Home > Luminate Bank > Performance and Condition Ratios
Luminate Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8341% | 482 |
| Cost of funding earning assets | 3.9630% | 75 |
| Net interest margin | 2.8711% | 3,363 |
| Noninterest income to average assets | 51.3200% | 52 |
| Noninterest expense to average assets | 49.9083% | 43 |
| Loan and lease loss provision to assets | 0.6000% | 157 |
| Net operating income to assets | 3.2354% | 120 |
| Return on assets (ROA) | 3.2354% | 124 |
| Pretax return on assets | 3.3473% | 145 |
| Return on Equity (ROE) | 25.2400% | 183 |
| Retained earnings to average equity (ytd only) | 17.9264% | 77 |
| Net charge-offs to loans | 0.7618% | 205 |
| Credit loss provision to net charge-offs | 105.5490% | 1,812 |
| Earnings coverage of net charge-offs (x) | 6.4787% | 2,504 |
| Efficiency ratio | 92.4008% | 421 |
| Assets per employee ($millions) | 0.5135% | 4,415 |
| Cash dividends to net income (ytd only)* | 28.9749% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,262 |
| Loan loss allowance to noncurrent loans | 34.9639% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 2.7677% | 99 |
| Noncurrent loans to loans | 3.3799% | 146 |
| Net loans and leases to total assets | 78.4800% | 841 |
| Net loans and leases to deposits | 102.5524% | 371 |
| Net loans and leases to core deposits | 116.2522% | 717 |
| Total domestic deposits to total assets | 76.5300% | 3,906 |
| Equity capital to assets | 11.3423% | 1,444 |
| Core capital (leverage) ratio | 11.8379% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4713% | 1,399 |
| Memoranda: | ||
| Average total assets | $277,986,000 | 2,563 |
| Average earning assets | $245,724,000 | 2,616 |
| Average equity | $35,634,600 | 2,146 |
| Average total loans | $222,369,600 | 2,230 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9699% | 405 |
| Cost of funding earning assets | 4.2388% | 55 |
| Net interest margin | 2.7311% | 3,557 |
| Noninterest income to average assets | 52.4100% | 51 |
| Noninterest expense to average assets | 49.7580% | 43 |
| Loan and lease loss provision to assets | 0.6400% | 120 |
| Net operating income to assets | 4.4175% | 82 |
| Return on assets (ROA) | 4.4175% | 86 |
| Pretax return on assets | 4.4311% | 96 |
| Return on Equity (ROE) | 33.2400% | 86 |
| Retained earnings to average equity (ytd only) | 28.4628% | 32 |
| Net charge-offs to loans | 0.8008% | 171 |
| Credit loss provision to net charge-offs | 103.0733% | 1,631 |
| Earnings coverage of net charge-offs (x) | 7.8999% | 2,244 |
| Efficiency ratio | 90.4743% | 515 |
| Assets per employee ($millions) | 0.4566% | 4,453 |
| Cash dividends to net income (ytd only)* | 14.3741% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 1,377 |
| Loan loss allowance to noncurrent loans | 37.0721% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 3.0291% | 83 |
| Noncurrent loans to loans | 3.7522% | 127 |
| Net loans and leases to total assets | 79.6100% | 677 |
| Net loans and leases to deposits | 118.2701% | 87 |
| Net loans and leases to core deposits | 139.4368% | 260 |
| Total domestic deposits to total assets | 67.3100% | 4,285 |
| Equity capital to assets | 14.2198% | 692 |
| Core capital (leverage) ratio | 13.1131% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6164% | 840 |
| Memoranda: | ||
| Average total assets | $263,522,250 | 2,626 |
| Average earning assets | $233,990,000 | 2,682 |
| Average equity | $35,020,250 | 2,168 |
| Average total loans | $211,280,500 | 2,285 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2779% | 835 |
| Cost of funding earning assets | 3.6750% | 129 |
| Net interest margin | 2.6029% | 3,737 |
| Noninterest income to average assets | 51.3100% | 51 |
| Noninterest expense to average assets | 47.9886% | 45 |
| Loan and lease loss provision to assets | 0.5600% | 143 |
| Net operating income to assets | 5.0680% | 70 |
| Return on assets (ROA) | 5.0680% | 71 |
| Pretax return on assets | 5.0741% | 90 |
| Return on Equity (ROE) | 39.1100% | 63 |
| Retained earnings to average equity (ytd only) | 31.6406% | 34 |
| Net charge-offs to loans | 0.8926% | 150 |
| Credit loss provision to net charge-offs | 82.6134% | 1,627 |
| Earnings coverage of net charge-offs (x) | 7.8909% | 2,081 |
| Efficiency ratio | 89.2130% | 601 |
| Assets per employee ($millions) | 0.4920% | 4,466 |
| Cash dividends to net income (ytd only)* | 19.0904% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 2,898 |
| Loan loss allowance to noncurrent loans | 31.8597% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 3.0176% | 67 |
| Noncurrent loans to loans | 3.3879% | 145 |
| Net loans and leases to total assets | 80.7900% | 591 |
| Net loans and leases to deposits | 136.9964% | 40 |
| Net loans and leases to core deposits | 172.3270% | 93 |
| Total domestic deposits to total assets | 58.9700% | 4,376 |
| Equity capital to assets | 11.2707% | 1,446 |
| Core capital (leverage) ratio | 13.4895% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8007% | 1,320 |
| Memoranda: | ||
| Average total assets | $259,432,667 | 2,648 |
| Average earning assets | $230,206,000 | 2,700 |
| Average equity | $33,621,333 | 2,196 |
| Average total loans | $207,493,000 | 2,299 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7094% | 463 |
| Cost of funding earning assets | 3.5614% | 143 |
| Net interest margin | 3.1479% | 2,675 |
| Noninterest income to average assets | 45.4600% | 54 |
| Noninterest expense to average assets | 44.1723% | 52 |
| Loan and lease loss provision to assets | 0.6700% | 118 |
| Net operating income to assets | 3.3768% | 132 |
| Return on assets (ROA) | 3.3768% | 132 |
| Pretax return on assets | 3.3839% | 161 |
| Return on Equity (ROE) | 23.7900% | 272 |
| Retained earnings to average equity (ytd only) | 23.7904% | 114 |
| Net charge-offs to loans | 0.7207% | 134 |
| Credit loss provision to net charge-offs | 132.2884% | 1,000 |
| Earnings coverage of net charge-offs (x) | 7.1348% | 1,787 |
| Efficiency ratio | 91.3408% | 538 |
| Assets per employee ($millions) | 0.3605% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 570 |
| Loan loss allowance to noncurrent loans | 56.7606% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.6528% | 92 |
| Noncurrent loans to loans | 3.1355% | 158 |
| Net loans and leases to total assets | 77.4300% | 905 |
| Net loans and leases to deposits | 104.0672% | 336 |
| Net loans and leases to core deposits | 140.8606% | 263 |
| Total domestic deposits to total assets | 74.4000% | 4,101 |
| Equity capital to assets | 14.8106% | 563 |
| Core capital (leverage) ratio | 14.3132% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2183% | 900 |
| Memoranda: | ||
| Average total assets | $224,828,500 | 2,842 |
| Average earning assets | $197,335,500 | 2,915 |
| Average equity | $31,912,000 | 2,276 |
| Average total loans | $177,041,500 | 2,522 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5097% | 159 |
| Cost of funding earning assets | 4.0857% | 39 |
| Net interest margin | 3.4240% | 2,354 |
| Noninterest income to average assets | 55.6200% | 45 |
| Noninterest expense to average assets | 54.9107% | 36 |
| Loan and lease loss provision to assets | 1.6600% | 39 |
| Net operating income to assets | 2.0516% | 435 |
| Return on assets (ROA) | 2.0516% | 419 |
| Pretax return on assets | 2.0654% | 614 |
| Return on Equity (ROE) | 15.4000% | 1,208 |
| Retained earnings to average equity (ytd only) | 14.3961% | 368 |
| Net charge-offs to loans | 1.5623% | 57 |
| Credit loss provision to net charge-offs | 121.6056% | 1,660 |
| Earnings coverage of net charge-offs (x) | 2.8901% | 2,666 |
| Efficiency ratio | 93.6437% | 307 |
| Assets per employee ($millions) | 0.3484% | 4,531 |
| Cash dividends to net income (ytd only)* | 6.5116% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 615 |
| Loan loss allowance to noncurrent loans | 60.4706% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 2.4360% | 96 |
| Noncurrent loans to loans | 2.8657% | 153 |
| Net loans and leases to total assets | 77.3000% | 935 |
| Net loans and leases to deposits | 109.7073% | 208 |
| Net loans and leases to core deposits | 149.8773% | 203 |
| Total domestic deposits to total assets | 70.4600% | 4,272 |
| Equity capital to assets | 13.5746% | 753 |
| Core capital (leverage) ratio | 12.7991% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0673% | 1,260 |
| Memoranda: | ||
| Average total assets | $209,593,200 | 2,918 |
| Average earning assets | $184,988,600 | 2,974 |
| Average equity | $27,924,200 | 2,366 |
| Average total loans | $173,010,200 | 2,502 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6127% | 129 |
| Cost of funding earning assets | 4.1637% | 39 |
| Net interest margin | 3.4490% | 2,340 |
| Noninterest income to average assets | 60.4000% | 41 |
| Noninterest expense to average assets | 57.2961% | 34 |
| Loan and lease loss provision to assets | 1.9400% | 33 |
| Net operating income to assets | 4.0134% | 112 |
| Return on assets (ROA) | 4.0134% | 111 |
| Pretax return on assets | 4.2122% | 121 |
| Return on Equity (ROE) | 30.2800% | 218 |
| Retained earnings to average equity (ytd only) | 30.2795% | 86 |
| Net charge-offs to loans | 1.7388% | 43 |
| Credit loss provision to net charge-offs | 125.4343% | 1,448 |
| Earnings coverage of net charge-offs (x) | 4.2325% | 2,408 |
| Efficiency ratio | 90.3027% | 362 |
| Assets per employee ($millions) | 0.3116% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 694 |
| Loan loss allowance to noncurrent loans | 99.7053% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 299 |
| Noncurrent loans to loans | 1.7071% | 394 |
| Net loans and leases to total assets | 78.6000% | 807 |
| Net loans and leases to deposits | 112.6354% | 150 |
| Net loans and leases to core deposits | 154.5327% | 130 |
| Total domestic deposits to total assets | 69.7900% | 4,330 |
| Equity capital to assets | 13.7245% | 691 |
| Core capital (leverage) ratio | 12.7329% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2016% | 1,268 |
| Memoranda: | ||
| Average total assets | $205,905,250 | 2,951 |
| Average earning assets | $182,077,500 | 3,002 |
| Average equity | $27,291,750 | 2,387 |
| Average total loans | $172,145,500 | 2,513 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2879% | 147 |
| Cost of funding earning assets | 3.9530% | 29 |
| Net interest margin | 3.3348% | 2,674 |
| Noninterest income to average assets | 59.2100% | 40 |
| Noninterest expense to average assets | 55.5859% | 33 |
| Loan and lease loss provision to assets | 2.1800% | 26 |
| Net operating income to assets | 4.2887% | 88 |
| Return on assets (ROA) | 4.2887% | 89 |
| Pretax return on assets | 4.4037% | 98 |
| Return on Equity (ROE) | 32.7900% | 171 |
| Retained earnings to average equity (ytd only) | 32.7900% | 70 |
| Net charge-offs to loans | 2.0636% | 46 |
| Credit loss provision to net charge-offs | 120.0799% | 1,330 |
| Earnings coverage of net charge-offs (x) | 3.7541% | 2,250 |
| Efficiency ratio | 89.4125% | 374 |
| Assets per employee ($millions) | 0.3105% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,826 |
| Loan loss allowance to noncurrent loans | 93.5762% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 329 |
| Noncurrent loans to loans | 1.4136% | 493 |
| Net loans and leases to total assets | 84.8700% | 216 |
| Net loans and leases to deposits | 168.7654% | 10 |
| Net loans and leases to core deposits | 255.9893% | 20 |
| Total domestic deposits to total assets | 50.2900% | 4,524 |
| Equity capital to assets | 11.5832% | 1,181 |
| Core capital (leverage) ratio | 11.9871% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7857% | 1,993 |
| Memoranda: | ||
| Average total assets | $199,968,000 | 3,002 |
| Average earning assets | $177,281,000 | 3,045 |
| Average equity | $26,154,333 | 2,455 |
| Average total loans | $169,895,000 | 2,525 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2247% | 101 |
| Cost of funding earning assets | 2.9105% | 43 |
| Net interest margin | 4.3142% | 782 |
| Noninterest income to average assets | 51.6000% | 45 |
| Noninterest expense to average assets | 51.7017% | 40 |
| Loan and lease loss provision to assets | 2.4300% | 21 |
| Net operating income to assets | 1.2563% | 1,781 |
| Return on assets (ROA) | 1.2563% | 1,757 |
| Pretax return on assets | 1.2722% | 2,251 |
| Return on Equity (ROE) | 8.8900% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.8869% | 1,983 |
| Net charge-offs to loans | 1.3350% | 59 |
| Credit loss provision to net charge-offs | 203.8462% | 819 |
| Earnings coverage of net charge-offs (x) | 3.2915% | 1,890 |
| Efficiency ratio | 93.3205% | 274 |
| Assets per employee ($millions) | 0.2721% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 568 |
| Loan loss allowance to noncurrent loans | 262.4780% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 882 |
| Noncurrent loans to loans | 0.7134% | 1,065 |
| Net loans and leases to total assets | 80.2300% | 516 |
| Net loans and leases to deposits | 131.0960% | 43 |
| Net loans and leases to core deposits | 172.9378% | 66 |
| Total domestic deposits to total assets | 61.2000% | 4,538 |
