Home > MapleMark Bank > Performance and Condition Ratios
MapleMark Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8755% | 744 |
| Cost of funding earning assets | 3.3093% | 100 |
| Net interest margin | 2.5662% | 4,012 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.2543% | 2,971 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5577% | 3,545 |
| Return on assets (ROA) | 0.5577% | 3,535 |
| Pretax return on assets | 0.6503% | 3,534 |
| Return on Equity (ROE) | 6.7200% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.7195% | 1,981 |
| Net charge-offs to loans | 0.1904% | 563 |
| Credit loss provision to net charge-offs | 16.0000% | 2,326 |
| Earnings coverage of net charge-offs (x) | 4.3436% | 2,594 |
| Efficiency ratio | 76.6122% | 1,198 |
| Assets per employee ($millions) | 15.9733% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,238 |
| Loan loss allowance to noncurrent loans | 259.2536% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 1,231 |
| Noncurrent loans to loans | 0.5553% | 1,409 |
| Net loans and leases to total assets | 79.9500% | 646 |
| Net loans and leases to deposits | 94.8482% | 878 |
| Net loans and leases to core deposits | 118.2017% | 684 |
| Total domestic deposits to total assets | 84.2900% | 2,540 |
| Equity capital to assets | 8.6592% | 2,927 |
| Core capital (leverage) ratio | 9.1060% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7097% | 2,335 |
| Memoranda: | ||
| Average total assets | $1,174,044,800 | 869 |
| Average earning assets | $1,120,871,600 | 841 |
| Average equity | $97,448,200 | 964 |
| Average total loans | $958,544,400 | 753 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7398% | 743 |
| Cost of funding earning assets | 3.1336% | 99 |
| Net interest margin | 2.6062% | 4,026 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.2764% | 2,870 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5884% | 3,572 |
| Return on assets (ROA) | 0.5884% | 3,561 |
| Pretax return on assets | 0.7275% | 3,492 |
| Return on Equity (ROE) | 7.1700% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.1658% | 2,232 |
| Net charge-offs to loans | 0.1144% | 697 |
| Credit loss provision to net charge-offs | 64.8485% | 1,833 |
| Earnings coverage of net charge-offs (x) | 8.4267% | 2,194 |
| Efficiency ratio | 73.8929% | 1,370 |
| Assets per employee ($millions) | 17.4033% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,088 |
| Loan loss allowance to noncurrent loans | 928.1074% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 2,672 |
| Noncurrent loans to loans | 0.1626% | 2,735 |
| Net loans and leases to total assets | 80.7800% | 562 |
| Net loans and leases to deposits | 95.0521% | 816 |
| Net loans and leases to core deposits | 124.3672% | 449 |
| Total domestic deposits to total assets | 84.9800% | 2,503 |
| Equity capital to assets | 8.1078% | 2,978 |
| Core capital (leverage) ratio | 9.0311% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8486% | 2,657 |
| Memoranda: | ||
| Average total assets | $1,176,043,250 | 872 |
| Average earning assets | $1,122,523,500 | 842 |
| Average equity | $96,567,500 | 969 |
| Average total loans | $961,722,250 | 757 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5503% | 778 |
| Cost of funding earning assets | 2.9077% | 100 |
| Net interest margin | 2.6426% | 4,052 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.1835% | 3,122 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4568% | 3,903 |
| Return on assets (ROA) | 0.4568% | 3,905 |
| Pretax return on assets | 0.5383% | 3,898 |
| Return on Equity (ROE) | 5.5400% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.5388% | 2,767 |
| Net charge-offs to loans | 0.1730% | 456 |
| Credit loss provision to net charge-offs | 58.1818% | 1,640 |
| Earnings coverage of net charge-offs (x) | 4.3915% | 2,219 |
| Efficiency ratio | 77.3638% | 1,055 |
| Assets per employee ($millions) | 18.5659% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,105 |
| Loan loss allowance to noncurrent loans | 1,001.6238% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,672 |
| Noncurrent loans to loans | 0.1524% | 2,710 |
| Net loans and leases to total assets | 80.3500% | 601 |
| Net loans and leases to deposits | 96.8267% | 679 |
| Net loans and leases to core deposits | 122.1964% | 467 |
| Total domestic deposits to total assets | 82.9900% | 3,050 |
| Equity capital to assets | 8.0766% | 3,162 |
| Core capital (leverage) ratio | 9.0589% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6221% | 2,731 |
| Memoranda: | ||
| Average total assets | $1,167,781,333 | 864 |
| Average earning assets | $1,114,204,000 | 837 |
| Average equity | $96,303,000 | 963 |
| Average total loans | $954,004,333 | 744 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4174% | 698 |
| Cost of funding earning assets | 2.6396% | 76 |
| Net interest margin | 2.7777% | 3,977 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.2202% | 3,043 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 0.5995% | 3,690 |
| Return on assets (ROA) | 0.5995% | 3,657 |
| Pretax return on assets | 0.6600% | 3,740 |
| Return on Equity (ROE) | 7.1900% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.1939% | 2,446 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4186% | 964 |
| Assets per employee ($millions) | 18.6149% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,079 |
| Loan loss allowance to noncurrent loans | 370.2254% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 1,502 |
| Noncurrent loans to loans | 0.4230% | 1,672 |
| Net loans and leases to total assets | 78.8500% | 669 |
| Net loans and leases to deposits | 97.3438% | 576 |
| Net loans and leases to core deposits | 109.6360% | 715 |
| Total domestic deposits to total assets | 81.0000% | 3,638 |
| Equity capital to assets | 7.9886% | 3,249 |
| Core capital (leverage) ratio | 9.1653% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4028% | 2,603 |
| Memoranda: | ||
| Average total assets | $1,157,562,500 | 889 |
| Average earning assets | $1,103,632,500 | 861 |
| Average equity | $96,470,500 | 976 |
| Average total loans | $946,223,500 | 760 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 1,396 |
| Cost of funding earning assets | 0.9432% | 213 |
| Net interest margin | 3.1904% | 2,890 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.1850% | 3,067 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.7867% | 3,369 |
| Return on assets (ROA) | 0.7867% | 3,304 |
| Pretax return on assets | 1.0066% | 3,058 |
| Return on Equity (ROE) | 8.5900% | 3,235 |
| Retained earnings to average equity (ytd only) | 8.5857% | 1,612 |
| Net charge-offs to loans | 0.0022% | 2,452 |
| Credit loss provision to net charge-offs | 8,988.8889% | 82 |
| Earnings coverage of net charge-offs (x) | 668.5556% | 265 |
| Efficiency ratio | 63.7888% | 2,526 |
| Assets per employee ($millions) | 17.0268% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,368 |
| Loan loss allowance to noncurrent loans | 233.4657% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 1,425 |
| Noncurrent loans to loans | 0.4293% | 1,638 |
| Net loans and leases to total assets | 82.6500% | 356 |
| Net loans and leases to deposits | 105.1404% | 261 |
| Net loans and leases to core deposits | 118.7605% | 389 |
| Total domestic deposits to total assets | 78.6100% | 4,034 |
| Equity capital to assets | 8.7000% | 2,561 |
| Core capital (leverage) ratio | 9.3312% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3769% | 2,621 |
| Memoranda: | ||
| Average total assets | $1,034,777,000 | 954 |
| Average earning assets | $986,720,800 | 920 |
| Average equity | $94,820,400 | 977 |
| Average total loans | $836,438,800 | 795 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7575% | 1,867 |
| Cost of funding earning assets | 0.5696% | 518 |
| Net interest margin | 3.1879% | 2,662 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.2125% | 2,900 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.7499% | 3,416 |
| Return on assets (ROA) | 0.7499% | 3,365 |
| Pretax return on assets | 0.9607% | 3,137 |
| Return on Equity (ROE) | 8.0700% | 3,308 |
| Retained earnings to average equity (ytd only) | 8.0706% | 1,974 |
| Net charge-offs to loans | 0.0030% | 2,133 |
| Credit loss provision to net charge-offs | 7,038.8889% | 80 |
| Earnings coverage of net charge-offs (x) | 475.7222% | 326 |
| Efficiency ratio | 64.4471% | 2,487 |
| Assets per employee ($millions) | 17.8843% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,451 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 80.4200% | 499 |
| Net loans and leases to deposits | 101.6703% | 312 |
| Net loans and leases to core deposits | 113.4857% | 375 |
| Total domestic deposits to total assets | 79.0900% | 4,172 |
| Equity capital to assets | 8.5156% | 2,536 |
| Core capital (leverage) ratio | 9.7937% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4439% | 2,672 |
| Memoranda: | ||
| Average total assets | $1,012,528,500 | 971 |
| Average earning assets | $966,249,250 | 941 |
| Average equity | $94,083,500 | 1,001 |
| Average total loans | $811,004,750 | 811 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5164% | 2,086 |
| Cost of funding earning assets | 0.3356% | 1,392 |
| Net interest margin | 3.1807% | 2,251 |
| Noninterest income to average assets | 0.3015% | 3,352 |
| Noninterest expense to average assets | 2.3557% | 2,384 |
| Loan and lease loss provision to assets | 0.1053% | 949 |
| Net operating income to assets | 0.6846% | 3,363 |
| Return on assets (ROA) | 0.6846% | 3,316 |
| Pretax return on assets | 0.8796% | 3,118 |
| Return on Equity (ROE) | 7.1427% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.1427% | 1,940 |
| Net charge-offs to loans | 0.0003% | 2,153 |
| Credit loss provision to net charge-offs | 51,600.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 4,828.0000% | 10 |
| Efficiency ratio | 68.0936% | 2,228 |
| Assets per employee ($millions) | 15.8986% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,557 |
| Loan loss allowance to noncurrent loans | 48,935.2941% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,062 |
| Noncurrent loans to loans | 0.0021% | 4,004 |
| Net loans and leases to total assets | 80.2604% | 382 |
| Net loans and leases to deposits | 99.2953% | 300 |
| Net loans and leases to core deposits | 111.3936% | 327 |
| Total domestic deposits to total assets | 80.8300% | 4,156 |
| Equity capital to assets | 9.1295% | 2,300 |
| Core capital (leverage) ratio | 10.3046% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1013% | 2,453 |
| Memoranda: | ||
| Average total assets | $980,430,000 | 994 |
| Average earning assets | $936,764,667 | 973 |
| Average equity | $93,970,333 | 1,010 |
| Average total loans | $781,101,333 | 820 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 2,276 |
| Cost of funding earning assets | 0.2619% | 2,025 |
| Net interest margin | 3.0744% | 2,252 |
| Noninterest income to average assets | 0.1626% | 4,185 |
| Noninterest expense to average assets | 2.2614% | 2,651 |
| Loan and lease loss provision to assets | 0.0146% | 2,091 |
