestic deposits to total assets | 80.9168% | 5,523 |
| Equity capital to assets | 12.8635% | 1,492 |
| Core capital (leverage) ratio | 12.8635% | 1,166 |
| Tier 1 risk-based capital ratio | 29.3143% | 563 |
| Total risk-based capital ratio | 30.5568% | 558 |
| Memoranda: | ||
| Average total assets | $4,911,000 | 7,022 |
| Average earning assets | $4,561,000 | 7,009 |
| Average equity | $643,000 | 7,010 |
| Average total loans | $3,634,500 | 6,957 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5600% | 554 |
| Cost of funding earning assets | 1.3122% | 356 |
| Net interest margin | 4.2478% | 1,525 |
| Noninterest income to average assets | 0.1670% | 6,197 |
| Noninterest expense to average assets | 3.9040% | 1,096 |
| Loan and lease loss provision to assets | 0.2296% | 2,834 |
| Net operating income to assets | 0.0209% | 6,136 |
| Return on assets (ROA) | 0.0209% | 6,279 |
| Pretax return on assets | 0.0209% | 6,257 |
| Return on Equity (ROE) | 0.1532% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.1532% | 5,764 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9698% | 802 |
| Assets per employee ($millions) | 4.8700% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 6,609 |
| Loan loss allowance to noncurrent loans | 14.6893% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 4.7433% | 845 |
| Noncurrent loans to loans | 4.8922% | 831 |
| Net loans and leases to total assets | 73.7577% | 1,227 |
| Net loans and leases to deposits | 91.8435% | 922 |
| Net loans and leases to core deposits | 91.8435% | 1,646 |
| Total domestic deposits to total assets | 80.3080% | 5,588 |
| Equity capital to assets | 13.3265% | 1,298 |
| Core capital (leverage) ratio | 13.3265% | 1,008 |
| Tier 1 risk-based capital ratio | 30.1300% | 512 |
| Total risk-based capital ratio | 31.3370% | 504 |
| Memoranda: | ||
| Average total assets | $4,790,000 | 7,087 |
| Average earning assets | $4,496,400 | 7,073 |
| Average equity | $652,600 | 7,077 |
| Average total loans | $3,733,600 | 7,024 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 464 |
| Cost of funding earning assets | 1.3350% | 380 |
| Net interest margin | 4.3609% | 1,320 |
| Noninterest income to average assets | 0.1677% | 6,297 |
| Noninterest expense to average assets | 3.8574% | 1,120 |
| Loan and lease loss provision to assets | 0.2237% | 2,821 |
| Net operating income to assets | 0.1956% | 5,930 |
| Return on assets (ROA) | 0.1956% | 6,096 |
| Pretax return on assets | 0.1956% | 6,133 |
| Return on Equity (ROE) | 1.4277% | 6,169 |
| Retained earnings to average equity (ytd only) | 1.4277% | 5,614 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1961% | 1,026 |
| Assets per employee ($millions) | 4.8650% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 6,834 |
| Loan loss allowance to noncurrent loans | 14.1104% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 4.4604% | 1,045 |
| Noncurrent loans to loans | 4.4354% | 1,071 |
| Net loans and leases to total assets | 75.0668% | 1,107 |
| Net loans and leases to deposits | 97.9614% | 546 |
| Net loans and leases to core deposits | 97.9614% | 1,266 |
| Total domestic deposits to total assets | 76.6290% | 6,291 |
| Equity capital to assets | 13.4635% | 1,362 |
| Core capital (leverage) ratio | 13.4635% | 1,027 |
| Tier 1 risk-based capital ratio | 30.3662% | 513 |
| Total risk-based capital ratio | 31.4325% | 509 |
| Memoranda: | ||
| Average total assets | $4,770,000 | 7,183 |
| Average earning assets | $4,494,500 | 7,168 |
| Average equity | $653,500 | 7,175 |
| Average total loans | $3,762,500 | 7,117 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 403 |
| Cost of funding earning assets | 1.2950% | 541 |
| Net interest margin | 4.5103% | 978 |
| Noninterest income to average assets | 0.1688% | 6,336 |
| Noninterest expense to average assets | 4.0521% | 885 |
| Loan and lease loss provision to assets | 0.0844% | 4,539 |
| Net operating income to assets | 0.2955% | 5,633 |
| Return on assets (ROA) | 0.2955% | 5,838 |
| Pretax return on assets | 0.2955% | 5,972 |
| Return on Equity (ROE) | 2.1440% | 5,997 |