| Equity capital to assets | 12.8347% | 803 |
| Core capital (leverage) ratio | 14.0080% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2431% | 1,318 |
| Memoranda: | ||
| Average total assets | $175,754,500 | 3,215 |
| Average earning assets | $155,023,000 | 3,266 |
| Average equity | $24,845,500 | 2,555 |
| Average total loans | $148,019,500 | 2,720 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3155% | 78 |
| Cost of funding earning assets | 1.4115% | 39 |
| Net interest margin | 4.9040% | 153 |
| Noninterest income to average assets | 25.4800% | 69 |
| Noninterest expense to average assets | 28.2818% | 61 |
| Loan and lease loss provision to assets | 1.3400% | 33 |
| Net operating income to assets | 0.2470% | 4,413 |
| Return on assets (ROA) | 0.2470% | 4,391 |
| Pretax return on assets | 0.2470% | 4,410 |
| Return on Equity (ROE) | 1.4700% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.4745% | 4,106 |
| Net charge-offs to loans | 0.2668% | 293 |
| Credit loss provision to net charge-offs | 621.5488% | 586 |
| Earnings coverage of net charge-offs (x) | 7.3603% | 2,304 |
| Efficiency ratio | 94.6836% | 218 |
| Assets per employee ($millions) | 0.5772% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 668 |
| Loan loss allowance to noncurrent loans | 107.3523% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 222 |
| Noncurrent loans to loans | 1.6737% | 376 |
| Net loans and leases to total assets | 85.7200% | 173 |
| Net loans and leases to deposits | 112.8019% | 125 |
| Net loans and leases to core deposits | 145.6271% | 108 |
| Total domestic deposits to total assets | 75.9900% | 4,251 |
| Equity capital to assets | 15.7602% | 405 |
| Core capital (leverage) ratio | 15.1106% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0853% | 707 |
| Memoranda: | ||
| Average total assets | $137,657,200 | 3,557 |
| Average earning assets | $123,205,200 | 3,583 |
| Average equity | $23,058,200 | 2,699 |
| Average total loans | $111,299,400 | 3,013 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0128% | 78 |
| Cost of funding earning assets | 1.2111% | 21 |
| Net interest margin | 4.8017% | 147 |
| Noninterest income to average assets | 30.3900% | 63 |
| Noninterest expense to average assets | 31.7993% | 54 |
| Loan and lease loss provision to assets | 1.0100% | 42 |
| Net operating income to assets | 1.8550% | 381 |
| Return on assets (ROA) | 1.8550% | 371 |
| Pretax return on assets | 1.8550% | 652 |
| Return on Equity (ROE) | 10.8900% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.8853% | 1,084 |
| Net charge-offs to loans | 0.0838% | 713 |
| Credit loss provision to net charge-offs | 1,524.2424% | 300 |
| Earnings coverage of net charge-offs (x) | 43.2727% | 1,352 |
| Efficiency ratio | 91.7383% | 281 |
| Assets per employee ($millions) | 0.7307% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,165 |
| Loan loss allowance to noncurrent loans | 309.3178% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 1,355 |
| Noncurrent loans to loans | 0.5018% | 1,544 |
| Net loans and leases to total assets | 78.3300% | 680 |
| Net loans and leases to deposits | 103.8855% | 243 |
| Net loans and leases to core deposits | 137.7228% | 110 |
| Total domestic deposits to total assets | 75.4000% | 4,393 |
| Equity capital to assets | 17.6078% | 294 |
| Core capital (leverage) ratio | 18.7409% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6057% | 520 |
| Memoranda: | ||
| Average total assets | $132,968,250 | 3,627 |
| Average earning assets | $118,233,250 | 3,668 |
| Average equity | $22,660,000 | 2,761 |
| Average total loans | $104,992,750 | 3,096 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7310% | 86 |
| Cost of funding earning assets | 1.1420% | 18 |
| Net interest margin | 4.5890% | 168 |
| Noninterest income to average assets | 32.8801% | 29 |
| Noninterest expense to average assets | 34.7257% | 24 |
| Loan and lease loss provision to assets | 1.1800% | 37 |
| Net operating income to assets | 1.0903% | 1,810 |
| Return on assets (ROA) | 1.0903% | 1,791 |
| Pretax return on assets | 1.0903% | 2,439 |
| Return on Equity (ROE) | 6.4831% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.4831% | 2,178 |
| Net charge-offs to loans | -0.0060% | 3,400 |
| Credit loss provision to net charge-offs | -25,000.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8632% | 292 |
| Assets per employee ($millions) | 0.6604% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,125 |
| Loan loss allowance to noncurrent loans | 277.0519% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 1,381 |
| Noncurrent loans to loans | 0.4740% | 1,694 |
| Net loans and leases to total assets | 85.1588% | 125 |
| Net loans and leases to deposits | 136.5850% | 16 |
| Net loans and leases to core deposits | 171.7225% | 33 |
| Total domestic deposits to total assets | 62.3486% | 4,678 |
| Equity capital to assets | 17.5016% | 251 |
| Core capital (leverage) ratio | 17.7747% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9945% | 854 |
| Memoranda: | ||
| Average total assets | $127,116,333 | 3,727 |
| Average earning assets | $114,011,333 | 3,764 |
| Average equity | $21,378,667 | 2,951 |
| Average total loans | $100,067,333 | 3,185 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4328% | 98 |
| Cost of funding earning assets | 1.1424% | 15 |
| Net interest margin | 4.2904% | 241 |
| Noninterest income to average assets | 33.8186% | 30 |
| Noninterest expense to average assets | 36.0208% | 22 |
| Loan and lease loss provision to assets | 0.5879% | 77 |
| Net operating income to assets | 1.1283% | 1,444 |
| Return on assets (ROA) | 1.1283% | 1,441 |
| Pretax return on assets | 1.1283% | 2,056 |
| Return on Equity (ROE) | 6.8823% | 3,073 |
| Retained earnings to average equity (ytd only) | 6.8823% | 1,933 |
| Net charge-offs to loans | -0.0092% | 3,550 |
| Credit loss provision to net charge-offs | -8,650.0000% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4521% | 346 |
| Assets per employee ($millions) | 0.5482% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 3,088 |
| Loan loss allowance to noncurrent loans | 161.8976% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 1,158 |
| Noncurrent loans to loans | 0.7116% | 1,334 |
| Net loans and leases to total assets | 71.8998% | 842 |
| Net loans and leases to deposits | 99.7718% | 183 |
| Net loans and leases to core deposits | 125.7632% | 116 |
| Total domestic deposits to total assets | 72.0643% | 4,620 |
| Equity capital to assets | 20.0087% | 161 |
| Core capital (leverage) ratio | 19.8126% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6899% | 2,349 |
| Memoranda: | ||
| Average total assets | $117,698,500 | 3,842 |
| Average earning assets | $107,496,000 | 3,839 |
| Average equity | $19,296,000 | 3,210 |
| Average total loans | $87,128,500 | 3,372 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 1,004 |
| Cost of funding earning assets | 0.4011% | 1,537 |
| Net interest margin | 3.7910% | 1,028 |
| Noninterest income to average assets | 1.4877% | 508 |
| Noninterest expense to average assets | 3.9051% | 317 |
| Loan and lease loss provision to assets | 0.2538% | 364 |
| Net operating income to assets | 1.0132% | 2,620 |
| Return on assets (ROA) | 1.0132% | 2,695 |
| Pretax return on assets | 1.0132% | 3,225 |
| Return on Equity (ROE) | 8.9165% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.9165% | 1,225 |
| Net charge-offs to loans | -0.0079% | 3,669 |
| Credit loss provision to net charge-offs | -4,740.0000% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5022% | 1,153 |
| Assets per employee ($millions) | 5.3557% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,305 |
| Loan loss allowance to noncurrent loans | 38.7027% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.1734% | 138 |
| Noncurrent loans to loans | 2.8760% | 210 |
| Net loans and leases to total assets | 74.7295% | 608 |
| Net loans and leases to deposits | 85.3704% | 835 |
| Net loans and leases to core deposits | 107.6438% | 330 |
| Total domestic deposits to total assets | 87.5356% | 2,266 |
| Equity capital to assets | 12.0658% | 1,225 |
| Core capital (leverage) ratio | 12.1904% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0247% | 890 |
| Memoranda: | ||
| Average total assets | $93,364,000 | 4,066 |
| Average earning assets | $90,741,000 | 4,009 |
| Average equity | $10,609,600 | 4,075 |
| Average total loans | $63,218,200 | 3,772 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 1,188 |
| Cost of funding earning assets | 0.4183% | 1,559 |
| Net interest margin | 3.7297% | 1,277 |
| Noninterest income to average assets | 1.4233% | 596 |
| Noninterest expense to average assets | 3.9023% | 309 |
| Loan and lease loss provision to assets | 0.2591% | 345 |
| Net operating income to assets | 0.8837% | 3,298 |
| Return on assets (ROA) | 0.8837% | 3,370 |
| Pretax return on assets | 0.8837% | 3,730 |
| Return on Equity (ROE) | 7.9219% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.9219% | 2,076 |
| Net charge-offs to loans | -0.0091% | 3,637 |
| Credit loss provision to net charge-offs | -4,375.0000% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3435% | 930 |
| Assets per employee ($millions) | 5.0631% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,124 |
| Loan loss allowance to noncurrent loans | 313.4831% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 2,394 |
| Noncurrent loans to loans | 0.3731% | 2,445 |
| Net loans and leases to total assets | 73.5195% | 730 |
| Net loans and leases to deposits | 85.0121% | 886 |
| Net loans and leases to core deposits | 99.6085% | 604 |
| Total domestic deposits to total assets | 86.4811% | 2,566 |
| Equity capital to assets | 13.0916% | 959 |
| Core capital (leverage) ratio | 12.4434% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2411% | 589 |
| Memoranda: | ||
| Average total assets | $89,926,750 | 4,150 |
| Average earning assets | $87,332,500 | 4,101 |
| Average equity | $10,031,000 | 4,181 |
| Average total loans | $58,786,250 | 3,892 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 959 |
| Cost of funding earning assets | 0.4153% | 1,758 |
| Net interest margin | 3.9133% | 947 |
| Noninterest income to average assets | 1.1453% | 867 |
| Noninterest expense to average assets | 4.1304% | 264 |
| Loan and lease loss provision to assets | 0.1138% | 1,104 |
| Net operating income to assets | 0.6990% | 3,767 |
| Return on assets (ROA) | 0.6990% | 3,833 |
| Pretax return on assets | 0.6990% | 4,067 |
| Return on Equity (ROE) | 6.6909% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.6909% | 2,543 |
| Net charge-offs to loans | -0.0110% | 3,707 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5560% | 575 |
| Assets per employee ($millions) | 4.9856% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,805 |
| Loan loss allowance to noncurrent loans | 261.3971% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,493 |
| Noncurrent loans to loans | 0.4680% | 2,273 |
| Net loans and leases to total assets | 60.6047% | 2,346 |
| Net loans and leases to deposits | 69.8372% | 2,428 |
| Net loans and leases to core deposits | 84.1712% | 1,547 |
| Total domestic deposits to total assets | 86.7799% | 2,435 |
| Equity capital to assets | 12.9847% | 950 |
| Core capital (leverage) ratio | 12.5530% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8778% | 342 |
| Memoranda: | ||
| Average total assets | $87,836,000 | 4,199 |
| Average earning assets | $85,248,000 | 4,140 |
| Average equity | $9,176,667 | 4,303 |
| Average total loans | $54,527,667 | 3,997 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 726 |
| Cost of funding earning assets | 0.3905% | 2,169 |
| Net interest margin | 4.1590% | 653 |
| Noninterest income to average assets | 1.2229% | 824 |
| Noninterest expense to average assets | 4.1806% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0807% | 2,539 |
| Return on assets (ROA) | 1.0807% | 2,620 |
| Pretax return on assets | 1.0807% | 3,160 |
| Return on Equity (ROE) | 11.9764% | 2,023 |
| Retained earnings to average equity (ytd only) | 11.9764% | 1,153 |
| Net charge-offs to loans | -0.0152% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4595% | 855 |
| Assets per employee ($millions) | 4.8502% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 3,105 |
| Loan loss allowance to noncurrent loans | 238.6282% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 2,640 |
| Noncurrent loans to loans | 0.4893% | 2,388 |
| Net loans and leases to total assets | 60.7186% | 2,441 |
| Net loans and leases to deposits | 66.4671% | 2,869 |
| Net loans and leases to core deposits | 79.4451% | 2,057 |
| Total domestic deposits to total assets | 91.3513% | 278 |
| Equity capital to assets | 8.3871% | 4,203 |
| Core capital (leverage) ratio | 8.1102% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6512% | 613 |
| Memoranda: | ||
| Average total assets | $84,390,500 | 4,251 |
| Average earning assets | $81,943,500 | 4,194 |
| Average equity | $7,615,000 | 4,469 |
| Average total loans | $52,731,500 | 4,044 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2150% | 71 |
