Home > Oklahoma Capital Bank > Performance and Condition Ratios
Oklahoma Capital 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 | 7.8621% | 128 |
| Cost of funding earning assets | 2.4625% | 397 |
| Net interest margin | 5.3996% | 211 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.4424% | 2,466 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 1.6242% | 832 |
| Return on assets (ROA) | 1.4788% | 1,030 |
| Pretax return on assets | 1.9440% | 727 |
| Return on Equity (ROE) | 8.6400% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.6366% | 1,358 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.0521% | 4,145 |
| Assets per employee ($millions) | 6.1717% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,096 |
| Loan loss allowance to noncurrent loans | 43.1924% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.5819% | 88 |
| Noncurrent loans to loans | 3.4414% | 117 |
| Net loans and leases to total assets | 73.9100% | 1,377 |
| Net loans and leases to deposits | 96.0408% | 784 |
| Net loans and leases to core deposits | 128.1145% | 434 |
| Total domestic deposits to total assets | 76.9600% | 3,849 |
| Equity capital to assets | 17.0957% | 384 |
| Core capital (leverage) ratio | 13.2246% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $135,851,400 | 3,496 |
| Average earning assets | $124,304,800 | 3,501 |
| Average equity | $23,261,400 | 2,610 |
| Average total loans | $106,888,000 | 3,109 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8047% | 124 |
| Cost of funding earning assets | 2.2161% | 477 |
| Net interest margin | 5.5886% | 167 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.3494% | 2,658 |
| Loan and lease loss provision to assets | 0.4400% | 179 |
| Net operating income to assets | 1.9052% | 560 |
| Return on assets (ROA) | 1.7092% | 774 |
| Pretax return on assets | 2.2462% | 526 |
| Return on Equity (ROE) | 9.9800% | 2,638 |
| Retained earnings to average equity (ytd only) | 9.9780% | 1,408 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.9414% | 4,228 |
| Assets per employee ($millions) | 6.1228% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 2,863 |
| Loan loss allowance to noncurrent loans | 34.5520% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.5940% | 91 |
| Noncurrent loans to loans | 3.1861% | 127 |
| Net loans and leases to total assets | 80.1900% | 618 |
| Net loans and leases to deposits | 104.2531% | 346 |
| Net loans and leases to core deposits | 140.5941% | 213 |
| Total domestic deposits to total assets | 76.9200% | 3,935 |
| Equity capital to assets | 16.9914% | 396 |
| Core capital (leverage) ratio | 13.0802% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $134,327,250 | 3,514 |
| Average earning assets | $122,914,750 | 3,519 |
| Average equity | $23,010,000 | 2,621 |
| Average total loans | $106,986,000 | 3,104 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6301% | 122 |
| Cost of funding earning assets | 1.8702% | 649 |
| Net interest margin | 5.7599% | 130 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.5802% | 1,978 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 2.0233% | 446 |
| Return on assets (ROA) | 2.0233% | 443 |
| Pretax return on assets | 2.6574% | 292 |
| Return on Equity (ROE) | 11.7800% | 2,223 |
| Retained earnings to average equity (ytd only) | 11.7777% | 1,033 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.6777% | 4,131 |
| Assets per employee ($millions) | 6.3110% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 3,770 |
| Loan loss allowance to noncurrent loans | 738.5185% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 2,816 |
| Noncurrent loans to loans | 0.1226% | 2,864 |
| Net loans and leases to total assets | 75.1900% | 1,138 |
| Net loans and leases to deposits | 97.4507% | 646 |
| Net loans and leases to core deposits | 134.5141% | 270 |
| Total domestic deposits to total assets | 77.1600% | 3,933 |
| Equity capital to assets | 16.1016% | 434 |
| Core capital (leverage) ratio | 13.2973% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $132,161,667 | 3,550 |
| Average earning assets | $120,627,000 | 3,559 |
| Average equity | $22,704,000 | 2,648 |
| Average total loans | $104,586,333 | 3,125 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2769% | 95 |
| Cost of funding earning assets | 1.4498% | 940 |
| Net interest margin | 5.8271% | 113 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6960% | 1,685 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.8653% | 601 |
| Return on assets (ROA) | 1.8653% | 591 |
| Pretax return on assets | 2.4509% | 380 |
| Return on Equity (ROE) | 10.4800% | 2,638 |
| Retained earnings to average equity (ytd only) | 10.4783% | 1,581 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.2651% | 4,001 |
| Assets per employee ($millions) | 5.9145% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 3,955 |
| Loan loss allowance to noncurrent loans | 688.8889% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 2,382 |
| Noncurrent loans to loans | 0.1253% | 2,888 |
| Net loans and leases to total assets | 82.0900% | 368 |
| Net loans and leases to deposits | 111.4648% | 163 |
| Net loans and leases to core deposits | 140.7005% | 180 |
| Total domestic deposits to total assets | 73.6400% | 4,301 |
| Equity capital to assets | 17.4164% | 328 |
| Core capital (leverage) ratio | 14.1752% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $125,666,000 | 3,664 |
| Average earning assets | $114,225,000 | 3,677 |
| Average equity | $22,370,000 | 2,691 |
| Average total loans | $101,812,000 | 3,192 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8531% | 101 |
| Cost of funding earning assets | 0.6836% | 632 |
| Net interest margin | 5.1695% | 120 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.5045% | 2,097 |
| Loan and lease loss provision to assets | 0.5600% | 104 |
| Net operating income to assets | 1.4180% | 1,085 |
| Return on assets (ROA) | 1.4180% | 1,051 |
| Pretax return on assets | 1.8107% | 716 |
| Return on Equity (ROE) | 9.1200% | 3,096 |
| Retained earnings to average equity (ytd only) | 9.1178% | 1,452 |
| Net charge-offs to loans | -0.0364% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.8182% | 4,079 |
| Assets per employee ($millions) | 6.3796% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 3,709 |
| Loan loss allowance to noncurrent loans | 1,953.3333% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 2,775 |
| Noncurrent loans to loans | 0.0469% | 3,415 |
| Net loans and leases to total assets | 78.3800% | 761 |
| Net loans and leases to deposits | 103.7331% | 312 |
| Net loans and leases to core deposits | 126.2525% | 276 |
| Total domestic deposits to total assets | 75.5600% | 4,282 |
| Equity capital to assets | 18.2142% | 282 |
| Core capital (leverage) ratio | 13.7713% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $134,199,800 | 3,594 |
| Average earning assets | $122,874,400 | 3,585 |
| Average equity | $20,871,200 | 2,870 |
| Average total loans | $96,041,600 | 3,206 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 105 |
| Cost of funding earning assets | 0.6007% | 437 |
| Net interest margin | 4.9661% | 124 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.4659% | 2,108 |
| Loan and lease loss provision to assets | 0.6100% | 81 |
| Net operating income to assets | 1.3125% | 1,312 |
| Return on assets (ROA) | 1.3125% | 1,279 |
| Pretax return on assets | 1.6122% | 1,091 |
| Return on Equity (ROE) | 8.7700% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.7700% | 1,736 |
| Net charge-offs to loans | -0.0222% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.9636% | 4,011 |
| Assets per employee ($millions) | 6.0749% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 4,095 |
| Loan loss allowance to noncurrent loans | 270.2899% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 1,758 |
| Noncurrent loans to loans | 0.2953% | 2,183 |
| Net loans and leases to total assets | 76.3000% | 876 |
| Net loans and leases to deposits | 99.4412% | 387 |
| Net loans and leases to core deposits | 118.6073% | 288 |
| Total domestic deposits to total assets | 76.7300% | 4,334 |
| Equity capital to assets | 17.7017% | 290 |
| Core capital (leverage) ratio | 13.2987% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $137,446,500 | 3,581 |
| Average earning assets | $126,079,000 | 3,591 |
| Average equity | $20,569,500 | 2,943 |
| Average total loans | $96,081,000 | 3,224 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 907 |
| Cost of funding earning assets | 0.5651% | 357 |
| Net interest margin | 3.4547% | 1,437 |
| Noninterest income to average assets | 1.0815% | 568 |
| Noninterest expense to average assets | 2.3746% | 2,321 |
| Loan and lease loss provision to assets | 0.5071% | 103 |
| Net operating income to assets | 1.0437% | 2,003 |
| Return on assets (ROA) | 1.0437% | 1,972 |
| Pretax return on assets | 1.3771% | 1,502 |
| Return on Equity (ROE) | 7.3555% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.3555% | 1,864 |
| Net charge-offs to loans | -0.0248% | 3,970 |
| Credit loss provision to net charge-offs | -3,016.6667% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1316% | 3,859 |
| Assets per employee ($millions) | 5.8526% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5039% | 4,547 |
| Loan loss allowance to noncurrent loans | 170.2899% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 1,907 |
| Noncurrent loans to loans | 0.2959% | 2,279 |
| Net loans and leases to total assets | 72.0761% | 1,093 |
| Net loans and leases to deposits | 91.8423% | 617 |