| Retained earnings to average equity (ytd only) | 2.1440% | 5,119 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4286% | 967 |
| Assets per employee ($millions) | 4.8200% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4497% | 7,049 |
| Loan loss allowance to noncurrent loans | 23.9437% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4730% | 3,493 |
| Noncurrent loans to loans | 1.8783% | 3,104 |
| Net loans and leases to total assets | 78.0705% | 711 |
| Net loans and leases to deposits | 101.9783% | 342 |
| Net loans and leases to core deposits | 101.9783% | 980 |
| Total domestic deposits to total assets | 76.5560% | 6,392 |
| Equity capital to assets | 13.6100% | 1,262 |
| Core capital (leverage) ratio | 13.6100% | 934 |
| Tier 1 risk-based capital ratio | 31.1195% | 477 |
| Total risk-based capital ratio | 31.9260% | 484 |
| Memoranda: | ||
| Average total assets | $4,738,330 | 7,247 |
| Average earning assets | $4,478,670 | 7,231 |
| Average equity | $653,000 | 7,235 |
| Average total loans | $3,791,670 | 7,178 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0456% | 289 |
| Cost of funding earning assets | 1.4437% | 360 |
| Net interest margin | 4.6018% | 823 |
| Noninterest income to average assets | 0.1703% | 6,357 |
| Noninterest expense to average assets | 3.9170% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5961% | 4,357 |
| Return on assets (ROA) | 0.5961% | 4,574 |
| Pretax return on assets | 0.5961% | 5,131 |
| Return on Equity (ROE) | 4.2978% | 5,142 |
| Retained earnings to average equity (ytd only) | 4.2978% | 4,011 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7925% | 1,401 |
| Assets per employee ($millions) | 2.3585% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3906% | 7,138 |
| Loan loss allowance to noncurrent loans | 6.2762% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 5.0668% | 1,023 |
| Noncurrent loans to loans | 6.2240% | 791 |
| Net loans and leases to total assets | 81.0897% | 334 |
| Net loans and leases to deposits | 106.5163% | 196 |
| Net loans and leases to core deposits | 106.5163% | 657 |
| Total domestic deposits to total assets | 76.1289% | 6,528 |
| Equity capital to assets | 13.8859% | 1,059 |
| Core capital (leverage) ratio | 13.8859% | 830 |
| Tier 1 risk-based capital ratio | 30.7223% | 495 |
| Total risk-based capital ratio | 31.4259% | 503 |
| Memoranda: | ||
| Average total assets | $4,697,500 | 7,310 |
| Average earning assets | $4,433,000 | 7,295 |
| Average equity | $651,500 | 7,296 |
| Average total loans | $3,797,500 | 7,237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3124% | 249 |
| Cost of funding earning assets | 1.4222% | 947 |
| Net interest margin | 4.8902% | 521 |
| Noninterest income to average assets | 0.1894% | 6,146 |
| Noninterest expense to average assets | 4.3806% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4499% | 4,641 |
| Return on assets (ROA) | 0.4499% | 4,850 |
| Pretax return on assets | 0.4499% | 5,129 |
| Return on Equity (ROE) | 2.9697% | 5,300 |
| Retained earnings to average equity (ytd only) | 2.9697% | 4,122 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6863% | 1,138 |
| Assets per employee ($millions) | 2.3390% | 6,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3995% | 7,170 |
| Loan loss allowance to noncurrent loans | 14.4231% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 2.2232% | 2,710 |
| Noncurrent loans to loans | 2.7696% | 2,364 |
| Net loans and leases to total assets | 79.9487% | 498 |
| Net loans and leases to deposits | 104.7619% | 287 |
| Net loans and leases to core deposits | 104.7619% | 854 |
| Total domestic deposits to total assets | 76.3147% | 6,441 |
| Equity capital to assets | 13.8521% | 1,124 |
| Core capital (leverage) ratio | 13.9086% | 848 |
| Tier 1 risk-based capital ratio | 30.7546% | 479 |
| Total risk-based capital ratio | 31.4665% | 498 |
| Memoranda: | ||
| Average total assets | $4,223,200 | 7,361 |
| Average earning assets | $4,008,000 | 7,346 |
| Average equity | $639,800 | 7,348 |
| Average total loans | $3,375,400 | 7,297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2230% | 311 |