| Cost of funding earning assets | 0.7737% | 1,328 |
| Net interest margin | 5.4413% | 68 |
| Noninterest income to average assets | 3.3385% | 168 |
| Noninterest expense to average assets | 6.5967% | 114 |
| Loan and lease loss provision to assets | 0.4315% | 669 |
| Net operating income to assets | 1.2862% | 1,285 |
| Return on assets (ROA) | 1.2862% | 1,384 |
| Pretax return on assets | 1.2862% | 2,026 |
| Return on Equity (ROE) | 11.0384% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.0384% | 431 |
| Net charge-offs to loans | 0.2489% | 697 |
| Credit loss provision to net charge-offs | 213.2231% | 2,097 |
| Earnings coverage of net charge-offs (x) | 8.4876% | 2,598 |
| Efficiency ratio | 79.3402% | 934 |
| Assets per employee ($millions) | 4.2571% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,194 |
| Loan loss allowance to noncurrent loans | 232.8622% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 2,502 |
| Noncurrent loans to loans | 0.5793% | 2,251 |
| Net loans and leases to total assets | 62.8869% | 2,497 |
| Net loans and leases to deposits | 70.5291% | 2,824 |
| Net loans and leases to core deposits | 87.4986% | 1,746 |
| Total domestic deposits to total assets | 89.1645% | 912 |
| Equity capital to assets | 9.7889% | 3,328 |
| Core capital (leverage) ratio | 10.7511% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1836% | 567 |
| Memoranda: | ||
| Average total assets | $59,787,800 | 4,515 |
| Average earning assets | $54,674,000 | 4,516 |
| Average equity | $6,966,600 | 4,531 |
| Average total loans | $48,606,000 | 4,134 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6158% | 179 |
| Cost of funding earning assets | 0.9070% | 1,045 |
| Net interest margin | 4.7088% | 251 |
| Noninterest income to average assets | 3.7712% | 143 |
| Noninterest expense to average assets | 6.9858% | 108 |
| Loan and lease loss provision to assets | 0.2303% | 1,766 |
| Net operating income to assets | 0.7773% | 3,179 |
| Return on assets (ROA) | 0.7773% | 3,291 |
| Pretax return on assets | 0.7773% | 3,710 |
| Return on Equity (ROE) | 6.3221% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.3221% | 1,962 |
| Net charge-offs to loans | 0.3351% | 466 |
| Credit loss provision to net charge-offs | 78.6885% | 2,765 |
| Earnings coverage of net charge-offs (x) | 3.4426% | 2,915 |
| Efficiency ratio | 87.3950% | 439 |
| Assets per employee ($millions) | 3.5436% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,200 |
| Loan loss allowance to noncurrent loans | 171.8750% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 2,378 |
| Noncurrent loans to loans | 0.4999% | 2,558 |
| Net loans and leases to total assets | 89.5428% | 49 |
| Net loans and leases to deposits | 101.2713% | 485 |
| Net loans and leases to core deposits | 114.7513% | 529 |
| Total domestic deposits to total assets | 88.4187% | 1,004 |
| Equity capital to assets | 11.0623% | 2,352 |
| Core capital (leverage) ratio | 10.7549% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,577,750 | 4,592 |
| Average earning assets | $49,834,250 | 4,609 |
| Average equity | $6,833,000 | 4,567 |
| Average total loans | $48,545,500 | 4,159 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6073% | 275 |
| Cost of funding earning assets | 1.0376% | 877 |
| Net interest margin | 4.5697% | 433 |
| Noninterest income to average assets | 3.6978% | 129 |
| Noninterest expense to average assets | 7.3199% | 102 |
| Loan and lease loss provision to assets | 0.2384% | 1,764 |
| Net operating income to assets | 0.2233% | 4,537 |
| Return on assets (ROA) | 0.2233% | 4,577 |
| Pretax return on assets | 0.2233% | 4,610 |
| Return on Equity (ROE) | 1.7459% | 4,575 |
| Retained earnings to average equity (ytd only) | 1.7459% | 3,855 |
| Net charge-offs to loans | 0.5360% | 294 |
| Credit loss provision to net charge-offs | 51.6393% | 2,617 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,894 |
| Efficiency ratio | 94.0661% | 294 |
| Assets per employee ($millions) | 3.4764% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 3,971 |
| Loan loss allowance to noncurrent loans | 157.6792% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,349 |
| Noncurrent loans to loans | 0.5756% | 2,432 |
| Net loans and leases to total assets | 85.3582% | 166 |
| Net loans and leases to deposits | 96.8048% | 738 |
| Net loans and leases to core deposits | 110.6299% | 716 |
| Total domestic deposits to total assets | 88.1756% | 1,097 |
| Equity capital to assets | 11.4911% | 1,979 |
| Core capital (leverage) ratio | 10.5298% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7150% | 700 |
| Memoranda: | ||
| Average total assets | $52,842,333 | 4,648 |
| Average earning assets | $47,224,000 | 4,669 |
| Average equity | $6,758,667 | 4,596 |
| Average total loans | $45,524,333 | 4,228 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 346 |
| Cost of funding earning assets | 1.2264% | 705 |
| Net interest margin | 4.3055% | 751 |
| Noninterest income to average assets | 3.0379% | 148 |
| Noninterest expense to average assets | 6.8010% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1692% | 4,576 |
| Return on assets (ROA) | 0.1692% | 4,579 |
| Pretax return on assets | 0.1692% | 4,600 |
| Return on Equity (ROE) | 1.2598% | 4,589 |
| Retained earnings to average equity (ytd only) | 1.2598% | 3,681 |
| Net charge-offs to loans | 0.3175% | 457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.6176% | 2,453 |
| Efficiency ratio | 97.5723% | 284 |
| Assets per employee ($millions) | 3.0044% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,460 |
| Loan loss allowance to noncurrent loans | 130.9140% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 1,629 |
| Noncurrent loans to loans | 0.9463% | 1,741 |
| Net loans and leases to total assets | 86.1536% | 133 |
| Net loans and leases to deposits | 102.4460% | 433 |
| Net loans and leases to core deposits | 122.6652% | 394 |
| Total domestic deposits to total assets | 84.0967% | 2,760 |
| Equity capital to assets | 14.8183% | 796 |
| Core capital (leverage) ratio | 12.1409% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7385% | 1,021 |
| Memoranda: | ||
| Average total assets | $49,640,000 | 4,716 |
| Average earning assets | $45,337,000 | 4,716 |
| Average equity | $6,667,500 | 4,638 |
| Average total loans | $42,833,000 | 4,307 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7658% | 348 |
| Cost of funding earning assets | 1.4506% | 461 |
| Net interest margin | 4.3153% | 1,063 |
| Noninterest income to average assets | 1.7287% | 330 |
| Noninterest expense to average assets | 6.4540% | 125 |
| Loan and lease loss provision to assets | 0.5353% | 232 |
| Net operating income to assets | -1.2135% | 5,105 |
| Return on assets (ROA) | -1.2135% | 5,109 |
| Pretax return on assets | -1.2135% | 5,108 |
| Return on Equity (ROE) | -9.0234% | 5,112 |
| Retained earnings to average equity (ytd only) | -9.0234% | 5,050 |
| Net charge-offs to loans | 0.9355% | 173 |
| Credit loss provision to net charge-offs | 66.5000% | 2,964 |
| Earnings coverage of net charge-offs (x) | -0.8425% | 3,652 |
| Efficiency ratio | 111.7422% | 97 |
| Assets per employee ($millions) | 3.8724% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,818 |
| Loan loss allowance to noncurrent loans | 155.0595% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 1,267 |
| Noncurrent loans to loans | 0.7249% | 2,066 |
| Net loans and leases to total assets | 84.5390% | 273 |
| Net loans and leases to deposits | 101.0918% | 521 |
| Net loans and leases to core deposits | 117.2084% | 556 |
| Total domestic deposits to total assets | 83.6260% | 2,985 |
| Equity capital to assets | 12.2791% | 1,960 |
| Core capital (leverage) ratio | 11.5840% | 2,048 |
| Tier 1 risk-based capital ratio | 16.4157% | 2,250 |
| Total risk-based capital ratio | 17.6662% | 2,187 |
| Memoranda: | ||
| Average total assets | $49,690,200 | 4,755 |
| Average earning assets | $46,602,000 | 4,736 |
| Average equity | $6,682,600 | 4,672 |
| Average total loans | $42,758,000 | 4,345 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3921% | 128 |
| Cost of funding earning assets | 1.5379% | 368 |
| Net interest margin | 4.8543% | 376 |
| Noninterest income to average assets | 2.1295% | 241 |
| Noninterest expense to average assets | 6.5950% | 122 |
| Loan and lease loss provision to assets | 0.1046% | 1,842 |
| Net operating income to assets | -0.0193% | 5,067 |
| Return on assets (ROA) | -0.0193% | 5,078 |
| Pretax return on assets | -0.0193% | 5,074 |
| Return on Equity (ROE) | -0.1416% | 5,077 |
| Retained earnings to average equity (ytd only) | -0.1416% | 4,772 |
| Net charge-offs to loans | 1.0256% | 138 |
| Credit loss provision to net charge-offs | 11.8012% | 3,000 |
| Earnings coverage of net charge-offs (x) | 0.0963% | 3,377 |
| Efficiency ratio | 98.7232% | 165 |
| Assets per employee ($millions) | 3.4261% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,242 |
| Loan loss allowance to noncurrent loans | 95.8656% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 2.5607% | 259 |
| Noncurrent loans to loans | 0.8844% | 1,814 |
| Net loans and leases to total assets | 84.4236% | 304 |
| Net loans and leases to deposits | 100.0046% | 637 |
| Net loans and leases to core deposits | 123.9239% | 409 |
| Total domestic deposits to total assets | 84.4198% | 2,664 |
| Equity capital to assets | 13.0059% | 1,623 |
| Core capital (leverage) ratio | 11.8320% | 1,975 |
| Tier 1 risk-based capital ratio | 15.8800% | 2,481 |
| Total risk-based capital ratio | 16.8307% | 2,551 |
| Memoranda: | ||
| Average total assets | $48,459,750 | 4,842 |
| Average earning assets | $45,429,750 | 4,824 |
| Average equity | $6,589,750 | 4,744 |
| Average total loans | $41,859,250 | 4,423 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1010% | 203 |
| Cost of funding earning assets | 1.5106% | 366 |
| Net interest margin | 4.5903% | 632 |
| Noninterest income to average assets | 0.5476% | 2,400 |
| Noninterest expense to average assets | 5.2693% | 181 |
| Loan and lease loss provision to assets | 0.1601% | 1,134 |
| Net operating income to assets | -0.5813% | 5,194 |
| Return on assets (ROA) | -0.5813% | 5,201 |
| Pretax return on assets | -0.5813% | 5,198 |
| Return on Equity (ROE) | -4.2084% | 5,198 |
| Retained earnings to average equity (ytd only) | -4.2084% | 5,028 |
| Net charge-offs to loans | -0.0049% | 4,113 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6881% | 105 |
| Assets per employee ($millions) | 3.5127% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,051 |
| Loan loss allowance to noncurrent loans | 49.2898% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.8631% | 222 |
| Noncurrent loans to loans | 3.2237% | 290 |
| Net loans and leases to total assets | 87.4009% | 136 |
| Net loans and leases to deposits | 110.2725% | 210 |
| Net loans and leases to core deposits | 134.7863% | 246 |
| Total domestic deposits to total assets | 79.2590% | 4,172 |
| Equity capital to assets | 13.3230% | 1,424 |
| Core capital (leverage) ratio | 12.0795% | 1,773 |
| Tier 1 risk-based capital ratio | 16.7857% | 2,147 |
| Total risk-based capital ratio | 18.0449% | 2,087 |
| Memoranda: | ||
| Average total assets | $47,482,330 | 4,899 |
| Average earning assets | $44,484,670 | 4,882 |
| Average equity | $6,558,330 | 4,775 |
| Average total loans | $41,226,330 | 4,464 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 729 |
| Cost of funding earning assets | 1.3504% | 555 |
| Net interest margin | 3.9680% | 1,955 |
| Noninterest income to average assets | 0.0429% | 5,228 |
| Noninterest expense to average assets | 4.4259% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.7033% | 5,269 |
| Return on assets (ROA) | -0.7033% | 5,264 |
| Pretax return on assets | -0.7033% | 5,260 |
| Return on Equity (ROE) | -4.9989% | 5,258 |
| Retained earnings to average equity (ytd only) | -4.9989% | 4,926 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8940% | 79 |
| Assets per employee ($millions) | 3.3849% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,303 |
| Loan loss allowance to noncurrent loans | 46.5909% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 4.5265% | 81 |
| Noncurrent loans to loans | 3.2444% | 306 |
| Net loans and leases to total assets | 90.1958% | 47 |
| Net loans and leases to deposits | 118.6816% | 97 |
| Net loans and leases to core deposits | 146.8696% | 138 |
| Total domestic deposits to total assets | 75.9981% | 4,759 |
| Equity capital to assets | 13.9445% | 1,060 |
| Core capital (leverage) ratio | 14.1549% | 909 |
| Tier 1 risk-based capital ratio | 15.8548% | 2,507 |
| Total risk-based capital ratio | 17.1134% | 2,435 |
| Memoranda: | ||
| Average total assets | $46,634,500 | 4,965 |
| Average earning assets | $43,245,500 | 4,957 |
| Average equity | $6,561,500 | 4,806 |
| Average total loans | $40,001,500 | 4,542 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 1,165 |
| Cost of funding earning assets | 1.2596% | 260 |
| Net interest margin | 3.6877% | 3,083 |
| Noninterest income to average assets | 0.0582% | 5,252 |
