Home > Millennial Bank > Performance and Condition Ratios
Millennial 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 | 6.9790% | 226 |
| Cost of funding earning assets | 2.1089% | 761 |
| Net interest margin | 4.8701% | 380 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 3.7295% | 452 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 0.8686% | 2,639 |
| Return on assets (ROA) | 0.8686% | 2,612 |
| Pretax return on assets | 0.6199% | 3,600 |
| Return on Equity (ROE) | 11.7500% | 2,024 |
| Retained earnings to average equity (ytd only) | 11.7514% | 663 |
| Net charge-offs to loans | 0.0020% | 2,738 |
| Credit loss provision to net charge-offs | 24,350.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 681.0000% | 208 |
| Efficiency ratio | 78.1920% | 1,056 |
| Assets per employee ($millions) | 7.7507% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,163 |
| Loan loss allowance to noncurrent loans | 830.9942% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 2,806 |
| Noncurrent loans to loans | 0.1470% | 2,776 |
| Net loans and leases to total assets | 74.1100% | 1,352 |
| Net loans and leases to deposits | 85.5248% | 1,646 |
| Net loans and leases to core deposits | 109.2335% | 986 |
| Total domestic deposits to total assets | 86.6500% | 1,802 |
| Equity capital to assets | 7.4813% | 3,730 |
| Core capital (leverage) ratio | 8.7887% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $141,144,800 | 3,448 |
| Average earning assets | $125,088,800 | 3,487 |
| Average equity | $10,432,800 | 3,672 |
| Average total loans | $99,482,400 | 3,180 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7271% | 246 |
| Cost of funding earning assets | 1.8598% | 916 |
| Net interest margin | 4.8672% | 374 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.7120% | 443 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.0779% | 2,123 |
| Return on assets (ROA) | 1.0779% | 2,113 |
| Pretax return on assets | 0.7108% | 3,530 |
| Return on Equity (ROE) | 14.6300% | 1,519 |
| Retained earnings to average equity (ytd only) | 14.6322% | 597 |
| Net charge-offs to loans | 0.0028% | 2,437 |
| Credit loss provision to net charge-offs | 8,600.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 331 |
| Efficiency ratio | 79.5737% | 886 |
| Assets per employee ($millions) | 7.5306% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,116 |
| Loan loss allowance to noncurrent loans | 654.4379% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 2,823 |
| Noncurrent loans to loans | 0.1604% | 2,750 |
| Net loans and leases to total assets | 69.2100% | 1,918 |
| Net loans and leases to deposits | 74.9423% | 2,498 |
| Net loans and leases to core deposits | 94.1548% | 1,667 |
| Total domestic deposits to total assets | 92.3500% | 395 |
| Equity capital to assets | 6.9948% | 3,612 |
| Core capital (leverage) ratio | 9.2078% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $137,677,500 | 3,488 |
| Average earning assets | $121,873,000 | 3,536 |
| Average equity | $10,141,750 | 3,714 |
| Average total loans | $95,277,250 | 3,230 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6873% | 217 |
| Cost of funding earning assets | 1.6887% | 895 |
| Net interest margin | 4.9985% | 311 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 3.8331% | 391 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.3962% | 1,345 |
| Return on assets (ROA) | 1.3962% | 1,320 |
| Pretax return on assets | 0.7513% | 3,498 |
| Return on Equity (ROE) | 18.6000% | 882 |
| Retained earnings to average equity (ytd only) | 18.6002% | 309 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.2489% | 824 |
| Assets per employee ($millions) | 7.2008% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,189 |
| Loan loss allowance to noncurrent loans | 595.8824% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 2,675 |
| Noncurrent loans to loans | 0.1763% | 2,598 |
| Net loans and leases to total assets | 69.7600% | 1,773 |
| Net loans and leases to deposits | 76.4142% | 2,268 |
| Net loans and leases to core deposits | 86.3483% | 2,044 |
| Total domestic deposits to total assets | 91.2900% | 561 |
| Equity capital to assets | 8.0437% | 3,179 |
| Core capital (leverage) ratio | 9.4640% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,366,000 | 3,532 |
| Average earning assets | $118,195,000 | 3,588 |
| Average equity | $10,010,667 | 3,741 |
| Average total loans | $91,922,667 | 3,273 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7791% | 138 |
| Cost of funding earning assets | 1.4685% | 897 |
| Net interest margin | 5.3106% | 194 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 4.0808% | 340 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.6594% | 3,559 |
| Return on assets (ROA) | 0.6594% | 3,514 |
| Pretax return on assets | 0.8265% | 3,404 |
| Return on Equity (ROE) | 9.1200% | 3,014 |
| Retained earnings to average equity (ytd only) | 9.1239% | 1,911 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.3647% | 800 |
| Assets per employee ($millions) | 6.9273% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,195 |
| Loan loss allowance to noncurrent loans | 564.9123% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 2,608 |
| Noncurrent loans to loans | 0.1897% | 2,526 |
| Net loans and leases to total assets | 67.7500% | 1,861 |
| Net loans and leases to deposits | 73.7180% | 2,316 |
| Net loans and leases to core deposits | 82.9650% | 2,063 |
| Total domestic deposits to total assets | 91.9000% | 539 |
| Equity capital to assets | 7.3834% | 3,626 |
| Core capital (leverage) ratio | 9.2499% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $131,641,500 | 3,597 |
| Average earning assets | $117,124,000 | 3,643 |
| Average equity | $9,513,500 | 3,836 |
| Average total loans | $89,658,000 | 3,338 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 216 |
| Cost of funding earning assets | 0.5785% | 981 |
| Net interest margin | 4.6412% | 230 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.6584% | 425 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.6234% | 3,823 |
| Return on assets (ROA) | 0.6267% | 3,765 |
| Pretax return on assets | 0.8345% | 3,535 |
| Return on Equity (ROE) | 7.8600% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.8606% | 1,893 |
| Net charge-offs to loans | -0.0049% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.6433% | 811 |
| Assets per employee ($millions) | 7.3147% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,127 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 67.0200% | 1,928 |
| Net loans and leases to deposits | 75.1153% | 2,167 |
| Net loans and leases to core deposits | 83.9444% | 1,883 |
| Total domestic deposits to total assets | 89.2300% | 1,656 |
| Equity capital to assets | 7.0703% | 3,630 |
| Core capital (leverage) ratio | 9.5034% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $119,833,600 | 3,734 |
| Average earning assets | $107,515,400 | 3,755 |
| Average equity | $9,554,000 | 3,925 |
| Average total loans | $82,016,800 | 3,387 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 240 |
| Cost of funding earning assets | 0.4008% | 1,280 |
| Net interest margin | 4.4937% | 242 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 3.7121% | 400 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6081% | 3,812 |
| Return on assets (ROA) | 0.6126% | 3,757 |
| Pretax return on assets | 0.7906% | 3,606 |
| Return on Equity (ROE) | 7.4500% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.4463% | 2,214 |
| Net charge-offs to loans | -0.0066% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.7601% | 785 |
| Assets per employee ($millions) | 7.0604% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,254 |
| Loan loss allowance to noncurrent loans | 1,647.2727% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,473 |
| Noncurrent loans to loans | 0.0638% | 3,418 |
| Net loans and leases to total assets | 67.1700% | 1,767 |
| Net loans and leases to deposits | 75.7671% | 1,894 |
| Net loans and leases to core deposits | 83.6863% | 1,680 |
| Total domestic deposits to total assets | 88.6500% | 2,235 |
| Equity capital to assets | 6.7583% | 3,633 |
| Core capital (leverage) ratio | 10.1286% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $116,876,000 | 3,781 |
| Average earning assets | $105,122,750 | 3,804 |
| Average equity | $9,615,250 | 3,960 |
| Average total loans | $80,226,000 | 3,422 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 248 |
| Cost of funding earning assets | 0.3717% | 1,105 |
| Net interest margin | 4.3471% | 254 |
| Noninterest income to average assets | 0.6645% | 1,484 |
| Noninterest expense to average assets | 3.8106% | 322 |
| Loan and lease loss provision to assets | 0.0529% | 1,631 |
| Net operating income to assets | 0.5817% | 3,674 |
| Return on assets (ROA) | 0.5887% | 3,605 |
| Pretax return on assets | 0.7473% | 3,456 |
| Return on Equity (ROE) | 6.7086% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.7086% | 2,085 |
| Net charge-offs to loans | -0.0102% | 3,603 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2332% | 854 |
| Assets per employee ($millions) | 6.9412% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 2,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 68.4204% | 1,442 |
| Net loans and leases to deposits | 75.0044% | 1,758 |
| Net loans and leases to core deposits | 78.2637% | 1,841 |
| Total domestic deposits to total assets | 91.2218% | 1,140 |
| Equity capital to assets | 8.1605% | 3,000 |
| Core capital (leverage) ratio | 9.7675% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,472,000 | 3,859 |
| Average earning assets | $102,781,000 | 3,884 |
| Average equity | $9,957,333 | 3,996 |
| Average total loans | $78,212,667 | 3,481 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 262 |
| Cost of funding earning assets | 0.3710% | 1,054 |
| Net interest margin | 4.2184% | 278 |
| Noninterest income to average assets | 1.0464% | 628 |
| Noninterest expense to average assets | 4.1438% | 254 |
| Loan and lease loss provision to assets | 0.0698% | 1,177 |
| Net operating income to assets | 0.4885% | 3,742 |
| Return on assets (ROA) | 0.5023% | 3,676 |
| Pretax return on assets | 0.6976% | 3,400 |
| Return on Equity (ROE) | 5.5361% | 3,475 |
| Retained earnings to average equity (ytd only) | 5.5361% | 2,399 |
| Net charge-offs to loans | -0.0203% | 3,920 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1789% | 906 |
| Assets per employee ($millions) | 8.2589% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.8075% | 1,131 |
| Net loans and leases to deposits | 75.7508% | 1,474 |
| Net loans and leases to core deposits | 78.9101% | 1,559 |
| Total domestic deposits to total assets | 90.8341% | 1,115 |
| Equity capital to assets | 8.5761% | 3,099 |
| Core capital (leverage) ratio | 9.4281% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,678,500 | 3,866 |
| Average earning assets | $104,590,500 | 3,878 |
| Average equity | $10,404,500 | 4,012 |
| Average total loans | $78,887,500 | 3,473 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 644 |
| Cost of funding earning assets | 0.4514% | 1,191 |
| Net interest margin | 4.0023% | 711 |
| Noninterest income to average assets | 0.3947% | 3,076 |
| Noninterest expense to average assets | 3.4475% | 518 |
| Loan and lease loss provision to assets | 0.1501% | 804 |
| Net operating income to assets | 0.4366% | 4,210 |
| Return on assets (ROA) | 0.4477% | 4,229 |
| Pretax return on assets | 0.4972% | 4,265 |
| Return on Equity (ROE) | 4.7764% | 4,046 |
| Retained earnings to average equity (ytd only) | 4.7764% | 2,879 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6520% | 636 |
| Assets per employee ($millions) | 7.5822% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.2698% | 1,337 |
| Net loans and leases to deposits | 78.5592% | 1,349 |
| Net loans and leases to core deposits | 82.0919% | 1,454 |
| Total domestic deposits to total assets | 85.6295% | 3,046 |
| Equity capital to assets | 9.5777% | 3,066 |
| Core capital (leverage) ratio | 9.6648% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,240,800 | 3,864 |
| Average earning assets | $104,339,400 | 3,862 |
| Average equity | $10,614,800 | 4,073 |
| Average total loans | $73,243,200 | 3,598 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 773 |
| Cost of funding earning assets | 0.4636% | 1,268 |