| Net operating income to assets | 0.6529% | 3,222 |
| Return on assets (ROA) | 0.6529% | 3,202 |
| Pretax return on assets | 0.8354% | 2,992 |
| Return on Equity (ROE) | 6.6449% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.6449% | 2,013 |
| Net charge-offs to loans | 0.0005% | 1,829 |
| Credit loss provision to net charge-offs | 3,500.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 2,044.0000% | 30 |
| Efficiency ratio | 71.4916% | 2,045 |
| Assets per employee ($millions) | 14.8335% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,686 |
| Loan loss allowance to noncurrent loans | 46,105.8824% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,105 |
| Noncurrent loans to loans | 0.0022% | 4,035 |
| Net loans and leases to total assets | 77.4343% | 421 |
| Net loans and leases to deposits | 94.3241% | 346 |
| Net loans and leases to core deposits | 108.3513% | 295 |
| Total domestic deposits to total assets | 82.0938% | 4,064 |
| Equity capital to assets | 9.4429% | 2,327 |
| Core capital (leverage) ratio | 10.3325% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7669% | 2,318 |
| Memoranda: | ||
| Average total assets | $961,889,500 | 1,017 |
| Average earning assets | $922,597,000 | 991 |
| Average equity | $94,508,500 | 1,032 |
| Average total loans | $759,163,500 | 822 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1625% | 3,556 |
| Cost of funding earning assets | 0.3640% | 1,818 |
| Net interest margin | 2.7985% | 3,669 |
| Noninterest income to average assets | 0.3655% | 3,243 |
| Noninterest expense to average assets | 2.5452% | 2,042 |
| Loan and lease loss provision to assets | 0.1996% | 541 |
| Net operating income to assets | 0.2416% | 4,492 |
| Return on assets (ROA) | 0.3123% | 4,429 |
| Pretax return on assets | 0.4088% | 4,383 |
| Return on Equity (ROE) | 3.0385% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.0385% | 3,616 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8645% | 687 |
| Assets per employee ($millions) | 13.6755% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,556 |
| Loan loss allowance to noncurrent loans | 35,472.7273% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,175 |
| Noncurrent loans to loans | 0.0030% | 4,102 |
| Net loans and leases to total assets | 78.8345% | 327 |
| Net loans and leases to deposits | 97.9879% | 252 |
| Net loans and leases to core deposits | 111.2302% | 264 |
| Total domestic deposits to total assets | 80.4533% | 4,169 |
| Equity capital to assets | 10.2340% | 2,439 |
| Core capital (leverage) ratio | 10.6843% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9359% | 2,270 |
| Memoranda: | ||
| Average total assets | $878,360,000 | 1,065 |
| Average earning assets | $847,028,200 | 1,039 |
| Average equity | $90,276,200 | 1,099 |
| Average total loans | $641,977,000 | 946 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 3,798 |
| Cost of funding earning assets | 0.4063% | 1,652 |
| Net interest margin | 2.6975% | 3,982 |
| Noninterest income to average assets | 0.3198% | 3,515 |
| Noninterest expense to average assets | 2.5019% | 2,110 |
| Loan and lease loss provision to assets | 0.1746% | 614 |
| Net operating income to assets | 0.1889% | 4,636 |
| Return on assets (ROA) | 0.2845% | 4,563 |
| Pretax return on assets | 0.3693% | 4,527 |
| Return on Equity (ROE) | 2.7653% | 4,493 |
| Retained earnings to average equity (ytd only) | 2.7653% | 3,980 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3078% | 502 |
| Assets per employee ($millions) | 14.6863% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,654 |
| Loan loss allowance to noncurrent loans | 23,174.1935% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,250 |
| Noncurrent loans to loans | 0.0045% | 4,183 |
| Net loans and leases to total assets | 68.6495% | 1,242 |
| Net loans and leases to deposits | 76.4521% | 1,629 |
| Net loans and leases to core deposits | 84.6456% | 1,376 |
| Total domestic deposits to total assets | 89.7941% | 868 |
| Equity capital to assets | 9.6356% | 3,264 |
| Core capital (leverage) ratio | 10.0042% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7372% | 2,074 |
| Memoranda: | ||
| Average total assets | $865,467,000 | 1,087 |
| Average earning assets | $835,722,000 | 1,061 |
| Average equity | $89,053,000 | 1,127 |
| Average total loans | $617,243,500 | 993 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1325% | 3,796 |
| Cost of funding earning assets | 0.4776% | 1,343 |
| Net interest margin | 2.6549% | 4,071 |
| Noninterest income to average assets | 0.2460% | 3,926 |
| Noninterest expense to average assets | 2.5083% | 2,117 |
| Loan and lease loss provision to assets | 0.1288% | 968 |
| Net operating income to assets | 0.1224% | 4,693 |
| Return on assets (ROA) | 0.2257% | 4,623 |
| Pretax return on assets | 0.2995% | 4,589 |
| Return on Equity (ROE) | 2.1393% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.1393% | 4,083 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1343% | 395 |
| Assets per employee ($millions) | 13.9029% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,621 |
| Loan loss allowance to noncurrent loans | 1,833.7047% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,002 |
| Noncurrent loans to loans | 0.0573% | 3,896 |
| Net loans and leases to total assets | 65.5774% | 1,747 |
| Net loans and leases to deposits | 73.1674% | 2,082 |
| Net loans and leases to core deposits | 84.0020% | 1,560 |
| Total domestic deposits to total assets | 89.6265% | 960 |
| Equity capital to assets | 9.8949% | 2,952 |
| Core capital (leverage) ratio | 10.1131% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6885% | 1,725 |
| Memoranda: | ||
| Average total assets | $825,961,333 | 1,124 |
| Average earning assets | $796,424,667 | 1,096 |
| Average equity | $87,133,000 | 1,140 |
| Average total loans | $595,430,000 | 1,037 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1998% | 3,692 |
| Cost of funding earning assets | 0.5506% | 1,098 |
| Net interest margin | 2.6492% | 4,060 |
| Noninterest income to average assets | 0.2130% | 4,118 |
| Noninterest expense to average assets | 2.4817% | 2,230 |
| Loan and lease loss provision to assets | 0.1754% | 707 |
| Net operating income to assets | 0.0570% | 4,750 |
| Return on assets (ROA) | 0.1911% | 4,667 |
| Pretax return on assets | 0.2699% | 4,625 |
| Return on Equity (ROE) | 1.7444% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.7444% | 4,065 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9246% | 412 |
| Assets per employee ($millions) | 12.8680% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,661 |
| Loan loss allowance to noncurrent loans | 1,612.8788% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,034 |
| Noncurrent loans to loans | 0.0650% | 3,965 |
| Net loans and leases to total assets | 72.1129% | 1,007 |
| Net loans and leases to deposits | 91.3640% | 625 |
| Net loans and leases to core deposits | 105.8488% | 518 |
| Total domestic deposits to total assets | 78.9292% | 4,338 |
| Equity capital to assets | 11.0942% | 1,791 |
| Core capital (leverage) ratio | 12.1822% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3634% | 1,456 |
| Memoranda: | ||
| Average total assets | $766,243,000 | 1,190 |
| Average earning assets | $735,915,500 | 1,160 |
| Average equity | $83,926,500 | 1,160 |
| Average total loans | $579,870,000 | 1,065 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 3,814 |
| Cost of funding earning assets | 1.0525% | 489 |
| Net interest margin | 2.5478% | 4,545 |
| Noninterest income to average assets | 0.3578% | 3,325 |
| Noninterest expense to average assets | 2.7402% | 2,115 |
| Loan and lease loss provision to assets | 0.1875% | 2,080 |
| Net operating income to assets | -0.1315% | 4,800 |
| Return on assets (ROA) | 0.0574% | 4,731 |
| Pretax return on assets | 0.0639% | 4,723 |
| Return on Equity (ROE) | 0.5176% | 4,727 |
| Retained earnings to average equity (ytd only) | 0.5176% | 4,366 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2985% | 216 |
| Assets per employee ($millions) | 11.6011% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,464 |
| Loan loss allowance to noncurrent loans | 1,653.2787% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 4,078 |
| Noncurrent loans to loans | 0.0665% | 4,028 |
| Net loans and leases to total assets | 78.1730% | 591 |
| Net loans and leases to deposits | 92.6544% | 740 |
| Net loans and leases to core deposits | 109.4210% | 529 |
| Total domestic deposits to total assets | 84.3705% | 2,991 |
| Equity capital to assets | 10.7833% | 2,448 |
| Core capital (leverage) ratio | 10.0558% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1457% | 2,187 |
| Memoranda: | ||
| Average total assets | $669,336,800 | 1,217 |
| Average earning assets | $636,779,000 | 1,199 |
| Average equity | $74,184,200 | 1,231 |
| Average total loans | $519,926,600 | 1,104 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 3,946 |
| Cost of funding earning assets | 1.1426% | 453 |
| Net interest margin | 2.4893% | 4,661 |
| Noninterest income to average assets | 0.2934% | 3,729 |
| Noninterest expense to average assets | 2.7135% | 2,222 |
| Loan and lease loss provision to assets | 0.1997% | 1,995 |
| Net operating income to assets | -0.2543% | 4,846 |
| Return on assets (ROA) | 0.0284% | 4,776 |
| Pretax return on assets | 0.0266% | 4,769 |
| Return on Equity (ROE) | 0.2542% | 4,772 |
| Retained earnings to average equity (ytd only) | 0.2542% | 4,435 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8557% | 168 |
| Assets per employee ($millions) | 11.4868% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,587 |
| Loan loss allowance to noncurrent loans | 758.5845% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,901 |
| Noncurrent loans to loans | 0.1351% | 3,840 |
| Net loans and leases to total assets | 78.4588% | 777 |
| Net loans and leases to deposits | 88.1382% | 1,470 |
| Net loans and leases to core deposits | 102.1068% | 1,024 |
| Total domestic deposits to total assets | 89.0179% | 761 |
| Equity capital to assets | 10.5029% | 2,788 |
| Core capital (leverage) ratio | 10.0396% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6060% | 2,362 |
| Memoranda: | ||
| Average total assets | $662,655,000 | 1,215 |
| Average earning assets | $629,184,500 | 1,196 |
| Average equity | $73,965,500 | 1,220 |
| Average total loans | $512,362,000 | 1,106 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,832 |
| Cost of funding earning assets | 1.2762% | 395 |
| Net interest margin | 2.5354% | 4,709 |
| Noninterest income to average assets | 0.1901% | 4,325 |
| Noninterest expense to average assets | 3.0160% | 1,532 |
| Loan and lease loss provision to assets | 0.1356% | 2,659 |
| Net operating income to assets | -0.4373% | 4,906 |
| Return on assets (ROA) | -0.1216% | 4,841 |
| Pretax return on assets | -0.1644% | 4,839 |
| Return on Equity (ROE) | -1.0667% | 4,846 |
| Retained earnings to average equity (ytd only) | -1.0667% | 4,487 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2392% | 99 |
| Assets per employee ($millions) | 11.1984% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 72.1784% | 1,672 |