| Noninterest expense to average assets | 4.2343% | 390 |
| Loan and lease loss provision to assets | 0.2348% | 759 |
| Net operating income to assets | -1.0058% | 5,340 |
| Return on assets (ROA) | -1.0058% | 5,334 |
| Pretax return on assets | -1.0058% | 5,332 |
| Return on Equity (ROE) | -7.7595% | 5,332 |
| Retained earnings to average equity (ytd only) | -7.7595% | 5,289 |
| Net charge-offs to loans | 0.0329% | 2,748 |
| Credit loss provision to net charge-offs | 838.4615% | 428 |
| Earnings coverage of net charge-offs (x) | -27.5385% | 3,766 |
| Efficiency ratio | 122.2637% | 55 |
| Assets per employee ($millions) | 5.0979% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 695 |
| Loan loss allowance to noncurrent loans | 46.5199% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 4.6751% | 75 |
| Noncurrent loans to loans | 3.8465% | 202 |
| Net loans and leases to total assets | 78.3549% | 1,214 |
| Net loans and leases to deposits | 103.4235% | 513 |
| Net loans and leases to core deposits | 118.7684% | 590 |
| Total domestic deposits to total assets | 75.7612% | 4,779 |
| Equity capital to assets | 14.1998% | 914 |
| Core capital (leverage) ratio | 13.6776% | 1,016 |
| Tier 1 risk-based capital ratio | 17.6686% | 1,855 |
| Total risk-based capital ratio | 18.9231% | 1,805 |
| Memoranda: | ||
| Average total assets | $46,430,800 | 5,006 |
| Average earning assets | $42,872,400 | 4,997 |
| Average equity | $6,018,400 | 4,895 |
| Average total loans | $39,572,000 | 4,564 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 978 |
| Cost of funding earning assets | 1.2501% | 194 |
| Net interest margin | 3.7257% | 2,910 |
| Noninterest income to average assets | -0.0830% | 5,448 |
| Noninterest expense to average assets | 3.9225% | 572 |
| Loan and lease loss provision to assets | -0.0401% | 5,274 |
| Net operating income to assets | -0.5182% | 5,388 |
| Return on assets (ROA) | -0.5182% | 5,383 |
| Pretax return on assets | -0.5182% | 5,382 |
| Return on Equity (ROE) | -4.0943% | 5,381 |
| Retained earnings to average equity (ytd only) | -4.0943% | 5,285 |
| Net charge-offs to loans | 0.0463% | 2,169 |
| Credit loss provision to net charge-offs | -100.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | -13.9255% | 3,471 |
| Efficiency ratio | 116.5957% | 67 |
| Assets per employee ($millions) | 7.0047% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,672 |
| Loan loss allowance to noncurrent loans | 37.7131% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 6.5813% | 48 |
| Noncurrent loans to loans | 3.7288% | 245 |
| Net loans and leases to total assets | 88.5814% | 123 |
| Net loans and leases to deposits | 112.6990% | 217 |
| Net loans and leases to core deposits | 121.9543% | 516 |
| Total domestic deposits to total assets | 78.6000% | 4,395 |
| Equity capital to assets | 13.8217% | 1,017 |
| Core capital (leverage) ratio | 11.9317% | 1,827 |
| Tier 1 risk-based capital ratio | 14.9297% | 2,917 |
| Total risk-based capital ratio | 16.1809% | 2,831 |
| Memoranda: | ||
| Average total assets | $46,568,250 | 5,058 |
| Average earning assets | $43,087,000 | 5,047 |
| Average equity | $5,894,250 | 4,965 |
| Average total loans | $40,313,750 | 4,590 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 1,204 |
| Cost of funding earning assets | 1.1742% | 201 |
| Net interest margin | 3.6436% | 3,140 |
| Noninterest income to average assets | 0.1165% | 5,205 |
| Noninterest expense to average assets | 4.3301% | 349 |
| Loan and lease loss provision to assets | -0.0582% | 5,387 |
| Net operating income to assets | -0.7737% | 5,462 |
| Return on assets (ROA) | -0.7737% | 5,456 |
| Pretax return on assets | -0.7737% | 5,455 |
| Return on Equity (ROE) | -6.2810% | 5,452 |
| Retained earnings to average equity (ytd only) | -6.2810% | 5,338 |
| Net charge-offs to loans | 0.1360% | 1,103 |
| Credit loss provision to net charge-offs | -50.0000% | 4,012 |
| Earnings coverage of net charge-offs (x) | -7.1429% | 3,178 |
| Efficiency ratio | 123.7812% | 60 |
| Assets per employee ($millions) | 6.5403% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 2,051 |
| Loan loss allowance to noncurrent loans | 25.8759% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 6.3781% | 50 |
| Noncurrent loans to loans | 5.1268% | 127 |
| Net loans and leases to total assets | 83.9959% | 459 |
| Net loans and leases to deposits | 104.5314% | 505 |
| Net loans and leases to core deposits | 114.6576% | 763 |
| Total domestic deposits to total assets | 80.3547% | 4,166 |
| Equity capital to assets | 12.6775% | 1,452 |
| Core capital (leverage) ratio | 11.3828% | 2,174 |
| Tier 1 risk-based capital ratio | 14.4425% | 3,145 |
| Total risk-based capital ratio | 15.6947% | 3,057 |
| Memoranda: | ||
| Average total assets | $48,081,670 | 5,087 |
| Average earning assets | $44,626,000 | 5,076 |
| Average equity | $5,922,670 | 5,014 |
| Average total loans | $41,165,000 | 4,606 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 985 |
| Cost of funding earning assets | 1.0703% | 260 |
| Net interest margin | 3.7765% | 2,518 |
| Noninterest income to average assets | 0.2275% | 4,651 |
| Noninterest expense to average assets | 4.0868% | 475 |
| Loan and lease loss provision to assets | -0.2031% | 5,552 |
| Net operating income to assets | -0.1300% | 5,429 |
| Return on assets (ROA) | -0.1300% | 5,422 |
| Pretax return on assets | -0.1300% | 5,420 |
| Return on Equity (ROE) | -1.0699% | 5,422 |
| Retained earnings to average equity (ytd only) | -1.0699% | 4,916 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8745% | 108 |
| Assets per employee ($millions) | 5.2458% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,293 |
| Loan loss allowance to noncurrent loans | 28.2092% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 5.8502% | 73 |
| Noncurrent loans to loans | 4.5730% | 186 |
| Net loans and leases to total assets | 86.5479% | 220 |
| Net loans and leases to deposits | 113.3014% | 188 |
| Net loans and leases to core deposits | 120.8476% | 562 |
| Total domestic deposits to total assets | 76.3874% | 4,932 |
| Equity capital to assets | 12.6536% | 1,403 |
| Core capital (leverage) ratio | 11.1206% | 2,321 |
| Tier 1 risk-based capital ratio | 14.5282% | 3,104 |
| Total risk-based capital ratio | 15.7806% | 3,013 |
| Memoranda: | ||
| Average total assets | $49,231,500 | 5,121 |
| Average earning assets | $45,968,500 | 5,108 |
| Average equity | $5,982,000 | 5,061 |
| Average total loans | $42,261,500 | 4,629 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 836 |
| Cost of funding earning assets | 0.9099% | 353 |
| Net interest margin | 3.9693% | 1,845 |
| Noninterest income to average assets | -0.0453% | 5,638 |
| Noninterest expense to average assets | 3.8601% | 649 |
| Loan and lease loss provision to assets | 0.3600% | 434 |
| Net operating income to assets | -0.6178% | 5,552 |
| Return on assets (ROA) | -0.6178% | 5,551 |
| Pretax return on assets | -0.6178% | 5,566 |
| Return on Equity (ROE) | -5.0546% | 5,537 |
| Retained earnings to average equity (ytd only) | -5.0546% | 5,431 |
| Net charge-offs to loans | 0.0581% | 2,647 |
| Credit loss provision to net charge-offs | 732.0000% | 455 |
| Earnings coverage of net charge-offs (x) | -5.2400% | 4,072 |
| Efficiency ratio | 107.1546% | 115 |
| Assets per employee ($millions) | 5.1251% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,234 |
| Loan loss allowance to noncurrent loans | 29.5298% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 5.3892% | 81 |
| Noncurrent loans to loans | 4.3893% | 192 |
| Net loans and leases to total assets | 83.0598% | 552 |
| Net loans and leases to deposits | 103.5364% | 514 |
| Net loans and leases to core deposits | 107.4568% | 1,183 |
| Total domestic deposits to total assets | 80.2228% | 4,297 |
| Equity capital to assets | 11.6876% | 2,043 |
| Core capital (leverage) ratio | 11.2357% | 2,138 |
| Tier 1 risk-based capital ratio | 14.1182% | 3,296 |
| Total risk-based capital ratio | 15.3702% | 3,198 |
| Memoranda: | ||
| Average total assets | $50,827,600 | 5,141 |
| Average earning assets | $46,708,400 | 5,133 |
| Average equity | $6,212,200 | 5,065 |
| Average total loans | $43,065,200 | 4,643 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 610 |
| Cost of funding earning assets | 0.8942% | 361 |
| Net interest margin | 4.1087% | 1,371 |
| Noninterest income to average assets | 0.0578% | 5,587 |
| Noninterest expense to average assets | 3.8247% | 655 |
| Loan and lease loss provision to assets | 0.4074% | 327 |
| Net operating income to assets | -0.4179% | 5,621 |
| Return on assets (ROA) | -0.4179% | 5,621 |
| Pretax return on assets | -0.4179% | 5,614 |
| Return on Equity (ROE) | -3.3822% | 5,614 |
| Retained earnings to average equity (ytd only) | -3.3822% | 5,503 |
| Net charge-offs to loans | 0.0774% | 2,033 |
| Credit loss provision to net charge-offs | 620.0000% | 529 |
| Earnings coverage of net charge-offs (x) | -0.1599% | 3,701 |
| Efficiency ratio | 100.2757% | 175 |
| Assets per employee ($millions) | 5.4218% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,680 |
| Loan loss allowance to noncurrent loans | 73.0399% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 3.6991% | 190 |
| Noncurrent loans to loans | 1.7015% | 1,062 |
| Net loans and leases to total assets | 86.4723% | 228 |
| Net loans and leases to deposits | 109.6601% | 286 |
| Net loans and leases to core deposits | 114.1084% | 832 |
| Total domestic deposits to total assets | 78.8548% | 4,560 |
| Equity capital to assets | 12.5953% | 1,607 |
| Core capital (leverage) ratio | 11.3266% | 2,164 |
| Tier 1 risk-based capital ratio | 14.4995% | 3,181 |
| Total risk-based capital ratio | 15.7501% | 3,096 |
| Memoranda: | ||
| Average total assets | $50,721,750 | 5,200 |
| Average earning assets | $46,372,250 | 5,195 |
| Average equity | $6,267,750 | 5,118 |
| Average total loans | $43,049,500 | 4,686 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 736 |
| Cost of funding earning assets | 0.8479% | 409 |
| Net interest margin | 4.0295% | 1,518 |
| Noninterest income to average assets | 0.0428% | 5,664 |
| Noninterest expense to average assets | 3.7342% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0273% | 5,564 |
| Return on assets (ROA) | -0.0273% | 5,565 |
| Pretax return on assets | -0.0273% | 5,559 |
| Return on Equity (ROE) | -0.2219% | 5,563 |
| Retained earnings to average equity (ytd only) | -0.2219% | 5,110 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7353% | 178 |
| Assets per employee ($millions) | 6.1998% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 4,409 |
| Loan loss allowance to noncurrent loans | 55.1582% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 4.1232% | 161 |
| Noncurrent loans to loans | 1.7261% | 1,050 |
| Net loans and leases to total assets | 84.1102% | 434 |
| Net loans and leases to deposits | 106.6385% | 378 |
| Net loans and leases to core deposits | 110.8905% | 960 |
| Total domestic deposits to total assets | 78.8741% | 4,645 |
| Equity capital to assets | 12.6981% | 1,524 |
| Core capital (leverage) ratio | 11.5975% | 1,899 |
| Tier 1 risk-based capital ratio | 14.9189% | 2,964 |
| Total risk-based capital ratio | 15.9485% | 2,986 |
| Memoranda: | ||
| Average total assets | $51,363,670 | 5,224 |
| Average earning assets | $46,705,330 | 5,222 |
| Average equity | $6,308,330 | 5,140 |
| Average total loans | $43,157,330 | 4,709 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 743 |
| Cost of funding earning assets | 0.8328% | 404 |
| Net interest margin | 3.9687% | 1,554 |
| Noninterest income to average assets | 0.0153% | 5,787 |
| Noninterest expense to average assets | 3.4835% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1072% | 5,504 |
| Return on assets (ROA) | 0.1072% | 5,510 |
| Pretax return on assets | 0.1072% | 5,507 |
| Return on Equity (ROE) | 0.8870% | 5,517 |
| Retained earnings to average equity (ytd only) | 0.8870% | 4,698 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0149% | 294 |
| Assets per employee ($millions) | 6.4701% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,724 |
| Loan loss allowance to noncurrent loans | 55.1582% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 3.9509% | 193 |
| Noncurrent loans to loans | 1.6484% | 1,175 |
| Net loans and leases to total assets | 84.4304% | 327 |
| Net loans and leases to deposits | 105.9365% | 323 |
| Net loans and leases to core deposits | 109.9338% | 880 |
| Total domestic deposits to total assets | 79.6990% | 4,681 |
| Equity capital to assets | 12.2100% | 1,703 |
| Core capital (leverage) ratio | 11.4497% | 1,985 |
| Tier 1 risk-based capital ratio | 14.3780% | 3,271 |
| Total risk-based capital ratio | 15.3668% | 3,326 |
| Memoranda: | ||
| Average total assets | $52,246,500 | 5,262 |
| Average earning assets | $47,068,000 | 5,272 |
| Average equity | $6,313,500 | 5,190 |
| Average total loans | $43,677,000 | 4,739 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 739 |
| Cost of funding earning assets | 0.6629% | 991 |
| Net interest margin | 4.2369% | 1,041 |