| Net interest margin | 3.9669% | 839 |
| Noninterest income to average assets | 0.3960% | 3,113 |
| Noninterest expense to average assets | 3.4665% | 476 |
| Loan and lease loss provision to assets | 0.1706% | 638 |
| Net operating income to assets | 0.4196% | 4,346 |
| Return on assets (ROA) | 0.4361% | 4,352 |
| Pretax return on assets | 0.4361% | 4,444 |
| Return on Equity (ROE) | 4.6781% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.6781% | 3,344 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6432% | 539 |
| Assets per employee ($millions) | 7.6470% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.6170% | 1,476 |
| Net loans and leases to deposits | 77.7147% | 1,508 |
| Net loans and leases to core deposits | 81.1669% | 1,641 |
| Total domestic deposits to total assets | 85.7199% | 2,860 |
| Equity capital to assets | 9.5096% | 3,355 |
| Core capital (leverage) ratio | 9.6931% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,117,750 | 3,914 |
| Average earning assets | $104,395,500 | 3,907 |
| Average equity | $10,545,250 | 4,132 |
| Average total loans | $72,216,250 | 3,663 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 991 |
| Cost of funding earning assets | 0.4814% | 1,309 |
| Net interest margin | 3.8285% | 1,095 |
| Noninterest income to average assets | 0.3428% | 3,394 |
| Noninterest expense to average assets | 3.3911% | 540 |
| Loan and lease loss provision to assets | 0.1510% | 784 |
| Net operating income to assets | 0.3322% | 4,486 |
| Return on assets (ROA) | 0.3571% | 4,488 |
| Pretax return on assets | 0.3571% | 4,540 |
| Return on Equity (ROE) | 3.8564% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.8564% | 3,565 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6488% | 491 |
| Assets per employee ($millions) | 7.5243% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.4286% | 2,128 |
| Net loans and leases to deposits | 72.9105% | 2,122 |
| Net loans and leases to core deposits | 76.8593% | 2,154 |
| Total domestic deposits to total assets | 85.6235% | 2,866 |
| Equity capital to assets | 9.3802% | 3,437 |
| Core capital (leverage) ratio | 9.3661% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,588,667 | 3,941 |
| Average earning assets | $103,854,000 | 3,934 |
| Average equity | $10,424,333 | 4,156 |
| Average total loans | $70,545,000 | 3,713 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 1,076 |
| Cost of funding earning assets | 0.4935% | 1,428 |
| Net interest margin | 3.7859% | 1,169 |
| Noninterest income to average assets | 0.2383% | 3,966 |
| Noninterest expense to average assets | 3.3473% | 563 |
| Loan and lease loss provision to assets | 0.1352% | 999 |
| Net operating income to assets | 0.2490% | 4,596 |
| Return on assets (ROA) | 0.2988% | 4,555 |
| Pretax return on assets | 0.2988% | 4,600 |
| Return on Equity (ROE) | 3.2486% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.2486% | 3,704 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7026% | 457 |
| Assets per employee ($millions) | 7.4577% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,817 |
| Loan loss allowance to noncurrent loans | 946.6667% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,899 |
| Noncurrent loans to loans | 0.1062% | 3,780 |
| Net loans and leases to total assets | 62.5084% | 2,234 |
| Net loans and leases to deposits | 73.5132% | 2,156 |
| Net loans and leases to core deposits | 76.6469% | 2,295 |
| Total domestic deposits to total assets | 85.0302% | 3,080 |
| Equity capital to assets | 8.9983% | 3,686 |
| Core capital (leverage) ratio | 9.3184% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,450,500 | 3,946 |
| Average earning assets | $103,753,000 | 3,941 |
| Average equity | $10,343,000 | 4,177 |
| Average total loans | $70,209,000 | 3,729 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2831% | 276 |
| Cost of funding earning assets | 0.7761% | 1,317 |
| Net interest margin | 4.5070% | 328 |
| Noninterest income to average assets | 0.3739% | 3,243 |
| Noninterest expense to average assets | 4.1401% | 329 |
| Loan and lease loss provision to assets | 0.1645% | 2,321 |
| Net operating income to assets | 0.1805% | 4,598 |
| Return on assets (ROA) | 0.4008% | 4,325 |
| Pretax return on assets | 0.4008% | 4,417 |
| Return on Equity (ROE) | 4.0083% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.0083% | 2,815 |
| Net charge-offs to loans | 0.0745% | 1,742 |
| Credit loss provision to net charge-offs | 343.7500% | 1,598 |
| Earnings coverage of net charge-offs (x) | 7.2083% | 2,714 |
| Efficiency ratio | 90.4624% | 363 |
| Assets per employee ($millions) | 7.0648% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 3,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 61.1407% | 2,712 |
| Net loans and leases to deposits | 77.2950% | 2,148 |
| Net loans and leases to core deposits | 80.7928% | 2,291 |
| Total domestic deposits to total assets | 79.1005% | 4,192 |
| Equity capital to assets | 9.3952% | 3,703 |
| Core capital (leverage) ratio | 9.7310% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,288,600 | 3,992 |
| Average earning assets | $91,480,200 | 4,009 |
| Average equity | $10,029,200 | 4,187 |
| Average total loans | $64,418,400 | 3,841 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 203 |
| Cost of funding earning assets | 0.8067% | 1,467 |
| Net interest margin | 4.7555% | 224 |
| Noninterest income to average assets | 0.4037% | 3,059 |
| Noninterest expense to average assets | 4.3664% | 276 |
| Loan and lease loss provision to assets | 0.2060% | 1,948 |
| Net operating income to assets | 0.1538% | 4,649 |
| Return on assets (ROA) | 0.4312% | 4,267 |
| Pretax return on assets | 0.4312% | 4,401 |
| Return on Equity (ROE) | 4.2368% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.2368% | 2,932 |
| Net charge-offs to loans | 0.1015% | 1,299 |
| Credit loss provision to net charge-offs | 312.5000% | 1,724 |
| Earnings coverage of net charge-offs (x) | 5.4583% | 2,729 |
| Efficiency ratio | 90.5869% | 349 |
| Assets per employee ($millions) | 7.1548% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 4,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.7845% | 2,792 |
| Net loans and leases to deposits | 85.5914% | 1,750 |
| Net loans and leases to core deposits | 89.1464% | 2,046 |
| Total domestic deposits to total assets | 74.5222% | 4,540 |
| Equity capital to assets | 9.0691% | 4,061 |
| Core capital (leverage) ratio | 9.7552% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,101,750 | 4,032 |
| Average earning assets | $88,259,750 | 4,054 |
| Average equity | $9,881,500 | 4,215 |
| Average total loans | $63,077,250 | 3,881 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2153% | 114 |
| Cost of funding earning assets | 0.8518% | 1,593 |
| Net interest margin | 5.3634% | 105 |
| Noninterest income to average assets | 0.4315% | 2,898 |
| Noninterest expense to average assets | 4.9961% | 193 |
| Loan and lease loss provision to assets | 0.2957% | 1,455 |
| Net operating income to assets | -0.0197% | 4,798 |
| Return on assets (ROA) | 0.3242% | 4,426 |
| Pretax return on assets | 0.3242% | 4,505 |
| Return on Equity (ROE) | 3.0469% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.0469% | 3,368 |
| Net charge-offs to loans | 0.1679% | 887 |
| Credit loss provision to net charge-offs | 270.0000% | 1,694 |
| Earnings coverage of net charge-offs (x) | 2.5200% | 2,768 |
| Efficiency ratio | 93.0619% | 318 |
| Assets per employee ($millions) | 7.5903% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,024 |
| Loan loss allowance to noncurrent loans | 32,000.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,590 |
| Noncurrent loans to loans | 0.0028% | 4,515 |
| Net loans and leases to total assets | 62.3474% | 3,085 |
| Net loans and leases to deposits | 83.6219% | 2,030 |
| Net loans and leases to core deposits | 87.0982% | 2,342 |
| Total domestic deposits to total assets | 74.5586% | 4,556 |
| Equity capital to assets | 8.9922% | 4,095 |
| Core capital (leverage) ratio | 10.5906% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,310,333 | 4,108 |
| Average earning assets | $82,410,000 | 4,134 |
| Average equity | $9,714,667 | 4,251 |
| Average total loans | $59,545,000 | 3,957 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2264% | 124 |
| Cost of funding earning assets | 0.9882% | 1,472 |
| Net interest margin | 5.2382% | 136 |
| Noninterest income to average assets | 0.5247% | 2,415 |
| Noninterest expense to average assets | 4.8727% | 240 |
| Loan and lease loss provision to assets | 0.2249% | 1,378 |
| Net operating income to assets | 0.0100% | 4,745 |
| Return on assets (ROA) | 0.3049% | 4,357 |
| Pretax return on assets | 0.3049% | 4,447 |
| Return on Equity (ROE) | 2.5812% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.5812% | 3,236 |
| Net charge-offs to loans | 0.2542% | 576 |
| Credit loss provision to net charge-offs | 132.3529% | 1,652 |
| Earnings coverage of net charge-offs (x) | 1.3824% | 2,393 |
| Efficiency ratio | 93.3464% | 388 |
| Assets per employee ($millions) | 5.4665% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,559 |
| Loan loss allowance to noncurrent loans | 1,825.8065% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,425 |
| Noncurrent loans to loans | 0.0563% | 4,329 |
| Net loans and leases to total assets | 66.4248% | 2,764 |
| Net loans and leases to deposits | 75.0627% | 3,165 |
| Net loans and leases to core deposits | 78.7243% | 3,301 |
| Total domestic deposits to total assets | 88.4924% | 885 |
| Equity capital to assets | 11.1759% | 2,706 |
| Core capital (leverage) ratio | 11.8683% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,038,500 | 4,267 |
| Average earning assets | $70,024,000 | 4,314 |
| Average equity | $9,453,000 | 4,300 |
| Average total loans | $53,505,000 | 4,080 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 151 |
| Cost of funding earning assets | 0.9412% | 2,005 |
| Net interest margin | 5.3140% | 148 |
| Noninterest income to average assets | 0.5532% | 2,454 |
| Noninterest expense to average assets | 4.6498% | 268 |
| Loan and lease loss provision to assets | 0.2188% | 890 |
| Net operating income to assets | 0.3276% | 4,715 |
| Return on assets (ROA) | 0.4281% | 4,576 |
| Pretax return on assets | 0.4281% | 4,666 |
| Return on Equity (ROE) | 3.3712% | 4,599 |
| Retained earnings to average equity (ytd only) | 3.3712% | 3,324 |
| Net charge-offs to loans | 0.0123% | 3,246 |
| Credit loss provision to net charge-offs | 2,683.3333% | 148 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 909 |
| Efficiency ratio | 87.3136% | 475 |
| Assets per employee ($millions) | 5.2053% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,117 |
| 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 | 65.8589% | 2,967 |
| Net loans and leases to deposits | 75.6239% | 3,215 |
| Net loans and leases to core deposits | 79.5575% | 3,337 |
| Total domestic deposits to total assets | 87.0874% | 1,560 |
| Equity capital to assets | 12.4771% | 1,829 |
| Core capital (leverage) ratio | 11.7920% | 1,899 |
| Tier 1 risk-based capital ratio | 13.6901% | 3,421 |
| Total risk-based capital ratio | 14.5029% | 3,537 |
| Memoranda: | ||
| Average total assets | $73,573,800 | 4,373 |
| Average earning assets | $64,283,000 | 4,434 |
| Average equity | $9,343,800 | 4,328 |
| Average total loans | $48,788,400 | 4,211 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1313% | 193 |
| Cost of funding earning assets | 0.8774% | 2,334 |
| Net interest margin | 5.2539% | 180 |
| Noninterest income to average assets | 0.5190% | 2,612 |
| Noninterest expense to average assets | 4.5751% | 283 |
| Loan and lease loss provision to assets | 0.2595% | 615 |
| Net operating income to assets | 0.2908% | 4,855 |
| Return on assets (ROA) | 0.3938% | 4,759 |
| Pretax return on assets | 0.3938% | 4,815 |
| Return on Equity (ROE) | 3.0866% | 4,753 |
| Retained earnings to average equity (ytd only) | 3.0866% | 3,856 |
| Net charge-offs to loans | 0.0306% | 2,462 |
| Credit loss provision to net charge-offs | 1,281.8182% | 286 |
| Earnings coverage of net charge-offs (x) | 27.1752% | 1,720 |
| Efficiency ratio | 87.0377% | 450 |
| Assets per employee ($millions) | 5.2691% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,505 |
| 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 | 65.5971% | 3,101 |