| Net loans and leases to deposits | 81.0732% | 2,306 |
| Net loans and leases to core deposits | 91.2177% | 1,965 |
| Total domestic deposits to total assets | 89.0287% | 730 |
| Equity capital to assets | 10.4222% | 2,818 |
| Core capital (leverage) ratio | 10.1173% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0172% | 2,174 |
| Memoranda: | ||
| Average total assets | $646,145,667 | 1,217 |
| Average earning assets | $611,026,333 | 1,203 |
| Average equity | $73,687,333 | 1,218 |
| Average total loans | $494,963,333 | 1,123 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,240 |
| Cost of funding earning assets | 1.5402% | 225 |
| Net interest margin | 2.6515% | 4,716 |
| Noninterest income to average assets | 0.2784% | 3,853 |
| Noninterest expense to average assets | 3.0827% | 1,681 |
| Loan and lease loss provision to assets | 0.1032% | 2,391 |
| Net operating income to assets | -0.3917% | 4,909 |
| Return on assets (ROA) | 0.0428% | 4,715 |
| Pretax return on assets | 0.0461% | 4,704 |
| Return on Equity (ROE) | 0.3579% | 4,709 |
| Retained earnings to average equity (ytd only) | 0.3579% | 3,911 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2089% | 148 |
| Assets per employee ($millions) | 10.3008% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.0148% | 983 |
| Net loans and leases to deposits | 97.9857% | 717 |
| Net loans and leases to core deposits | 113.2360% | 698 |
| Total domestic deposits to total assets | 79.6186% | 3,922 |
| Equity capital to assets | 11.8201% | 2,203 |
| Core capital (leverage) ratio | 11.4640% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3178% | 2,139 |
| Memoranda: | ||
| Average total assets | $616,467,500 | 1,236 |
| Average earning assets | $578,093,000 | 1,227 |
| Average equity | $73,766,500 | 1,219 |
| Average total loans | $485,218,000 | 1,119 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 2,653 |
| Cost of funding earning assets | 1.7688% | 157 |
| Net interest margin | 2.8213% | 4,742 |
| Noninterest income to average assets | 0.3246% | 3,747 |
| Noninterest expense to average assets | 3.6394% | 818 |
| Loan and lease loss provision to assets | 0.6364% | 184 |
| Net operating income to assets | -1.0127% | 5,100 |
| Return on assets (ROA) | -0.7948% | 5,084 |
| Pretax return on assets | -1.0150% | 5,095 |
| Return on Equity (ROE) | -4.8317% | 5,077 |
| Retained earnings to average equity (ytd only) | -4.8317% | 4,976 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.3726% | 77 |
| Assets per employee ($millions) | 11.4073% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 77.8185% | 1,105 |
| Net loans and leases to deposits | 100.6372% | 558 |
| Net loans and leases to core deposits | 113.9460% | 674 |
| Total domestic deposits to total assets | 77.3258% | 4,458 |
| Equity capital to assets | 12.1177% | 2,063 |
| Core capital (leverage) ratio | 12.4745% | 1,501 |
| Tier 1 risk-based capital ratio | 13.9864% | 3,283 |
| Total risk-based capital ratio | 15.0215% | 3,290 |
| Memoranda: | ||
| Average total assets | $453,203,400 | 1,544 |
| Average earning assets | $427,360,400 | 1,517 |
| Average equity | $74,548,800 | 1,158 |
| Average total loans | $350,088,000 | 1,421 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 2,415 |
| Cost of funding earning assets | 1.7926% | 144 |
| Net interest margin | 2.9084% | 4,746 |
| Noninterest income to average assets | 0.3287% | 3,779 |
| Noninterest expense to average assets | 3.9371% | 566 |
| Loan and lease loss provision to assets | 0.7354% | 142 |
| Net operating income to assets | -1.2566% | 5,190 |
| Return on assets (ROA) | -0.9396% | 5,175 |
| Pretax return on assets | -1.1989% | 5,185 |
| Return on Equity (ROE) | -5.2124% | 5,159 |
| Retained earnings to average equity (ytd only) | -5.2124% | 5,066 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5281% | 67 |
| Assets per employee ($millions) | 10.0288% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 80.8815% | 721 |
| Net loans and leases to deposits | 95.2743% | 1,099 |
| Net loans and leases to core deposits | 108.8490% | 1,001 |
| Total domestic deposits to total assets | 84.8933% | 2,459 |
| Equity capital to assets | 14.4689% | 991 |
| Core capital (leverage) ratio | 14.0680% | 966 |
| Tier 1 risk-based capital ratio | 15.9490% | 2,449 |
| Total risk-based capital ratio | 16.9825% | 2,478 |
| Memoranda: | ||
| Average total assets | $415,357,000 | 1,698 |
| Average earning assets | $391,827,250 | 1,670 |
| Average equity | $74,870,500 | 1,147 |
| Average total loans | $318,790,500 | 1,545 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 2,411 |
| Cost of funding earning assets | 1.7126% | 175 |
| Net interest margin | 2.9721% | 4,729 |
| Noninterest income to average assets | 0.3131% | 3,836 |
| Noninterest expense to average assets | 4.1866% | 421 |
| Loan and lease loss provision to assets | 0.7863% | 131 |
| Net operating income to assets | -1.4705% | 5,247 |
| Return on assets (ROA) | -1.2632% | 5,238 |
| Pretax return on assets | -1.6112% | 5,249 |
| Return on Equity (ROE) | -6.4423% | 5,216 |
| Retained earnings to average equity (ytd only) | -6.4423% | 5,109 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3333% | 56 |
| Assets per employee ($millions) | 9.0102% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.5210% | 1,465 |
| Net loans and leases to deposits | 92.2661% | 1,462 |
| Net loans and leases to core deposits | 100.8354% | 1,646 |
| Total domestic deposits to total assets | 82.9351% | 3,222 |
| Equity capital to assets | 16.5091% | 533 |
| Core capital (leverage) ratio | 17.0757% | 422 |
| Tier 1 risk-based capital ratio | 18.6436% | 1,635 |
| Total risk-based capital ratio | 19.6446% | 1,660 |
| Memoranda: | ||
| Average total assets | $383,319,670 | 1,810 |
| Average earning assets | $359,338,670 | 1,807 |
| Average equity | $75,159,330 | 1,137 |
| Average total loans | $285,758,330 | 1,683 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 2,394 |
| Cost of funding earning assets | 1.6636% | 181 |
| Net interest margin | 2.9821% | 4,778 |
| Noninterest income to average assets | 0.1636% | 4,760 |
| Noninterest expense to average assets | 4.7820% | 239 |
| Loan and lease loss provision to assets | 0.9207% | 96 |
| Net operating income to assets | -2.1740% | 5,323 |
| Return on assets (ROA) | -1.9707% | 5,317 |
| Pretax return on assets | -2.5140% | 5,322 |
| Return on Equity (ROE) | -9.1223% | 5,289 |
| Retained earnings to average equity (ytd only) | -9.1223% | 5,073 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.1003% | 33 |
| Assets per employee ($millions) | 7.8300% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.9248% | 1,656 |
| Net loans and leases to deposits | 93.2231% | 1,255 |
| Net loans and leases to core deposits | 99.9169% | 1,632 |
| Total domestic deposits to total assets | 80.3715% | 4,099 |
| Equity capital to assets | 19.1417% | 272 |
| Core capital (leverage) ratio | 20.5848% | 219 |
| Tier 1 risk-based capital ratio | 21.9943% | 1,051 |
| Total risk-based capital ratio | 22.9567% | 1,065 |
| Memoranda: | ||
| Average total assets | $349,725,000 | 1,950 |
| Average earning assets | $324,599,500 | 1,943 |
| Average equity | $75,551,500 | 1,131 |
| Average total loans | $254,561,000 | 1,831 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 3,390 |
| Cost of funding earning assets | 1.1082% | 478 |
| Net interest margin | 3.1086% | 4,638 |
| Noninterest income to average assets | 0.2931% | 4,146 |
| Noninterest expense to average assets | 8.1208% | 90 |
| Loan and lease loss provision to assets | 1.0034% | 86 |
| Net operating income to assets | -4.7728% | 5,394 |
| Return on assets (ROA) | -4.7728% | 5,393 |
| Pretax return on assets | -6.0450% | 5,399 |
| Return on Equity (ROE) | -12.6038% | 5,362 |
| Retained earnings to average equity (ytd only) | -12.6038% | 5,344 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 261.3231% | 10 |
| Assets per employee ($millions) | 6.4156% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.5703% | 2,796 |
| Net loans and leases to deposits | 92.6490% | 1,450 |
| Net loans and leases to core deposits | 94.4091% | 2,193 |
| Total domestic deposits to total assets | 74.0109% | 4,948 |
| Equity capital to assets | 24.7324% | 112 |
| Core capital (leverage) ratio | 25.2907% | 110 |
| Tier 1 risk-based capital ratio | 30.5056% | 454 |
| Total risk-based capital ratio | 31.4649% | 454 |
| Memoranda: | ||
| Average total assets | $185,573,400 | 3,000 |
| Average earning assets | $166,311,000 | 3,062 |
| Average equity | $70,272,600 | 1,157 |
| Average total loans | $108,744,000 | 3,154 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 4,181 |
| Cost of funding earning assets | 0.8450% | 1,134 |
| Net interest margin | 3.0682% | 4,758 |
| Noninterest income to average assets | 0.0972% | 5,220 |
| Noninterest expense to average assets | 8.9893% | 75 |
| Loan and lease loss provision to assets | 0.9954% | 84 |
| Net operating income to assets | -5.6729% | 5,469 |
| Return on assets (ROA) | -5.6729% | 5,469 |
| Pretax return on assets | -7.1698% | 5,472 |
| Return on Equity (ROE) | -12.7788% | 5,435 |
| Retained earnings to average equity (ytd only) | -12.7788% | 5,414 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 316.9621% | 8 |
| Assets per employee ($millions) | 5.1363% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 4,587 |
| Loan loss allowance to noncurrent loans | 1,005.8333% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 4,741 |
| Noncurrent loans to loans | 0.0803% | 4,515 |
| Net loans and leases to total assets | 57.6839% | 4,072 |
| Net loans and leases to deposits | 84.0168% | 2,597 |
| Net loans and leases to core deposits | 85.6341% | 3,033 |
| Total domestic deposits to total assets | 68.6576% | 5,267 |
| Equity capital to assets | 30.4235% | 63 |
| Core capital (leverage) ratio | 34.7838% | 57 |
| Tier 1 risk-based capital ratio | 42.2316% | 199 |
| Total risk-based capital ratio | 43.0748% | 205 |
| Memoranda: | ||
| Average total assets | $154,979,750 | 3,364 |
| Average earning assets | $137,276,750 | 3,434 |
| Average equity | $68,800,000 | 1,174 |
| Average total loans | $82,661,750 | 3,642 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5321% | 4,875 |
| Cost of funding earning assets | 0.5399% | 2,688 |
| Net interest margin | 2.9921% | 4,887 |
| Noninterest income to average assets | 0.0380% | 5,427 |
| Noninterest expense to average assets | 10.7044% | 61 |
| Loan and lease loss provision to assets | 1.3500% | 53 |
| Net operating income to assets | -7.4161% | 5,539 |
| Return on assets (ROA) | -7.4161% | 5,538 |
| Pretax return on assets | -9.3791% | 5,540 |
| Return on Equity (ROE) | -13.6643% | 5,492 |
| Retained earnings to average equity (ytd only) | -13.6643% | 5,462 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 397.4676% | 6 |
| Assets per employee ($millions) | 3.9354% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 4,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.7098% | 3,925 |
| Net loans and leases to deposits | 103.6749% | 544 |