| Noninterest income to average assets | -0.2401% | 5,902 |
| Noninterest expense to average assets | 3.9732% | 628 |
| Loan and lease loss provision to assets | 0.2519% | 835 |
| Net operating income to assets | -0.6092% | 5,802 |
| Return on assets (ROA) | -0.6092% | 5,806 |
| Pretax return on assets | -0.6092% | 5,791 |
| Return on Equity (ROE) | -4.7605% | 5,784 |
| Retained earnings to average equity (ytd only) | -4.7605% | 5,665 |
| Net charge-offs to loans | 0.3198% | 858 |
| Credit loss provision to net charge-offs | 95.5556% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.3556% | 4,180 |
| Efficiency ratio | 109.8812% | 125 |
| Assets per employee ($millions) | 5.8591% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 4,666 |
| Loan loss allowance to noncurrent loans | 45.7241% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 4.1645% | 179 |
| Noncurrent loans to loans | 2.0277% | 880 |
| Net loans and leases to total assets | 81.2600% | 702 |
| Net loans and leases to deposits | 106.4358% | 326 |
| Net loans and leases to core deposits | 110.5550% | 861 |
| Total domestic deposits to total assets | 76.3464% | 5,201 |
| Equity capital to assets | 11.9605% | 1,837 |
| Core capital (leverage) ratio | 11.6833% | 1,805 |
| Tier 1 risk-based capital ratio | 14.2542% | 3,313 |
| Total risk-based capital ratio | 15.2368% | 3,378 |
| Memoranda: | ||
| Average total assets | $51,218,600 | 5,321 |
| Average earning assets | $46,614,200 | 5,319 |
| Average equity | $6,554,000 | 5,174 |
| Average total loans | $42,209,800 | 4,807 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 771 |
| Cost of funding earning assets | 0.6787% | 913 |
| Net interest margin | 4.1956% | 1,129 |
| Noninterest income to average assets | 0.0262% | 5,889 |
| Noninterest expense to average assets | 3.9417% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0734% | 5,752 |
| Return on assets (ROA) | -0.0734% | 5,766 |
| Pretax return on assets | -0.0734% | 5,759 |
| Return on Equity (ROE) | -0.5643% | 5,761 |
| Retained earnings to average equity (ytd only) | -0.5643% | 5,443 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8983% | 196 |
| Assets per employee ($millions) | 5.0877% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 4,582 |
| Loan loss allowance to noncurrent loans | 40.2174% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 5.2244% | 134 |
| Noncurrent loans to loans | 2.4025% | 750 |
| Net loans and leases to total assets | 81.9938% | 621 |
| Net loans and leases to deposits | 104.0170% | 454 |
| Net loans and leases to core deposits | 108.0585% | 1,050 |
| Total domestic deposits to total assets | 78.8274% | 4,762 |
| Equity capital to assets | 12.9567% | 1,505 |
| Core capital (leverage) ratio | 11.9517% | 1,711 |
| Tier 1 risk-based capital ratio | 15.2266% | 2,941 |
| Total risk-based capital ratio | 16.2424% | 2,982 |
| Memoranda: | ||
| Average total assets | $50,840,250 | 5,379 |
| Average earning assets | $46,555,000 | 5,372 |
| Average equity | $6,615,750 | 5,213 |
| Average total loans | $41,949,500 | 4,857 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 586 |
| Cost of funding earning assets | 0.6324% | 1,130 |
| Net interest margin | 4.3752% | 802 |
| Noninterest income to average assets | 0.0275% | 5,957 |
| Noninterest expense to average assets | 3.9781% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0512% | 5,722 |
| Return on assets (ROA) | 0.0512% | 5,756 |
| Pretax return on assets | 0.0512% | 5,759 |
| Return on Equity (ROE) | 0.3925% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.3925% | 5,184 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7305% | 265 |
| Assets per employee ($millions) | 4.8580% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,755 |
| Loan loss allowance to noncurrent loans | 55.9066% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 4.4425% | 180 |
| Noncurrent loans to loans | 1.7009% | 1,248 |
| Net loans and leases to total assets | 79.3312% | 1,015 |
| Net loans and leases to deposits | 99.3299% | 752 |
| Net loans and leases to core deposits | 102.9481% | 1,403 |
| Total domestic deposits to total assets | 79.8664% | 4,577 |
| Equity capital to assets | 12.4163% | 1,832 |
| Core capital (leverage) ratio | 12.2455% | 1,497 |
| Tier 1 risk-based capital ratio | 14.9973% | 3,082 |
| Total risk-based capital ratio | 15.9911% | 3,135 |
| Memoranda: | ||
| Average total assets | $50,828,000 | 5,443 |
| Average earning assets | $46,489,670 | 5,437 |
| Average equity | $6,623,670 | 5,264 |
| Average total loans | $41,891,670 | 4,904 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 582 |
| Cost of funding earning assets | 0.6383% | 1,111 |
| Net interest margin | 4.3617% | 810 |
| Noninterest income to average assets | 0.0242% | 6,030 |
| Noninterest expense to average assets | 4.0547% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0565% | 5,819 |
| Return on assets (ROA) | -0.0565% | 5,840 |
| Pretax return on assets | -0.0565% | 5,843 |
| Return on Equity (ROE) | -0.4231% | 5,843 |
| Retained earnings to average equity (ytd only) | -0.4231% | 5,187 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4141% | 260 |
| Assets per employee ($millions) | 4.3963% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 4,742 |
| Loan loss allowance to noncurrent loans | 55.9835% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 4.9174% | 167 |
| Noncurrent loans to loans | 1.7403% | 1,282 |
| Net loans and leases to total assets | 85.5415% | 254 |
| Net loans and leases to deposits | 104.4568% | 391 |
| Net loans and leases to core deposits | 108.5691% | 941 |
| Total domestic deposits to total assets | 81.8917% | 4,260 |
| Equity capital to assets | 13.6789% | 1,103 |
| Core capital (leverage) ratio | 12.8070% | 1,235 |
| Tier 1 risk-based capital ratio | 13.7835% | 3,825 |
| Total risk-based capital ratio | 14.6989% | 3,933 |
| Memoranda: | ||
| Average total assets | $49,523,000 | 5,520 |
| Average earning assets | $45,120,000 | 5,521 |
| Average equity | $6,618,000 | 5,300 |
| Average total loans | $41,437,500 | 4,960 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 657 |
| Cost of funding earning assets | 0.5632% | 1,650 |
| Net interest margin | 4.4146% | 774 |
| Noninterest income to average assets | -0.0464% | 6,131 |
| Noninterest expense to average assets | 4.2420% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.2742% | 5,988 |
| Return on assets (ROA) | -0.2742% | 5,992 |
| Pretax return on assets | -0.2742% | 5,981 |
| Return on Equity (ROE) | -2.0299% | 5,982 |
| Retained earnings to average equity (ytd only) | -3.9254% | 5,867 |
| Net charge-offs to loans | 0.0099% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -34.0000% | 4,447 |
| Efficiency ratio | 106.9106% | 175 |
| Assets per employee ($millions) | 5.6319% | 1,674 |
| Cash dividends to net income (ytd only)* | -93.3824% | 6,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 4,669 |
| Loan loss allowance to noncurrent loans | 55.9835% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 4.6915% | 194 |
| Noncurrent loans to loans | 1.7688% | 1,257 |
| Net loans and leases to total assets | 80.2849% | 803 |
| Net loans and leases to deposits | 97.0106% | 906 |
| Net loans and leases to core deposits | 100.6082% | 1,464 |
| Total domestic deposits to total assets | 82.7589% | 3,925 |
| Equity capital to assets | 13.0625% | 1,316 |
| Core capital (leverage) ratio | 12.4185% | 1,393 |
| Tier 1 risk-based capital ratio | 13.8293% | 3,813 |
| Total risk-based capital ratio | 14.7469% | 3,943 |
| Memoranda: | ||
| Average total assets | $49,599,000 | 5,553 |
| Average earning assets | $45,100,400 | 5,554 |
| Average equity | $6,700,000 | 5,298 |
| Average total loans | $40,461,000 | 4,991 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 731 |
| Cost of funding earning assets | 0.5579% | 1,737 |
| Net interest margin | 4.3650% | 851 |
| Noninterest income to average assets | 0.0514% | 6,089 |
| Noninterest expense to average assets | 4.3896% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3649% | 6,104 |
| Return on assets (ROA) | -0.3649% | 6,116 |
| Pretax return on assets | -0.3622% | 6,102 |
| Return on Equity (ROE) | -2.6787% | 6,091 |
| Retained earnings to average equity (ytd only) | -5.1984% | 6,027 |
| Net charge-offs to loans | 0.0132% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -33.5197% | 4,165 |
| Efficiency ratio | 108.9933% | 156 |
| Assets per employee ($millions) | 5.6038% | 1,685 |
| Cash dividends to net income (ytd only)* | -94.0722% | 6,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,848 |
| Loan loss allowance to noncurrent loans | 55.9835% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 4.7052% | 221 |
| Noncurrent loans to loans | 1.7474% | 1,363 |
| Net loans and leases to total assets | 81.6850% | 616 |
| Net loans and leases to deposits | 98.7417% | 747 |
| Net loans and leases to core deposits | 102.4240% | 1,350 |
| Total domestic deposits to total assets | 82.7259% | 3,910 |
| Equity capital to assets | 13.1320% | 1,379 |
| Core capital (leverage) ratio | 12.3934% | 1,468 |
| Tier 1 risk-based capital ratio | 14.2455% | 3,703 |
| Total risk-based capital ratio | 15.1914% | 3,821 |
| Memoranda: | ||
| Average total assets | $49,327,000 | 5,626 |
| Average earning assets | $44,931,500 | 5,629 |
| Average equity | $6,719,750 | 5,364 |
| Average total loans | $40,301,000 | 5,049 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 598 |
| Cost of funding earning assets | 0.5628% | 1,704 |
| Net interest margin | 4.4351% | 717 |
| Noninterest income to average assets | 0.0409% | 6,198 |
| Noninterest expense to average assets | 4.5631% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5025% | 6,189 |
| Return on assets (ROA) | -0.5025% | 6,198 |
| Pretax return on assets | -0.4984% | 6,186 |
| Return on Equity (ROE) | -3.6434% | 6,169 |
| Retained earnings to average equity (ytd only) | -7.4052% | 6,106 |
| Net charge-offs to loans | 0.0201% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -30.5000% | 3,871 |
| Efficiency ratio | 112.2613% | 153 |
| Assets per employee ($millions) | 4.4985% | 2,992 |
| Cash dividends to net income (ytd only)* | -103.2520% | 6,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 4,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3263% | 450 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 81.9861% | 555 |
| Net loans and leases to deposits | 94.8695% | 1,062 |
| Net loans and leases to core deposits | 98.3181% | 1,626 |
| Total domestic deposits to total assets | 86.4199% | 2,481 |
| Equity capital to assets | 13.4104% | 1,212 |
| Core capital (leverage) ratio | 12.8427% | 1,238 |
| Tier 1 risk-based capital ratio | 14.4145% | 3,688 |
| Total risk-based capital ratio | 15.3696% | 3,785 |
| Memoranda: | ||
| Average total assets | $48,958,000 | 5,696 |
| Average earning assets | $44,418,000 | 5,702 |
| Average equity | $6,752,000 | 5,398 |
| Average total loans | $39,866,670 | 5,115 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 527 |
| Cost of funding earning assets | 0.5650% | 1,705 |
| Net interest margin | 4.4837% | 619 |
| Noninterest income to average assets | 0.3450% | 4,440 |
| Noninterest expense to average assets | 4.6083% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2218% | 6,157 |
| Return on assets (ROA) | -0.2218% | 6,180 |
| Pretax return on assets | -0.2218% | 6,167 |
| Return on Equity (ROE) | -1.5859% | 6,156 |
| Retained earnings to average equity (ytd only) | -9.0455% | 6,107 |
| Net charge-offs to loans | -0.0102% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0562% | 256 |
| Assets per employee ($millions) | 5.2749% | 2,023 |
| Cash dividends to net income (ytd only)* | -470.3704% | 6,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 4,571 |
| Loan loss allowance to noncurrent loans | 8,240.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 3.5598% | 459 |
| Noncurrent loans to loans | 0.0132% | 5,750 |
| Net loans and leases to total assets | 78.8031% | 824 |
| Net loans and leases to deposits | 92.0003% | 1,190 |
| Net loans and leases to core deposits | 95.5240% | 1,647 |
| Total domestic deposits to total assets | 85.6553% | 3,113 |
| Equity capital to assets | 14.1825% | 925 |
| Core capital (leverage) ratio | 13.0652% | 1,134 |
| Tier 1 risk-based capital ratio | 15.3850% | 3,203 |
| Total risk-based capital ratio | 16.4011% | 3,275 |
| Memoranda: | ||
| Average total assets | $48,695,000 | 5,754 |
| Average earning assets | $43,892,000 | 5,757 |
| Average equity | $6,810,000 | 5,438 |
| Average total loans | $39,311,500 | 5,164 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 490 |
| Cost of funding earning assets | 0.6817% | 1,199 |
| Net interest margin | 4.5508% | 676 |
| Noninterest income to average assets | 0.7434% | 2,111 |
| Noninterest expense to average assets | 4.1309% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6585% | 4,099 |
| Return on assets (ROA) | 0.6585% | 4,199 |
| Pretax return on assets | 0.6626% | 4,748 |
| Return on Equity (ROE) | 4.7535% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.5278% | 3,711 |