| Cost of funding earning assets | 1.4964% | 873 |
| Net interest margin | 4.7269% | 717 |
| Noninterest income to average assets | 0.2270% | 5,991 |
| Noninterest expense to average assets | 4.2178% | 783 |
| Loan and lease loss provision to assets | 0.0324% | 6,036 |
| Net operating income to assets | 0.4867% | 4,597 |
| Return on assets (ROA) | 0.4867% | 4,790 |
| Pretax return on assets | 0.4867% | 5,203 |
| Return on Equity (ROE) | 3.1360% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.1360% | 4,463 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0411% | 1,244 |
| Assets per employee ($millions) | 2.2780% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4066% | 7,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 80.6409% | 451 |
| Net loans and leases to deposits | 106.9267% | 232 |
| Net loans and leases to core deposits | 106.9267% | 814 |
| Total domestic deposits to total assets | 75.4170% | 6,595 |
| Equity capital to assets | 14.1572% | 1,096 |
| Core capital (leverage) ratio | 14.1572% | 859 |
| Tier 1 risk-based capital ratio | 32.8579% | 424 |
| Total risk-based capital ratio | 33.6220% | 435 |
| Memoranda: | ||
| Average total assets | $4,109,500 | 7,440 |
| Average earning assets | $3,920,750 | 7,425 |
| Average equity | $637,750 | 7,426 |
| Average total loans | $3,280,500 | 7,371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2258% | 320 |
| Cost of funding earning assets | 1.4773% | 1,080 |
| Net interest margin | 4.7485% | 658 |
| Noninterest income to average assets | 0.2020% | 6,224 |
| Noninterest expense to average assets | 4.1912% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5555% | 4,286 |
| Return on assets (ROA) | 0.5555% | 4,413 |
| Pretax return on assets | 0.5555% | 4,893 |
| Return on Equity (ROE) | 3.4628% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.4628% | 4,046 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2979% | 1,387 |
| Assets per employee ($millions) | 2.0710% | 7,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4124% | 7,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 81.6272% | 401 |
| Net loans and leases to deposits | 111.4370% | 158 |
| Net loans and leases to core deposits | 111.4370% | 676 |
| Total domestic deposits to total assets | 73.2496% | 6,903 |
| Equity capital to assets | 15.4756% | 705 |
| Core capital (leverage) ratio | 15.4756% | 589 |
| Tier 1 risk-based capital ratio | 35.4339% | 334 |
| Total risk-based capital ratio | 36.2078% | 340 |
| Memoranda: | ||
| Average total assets | $3,960,670 | 7,516 |
| Average earning assets | $3,790,670 | 7,503 |
| Average equity | $635,330 | 7,503 |
| Average total loans | $3,144,330 | 7,448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4009% | 244 |
| Cost of funding earning assets | 1.6273% | 737 |
| Net interest margin | 4.7735% | 601 |
| Noninterest income to average assets | 0.2067% | 6,257 |
| Noninterest expense to average assets | 4.2377% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5168% | 4,423 |
| Return on assets (ROA) | 0.5168% | 4,505 |
| Pretax return on assets | 0.5168% | 4,973 |
| Return on Equity (ROE) | 3.1621% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.1621% | 4,280 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1304% | 1,406 |
| Assets per employee ($millions) | 1.9705% | 7,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4503% | 7,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 78.5334% | 672 |
| Net loans and leases to deposits | 103.5117% | 326 |
| Net loans and leases to core deposits | 103.5117% | 1,094 |
| Total domestic deposits to total assets | 75.8691% | 6,686 |
| Equity capital to assets | 16.1127% | 557 |
| Core capital (leverage) ratio | 16.1127% | 480 |
| Tier 1 risk-based capital ratio | 37.5962% | 286 |
| Total risk-based capital ratio | 38.4251% | 288 |
| Memoranda: | ||
| Average total assets | $3,870,000 | 7,577 |
| Average earning assets | $3,687,000 | 7,564 |
| Average equity | $632,500 | 7,560 |
| Average total loans | $3,019,000 | 7,508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4362% | 351 |