| Net loans and leases to deposits | 75.0260% | 3,384 |
| Net loans and leases to core deposits | 77.0726% | 3,623 |
| Total domestic deposits to total assets | 87.4325% | 1,290 |
| Equity capital to assets | 12.2095% | 2,105 |
| Core capital (leverage) ratio | 11.8772% | 1,939 |
| Tier 1 risk-based capital ratio | 14.0657% | 3,293 |
| Total risk-based capital ratio | 14.8770% | 3,420 |
| Memoranda: | ||
| Average total assets | $72,447,500 | 4,446 |
| Average earning assets | $63,519,750 | 4,499 |
| Average equity | $9,244,250 | 4,384 |
| Average total loans | $47,991,250 | 4,275 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9760% | 244 |
| Cost of funding earning assets | 0.7893% | 2,696 |
| Net interest margin | 5.1867% | 204 |
| Noninterest income to average assets | 0.5552% | 2,361 |
| Noninterest expense to average assets | 4.5779% | 285 |
| Loan and lease loss provision to assets | 0.2733% | 547 |
| Net operating income to assets | 0.2875% | 4,889 |
| Return on assets (ROA) | 0.3075% | 4,877 |
| Pretax return on assets | 0.3075% | 4,928 |
| Return on Equity (ROE) | 2.3713% | 4,894 |
| Retained earnings to average equity (ytd only) | 2.3713% | 3,996 |
| Net charge-offs to loans | 0.0387% | 2,113 |
| Credit loss provision to net charge-offs | 1,066.6667% | 325 |
| Earnings coverage of net charge-offs (x) | 21.8889% | 1,714 |
| Efficiency ratio | 86.8144% | 502 |
| Assets per employee ($millions) | 5.0730% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,608 |
| Loan loss allowance to noncurrent loans | 547.1910% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 4,175 |
| Noncurrent loans to loans | 0.1830% | 3,902 |
| Net loans and leases to total assets | 63.2788% | 3,421 |
| Net loans and leases to deposits | 72.5563% | 3,634 |
| Net loans and leases to core deposits | 73.7385% | 3,908 |
| Total domestic deposits to total assets | 87.2134% | 1,490 |
| Equity capital to assets | 12.6014% | 1,797 |
| Core capital (leverage) ratio | 12.8188% | 1,392 |
| Tier 1 risk-based capital ratio | 14.0171% | 3,313 |
| Total risk-based capital ratio | 14.7733% | 3,468 |
| Memoranda: | ||
| Average total assets | $70,251,000 | 4,513 |
| Average earning assets | $62,081,330 | 4,565 |
| Average equity | $9,109,000 | 4,421 |
| Average total loans | $46,529,670 | 4,325 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1911% | 161 |
| Cost of funding earning assets | 0.7596% | 2,741 |
| Net interest margin | 5.4315% | 140 |
| Noninterest income to average assets | 0.6654% | 1,749 |
| Noninterest expense to average assets | 4.7468% | 249 |
| Loan and lease loss provision to assets | 0.4278% | 265 |
| Net operating income to assets | 0.2911% | 4,912 |
| Return on assets (ROA) | 0.3327% | 4,869 |
| Pretax return on assets | 0.3327% | 4,922 |
| Return on Equity (ROE) | 2.5257% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.5257% | 3,916 |
| Net charge-offs to loans | 0.0704% | 1,354 |
| Credit loss provision to net charge-offs | 900.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 15.1250% | 1,757 |
| Efficiency ratio | 84.5652% | 667 |
| Assets per employee ($millions) | 4.4850% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,595 |
| Loan loss allowance to noncurrent loans | 154.1528% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 2,530 |
| Noncurrent loans to loans | 0.6596% | 2,366 |
| Net loans and leases to total assets | 67.1379% | 2,880 |
| Net loans and leases to deposits | 77.6826% | 3,095 |
| Net loans and leases to core deposits | 79.1224% | 3,441 |
| Total domestic deposits to total assets | 86.4259% | 2,103 |
| Equity capital to assets | 13.4047% | 1,245 |
| Core capital (leverage) ratio | 12.5088% | 1,507 |
| Tier 1 risk-based capital ratio | 14.8638% | 2,933 |
| Total risk-based capital ratio | 15.6737% | 3,065 |
| Memoranda: | ||
| Average total assets | $67,329,000 | 4,611 |
| Average earning assets | $59,505,000 | 4,664 |
| Average equity | $8,869,000 | 4,489 |
| Average total loans | $45,475,000 | 4,399 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 1,051 |
| Cost of funding earning assets | 0.4673% | 3,568 |
| Net interest margin | 4.5300% | 722 |
| Noninterest income to average assets | 0.6062% | 2,257 |
| Noninterest expense to average assets | 4.4641% | 310 |
| Loan and lease loss provision to assets | 0.6424% | 170 |
| Net operating income to assets | -0.4094% | 5,312 |
| Return on assets (ROA) | -0.3354% | 5,297 |
| Pretax return on assets | -0.3354% | 5,292 |
| Return on Equity (ROE) | -3.3645% | 5,295 |
| Retained earnings to average equity (ytd only) | -3.3645% | 5,192 |
| Net charge-offs to loans | 0.0223% | 2,976 |
| Credit loss provision to net charge-offs | 5,100.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 2,127 |
| Efficiency ratio | 92.9601% | 260 |
| Assets per employee ($millions) | 4.4922% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 4,238 |
| Loan loss allowance to noncurrent loans | 107.8167% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 2,402 |
| Noncurrent loans to loans | 0.8186% | 1,971 |
| Net loans and leases to total assets | 66.6622% | 3,044 |
| Net loans and leases to deposits | 76.9227% | 3,282 |
| Net loans and leases to core deposits | 77.9303% | 3,587 |
| Total domestic deposits to total assets | 86.6613% | 1,938 |
| Equity capital to assets | 12.9409% | 1,376 |
| Core capital (leverage) ratio | 12.3425% | 1,542 |
| Tier 1 risk-based capital ratio | 15.1453% | 2,757 |
| Total risk-based capital ratio | 15.8834% | 2,924 |
| Memoranda: | ||
| Average total assets | $63,507,200 | 4,694 |
| Average earning assets | $57,350,800 | 4,725 |
| Average equity | $6,330,800 | 4,845 |
| Average total loans | $35,848,600 | 4,667 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,176 |
| Cost of funding earning assets | 0.3693% | 4,056 |
| Net interest margin | 4.1637% | 1,456 |
| Noninterest income to average assets | 0.3049% | 4,109 |
| Noninterest expense to average assets | 4.2085% | 394 |
| Loan and lease loss provision to assets | 0.4285% | 290 |
| Net operating income to assets | -0.5586% | 5,393 |
| Return on assets (ROA) | -0.5586% | 5,388 |
| Pretax return on assets | -0.5586% | 5,388 |
| Return on Equity (ROE) | -6.0926% | 5,398 |
| Retained earnings to average equity (ytd only) | -6.0926% | 5,334 |
| Net charge-offs to loans | 0.0319% | 2,451 |
| Credit loss provision to net charge-offs | 2,512.5000% | 166 |
| Earnings coverage of net charge-offs (x) | -7.6223% | 3,464 |
| Efficiency ratio | 101.0455% | 140 |
| Assets per employee ($millions) | 4.4009% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5024% | 5,186 |
| Loan loss allowance to noncurrent loans | 48.1297% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.7800% | 661 |
| Noncurrent loans to loans | 1.0438% | 1,635 |
| Net loans and leases to total assets | 57.9053% | 4,054 |
| Net loans and leases to deposits | 66.6126% | 4,156 |
| Net loans and leases to core deposits | 67.4972% | 4,322 |
| Total domestic deposits to total assets | 86.9283% | 1,763 |
| Equity capital to assets | 13.0293% | 1,322 |
| Core capital (leverage) ratio | 13.3461% | 1,156 |
| Tier 1 risk-based capital ratio | 17.9472% | 1,806 |
| Total risk-based capital ratio | 18.3711% | 1,995 |
| Memoranda: | ||
| Average total assets | $62,538,250 | 4,759 |
| Average earning assets | $56,679,500 | 4,786 |
| Average equity | $5,733,500 | 4,998 |
| Average total loans | $33,481,000 | 4,782 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 4,786 |
| Cost of funding earning assets | 0.2668% | 4,660 |
| Net interest margin | 3.3186% | 4,197 |
| Noninterest income to average assets | 0.2835% | 4,287 |
| Noninterest expense to average assets | 3.8775% | 620 |
| Loan and lease loss provision to assets | 0.3747% | 333 |
| Net operating income to assets | -0.9286% | 5,471 |
| Return on assets (ROA) | -0.9286% | 5,465 |
| Pretax return on assets | -0.9286% | 5,465 |
| Return on Equity (ROE) | -11.9305% | 5,480 |
| Retained earnings to average equity (ytd only) | -11.9305% | 5,436 |
| Net charge-offs to loans | 0.0754% | 1,573 |
| Credit loss provision to net charge-offs | 958.3333% | 423 |
| Earnings coverage of net charge-offs (x) | -14.1667% | 3,189 |
| Efficiency ratio | 114.6078% | 80 |
| Assets per employee ($millions) | 3.9995% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3025% | 5,414 |
| Loan loss allowance to noncurrent loans | 20.7243% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.1186% | 486 |
| Noncurrent loans to loans | 1.4597% | 1,156 |
| Net loans and leases to total assets | 56.5825% | 4,114 |
| Net loans and leases to deposits | 66.1941% | 4,156 |
| Net loans and leases to core deposits | 67.1753% | 4,303 |
| Total domestic deposits to total assets | 85.4797% | 2,507 |
| Equity capital to assets | 14.3152% | 858 |
| Core capital (leverage) ratio | 13.5943% | 1,037 |
| Tier 1 risk-based capital ratio | 16.9111% | 2,128 |
| Total risk-based capital ratio | 17.1268% | 2,426 |
| Memoranda: | ||
| Average total assets | $61,380,000 | 4,845 |
| Average earning assets | $56,228,330 | 4,853 |
| Average equity | $4,777,670 | 5,197 |
| Average total loans | $31,835,330 | 4,878 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5427% | 4,802 |
| Cost of funding earning assets | 0.5719% | 2,244 |
| Net interest margin | 2.9709% | 4,915 |
| Noninterest income to average assets | 0.7153% | 1,763 |
| Noninterest expense to average assets | 5.2131% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.7527% | 5,562 |
| Return on assets (ROA) | -1.7527% | 5,560 |
| Pretax return on assets | -1.7527% | 5,559 |
| Return on Equity (ROE) | -37.8764% | 5,587 |
| Retained earnings to average equity (ytd only) | -37.8764% | 5,572 |
| Net charge-offs to loans | -0.1302% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.6518% | 32 |
| Assets per employee ($millions) | 4.5436% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4781% | 91 |
| Loan loss allowance to noncurrent loans | 79.7468% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 4.0144% | 158 |
| Noncurrent loans to loans | 4.3614% | 209 |
| Net loans and leases to total assets | 43.6101% | 4,915 |
| Net loans and leases to deposits | 45.4520% | 5,116 |
| Net loans and leases to core deposits | 45.9765% | 5,161 |
| Total domestic deposits to total assets | 95.9474% | 4 |
| Equity capital to assets | 3.9968% | 5,596 |
| Core capital (leverage) ratio | 5.1554% | 5,590 |
| Tier 1 risk-based capital ratio | 8.8528% | 5,580 |
| Total risk-based capital ratio | 10.1271% | 5,579 |
| Memoranda: | ||
| Average total assets | $62,074,000 | 4,890 |
| Average earning assets | $57,357,000 | 4,889 |
| Average equity | $2,872,500 | 5,479 |
| Average total loans | $30,729,000 | 4,957 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,266 |
| Cost of funding earning assets | 0.6384% | 1,363 |
| Net interest margin | 3.6801% | 2,880 |
| Noninterest income to average assets | 0.2118% | 4,883 |
| Noninterest expense to average assets | 4.6910% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.1980% | 5,613 |
| Return on assets (ROA) | -1.2112% | 5,612 |
| Pretax return on assets | -1.2112% | 5,616 |
| Return on Equity (ROE) | -21.2729% | 5,645 |
| Retained earnings to average equity (ytd only) | -21.2729% | 5,624 |
| Net charge-offs to loans | -0.6965% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.2965% | 39 |
| Assets per employee ($millions) | 3.7329% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4567% | 91 |
| Loan loss allowance to noncurrent loans | 99.2509% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 4.4130% | 124 |
| Noncurrent loans to loans | 3.4828% | 290 |
| Net loans and leases to total assets | 52.8717% | 4,452 |
| Net loans and leases to deposits | 55.9271% | 4,803 |
| Net loans and leases to core deposits | 56.7233% | 4,900 |
| Total domestic deposits to total assets | 94.5369% | 8 |
| Equity capital to assets | 5.3952% | 5,643 |
| Core capital (leverage) ratio | 5.7084% | 5,640 |
| Tier 1 risk-based capital ratio | 9.7433% | 5,577 |
| Total risk-based capital ratio | 11.0192% | 5,539 |
| Memoranda: | ||
| Average total assets | $60,435,000 | 4,956 |
| Average earning assets | $53,885,000 | 5,001 |
| Average equity | $3,441,000 | 5,486 |
| Average total loans | $35,752,600 | 4,854 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 2,018 |
| Cost of funding earning assets | 0.6444% | 1,280 |