| Net loans and leases to core deposits | 108.0348% | 397 |
| Total domestic deposits to total assets | 78.4781% | 4,332 |
| Equity capital to assets | 16.3020% | 313 |
| Core capital (leverage) ratio | 11.3839% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,763,000 | 3,578 |
| Average earning assets | $131,298,667 | 3,580 |
| Average equity | $20,257,000 | 3,046 |
| Average total loans | $96,957,000 | 3,228 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 1,080 |
| Cost of funding earning assets | 0.5739% | 305 |
| Net interest margin | 3.2290% | 1,788 |
| Noninterest income to average assets | 1.2286% | 474 |
| Noninterest expense to average assets | 2.3023% | 2,492 |
| Loan and lease loss provision to assets | 0.4487% | 110 |
| Net operating income to assets | 1.1244% | 1,461 |
| Return on assets (ROA) | 1.1244% | 1,454 |
| Pretax return on assets | 1.4529% | 1,120 |
| Return on Equity (ROE) | 8.4664% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.4664% | 1,439 |
| Net charge-offs to loans | -0.0445% | 4,219 |
| Credit loss provision to net charge-offs | -1,527.2727% | 3,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1931% | 4,040 |
| Assets per employee ($millions) | 6.6665% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2834% | 4,696 |
| Loan loss allowance to noncurrent loans | 99.6377% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 1,913 |
| Noncurrent loans to loans | 0.2845% | 2,452 |
| Net loans and leases to total assets | 65.9676% | 1,413 |
| Net loans and leases to deposits | 81.1151% | 1,066 |
| Net loans and leases to core deposits | 96.8061% | 621 |
| Total domestic deposits to total assets | 81.3259% | 4,164 |
| Equity capital to assets | 14.1842% | 498 |
| Core capital (leverage) ratio | 10.7022% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,766,000 | 3,519 |
| Average earning assets | $138,000,000 | 3,521 |
| Average equity | $19,890,500 | 3,157 |
| Average total loans | $98,799,000 | 3,203 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8462% | 4,795 |
| Cost of funding earning assets | 0.1350% | 4,114 |
| Net interest margin | 0.7111% | 4,797 |
| Noninterest income to average assets | 0.2114% | 4,106 |
| Noninterest expense to average assets | 0.5062% | 4,808 |
| Loan and lease loss provision to assets | 0.0596% | 1,868 |
| Net operating income to assets | 0.2563% | 4,474 |
| Return on assets (ROA) | 0.1305% | 4,610 |
| Pretax return on assets | 0.1668% | 4,597 |
| Return on Equity (ROE) | 0.8277% | 4,619 |
| Retained earnings to average equity (ytd only) | 0.8277% | 4,304 |
| Net charge-offs to loans | -0.0009% | 3,273 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1181% | 3,696 |
| Assets per employee ($millions) | 6.9486% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0955% | 4,771 |
| Loan loss allowance to noncurrent loans | 5.9701% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 340 |
| Noncurrent loans to loans | 1.5988% | 547 |
| Net loans and leases to total assets | 65.7275% | 1,503 |
| Net loans and leases to deposits | 78.8346% | 1,313 |
| Net loans and leases to core deposits | 93.5801% | 802 |
| Total domestic deposits to total assets | 83.3740% | 3,726 |
| Equity capital to assets | 12.4146% | 1,090 |
| Core capital (leverage) ratio | 8.5967% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,437,000 | 3,396 |
| Average earning assets | $152,571,000 | 3,354 |
| Average equity | $25,129,800 | 2,837 |
| Average total loans | $111,613,600 | 3,053 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 1,851 |
| Cost of funding earning assets | 0.7538% | 304 |
| Net interest margin | 3.1174% | 3,009 |
| Noninterest income to average assets | 0.1076% | 4,641 |
| Noninterest expense to average assets | 2.6943% | 1,606 |
| Loan and lease loss provision to assets | -0.1260% | 4,654 |
| Net operating income to assets | 0.3907% | 4,385 |
| Return on assets (ROA) | 0.3907% | 4,419 |
| Pretax return on assets | 0.5446% | 4,309 |
| Return on Equity (ROE) | 2.3598% | 4,541 |
| Retained earnings to average equity (ytd only) | -27.6382% | 4,891 |
| Net charge-offs to loans | 0.0082% | 2,011 |
| Credit loss provision to net charge-offs | -2,171.4286% | 4,005 |
| Earnings coverage of net charge-offs (x) | 72.2857% | 1,047 |
| Efficiency ratio | 85.7219% | 444 |
| Assets per employee ($millions) | 5.5479% | 3,144 |
| Cash dividends to net income (ytd only)* | 1,271.1864% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 857 |
| Loan loss allowance to noncurrent loans | 113.7044% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3010% | 435 |
| Noncurrent loans to loans | 1.6219% | 630 |
| Net loans and leases to total assets | 65.1011% | 1,643 |
| Net loans and leases to deposits | 80.8759% | 1,202 |
| Net loans and leases to core deposits | 96.2354% | 738 |
| Total domestic deposits to total assets | 80.4950% | 4,165 |
| Equity capital to assets | 15.3740% | 485 |
| Core capital (leverage) ratio | 15.1589% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,079,000 | 3,418 |
| Average earning assets | $155,295,000 | 3,354 |
| Average equity | $26,667,750 | 2,779 |
| Average total loans | $114,373,750 | 3,049 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 1,765 |
| Cost of funding earning assets | 0.8192% | 269 |
| Net interest margin | 3.1014% | 3,033 |
| Noninterest income to average assets | 0.0969% | 4,701 |
| Noninterest expense to average assets | 2.5793% | 1,913 |
| Loan and lease loss provision to assets | -0.1742% | 4,735 |
| Net operating income to assets | 0.4970% | 4,224 |
| Return on assets (ROA) | 0.4970% | 4,268 |
| Pretax return on assets | 0.6884% | 4,088 |
| Return on Equity (ROE) | 2.9352% | 4,483 |
| Retained earnings to average equity (ytd only) | -40.5489% | 4,933 |
| Net charge-offs to loans | 0.0271% | 1,410 |
| Credit loss provision to net charge-offs | -887.5000% | 3,626 |
| Earnings coverage of net charge-offs (x) | 26.1875% | 1,389 |
| Efficiency ratio | 82.5863% | 632 |
| Assets per employee ($millions) | 5.6425% | 2,971 |
| Cash dividends to net income (ytd only)* | 1,481.4815% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 1,025 |
| Loan loss allowance to noncurrent loans | 98.1415% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.4602% | 400 |
| Noncurrent loans to loans | 1.7501% | 599 |
| Net loans and leases to total assets | 68.8510% | 1,348 |
| Net loans and leases to deposits | 85.4782% | 945 |
| Net loans and leases to core deposits | 103.7335% | 541 |
| Total domestic deposits to total assets | 80.5480% | 4,151 |
| Equity capital to assets | 15.0485% | 518 |
| Core capital (leverage) ratio | 14.1430% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,992,000 | 3,406 |
| Average earning assets | $157,475,000 | 3,335 |
| Average equity | $27,596,333 | 2,698 |
| Average total loans | $118,155,667 | 3,023 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 1,611 |
| Cost of funding earning assets | 0.8976% | 226 |
| Net interest margin | 3.1028% | 2,976 |
| Noninterest income to average assets | 0.0918% | 4,721 |
| Noninterest expense to average assets | 2.4750% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4665% | 4,244 |
| Return on assets (ROA) | 0.4665% | 4,282 |
| Pretax return on assets | 0.6163% | 4,168 |
| Return on Equity (ROE) | 2.6163% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.6163% | 3,893 |
| Net charge-offs to loans | 0.0656% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,419 |
| Efficiency ratio | 79.2807% | 867 |
| Assets per employee ($millions) | 5.6296% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 1,007 |
| Loan loss allowance to noncurrent loans | 141.5972% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 705 |
| Noncurrent loans to loans | 1.2138% | 1,085 |
| Net loans and leases to total assets | 71.4164% | 1,102 |
| Net loans and leases to deposits | 92.8717% | 552 |
| Net loans and leases to core deposits | 112.9832% | 343 |
| Total domestic deposits to total assets | 76.8979% | 4,525 |
| Equity capital to assets | 18.0959% | 251 |
| Core capital (leverage) ratio | 17.7038% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,493,500 | 3,381 |
| Average earning assets | $159,982,000 | 3,306 |
| Average equity | $29,507,000 | 2,584 |
| Average total loans | $121,894,500 | 2,997 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 996 |
| Cost of funding earning assets | 1.1984% | 279 |
| Net interest margin | 3.4516% | 2,625 |
| Noninterest income to average assets | 0.0676% | 4,832 |
| Noninterest expense to average assets | 2.5939% | 2,567 |
| Loan and lease loss provision to assets | 0.1490% | 2,511 |
| Net operating income to assets | 0.4648% | 4,109 |
| Return on assets (ROA) | 0.4648% | 4,189 |
| Pretax return on assets | 0.6442% | 3,987 |
| Return on Equity (ROE) | 2.7612% | 4,430 |
| Retained earnings to average equity (ytd only) | -1.6649% | 4,682 |
| Net charge-offs to loans | 0.0715% | 1,768 |
| Credit loss provision to net charge-offs | 276.5957% | 1,815 |
| Earnings coverage of net charge-offs (x) | 14.7234% | 2,198 |
| Efficiency ratio | 75.8883% | 1,242 |
| Assets per employee ($millions) | 5.5910% | 2,752 |
| Cash dividends to net income (ytd only)* | 160.2959% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 1,180 |
| Loan loss allowance to noncurrent loans | 142.4913% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 817 |
| Noncurrent loans to loans | 1.1545% | 1,229 |
| Net loans and leases to total assets | 73.3910% | 1,106 |
| Net loans and leases to deposits | 94.5584% | 624 |
| Net loans and leases to core deposits | 115.7850% | 371 |