| Net loans and leases to core deposits | 104.6848% | 1,340 |
| Total domestic deposits to total assets | 56.6287% | 5,474 |
| Equity capital to assets | 42.5359% | 46 |
| Core capital (leverage) ratio | 48.9782% | 39 |
| Tier 1 risk-based capital ratio | 60.8545% | 88 |
| Total risk-based capital ratio | 61.6675% | 87 |
| Memoranda: | ||
| Average total assets | $121,034,670 | 3,838 |
| Average earning assets | $106,679,670 | 3,934 |
| Average equity | $65,689,330 | 1,224 |
| Average total loans | $60,433,000 | 4,157 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7000% | 5,482 |
| Cost of funding earning assets | 0.1464% | 5,286 |
| Net interest margin | 2.5537% | 5,352 |
| Noninterest income to average assets | 0.0551% | 5,464 |
| Noninterest expense to average assets | 12.2245% | 55 |
| Loan and lease loss provision to assets | 2.2089% | 25 |
| Net operating income to assets | -9.5335% | 5,603 |
| Return on assets (ROA) | -9.5335% | 5,602 |
| Pretax return on assets | -12.0546% | 5,603 |
| Return on Equity (ROE) | -14.2290% | 5,556 |
| Retained earnings to average equity (ytd only) | -14.2290% | 5,443 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 510.4247% | 5 |
| Assets per employee ($millions) | 2.2620% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.5711% | 3,599 |
| Net loans and leases to deposits | 165.6398% | 7 |
| Net loans and leases to core deposits | 165.6398% | 71 |
| Total domestic deposits to total assets | 37.1717% | 5,567 |
| Equity capital to assets | 61.7716% | 35 |
| Core capital (leverage) ratio | 65.0938% | 32 |
| Tier 1 risk-based capital ratio | 85.3132% | 52 |
| Total risk-based capital ratio | 86.1317% | 52 |
| Memoranda: | ||
| Average total assets | $87,103,500 | 4,446 |
| Average earning assets | $79,258,000 | 4,460 |
| Average equity | $58,359,500 | 1,365 |
| Average total loans | $34,765,500 | 4,834 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7918% | 5,660 |
| Cost of funding earning assets | 0.0120% | 5,646 |
| Net interest margin | 0.7798% | 5,655 |
| Noninterest income to average assets | 0.0225% | 5,579 |
| Noninterest expense to average assets | 3.3866% | 1,222 |
| Loan and lease loss provision to assets | 0.1404% | 1,624 |
| Net operating income to assets | -2.7744% | 5,648 |
| Return on assets (ROA) | -2.7969% | 5,648 |
| Pretax return on assets | -2.7969% | 5,650 |
| Return on Equity (ROE) | -7.4393% | 5,572 |
| Retained earnings to average equity (ytd only) | -7.4393% | 5,492 |
| Net charge-offs to loans | 0.4567% | 522 |
| Credit loss provision to net charge-offs | 138.8889% | 1,903 |
| Earnings coverage of net charge-offs (x) | -26.0556% | 4,111 |
| Efficiency ratio | 448.8806% | 3 |
| Assets per employee ($millions) | 2.9882% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4202% | 5,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 14.6875% | 5,606 |
| Net loans and leases to deposits | 55.0958% | 4,847 |
| Net loans and leases to core deposits | 55.0958% | 4,964 |
| Total domestic deposits to total assets | 26.6581% | 5,641 |
| Equity capital to assets | 73.1188% | 28 |
| Core capital (leverage) ratio | 98.7509% | 2 |
| Tier 1 risk-based capital ratio | 256.8335% | 20 |
| Total risk-based capital ratio | 257.0545% | 20 |
| Memoranda: | ||
| Average total assets | $35,611,200 | 5,403 |
| Average earning assets | $33,342,200 | 5,379 |
| Average equity | $13,388,400 | 3,931 |
| Average total loans | $7,881,800 | 5,579 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0679% | 5,365 |
| Cost of funding earning assets | 0.2029% | 4,956 |
| Net interest margin | 2.8650% | 5,137 |
| Noninterest income to average assets | 0.2191% | 4,912 |
| Noninterest expense to average assets | 2.6782% | 3,132 |
| Loan and lease loss provision to assets | 0.1643% | 1,233 |
| Net operating income to assets | 0.0055% | 5,510 |
| Return on assets (ROA) | 0.0055% | 5,516 |
| Pretax return on assets | 0.0055% | 5,507 |
| Return on Equity (ROE) | 0.0669% | 5,512 |
| Retained earnings to average equity (ytd only) | 0.0669% | 5,191 |
| Net charge-offs to loans | 0.7173% | 263 |
| Credit loss provision to net charge-offs | 81.0811% | 2,568 |
| Earnings coverage of net charge-offs (x) | 0.8378% | 3,627 |
| Efficiency ratio | 94.0385% | 285 |
| Assets per employee ($millions) | 3.6705% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 29.5691% | 5,510 |
| Net loans and leases to deposits | 32.5372% | 5,552 |
| Net loans and leases to core deposits | 32.5372% | 5,574 |
| Total domestic deposits to total assets | 90.8777% | 214 |
| Equity capital to assets | 9.0269% | 4,892 |
| Core capital (leverage) ratio | 8.1949% | 5,420 |
| Tier 1 risk-based capital ratio | 20.2857% | 1,309 |
| Total risk-based capital ratio | 21.0918% | 1,362 |
| Memoranda: | ||
| Average total assets | $24,343,750 | 5,614 |
| Average earning assets | $22,338,250 | 5,602 |
| Average equity | $1,987,250 | 5,673 |
| Average total loans | $6,877,250 | 5,659 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0081% | 5,427 |
| Cost of funding earning assets | 0.2000% | 4,986 |
| Net interest margin | 2.8082% | 5,232 |
| Noninterest income to average assets | 0.1991% | 5,050 |
| Noninterest expense to average assets | 2.7710% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0000% | 5,553 |
| Return on assets (ROA) | 0.0000% | 5,555 |
| Pretax return on assets | 0.0000% | 5,548 |
| Return on Equity (ROE) | 0.0000% | 5,555 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 187 |
| Assets per employee ($millions) | 4.1768% | 3,667 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 26.7388% | 5,592 |
| Net loans and leases to deposits | 29.0741% | 5,643 |
| Net loans and leases to core deposits | 29.0741% | 5,658 |
| Total domestic deposits to total assets | 91.9676% | 75 |
| Equity capital to assets | 7.9207% | 5,567 |
| Core capital (leverage) ratio | 7.9793% | 5,539 |
| Tier 1 risk-based capital ratio | 19.0061% | 1,594 |
| Total risk-based capital ratio | 19.8200% | 1,662 |
| Memoranda: | ||
| Average total assets | $25,117,330 | 5,653 |
| Average earning assets | $23,004,330 | 5,641 |
| Average equity | $1,987,000 | 5,718 |
| Average total loans | $6,972,670 | 5,707 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0429% | 5,419 |
| Cost of funding earning assets | 0.2087% | 4,898 |
| Net interest margin | 2.8342% | 5,195 |
| Noninterest income to average assets | 0.1909% | 5,130 |
| Noninterest expense to average assets | 2.7202% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0636% | 5,551 |
| Return on assets (ROA) | 0.0636% | 5,557 |
| Pretax return on assets | 0.0636% | 5,557 |
| Return on Equity (ROE) | 0.8048% | 5,527 |
| Retained earnings to average equity (ytd only) | 0.8048% | 4,718 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7143% | 274 |
| Assets per employee ($millions) | 4.1843% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 3,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 27.9375% | 5,630 |
| Net loans and leases to deposits | 30.3636% | 5,675 |
| Net loans and leases to core deposits | 30.3636% | 5,689 |
| Total domestic deposits to total assets | 92.0099% | 108 |
| Equity capital to assets | 7.9264% | 5,555 |
| Core capital (leverage) ratio | 7.7607% | 5,644 |
| Tier 1 risk-based capital ratio | 18.4670% | 1,752 |
| Total risk-based capital ratio | 19.2558% | 1,833 |
| Memoranda: | ||
| Average total assets | $25,145,500 | 5,724 |
| Average earning assets | $23,004,500 | 5,705 |
| Average equity | $1,988,000 | 5,785 |
| Average total loans | $7,066,000 | 5,773 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9097% | 5,570 |
| Cost of funding earning assets | 0.1937% | 5,081 |
| Net interest margin | 2.7161% | 5,401 |
| Noninterest income to average assets | 0.2211% | 5,088 |
| Noninterest expense to average assets | 2.7571% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0643% | 5,671 |
| Return on assets (ROA) | -0.0643% | 5,683 |
| Pretax return on assets | -0.0563% | 5,676 |
| Return on Equity (ROE) | -0.7949% | 5,693 |
| Retained earnings to average equity (ytd only) | -0.7949% | 5,418 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0833% | 198 |
| Assets per employee ($millions) | 4.1975% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 3,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 27.5878% | 5,690 |
| Net loans and leases to deposits | 29.9767% | 5,738 |
| Net loans and leases to core deposits | 29.9767% | 5,750 |
| Total domestic deposits to total assets | 92.0310% | 97 |
| Equity capital to assets | 7.8856% | 5,612 |
| Core capital (leverage) ratio | 7.9926% | 5,625 |
| Tier 1 risk-based capital ratio | 18.6391% | 1,693 |
| Total risk-based capital ratio | 19.4369% | 1,765 |
| Memoranda: | ||
| Average total assets | $24,880,800 | 5,776 |
| Average earning assets | $22,716,800 | 5,763 |
| Average equity | $2,012,800 | 5,842 |
| Average total loans | $7,129,000 | 5,830 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9606% | 5,600 |
| Cost of funding earning assets | 0.1997% | 5,070 |
| Net interest margin | 2.7608% | 5,418 |
| Noninterest income to average assets | 0.2258% | 5,118 |
| Noninterest expense to average assets | 2.5908% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1505% | 5,554 |
| Return on assets (ROA) | 0.1505% | 5,612 |
| Pretax return on assets | 0.1613% | 5,609 |
| Return on Equity (ROE) | 1.8485% | 5,501 |
| Retained earnings to average equity (ytd only) | 1.8485% | 4,757 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1406% | 381 |
| Assets per employee ($millions) | 4.1123% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 28.7995% | 5,736 |
| Net loans and leases to deposits | 31.4620% | 5,796 |
| Net loans and leases to core deposits | 31.4620% | 5,811 |
| Total domestic deposits to total assets | 91.5377% | 114 |
| Equity capital to assets | 8.2313% | 5,657 |
| Core capital (leverage) ratio | 8.2090% | 5,567 |
| Tier 1 risk-based capital ratio | 20.2695% | 1,392 |
| Total risk-based capital ratio | 21.1178% | 1,437 |
| Memoranda: | ||
| Average total assets | $24,804,750 | 5,838 |
| Average earning assets | $22,697,750 | 5,826 |
| Average equity | $2,019,500 | 5,905 |
| Average total loans | $7,153,000 | 5,892 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9811% | 5,666 |
| Cost of funding earning assets | 0.1923% | 5,217 |
| Net interest margin | 2.7887% | 5,439 |
| Noninterest income to average assets | 0.2254% | 5,139 |
| Noninterest expense to average assets | 2.5917% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2012% | 5,520 |
| Return on assets (ROA) | 0.2012% | 5,580 |
| Pretax return on assets | 0.2012% | 5,619 |
| Return on Equity (ROE) | 2.4806% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.4806% | 4,304 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7954% | 459 |
| Assets per employee ($millions) | 4.0943% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 3,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 27.7335% | 5,830 |
| Net loans and leases to deposits | 30.2800% | 5,880 |
| Net loans and leases to core deposits | 30.2800% | 5,891 |