| Net interest margin | 3.7345% | 2,640 |
| Noninterest income to average assets | 0.2513% | 4,707 |
| Noninterest expense to average assets | 4.6360% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.0702% | 5,673 |
| Return on assets (ROA) | -1.1742% | 5,683 |
| Pretax return on assets | -1.1742% | 5,678 |
| Return on Equity (ROE) | -20.3793% | 5,710 |
| Retained earnings to average equity (ytd only) | -20.3793% | 5,679 |
| Net charge-offs to loans | -0.7022% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.0122% | 49 |
| Assets per employee ($millions) | 3.7307% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2351% | 122 |
| Loan loss allowance to noncurrent loans | 92.1245% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 4.7765% | 117 |
| Noncurrent loans to loans | 3.5117% | 312 |
| Net loans and leases to total assets | 53.7696% | 4,431 |
| Net loans and leases to deposits | 57.2565% | 4,804 |
| Net loans and leases to core deposits | 58.0742% | 4,913 |
| Total domestic deposits to total assets | 93.9100% | 14 |
| Equity capital to assets | 5.9810% | 5,701 |
| Core capital (leverage) ratio | 5.6492% | 5,709 |
| Tier 1 risk-based capital ratio | 10.0705% | 5,584 |
| Total risk-based capital ratio | 11.3934% | 5,522 |
| Memoranda: | ||
| Average total assets | $61,545,250 | 4,987 |
| Average earning assets | $54,624,500 | 5,038 |
| Average equity | $3,546,000 | 5,538 |
| Average total loans | $37,024,500 | 4,870 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 1,713 |
| Cost of funding earning assets | 0.6424% | 1,194 |
| Net interest margin | 3.7931% | 2,311 |
| Noninterest income to average assets | 0.0347% | 5,676 |
| Noninterest expense to average assets | 4.5106% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.1418% | 5,725 |
| Return on assets (ROA) | -1.2964% | 5,732 |
| Pretax return on assets | -1.2964% | 5,732 |
| Return on Equity (ROE) | -22.7554% | 5,761 |
| Retained earnings to average equity (ytd only) | -22.7554% | 5,730 |
| Net charge-offs to loans | -1.0974% | 5,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8951% | 43 |
| Assets per employee ($millions) | 4.0841% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1508% | 136 |
| Loan loss allowance to noncurrent loans | 91.8459% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 4.4172% | 145 |
| Noncurrent loans to loans | 3.4306% | 340 |
| Net loans and leases to total assets | 51.4291% | 4,617 |
| Net loans and leases to deposits | 54.6003% | 4,927 |
| Net loans and leases to core deposits | 55.3067% | 5,031 |
| Total domestic deposits to total assets | 94.1921% | 11 |
| Equity capital to assets | 5.6806% | 5,752 |
| Core capital (leverage) ratio | 5.8222% | 5,749 |
| Tier 1 risk-based capital ratio | 10.0426% | 5,617 |
| Total risk-based capital ratio | 11.3112% | 5,562 |
| Memoranda: | ||
| Average total assets | $63,406,670 | 4,985 |
| Average earning assets | $55,732,330 | 5,053 |
| Average equity | $3,612,330 | 5,575 |
| Average total loans | $39,000,670 | 4,847 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 1,129 |
| Cost of funding earning assets | 0.6730% | 968 |
| Net interest margin | 3.9320% | 1,667 |
| Noninterest income to average assets | 0.3536% | 4,010 |
| Noninterest expense to average assets | 4.2494% | 408 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4529% | 5,734 |
| Return on assets (ROA) | -0.7568% | 5,767 |
| Pretax return on assets | -0.7568% | 5,757 |
| Return on Equity (ROE) | -13.2663% | 5,793 |
| Retained earnings to average equity (ytd only) | -13.2663% | 5,642 |
| Net charge-offs to loans | -0.8808% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9281% | 110 |
| Assets per employee ($millions) | 4.1844% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1909% | 481 |
| Loan loss allowance to noncurrent loans | 72.7273% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 4.5136% | 146 |
| Noncurrent loans to loans | 3.0125% | 459 |
| Net loans and leases to total assets | 64.2991% | 3,230 |
| Net loans and leases to deposits | 68.8233% | 3,908 |
| Net loans and leases to core deposits | 69.6957% | 4,168 |
| Total domestic deposits to total assets | 93.4264% | 28 |
| Equity capital to assets | 5.8407% | 5,815 |
| Core capital (leverage) ratio | 5.8360% | 5,810 |
| Tier 1 risk-based capital ratio | 9.8079% | 5,734 |
| Total risk-based capital ratio | 11.0693% | 5,712 |
| Memoranda: | ||
| Average total assets | $64,479,500 | 5,021 |
| Average earning assets | $56,460,500 | 5,090 |
| Average equity | $3,678,500 | 5,622 |
| Average total loans | $42,235,500 | 4,781 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 2,990 |
| Cost of funding earning assets | 0.8548% | 377 |
| Net interest margin | 3.2050% | 4,444 |
| Noninterest income to average assets | 0.3494% | 4,232 |
| Noninterest expense to average assets | 3.9797% | 619 |
| Loan and lease loss provision to assets | 0.1579% | 1,574 |
| Net operating income to assets | -0.9211% | 5,831 |
| Return on assets (ROA) | -0.8553% | 5,828 |
| Pretax return on assets | -0.8553% | 5,821 |
| Return on Equity (ROE) | -14.1427% | 5,857 |
| Retained earnings to average equity (ytd only) | -14.1427% | 5,819 |
| Net charge-offs to loans | 0.7693% | 269 |
| Credit loss provision to net charge-offs | 31.4869% | 3,577 |
| Earnings coverage of net charge-offs (x) | -1.5219% | 4,184 |
| Efficiency ratio | 123.7273% | 78 |
| Assets per employee ($millions) | 4.4129% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 838 |
| Loan loss allowance to noncurrent loans | 59.2268% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 4.4597% | 157 |
| Noncurrent loans to loans | 3.1730% | 408 |
| Net loans and leases to total assets | 64.0506% | 3,353 |
| Net loans and leases to deposits | 70.0835% | 3,894 |
| Net loans and leases to core deposits | 71.3454% | 4,125 |
| Total domestic deposits to total assets | 91.3918% | 186 |
| Equity capital to assets | 5.5761% | 5,864 |
| Core capital (leverage) ratio | 6.0684% | 5,855 |
| Tier 1 risk-based capital ratio | 9.5197% | 5,814 |
| Total risk-based capital ratio | 10.7765% | 5,802 |
| Memoranda: | ||
| Average total assets | $68,396,600 | 4,969 |
| Average earning assets | $61,184,800 | 4,993 |
| Average equity | $4,136,400 | 5,622 |
| Average total loans | $44,586,800 | 4,727 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 2,996 |
| Cost of funding earning assets | 0.9276% | 253 |
| Net interest margin | 3.1358% | 4,683 |
| Noninterest income to average assets | 0.3578% | 4,219 |
| Noninterest expense to average assets | 3.9140% | 661 |
| Loan and lease loss provision to assets | 0.2089% | 1,012 |
| Net operating income to assets | -0.9476% | 5,900 |
| Return on assets (ROA) | -0.8605% | 5,897 |
| Pretax return on assets | -0.8605% | 5,892 |
| Return on Equity (ROE) | -13.9679% | 5,923 |
| Retained earnings to average equity (ytd only) | -13.9679% | 5,885 |
| Net charge-offs to loans | 1.0416% | 159 |
| Credit loss provision to net charge-offs | 30.7692% | 3,221 |
| Earnings coverage of net charge-offs (x) | -1.0883% | 3,856 |
| Efficiency ratio | 123.2643% | 73 |
| Assets per employee ($millions) | 4.2994% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 805 |
| Loan loss allowance to noncurrent loans | 55.3030% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 4.7402% | 156 |
| Noncurrent loans to loans | 3.4964% | 367 |
| Net loans and leases to total assets | 63.1483% | 3,501 |
| Net loans and leases to deposits | 70.3137% | 3,960 |
| Net loans and leases to core deposits | 71.6321% | 4,187 |
| Total domestic deposits to total assets | 89.8094% | 553 |
| Equity capital to assets | 6.3761% | 5,921 |
| Core capital (leverage) ratio | 6.1876% | 5,923 |
| Tier 1 risk-based capital ratio | 10.0572% | 5,772 |
| Total risk-based capital ratio | 11.3156% | 5,724 |
| Memoranda: | ||
| Average total assets | $68,947,500 | 4,997 |
| Average earning assets | $61,950,500 | 5,023 |
| Average equity | $4,247,750 | 5,662 |
| Average total loans | $44,931,250 | 4,756 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,028 |
| Cost of funding earning assets | 1.0234% | 150 |
| Net interest margin | 3.0357% | 5,005 |
| Noninterest income to average assets | 0.2953% | 4,666 |
| Noninterest expense to average assets | 3.9555% | 626 |
| Loan and lease loss provision to assets | 0.3067% | 570 |
| Net operating income to assets | -1.2210% | 5,986 |
| Return on assets (ROA) | -1.0932% | 5,984 |
| Pretax return on assets | -1.0932% | 5,976 |
| Return on Equity (ROE) | -17.9362% | 6,007 |
| Retained earnings to average equity (ytd only) | -17.9362% | 5,958 |
| Net charge-offs to loans | 1.5152% | 95 |
| Credit loss provision to net charge-offs | 30.9456% | 2,850 |
| Earnings coverage of net charge-offs (x) | -0.9226% | 3,584 |
| Efficiency ratio | 130.0654% | 66 |
| Assets per employee ($millions) | 4.4705% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 932 |
| Loan loss allowance to noncurrent loans | 43.0637% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 5.5401% | 116 |
| Noncurrent loans to loans | 4.3663% | 250 |
| Net loans and leases to total assets | 62.5662% | 3,558 |
| Net loans and leases to deposits | 69.5552% | 4,025 |
| Net loans and leases to core deposits | 71.6041% | 4,214 |
| Total domestic deposits to total assets | 89.9518% | 506 |
| Equity capital to assets | 6.1903% | 6,008 |
| Core capital (leverage) ratio | 5.9682% | 6,006 |
| Tier 1 risk-based capital ratio | 9.8438% | 5,890 |
| Total risk-based capital ratio | 11.1010% | 5,851 |
| Memoranda: | ||
| Average total assets | $70,433,000 | 5,014 |
| Average earning assets | $63,708,670 | 5,035 |
| Average equity | $4,293,000 | 5,719 |
| Average total loans | $46,065,670 | 4,765 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 2,811 |
| Cost of funding earning assets | 0.9770% | 195 |
| Net interest margin | 3.1337% | 4,769 |
| Noninterest income to average assets | 0.2551% | 4,914 |
| Noninterest expense to average assets | 3.8990% | 686 |
| Loan and lease loss provision to assets | 0.5990% | 181 |
| Net operating income to assets | -1.4143% | 6,052 |
| Return on assets (ROA) | -1.2313% | 6,047 |
| Pretax return on assets | -1.2313% | 6,037 |
| Return on Equity (ROE) | -20.3483% | 6,071 |
| Retained earnings to average equity (ytd only) | -20.3483% | 5,970 |
| Net charge-offs to loans | 0.9891% | 189 |
| Credit loss provision to net charge-offs | 91.5254% | 1,753 |
| Earnings coverage of net charge-offs (x) | -1.2458% | 3,010 |
| Efficiency ratio | 126.4388% | 80 |
| Assets per employee ($millions) | 4.1928% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2457% | 557 |
| Loan loss allowance to noncurrent loans | 32.6808% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 6.6584% | 99 |
| Noncurrent loans to loans | 6.8715% | 106 |
| Net loans and leases to total assets | 63.2088% | 3,354 |
| Net loans and leases to deposits | 72.7558% | 3,575 |
| Net loans and leases to core deposits | 74.8356% | 3,808 |
| Total domestic deposits to total assets | 86.8781% | 2,260 |
| Equity capital to assets | 6.0103% | 6,071 |
| Core capital (leverage) ratio | 5.5596% | 6,076 |
| Tier 1 risk-based capital ratio | 9.7866% | 5,953 |
| Total risk-based capital ratio | 11.0486% | 5,923 |
| Memoranda: | ||
| Average total assets | $72,121,000 | 5,020 |
| Average earning assets | $65,098,000 | 5,046 |
| Average equity | $4,364,000 | 5,750 |
| Average total loans | $47,719,000 | 4,744 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3187% | 2,160 |
| Cost of funding earning assets | 0.9492% | 222 |
| Net interest margin | 3.3694% | 4,039 |
| Noninterest income to average assets | 0.1579% | 5,632 |
| Noninterest expense to average assets | 3.8241% | 840 |
| Loan and lease loss provision to assets | 2.1854% | 29 |
| Net operating income to assets | -2.7665% | 6,157 |
| Return on assets (ROA) | -2.7241% | 6,158 |
| Pretax return on assets | -2.7241% | 6,158 |
| Return on Equity (ROE) | -36.2888% | 6,163 |
| Retained earnings to average equity (ytd only) | -36.2888% | 6,157 |
| Net charge-offs to loans | 3.0284% | 32 |
| Credit loss provision to net charge-offs | 107.0871% | 2,352 |
| Earnings coverage of net charge-offs (x) | -0.2848% | 4,291 |
| Efficiency ratio | 117.9214% | 98 |
| Assets per employee ($millions) | 4.5603% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1196% | 671 |