| Total domestic deposits to total assets | 77.6145% | 4,360 |
| Equity capital to assets | 17.5706% | 299 |
| Core capital (leverage) ratio | 16.7144% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,485,200 | 3,154 |
| Average earning assets | $167,805,600 | 3,092 |
| Average equity | $29,370,800 | 2,513 |
| Average total loans | $131,513,000 | 2,849 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 950 |
| Cost of funding earning assets | 1.2511% | 306 |
| Net interest margin | 3.5084% | 2,565 |
| Noninterest income to average assets | 0.0674% | 4,857 |
| Noninterest expense to average assets | 2.6155% | 2,492 |
| Loan and lease loss provision to assets | 0.1516% | 2,500 |
| Net operating income to assets | 0.4866% | 4,069 |
| Return on assets (ROA) | 0.4866% | 4,147 |
| Pretax return on assets | 0.6705% | 3,968 |
| Return on Equity (ROE) | 2.9214% | 4,405 |
| Retained earnings to average equity (ytd only) | -2.9850% | 4,774 |
| Net charge-offs to loans | 0.0952% | 1,357 |
| Credit loss provision to net charge-offs | 210.5263% | 2,069 |
| Earnings coverage of net charge-offs (x) | 11.4316% | 2,304 |
| Efficiency ratio | 75.4073% | 1,259 |
| Assets per employee ($millions) | 5.9391% | 2,318 |
| Cash dividends to net income (ytd only)* | 202.1773% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,116 |
| Loan loss allowance to noncurrent loans | 165.1240% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9659% | 1,158 |
| Noncurrent loans to loans | 0.9661% | 1,555 |
| Net loans and leases to total assets | 69.1728% | 2,083 |
| Net loans and leases to deposits | 87.5621% | 1,540 |
| Net loans and leases to core deposits | 105.3690% | 870 |
| Total domestic deposits to total assets | 78.9986% | 4,060 |
| Equity capital to assets | 16.4491% | 419 |
| Core capital (leverage) ratio | 16.3517% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,174,250 | 3,123 |
| Average earning assets | $169,226,750 | 3,065 |
| Average equity | $29,345,750 | 2,506 |
| Average total loans | $133,102,000 | 2,838 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 852 |
| Cost of funding earning assets | 1.3402% | 300 |
| Net interest margin | 3.6412% | 2,344 |
| Noninterest income to average assets | 0.0524% | 4,907 |
| Noninterest expense to average assets | 2.6449% | 2,538 |
| Loan and lease loss provision to assets | 0.1595% | 2,406 |
| Net operating income to assets | 0.5401% | 3,908 |
| Return on assets (ROA) | 0.5401% | 3,987 |
| Pretax return on assets | 0.7464% | 3,751 |
| Return on Equity (ROE) | 3.2291% | 4,298 |
| Retained earnings to average equity (ytd only) | -5.6270% | 4,797 |
| Net charge-offs to loans | 0.1415% | 1,008 |
| Credit loss provision to net charge-offs | 145.8333% | 2,151 |
| Earnings coverage of net charge-offs (x) | 8.2813% | 2,299 |
| Efficiency ratio | 73.8447% | 1,478 |
| Assets per employee ($millions) | 6.0989% | 2,091 |
| Cash dividends to net income (ytd only)* | 274.2616% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,541 |
| Loan loss allowance to noncurrent loans | 36.9445% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 3.2618% | 129 |
| Noncurrent loans to loans | 3.8255% | 187 |
| Net loans and leases to total assets | 76.3947% | 1,075 |
| Net loans and leases to deposits | 96.8171% | 737 |
| Net loans and leases to core deposits | 113.2572% | 627 |
| Total domestic deposits to total assets | 78.9062% | 4,051 |
| Equity capital to assets | 16.5005% | 414 |
| Core capital (leverage) ratio | 16.5776% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,507,667 | 3,117 |
| Average earning assets | $168,625,667 | 3,055 |
| Average equity | $29,358,333 | 2,500 |
| Average total loans | $135,720,667 | 2,796 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 576 |
| Cost of funding earning assets | 1.4586% | 309 |
| Net interest margin | 3.8182% | 1,908 |
| Noninterest income to average assets | 0.0938% | 4,847 |
| Noninterest expense to average assets | 2.7524% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7299% | 3,168 |
| Return on assets (ROA) | 0.7299% | 3,253 |
| Pretax return on assets | 1.0067% | 2,824 |
| Return on Equity (ROE) | 4.3334% | 3,860 |
| Retained earnings to average equity (ytd only) | -13.3263% | 4,859 |
| Net charge-offs to loans | -0.0059% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6111% | 1,985 |
| Assets per employee ($millions) | 5.6039% | 2,024 |
| Cash dividends to net income (ytd only)* | 407.5235% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,719 |
| Loan loss allowance to noncurrent loans | 116.6154% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4190% | 781 |
| Noncurrent loans to loans | 1.1962% | 1,363 |
| Net loans and leases to total assets | 77.1080% | 1,116 |
| Net loans and leases to deposits | 97.8416% | 734 |
| Net loans and leases to core deposits | 115.4669% | 609 |
| Total domestic deposits to total assets | 78.8090% | 4,085 |
| Equity capital to assets | 16.6797% | 485 |
| Core capital (leverage) ratio | 16.5195% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,828,000 | 3,087 |
| Average earning assets | $167,828,000 | 3,037 |
| Average equity | $29,445,500 | 2,492 |
| Average total loans | $135,054,000 | 2,772 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 719 |
| Cost of funding earning assets | 1.6786% | 209 |
| Net interest margin | 3.6860% | 2,849 |
| Noninterest income to average assets | 0.1014% | 4,923 |
| Noninterest expense to average assets | 2.6174% | 3,128 |
| Loan and lease loss provision to assets | 0.0113% | 3,788 |
| Net operating income to assets | 0.7443% | 3,720 |
| Return on assets (ROA) | 0.7443% | 3,795 |
| Pretax return on assets | 1.0275% | 3,396 |
| Return on Equity (ROE) | 4.4183% | 4,365 |
| Retained earnings to average equity (ytd only) | -0.6254% | 4,774 |
| Net charge-offs to loans | 0.0173% | 3,095 |
| Credit loss provision to net charge-offs | 86.9565% | 2,694 |
| Earnings coverage of net charge-offs (x) | 79.7391% | 794 |
| Efficiency ratio | 70.9527% | 2,030 |
| Assets per employee ($millions) | 5.3314% | 2,215 |
| Cash dividends to net income (ytd only)* | 114.1553% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,491 |
| Loan loss allowance to noncurrent loans | 124.7858% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.3397% | 808 |
| Noncurrent loans to loans | 1.1299% | 1,340 |
| Net loans and leases to total assets | 75.2364% | 1,543 |
| Net loans and leases to deposits | 95.9279% | 949 |
| Net loans and leases to core deposits | 113.2338% | 703 |
| Total domestic deposits to total assets | 78.4302% | 4,290 |
| Equity capital to assets | 17.0033% | 464 |
| Core capital (leverage) ratio | 16.4448% | 468 |
| Tier 1 risk-based capital ratio | 21.3861% | 1,100 |
| Total risk-based capital ratio | 22.6374% | 1,078 |
| Memoranda: | ||
| Average total assets | $176,548,600 | 3,051 |
| Average earning assets | $170,263,600 | 2,982 |
| Average equity | $29,739,800 | 2,408 |
| Average total loans | $132,992,800 | 2,793 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 764 |
| Cost of funding earning assets | 1.6898% | 208 |
| Net interest margin | 3.6689% | 3,031 |
| Noninterest income to average assets | 0.1087% | 4,961 |
| Noninterest expense to average assets | 2.5813% | 3,212 |
| Loan and lease loss provision to assets | 0.0151% | 3,604 |
| Net operating income to assets | 0.7621% | 3,803 |
| Return on assets (ROA) | 0.7621% | 3,872 |
| Pretax return on assets | 1.0541% | 3,436 |
| Return on Equity (ROE) | 4.5347% | 4,470 |
| Retained earnings to average equity (ytd only) | -2.2000% | 4,938 |
| Net charge-offs to loans | 0.0020% | 3,372 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 707.5993% | 135 |
| Efficiency ratio | 70.0703% | 2,105 |
| Assets per employee ($millions) | 5.6640% | 1,874 |
| Cash dividends to net income (ytd only)* | 148.5152% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,569 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 1,267 |
| Noncurrent loans to loans | 0.7643% | 2,061 |
| Net loans and leases to total assets | 74.3048% | 1,755 |
| Net loans and leases to deposits | 93.6753% | 1,250 |
| Net loans and leases to core deposits | 108.5458% | 1,018 |
| Total domestic deposits to total assets | 79.3217% | 4,112 |
| Equity capital to assets | 16.3340% | 581 |
| Core capital (leverage) ratio | 16.6735% | 478 |
| Tier 1 risk-based capital ratio | 20.1462% | 1,342 |
| Total risk-based capital ratio | 21.3969% | 1,310 |
| Memoranda: | ||
| Average total assets | $176,701,750 | 3,083 |
| Average earning assets | $170,584,250 | 3,003 |
| Average equity | $29,696,000 | 2,428 |
| Average total loans | $132,675,750 | 2,826 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3959% | 689 |
| Cost of funding earning assets | 1.6736% | 201 |
| Net interest margin | 3.7222% | 2,864 |
| Noninterest income to average assets | 0.1027% | 5,026 |
| Noninterest expense to average assets | 2.6806% | 2,974 |
| Loan and lease loss provision to assets | 0.0228% | 3,347 |
| Net operating income to assets | 0.7204% | 3,931 |
| Return on assets (ROA) | 0.7204% | 3,991 |
| Pretax return on assets | 0.9921% | 3,574 |
| Return on Equity (ROE) | 4.2454% | 4,531 |
| Retained earnings to average equity (ytd only) | -1.0428% | 4,830 |
| Net charge-offs to loans | -0.0944% | 4,992 |
| Credit loss provision to net charge-offs | -32.2581% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9184% | 1,937 |
| Assets per employee ($millions) | 5.3332% | 2,114 |
| Cash dividends to net income (ytd only)* | 124.5642% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,351 |