| Cost of funding earning assets | 1.7087% | 1,560 |
| Net interest margin | 4.7275% | 771 |
| Noninterest income to average assets | 0.1347% | 6,718 |
| Noninterest expense to average assets | 4.1480% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4579% | 4,277 |
| Return on assets (ROA) | 0.4579% | 4,446 |
| Pretax return on assets | 0.4579% | 4,768 |
| Return on Equity (ROE) | 2.7287% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.7287% | 3,946 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0585% | 1,322 |
| Assets per employee ($millions) | 1.8995% | 7,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4780% | 7,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 76.7307% | 1,138 |
| Net loans and leases to deposits | 103.6629% | 413 |
| Net loans and leases to core deposits | 103.6629% | 1,332 |
| Total domestic deposits to total assets | 74.0195% | 6,892 |
| Equity capital to assets | 16.5833% | 505 |
| Core capital (leverage) ratio | 16.5833% | 439 |
| Tier 1 risk-based capital ratio | 39.1791% | 253 |
| Total risk-based capital ratio | 40.0498% | 255 |
| Memoranda: | ||
| Average total assets | $3,712,600 | 7,662 |
| Average earning assets | $3,511,400 | 7,650 |
| Average equity | $623,000 | 7,654 |
| Average total loans | $2,813,000 | 7,597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4162% | 397 |
| Cost of funding earning assets | 1.6041% | 2,365 |
| Net interest margin | 4.8124% | 664 |
| Noninterest income to average assets | 0.1444% | 6,822 |
| Noninterest expense to average assets | 4.0458% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6502% | 3,645 |
| Return on assets (ROA) | 0.6502% | 3,813 |
| Pretax return on assets | 0.6502% | 4,422 |
| Return on Equity (ROE) | 3.8632% | 4,842 |
| Retained earnings to average equity (ytd only) | 3.8632% | 3,748 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1538% | 1,619 |
| Assets per employee ($millions) | 1.9010% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3720% | 7,555 |
| Loan loss allowance to noncurrent loans | 10.6796% | 7,174 |
| Noncurrent assets plus other real estate owned to assets | 2.7091% | 2,669 |
| Noncurrent loans to loans | 3.4833% | 2,280 |
| Net loans and leases to total assets | 77.4855% | 1,128 |
| Net loans and leases to deposits | 105.3271% | 389 |
| Net loans and leases to core deposits | 105.3271% | 1,377 |
| Total domestic deposits to total assets | 73.5665% | 6,976 |
| Equity capital to assets | 16.5965% | 575 |
| Core capital (leverage) ratio | 16.5965% | 482 |
| Tier 1 risk-based capital ratio | 39.2902% | 263 |
| Total risk-based capital ratio | 39.9751% | 267 |
| Memoranda: | ||
| Average total assets | $3,691,000 | 7,766 |
| Average earning assets | $3,491,000 | 7,753 |
| Average equity | $621,250 | 7,757 |
| Average total loans | $2,784,000 | 7,698 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3553% | 452 |
| Cost of funding earning assets | 1.6177% | 2,560 |
| Net interest margin | 4.7376% | 751 |
| Noninterest income to average assets | 0.1095% | 7,054 |
| Noninterest expense to average assets | 4.1051% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4926% | 4,363 |
| Return on assets (ROA) | 0.4926% | 4,521 |
| Pretax return on assets | 0.4926% | 4,923 |
| Return on Equity (ROE) | 2.9126% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.9126% | 4,283 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2857% | 1,393 |
| Assets per employee ($millions) | 1.8320% | 7,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3790% | 7,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 78.9028% | 976 |
| Net loans and leases to deposits | 106.0917% | 391 |
| Net loans and leases to core deposits | 106.0917% | 1,432 |
| Total domestic deposits to total assets | 74.3723% | 6,932 |
| Equity capital to assets | 16.9760% | 528 |
| Core capital (leverage) ratio | 16.9760% | 444 |
| Tier 1 risk-based capital ratio | 39.4670% | 261 |
| Total risk-based capital ratio | 40.1650% | 260 |
| Memoranda: | ||
| Average total assets | $3,654,000 | 7,835 |
| Average earning assets | $3,461,670 | 7,822 |
| Average equity | $618,000 | 7,824 |