| Loan loss allowance to noncurrent loans | 33.8731% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 6.1003% | 130 |
| Noncurrent loans to loans | 6.2575% | 128 |
| Net loans and leases to total assets | 66.2011% | 2,956 |
| Net loans and leases to deposits | 76.1361% | 3,232 |
| Net loans and leases to core deposits | 78.2539% | 3,520 |
| Total domestic deposits to total assets | 86.9511% | 2,161 |
| Equity capital to assets | 6.0907% | 6,113 |
| Core capital (leverage) ratio | 6.0507% | 6,121 |
| Tier 1 risk-based capital ratio | 9.6815% | 6,023 |
| Total risk-based capital ratio | 10.9418% | 6,000 |
| Memoranda: | ||
| Average total assets | $75,364,800 | 4,960 |
| Average earning assets | $69,003,000 | 4,958 |
| Average equity | $5,657,400 | 5,515 |
| Average total loans | $50,786,000 | 4,644 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,186 |
| Cost of funding earning assets | 0.9368% | 241 |
| Net interest margin | 3.3765% | 4,047 |
| Noninterest income to average assets | 0.2949% | 4,833 |
| Noninterest expense to average assets | 3.6806% | 1,006 |
| Loan and lease loss provision to assets | 1.8447% | 23 |
| Net operating income to assets | -2.1430% | 6,232 |
| Return on assets (ROA) | -2.1430% | 6,233 |
| Pretax return on assets | -2.1430% | 6,231 |
| Return on Equity (ROE) | -27.3113% | 6,238 |
| Retained earnings to average equity (ytd only) | -27.3113% | 6,227 |
| Net charge-offs to loans | 2.5886% | 40 |
| Credit loss provision to net charge-offs | 105.8409% | 2,175 |
| Earnings coverage of net charge-offs (x) | -0.1712% | 4,004 |
| Efficiency ratio | 108.8220% | 160 |
| Assets per employee ($millions) | 4.3830% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9617% | 973 |
| Loan loss allowance to noncurrent loans | 25.3507% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 7.1291% | 106 |
| Noncurrent loans to loans | 7.7382% | 76 |
| Net loans and leases to total assets | 66.6707% | 2,901 |
| Net loans and leases to deposits | 77.5852% | 3,142 |
| Net loans and leases to core deposits | 80.1164% | 3,417 |
| Total domestic deposits to total assets | 85.9323% | 2,565 |
| Equity capital to assets | 7.1828% | 6,122 |
| Core capital (leverage) ratio | 7.0326% | 6,125 |
| Tier 1 risk-based capital ratio | 10.8356% | 5,740 |
| Total risk-based capital ratio | 12.0946% | 5,665 |
| Memoranda: | ||
| Average total assets | $75,965,000 | 5,005 |
| Average earning assets | $69,458,000 | 5,009 |
| Average equity | $5,960,750 | 5,508 |
| Average total loans | $51,145,250 | 4,678 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,524 |
| Cost of funding earning assets | 0.9259% | 253 |
| Net interest margin | 3.2807% | 4,371 |
| Noninterest income to average assets | 0.1334% | 5,890 |
| Noninterest expense to average assets | 3.4742% | 1,336 |
| Loan and lease loss provision to assets | 2.0013% | 23 |
| Net operating income to assets | -2.3388% | 6,313 |
| Return on assets (ROA) | -2.3388% | 6,314 |
| Pretax return on assets | -2.3388% | 6,312 |
| Return on Equity (ROE) | -29.0087% | 6,314 |
| Retained earnings to average equity (ytd only) | -29.0087% | 6,299 |
| Net charge-offs to loans | 0.9200% | 224 |
| Credit loss provision to net charge-offs | 324.1525% | 880 |
| Earnings coverage of net charge-offs (x) | -0.5466% | 3,752 |
| Efficiency ratio | 110.7590% | 164 |
| Assets per employee ($millions) | 4.5204% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8326% | 326 |
| Loan loss allowance to noncurrent loans | 33.8256% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 7.3002% | 114 |
| Noncurrent loans to loans | 8.3742% | 75 |
| Net loans and leases to total assets | 65.4391% | 3,061 |
| Net loans and leases to deposits | 76.0350% | 3,266 |
| Net loans and leases to core deposits | 78.8077% | 3,503 |
| Total domestic deposits to total assets | 86.0645% | 2,667 |
| Equity capital to assets | 7.3275% | 6,140 |
| Core capital (leverage) ratio | 7.3577% | 6,129 |
| Tier 1 risk-based capital ratio | 11.1508% | 5,643 |
| Total risk-based capital ratio | 12.4208% | 5,553 |
| Memoranda: | ||
| Average total assets | $76,449,670 | 5,047 |
| Average earning assets | $69,985,330 | 5,043 |
| Average equity | $6,163,670 | 5,513 |
| Average total loans | $51,303,330 | 4,714 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 2,528 |
| Cost of funding earning assets | 0.9118% | 271 |
| Net interest margin | 3.2687% | 4,349 |
| Noninterest income to average assets | 0.4826% | 3,402 |
| Noninterest expense to average assets | 3.2682% | 1,800 |
| Loan and lease loss provision to assets | 1.2433% | 56 |
| Net operating income to assets | -1.0387% | 6,325 |
| Return on assets (ROA) | -1.0387% | 6,328 |
| Pretax return on assets | -1.0387% | 6,316 |
| Return on Equity (ROE) | -12.3173% | 6,331 |
| Retained earnings to average equity (ytd only) | -12.3173% | 6,183 |
| Net charge-offs to loans | 1.1747% | 192 |
| Credit loss provision to net charge-offs | 158.0000% | 1,211 |
| Earnings coverage of net charge-offs (x) | 0.2600% | 3,079 |
| Efficiency ratio | 94.1088% | 592 |
| Assets per employee ($millions) | 4.7871% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 1,070 |
| Loan loss allowance to noncurrent loans | 25.2281% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 7.2525% | 121 |
| Noncurrent loans to loans | 7.9426% | 105 |
| Net loans and leases to total assets | 65.3197% | 2,875 |
| Net loans and leases to deposits | 76.7806% | 2,961 |
| Net loans and leases to core deposits | 79.9460% | 3,169 |
| Total domestic deposits to total assets | 85.0732% | 3,368 |
| Equity capital to assets | 8.3022% | 5,868 |
| Core capital (leverage) ratio | 8.4569% | 5,565 |
| Tier 1 risk-based capital ratio | 11.9544% | 5,270 |
| Total risk-based capital ratio | 13.2115% | 5,157 |
| Memoranda: | ||
| Average total assets | $76,251,000 | 5,103 |
| Average earning assets | $69,752,000 | 5,098 |
| Average equity | $6,430,000 | 5,509 |
| Average total loans | $51,078,000 | 4,759 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,692 |
| Cost of funding earning assets | 0.9158% | 354 |
| Net interest margin | 3.6351% | 3,269 |
| Noninterest income to average assets | 0.6601% | 2,504 |
| Noninterest expense to average assets | 4.2903% | 546 |
| Loan and lease loss provision to assets | 0.8910% | 136 |
| Net operating income to assets | -1.2385% | 6,405 |
| Return on assets (ROA) | -1.2385% | 6,407 |
| Pretax return on assets | -1.2277% | 6,397 |
| Return on Equity (ROE) | -14.9362% | 6,413 |
| Retained earnings to average equity (ytd only) | -14.9362% | 6,384 |
| Net charge-offs to loans | 2.6883% | 49 |
| Credit loss provision to net charge-offs | 50.4768% | 3,471 |
| Earnings coverage of net charge-offs (x) | -0.1907% | 4,731 |
| Efficiency ratio | 108.5158% | 237 |
| Assets per employee ($millions) | 4.4652% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 1,467 |
| Loan loss allowance to noncurrent loans | 24.4259% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 7.0664% | 145 |
| Noncurrent loans to loans | 7.4987% | 126 |
| Net loans and leases to total assets | 66.0879% | 2,865 |
| Net loans and leases to deposits | 77.9847% | 2,976 |
| Net loans and leases to core deposits | 81.2326% | 3,176 |
| Total domestic deposits to total assets | 84.7447% | 3,397 |
| Equity capital to assets | 8.5643% | 5,678 |
| Core capital (leverage) ratio | 8.2383% | 5,831 |
| Tier 1 risk-based capital ratio | 12.6904% | 4,923 |
| Total risk-based capital ratio | 13.9476% | 4,833 |
| Memoranda: | ||
| Average total assets | $83,163,800 | 4,982 |
| Average earning assets | $75,347,800 | 5,013 |
| Average equity | $6,896,000 | 5,439 |
| Average total loans | $54,607,200 | 4,668 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,598 |
| Cost of funding earning assets | 0.9052% | 408 |
| Net interest margin | 3.6831% | 3,094 |
| Noninterest income to average assets | 0.8645% | 1,643 |
| Noninterest expense to average assets | 3.9460% | 801 |
| Loan and lease loss provision to assets | 1.1563% | 84 |
| Net operating income to assets | -0.9053% | 6,450 |
| Return on assets (ROA) | -0.9053% | 6,450 |
| Pretax return on assets | -0.9053% | 6,439 |
| Return on Equity (ROE) | -10.9984% | 6,454 |
| Retained earnings to average equity (ytd only) | -10.9984% | 6,393 |
| Net charge-offs to loans | 3.3811% | 24 |
| Credit loss provision to net charge-offs | 52.3810% | 3,066 |
| Earnings coverage of net charge-offs (x) | 0.1137% | 4,431 |
| Efficiency ratio | 94.0187% | 597 |
| Assets per employee ($millions) | 4.2000% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 1,456 |
| Loan loss allowance to noncurrent loans | 27.5728% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 5.3250% | 300 |
| Noncurrent loans to loans | 6.8823% | 175 |
| Net loans and leases to total assets | 61.1750% | 3,602 |
| Net loans and leases to deposits | 73.2739% | 3,523 |
| Net loans and leases to core deposits | 76.0557% | 3,733 |
| Total domestic deposits to total assets | 83.4881% | 3,951 |
| Equity capital to assets | 8.0738% | 6,095 |
| Core capital (leverage) ratio | 8.2541% | 5,882 |
| Tier 1 risk-based capital ratio | 13.2041% | 4,724 |
| Total risk-based capital ratio | 14.4613% | 4,658 |
| Memoranda: | ||
| Average total assets | $84,977,750 | 4,996 |
| Average earning assets | $76,889,000 | 5,014 |
| Average equity | $6,994,750 | 5,464 |
| Average total loans | $55,483,500 | 4,675 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,347 |
| Cost of funding earning assets | 0.8998% | 432 |
| Net interest margin | 3.7703% | 2,663 |
| Noninterest income to average assets | 0.9425% | 1,349 |
| Noninterest expense to average assets | 4.0655% | 705 |
| Loan and lease loss provision to assets | 1.7256% | 44 |
| Net operating income to assets | -1.4396% | 6,570 |
| Return on assets (ROA) | -1.4396% | 6,568 |
| Pretax return on assets | -1.4396% | 6,553 |
| Return on Equity (ROE) | -17.3798% | 6,568 |
| Retained earnings to average equity (ytd only) | -17.3798% | 6,523 |
| Net charge-offs to loans | 0.8741% | 419 |
| Credit loss provision to net charge-offs | 297.9757% | 867 |
| Earnings coverage of net charge-offs (x) | 0.4939% | 4,034 |
| Efficiency ratio | 93.4267% | 673 |
| Assets per employee ($millions) | 3.1030% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9049% | 185 |
| Loan loss allowance to noncurrent loans | 52.8459% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 5.6903% | 286 |
| Noncurrent loans to loans | 7.3891% | 156 |
| Net loans and leases to total assets | 61.0101% | 3,565 |
| Net loans and leases to deposits | 70.6877% | 3,732 |
| Net loans and leases to core deposits | 73.6939% | 3,870 |
| Total domestic deposits to total assets | 86.3093% | 2,872 |
| Equity capital to assets | 7.8242% | 6,245 |
| Core capital (leverage) ratio | 8.1506% | 5,981 |
| Tier 1 risk-based capital ratio | 12.8430% | 5,011 |
| Total risk-based capital ratio | 14.1260% | 4,929 |
| Memoranda: | ||
| Average total assets | $85,303,670 | 5,035 |
| Average earning assets | $77,129,330 | 5,041 |
| Average equity | $7,065,670 | 5,473 |
| Average total loans | $56,517,670 | 4,672 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 1,654 |
| Cost of funding earning assets | 0.8980% | 460 |
| Net interest margin | 3.6493% | 3,065 |
| Noninterest income to average assets | 0.7573% | 1,924 |
| Noninterest expense to average assets | 4.1130% | 666 |
| Loan and lease loss provision to assets | 0.2366% | 934 |
| Net operating income to assets | -0.2840% | 6,390 |
| Return on assets (ROA) | -0.2840% | 6,392 |
| Pretax return on assets | -0.2840% | 6,384 |
| Return on Equity (ROE) | -3.3336% | 6,417 |
| Retained earnings to average equity (ytd only) | -3.3336% | 5,998 |
| Net charge-offs to loans | 0.3916% | 933 |
| Credit loss provision to net charge-offs | 89.2857% | 1,806 |
| Earnings coverage of net charge-offs (x) | -0.1786% | 3,447 |
| Efficiency ratio | 101.1641% | 442 |
| Assets per employee ($millions) | 2.9867% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9445% | 463 |
| Loan loss allowance to noncurrent loans | 38.8563% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 5.9610% | 287 |
| Noncurrent loans to loans | 7.5778% | 189 |
| Net loans and leases to total assets | 63.0979% | 3,057 |
| Net loans and leases to deposits | 73.5090% | 3,130 |
| Net loans and leases to core deposits | 76.9353% | 3,313 |