| Loan loss allowance to noncurrent loans | 98.4569% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.7659% | 578 |
| Noncurrent loans to loans | 1.4969% | 1,034 |
| Net loans and leases to total assets | 75.1352% | 1,699 |
| Net loans and leases to deposits | 95.6360% | 1,077 |
| Net loans and leases to core deposits | 111.2612% | 900 |
| Total domestic deposits to total assets | 78.5637% | 4,304 |
| Equity capital to assets | 17.0112% | 464 |
| Core capital (leverage) ratio | 17.0887% | 418 |
| Tier 1 risk-based capital ratio | 20.9278% | 1,186 |
| Total risk-based capital ratio | 22.1793% | 1,172 |
| Memoranda: | ||
| Average total assets | $175,186,330 | 3,109 |
| Average earning assets | $169,091,670 | 3,037 |
| Average equity | $29,726,330 | 2,416 |
| Average total loans | $131,371,000 | 2,851 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 741 |
| Cost of funding earning assets | 1.6141% | 216 |
| Net interest margin | 3.6974% | 2,903 |
| Noninterest income to average assets | 0.0961% | 5,095 |
| Noninterest expense to average assets | 2.8333% | 2,463 |
| Loan and lease loss provision to assets | 0.0458% | 2,730 |
| Net operating income to assets | 0.5721% | 4,327 |
| Return on assets (ROA) | 0.5721% | 4,358 |
| Pretax return on assets | 0.7873% | 4,074 |
| Return on Equity (ROE) | 3.3761% | 4,702 |
| Retained earnings to average equity (ytd only) | -7.2384% | 5,011 |
| Net charge-offs to loans | -0.1847% | 5,164 |
| Credit loss provision to net charge-offs | -33.3333% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6542% | 1,428 |
| Assets per employee ($millions) | 5.5295% | 1,956 |
| Cash dividends to net income (ytd only)* | 314.4000% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,374 |
| Loan loss allowance to noncurrent loans | 149.3575% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3891% | 909 |
| Noncurrent loans to loans | 0.9955% | 1,681 |
| Net loans and leases to total assets | 73.9923% | 1,806 |
| Net loans and leases to deposits | 92.7040% | 1,317 |
| Net loans and leases to core deposits | 105.3553% | 1,214 |
| Total domestic deposits to total assets | 79.8156% | 4,200 |
| Equity capital to assets | 16.6267% | 487 |
| Core capital (leverage) ratio | 17.0236% | 420 |
| Tier 1 risk-based capital ratio | 21.1888% | 1,140 |
| Total risk-based capital ratio | 22.4402% | 1,120 |
| Memoranda: | ||
| Average total assets | $174,781,500 | 3,146 |
| Average earning assets | $168,767,000 | 3,068 |
| Average equity | $29,620,000 | 2,426 |
| Average total loans | $129,950,000 | 2,905 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 794 |
| Cost of funding earning assets | 1.2499% | 272 |
| Net interest margin | 3.8814% | 2,391 |
| Noninterest income to average assets | 0.2720% | 4,285 |
| Noninterest expense to average assets | 2.6101% | 3,309 |
| Loan and lease loss provision to assets | 0.2789% | 599 |
| Net operating income to assets | 0.8105% | 3,763 |
| Return on assets (ROA) | 0.8105% | 3,767 |
| Pretax return on assets | 1.1086% | 3,234 |
| Return on Equity (ROE) | 4.4826% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.1399% | 3,282 |
| Net charge-offs to loans | 0.1097% | 1,649 |
| Credit loss provision to net charge-offs | 321.4286% | 975 |
| Earnings coverage of net charge-offs (x) | 15.9929% | 2,283 |
| Efficiency ratio | 64.6566% | 3,092 |
| Assets per employee ($millions) | 5.0770% | 2,402 |
| Cash dividends to net income (ytd only)* | 7.6453% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,316 |
| Loan loss allowance to noncurrent loans | 234.3634% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 1,285 |
| Noncurrent loans to loans | 0.6370% | 2,394 |
| Net loans and leases to total assets | 72.4735% | 2,180 |
| Net loans and leases to deposits | 91.7278% | 1,584 |
| Net loans and leases to core deposits | 108.0113% | 1,117 |
| Total domestic deposits to total assets | 79.0093% | 4,307 |
| Equity capital to assets | 17.2750% | 398 |
| Core capital (leverage) ratio | 17.9393% | 333 |
| Tier 1 risk-based capital ratio | 22.6745% | 945 |
| Total risk-based capital ratio | 23.9266% | 920 |
| Memoranda: | ||
| Average total assets | $161,374,200 | 3,257 |
| Average earning assets | $154,891,600 | 3,183 |
| Average equity | $29,179,600 | 2,384 |
| Average total loans | $127,604,800 | 2,906 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 804 |
| Cost of funding earning assets | 1.1380% | 344 |
| Net interest margin | 3.9344% | 2,179 |
| Noninterest income to average assets | 0.3380% | 3,897 |
| Noninterest expense to average assets | 2.6084% | 3,258 |
| Loan and lease loss provision to assets | 0.3448% | 395 |
| Net operating income to assets | 0.8417% | 3,770 |
| Return on assets (ROA) | 0.8417% | 3,773 |
| Pretax return on assets | 1.1553% | 3,175 |
| Return on Equity (ROE) | 4.5991% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.1396% | 3,703 |
| Net charge-offs to loans | 0.1472% | 1,123 |
| Credit loss provision to net charge-offs | 290.7801% | 1,050 |
| Earnings coverage of net charge-offs (x) | 12.6522% | 2,436 |
| Efficiency ratio | 62.8530% | 3,367 |
| Assets per employee ($millions) | 4.8295% | 2,682 |
| Cash dividends to net income (ytd only)* | 9.9900% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,792 |
| Loan loss allowance to noncurrent loans | 247.9947% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 1,013 |
| Noncurrent loans to loans | 0.5554% | 2,717 |
| Net loans and leases to total assets | 80.8906% | 886 |
| Net loans and leases to deposits | 103.2726% | 584 |
| Net loans and leases to core deposits | 123.1722% | 485 |
| Total domestic deposits to total assets | 78.3273% | 4,434 |
| Equity capital to assets | 17.8920% | 341 |
| Core capital (leverage) ratio | 17.7632% | 352 |
| Tier 1 risk-based capital ratio | 21.0444% | 1,178 |
| Total risk-based capital ratio | 22.2949% | 1,158 |
| Memoranda: | ||
| Average total assets | $158,563,000 | 3,327 |
| Average earning assets | $151,956,500 | 3,250 |
| Average equity | $29,019,500 | 2,403 |
| Average total loans | $127,756,250 | 2,931 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 965 |
| Cost of funding earning assets | 1.0059% | 465 |
| Net interest margin | 3.9185% | 2,147 |
| Noninterest income to average assets | 0.3638% | 3,719 |
| Noninterest expense to average assets | 2.5874% | 3,368 |
| Loan and lease loss provision to assets | 0.3842% | 323 |
| Net operating income to assets | 0.8335% | 3,742 |
| Return on assets (ROA) | 0.8335% | 3,745 |
| Pretax return on assets | 1.1463% | 3,146 |
| Return on Equity (ROE) | 4.5191% | 4,687 |
| Retained earnings to average equity (ytd only) | 3.8270% | 3,689 |
| Net charge-offs to loans | 0.2694% | 593 |
| Credit loss provision to net charge-offs | 178.1065% | 1,408 |
| Earnings coverage of net charge-offs (x) | 7.0947% | 2,576 |
| Efficiency ratio | 62.2133% | 3,596 |
| Assets per employee ($millions) | 4.5492% | 3,051 |
| Cash dividends to net income (ytd only)* | 15.3139% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,137 |
| Loan loss allowance to noncurrent loans | 195.4494% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3980% | 991 |
| Noncurrent loans to loans | 0.6687% | 2,435 |
| Net loans and leases to total assets | 81.4743% | 775 |
| Net loans and leases to deposits | 99.8468% | 817 |
| Net loans and leases to core deposits | 118.0112% | 630 |
| Total domestic deposits to total assets | 81.5993% | 3,841 |
| Equity capital to assets | 18.2663% | 305 |
| Core capital (leverage) ratio | 18.7602% | 282 |
| Tier 1 risk-based capital ratio | 21.5572% | 1,094 |
| Total risk-based capital ratio | 22.8067% | 1,069 |
| Memoranda: | ||
| Average total assets | $156,683,330 | 3,358 |
| Average earning assets | $150,108,000 | 3,293 |
| Average equity | $28,899,670 | 2,422 |
| Average total loans | $125,448,670 | 2,976 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 1,306 |
| Cost of funding earning assets | 0.9365% | 495 |
| Net interest margin | 3.7648% | 2,565 |
| Noninterest income to average assets | 0.2419% | 4,555 |
| Noninterest expense to average assets | 2.5223% | 3,579 |
| Loan and lease loss provision to assets | 0.1673% | 1,063 |
| Net operating income to assets | 0.8442% | 3,529 |
| Return on assets (ROA) | 0.8442% | 3,546 |
| Pretax return on assets | 1.1633% | 2,914 |
| Return on Equity (ROE) | 4.5544% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.5544% | 3,380 |
| Net charge-offs to loans | -0.0065% | 4,099 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7963% | 3,355 |
| Assets per employee ($millions) | 4.5509% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 2,008 |
| Loan loss allowance to noncurrent loans | 187.8409% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 899 |
| Noncurrent loans to loans | 0.7204% | 2,409 |
| Net loans and leases to total assets | 77.8824% | 1,262 |
| Net loans and leases to deposits | 96.3386% | 1,000 |
| Net loans and leases to core deposits | 110.0790% | 1,006 |
| Total domestic deposits to total assets | 80.8424% | 4,235 |
| Equity capital to assets | 18.6820% | 269 |
| Core capital (leverage) ratio | 18.6732% | 272 |
| Tier 1 risk-based capital ratio | 22.5141% | 989 |
| Total risk-based capital ratio | 23.7646% | 970 |
| Memoranda: | ||
| Average total assets | $155,414,000 | 3,411 |
| Average earning assets | $149,064,500 | 3,346 |
| Average equity | $28,807,500 | 2,447 |
| Average total loans | $122,451,500 | 3,032 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 1,191 |
| Cost of funding earning assets | 0.7768% | 709 |
| Net interest margin | 3.9244% | 2,012 |
| Noninterest income to average assets | 0.1125% | 5,362 |