| Net charge-offs to loans | 0.0172% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 45.7143% | 992 |
| Efficiency ratio | 86.1771% | 1,151 |
| Assets per employee ($millions) | 4.9916% | 2,332 |
| Cash dividends to net income (ytd only)* | 25.7862% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3456% | 566 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.9139% | 632 |
| Net loans and leases to deposits | 93.9782% | 1,075 |
| Net loans and leases to core deposits | 97.3769% | 1,603 |
| Total domestic deposits to total assets | 86.0986% | 2,782 |
| Equity capital to assets | 13.7972% | 1,033 |
| Core capital (leverage) ratio | 13.4258% | 995 |
| Tier 1 risk-based capital ratio | 14.9140% | 3,534 |
| Total risk-based capital ratio | 15.8730% | 3,635 |
| Memoranda: | ||
| Average total assets | $48,294,200 | 5,828 |
| Average earning assets | $42,981,800 | 5,855 |
| Average equity | $6,689,800 | 5,484 |
| Average total loans | $40,704,400 | 5,151 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3751% | 394 |
| Cost of funding earning assets | 0.7388% | 948 |
| Net interest margin | 4.6363% | 573 |
| Noninterest income to average assets | 0.0473% | 6,390 |
| Noninterest expense to average assets | 4.0203% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1448% | 5,955 |
| Return on assets (ROA) | 0.1448% | 5,988 |
| Pretax return on assets | 0.1503% | 6,009 |
| Return on Equity (ROE) | 1.0440% | 6,020 |
| Retained earnings to average equity (ytd only) | -0.6024% | 5,892 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3952% | 490 |
| Assets per employee ($millions) | 4.8887% | 2,390 |
| Cash dividends to net income (ytd only)* | 157.6951% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 5,019 |
| Loan loss allowance to noncurrent loans | 77.4074% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 5.4554% | 281 |
| Noncurrent loans to loans | 1.3487% | 2,387 |
| Net loans and leases to total assets | 81.0440% | 601 |
| Net loans and leases to deposits | 93.8685% | 1,057 |
| Net loans and leases to core deposits | 98.2931% | 1,505 |
| Total domestic deposits to total assets | 86.3379% | 2,679 |
| Equity capital to assets | 13.5455% | 1,160 |
| Core capital (leverage) ratio | 12.7795% | 1,271 |
| Tier 1 risk-based capital ratio | 14.4915% | 3,892 |
| Total risk-based capital ratio | 15.4801% | 3,989 |
| Memoranda: | ||
| Average total assets | $47,888,750 | 5,903 |
| Average earning assets | $42,590,250 | 5,929 |
| Average equity | $6,640,500 | 5,545 |
| Average total loans | $40,680,500 | 5,205 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4473% | 343 |
| Cost of funding earning assets | 0.7640% | 861 |
| Net interest margin | 4.6833% | 505 |
| Noninterest income to average assets | 0.0631% | 6,402 |
| Noninterest expense to average assets | 4.0163% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1935% | 5,856 |
| Return on assets (ROA) | 0.1935% | 5,907 |
| Pretax return on assets | 0.1977% | 5,951 |
| Return on Equity (ROE) | 1.3842% | 5,972 |
| Retained earnings to average equity (ytd only) | -1.0832% | 5,864 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3094% | 591 |
| Assets per employee ($millions) | 3.9583% | 3,931 |
| Cash dividends to net income (ytd only)* | 178.2609% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,183 |
| Loan loss allowance to noncurrent loans | 93.7220% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 5.4168% | 313 |
| Noncurrent loans to loans | 1.1039% | 3,017 |
| Net loans and leases to total assets | 84.1747% | 289 |
| Net loans and leases to deposits | 97.9351% | 673 |
| Net loans and leases to core deposits | 109.2253% | 721 |
| Total domestic deposits to total assets | 85.9495% | 3,064 |
| Equity capital to assets | 13.9263% | 1,000 |
| Core capital (leverage) ratio | 13.3177% | 1,043 |
| Tier 1 risk-based capital ratio | 14.2131% | 4,118 |
| Total risk-based capital ratio | 15.1838% | 4,240 |
| Memoranda: | ||
| Average total assets | $47,556,000 | 5,967 |
| Average earning assets | $42,149,330 | 5,994 |
| Average equity | $6,646,670 | 5,572 |
| Average total loans | $40,894,670 | 5,235 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 417 |
| Cost of funding earning assets | 0.7975% | 759 |
| Net interest margin | 4.4906% | 671 |
| Noninterest income to average assets | 0.0672% | 6,432 |
| Noninterest expense to average assets | 3.8837% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1597% | 5,910 |
| Return on assets (ROA) | 0.1597% | 5,947 |
| Pretax return on assets | 0.1597% | 5,995 |
| Return on Equity (ROE) | 1.1407% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.1407% | 5,146 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0499% | 637 |
| Assets per employee ($millions) | 4.3188% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 5,390 |
| Loan loss allowance to noncurrent loans | 5,971.4286% | 112 |
| Noncurrent assets plus other real estate owned to assets | 4.4920% | 487 |
| Noncurrent loans to loans | 0.0173% | 6,114 |
| Net loans and leases to total assets | 84.2781% | 220 |
| Net loans and leases to deposits | 98.2479% | 523 |
| Net loans and leases to core deposits | 109.5971% | 599 |
| Total domestic deposits to total assets | 85.7810% | 3,478 |
| Equity capital to assets | 14.0442% | 902 |
| Core capital (leverage) ratio | 13.2470% | 1,072 |
| Tier 1 risk-based capital ratio | 14.1056% | 4,260 |
| Total risk-based capital ratio | 15.0603% | 4,416 |
| Memoranda: | ||
| Average total assets | $47,584,000 | 6,017 |
| Average earning assets | $42,132,500 | 6,051 |
| Average equity | $6,662,500 | 5,601 |
| Average total loans | $41,141,500 | 5,274 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9453% | 190 |
| Cost of funding earning assets | 1.0460% | 363 |
| Net interest margin | 4.8993% | 362 |
| Noninterest income to average assets | 0.4454% | 4,120 |
| Noninterest expense to average assets | 4.2645% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4328% | 5,025 |
| Return on assets (ROA) | 0.4328% | 5,148 |
| Pretax return on assets | 0.4328% | 5,405 |
| Return on Equity (ROE) | 3.1321% | 5,457 |
| Retained earnings to average equity (ytd only) | 1.2223% | 5,280 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7865% | 966 |
| Assets per employee ($millions) | 4.3328% | 3,216 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,570 |
| Loan loss allowance to noncurrent loans | 1,194.2857% | 442 |
| Noncurrent assets plus other real estate owned to assets | 4.4733% | 567 |
| Noncurrent loans to loans | 0.0837% | 5,964 |
| Net loans and leases to total assets | 86.8824% | 121 |
| Net loans and leases to deposits | 103.3958% | 343 |
| Net loans and leases to core deposits | 116.5892% | 406 |
| Total domestic deposits to total assets | 84.0289% | 4,162 |
| Equity capital to assets | 13.9590% | 911 |
| Core capital (leverage) ratio | 13.4277% | 980 |
| Tier 1 risk-based capital ratio | 13.3581% | 4,741 |
| Total risk-based capital ratio | 14.2649% | 4,913 |
| Memoranda: | ||
| Average total assets | $47,368,000 | 6,083 |
| Average earning assets | $41,107,800 | 6,139 |
| Average equity | $6,545,200 | 5,683 |
| Average total loans | $40,564,200 | 5,326 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 189 |
| Cost of funding earning assets | 1.0832% | 339 |
| Net interest margin | 4.8890% | 374 |
| Noninterest income to average assets | 0.5074% | 3,756 |
| Noninterest expense to average assets | 4.3274% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4172% | 5,174 |
| Return on assets (ROA) | 0.4172% | 5,318 |
| Pretax return on assets | 0.4172% | 5,584 |
| Return on Equity (ROE) | 3.0273% | 5,592 |
| Retained earnings to average equity (ytd only) | 0.4705% | 5,781 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2062% | 904 |
| Assets per employee ($millions) | 4.6214% | 2,681 |
| Cash dividends to net income (ytd only)* | 84.4575% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 5,470 |
| Loan loss allowance to noncurrent loans | 55.0000% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 6.1821% | 373 |
| Noncurrent loans to loans | 1.9334% | 2,323 |
| Net loans and leases to total assets | 84.1542% | 235 |
| Net loans and leases to deposits | 98.3860% | 548 |
| Net loans and leases to core deposits | 111.1171% | 537 |
| Total domestic deposits to total assets | 85.5347% | 3,476 |
| Equity capital to assets | 14.2814% | 883 |
| Core capital (leverage) ratio | 13.3338% | 1,085 |
| Tier 1 risk-based capital ratio | 13.8863% | 4,510 |
| Total risk-based capital ratio | 14.8380% | 4,657 |
| Memoranda: | ||
| Average total assets | $47,294,750 | 6,156 |
| Average earning assets | $40,989,000 | 6,210 |
| Average equity | $6,518,250 | 5,763 |
| Average total loans | $40,248,500 | 5,387 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8791% | 216 |
| Cost of funding earning assets | 1.1477% | 260 |
| Net interest margin | 4.7314% | 476 |
| Noninterest income to average assets | 0.0378% | 6,704 |
| Noninterest expense to average assets | 4.2598% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1217% | 6,427 |
| Return on assets (ROA) | -0.1217% | 6,472 |
| Pretax return on assets | -0.1217% | 6,443 |
| Return on Equity (ROE) | -0.8935% | 6,447 |
| Retained earnings to average equity (ytd only) | -4.7450% | 6,444 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9412% | 399 |
| Assets per employee ($millions) | 4.6959% | 2,517 |
| Cash dividends to net income (ytd only)* | -431.0345% | 6,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 5,669 |
| Loan loss allowance to noncurrent loans | 55.0000% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 6.0840% | 444 |
| Noncurrent loans to loans | 1.8894% | 2,515 |
| Net loans and leases to total assets | 84.7676% | 195 |
| Net loans and leases to deposits | 98.4956% | 516 |
| Net loans and leases to core deposits | 112.4654% | 473 |
| Total domestic deposits to total assets | 86.0623% | 3,327 |
| Equity capital to assets | 13.6779% | 1,063 |
| Core capital (leverage) ratio | 12.4425% | 1,392 |
| Tier 1 risk-based capital ratio | 13.1255% | 5,048 |
| Total risk-based capital ratio | 14.0518% | 5,220 |
| Memoranda: | ||
| Average total assets | $47,655,000 | 6,191 |
| Average earning assets | $41,298,670 | 6,245 |
| Average equity | $6,491,000 | 5,814 |
| Average total loans | $40,561,670 | 5,402 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 219 |
| Cost of funding earning assets | 1.1656% | 263 |
| Net interest margin | 4.6719% | 500 |
| Noninterest income to average assets | 0.0333% | 6,786 |
| Noninterest expense to average assets | 3.9498% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1250% | 6,102 |
| Return on assets (ROA) | 0.1250% | 6,192 |
| Pretax return on assets | 0.1250% | 6,214 |
| Return on Equity (ROE) | 0.9195% | 6,238 |
| Retained earnings to average equity (ytd only) | -6.7433% | 6,457 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9325% | 685 |
| Assets per employee ($millions) | 5.8459% | 1,375 |
| Cash dividends to net income (ytd only)* | 833.3333% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 5,735 |
| Loan loss allowance to noncurrent loans | 55.0000% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 6.1090% | 522 |
| Noncurrent loans to loans | 1.9351% | 2,697 |
| Net loans and leases to total assets | 83.0864% | 228 |
| Net loans and leases to deposits | 96.7796% | 501 |
| Net loans and leases to core deposits | 110.5997% | 479 |
| Total domestic deposits to total assets | 85.8511% | 3,611 |
| Equity capital to assets | 13.8303% | 1,080 |
| Core capital (leverage) ratio | 12.5107% | 1,332 |
| Tier 1 risk-based capital ratio | 13.3196% | 4,996 |
| Total risk-based capital ratio | 14.2529% | 5,165 |
| Memoranda: | ||
| Average total assets | $48,003,000 | 6,246 |
| Average earning assets | $41,525,000 | 6,298 |
| Average equity | $6,525,000 | 5,857 |
| Average total loans | $40,730,500 | 5,432 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3469% | 153 |
| Cost of funding earning assets | 1.4831% | 176 |
| Net interest margin | 4.8638% | 483 |
| Noninterest income to average assets | 0.0833% | 6,569 |
| Noninterest expense to average assets | 4.0695% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2717% | 5,569 |
| Return on assets (ROA) | 0.2717% | 5,777 |
| Pretax return on assets | 0.2737% | 5,870 |
| Return on Equity (ROE) | 2.0471% | 5,884 |
| Retained earnings to average equity (ytd only) | -11.6998% | 6,688 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6986% | 812 |
| Assets per employee ($millions) | 5.4710% | 1,708 |
| Cash dividends to net income (ytd only)* | 671.5328% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 5,996 |
| Loan loss allowance to noncurrent loans | 25.2415% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 5.8023% | 614 |
| Noncurrent loans to loans | 3.9255% | 1,214 |
| Net loans and leases to total assets | 84.8271% | 183 |
| Net loans and leases to deposits | 98.2846% | 491 |
| Net loans and leases to core deposits | 113.3768% | 429 |
| Total domestic deposits to total assets | 86.3076% | 3,198 |