| Total domestic deposits to total assets | 85.8370% | 3,440 |
| Equity capital to assets | 8.3013% | 5,824 |
| Core capital (leverage) ratio | 8.8683% | 5,176 |
| Tier 1 risk-based capital ratio | 13.7174% | 4,526 |
| Total risk-based capital ratio | 14.9890% | 4,466 |
| Memoranda: | ||
| Average total assets | $84,513,500 | 5,101 |
| Average earning assets | $76,617,000 | 5,100 |
| Average equity | $7,199,500 | 5,468 |
| Average total loans | $57,195,500 | 4,678 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 1,579 |
| Cost of funding earning assets | 0.9139% | 687 |
| Net interest margin | 3.7836% | 2,714 |
| Noninterest income to average assets | 1.0068% | 1,383 |
| Noninterest expense to average assets | 4.2642% | 656 |
| Loan and lease loss provision to assets | 0.8581% | 235 |
| Net operating income to assets | -0.7048% | 6,546 |
| Return on assets (ROA) | -0.7048% | 6,548 |
| Pretax return on assets | -0.7048% | 6,538 |
| Return on Equity (ROE) | -7.9001% | 6,551 |
| Retained earnings to average equity (ytd only) | -7.9001% | 6,491 |
| Net charge-offs to loans | 1.3874% | 350 |
| Credit loss provision to net charge-offs | 88.0282% | 2,821 |
| Earnings coverage of net charge-offs (x) | 0.1573% | 5,029 |
| Efficiency ratio | 96.5294% | 615 |
| Assets per employee ($millions) | 2.5754% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8649% | 549 |
| Loan loss allowance to noncurrent loans | 38.0778% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 6.6045% | 270 |
| Noncurrent loans to loans | 7.5238% | 214 |
| Net loans and leases to total assets | 68.4568% | 2,270 |
| Net loans and leases to deposits | 80.4994% | 2,385 |
| Net loans and leases to core deposits | 84.8927% | 2,570 |
| Total domestic deposits to total assets | 85.0402% | 3,723 |
| Equity capital to assets | 8.7473% | 5,313 |
| Core capital (leverage) ratio | 9.0098% | 4,987 |
| Tier 1 risk-based capital ratio | 13.2717% | 4,807 |
| Total risk-based capital ratio | 14.5421% | 4,734 |
| Memoranda: | ||
| Average total assets | $87,402,400 | 5,039 |
| Average earning assets | $78,786,600 | 5,061 |
| Average equity | $7,797,400 | 5,396 |
| Average total loans | $61,411,800 | 4,566 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,636 |
| Cost of funding earning assets | 0.9119% | 769 |
| Net interest margin | 3.7729% | 2,736 |
| Noninterest income to average assets | 1.0844% | 1,246 |
| Noninterest expense to average assets | 3.9856% | 873 |
| Loan and lease loss provision to assets | 1.1250% | 129 |
| Net operating income to assets | -0.6287% | 6,636 |
| Return on assets (ROA) | -0.6287% | 6,644 |
| Pretax return on assets | -0.6287% | 6,629 |
| Return on Equity (ROE) | -7.0152% | 6,649 |
| Retained earnings to average equity (ytd only) | -7.0152% | 6,572 |
| Net charge-offs to loans | 1.1760% | 464 |
| Credit loss provision to net charge-offs | 136.2477% | 1,725 |
| Earnings coverage of net charge-offs (x) | 0.6011% | 4,658 |
| Efficiency ratio | 88.9262% | 1,087 |
| Assets per employee ($millions) | 2.6036% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2708% | 423 |
| Loan loss allowance to noncurrent loans | 49.1861% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 5.9210% | 413 |
| Noncurrent loans to loans | 6.6499% | 332 |
| Net loans and leases to total assets | 69.7146% | 2,012 |
| Net loans and leases to deposits | 81.9464% | 2,147 |
| Net loans and leases to core deposits | 86.3544% | 2,371 |
| Total domestic deposits to total assets | 85.0733% | 3,707 |
| Equity capital to assets | 8.8232% | 5,396 |
| Core capital (leverage) ratio | 9.1957% | 4,838 |
| Tier 1 risk-based capital ratio | 13.2466% | 4,949 |
| Total risk-based capital ratio | 14.5222% | 4,861 |
| Memoranda: | ||
| Average total assets | $88,649,500 | 5,058 |
| Average earning assets | $79,829,500 | 5,093 |
| Average equity | $7,944,500 | 5,406 |
| Average total loans | $62,244,250 | 4,574 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 1,798 |
| Cost of funding earning assets | 0.9061% | 871 |
| Net interest margin | 3.7101% | 2,917 |
| Noninterest income to average assets | 1.1479% | 1,154 |
| Noninterest expense to average assets | 3.8285% | 1,058 |
| Loan and lease loss provision to assets | 0.3472% | 964 |
| Net operating income to assets | 0.3141% | 5,551 |
| Return on assets (ROA) | 0.3141% | 5,702 |
| Pretax return on assets | 0.3141% | 5,837 |
| Return on Equity (ROE) | 3.4879% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.4879% | 4,100 |
| Net charge-offs to loans | 1.5371% | 339 |
| Credit loss provision to net charge-offs | 32.4380% | 3,547 |
| Earnings coverage of net charge-offs (x) | 0.6178% | 4,318 |
| Efficiency ratio | 85.2709% | 1,493 |
| Assets per employee ($millions) | 2.8288% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3789% | 1,118 |
| Loan loss allowance to noncurrent loans | 33.8987% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 6.5102% | 386 |
| Noncurrent loans to loans | 7.0178% | 343 |
| Net loans and leases to total assets | 67.3372% | 2,360 |
| Net loans and leases to deposits | 79.1990% | 2,435 |
| Net loans and leases to core deposits | 82.9261% | 2,705 |
| Total domestic deposits to total assets | 85.0227% | 3,881 |
| Equity capital to assets | 9.1866% | 5,009 |
| Core capital (leverage) ratio | 9.2838% | 4,567 |
| Tier 1 risk-based capital ratio | 13.8583% | 4,517 |
| Total risk-based capital ratio | 15.1232% | 4,480 |
| Memoranda: | ||
| Average total assets | $90,428,000 | 5,052 |
| Average earning assets | $81,452,330 | 5,071 |
| Average equity | $8,142,330 | 5,396 |
| Average total loans | $62,977,000 | 4,574 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 1,695 |
| Cost of funding earning assets | 0.9066% | 957 |
| Net interest margin | 3.7373% | 2,708 |
| Noninterest income to average assets | 1.0937% | 1,234 |
| Noninterest expense to average assets | 3.7213% | 1,216 |
| Loan and lease loss provision to assets | 0.3268% | 1,030 |
| Net operating income to assets | 0.4227% | 5,041 |
| Return on assets (ROA) | 0.4227% | 5,192 |
| Pretax return on assets | 0.4227% | 5,492 |
| Return on Equity (ROE) | 4.7401% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.7401% | 3,393 |
| Net charge-offs to loans | 0.5045% | 1,196 |
| Credit loss provision to net charge-offs | 92.5926% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.1235% | 3,122 |
| Efficiency ratio | 83.2359% | 1,864 |
| Assets per employee ($millions) | 2.8784% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7565% | 859 |
| Loan loss allowance to noncurrent loans | 39.2419% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 6.4429% | 467 |
| Noncurrent loans to loans | 7.0244% | 419 |
| Net loans and leases to total assets | 69.5831% | 1,735 |
| Net loans and leases to deposits | 81.7703% | 1,859 |
| Net loans and leases to core deposits | 85.6506% | 2,143 |
| Total domestic deposits to total assets | 85.0958% | 3,992 |
| Equity capital to assets | 9.2245% | 5,226 |
| Core capital (leverage) ratio | 8.9211% | 5,026 |
| Tier 1 risk-based capital ratio | 13.4541% | 4,907 |
| Total risk-based capital ratio | 14.7238% | 4,854 |
| Memoranda: | ||
| Average total assets | $91,795,500 | 5,056 |
| Average earning assets | $82,948,000 | 5,067 |
| Average equity | $8,185,500 | 5,438 |
| Average total loans | $64,221,000 | 4,559 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 961 |
| Cost of funding earning assets | 1.1755% | 647 |
| Net interest margin | 4.1063% | 1,978 |
| Noninterest income to average assets | 1.2114% | 1,072 |
| Noninterest expense to average assets | 4.2076% | 759 |
| Loan and lease loss provision to assets | 0.9169% | 484 |
| Net operating income to assets | -0.1977% | 6,377 |
| Return on assets (ROA) | 0.1228% | 6,105 |
| Pretax return on assets | 0.1228% | 6,118 |
| Return on Equity (ROE) | 1.4200% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.4200% | 5,164 |
| Net charge-offs to loans | 0.9906% | 1,101 |
| Credit loss provision to net charge-offs | 123.5624% | 2,301 |
| Earnings coverage of net charge-offs (x) | 0.9691% | 4,979 |
| Efficiency ratio | 85.4035% | 1,481 |
| Assets per employee ($millions) | 3.1454% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7325% | 893 |
| Loan loss allowance to noncurrent loans | 37.2363% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 6.2060% | 544 |
| Noncurrent loans to loans | 7.3383% | 420 |
| Net loans and leases to total assets | 66.5826% | 2,443 |
| Net loans and leases to deposits | 77.4459% | 2,593 |
| Net loans and leases to core deposits | 81.2161% | 2,859 |
| Total domestic deposits to total assets | 85.9730% | 3,370 |
| Equity capital to assets | 8.6264% | 5,933 |
| Core capital (leverage) ratio | 8.6286% | 5,427 |
| Tier 1 risk-based capital ratio | 13.0621% | 5,064 |
| Total risk-based capital ratio | 14.3250% | 5,003 |
| Memoranda: | ||
| Average total assets | $96,087,600 | 4,937 |
| Average earning assets | $86,940,400 | 4,940 |
| Average equity | $8,310,000 | 5,417 |
| Average total loans | $71,974,600 | 4,282 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4262% | 789 |
| Cost of funding earning assets | 1.2355% | 588 |
| Net interest margin | 4.1907% | 1,766 |
| Noninterest income to average assets | 1.2004% | 1,051 |
| Noninterest expense to average assets | 4.2519% | 685 |
| Loan and lease loss provision to assets | 1.1673% | 315 |
| Net operating income to assets | -0.4282% | 6,661 |
| Return on assets (ROA) | -0.0304% | 6,442 |
| Pretax return on assets | -0.0304% | 6,424 |
| Return on Equity (ROE) | -0.3512% | 6,446 |
| Retained earnings to average equity (ytd only) | -0.3512% | 6,150 |
| Net charge-offs to loans | 1.1975% | 814 |
| Credit loss provision to net charge-offs | 127.4510% | 2,257 |
| Earnings coverage of net charge-offs (x) | 0.8069% | 4,927 |
| Efficiency ratio | 85.1924% | 1,460 |
| Assets per employee ($millions) | 3.0431% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5756% | 1,108 |
| Loan loss allowance to noncurrent loans | 41.2132% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 6.1221% | 645 |
| Noncurrent loans to loans | 6.2495% | 632 |
| Net loans and leases to total assets | 73.7513% | 1,285 |
| Net loans and leases to deposits | 88.4651% | 1,298 |
| Net loans and leases to core deposits | 93.7038% | 1,607 |
| Total domestic deposits to total assets | 83.3677% | 4,497 |
| Equity capital to assets | 8.8365% | 5,989 |
| Core capital (leverage) ratio | 8.4341% | 5,849 |
| Tier 1 risk-based capital ratio | 12.0183% | 5,926 |
| Total risk-based capital ratio | 13.2867% | 5,905 |
| Memoranda: | ||
| Average total assets | $96,519,250 | 4,974 |
| Average earning assets | $87,302,500 | 4,982 |
| Average equity | $8,352,500 | 5,458 |
| Average total loans | $73,820,000 | 4,265 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 663 |
| Cost of funding earning assets | 1.3187% | 480 |
| Net interest margin | 4.2198% | 1,698 |
| Noninterest income to average assets | 1.1011% | 1,180 |
| Noninterest expense to average assets | 4.0932% | 842 |
| Loan and lease loss provision to assets | 0.1099% | 4,150 |
| Net operating income to assets | 0.7083% | 3,832 |
| Return on assets (ROA) | 1.1541% | 2,076 |
| Pretax return on assets | 1.1541% | 3,102 |
| Return on Equity (ROE) | 13.4238% | 1,249 |
| Retained earnings to average equity (ytd only) | 13.4238% | 397 |
| Net charge-offs to loans | 1.0505% | 1,046 |
| Credit loss provision to net charge-offs | 13.6364% | 4,696 |
| Earnings coverage of net charge-offs (x) | 1.0152% | 4,517 |
| Efficiency ratio | 83.3402% | 1,701 |
| Assets per employee ($millions) | 3.2706% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 3,046 |
| Loan loss allowance to noncurrent loans | 59.9618% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.4509% | 1,550 |
| Noncurrent loans to loans | 2.9104% | 2,053 |
| Net loans and leases to total assets | 72.0136% | 1,552 |
| Net loans and leases to deposits | 85.7689% | 1,634 |
| Net loans and leases to core deposits | 93.9527% | 1,610 |
| Total domestic deposits to total assets | 83.9623% | 4,330 |
| Equity capital to assets | 8.7516% | 5,965 |
| Core capital (leverage) ratio | 8.7414% | 5,313 |
| Tier 1 risk-based capital ratio | 12.2369% | 5,760 |
| Total risk-based capital ratio | 13.4945% | 5,740 |
| Memoranda: | ||
| Average total assets | $98,261,670 | 4,947 |