| Noninterest expense to average assets | 2.6384% | 3,324 |
| Loan and lease loss provision to assets | 0.5295% | 247 |
| Net operating income to assets | 0.3980% | 4,696 |
| Return on assets (ROA) | 0.3980% | 4,715 |
| Pretax return on assets | 0.6900% | 4,531 |
| Return on Equity (ROE) | 2.1223% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.1223% | 4,047 |
| Net charge-offs to loans | 0.1968% | 1,298 |
| Credit loss provision to net charge-offs | 351.5284% | 836 |
| Earnings coverage of net charge-offs (x) | 8.0961% | 2,957 |
| Efficiency ratio | 67.6897% | 2,955 |
| Assets per employee ($millions) | 4.7302% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,255 |
| Loan loss allowance to noncurrent loans | 173.5230% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5484% | 865 |
| Noncurrent loans to loans | 0.7447% | 2,344 |
| Net loans and leases to total assets | 77.6157% | 1,336 |
| Net loans and leases to deposits | 95.5873% | 1,124 |
| Net loans and leases to core deposits | 116.9811% | 690 |
| Total domestic deposits to total assets | 81.1987% | 4,072 |
| Equity capital to assets | 18.3912% | 286 |
| Core capital (leverage) ratio | 18.2359% | 281 |
| Tier 1 risk-based capital ratio | 23.7514% | 839 |
| Total risk-based capital ratio | 25.0017% | 823 |
| Memoranda: | ||
| Average total assets | $152,023,800 | 3,444 |
| Average earning assets | $145,091,200 | 3,383 |
| Average equity | $28,507,200 | 2,461 |
| Average total loans | $116,345,000 | 3,102 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,348 |
| Cost of funding earning assets | 0.7385% | 807 |
| Net interest margin | 3.8693% | 2,148 |
| Noninterest income to average assets | 0.0945% | 5,494 |
| Noninterest expense to average assets | 2.6488% | 3,250 |
| Loan and lease loss provision to assets | 0.4680% | 266 |
| Net operating income to assets | 0.4582% | 4,857 |
| Return on assets (ROA) | 0.4582% | 4,888 |
| Pretax return on assets | 0.6649% | 4,691 |
| Return on Equity (ROE) | 2.4317% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.4317% | 4,433 |
| Net charge-offs to loans | 0.1720% | 1,214 |
| Credit loss provision to net charge-offs | 358.1081% | 847 |
| Earnings coverage of net charge-offs (x) | 8.6688% | 2,751 |
| Efficiency ratio | 69.3439% | 2,645 |
| Assets per employee ($millions) | 4.9852% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,335 |
| Loan loss allowance to noncurrent loans | 183.6412% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 965 |
| Noncurrent loans to loans | 0.6133% | 2,876 |
| Net loans and leases to total assets | 76.6037% | 1,482 |
| Net loans and leases to deposits | 93.8204% | 1,318 |
| Net loans and leases to core deposits | 114.5114% | 809 |
| Total domestic deposits to total assets | 81.6493% | 3,883 |
| Equity capital to assets | 18.0129% | 336 |
| Core capital (leverage) ratio | 18.1811% | 295 |
| Tier 1 risk-based capital ratio | 22.8036% | 960 |
| Total risk-based capital ratio | 23.9116% | 963 |
| Memoranda: | ||
| Average total assets | $151,005,750 | 3,488 |
| Average earning assets | $143,897,750 | 3,429 |
| Average equity | $28,457,000 | 2,482 |
| Average total loans | $114,746,000 | 3,152 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,570 |
| Cost of funding earning assets | 0.7039% | 877 |
| Net interest margin | 3.7765% | 2,378 |
| Noninterest income to average assets | 0.0351% | 5,674 |
| Noninterest expense to average assets | 2.6875% | 3,130 |
| Loan and lease loss provision to assets | 0.4050% | 320 |
| Net operating income to assets | 0.5345% | 4,592 |
| Return on assets (ROA) | 0.5345% | 4,627 |
| Pretax return on assets | 0.5345% | 4,944 |
| Return on Equity (ROE) | 2.7922% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.7922% | 4,037 |
| Net charge-offs to loans | -0.0304% | 4,961 |
| Credit loss provision to net charge-offs | -1,764.7059% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0975% | 1,998 |
| Assets per employee ($millions) | 4.9447% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,507 |
| Loan loss allowance to noncurrent loans | 142.3820% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.7158% | 825 |
| Noncurrent loans to loans | 0.7820% | 2,450 |
| Net loans and leases to total assets | 74.4778% | 1,780 |
| Net loans and leases to deposits | 91.1790% | 1,585 |
| Net loans and leases to core deposits | 110.9211% | 959 |
| Total domestic deposits to total assets | 81.6831% | 3,979 |
| Equity capital to assets | 18.1026% | 322 |
| Core capital (leverage) ratio | 18.7392% | 256 |
| Tier 1 risk-based capital ratio | 24.1535% | 838 |
| Total risk-based capital ratio | 25.2774% | 826 |
| Memoranda: | ||
| Average total assets | $148,166,000 | 3,545 |
| Average earning assets | $140,922,330 | 3,482 |
| Average equity | $28,364,330 | 2,482 |
| Average total loans | $111,796,670 | 3,195 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 1,544 |
| Cost of funding earning assets | 0.6904% | 880 |
| Net interest margin | 3.7440% | 2,332 |
| Noninterest income to average assets | 0.0084% | 5,799 |
| Noninterest expense to average assets | 2.6493% | 3,306 |
| Loan and lease loss provision to assets | 0.4192% | 263 |
| Net operating income to assets | 0.4863% | 4,650 |
| Return on assets (ROA) | 0.4863% | 4,676 |
| Pretax return on assets | 0.4863% | 4,995 |
| Return on Equity (ROE) | 2.4659% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.4659% | 4,156 |
| Net charge-offs to loans | -0.0333% | 4,983 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5283% | 2,138 |
| Assets per employee ($millions) | 5.0052% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 4,043 |
| Loan loss allowance to noncurrent loans | 172.1649% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9007% | 721 |
| Noncurrent loans to loans | 0.6031% | 3,011 |
| Net loans and leases to total assets | 74.1942% | 1,705 |
| Net loans and leases to deposits | 91.7172% | 1,353 |
| Net loans and leases to core deposits | 111.5811% | 793 |
| Total domestic deposits to total assets | 80.8945% | 4,437 |
| Equity capital to assets | 18.8617% | 254 |
| Core capital (leverage) ratio | 19.5759% | 211 |
| Tier 1 risk-based capital ratio | 24.2857% | 840 |
| Total risk-based capital ratio | 25.2893% | 849 |
| Memoranda: | ||
| Average total assets | $143,133,500 | 3,642 |
| Average earning assets | $135,576,500 | 3,596 |
| Average equity | $28,224,500 | 2,498 |
| Average total loans | $108,108,000 | 3,275 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,249 |
| Cost of funding earning assets | 0.5210% | 1,935 |
| Net interest margin | 4.0925% | 1,394 |
| Noninterest income to average assets | 0.0715% | 5,721 |
| Noninterest expense to average assets | 3.3227% | 1,532 |
| Loan and lease loss provision to assets | 0.6878% | 183 |
| Net operating income to assets | -0.1064% | 5,688 |
| Return on assets (ROA) | -0.1055% | 5,700 |
| Pretax return on assets | -0.1055% | 5,697 |
| Return on Equity (ROE) | -0.4193% | 5,679 |
| Retained earnings to average equity (ytd only) | -0.4193% | 5,366 |
| Net charge-offs to loans | -0.0543% | 5,418 |
| Credit loss provision to net charge-offs | -1,785.7143% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1069% | 894 |
| Assets per employee ($millions) | 4.6935% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 4,460 |
| Loan loss allowance to noncurrent loans | 103.0612% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.6729% | 930 |
| Noncurrent loans to loans | 0.9456% | 2,196 |
| Net loans and leases to total assets | 75.4017% | 1,616 |
| Net loans and leases to deposits | 95.3332% | 1,062 |
| Net loans and leases to core deposits | 111.4744% | 805 |
| Total domestic deposits to total assets | 79.0928% | 4,771 |
| Equity capital to assets | 20.6648% | 188 |
| Core capital (leverage) ratio | 21.3634% | 155 |
| Tier 1 risk-based capital ratio | 26.7847% | 636 |
| Total risk-based capital ratio | 27.7455% | 640 |
| Memoranda: | ||
| Average total assets | $109,039,000 | 4,187 |
| Average earning assets | $102,113,400 | 4,162 |
| Average equity | $27,429,000 | 2,543 |
| Average total loans | $77,399,200 | 3,862 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,264 |
| Cost of funding earning assets | 0.4688% | 2,374 |
| Net interest margin | 4.1450% | 1,267 |
| Noninterest income to average assets | 0.0860% | 5,752 |
| Noninterest expense to average assets | 3.4809% | 1,185 |
| Loan and lease loss provision to assets | 0.6779% | 166 |
| Net operating income to assets | -0.2112% | 5,794 |
| Return on assets (ROA) | -0.2099% | 5,805 |
| Pretax return on assets | -0.2099% | 5,796 |
| Return on Equity (ROE) | -0.7876% | 5,771 |
| Retained earnings to average equity (ytd only) | -0.7876% | 5,474 |
| Net charge-offs to loans | -0.0809% | 5,505 |
| Credit loss provision to net charge-offs | -1,209.3023% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1770% | 665 |
| Assets per employee ($millions) | 4.1148% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 5,082 |
| Loan loss allowance to noncurrent loans | 102.8986% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 1,002 |
| Noncurrent loans to loans | 0.8131% | 2,637 |
| Net loans and leases to total assets | 74.9820% | 1,706 |
| Net loans and leases to deposits | 97.6763% | 885 |
| Net loans and leases to core deposits | 113.8752% | 724 |
| Total domestic deposits to total assets | 76.7658% | 5,128 |
| Equity capital to assets | 22.9523% | 138 |
| Core capital (leverage) ratio | 23.6597% | 116 |
| Tier 1 risk-based capital ratio | 28.6162% | 545 |
| Total risk-based capital ratio | 29.4115% | 565 |