| Total domestic deposits to total assets | 91.5900% | 119 |
| Equity capital to assets | 8.2472% | 5,718 |
| Core capital (leverage) ratio | 8.1287% | 5,649 |
| Tier 1 risk-based capital ratio | 21.3826% | 1,213 |
| Total risk-based capital ratio | 22.2797% | 1,251 |
| Memoranda: | ||
| Average total assets | $24,848,330 | 5,912 |
| Average earning assets | $22,877,670 | 5,899 |
| Average equity | $2,015,670 | 5,981 |
| Average total loans | $7,140,330 | 5,968 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0096% | 5,684 |
| Cost of funding earning assets | 0.1914% | 5,271 |
| Net interest margin | 2.8182% | 5,442 |
| Noninterest income to average assets | 0.2241% | 5,136 |
| Noninterest expense to average assets | 2.5451% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2721% | 5,375 |
| Return on assets (ROA) | 0.2721% | 5,448 |
| Pretax return on assets | 0.2721% | 5,552 |
| Return on Equity (ROE) | 3.3822% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.3822% | 3,809 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3409% | 657 |
| Assets per employee ($millions) | 4.0775% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 29.4543% | 5,839 |
| Net loans and leases to deposits | 32.2041% | 5,896 |
| Net loans and leases to core deposits | 32.2041% | 5,915 |
| Total domestic deposits to total assets | 91.4613% | 168 |
| Equity capital to assets | 8.2526% | 5,717 |
| Core capital (leverage) ratio | 8.0724% | 5,740 |
| Tier 1 risk-based capital ratio | 20.9158% | 1,332 |
| Total risk-based capital ratio | 21.7963% | 1,374 |
| Memoranda: | ||
| Average total assets | $24,989,500 | 5,969 |
| Average earning assets | $22,993,000 | 5,948 |
| Average equity | $2,010,500 | 6,042 |
| Average total loans | $7,261,500 | 6,027 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1332% | 5,597 |
| Cost of funding earning assets | 0.1790% | 5,468 |
| Net interest margin | 2.9541% | 5,235 |
| Noninterest income to average assets | 0.2333% | 5,195 |
| Noninterest expense to average assets | 2.7428% | 3,435 |
| Loan and lease loss provision to assets | 0.0044% | 4,305 |
| Net operating income to assets | 0.2025% | 5,567 |
| Return on assets (ROA) | 0.2025% | 5,633 |
| Pretax return on assets | 0.2465% | 5,616 |
| Return on Equity (ROE) | 2.3204% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.3204% | 4,409 |
| Net charge-offs to loans | 0.0139% | 4,016 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 902 |
| Efficiency ratio | 91.6176% | 591 |
| Assets per employee ($millions) | 4.2523% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 28.0121% | 5,943 |
| Net loans and leases to deposits | 30.4231% | 5,983 |
| Net loans and leases to core deposits | 30.4231% | 5,999 |
| Total domestic deposits to total assets | 92.0749% | 107 |
| Equity capital to assets | 7.8467% | 5,904 |
| Core capital (leverage) ratio | 8.2888% | 5,615 |
| Tier 1 risk-based capital ratio | 19.7709% | 1,525 |
| Total risk-based capital ratio | 20.6103% | 1,580 |
| Memoranda: | ||
| Average total assets | $22,714,400 | 6,063 |
| Average earning assets | $21,224,600 | 6,041 |
| Average equity | $1,982,400 | 6,103 |
| Average total loans | $7,192,400 | 6,082 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 5,587 |
| Cost of funding earning assets | 0.1805% | 5,551 |
| Net interest margin | 3.0169% | 5,157 |
| Noninterest income to average assets | 0.2422% | 5,196 |
| Noninterest expense to average assets | 2.7678% | 3,313 |
| Loan and lease loss provision to assets | 0.0060% | 4,145 |
| Net operating income to assets | 0.2544% | 5,568 |
| Return on assets (ROA) | 0.2544% | 5,645 |
| Pretax return on assets | 0.3028% | 5,634 |
| Return on Equity (ROE) | 2.8319% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.8319% | 4,421 |
| Net charge-offs to loans | 0.0185% | 3,572 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 51.1278% | 1,026 |
| Efficiency ratio | 89.9606% | 704 |
| Assets per employee ($millions) | 4.7644% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 3,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 30.1318% | 5,968 |
| Net loans and leases to deposits | 32.9432% | 6,035 |
| Net loans and leases to core deposits | 32.9432% | 6,062 |
| Total domestic deposits to total assets | 91.4659% | 164 |
| Equity capital to assets | 8.3872% | 5,773 |
| Core capital (leverage) ratio | 8.9588% | 5,042 |
| Tier 1 risk-based capital ratio | 22.0457% | 1,191 |
| Total risk-based capital ratio | 22.9836% | 1,206 |
| Memoranda: | ||
| Average total assets | $22,014,500 | 6,154 |
| Average earning assets | $20,682,750 | 6,135 |
| Average equity | $1,977,500 | 6,187 |
| Average total loans | $7,182,500 | 6,163 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 5,596 |
| Cost of funding earning assets | 0.1770% | 5,637 |
| Net interest margin | 3.0391% | 5,122 |
| Noninterest income to average assets | 0.2522% | 5,147 |
| Noninterest expense to average assets | 2.8489% | 3,072 |
| Loan and lease loss provision to assets | 0.0093% | 3,919 |
| Net operating income to assets | 0.2429% | 5,596 |
| Return on assets (ROA) | 0.2429% | 5,668 |
| Pretax return on assets | 0.2802% | 5,689 |
| Return on Equity (ROE) | 2.6387% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.6387% | 4,379 |
| Net charge-offs to loans | 0.0279% | 3,106 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,336 |
| Efficiency ratio | 90.7738% | 699 |
| Assets per employee ($millions) | 4.4702% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.2312% | 5,966 |
| Net loans and leases to deposits | 35.4318% | 6,050 |
| Net loans and leases to core deposits | 35.4318% | 6,078 |
| Total domestic deposits to total assets | 90.9668% | 301 |
| Equity capital to assets | 8.8721% | 5,370 |
| Core capital (leverage) ratio | 9.1674% | 4,733 |
| Tier 1 risk-based capital ratio | 21.0041% | 1,362 |
| Total risk-based capital ratio | 21.9045% | 1,400 |
| Memoranda: | ||
| Average total assets | $21,412,000 | 6,237 |
| Average earning assets | $20,334,670 | 6,212 |
| Average equity | $1,970,670 | 6,260 |
| Average total loans | $7,155,670 | 6,237 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2002% | 5,651 |
| Cost of funding earning assets | 0.1811% | 5,672 |
| Net interest margin | 3.0191% | 5,157 |
| Noninterest income to average assets | 0.2483% | 5,179 |
| Noninterest expense to average assets | 2.8077% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3056% | 5,392 |
| Return on assets (ROA) | 0.3056% | 5,495 |
| Pretax return on assets | 0.3056% | 5,641 |
| Return on Equity (ROE) | 3.2578% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.2578% | 4,032 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1840% | 838 |
| Assets per employee ($millions) | 4.1240% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 4,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.0582% | 5,872 |
| Net loans and leases to deposits | 38.8009% | 5,958 |
| Net loans and leases to core deposits | 38.8009% | 6,013 |
| Total domestic deposits to total assets | 90.3540% | 586 |
| Equity capital to assets | 9.5684% | 4,670 |
| Core capital (leverage) ratio | 9.3756% | 4,467 |
| Tier 1 risk-based capital ratio | 21.7963% | 1,276 |
| Total risk-based capital ratio | 22.7353% | 1,301 |
| Memoranda: | ||
| Average total assets | $20,942,500 | 6,311 |
| Average earning assets | $19,873,500 | 6,285 |
| Average equity | $1,964,500 | 6,320 |
| Average total loans | $7,089,000 | 6,308 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 5,592 |
| Cost of funding earning assets | 0.1610% | 6,035 |
| Net interest margin | 3.2047% | 4,900 |
| Noninterest income to average assets | 0.2708% | 5,186 |
| Noninterest expense to average assets | 3.1467% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1379% | 5,899 |
| Return on assets (ROA) | 0.1379% | 5,945 |
| Pretax return on assets | 0.1625% | 5,923 |
| Return on Equity (ROE) | 1.4328% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.4328% | 5,123 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0893% | 541 |
| Assets per employee ($millions) | 3.5442% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 3,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 31.8787% | 6,117 |
| Net loans and leases to deposits | 35.1480% | 6,192 |
| Net loans and leases to core deposits | 35.1480% | 6,216 |
| Total domestic deposits to total assets | 90.6983% | 466 |
| Equity capital to assets | 9.1982% | 5,077 |
| Core capital (leverage) ratio | 9.2148% | 4,659 |
| Tier 1 risk-based capital ratio | 22.2712% | 1,187 |
| Total risk-based capital ratio | 23.2572% | 1,200 |
| Memoranda: | ||
| Average total assets | $20,307,000 | 6,410 |
| Average earning assets | $19,253,000 | 6,379 |
| Average equity | $1,954,200 | 6,409 |
| Average total loans | $6,632,600 | 6,403 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 5,509 |
| Cost of funding earning assets | 0.1544% | 6,161 |
| Net interest margin | 3.2909% | 4,640 |
| Noninterest income to average assets | 0.2724% | 5,266 |
| Noninterest expense to average assets | 3.0097% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3455% | 5,442 |
| Return on assets (ROA) | 0.3455% | 5,513 |
| Pretax return on assets | 0.3787% | 5,629 |
| Return on Equity (ROE) | 3.5486% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.5486% | 4,121 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8235% | 934 |
| Assets per employee ($millions) | 3.4257% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 30.4612% | 6,234 |
| Net loans and leases to deposits | 33.7575% | 6,306 |
| Net loans and leases to core deposits | 33.7575% | 6,327 |
| Total domestic deposits to total assets | 90.2355% | 634 |
| Equity capital to assets | 9.6332% | 4,630 |
| Core capital (leverage) ratio | 9.5514% | 4,302 |
| Tier 1 risk-based capital ratio | 23.7508% | 1,021 |
| Total risk-based capital ratio | 24.7892% | 1,027 |
| Memoranda: | ||
| Average total assets | $20,067,500 | 6,487 |
| Average earning assets | $19,001,500 | 6,458 |
| Average equity | $1,953,750 | 6,484 |
| Average total loans | $6,574,750 | 6,479 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 5,476 |
| Cost of funding earning assets | 0.1597% | 6,200 |
| Net interest margin | 3.3109% | 4,545 |
| Noninterest income to average assets | 0.2713% | 5,265 |
| Noninterest expense to average assets | 3.0143% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3517% | 5,402 |
| Return on assets (ROA) | 0.3517% | 5,469 |
| Pretax return on assets | 0.3818% | 5,609 |
| Return on Equity (ROE) | 3.5990% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.5990% | 3,901 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7574% | 1,017 |
| Assets per employee ($millions) | 3.4010% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 33.2157% | 6,190 |
| Net loans and leases to deposits | 37.2684% | 6,252 |
| Net loans and leases to core deposits | 37.2684% | 6,299 |
| Total domestic deposits to total assets | 89.1257% | 1,286 |
| Equity capital to assets | 9.6246% | 4,591 |
| Core capital (leverage) ratio | 9.6405% | 4,124 |
| Tier 1 risk-based capital ratio | 22.8816% | 1,127 |
| Total risk-based capital ratio | 23.8903% | 1,147 |