| Equity capital to assets | 13.3675% | 1,280 |
| Core capital (leverage) ratio | 12.8178% | 1,191 |
| Tier 1 risk-based capital ratio | 13.2107% | 4,958 |
| Total risk-based capital ratio | 14.1195% | 5,139 |
| Memoranda: | ||
| Average total assets | $50,424,400 | 6,202 |
| Average earning assets | $44,163,400 | 6,231 |
| Average equity | $6,692,400 | 5,851 |
| Average total loans | $43,341,000 | 5,357 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4417% | 149 |
| Cost of funding earning assets | 1.5503% | 159 |
| Net interest margin | 4.8913% | 480 |
| Noninterest income to average assets | 0.0841% | 6,673 |
| Noninterest expense to average assets | 4.1271% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2339% | 5,828 |
| Return on assets (ROA) | 0.2339% | 6,009 |
| Pretax return on assets | 0.2366% | 6,075 |
| Return on Equity (ROE) | 1.7658% | 6,087 |
| Retained earnings to average equity (ytd only) | -16.4876% | 6,931 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5783% | 741 |
| Assets per employee ($millions) | 6.0130% | 1,239 |
| Cash dividends to net income (ytd only)* | 1,033.7435% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,162 |
| Loan loss allowance to noncurrent loans | 25.2415% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 5.9392% | 676 |
| Noncurrent loans to loans | 3.8758% | 1,338 |
| Net loans and leases to total assets | 87.9532% | 95 |
| Net loans and leases to deposits | 103.4905% | 299 |
| Net loans and leases to core deposits | 120.0971% | 309 |
| Total domestic deposits to total assets | 84.9867% | 3,747 |
| Equity capital to assets | 13.5893% | 1,315 |
| Core capital (leverage) ratio | 12.6381% | 1,347 |
| Tier 1 risk-based capital ratio | 13.0708% | 5,192 |
| Total risk-based capital ratio | 13.9772% | 5,417 |
| Memoranda: | ||
| Average total assets | $50,720,750 | 6,264 |
| Average earning assets | $44,376,750 | 6,299 |
| Average equity | $6,720,000 | 5,904 |
| Average total loans | $43,629,750 | 5,406 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5511% | 137 |
| Cost of funding earning assets | 1.6478% | 126 |
| Net interest margin | 4.9033% | 470 |
| Noninterest income to average assets | 0.1047% | 6,655 |
| Noninterest expense to average assets | 4.2409% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1279% | 6,097 |
| Return on assets (ROA) | 0.1279% | 6,260 |
| Pretax return on assets | 0.1318% | 6,263 |
| Return on Equity (ROE) | 0.9733% | 6,302 |
| Retained earnings to average equity (ytd only) | -26.1613% | 7,065 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9858% | 657 |
| Assets per employee ($millions) | 6.3120% | 1,063 |
| Cash dividends to net income (ytd only)* | 2,787.8788% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,144 |
| Loan loss allowance to noncurrent loans | 25.2415% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 5.6579% | 774 |
| Noncurrent loans to loans | 3.9750% | 1,391 |
| Net loans and leases to total assets | 81.6738% | 357 |
| Net loans and leases to deposits | 93.9325% | 778 |
| Net loans and leases to core deposits | 111.8943% | 512 |
| Total domestic deposits to total assets | 86.9495% | 2,801 |
| Equity capital to assets | 12.8307% | 1,603 |
| Core capital (leverage) ratio | 11.8493% | 1,682 |
| Tier 1 risk-based capital ratio | 13.1404% | 5,083 |
| Total risk-based capital ratio | 14.0603% | 5,302 |
| Memoranda: | ||
| Average total assets | $51,593,000 | 6,271 |
| Average earning assets | $44,908,330 | 6,315 |
| Average equity | $6,781,000 | 5,909 |
| Average total loans | $43,930,670 | 5,431 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5414% | 151 |
| Cost of funding earning assets | 1.7386% | 108 |
| Net interest margin | 4.8028% | 559 |
| Noninterest income to average assets | 0.1151% | 6,675 |
| Noninterest expense to average assets | 4.1042% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2838% | 5,709 |
| Return on assets (ROA) | 0.2838% | 5,874 |
| Pretax return on assets | 0.2915% | 5,998 |
| Return on Equity (ROE) | 2.1350% | 6,028 |
| Retained earnings to average equity (ytd only) | -50.9521% | 7,218 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3682% | 855 |
| Assets per employee ($millions) | 6.4601% | 1,002 |
| Cash dividends to net income (ytd only)* | 2,486.4865% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 6,495 |
| Loan loss allowance to noncurrent loans | 25.2415% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 6.2151% | 732 |
| Noncurrent loans to loans | 3.6438% | 1,703 |
| Net loans and leases to total assets | 87.1287% | 90 |
| Net loans and leases to deposits | 101.5493% | 323 |
| Net loans and leases to core deposits | 120.7212% | 300 |
| Total domestic deposits to total assets | 85.7994% | 3,641 |
| Equity capital to assets | 12.5578% | 1,684 |
| Core capital (leverage) ratio | 11.7849% | 1,718 |
| Tier 1 risk-based capital ratio | 12.2191% | 5,809 |
| Total risk-based capital ratio | 13.0738% | 6,055 |
| Memoranda: | ||
| Average total assets | $52,141,500 | 6,298 |
| Average earning assets | $46,473,000 | 6,315 |
| Average equity | $6,932,000 | 5,892 |
| Average total loans | $45,066,000 | 5,415 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1555% | 334 |
| Cost of funding earning assets | 1.8760% | 164 |
| Net interest margin | 4.2795% | 1,773 |
| Noninterest income to average assets | 0.0989% | 6,644 |
| Noninterest expense to average assets | 3.6530% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3492% | 5,070 |
| Return on assets (ROA) | 0.3492% | 5,231 |
| Pretax return on assets | 0.3492% | 5,428 |
| Return on Equity (ROE) | 2.4447% | 5,491 |
| Retained earnings to average equity (ytd only) | -1.3446% | 6,066 |
| Net charge-offs to loans | 0.0289% | 6,034 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 13.8462% | 1,511 |
| Efficiency ratio | 91.2748% | 1,098 |
| Assets per employee ($millions) | 6.5753% | 918 |
| Cash dividends to net income (ytd only)* | 155.0000% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.9086% | 1,468 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 84.1546% | 203 |
| Net loans and leases to deposits | 98.1726% | 550 |
| Net loans and leases to core deposits | 113.6275% | 513 |
| Total domestic deposits to total assets | 85.7211% | 3,475 |
| Equity capital to assets | 14.0185% | 1,051 |
| Core capital (leverage) ratio | 13.3965% | 1,008 |
| Tier 1 risk-based capital ratio | 14.3951% | 4,046 |
| Total risk-based capital ratio | 15.2724% | 4,265 |
| Memoranda: | ||
| Average total assets | $51,547,000 | 6,315 |
| Average earning assets | $47,015,000 | 6,295 |
| Average equity | $7,362,800 | 5,755 |
| Average total loans | $45,046,400 | 5,470 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1429% | 366 |
| Cost of funding earning assets | 1.8982% | 181 |
| Net interest margin | 4.2447% | 1,932 |
| Noninterest income to average assets | 0.1222% | 6,651 |
| Noninterest expense to average assets | 4.2404% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2288% | 6,415 |
| Return on assets (ROA) | -0.2288% | 6,492 |
| Pretax return on assets | -0.2288% | 6,437 |
| Return on Equity (ROE) | -1.5942% | 6,437 |
| Retained earnings to average equity (ytd only) | -3.3876% | 6,463 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7032% | 508 |
| Assets per employee ($millions) | 5.1342% | 2,016 |
| Cash dividends to net income (ytd only)* | -112.5032% | 7,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 6,334 |
| Loan loss allowance to noncurrent loans | 3,315.3846% | 131 |
| Noncurrent assets plus other real estate owned to assets | 3.9461% | 1,555 |
| Noncurrent loans to loans | 0.0297% | 6,863 |
| Net loans and leases to total assets | 84.3442% | 201 |
| Net loans and leases to deposits | 98.6311% | 541 |
| Net loans and leases to core deposits | 114.6306% | 538 |
| Total domestic deposits to total assets | 85.5148% | 3,483 |
| Equity capital to assets | 14.2008% | 1,084 |
| Core capital (leverage) ratio | 13.1728% | 1,162 |
| Tier 1 risk-based capital ratio | 14.5885% | 3,912 |
| Total risk-based capital ratio | 15.5170% | 4,111 |
| Memoranda: | ||
| Average total assets | $51,283,250 | 6,379 |
| Average earning assets | $46,991,000 | 6,339 |
| Average equity | $7,360,000 | 5,796 |
| Average total loans | $45,136,750 | 5,509 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1932% | 331 |
| Cost of funding earning assets | 1.8935% | 213 |
| Net interest margin | 4.2997% | 1,654 |
| Noninterest income to average assets | 0.0390% | 7,083 |
| Noninterest expense to average assets | 4.3735% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3745% | 6,595 |
| Return on assets (ROA) | -0.3745% | 6,626 |
| Pretax return on assets | -0.3745% | 6,577 |
| Return on Equity (ROE) | -2.6006% | 6,557 |
| Retained earnings to average equity (ytd only) | -5.2824% | 6,588 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3659% | 485 |
| Assets per employee ($millions) | 5.1896% | 1,886 |
| Cash dividends to net income (ytd only)* | -103.1250% | 7,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 6,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1698% | 2,119 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 87.5674% | 90 |
| Net loans and leases to deposits | 102.1168% | 384 |
| Net loans and leases to core deposits | 106.5810% | 896 |
| Total domestic deposits to total assets | 85.7523% | 3,469 |
| Equity capital to assets | 14.0358% | 1,087 |
| Core capital (leverage) ratio | 13.2010% | 1,086 |
| Tier 1 risk-based capital ratio | 14.4216% | 3,849 |
| Total risk-based capital ratio | 15.3407% | 4,076 |
| Memoranda: | ||
| Average total assets | $51,263,670 | 6,441 |
| Average earning assets | $47,213,000 | 6,388 |
| Average equity | $7,383,000 | 5,807 |
| Average total loans | $45,604,000 | 5,535 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1974% | 336 |
| Cost of funding earning assets | 1.5132% | 1,114 |
| Net interest margin | 4.6842% | 734 |
| Noninterest income to average assets | 0.0157% | 7,258 |
| Noninterest expense to average assets | 4.2554% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0864% | 6,132 |
| Return on assets (ROA) | 0.0864% | 6,182 |
| Pretax return on assets | 0.0864% | 6,203 |
| Return on Equity (ROE) | 0.5920% | 6,245 |
| Retained earnings to average equity (ytd only) | -4.7360% | 6,498 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0108% | 829 |
| Assets per employee ($millions) | 5.1623% | 1,943 |
| Cash dividends to net income (ytd only)* | 900.0000% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 6,585 |
| Loan loss allowance to noncurrent loans | 135.5346% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 2.8340% | 2,433 |
| Noncurrent loans to loans | 0.6943% | 5,634 |
| Net loans and leases to total assets | 87.8852% | 82 |
| Net loans and leases to deposits | 102.8356% | 351 |
| Net loans and leases to core deposits | 108.2327% | 835 |
| Total domestic deposits to total assets | 85.4619% | 3,805 |
| Equity capital to assets | 14.3115% | 928 |
| Core capital (leverage) ratio | 13.2951% | 1,028 |
| Tier 1 risk-based capital ratio | 14.5348% | 3,712 |
| Total risk-based capital ratio | 15.4601% | 3,900 |
| Memoranda: | ||
| Average total assets | $50,947,500 | 6,501 |
| Average earning assets | $47,052,000 | 6,449 |
| Average equity | $7,432,500 | 5,793 |
| Average total loans | $45,468,500 | 5,588 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0593% | 137 |
| Cost of funding earning assets | 1.9601% | 698 |
| Net interest margin | 5.0992% | 355 |
| Noninterest income to average assets | 0.3644% | 5,193 |
| Noninterest expense to average assets | 4.0482% | 1,097 |
| Loan and lease loss provision to assets | 0.7917% | 2,063 |
| Net operating income to assets | 0.1889% | 5,302 |
| Return on assets (ROA) | 0.1889% | 5,478 |
| Pretax return on assets | 0.1946% | 5,499 |
| Return on Equity (ROE) | 1.3244% | 5,613 |
| Retained earnings to average equity (ytd only) | 0.7893% | 5,161 |
| Net charge-offs to loans | 0.6866% | 2,949 |
| Credit loss provision to net charge-offs | 130.0940% | 3,057 |
| Earnings coverage of net charge-offs (x) | 1.6207% | 4,523 |
| Efficiency ratio | 80.4092% | 2,361 |
| Assets per employee ($millions) | 5.0272% | 2,120 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,555 |
| Loan loss allowance to noncurrent loans | 135.5346% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 2.9022% | 2,420 |
| Noncurrent loans to loans | 0.7045% | 5,641 |
| Net loans and leases to total assets | 88.9282% | 76 |
| Net loans and leases to deposits | 104.7641% | 373 |
| Net loans and leases to core deposits | 120.9676% | 505 |
| Total domestic deposits to total assets | 84.8842% | 3,914 |
| Equity capital to assets | 14.8731% | 820 |
| Core capital (leverage) ratio | 13.8658% | 870 |
| Tier 1 risk-based capital ratio | 15.2695% | 3,119 |
| Total risk-based capital ratio | 16.2153% | 3,223 |
| Memoranda: | ||
| Average total assets | $52,418,200 | 6,448 |
| Average earning assets | $48,007,400 | 6,429 |
| Average equity | $7,475,200 | 5,885 |