| Memoranda: | ||
| Average total assets | $102,271,000 | 4,350 |
| Average earning assets | $95,276,000 | 4,320 |
| Average equity | $27,254,500 | 2,571 |
| Average total loans | $70,839,000 | 4,053 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 1,413 |
| Cost of funding earning assets | 0.4014% | 3,029 |
| Net interest margin | 4.1356% | 1,277 |
| Noninterest income to average assets | 0.1302% | 5,669 |
| Noninterest expense to average assets | 3.7201% | 853 |
| Loan and lease loss provision to assets | 0.6302% | 176 |
| Net operating income to assets | -0.3676% | 5,896 |
| Return on assets (ROA) | -0.3655% | 5,906 |
| Pretax return on assets | -0.3655% | 5,897 |
| Return on Equity (ROE) | -1.2939% | 5,851 |
| Retained earnings to average equity (ytd only) | -1.2939% | 5,470 |
| Net charge-offs to loans | -0.1137% | 5,665 |
| Credit loss provision to net charge-offs | -833.3333% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4072% | 435 |
| Assets per employee ($millions) | 3.4774% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 5,564 |
| Loan loss allowance to noncurrent loans | 71.2082% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.0642% | 777 |
| Noncurrent loans to loans | 0.9509% | 2,381 |
| Net loans and leases to total assets | 73.0250% | 2,011 |
| Net loans and leases to deposits | 98.3646% | 848 |
| Net loans and leases to core deposits | 111.5137% | 842 |
| Total domestic deposits to total assets | 74.2391% | 5,493 |
| Equity capital to assets | 25.4536% | 92 |
| Core capital (leverage) ratio | 26.9448% | 74 |
| Tier 1 risk-based capital ratio | 32.9149% | 387 |
| Total risk-based capital ratio | 33.5642% | 395 |
| Memoranda: | ||
| Average total assets | $95,213,670 | 4,511 |
| Average earning assets | $88,692,330 | 4,493 |
| Average equity | $26,895,000 | 2,602 |
| Average total loans | $63,338,330 | 4,249 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 1,734 |
| Cost of funding earning assets | 0.3361% | 3,769 |
| Net interest margin | 4.0874% | 1,378 |
| Noninterest income to average assets | 0.1376% | 5,660 |
| Noninterest expense to average assets | 3.9962% | 604 |
| Loan and lease loss provision to assets | 0.5047% | 243 |
| Net operating income to assets | -0.5689% | 5,980 |
| Return on assets (ROA) | -0.5643% | 5,985 |
| Pretax return on assets | -0.5643% | 5,976 |
| Return on Equity (ROE) | -1.8793% | 5,904 |
| Retained earnings to average equity (ytd only) | -1.8793% | 5,376 |
| Net charge-offs to loans | -0.0665% | 5,467 |
| Credit loss provision to net charge-offs | -1,222.2222% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6336% | 254 |
| Assets per employee ($millions) | 3.2766% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5172% | 5,848 |
| Loan loss allowance to noncurrent loans | 47.4648% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.3673% | 655 |
| Noncurrent loans to loans | 1.0897% | 2,212 |
| Net loans and leases to total assets | 65.9413% | 2,958 |
| Net loans and leases to deposits | 93.0398% | 1,222 |
| Net loans and leases to core deposits | 99.7707% | 1,499 |
| Total domestic deposits to total assets | 70.8743% | 5,828 |
| Equity capital to assets | 28.8266% | 62 |
| Core capital (leverage) ratio | 33.9887% | 55 |
| Tier 1 risk-based capital ratio | 40.8297% | 223 |
| Total risk-based capital ratio | 41.3189% | 227 |
| Memoranda: | ||
| Average total assets | $87,182,000 | 4,704 |
| Average earning assets | $80,931,000 | 4,682 |
| Average equity | $26,180,500 | 2,647 |
| Average total loans | $54,100,500 | 4,551 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4956% | 6,162 |
| Cost of funding earning assets | 0.0406% | 6,116 |
| Net interest margin | 0.4549% | 6,161 |
| Noninterest income to average assets | -0.0019% | 6,116 |
| Noninterest expense to average assets | 0.8304% | 6,139 |
| Loan and lease loss provision to assets | 0.4058% | 327 |
| Net operating income to assets | -0.8153% | 6,088 |
| Return on assets (ROA) | -0.8153% | 6,087 |
| Pretax return on assets | -0.8153% | 6,082 |
| Return on Equity (ROE) | -5.7626% | 6,060 |
| Retained earnings to average equity (ytd only) | -5.7626% | 5,949 |
| Net charge-offs to loans | -0.0028% | 4,904 |
| Credit loss provision to net charge-offs | -21,500.0000% | 5,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.3094% | 14 |
| Assets per employee ($millions) | 2.6230% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5064% | 5,915 |
| Loan loss allowance to noncurrent loans | 17.2605% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 3.2748% | 384 |
| Noncurrent loans to loans | 2.9341% | 557 |
| Net loans and leases to total assets | 56.3024% | 4,273 |
| Net loans and leases to deposits | 82.7559% | 2,504 |
| Net loans and leases to core deposits | 89.3104% | 2,466 |
| Total domestic deposits to total assets | 68.0343% | 5,972 |
| Equity capital to assets | 31.5844% | 60 |
| Core capital (leverage) ratio | 41.1535% | 46 |
| Tier 1 risk-based capital ratio | 51.0677% | 121 |
| Total risk-based capital ratio | 51.5327% | 123 |
| Memoranda: | ||
| Average total assets | $52,984,000 | 5,483 |
| Average earning assets | $49,237,600 | 5,455 |
| Average equity | $7,496,600 | 5,149 |
| Average total loans | $36,163,800 | 5,150 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 1,875 |
| Cost of funding earning assets | 0.4513% | 2,670 |
| Net interest margin | 3.9648% | 1,826 |
| Noninterest income to average assets | -0.1751% | 6,247 |
| Noninterest expense to average assets | 3.7870% | 867 |
| Loan and lease loss provision to assets | 0.2909% | 519 |
| Net operating income to assets | -0.5563% | 6,148 |
| Return on assets (ROA) | -0.5168% | 6,145 |
| Pretax return on assets | -0.5168% | 6,139 |
| Return on Equity (ROE) | -7.2519% | 6,158 |
| Retained earnings to average equity (ytd only) | -7.2519% | 6,080 |
| Net charge-offs to loans | 0.2903% | 915 |
| Credit loss provision to net charge-offs | 137.3333% | 1,796 |
| Earnings coverage of net charge-offs (x) | -1.2533% | 4,062 |
| Efficiency ratio | 107.5381% | 173 |
| Assets per employee ($millions) | 2.2589% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 761 |
| Loan loss allowance to noncurrent loans | 51.5976% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 5.9865% | 142 |
| Noncurrent loans to loans | 4.0935% | 305 |
| Net loans and leases to total assets | 70.7838% | 2,267 |
| Net loans and leases to deposits | 75.8594% | 3,320 |
| Net loans and leases to core deposits | 81.0993% | 3,337 |
| Total domestic deposits to total assets | 93.3092% | 39 |
| Equity capital to assets | 6.5781% | 6,175 |
| Core capital (leverage) ratio | 6.8997% | 6,145 |
| Tier 1 risk-based capital ratio | 9.9664% | 6,050 |
| Total risk-based capital ratio | 11.2269% | 6,006 |
| Memoranda: | ||
| Average total assets | $47,213,500 | 5,675 |
| Average earning assets | $44,019,750 | 5,654 |
| Average equity | $3,364,500 | 6,019 |
| Average total loans | $34,443,500 | 5,266 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 1,786 |
| Cost of funding earning assets | 0.4554% | 2,660 |
| Net interest margin | 3.9650% | 1,759 |
| Noninterest income to average assets | -0.8278% | 6,339 |
| Noninterest expense to average assets | 3.7684% | 908 |
| Loan and lease loss provision to assets | 0.1509% | 1,409 |
| Net operating income to assets | -1.0305% | 6,263 |
| Return on assets (ROA) | -0.9701% | 6,262 |
| Pretax return on assets | -0.9701% | 6,256 |
| Return on Equity (ROE) | -13.2496% | 6,272 |
| Retained earnings to average equity (ytd only) | -13.2496% | 6,218 |
| Net charge-offs to loans | 0.3888% | 669 |
| Credit loss provision to net charge-offs | 53.0303% | 2,671 |
| Earnings coverage of net charge-offs (x) | -3.0909% | 3,800 |
| Efficiency ratio | 130.4478% | 77 |
| Assets per employee ($millions) | 2.2558% | 6,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0811% | 878 |
| Loan loss allowance to noncurrent loans | 79.8176% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 5.0388% | 217 |
| Noncurrent loans to loans | 2.6073% | 846 |
| Net loans and leases to total assets | 69.5263% | 2,398 |
| Net loans and leases to deposits | 74.7390% | 3,406 |
| Net loans and leases to core deposits | 80.1889% | 3,373 |
| Total domestic deposits to total assets | 93.0254% | 54 |
| Equity capital to assets | 6.8268% | 6,218 |
| Core capital (leverage) ratio | 6.7845% | 6,214 |
| Tier 1 risk-based capital ratio | 10.6011% | 5,884 |
| Total risk-based capital ratio | 11.8613% | 5,821 |
| Memoranda: | ||
| Average total assets | $46,386,330 | 5,758 |
| Average earning assets | $43,480,670 | 5,725 |
| Average equity | $3,396,330 | 6,079 |
| Average total loans | $33,946,330 | 5,327 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 1,760 |
| Cost of funding earning assets | 0.4329% | 2,944 |
| Net interest margin | 3.9693% | 1,654 |
| Noninterest income to average assets | 0.1220% | 5,993 |
| Noninterest expense to average assets | 3.5561% | 1,198 |
| Loan and lease loss provision to assets | 0.3051% | 470 |
| Net operating income to assets | 0.0174% | 5,998 |
| Return on assets (ROA) | 0.1395% | 5,881 |
| Pretax return on assets | 0.1395% | 5,912 |
| Return on Equity (ROE) | 1.8404% | 5,722 |
| Retained earnings to average equity (ytd only) | 1.8404% | 4,733 |
| Net charge-offs to loans | 0.7038% | 338 |
| Credit loss provision to net charge-offs | 58.3333% | 2,022 |
| Earnings coverage of net charge-offs (x) | 0.6167% | 3,031 |
| Efficiency ratio | 91.6854% | 734 |
| Assets per employee ($millions) | 2.1425% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 956 |