| Average total loans | $2,726,330 | 7,765 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4084% | 427 |
| Cost of funding earning assets | 1.6312% | 2,770 |
| Net interest margin | 4.7772% | 681 |
| Noninterest income to average assets | 0.1096% | 7,149 |
| Noninterest expense to average assets | 3.9463% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6577% | 3,629 |
| Return on assets (ROA) | 0.6577% | 3,741 |
| Pretax return on assets | 0.6577% | 4,381 |
| Return on Equity (ROE) | 3.8961% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.8961% | 3,805 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,821 |
| Assets per employee ($millions) | 1.8670% | 7,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4190% | 7,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 70.0054% | 2,939 |
| Net loans and leases to deposits | 93.5242% | 1,401 |
| Net loans and leases to core deposits | 93.5242% | 2,901 |
| Total domestic deposits to total assets | 74.8527% | 6,925 |
| Equity capital to assets | 16.5774% | 590 |
| Core capital (leverage) ratio | 16.5774% | 495 |
| Tier 1 risk-based capital ratio | 41.2392% | 235 |
| Total risk-based capital ratio | 41.9720% | 234 |
| Memoranda: | ||
| Average total assets | $3,649,000 | 7,938 |
| Average earning assets | $3,433,000 | 7,926 |
| Average equity | $616,000 | 7,917 |
| Average total loans | $2,638,500 | 7,867 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6130% | 546 |
| Cost of funding earning assets | 2.1637% | 2,172 |
| Net interest margin | 4.4493% | 1,299 |
| Noninterest income to average assets | 0.2575% | 6,268 |
| Noninterest expense to average assets | 4.3207% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1145% | 5,168 |
| Return on assets (ROA) | 0.1145% | 5,223 |
| Pretax return on assets | 0.1145% | 5,189 |
| Return on Equity (ROE) | 0.6519% | 5,343 |
| Retained earnings to average equity (ytd only) | 0.6519% | 4,540 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4194% | 1,245 |
| Assets per employee ($millions) | 1.7820% | 7,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 7,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.1021% | 2,252 |
| Net loans and leases to deposits | 100.1137% | 892 |
| Net loans and leases to core deposits | 121.5370% | 1,833 |
| Total domestic deposits to total assets | 74.0180% | 7,009 |
| Equity capital to assets | 17.1998% | 533 |
| Core capital (leverage) ratio | 17.1998% | 469 |
| Tier 1 risk-based capital ratio | 41.5312% | 224 |
| Total risk-based capital ratio | 42.2764% | 229 |
| Memoranda: | ||
| Average total assets | $3,494,800 | 8,017 |
| Average earning assets | $3,281,400 | 8,005 |
| Average equity | $613,600 | 8,004 |
| Average total loans | $2,539,400 | 7,945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7146% | 498 |
| Cost of funding earning assets | 2.2518% | 2,178 |
| Net interest margin | 4.4628% | 1,283 |
| Noninterest income to average assets | 0.2683% | 6,317 |
| Noninterest expense to average assets | 3.9873% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4601% | 4,162 |
| Return on assets (ROA) | 0.4601% | 4,266 |
| Pretax return on assets | 0.4601% | 4,643 |
| Return on Equity (ROE) | 2.6069% | 4,947 |
| Retained earnings to average equity (ytd only) | 2.6069% | 3,862 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6552% | 1,719 |
| Assets per employee ($millions) | 1.7735% | 7,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4344% | 7,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 71.0741% | 3,254 |
| Net loans and leases to deposits | 96.6641% | 1,492 |
| Net loans and leases to core deposits | 117.6388% | 2,453 |
| Total domestic deposits to total assets | 73.5269% | 7,025 |
| Equity capital to assets | 17.5078% | 562 |
| Core capital (leverage) ratio | 17.5078% | 502 |
| Tier 1 risk-based capital ratio | 43.6096% | 228 |
| Total risk-based capital ratio | 44.3820% | 228 |
| Memoranda: | ||
| Average total assets | $3,477,500 | 8,103 |
| Average earning assets | $3,256,500 | 8,092 |
| Average equity | $613,750 | 8,088 |
| Average total loans | $2,511,250 | 8,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7402% | 502 |