| Average earning assets | $88,724,000 | 4,972 |
| Average equity | $8,447,670 | 5,433 |
| Average total loans | $75,390,330 | 4,240 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5522% | 692 |
| Cost of funding earning assets | 1.3971% | 434 |
| Net interest margin | 4.1551% | 1,920 |
| Noninterest income to average assets | 1.3017% | 841 |
| Noninterest expense to average assets | 4.0109% | 925 |
| Loan and lease loss provision to assets | 0.2197% | 2,746 |
| Net operating income to assets | 0.8217% | 3,290 |
| Return on assets (ROA) | 1.4359% | 1,290 |
| Pretax return on assets | 1.4359% | 2,066 |
| Return on Equity (ROE) | 16.8537% | 694 |
| Retained earnings to average equity (ytd only) | 16.8537% | 315 |
| Net charge-offs to loans | 0.6586% | 1,484 |
| Credit loss provision to net charge-offs | 42.5197% | 3,408 |
| Earnings coverage of net charge-offs (x) | 2.0157% | 3,337 |
| Efficiency ratio | 79.3881% | 2,288 |
| Assets per employee ($millions) | 3.2655% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 2,353 |
| Loan loss allowance to noncurrent loans | 34.3166% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 6.2941% | 723 |
| Noncurrent loans to loans | 5.8271% | 883 |
| Net loans and leases to total assets | 76.2413% | 776 |
| Net loans and leases to deposits | 90.7091% | 899 |
| Net loans and leases to core deposits | 99.8009% | 1,000 |
| Total domestic deposits to total assets | 84.0503% | 4,465 |
| Equity capital to assets | 8.6695% | 5,909 |
| Core capital (leverage) ratio | 8.5459% | 5,514 |
| Tier 1 risk-based capital ratio | 11.5735% | 6,240 |
| Total risk-based capital ratio | 12.8338% | 6,210 |
| Memoranda: | ||
| Average total assets | $98,333,000 | 4,969 |
| Average earning assets | $88,758,000 | 4,999 |
| Average equity | $8,378,000 | 5,477 |
| Average total loans | $77,128,500 | 4,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 768 |
| Cost of funding earning assets | 1.7686% | 242 |
| Net interest margin | 3.9391% | 3,159 |
| Noninterest income to average assets | 0.9031% | 1,664 |
| Noninterest expense to average assets | 4.4226% | 632 |
| Loan and lease loss provision to assets | 1.2230% | 708 |
| Net operating income to assets | -1.1795% | 6,813 |
| Return on assets (ROA) | -1.0649% | 6,797 |
| Pretax return on assets | -1.0649% | 6,763 |
| Return on Equity (ROE) | -12.6955% | 6,820 |
| Retained earnings to average equity (ytd only) | -12.6955% | 6,792 |
| Net charge-offs to loans | 1.0273% | 1,695 |
| Credit loss provision to net charge-offs | 154.7305% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0551% | 5,783 |
| Efficiency ratio | 99.0250% | 705 |
| Assets per employee ($millions) | 2.9030% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 2,134 |
| Loan loss allowance to noncurrent loans | 62.2517% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 4.3606% | 1,273 |
| Noncurrent loans to loans | 3.2892% | 1,968 |
| Net loans and leases to total assets | 77.4513% | 779 |
| Net loans and leases to deposits | 93.5588% | 838 |
| Net loans and leases to core deposits | 103.9318% | 906 |
| Total domestic deposits to total assets | 82.7835% | 4,844 |
| Equity capital to assets | 8.3717% | 6,279 |
| Core capital (leverage) ratio | 8.0479% | 6,208 |
| Tier 1 risk-based capital ratio | 10.6193% | 6,635 |
| Total risk-based capital ratio | 11.8802% | 6,610 |
| Memoranda: | ||
| Average total assets | $105,640,000 | 4,743 |
| Average earning assets | $95,554,800 | 4,767 |
| Average equity | $8,861,400 | 5,317 |
| Average total loans | $81,279,200 | 4,103 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 1,005 |
| Cost of funding earning assets | 1.8341% | 232 |
| Net interest margin | 3.7793% | 3,974 |
| Noninterest income to average assets | 1.0468% | 1,225 |
| Noninterest expense to average assets | 4.0269% | 978 |
| Loan and lease loss provision to assets | 0.8717% | 1,041 |
| Net operating income to assets | -0.4309% | 6,602 |
| Return on assets (ROA) | -0.2806% | 6,532 |
| Pretax return on assets | -0.2806% | 6,477 |
| Return on Equity (ROE) | -3.3440% | 6,583 |
| Retained earnings to average equity (ytd only) | -3.3440% | 6,454 |
| Net charge-offs to loans | 1.1792% | 1,330 |
| Credit loss provision to net charge-offs | 96.6942% | 3,547 |
| Earnings coverage of net charge-offs (x) | 0.4890% | 5,253 |
| Efficiency ratio | 90.1334% | 1,157 |
| Assets per employee ($millions) | 2.9828% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,413 |
| Loan loss allowance to noncurrent loans | 72.0181% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 3.4620% | 1,821 |
| Noncurrent loans to loans | 1.9874% | 3,383 |
| Net loans and leases to total assets | 75.8507% | 1,001 |
| Net loans and leases to deposits | 90.4637% | 1,159 |
| Net loans and leases to core deposits | 101.1838% | 1,145 |
| Total domestic deposits to total assets | 83.8466% | 4,302 |
| Equity capital to assets | 9.0283% | 5,725 |
| Core capital (leverage) ratio | 8.5883% | 5,572 |
| Tier 1 risk-based capital ratio | 11.4912% | 6,246 |
| Total risk-based capital ratio | 12.7434% | 6,240 |
| Memoranda: | ||
| Average total assets | $107,374,500 | 4,731 |
| Average earning assets | $97,193,500 | 4,738 |
| Average equity | $9,011,000 | 5,304 |
| Average total loans | $82,088,000 | 4,119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 1,287 |
| Cost of funding earning assets | 1.9063% | 200 |
| Net interest margin | 3.5986% | 4,721 |
| Noninterest income to average assets | 1.0735% | 1,136 |
| Noninterest expense to average assets | 4.0545% | 967 |
| Loan and lease loss provision to assets | 1.0753% | 772 |
| Net operating income to assets | -0.7974% | 6,870 |
| Return on assets (ROA) | -0.7974% | 6,879 |
| Pretax return on assets | -0.7974% | 6,822 |
| Return on Equity (ROE) | -9.7292% | 6,928 |
| Retained earnings to average equity (ytd only) | -9.7292% | 6,866 |
| Net charge-offs to loans | 0.3619% | 3,104 |
| Credit loss provision to net charge-offs | 389.4040% | 776 |
| Earnings coverage of net charge-offs (x) | 1.0066% | 4,540 |
| Efficiency ratio | 93.5838% | 1,005 |
| Assets per employee ($millions) | 2.9306% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 2,551 |
| Loan loss allowance to noncurrent loans | 48.4049% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 5.0094% | 1,224 |
| Noncurrent loans to loans | 4.0006% | 1,733 |
| Net loans and leases to total assets | 75.7417% | 1,115 |
| Net loans and leases to deposits | 90.0982% | 1,260 |
| Net loans and leases to core deposits | 99.1858% | 1,419 |
| Total domestic deposits to total assets | 84.0657% | 4,315 |
| Equity capital to assets | 8.3458% | 6,368 |
| Core capital (leverage) ratio | 8.0867% | 6,186 |
| Tier 1 risk-based capital ratio | 10.8554% | 6,623 |
| Total risk-based capital ratio | 12.1138% | 6,589 |
| Memoranda: | ||
| Average total assets | $109,361,000 | 4,715 |
| Average earning assets | $99,038,670 | 4,731 |
| Average equity | $8,962,670 | 5,337 |
| Average total loans | $83,437,000 | 4,113 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3667% | 1,681 |
| Cost of funding earning assets | 1.9555% | 195 |
| Net interest margin | 3.4112% | 5,384 |
| Noninterest income to average assets | 0.9776% | 1,395 |
| Noninterest expense to average assets | 3.8602% | 1,233 |
| Loan and lease loss provision to assets | 0.1186% | 4,528 |
| Net operating income to assets | 0.0899% | 6,123 |
| Return on assets (ROA) | 0.0899% | 6,173 |
| Pretax return on assets | 0.0899% | 6,195 |
| Return on Equity (ROE) | 1.1060% | 6,100 |
| Retained earnings to average equity (ytd only) | 1.1060% | 5,382 |
| Net charge-offs to loans | 0.6065% | 1,983 |
| Credit loss provision to net charge-offs | 25.7813% | 4,185 |
| Earnings coverage of net charge-offs (x) | 0.4531% | 4,279 |
| Efficiency ratio | 94.8763% | 990 |
| Assets per employee ($millions) | 3.3514% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 5,185 |
| Loan loss allowance to noncurrent loans | 44.6436% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 3.9540% | 1,688 |
| Noncurrent loans to loans | 2.8893% | 2,602 |
| Net loans and leases to total assets | 72.3772% | 1,636 |
| Net loans and leases to deposits | 84.9792% | 1,881 |
| Net loans and leases to core deposits | 93.3907% | 1,965 |
| Total domestic deposits to total assets | 85.1705% | 3,961 |
| Equity capital to assets | 8.2425% | 6,237 |
| Core capital (leverage) ratio | 8.3200% | 5,774 |
| Tier 1 risk-based capital ratio | 11.5109% | 6,096 |
| Total risk-based capital ratio | 12.7610% | 6,076 |
| Memoranda: | ||
| Average total assets | $111,290,500 | 4,707 |
| Average earning assets | $100,844,500 | 4,719 |
| Average equity | $9,041,500 | 5,313 |
| Average total loans | $84,412,000 | 4,126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 1,193 |
| Cost of funding earning assets | 2.2220% | 287 |
| Net interest margin | 3.6106% | 4,765 |
| Noninterest income to average assets | 1.3524% | 802 |
| Noninterest expense to average assets | 3.7223% | 1,649 |
| Loan and lease loss provision to assets | 0.3466% | 4,049 |
| Net operating income to assets | 0.5361% | 3,944 |
| Return on assets (ROA) | 0.5783% | 3,926 |
| Pretax return on assets | 0.5783% | 4,390 |
| Return on Equity (ROE) | 7.2635% | 2,996 |
| Retained earnings to average equity (ytd only) | 1.3986% | 4,836 |
| Net charge-offs to loans | 0.7616% | 2,737 |
| Credit loss provision to net charge-offs | 58.0451% | 6,114 |
| Earnings coverage of net charge-offs (x) | 1.4782% | 4,644 |
| Efficiency ratio | 80.8307% | 2,303 |
| Assets per employee ($millions) | 3.1995% | 5,668 |
| Cash dividends to net income (ytd only)* | 80.7453% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,994 |
| Loan loss allowance to noncurrent loans | 76.5929% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.8967% | 3,486 |
| Noncurrent loans to loans | 1.6995% | 3,961 |
| Net loans and leases to total assets | 77.3227% | 1,044 |
| Net loans and leases to deposits | 90.4730% | 1,463 |
| Net loans and leases to core deposits | 99.3198% | 1,670 |
| Total domestic deposits to total assets | 85.4649% | 3,623 |
| Equity capital to assets | 8.0074% | 6,489 |
| Core capital (leverage) ratio | 8.1553% | 5,905 |
| Tier 1 risk-based capital ratio | 11.1360% | 6,225 |
| Total risk-based capital ratio | 12.3875% | 6,198 |
| Memoranda: | ||
| Average total assets | $111,356,600 | 4,676 |
| Average earning assets | $100,314,400 | 4,720 |
| Average equity | $8,866,200 | 5,458 |
| Average total loans | $87,315,400 | 4,120 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8393% | 1,285 |
| Cost of funding earning assets | 2.2629% | 311 |
| Net interest margin | 3.5764% | 4,984 |
| Noninterest income to average assets | 1.2865% | 832 |
| Noninterest expense to average assets | 3.5695% | 1,854 |
| Loan and lease loss provision to assets | 0.2986% | 4,188 |
| Net operating income to assets | 0.5933% | 3,903 |
| Return on assets (ROA) | 0.6463% | 3,831 |
| Pretax return on assets | 0.6906% | 4,262 |
| Return on Equity (ROE) | 8.1286% | 2,850 |
| Retained earnings to average equity (ytd only) | 2.2470% | 4,820 |
| Net charge-offs to loans | 0.2003% | 4,743 |
| Credit loss provision to net charge-offs | 190.0763% | 1,896 |
| Earnings coverage of net charge-offs (x) | 5.9390% | 2,634 |
| Efficiency ratio | 79.2810% | 2,450 |
| Assets per employee ($millions) | 3.2940% | 5,483 |
| Cash dividends to net income (ytd only)* | 72.3565% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,948 |
| Loan loss allowance to noncurrent loans | 77.9412% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 2.4122% | 2,962 |
| Noncurrent loans to loans | 2.2548% | 3,382 |
| Net loans and leases to total assets | 74.5251% | 1,684 |
| Net loans and leases to deposits | 87.1824% | 2,130 |
| Net loans and leases to core deposits | 94.9623% | 2,390 |
| Total domestic deposits to total assets | 85.4818% | 3,359 |
| Equity capital to assets | 8.0883% | 6,723 |
| Core capital (leverage) ratio | 8.1374% | 6,141 |
| Tier 1 risk-based capital ratio | 10.6988% | 6,636 |
| Total risk-based capital ratio | 11.9558% | 6,615 |
| Memoranda: | ||
| Average total assets | $111,199,750 | 4,733 |
| Average earning assets | $99,986,250 | 4,780 |
| Average equity | $8,841,000 | 5,541 |
| Average total loans | $87,211,500 | 4,191 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8682% | 1,259 |