| Loan loss allowance to noncurrent loans | 26.3630% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 5.9212% | 175 |
| Noncurrent loans to loans | 7.8686% | 106 |
| Net loans and leases to total assets | 70.7060% | 2,041 |
| Net loans and leases to deposits | 76.4228% | 3,004 |
| Net loans and leases to core deposits | 82.0543% | 2,960 |
| Total domestic deposits to total assets | 92.5195% | 92 |
| Equity capital to assets | 7.3914% | 6,204 |
| Core capital (leverage) ratio | 7.5061% | 6,136 |
| Tier 1 risk-based capital ratio | 11.5108% | 5,553 |
| Total risk-based capital ratio | 12.7714% | 5,463 |
| Memoranda: | ||
| Average total assets | $45,893,500 | 5,821 |
| Average earning assets | $43,433,000 | 5,770 |
| Average equity | $3,477,500 | 6,129 |
| Average total loans | $34,101,500 | 5,368 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 2,774 |
| Cost of funding earning assets | 0.4383% | 3,301 |
| Net interest margin | 3.8129% | 2,580 |
| Noninterest income to average assets | -0.0852% | 6,445 |
| Noninterest expense to average assets | 3.9535% | 803 |
| Loan and lease loss provision to assets | 1.7035% | 42 |
| Net operating income to assets | -2.2429% | 6,463 |
| Return on assets (ROA) | -2.2429% | 6,462 |
| Pretax return on assets | -2.2429% | 6,456 |
| Return on Equity (ROE) | -24.4822% | 6,457 |
| Retained earnings to average equity (ytd only) | -24.4822% | 6,448 |
| Net charge-offs to loans | 1.3702% | 185 |
| Credit loss provision to net charge-offs | 171.0214% | 1,423 |
| Earnings coverage of net charge-offs (x) | -0.5416% | 4,767 |
| Efficiency ratio | 115.8004% | 151 |
| Assets per employee ($millions) | 2.3501% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 897 |
| Loan loss allowance to noncurrent loans | 26.6570% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 6.3672% | 179 |
| Noncurrent loans to loans | 8.0365% | 114 |
| Net loans and leases to total assets | 74.8852% | 1,436 |
| Net loans and leases to deposits | 81.2643% | 2,571 |
| Net loans and leases to core deposits | 88.8007% | 2,407 |
| Total domestic deposits to total assets | 92.1502% | 131 |
| Equity capital to assets | 7.7736% | 6,149 |
| Core capital (leverage) ratio | 7.9853% | 6,012 |
| Tier 1 risk-based capital ratio | 11.3157% | 5,760 |
| Total risk-based capital ratio | 12.5803% | 5,676 |
| Memoranda: | ||
| Average total assets | $42,266,000 | 5,979 |
| Average earning assets | $38,789,600 | 5,958 |
| Average equity | $3,872,200 | 6,116 |
| Average total loans | $30,725,800 | 5,540 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 3,062 |
| Cost of funding earning assets | 0.4398% | 3,370 |
| Net interest margin | 3.7403% | 2,857 |
| Noninterest income to average assets | -0.1504% | 6,542 |
| Noninterest expense to average assets | 4.0028% | 751 |
| Loan and lease loss provision to assets | 1.6830% | 48 |
| Net operating income to assets | -2.4350% | 6,543 |
| Return on assets (ROA) | -2.4350% | 6,545 |
| Pretax return on assets | -2.4350% | 6,542 |
| Return on Equity (ROE) | -25.5416% | 6,528 |
| Retained earnings to average equity (ytd only) | -25.5416% | 6,514 |
| Net charge-offs to loans | 1.8304% | 118 |
| Credit loss provision to net charge-offs | 128.2927% | 1,803 |
| Earnings coverage of net charge-offs (x) | -0.5732% | 4,507 |
| Efficiency ratio | 123.1299% | 117 |
| Assets per employee ($millions) | 2.1817% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 1,713 |
| Loan loss allowance to noncurrent loans | 19.5784% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 7.6763% | 141 |
| Noncurrent loans to loans | 9.1497% | 93 |
| Net loans and leases to total assets | 72.4766% | 1,769 |
| Net loans and leases to deposits | 79.6157% | 2,756 |
| Net loans and leases to core deposits | 87.0887% | 2,531 |
| Total domestic deposits to total assets | 91.0330% | 354 |
| Equity capital to assets | 8.8174% | 5,532 |
| Core capital (leverage) ratio | 8.7813% | 5,362 |
| Tier 1 risk-based capital ratio | 13.2261% | 4,713 |
| Total risk-based capital ratio | 14.4840% | 4,645 |
| Memoranda: | ||
| Average total assets | $41,669,750 | 6,063 |
| Average earning assets | $37,892,500 | 6,058 |
| Average equity | $3,972,500 | 6,164 |
| Average total loans | $29,865,000 | 5,623 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 3,272 |
| Cost of funding earning assets | 0.4515% | 3,314 |
| Net interest margin | 3.6652% | 3,091 |
| Noninterest income to average assets | -0.3977% | 6,645 |
| Noninterest expense to average assets | 3.9959% | 769 |
| Loan and lease loss provision to assets | 2.5202% | 25 |
| Net operating income to assets | -3.6078% | 6,636 |
| Return on assets (ROA) | -3.6078% | 6,637 |
| Pretax return on assets | -3.6078% | 6,637 |
| Return on Equity (ROE) | -36.9269% | 6,626 |
| Retained earnings to average equity (ytd only) | -36.9269% | 6,611 |
| Net charge-offs to loans | 0.0540% | 3,193 |
| Credit loss provision to net charge-offs | 6,575.0000% | 52 |
| Earnings coverage of net charge-offs (x) | -28.3750% | 4,344 |
| Efficiency ratio | 137.3970% | 73 |
| Assets per employee ($millions) | 2.0511% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2343% | 293 |
| Loan loss allowance to noncurrent loans | 32.6124% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 9.0781% | 114 |
| Noncurrent loans to loans | 9.9173% | 80 |
| Net loans and leases to total assets | 69.2872% | 2,189 |
| Net loans and leases to deposits | 76.3998% | 3,004 |
| Net loans and leases to core deposits | 83.6783% | 2,772 |
| Total domestic deposits to total assets | 90.6904% | 510 |
| Equity capital to assets | 8.9440% | 5,368 |
| Core capital (leverage) ratio | 8.7349% | 5,354 |
| Tier 1 risk-based capital ratio | 14.1578% | 4,146 |
| Total risk-based capital ratio | 15.4357% | 4,068 |
| Memoranda: | ||
| Average total assets | $41,742,330 | 6,116 |
| Average earning assets | $37,651,670 | 6,122 |
| Average equity | $4,078,330 | 6,187 |
| Average total loans | $29,623,000 | 5,673 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 4,405 |
| Cost of funding earning assets | 0.4456% | 3,477 |
| Net interest margin | 3.3736% | 4,249 |
| Noninterest income to average assets | 0.3420% | 4,642 |
| Noninterest expense to average assets | 3.8953% | 865 |
| Loan and lease loss provision to assets | 2.1376% | 34 |
| Net operating income to assets | -2.6697% | 6,681 |
| Return on assets (ROA) | -2.6697% | 6,679 |
| Pretax return on assets | -2.6697% | 6,672 |
| Return on Equity (ROE) | -26.2433% | 6,653 |
| Retained earnings to average equity (ytd only) | -26.2433% | 6,596 |
| Net charge-offs to loans | 0.0672% | 2,478 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | -11.2000% | 3,607 |
| Efficiency ratio | 115.8192% | 213 |
| Assets per employee ($millions) | 1.9875% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 1,148 |
| Loan loss allowance to noncurrent loans | 22.2830% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 10.1370% | 111 |
| Noncurrent loans to loans | 9.9082% | 100 |
| Net loans and leases to total assets | 69.1911% | 2,033 |
| Net loans and leases to deposits | 77.1176% | 2,671 |
| Net loans and leases to core deposits | 86.9509% | 2,202 |
| Total domestic deposits to total assets | 89.7216% | 1,231 |
| Equity capital to assets | 9.9238% | 3,935 |
| Core capital (leverage) ratio | 9.7293% | 3,956 |
| Tier 1 risk-based capital ratio | 15.5068% | 3,431 |
| Total risk-based capital ratio | 16.7728% | 3,394 |
| Memoranda: | ||
| Average total assets | $42,102,500 | 6,166 |
| Average earning assets | $37,704,000 | 6,180 |
| Average equity | $4,283,000 | 6,190 |
| Average total loans | $29,748,000 | 5,724 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,545 |
| Cost of funding earning assets | 0.4984% | 3,633 |
| Net interest margin | 4.2111% | 1,322 |
| Noninterest income to average assets | -0.7863% | 6,802 |
| Noninterest expense to average assets | 3.9314% | 946 |
| Loan and lease loss provision to assets | 0.4646% | 611 |
| Net operating income to assets | -1.3772% | 6,661 |
| Return on assets (ROA) | -1.3772% | 6,659 |
| Pretax return on assets | -1.3772% | 6,653 |
| Return on Equity (ROE) | -12.6217% | 6,613 |
| Retained earnings to average equity (ytd only) | -12.6217% | 6,581 |
| Net charge-offs to loans | 1.2566% | 415 |
| Credit loss provision to net charge-offs | 54.6218% | 3,715 |
| Earnings coverage of net charge-offs (x) | -1.0728% | 5,267 |
| Efficiency ratio | 130.2289% | 123 |
| Assets per employee ($millions) | 2.1234% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 3,455 |
| Loan loss allowance to noncurrent loans | 54.2033% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 4.3681% | 586 |
| Noncurrent loans to loans | 2.6598% | 1,386 |
| Net loans and leases to total assets | 69.5434% | 2,090 |
| Net loans and leases to deposits | 77.9358% | 2,731 |
| Net loans and leases to core deposits | 88.3930% | 2,200 |
| Total domestic deposits to total assets | 89.2316% | 1,467 |
| Equity capital to assets | 10.4175% | 3,267 |
| Core capital (leverage) ratio | 10.3181% | 3,128 |
| Tier 1 risk-based capital ratio | 16.7323% | 2,747 |
| Total risk-based capital ratio | 17.9888% | 2,694 |
| Memoranda: | ||
| Average total assets | $41,969,400 | 6,228 |
| Average earning assets | $37,924,000 | 6,225 |
| Average equity | $4,579,400 | 6,177 |
| Average total loans | $28,411,000 | 5,832 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,971 |
| Cost of funding earning assets | 0.4995% | 3,768 |
| Net interest margin | 4.0730% | 1,714 |
| Noninterest income to average assets | -1.1311% | 6,888 |
| Noninterest expense to average assets | 3.9574% | 897 |