| Average total loans | $46,460,600 | 5,615 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1585% | 120 |
| Cost of funding earning assets | 1.9686% | 834 |
| Net interest margin | 5.1899% | 304 |
| Noninterest income to average assets | 0.4029% | 4,936 |
| Noninterest expense to average assets | 4.1166% | 921 |
| Loan and lease loss provision to assets | 1.0449% | 1,418 |
| Net operating income to assets | -0.0201% | 6,031 |
| Return on assets (ROA) | -0.0201% | 6,157 |
| Pretax return on assets | -0.0126% | 6,104 |
| Return on Equity (ROE) | -0.1427% | 6,154 |
| Retained earnings to average equity (ytd only) | -0.8562% | 5,989 |
| Net charge-offs to loans | 0.9090% | 2,182 |
| Credit loss provision to net charge-offs | 130.0940% | 3,106 |
| Earnings coverage of net charge-offs (x) | 1.2853% | 4,793 |
| Efficiency ratio | 79.9511% | 2,343 |
| Assets per employee ($millions) | 5.1790% | 1,963 |
| Cash dividends to net income (ytd only)* | -499.8126% | 7,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,657 |
| Loan loss allowance to noncurrent loans | 39.4328% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 4.3136% | 1,577 |
| Noncurrent loans to loans | 2.3470% | 3,293 |
| Net loans and leases to total assets | 89.0906% | 81 |
| Net loans and leases to deposits | 108.5315% | 286 |
| Net loans and leases to core deposits | 125.3907% | 464 |
| Total domestic deposits to total assets | 82.0873% | 4,956 |
| Equity capital to assets | 14.2479% | 1,103 |
| Core capital (leverage) ratio | 13.4865% | 1,066 |
| Tier 1 risk-based capital ratio | 14.3913% | 3,574 |
| Total risk-based capital ratio | 15.2967% | 3,772 |
| Memoranda: | ||
| Average total assets | $52,954,750 | 6,509 |
| Average earning assets | $48,426,000 | 6,491 |
| Average equity | $7,474,750 | 5,957 |
| Average total loans | $46,791,500 | 5,682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2773% | 112 |
| Cost of funding earning assets | 1.9757% | 965 |
| Net interest margin | 5.3016% | 246 |
| Noninterest income to average assets | 0.6861% | 2,781 |
| Noninterest expense to average assets | 4.0793% | 946 |
| Loan and lease loss provision to assets | 0.5624% | 2,523 |
| Net operating income to assets | 0.8623% | 2,685 |
| Return on assets (ROA) | 0.8623% | 2,821 |
| Pretax return on assets | 0.8736% | 3,604 |
| Return on Equity (ROE) | 6.1279% | 3,743 |
| Retained earnings to average equity (ytd only) | 5.0622% | 2,872 |
| Net charge-offs to loans | 0.8450% | 2,138 |
| Credit loss provision to net charge-offs | 75.7576% | 4,818 |
| Earnings coverage of net charge-offs (x) | 1.9343% | 4,069 |
| Efficiency ratio | 73.9633% | 3,479 |
| Assets per employee ($millions) | 4.7023% | 2,579 |
| Cash dividends to net income (ytd only)* | 17.3913% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 7,345 |
| Loan loss allowance to noncurrent loans | 26.2580% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 6.4128% | 882 |
| Noncurrent loans to loans | 2.4609% | 3,185 |
| Net loans and leases to total assets | 85.3127% | 268 |
| Net loans and leases to deposits | 100.3525% | 696 |
| Net loans and leases to core deposits | 116.4143% | 829 |
| Total domestic deposits to total assets | 85.0130% | 3,620 |
| Equity capital to assets | 14.7434% | 938 |
| Core capital (leverage) ratio | 13.5605% | 1,040 |
| Tier 1 risk-based capital ratio | 15.1213% | 3,098 |
| Total risk-based capital ratio | 15.7335% | 3,419 |
| Memoranda: | ||
| Average total assets | $53,343,000 | 6,539 |
| Average earning assets | $48,589,330 | 6,524 |
| Average equity | $7,506,670 | 5,965 |
| Average total loans | $46,865,000 | 5,724 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1788% | 129 |
| Cost of funding earning assets | 1.9513% | 1,243 |
| Net interest margin | 5.2276% | 272 |
| Noninterest income to average assets | 0.1182% | 7,101 |
| Noninterest expense to average assets | 4.2547% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6500% | 3,664 |
| Return on assets (ROA) | 0.6500% | 3,786 |
| Pretax return on assets | 0.6722% | 4,329 |
| Return on Equity (ROE) | 4.7267% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.5782% | 4,592 |
| Net charge-offs to loans | 0.1081% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,140 |
| Efficiency ratio | 86.3568% | 1,758 |
| Assets per employee ($millions) | 4.4656% | 3,011 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6789% | 7,376 |
| Loan loss allowance to noncurrent loans | 179.8883% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 2.5193% | 2,884 |
| Noncurrent loans to loans | 0.3774% | 6,534 |
| Net loans and leases to total assets | 87.9131% | 129 |
| Net loans and leases to deposits | 103.8626% | 536 |
| Net loans and leases to core deposits | 119.7509% | 794 |
| Total domestic deposits to total assets | 84.6437% | 3,832 |
| Equity capital to assets | 13.9567% | 1,155 |
| Core capital (leverage) ratio | 12.9302% | 1,233 |
| Tier 1 risk-based capital ratio | 14.3465% | 3,468 |
| Total risk-based capital ratio | 15.0115% | 3,779 |
| Memoranda: | ||
| Average total assets | $54,152,000 | 6,600 |
| Average earning assets | $49,813,000 | 6,554 |
| Average equity | $7,447,000 | 6,036 |
| Average total loans | $48,090,000 | 5,754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1155% | 236 |
| Cost of funding earning assets | 1.9550% | 3,188 |
| Net interest margin | 5.1604% | 319 |
| Noninterest income to average assets | -0.4833% | 7,941 |
| Noninterest expense to average assets | 3.9789% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0735% | 5,286 |
| Return on assets (ROA) | 0.0735% | 5,323 |
| Pretax return on assets | 0.0735% | 5,271 |
| Return on Equity (ROE) | 0.5305% | 5,378 |
| Retained earnings to average equity (ytd only) | -2.3607% | 5,586 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1859% | 1,202 |
| Assets per employee ($millions) | 4.2090% | 3,423 |
| Cash dividends to net income (ytd only)* | 545.0000% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 7,398 |
| Loan loss allowance to noncurrent loans | 41.5118% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 2.4691% | 2,819 |
| Noncurrent loans to loans | 1.6555% | 4,164 |
| Net loans and leases to total assets | 88.4789% | 152 |
| Net loans and leases to deposits | 109.5788% | 401 |
| Net loans and leases to core deposits | 175.6003% | 189 |
| Total domestic deposits to total assets | 80.7446% | 5,425 |
| Equity capital to assets | 13.5515% | 1,299 |
| Core capital (leverage) ratio | 13.1260% | 1,217 |
| Tier 1 risk-based capital ratio | 13.9546% | 3,528 |
| Total risk-based capital ratio | 14.6322% | 3,834 |
| Memoranda: | ||
| Average total assets | $54,412,600 | 6,546 |
| Average earning assets | $47,825,400 | 6,605 |
| Average equity | $7,540,200 | 6,073 |
| Average total loans | $45,308,600 | 5,860 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1822% | 229 |
| Cost of funding earning assets | 2.0056% | 3,332 |
| Net interest margin | 5.1766% | 312 |
| Noninterest income to average assets | 0.4319% | 5,030 |
| Noninterest expense to average assets | 3.8574% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0649% | 1,847 |
| Return on assets (ROA) | 1.0649% | 1,899 |
| Pretax return on assets | 1.0649% | 2,690 |
| Return on Equity (ROE) | 7.6425% | 2,800 |
| Retained earnings to average equity (ytd only) | 3.8036% | 3,159 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3649% | 3,111 |
| Assets per employee ($millions) | 5.0493% | 2,090 |
| Cash dividends to net income (ytd only)* | 50.2307% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 7,321 |
| Loan loss allowance to noncurrent loans | 274.5902% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 6.7408% | 733 |
| Noncurrent loans to loans | 0.2621% | 6,851 |
| Net loans and leases to total assets | 83.2001% | 645 |
| Net loans and leases to deposits | 101.2733% | 990 |
| Net loans and leases to core deposits | 162.5431% | 347 |
| Total domestic deposits to total assets | 82.1540% | 4,614 |
| Equity capital to assets | 14.0722% | 1,283 |
| Core capital (leverage) ratio | 12.9123% | 1,401 |
| Tier 1 risk-based capital ratio | 14.1118% | 3,483 |
| Total risk-based capital ratio | 14.7601% | 3,776 |
| Memoranda: | ||
| Average total assets | $54,336,500 | 6,595 |
| Average earning assets | $47,133,750 | 6,683 |
| Average equity | $7,571,500 | 6,123 |
| Average total loans | $44,448,750 | 5,951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7834% | 465 |
| Cost of funding earning assets | 2.0453% | 3,543 |
| Net interest margin | 4.7381% | 750 |
| Noninterest income to average assets | 0.2188% | 6,738 |
| Noninterest expense to average assets | 3.6192% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6971% | 3,267 |
| Return on assets (ROA) | 0.6971% | 3,376 |
| Pretax return on assets | 0.6971% | 4,003 |
| Return on Equity (ROE) | 5.0200% | 4,065 |
| Retained earnings to average equity (ytd only) | -0.8011% | 5,429 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8488% | 2,492 |
| Assets per employee ($millions) | 4.5597% | 2,677 |
| Cash dividends to net income (ytd only)* | 115.9574% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 7,320 |
| Loan loss allowance to noncurrent loans | 274.5902% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 7.4238% | 542 |
| Noncurrent loans to loans | 0.2708% | 6,849 |
| Net loans and leases to total assets | 81.7403% | 997 |
| Net loans and leases to deposits | 102.6745% | 1,021 |
| Net loans and leases to core deposits | 136.6776% | 1,177 |
| Total domestic deposits to total assets | 79.6111% | 5,585 |
| Equity capital to assets | 13.7766% | 1,396 |
| Core capital (leverage) ratio | 13.2985% | 1,328 |
| Tier 1 risk-based capital ratio | 13.7724% | 3,638 |
| Total risk-based capital ratio | 14.4273% | 3,940 |
| Memoranda: | ||
| Average total assets | $53,934,670 | 6,677 |
| Average earning assets | $46,643,000 | 6,765 |
| Average equity | $7,490,000 | 6,185 |
| Average total loans | $43,749,670 | 6,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1880% | 1,639 |
| Cost of funding earning assets | 2.2211% | 3,055 |
| Net interest margin | 3.9669% | 2,790 |
| Noninterest income to average assets | 0.2540% | 6,428 |
| Noninterest expense to average assets | 3.5485% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1345% | 5,872 |
| Return on assets (ROA) | 0.1345% | 6,041 |
| Pretax return on assets | 0.1345% | 6,092 |
| Return on Equity (ROE) | 0.9644% | 6,136 |
| Retained earnings to average equity (ytd only) | -10.7152% | 7,178 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3489% | 1,299 |
| Assets per employee ($millions) | 4.0028% | 3,661 |
| Cash dividends to net income (ytd only)* | 1,211.1111% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 7,215 |
| Loan loss allowance to noncurrent loans | 313.0841% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 7.7773% | 399 |
| Noncurrent loans to loans | 0.2503% | 6,820 |
| Net loans and leases to total assets | 81.5224% | 1,099 |
| Net loans and leases to deposits | 97.5151% | 1,733 |
| Net loans and leases to core deposits | 187.1983% | 196 |
| Total domestic deposits to total assets | 83.5998% | 3,877 |
| Equity capital to assets | 14.1383% | 1,321 |
| Core capital (leverage) ratio | 13.1248% | 1,444 |
| Tier 1 risk-based capital ratio | 13.9047% | 3,644 |
| Total risk-based capital ratio | 14.5821% | 3,889 |
| Memoranda: | ||
| Average total assets | $53,544,000 | 6,723 |
| Average earning assets | $46,283,500 | 6,829 |
| Average equity | $7,466,000 | 6,235 |
| Average total loans | $43,094,500 | 6,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2684% | 635 |
| Cost of funding earning assets | 3.3527% | 802 |
| Net interest margin | 3.9158% | 3,495 |
| Noninterest income to average assets | 0.4083% | 5,403 |
| Noninterest expense to average assets | 3.4055% | 2,661 |
| Loan and lease loss provision to assets | -0.0188% | 8,211 |
| Net operating income to assets | 0.4102% | 5,114 |
| Return on assets (ROA) | 0.4102% | 4,928 |
| Pretax return on assets | 0.4102% | 5,232 |
| Return on Equity (ROE) | 2.9267% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.9267% | 3,354 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6928% | 1,538 |
| Assets per employee ($millions) | 5.0047% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 7,197 |
| Loan loss allowance to noncurrent loans | 394.1176% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 7.2822% | 346 |
| Noncurrent loans to loans | 0.1957% | 6,806 |
| Net loans and leases to total assets | 78.2860% | 2,054 |
| Net loans and leases to deposits | 111.4277% | 741 |
| Net loans and leases to core deposits | 272.3757% | 58 |
| Total domestic deposits to total assets | 70.2572% | 7,249 |
| Equity capital to assets | 13.7597% | 1,514 |
| Core capital (leverage) ratio | 12.9765% | 1,548 |
| Tier 1 risk-based capital ratio | 14.0183% | 3,540 |
| Total risk-based capital ratio | 14.6819% | 3,762 |
| Memoranda: | ||
| Average total assets | $53,148,800 | 6,653 |
| Average earning assets | $45,993,400 | 6,770 |
| Average equity | $7,448,600 | 6,295 |
| Average total loans | $41,413,400 | 6,103 |