| Cost of funding earning assets | 2.2977% | 338 |
| Net interest margin | 3.5705% | 4,945 |
| Noninterest income to average assets | 1.1635% | 949 |
| Noninterest expense to average assets | 3.4597% | 2,121 |
| Loan and lease loss provision to assets | 0.2932% | 4,038 |
| Net operating income to assets | 0.5681% | 4,008 |
| Return on assets (ROA) | 0.5681% | 4,153 |
| Pretax return on assets | 0.6082% | 4,545 |
| Return on Equity (ROE) | 7.1892% | 3,220 |
| Retained earnings to average equity (ytd only) | 1.4286% | 5,161 |
| Net charge-offs to loans | 0.1767% | 4,553 |
| Credit loss provision to net charge-offs | 209.0909% | 1,859 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,457 |
| Efficiency ratio | 79.3319% | 2,526 |
| Assets per employee ($millions) | 3.1029% | 5,915 |
| Cash dividends to net income (ytd only)* | 80.1282% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 3,101 |
| Loan loss allowance to noncurrent loans | 78.9916% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 2.5675% | 2,825 |
| Noncurrent loans to loans | 2.1473% | 3,530 |
| Net loans and leases to total assets | 78.0323% | 1,108 |
| Net loans and leases to deposits | 91.6370% | 1,590 |
| Net loans and leases to core deposits | 101.8973% | 1,836 |
| Total domestic deposits to total assets | 85.1538% | 3,543 |
| Equity capital to assets | 8.2181% | 6,521 |
| Core capital (leverage) ratio | 8.2644% | 5,834 |
| Tier 1 risk-based capital ratio | 10.4187% | 6,747 |
| Total risk-based capital ratio | 11.6748% | 6,727 |
| Memoranda: | ||
| Average total assets | $109,836,330 | 4,807 |
| Average earning assets | $98,360,330 | 4,865 |
| Average equity | $8,679,670 | 5,591 |
| Average total loans | $87,129,670 | 4,223 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 1,550 |
| Cost of funding earning assets | 2.3179% | 409 |
| Net interest margin | 3.4542% | 5,361 |
| Noninterest income to average assets | 0.8852% | 1,684 |
| Noninterest expense to average assets | 3.2580% | 2,681 |
| Loan and lease loss provision to assets | 0.1616% | 4,911 |
| Net operating income to assets | 0.5216% | 4,279 |
| Return on assets (ROA) | 0.5216% | 4,421 |
| Pretax return on assets | 0.5583% | 4,759 |
| Return on Equity (ROE) | 6.7382% | 3,481 |
| Retained earnings to average equity (ytd only) | 0.8067% | 5,497 |
| Net charge-offs to loans | -0.0093% | 6,876 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9021% | 2,282 |
| Assets per employee ($millions) | 3.3279% | 5,483 |
| Cash dividends to net income (ytd only)* | 88.0282% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 2,983 |
| Loan loss allowance to noncurrent loans | 73.4101% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.5778% | 2,829 |
| Noncurrent loans to loans | 2.3457% | 3,338 |
| Net loans and leases to total assets | 76.1860% | 1,501 |
| Net loans and leases to deposits | 89.5526% | 1,980 |
| Net loans and leases to core deposits | 99.2068% | 2,213 |
| Total domestic deposits to total assets | 85.0740% | 3,637 |
| Equity capital to assets | 8.2260% | 6,397 |
| Core capital (leverage) ratio | 8.4000% | 5,558 |
| Tier 1 risk-based capital ratio | 10.5907% | 6,550 |
| Total risk-based capital ratio | 11.8458% | 6,536 |
| Memoranda: | ||
| Average total assets | $108,902,000 | 4,901 |
| Average earning assets | $97,504,000 | 4,941 |
| Average equity | $8,429,500 | 5,706 |
| Average total loans | $86,359,500 | 4,311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0068% | 1,837 |
| Cost of funding earning assets | 2.6301% | 709 |
| Net interest margin | 3.3767% | 5,460 |
| Noninterest income to average assets | 1.0979% | 1,272 |
| Noninterest expense to average assets | 3.4982% | 2,376 |
| Loan and lease loss provision to assets | 0.9658% | 2,340 |
| Net operating income to assets | -0.3223% | 6,000 |
| Return on assets (ROA) | -0.2281% | 5,871 |
| Pretax return on assets | -0.2281% | 5,732 |
| Return on Equity (ROE) | -3.1824% | 6,010 |
| Retained earnings to average equity (ytd only) | -9.3351% | 6,460 |
| Net charge-offs to loans | 0.6434% | 3,263 |
| Credit loss provision to net charge-offs | 186.7647% | 2,169 |
| Earnings coverage of net charge-offs (x) | 1.2445% | 4,881 |
| Efficiency ratio | 84.1175% | 2,332 |
| Assets per employee ($millions) | 3.4833% | 5,044 |
| Cash dividends to net income (ytd only)* | -193.3333% | 7,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 3,192 |
| Loan loss allowance to noncurrent loans | 125.5526% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6642% | 3,875 |
| Noncurrent loans to loans | 1.2913% | 4,769 |
| Net loans and leases to total assets | 79.7948% | 1,031 |
| Net loans and leases to deposits | 92.8161% | 1,762 |
| Net loans and leases to core deposits | 136.9443% | 915 |
| Total domestic deposits to total assets | 85.9708% | 3,034 |
| Equity capital to assets | 7.2466% | 7,239 |
| Core capital (leverage) ratio | 7.3348% | 6,952 |
| Tier 1 risk-based capital ratio | 9.1008% | 7,428 |
| Total risk-based capital ratio | 10.3555% | 7,443 |
| Memoranda: | ||
| Average total assets | $105,196,600 | 4,955 |
| Average earning assets | $94,825,600 | 4,982 |
| Average equity | $7,541,400 | 6,072 |
| Average total loans | $84,557,200 | 4,367 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0060% | 2,011 |
| Cost of funding earning assets | 2.6916% | 806 |
| Net interest margin | 3.3144% | 5,586 |
| Noninterest income to average assets | 1.0182% | 1,536 |
| Noninterest expense to average assets | 3.2765% | 3,003 |
| Loan and lease loss provision to assets | 0.4338% | 3,733 |
| Net operating income to assets | 0.2832% | 4,847 |
| Return on assets (ROA) | 0.4006% | 4,501 |
| Pretax return on assets | 0.4287% | 4,719 |
| Return on Equity (ROE) | 5.6042% | 3,694 |
| Retained earnings to average equity (ytd only) | -1.6241% | 5,639 |
| Net charge-offs to loans | 0.4503% | 3,434 |
| Credit loss provision to net charge-offs | 120.1413% | 4,222 |
| Earnings coverage of net charge-offs (x) | 2.0389% | 4,294 |
| Efficiency ratio | 81.1765% | 2,690 |
| Assets per employee ($millions) | 3.1761% | 5,708 |
| Cash dividends to net income (ytd only)* | 128.9806% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,167 |
| Loan loss allowance to noncurrent loans | 154.8536% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 3,959 |
| Noncurrent loans to loans | 0.7685% | 5,766 |
| Net loans and leases to total assets | 79.6184% | 1,258 |
| Net loans and leases to deposits | 92.9482% | 2,069 |
| Net loans and leases to core deposits | 132.9679% | 1,267 |
| Total domestic deposits to total assets | 85.6588% | 2,880 |
| Equity capital to assets | 7.3085% | 7,421 |
| Core capital (leverage) ratio | 7.3277% | 7,164 |
| Tier 1 risk-based capital ratio | 9.1378% | 7,566 |
| Total risk-based capital ratio | 10.3411% | 7,593 |
| Memoranda: | ||
| Average total assets | $104,500,250 | 5,004 |
| Average earning assets | $94,413,500 | 5,028 |
| Average equity | $7,470,500 | 6,167 |
| Average total loans | $83,800,500 | 4,423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9158% | 2,515 |
| Cost of funding earning assets | 2.7299% | 963 |
| Net interest margin | 3.1859% | 5,963 |
| Noninterest income to average assets | 1.1073% | 1,295 |
| Noninterest expense to average assets | 3.2415% | 3,186 |
| Loan and lease loss provision to assets | 0.5843% | 2,693 |
| Net operating income to assets | 0.1608% | 5,387 |
| Return on assets (ROA) | 0.3391% | 4,836 |
| Pretax return on assets | 0.3621% | 5,040 |
| Return on Equity (ROE) | 4.7790% | 4,175 |
| Retained earnings to average equity (ytd only) | -2.6460% | 5,899 |
| Net charge-offs to loans | 0.4834% | 2,894 |
| Credit loss provision to net charge-offs | 150.9901% | 3,053 |
| Earnings coverage of net charge-offs (x) | 1.9554% | 4,122 |
| Efficiency ratio | 80.2587% | 3,000 |
| Assets per employee ($millions) | 3.1257% | 5,792 |
| Cash dividends to net income (ytd only)* | 155.3672% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,701 |
| Loan loss allowance to noncurrent loans | 129.7531% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.6908% | 3,647 |
| Noncurrent loans to loans | 0.9522% | 5,319 |
| Net loans and leases to total assets | 81.4519% | 1,061 |
| Net loans and leases to deposits | 97.1070% | 1,650 |
| Net loans and leases to core deposits | 134.9741% | 1,264 |
| Total domestic deposits to total assets | 83.8785% | 3,830 |
| Equity capital to assets | 7.0588% | 7,574 |
| Core capital (leverage) ratio | 7.4308% | 7,101 |
| Tier 1 risk-based capital ratio | 9.0689% | 7,660 |
| Total risk-based capital ratio | 10.3185% | 7,673 |
| Memoranda: | ||
| Average total assets | $104,397,000 | 5,035 |
| Average earning assets | $94,730,000 | 5,050 |
| Average equity | $7,407,330 | 6,216 |
| Average total loans | $83,583,000 | 4,474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7927% | 3,339 |
| Cost of funding earning assets | 2.8355% | 901 |
| Net interest margin | 2.9572% | 6,595 |
| Noninterest income to average assets | 1.0398% | 1,376 |
| Noninterest expense to average assets | 3.2489% | 2,802 |
| Loan and lease loss provision to assets | 0.6856% | 1,846 |
| Net operating income to assets | -0.1945% | 6,547 |
| Return on assets (ROA) | 0.1562% | 5,971 |
| Pretax return on assets | 0.1676% | 6,013 |
| Return on Equity (ROE) | 2.1953% | 5,707 |
| Retained earnings to average equity (ytd only) | -4.4977% | 6,489 |
| Net charge-offs to loans | 0.7339% | 1,717 |
| Credit loss provision to net charge-offs | 118.4211% | 3,305 |
| Earnings coverage of net charge-offs (x) | 0.8224% | 4,367 |
| Efficiency ratio | 86.5031% | 2,015 |
| Assets per employee ($millions) | 3.1105% | 5,866 |
| Cash dividends to net income (ytd only)* | 304.8780% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 4,956 |
| Loan loss allowance to noncurrent loans | 166.5529% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 3,498 |
| Noncurrent loans to loans | 0.7064% | 5,647 |
| Net loans and leases to total assets | 79.8638% | 1,414 |
| Net loans and leases to deposits | 93.1504% | 2,407 |
| Net loans and leases to core deposits | 126.7659% | 1,866 |
| Total domestic deposits to total assets | 85.7364% | 2,859 |
| Equity capital to assets | 7.1040% | 7,619 |
| Core capital (leverage) ratio | 7.1005% | 7,558 |
| Tier 1 risk-based capital ratio | 9.2202% | 7,656 |
| Total risk-based capital ratio | 10.3980% | 7,706 |
| Memoranda: | ||
| Average total assets | $105,021,500 | 5,041 |
| Average earning assets | $95,362,000 | 5,047 |
| Average equity | $7,470,500 | 6,231 |
| Average total loans | $82,841,000 | 4,533 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6098% | 2,436 |
| Cost of funding earning assets | 2.8972% | 2,274 |
| Net interest margin | 3.7126% | 4,416 |
| Noninterest income to average assets | 1.0106% | 1,545 |
| Noninterest expense to average assets | 3.4141% | 2,633 |
| Loan and lease loss provision to assets | 0.7912% | 1,883 |
| Net operating income to assets | 0.1968% | 5,860 |
| Return on assets (ROA) | 0.1968% | 5,677 |
| Pretax return on assets | 0.1968% | 5,740 |
| Return on Equity (ROE) | 2.7754% | 5,311 |
| Retained earnings to average equity (ytd only) | -4.8532% | 6,489 |
| Net charge-offs to loans | 0.5334% | 2,229 |
| Credit loss provision to net charge-offs | 196.9231% | 2,488 |
| Earnings coverage of net charge-offs (x) | 2.4590% | 4,849 |
| Efficiency ratio | 77.4163% | 3,011 |
| Assets per employee ($millions) | 3.1587% | 5,596 |
| Cash dividends to net income (ytd only)* | 274.8691% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 4,954 |
| Loan loss allowance to noncurrent loans | 108.7156% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 2,971 |
| Noncurrent loans to loans | 1.0540% | 4,466 |
| Net loans and leases to total assets | 76.1483% | 2,577 |
| Net loans and leases to deposits | 91.5288% | 3,212 |
| Net loans and leases to core deposits | 125.6777% | 2,186 |
| Total domestic deposits to total assets | 83.1960% | 3,685 |
| Equity capital to assets | 7.1222% | 7,670 |
| Core capital (leverage) ratio | 7.1778% | 7,545 |
| Tier 1 risk-based capital ratio | 9.0688% | 7,743 |
| Total risk-based capital ratio | 10.2108% | 7,817 |
| Memoranda: | ||
| Average total assets | $97,068,800 | 5,137 |
| Average earning assets | $88,671,000 | 5,126 |
| Average equity | $6,882,000 | 6,496 |
| Average total loans | $73,121,400 | 4,770 |