| Memoranda: | ||
| Average total assets | $19,905,330 | 6,555 |
| Average earning assets | $18,786,670 | 6,528 |
| Average equity | $1,945,000 | 6,546 |
| Average total loans | $6,651,000 | 6,539 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 5,561 |
| Cost of funding earning assets | 0.1719% | 6,217 |
| Net interest margin | 3.2666% | 4,682 |
| Noninterest income to average assets | 0.2849% | 5,092 |
| Noninterest expense to average assets | 3.0934% | 2,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2849% | 5,550 |
| Return on assets (ROA) | 0.2849% | 5,592 |
| Pretax return on assets | 0.2849% | 5,751 |
| Return on Equity (ROE) | 2.8933% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.8933% | 4,361 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5663% | 907 |
| Assets per employee ($millions) | 3.2955% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 33.7177% | 6,193 |
| Net loans and leases to deposits | 37.4298% | 6,270 |
| Net loans and leases to core deposits | 37.4298% | 6,328 |
| Total domestic deposits to total assets | 90.0824% | 1,026 |
| Equity capital to assets | 9.8265% | 4,068 |
| Core capital (leverage) ratio | 9.4205% | 4,391 |
| Tier 1 risk-based capital ratio | 22.7674% | 1,166 |
| Total risk-based capital ratio | 23.7822% | 1,184 |
| Memoranda: | ||
| Average total assets | $19,655,000 | 6,628 |
| Average earning assets | $18,612,500 | 6,598 |
| Average equity | $1,935,500 | 6,609 |
| Average total loans | $6,545,000 | 6,611 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 5,758 |
| Cost of funding earning assets | 0.1622% | 6,489 |
| Net interest margin | 3.2777% | 4,742 |
| Noninterest income to average assets | 0.4156% | 4,335 |
| Noninterest expense to average assets | 3.2467% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1558% | 5,931 |
| Return on assets (ROA) | 0.1558% | 5,994 |
| Pretax return on assets | 0.2130% | 5,914 |
| Return on Equity (ROE) | 1.5607% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.5607% | 5,113 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8438% | 760 |
| Assets per employee ($millions) | 3.2562% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 3,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 32.0059% | 6,382 |
| Net loans and leases to deposits | 35.5506% | 6,438 |
| Net loans and leases to core deposits | 35.5506% | 6,485 |
| Total domestic deposits to total assets | 90.0292% | 1,056 |
| Equity capital to assets | 9.8685% | 3,940 |
| Core capital (leverage) ratio | 9.4628% | 4,318 |
| Tier 1 risk-based capital ratio | 23.4332% | 1,027 |
| Total risk-based capital ratio | 24.4860% | 1,043 |
| Memoranda: | ||
| Average total assets | $19,250,400 | 6,714 |
| Average earning assets | $17,878,200 | 6,683 |
| Average equity | $1,922,200 | 6,700 |
| Average total loans | $6,790,400 | 6,693 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 5,778 |
| Cost of funding earning assets | 0.1653% | 6,576 |
| Net interest margin | 3.2904% | 4,680 |
| Noninterest income to average assets | 0.4658% | 4,031 |
| Noninterest expense to average assets | 3.1145% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3684% | 5,376 |
| Return on assets (ROA) | 0.3684% | 5,509 |
| Pretax return on assets | 0.3962% | 5,632 |
| Return on Equity (ROE) | 3.6788% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.6788% | 4,084 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7129% | 1,110 |
| Assets per employee ($millions) | 3.2948% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,370 |
| Loan loss allowance to noncurrent loans | 4,250.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,470 |
| Noncurrent loans to loans | 0.0307% | 6,255 |
| Net loans and leases to total assets | 32.5459% | 6,427 |
| Net loans and leases to deposits | 36.1847% | 6,501 |
| Net loans and leases to core deposits | 36.1847% | 6,555 |
| Total domestic deposits to total assets | 89.9439% | 1,032 |
| Equity capital to assets | 9.8639% | 4,093 |
| Core capital (leverage) ratio | 9.9320% | 3,767 |
| Tier 1 risk-based capital ratio | 23.3301% | 1,090 |
| Total risk-based capital ratio | 24.3662% | 1,111 |
| Memoranda: | ||
| Average total assets | $19,178,750 | 6,791 |
| Average earning assets | $17,748,500 | 6,760 |
| Average equity | $1,920,750 | 6,780 |
| Average total loans | $6,903,500 | 6,761 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4795% | 5,735 |
| Cost of funding earning assets | 0.1711% | 6,622 |
| Net interest margin | 3.3084% | 4,544 |
| Noninterest income to average assets | 0.3372% | 4,982 |
| Noninterest expense to average assets | 3.1082% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2845% | 5,646 |
| Return on assets (ROA) | 0.2845% | 5,789 |
| Pretax return on assets | 0.2845% | 5,913 |
| Return on Equity (ROE) | 2.8257% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.8257% | 4,517 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6149% | 921 |
| Assets per employee ($millions) | 3.1335% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 4,592 |
| Loan loss allowance to noncurrent loans | 2,125.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 6,477 |
| Noncurrent loans to loans | 0.0604% | 6,205 |
| Net loans and leases to total assets | 34.7907% | 6,374 |
| Net loans and leases to deposits | 39.1935% | 6,445 |
| Net loans and leases to core deposits | 39.1935% | 6,499 |
| Total domestic deposits to total assets | 88.7666% | 1,749 |
| Equity capital to assets | 10.2441% | 3,603 |
| Core capital (leverage) ratio | 9.8674% | 3,688 |
| Tier 1 risk-based capital ratio | 23.6753% | 1,037 |
| Total risk-based capital ratio | 24.7401% | 1,044 |
| Memoranda: | ||
| Average total assets | $18,982,000 | 6,841 |
| Average earning assets | $17,531,330 | 6,814 |
| Average equity | $1,911,000 | 6,829 |
| Average total loans | $7,031,670 | 6,805 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5418% | 5,602 |
| Cost of funding earning assets | 0.2030% | 6,561 |
| Net interest margin | 3.3388% | 4,358 |
| Noninterest income to average assets | 0.3356% | 5,012 |
| Noninterest expense to average assets | 3.1878% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2517% | 5,720 |
| Return on assets (ROA) | 0.2517% | 5,840 |
| Pretax return on assets | 0.2517% | 5,953 |
| Return on Equity (ROE) | 2.5217% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.5217% | 4,762 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6829% | 932 |
| Assets per employee ($millions) | 3.1803% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 5,210 |
| Loan loss allowance to noncurrent loans | 1,214.2857% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 6,497 |
| Noncurrent loans to loans | 0.0983% | 6,183 |
| Net loans and leases to total assets | 36.8724% | 6,235 |
| Net loans and leases to deposits | 41.0717% | 6,375 |
| Net loans and leases to core deposits | 41.0717% | 6,433 |
| Total domestic deposits to total assets | 89.7757% | 1,179 |
| Equity capital to assets | 10.0042% | 4,146 |
| Core capital (leverage) ratio | 9.6427% | 3,858 |
| Tier 1 risk-based capital ratio | 22.8359% | 1,188 |
| Total risk-based capital ratio | 23.8722% | 1,200 |
| Memoranda: | ||
| Average total assets | $19,072,500 | 6,913 |
| Average earning assets | $17,731,000 | 6,888 |
| Average equity | $1,903,500 | 6,890 |
| Average total loans | $7,234,500 | 6,868 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 6,039 |
| Cost of funding earning assets | 0.2497% | 6,671 |
| Net interest margin | 3.4564% | 4,683 |
| Noninterest income to average assets | 0.3614% | 4,896 |
| Noninterest expense to average assets | 3.4603% | 1,923 |
| Loan and lease loss provision to assets | -0.0106% | 6,821 |
| Net operating income to assets | 0.1169% | 5,977 |
| Return on assets (ROA) | 0.1169% | 6,118 |
| Pretax return on assets | 0.1488% | 6,070 |
| Return on Equity (ROE) | 1.1605% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.1605% | 5,291 |
| Net charge-offs to loans | -0.0287% | 6,609 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1595% | 701 |
| Assets per employee ($millions) | 2.7233% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,321 |
| Loan loss allowance to noncurrent loans | 944.4444% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 6,519 |
| Noncurrent loans to loans | 0.1225% | 6,172 |
| Net loans and leases to total assets | 38.1000% | 6,297 |
| Net loans and leases to deposits | 42.5160% | 6,442 |
| Net loans and leases to core deposits | 42.5160% | 6,525 |
| Total domestic deposits to total assets | 89.6134% | 1,181 |
| Equity capital to assets | 9.9565% | 4,226 |
| Core capital (leverage) ratio | 9.6472% | 3,895 |
| Tier 1 risk-based capital ratio | 22.3449% | 1,207 |
| Total risk-based capital ratio | 23.3649% | 1,213 |
| Memoranda: | ||
| Average total assets | $18,813,400 | 6,976 |
| Average earning assets | $17,619,600 | 6,941 |
| Average equity | $1,895,800 | 6,967 |
| Average total loans | $6,971,400 | 6,949 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 6,165 |
| Cost of funding earning assets | 0.2578% | 6,779 |
| Net interest margin | 3.4735% | 4,740 |
| Noninterest income to average assets | 0.3556% | 4,979 |
| Noninterest expense to average assets | 3.3064% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2631% | 5,740 |
| Return on assets (ROA) | 0.2631% | 5,931 |
| Pretax return on assets | 0.3057% | 5,944 |
| Return on Equity (ROE) | 2.6028% | 5,848 |
| Retained earnings to average equity (ytd only) | 2.6028% | 5,008 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5354% | 917 |
| Assets per employee ($millions) | 2.7179% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,319 |
| Loan loss allowance to noncurrent loans | 708.3333% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 6,590 |
| Noncurrent loans to loans | 0.1683% | 6,186 |
| Net loans and leases to total assets | 37.0302% | 6,483 |
| Net loans and leases to deposits | 41.2567% | 6,633 |
| Net loans and leases to core deposits | 41.2567% | 6,693 |
| Total domestic deposits to total assets | 89.7556% | 967 |
| Equity capital to assets | 10.0499% | 4,425 |
| Core capital (leverage) ratio | 9.9544% | 3,604 |
| Tier 1 risk-based capital ratio | 23.1091% | 1,158 |
| Total risk-based capital ratio | 24.1562% | 1,159 |
| Memoranda: | ||
| Average total assets | $18,751,000 | 7,069 |
| Average earning assets | $17,580,500 | 7,038 |
| Average equity | $1,895,250 | 7,059 |
| Average total loans | $6,877,250 | 7,046 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 6,215 |
| Cost of funding earning assets | 0.2739% | 6,822 |
| Net interest margin | 3.4921% | 4,704 |
| Noninterest income to average assets | 0.3537% | 5,005 |
| Noninterest expense to average assets | 3.3120% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2894% | 5,655 |
| Return on assets (ROA) | 0.2894% | 5,858 |
| Pretax return on assets | 0.3215% | 5,920 |
| Return on Equity (ROE) | 2.8576% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.8576% | 4,723 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1504% | 984 |