| Cost of funding earning assets | 2.2672% | 2,501 |
| Net interest margin | 4.4730% | 1,235 |
| Noninterest income to average assets | 0.2316% | 6,627 |
| Noninterest expense to average assets | 4.1687% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2895% | 4,944 |
| Return on assets (ROA) | 0.2895% | 5,051 |
| Pretax return on assets | 0.2895% | 5,231 |
| Return on Equity (ROE) | 1.6358% | 5,425 |
| Retained earnings to average equity (ytd only) | 1.6358% | 4,428 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5065% | 1,532 |
| Assets per employee ($millions) | 1.7655% | 7,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4343% | 7,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.4245% | 3,368 |
| Net loans and leases to deposits | 96.6284% | 1,710 |
| Net loans and leases to core deposits | 117.5758% | 2,583 |
| Total domestic deposits to total assets | 73.9167% | 6,959 |
| Equity capital to assets | 17.3888% | 615 |
| Core capital (leverage) ratio | 17.3888% | 569 |
| Tier 1 risk-based capital ratio | 39.8960% | 310 |
| Total risk-based capital ratio | 40.6108% | 313 |
| Memoranda: | ||
| Average total assets | $3,454,330 | 8,199 |
| Average earning assets | $3,264,000 | 8,187 |
| Average equity | $611,330 | 8,180 |
| Average total loans | $2,504,330 | 8,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8670% | 430 |
| Cost of funding earning assets | 2.2072% | 3,130 |
| Net interest margin | 4.6597% | 846 |
| Noninterest income to average assets | 0.1171% | 7,441 |
| Noninterest expense to average assets | 4.3326% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2342% | 5,551 |
| Return on assets (ROA) | 0.2342% | 5,713 |
| Pretax return on assets | 0.2342% | 5,863 |
| Return on Equity (ROE) | 1.3115% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.3115% | 5,111 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8718% | 1,385 |
| Assets per employee ($millions) | 1.7350% | 8,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3929% | 7,952 |
| 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% | 7,590 |
| Net loans and leases to total assets | 73.0548% | 2,996 |
| Net loans and leases to deposits | 99.6854% | 1,452 |
| Net loans and leases to core deposits | 121.6411% | 2,282 |
| Total domestic deposits to total assets | 73.2853% | 7,008 |
| Equity capital to assets | 17.6081% | 655 |
| Core capital (leverage) ratio | 17.6081% | 595 |
| Tier 1 risk-based capital ratio | 40.0656% | 327 |
| Total risk-based capital ratio | 40.7213% | 327 |
| Memoranda: | ||
| Average total assets | $3,416,000 | 8,251 |
| Average earning assets | $3,262,000 | 8,238 |
| Average equity | $610,000 | 8,233 |
| Average total loans | $2,490,000 | 8,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7225% | 1,948 |
| Cost of funding earning assets | 2.6890% | 3,213 |
| Net interest margin | 4.0335% | 2,964 |
| Noninterest income to average assets | 0.2696% | 6,525 |
| Noninterest expense to average assets | 4.0745% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0599% | 6,207 |
| Return on assets (ROA) | 0.0599% | 6,064 |
| Pretax return on assets | 0.0599% | 6,027 |
| Return on Equity (ROE) | 0.3284% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.3284% | 5,041 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5507% | 1,038 |
| Assets per employee ($millions) | 1.6810% | 8,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4107% | 7,963 |
| 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 | 72.1297% | 3,555 |
| Net loans and leases to deposits | 95.2101% | 2,579 |
| Net loans and leases to core deposits | 116.1955% | 3,102 |
| Total domestic deposits to total assets | 75.7585% | 6,295 |
| Equity capital to assets | 18.1142% | 635 |
| Core capital (leverage) ratio | 18.1142% | 595 |
| Tier 1 risk-based capital ratio | 41.6838% | 300 |
| Total risk-based capital ratio | 42.3682% | 304 |
| Memoranda: | ||
| Average total assets | $3,337,800 | 8,308 |
| Average earning assets | $3,198,200 | 8,298 |
| Average equity | $609,000 | 8,298 |
| Average total loans | $2,241,600 | 8,230 |