| Assets per employee ($millions) | 3.1120% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 5,331 |
| Loan loss allowance to noncurrent loans | 607.1429% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,624 |
| Noncurrent loans to loans | 0.1984% | 6,188 |
| Net loans and leases to total assets | 37.3447% | 6,529 |
| Net loans and leases to deposits | 41.6821% | 6,671 |
| Net loans and leases to core deposits | 41.6821% | 6,747 |
| Total domestic deposits to total assets | 89.5940% | 1,163 |
| Equity capital to assets | 10.1917% | 4,060 |
| Core capital (leverage) ratio | 9.9946% | 3,425 |
| Tier 1 risk-based capital ratio | 23.4430% | 1,078 |
| Total risk-based capital ratio | 24.5103% | 1,085 |
| Memoranda: | ||
| Average total assets | $18,659,670 | 7,130 |
| Average earning assets | $17,525,330 | 7,098 |
| Average equity | $1,889,670 | 7,108 |
| Average total loans | $6,793,000 | 7,110 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 6,092 |
| Cost of funding earning assets | 0.2731% | 6,927 |
| Net interest margin | 3.5956% | 4,287 |
| Noninterest income to average assets | 0.3217% | 5,298 |
| Noninterest expense to average assets | 3.3238% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3431% | 5,498 |
| Return on assets (ROA) | 0.3431% | 5,675 |
| Pretax return on assets | 0.3860% | 5,759 |
| Return on Equity (ROE) | 3.3988% | 5,549 |
| Retained earnings to average equity (ytd only) | 3.3988% | 4,532 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5954% | 1,132 |
| Assets per employee ($millions) | 3.0943% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,984 |
| Loan loss allowance to noncurrent loans | 531.2500% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 6,670 |
| Noncurrent loans to loans | 0.2463% | 6,198 |
| Net loans and leases to total assets | 34.5362% | 6,710 |
| Net loans and leases to deposits | 38.5290% | 6,803 |
| Net loans and leases to core deposits | 38.5290% | 6,867 |
| Total domestic deposits to total assets | 89.6370% | 1,278 |
| Equity capital to assets | 10.1853% | 3,869 |
| Core capital (leverage) ratio | 9.8560% | 3,561 |
| Tier 1 risk-based capital ratio | 24.1066% | 994 |
| Total risk-based capital ratio | 25.2112% | 996 |
| Memoranda: | ||
| Average total assets | $18,653,500 | 7,187 |
| Average earning assets | $17,577,000 | 7,158 |
| Average equity | $1,883,000 | 7,165 |
| Average total loans | $6,660,500 | 7,172 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 5,771 |
| Cost of funding earning assets | 0.3342% | 7,048 |
| Net interest margin | 3.9627% | 3,057 |
| Noninterest income to average assets | 0.4239% | 4,418 |
| Noninterest expense to average assets | 3.7817% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3358% | 5,120 |
| Return on assets (ROA) | 0.3358% | 5,282 |
| Pretax return on assets | 0.2973% | 5,560 |
| Return on Equity (ROE) | 3.2388% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.6460% | 5,033 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7126% | 1,006 |
| Assets per employee ($millions) | 2.6773% | 6,641 |
| Cash dividends to net income (ytd only)* | 49.1803% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 5,198 |
| Loan loss allowance to noncurrent loans | 472.2222% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 6,714 |
| Noncurrent loans to loans | 0.2638% | 6,196 |
| Net loans and leases to total assets | 35.9586% | 6,772 |
| Net loans and leases to deposits | 40.0988% | 6,877 |
| Net loans and leases to core deposits | 40.0988% | 6,941 |
| Total domestic deposits to total assets | 89.6750% | 1,168 |
| Equity capital to assets | 10.0048% | 4,164 |
| Core capital (leverage) ratio | 9.9675% | 3,379 |
| Tier 1 risk-based capital ratio | 23.1612% | 1,083 |
| Total risk-based capital ratio | 24.2317% | 1,085 |
| Memoranda: | ||
| Average total assets | $18,166,200 | 7,244 |
| Average earning assets | $16,756,200 | 7,215 |
| Average equity | $1,883,400 | 7,225 |
| Average total loans | $6,683,800 | 7,219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 5,649 |
| Cost of funding earning assets | 0.3475% | 7,130 |
| Net interest margin | 4.0406% | 2,729 |
| Noninterest income to average assets | 0.4291% | 4,445 |
| Noninterest expense to average assets | 3.4548% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7250% | 3,480 |
| Return on assets (ROA) | 0.7250% | 3,661 |
| Pretax return on assets | 0.6732% | 4,569 |
| Return on Equity (ROE) | 6.9297% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.9297% | 2,006 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6918% | 1,760 |
| Assets per employee ($millions) | 2.6164% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 5,059 |
| Loan loss allowance to noncurrent loans | 425.0000% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 6,781 |
| Noncurrent loans to loans | 0.3032% | 6,241 |
| Net loans and leases to total assets | 35.5501% | 6,887 |
| Net loans and leases to deposits | 40.3133% | 6,968 |
| Net loans and leases to core deposits | 40.3133% | 7,029 |
| Total domestic deposits to total assets | 88.1845% | 1,935 |
| Equity capital to assets | 10.6033% | 3,565 |
| Core capital (leverage) ratio | 10.2982% | 3,086 |
| Tier 1 risk-based capital ratio | 25.0460% | 909 |
| Total risk-based capital ratio | 26.1629% | 907 |
| Memoranda: | ||
| Average total assets | $18,022,500 | 7,319 |
| Average earning assets | $16,498,750 | 7,298 |
| Average equity | $1,885,500 | 7,299 |
| Average total loans | $6,648,750 | 7,294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 5,697 |
| Cost of funding earning assets | 0.3676% | 7,195 |
| Net interest margin | 4.0310% | 2,695 |
| Noninterest income to average assets | 0.4128% | 4,566 |
| Noninterest expense to average assets | 3.5035% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4686% | 4,650 |
| Return on assets (ROA) | 0.4686% | 4,787 |
| Pretax return on assets | 0.5802% | 4,808 |
| Return on Equity (ROE) | 4.5000% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.5000% | 3,331 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7923% | 1,625 |
| Assets per employee ($millions) | 2.5831% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 5,182 |
| Loan loss allowance to noncurrent loans | 369.5652% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 6,777 |
| Noncurrent loans to loans | 0.3444% | 6,226 |
| Net loans and leases to total assets | 36.4672% | 6,937 |
| Net loans and leases to deposits | 40.8930% | 7,035 |
| Net loans and leases to core deposits | 40.8930% | 7,109 |
| Total domestic deposits to total assets | 89.1771% | 1,431 |
| Equity capital to assets | 10.4358% | 3,595 |
| Core capital (leverage) ratio | 10.4123% | 2,808 |
| Tier 1 risk-based capital ratio | 24.9394% | 909 |
| Total risk-based capital ratio | 26.0846% | 901 |
| Memoranda: | ||
| Average total assets | $17,925,000 | 7,388 |
| Average earning assets | $16,323,330 | 7,374 |
| Average equity | $1,866,670 | 7,370 |
| Average total loans | $6,666,330 | 7,369 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 5,341 |
| Cost of funding earning assets | 0.3977% | 7,229 |
| Net interest margin | 4.1014% | 2,261 |
| Noninterest income to average assets | 0.4259% | 4,489 |
| Noninterest expense to average assets | 3.4292% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5379% | 4,321 |
| Return on assets (ROA) | 0.5379% | 4,405 |
| Pretax return on assets | 0.6948% | 4,320 |
| Return on Equity (ROE) | 5.1710% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.1710% | 3,076 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1522% | 2,057 |
| Assets per employee ($millions) | 3.0063% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 5,257 |
| Loan loss allowance to noncurrent loans | 340.0000% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 6,819 |
| Noncurrent loans to loans | 0.3755% | 6,246 |
| Net loans and leases to total assets | 36.4397% | 6,984 |
| Net loans and leases to deposits | 42.3082% | 7,009 |
| Net loans and leases to core deposits | 42.3082% | 7,098 |
| Total domestic deposits to total assets | 86.1293% | 3,444 |
| Equity capital to assets | 10.3615% | 3,337 |
| Core capital (leverage) ratio | 10.1901% | 2,938 |
| Tier 1 risk-based capital ratio | 20.5240% | 1,471 |
| Total risk-based capital ratio | 21.4758% | 1,508 |
| Memoranda: | ||
| Average total assets | $17,846,500 | 7,448 |
| Average earning assets | $16,092,000 | 7,435 |
| Average equity | $1,856,500 | 7,422 |
| Average total loans | $6,660,000 | 7,425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 5,543 |
| Cost of funding earning assets | 0.6076% | 7,111 |
| Net interest margin | 4.1605% | 2,325 |
| Noninterest income to average assets | 0.4112% | 4,814 |
| Noninterest expense to average assets | 3.8078% | 1,475 |
| Loan and lease loss provision to assets | -0.1014% | 7,605 |
| Net operating income to assets | 0.3943% | 4,566 |
| Return on assets (ROA) | 0.3943% | 4,712 |
| Pretax return on assets | 0.4844% | 4,675 |
| Return on Equity (ROE) | 3.7683% | 4,624 |
| Retained earnings to average equity (ytd only) | 0.5383% | 5,308 |
| Net charge-offs to loans | -0.4509% | 7,587 |
| Credit loss provision to net charge-offs | 58.0645% | 6,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8602% | 1,252 |
| Assets per employee ($millions) | 2.9425% | 6,227 |
| Cash dividends to net income (ytd only)* | 85.7143% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 5,130 |
| Loan loss allowance to noncurrent loans | 303.5714% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 6,832 |
| Noncurrent loans to loans | 0.4203% | 6,206 |
| Net loans and leases to total assets | 37.2529% | 7,105 |
| Net loans and leases to deposits | 41.8810% | 7,187 |
| Net loans and leases to core deposits | 41.8810% | 7,261 |
| Total domestic deposits to total assets | 88.9493% | 1,687 |
| Equity capital to assets | 10.4446% | 3,222 |
| Core capital (leverage) ratio | 9.9226% | 3,175 |
| Tier 1 risk-based capital ratio | 20.4225% | 1,416 |
| Total risk-based capital ratio | 21.3826% | 1,431 |
| Memoranda: | ||
| Average total assets | $17,753,200 | 7,517 |
| Average earning assets | $16,128,000 | 7,496 |
| Average equity | $1,857,600 | 7,528 |
| Average total loans | $6,875,000 | 7,502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 5,549 |
| Cost of funding earning assets | 0.6522% | 7,175 |
| Net interest margin | 4.1775% | 2,304 |
| Noninterest income to average assets | 0.4125% | 4,859 |
| Noninterest expense to average assets | 3.6824% | 1,608 |
| Loan and lease loss provision to assets | -0.1350% | 7,703 |
| Net operating income to assets | 0.5775% | 3,971 |
| Return on assets (ROA) | 0.5775% | 4,129 |
| Pretax return on assets | 0.6600% | 4,386 |
| Return on Equity (ROE) | 5.5164% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.5164% | 2,638 |
| Net charge-offs to loans | -0.5965% | 7,689 |
| Credit loss provision to net charge-offs | 58.0645% | 5,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5223% | 1,492 |
| Assets per employee ($millions) | 3.0425% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 5,166 |
| Loan loss allowance to noncurrent loans | 314.8148% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 6,984 |
| Noncurrent loans to loans | 0.4000% | 6,397 |
| Net loans and leases to total assets | 36.5105% | 7,243 |
| Net loans and leases to deposits | 40.9826% | 7,342 |
| Net loans and leases to core deposits | 40.9826% | 7,399 |
| Total domestic deposits to total assets | 89.0879% | 1,346 |
| Equity capital to assets | 10.4684% | 3,550 |
| Core capital (leverage) ratio | 10.5586% | 2,629 |
| Tier 1 risk-based capital ratio | 21.7467% | 1,249 |
| Total risk-based capital ratio | 22.7325% | 1,266 |
| Memoranda: | ||
| Average total assets | $17,777,750 | 7,611 |
| Average earning assets | $16,149,500 | 7,590 |
| Average equity | $1,861,000 | 7,624 |
| Average total loans | $6,928,250 | 7,599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 5,086 |
| Cost of funding earning assets | 0.6975% | 7,198 |
| Net interest margin | 4.2719% | 1,884 |
| Noninterest income to average assets | 0.3860% | 5,026 |
| Noninterest expense to average assets | 3.5076% | 2,011 |
| Loan and lease loss provision to assets | 0.3178% | 3,839 |
| Net operating income to assets | 0.3405% | 5,019 |
| Return on assets (ROA) | 0.3405% | 5,184 |
| Pretax return on assets | 0.4541% | 5,052 |
| Return on Equity (ROE) | 3.2532% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.2532% | 4,029 |
| Net charge-offs to loans | 1.2594% | 1,514 |
| Credit loss provision to net charge-offs | 63.6364% | 5,123 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 4,333 |
| Efficiency ratio | 81.9629% | 2,173 |
| Assets per employee ($millions) | 2.5309% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 7,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.7898% | 7,229 |
| Net loans and leases to deposits | 43.5212% | 7,337 |
| Net loans and leases to core deposits | 43.5212% | 7,417 |
| Total domestic deposits to total assets | 89.1285% | 1,363 |
| Equity capital to assets | 10.5159% | 3,393 |
| Core capital (leverage) ratio | 10.2256% | 2,912 |
| Tier 1 risk-based capital ratio | 24.4153% | 900 |
| Total risk-based capital ratio | 25.1637% | 933 |
| Memoranda: | ||
| Average total assets | $17,618,670 | 7,678 |
| Average earning assets | $16,058,330 | 7,654 |
| Average equity | $1,844,330 | 7,693 |
| Average total loans | $6,987,670 | 7,659 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 4,927 |
| Cost of funding earning assets | 0.6744% | 7,386 |
| Net interest margin | 4.3461% | 1,546 |
| Noninterest income to average assets | 0.4098% | 4,820 |
| Noninterest expense to average assets | 3.5743% | 1,797 |
| Loan and lease loss provision to assets | 0.6375% | 1,989 |
| Net operating income to assets | 0.0455% | 6,170 |
| Return on assets (ROA) | 0.0455% | 6,282 |
| Pretax return on assets | 0.1594% | 5,996 |
| Return on Equity (ROE) | 0.4360% | 6,295 |
| Retained earnings to average equity (ytd only) | 0.4360% | 5,662 |
| Net charge-offs to loans | 2.5080% | 649 |
| Credit loss provision to net charge-offs | 63.6364% | 4,234 |
| Earnings coverage of net charge-offs (x) | 0.7955% | 4,327 |
| Efficiency ratio | 81.7708% | 2,298 |
| Assets per employee ($millions) | 2.5394% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 7,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 39.3677% | 7,284 |
| Net loans and leases to deposits | 44.0458% | 7,402 |
| Net loans and leases to core deposits | 44.0458% | 7,482 |
| Total domestic deposits to total assets | 89.3789% | 1,312 |
| Equity capital to assets | 10.3285% | 3,435 |
| Core capital (leverage) ratio | 10.0239% | 3,142 |
| Tier 1 risk-based capital ratio | 17.2101% | 2,193 |
| Total risk-based capital ratio | 17.7455% | 2,404 |
| Memoranda: | ||
| Average total assets | $17,570,000 | 7,780 |
| Average earning assets | $16,014,500 | 7,755 |
| Average equity | $1,835,000 | 7,779 |
| Average total loans | $7,017,500 | 7,757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 5,060 |
| Cost of funding earning assets | 0.8029% | 7,549 |
| Net interest margin | 4.5222% | 1,128 |
| Noninterest income to average assets | 0.4505% | 4,806 |
| Noninterest expense to average assets | 3.7968% | 1,700 |
| Loan and lease loss provision to assets | 0.4095% | 4,352 |
| Net operating income to assets | 0.1755% | 4,977 |
| Return on assets (ROA) | 0.1755% | 5,048 |
| Pretax return on assets | 0.3627% | 4,604 |
| Return on Equity (ROE) | 1.5861% | 5,057 |
| Retained earnings to average equity (ytd only) | -1.5861% | 5,411 |
| Net charge-offs to loans | 0.9636% | 2,478 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1.8857% | 4,312 |
| Efficiency ratio | 83.0986% | 2,464 |
| Assets per employee ($millions) | 2.4806% | 7,235 |
| Cash dividends to net income (ytd only)* | 200.0000% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 6,209 |
| Loan loss allowance to noncurrent loans | 64.8649% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 5,858 |
| Noncurrent loans to loans | 1.5900% | 4,268 |
| Net loans and leases to total assets | 39.7892% | 7,361 |
| Net loans and leases to deposits | 44.7996% | 7,483 |
| Net loans and leases to core deposits | 49.0557% | 7,606 |
| Total domestic deposits to total assets | 88.8159% | 1,563 |
| Equity capital to assets | 10.5621% | 3,115 |
| Core capital (leverage) ratio | 10.1622% | 2,935 |
| Tier 1 risk-based capital ratio | 24.1699% | 934 |
| Total risk-based capital ratio | 25.1378% | 938 |
| Memoranda: | ||
| Average total assets | $17,093,400 | 7,849 |
| Average earning assets | $15,567,600 | 7,831 |
| Average equity | $1,891,400 | 7,861 |
| Average total loans | $7,264,600 | 7,816 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 4,866 |
| Cost of funding earning assets | 0.8083% | 7,682 |
| Net interest margin | 4.6089% | 980 |
| Noninterest income to average assets | 0.4385% | 4,972 |
| Noninterest expense to average assets | 3.7511% | 1,704 |
| Loan and lease loss provision to assets | 0.0627% | 6,733 |
| Net operating income to assets | 0.5952% | 3,618 |
| Return on assets (ROA) | 0.5952% | 3,681 |
| Pretax return on assets | 0.8223% | 3,466 |
| Return on Equity (ROE) | 5.3171% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.3171% | 2,304 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9122% | 2,717 |
| Assets per employee ($millions) | 2.4180% | 7,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 41.7996% | 7,377 |
| Net loans and leases to deposits | 47.4450% | 7,521 |
| Net loans and leases to core deposits | 51.3463% | 7,657 |
| Total domestic deposits to total assets | 88.1011% | 1,615 |
| Equity capital to assets | 11.4676% | 2,622 |
| Core capital (leverage) ratio | 11.0717% | 2,355 |
| Tier 1 risk-based capital ratio | 24.5300% | 945 |
| Total risk-based capital ratio | 25.5601% | 950 |
| Memoranda: | ||
| Average total assets | $17,025,750 | 7,934 |
| Average earning assets | $15,505,750 | 7,913 |
| Average equity | $1,905,750 | 7,937 |
| Average total loans | $7,335,500 | 7,886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4831% | 4,721 |
| Cost of funding earning assets | 0.8335% | 7,777 |
| Net interest margin | 4.6495% | 878 |
| Noninterest income to average assets | 0.4572% | 4,804 |
| Noninterest expense to average assets | 3.6110% | 2,040 |
| Loan and lease loss provision to assets | 0.0938% | 6,232 |
| Net operating income to assets | 0.6800% | 3,342 |
| Return on assets (ROA) | 0.6800% | 3,460 |
| Pretax return on assets | 0.9379% | 3,215 |
| Return on Equity (ROE) | 6.1246% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.1246% | 1,960 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 3,381 |
| Assets per employee ($millions) | 2.4367% | 7,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.5280% | 7,416 |
| Net loans and leases to deposits | 48.1290% | 7,560 |
| Net loans and leases to core deposits | 50.9160% | 7,743 |
| Total domestic deposits to total assets | 88.3625% | 1,590 |
| Equity capital to assets | 11.2740% | 2,698 |
| Core capital (leverage) ratio | 10.7859% | 2,577 |
| Tier 1 risk-based capital ratio | 24.0505% | 1,030 |
| Total risk-based capital ratio | 25.0701% | 1,036 |
| Memoranda: | ||
| Average total assets | $17,059,000 | 8,012 |
| Average earning assets | $15,356,330 | 7,996 |
| Average equity | $1,894,000 | 8,025 |
| Average total loans | $7,395,670 | 7,972 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 4,891 |
| Cost of funding earning assets | 0.8164% | 7,891 |
| Net interest margin | 4.6878% | 785 |
| Noninterest income to average assets | 0.5158% | 4,174 |
| Noninterest expense to average assets | 3.5873% | 1,890 |
| Loan and lease loss provision to assets | 0.1407% | 5,143 |
| Net operating income to assets | 0.6800% | 3,662 |
| Return on assets (ROA) | 0.6800% | 3,847 |
| Pretax return on assets | 0.9613% | 3,495 |
| Return on Equity (ROE) | 6.1719% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.1719% | 2,556 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5000% | 3,402 |
| Assets per employee ($millions) | 2.5246% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 5,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.7877% | 7,530 |
| Net loans and leases to deposits | 45.8087% | 7,670 |
| Net loans and leases to core deposits | 48.6698% | 7,817 |
| Total domestic deposits to total assets | 89.0392% | 1,215 |
| Equity capital to assets | 10.7175% | 3,275 |
| Core capital (leverage) ratio | 10.9404% | 2,548 |
| Tier 1 risk-based capital ratio | 23.1008% | 1,181 |
| Total risk-based capital ratio | 24.0706% | 1,187 |
| Memoranda: | ||
| Average total assets | $17,060,000 | 8,060 |
| Average earning assets | $15,188,500 | 8,046 |
| Average equity | $1,879,500 | 8,076 |
| Average total loans | $7,426,500 | 8,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2346% | 4,333 |
| Cost of funding earning assets | 1.2126% | 7,930 |
| Net interest margin | 5.0219% | 483 |
| Noninterest income to average assets | 0.6434% | 3,520 |
| Noninterest expense to average assets | 3.8722% | 1,617 |
| Loan and lease loss provision to assets | 0.1181% | 5,859 |
| Net operating income to assets | 0.8494% | 3,225 |
| Return on assets (ROA) | 0.9149% | 2,787 |
| Pretax return on assets | 1.2396% | 2,514 |
| Return on Equity (ROE) | 8.4102% | 2,887 |
| Retained earnings to average equity (ytd only) | 5.1546% | 1,930 |
| Net charge-offs to loans | -0.0127% | 7,876 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3157% | 3,352 |
| Assets per employee ($millions) | 1.8276% | 8,029 |
| Cash dividends to net income (ytd only)* | 38.7097% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.5618% | 7,367 |
| Net loans and leases to deposits | 51.9047% | 7,539 |
| Net loans and leases to core deposits | 54.6369% | 7,782 |
| Total domestic deposits to total assets | 87.7797% | 1,565 |
| Equity capital to assets | 11.3388% | 2,760 |
| Core capital (leverage) ratio | 10.8548% | 2,704 |
| Tier 1 risk-based capital ratio | 22.9804% | 1,198 |
| Total risk-based capital ratio | 23.8876% | 1,206 |
| Memoranda: | ||
| Average total assets | $16,941,400 | 8,104 |
| Average earning assets | $15,173,400 | 8,100 |
| Average equity | $1,843,000 | 8,149 |
| Average total loans | $7,877,400 | 8,039 |