| Loan and lease loss provision to assets | 0.4780% | 581 |
| Net operating income to assets | -1.8767% | 6,794 |
| Return on assets (ROA) | -1.8767% | 6,800 |
| Pretax return on assets | -1.8767% | 6,796 |
| Return on Equity (ROE) | -17.0045% | 6,752 |
| Retained earnings to average equity (ytd only) | -17.0045% | 6,730 |
| Net charge-offs to loans | 1.3988% | 356 |
| Credit loss provision to net charge-offs | 51.0204% | 3,476 |
| Earnings coverage of net charge-offs (x) | -1.4932% | 5,043 |
| Efficiency ratio | 154.6700% | 66 |
| Assets per employee ($millions) | 2.1610% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,051 |
| Loan loss allowance to noncurrent loans | 48.2833% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 4.6229% | 636 |
| Noncurrent loans to loans | 3.2919% | 1,183 |
| Net loans and leases to total assets | 64.4655% | 2,923 |
| Net loans and leases to deposits | 72.3050% | 3,475 |
| Net loans and leases to core deposits | 81.4702% | 2,937 |
| Total domestic deposits to total assets | 89.1578% | 1,474 |
| Equity capital to assets | 10.2013% | 3,643 |
| Core capital (leverage) ratio | 10.2985% | 3,245 |
| Tier 1 risk-based capital ratio | 16.9303% | 2,739 |
| Total risk-based capital ratio | 18.1860% | 2,699 |
| Memoranda: | ||
| Average total assets | $41,845,000 | 6,302 |
| Average earning assets | $37,907,500 | 6,301 |
| Average equity | $4,618,250 | 6,242 |
| Average total loans | $28,022,500 | 5,906 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,872 |
| Cost of funding earning assets | 0.5182% | 3,721 |
| Net interest margin | 4.0762% | 1,612 |
| Noninterest income to average assets | -1.6382% | 6,935 |
| Noninterest expense to average assets | 3.9578% | 910 |
| Loan and lease loss provision to assets | 0.7249% | 310 |
| Net operating income to assets | -2.6337% | 6,881 |
| Return on assets (ROA) | -2.6337% | 6,884 |
| Pretax return on assets | -2.6337% | 6,877 |
| Return on Equity (ROE) | -23.2509% | 6,839 |
| Retained earnings to average equity (ytd only) | -23.2509% | 6,817 |
| Net charge-offs to loans | 2.0984% | 210 |
| Credit loss provision to net charge-offs | 51.1945% | 3,191 |
| Earnings coverage of net charge-offs (x) | -1.3481% | 4,735 |
| Efficiency ratio | 193.1604% | 35 |
| Assets per employee ($millions) | 2.1180% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,017 |
| Loan loss allowance to noncurrent loans | 41.6281% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 6.1308% | 438 |
| Noncurrent loans to loans | 3.9358% | 1,002 |
| Net loans and leases to total assets | 63.7771% | 2,950 |
| Net loans and leases to deposits | 71.4444% | 3,526 |
| Net loans and leases to core deposits | 81.2976% | 2,885 |
| Total domestic deposits to total assets | 89.2682% | 1,469 |
| Equity capital to assets | 10.5123% | 3,288 |
| Core capital (leverage) ratio | 10.5140% | 2,866 |
| Tier 1 risk-based capital ratio | 17.8177% | 2,388 |
| Total risk-based capital ratio | 19.0741% | 2,350 |
| Memoranda: | ||
| Average total assets | $41,386,670 | 6,366 |
| Average earning assets | $37,437,000 | 6,359 |
| Average equity | $4,688,000 | 6,270 |
| Average total loans | $27,926,000 | 5,938 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 1,599 |
| Cost of funding earning assets | 0.5269% | 3,820 |
| Net interest margin | 4.1507% | 1,322 |
| Noninterest income to average assets | -3.6186% | 7,017 |
| Noninterest expense to average assets | 3.9315% | 961 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -3.7751% | 6,978 |
| Return on assets (ROA) | -3.7751% | 6,979 |
| Pretax return on assets | -3.7751% | 6,978 |
| Return on Equity (ROE) | -32.1299% | 6,936 |
| Retained earnings to average equity (ytd only) | -32.1299% | 6,906 |
| Net charge-offs to loans | -0.0284% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,512.5000% | 3 |
| Assets per employee ($millions) | 1.9750% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 1,823 |
| Loan loss allowance to noncurrent loans | 41.8425% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 6.1725% | 513 |
| Noncurrent loans to loans | 4.9916% | 768 |
| Net loans and leases to total assets | 67.2542% | 2,147 |
| Net loans and leases to deposits | 75.7818% | 2,670 |
| Net loans and leases to core deposits | 84.5858% | 2,254 |
| Total domestic deposits to total assets | 88.7472% | 1,835 |
| Equity capital to assets | 11.1202% | 2,825 |
| Core capital (leverage) ratio | 11.2606% | 2,047 |
| Tier 1 risk-based capital ratio | 18.2755% | 2,269 |
| Total risk-based capital ratio | 19.5395% | 2,228 |
| Memoranda: | ||
| Average total assets | $40,900,000 | 6,439 |
| Average earning assets | $37,198,500 | 6,426 |
| Average equity | $4,805,500 | 6,300 |
| Average total loans | $28,156,000 | 5,977 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 1,554 |
| Cost of funding earning assets | 0.6102% | 4,251 |
| Net interest margin | 4.3921% | 1,176 |
| Noninterest income to average assets | 0.3411% | 5,020 |
| Noninterest expense to average assets | 4.0641% | 907 |
| Loan and lease loss provision to assets | 0.0968% | 4,440 |
| Net operating income to assets | 0.1500% | 5,895 |
| Return on assets (ROA) | 0.1500% | 6,054 |
| Pretax return on assets | 0.1500% | 6,067 |
| Return on Equity (ROE) | 1.2404% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.2404% | 5,250 |
| Net charge-offs to loans | 0.2547% | 3,417 |
| Credit loss provision to net charge-offs | 55.5556% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.4167% | 4,744 |
| Efficiency ratio | 94.2761% | 784 |
| Assets per employee ($millions) | 1.9203% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1348% | 1,675 |
| Loan loss allowance to noncurrent loans | 35.4204% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 7.9725% | 346 |
| Noncurrent loans to loans | 6.0272% | 594 |
| Net loans and leases to total assets | 67.5247% | 2,275 |
| Net loans and leases to deposits | 77.1323% | 2,636 |
| Net loans and leases to core deposits | 86.5296% | 2,246 |
| Total domestic deposits to total assets | 87.5440% | 2,506 |
| Equity capital to assets | 12.3965% | 1,790 |
| Core capital (leverage) ratio | 12.2401% | 1,433 |
| Tier 1 risk-based capital ratio | 19.8129% | 1,726 |
| Total risk-based capital ratio | 21.0775% | 1,691 |
| Memoranda: | ||
| Average total assets | $41,338,000 | 6,456 |
| Average earning assets | $37,362,800 | 6,460 |
| Average equity | $4,998,200 | 6,288 |
| Average total loans | $28,272,800 | 6,028 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0577% | 1,539 |
| Cost of funding earning assets | 0.6255% | 4,407 |
| Net interest margin | 4.4321% | 1,132 |
| Noninterest income to average assets | 0.3494% | 5,017 |
| Noninterest expense to average assets | 4.0553% | 868 |
| Loan and lease loss provision to assets | 0.0321% | 5,377 |
| Net operating income to assets | 0.2597% | 5,753 |
| Return on assets (ROA) | 0.2597% | 5,944 |
| Pretax return on assets | 0.2597% | 6,022 |
| Return on Equity (ROE) | 2.1609% | 5,982 |
| Retained earnings to average equity (ytd only) | 2.1609% | 5,247 |
| Net charge-offs to loans | 0.2067% | 3,494 |
| Credit loss provision to net charge-offs | 22.7273% | 4,912 |
| Earnings coverage of net charge-offs (x) | 2.0680% | 4,235 |
| Efficiency ratio | 93.2891% | 822 |
| Assets per employee ($millions) | 1.8583% | 7,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 1,776 |
| Loan loss allowance to noncurrent loans | 50.0847% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 6.7290% | 543 |
| Noncurrent loans to loans | 4.3206% | 1,124 |
| Net loans and leases to total assets | 65.3572% | 2,765 |
| Net loans and leases to deposits | 74.6473% | 3,198 |
| Net loans and leases to core deposits | 82.9505% | 2,832 |
| Total domestic deposits to total assets | 87.5547% | 2,314 |
| Equity capital to assets | 12.2765% | 2,058 |
| Core capital (leverage) ratio | 12.1378% | 1,567 |
| Tier 1 risk-based capital ratio | 20.3191% | 1,679 |
| Total risk-based capital ratio | 21.5824% | 1,646 |
| Memoranda: | ||
| Average total assets | $41,591,000 | 6,528 |
| Average earning assets | $37,513,000 | 6,528 |
| Average equity | $4,998,000 | 6,361 |
| Average total loans | $28,385,000 | 6,095 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 1,629 |
| Cost of funding earning assets | 0.6459% | 4,477 |
| Net interest margin | 4.4153% | 1,162 |
| Noninterest income to average assets | 0.3634% | 4,929 |
| Noninterest expense to average assets | 3.7870% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5642% | 4,517 |
| Return on assets (ROA) | 0.5642% | 4,803 |
| Pretax return on assets | 0.5642% | 5,263 |
| Return on Equity (ROE) | 4.7285% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.7285% | 3,461 |
| Net charge-offs to loans | -0.0626% | 6,728 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0330% | 1,333 |
| Assets per employee ($millions) | 1.8859% | 7,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2025% | 1,759 |
| Loan loss allowance to noncurrent loans | 33.6161% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 7.3006% | 509 |
| Noncurrent loans to loans | 6.5518% | 637 |
| Net loans and leases to total assets | 67.8525% | 2,308 |
| Net loans and leases to deposits | 77.3874% | 2,772 |
| Net loans and leases to core deposits | 86.7630% | 2,328 |
| Total domestic deposits to total assets | 87.6790% | 2,350 |
| Equity capital to assets | 12.1837% | 2,014 |
| Core capital (leverage) ratio | 12.0090% | 1,595 |
| Tier 1 risk-based capital ratio | 19.8173% | 1,749 |
| Total risk-based capital ratio | 21.0485% | 1,726 |
| Memoranda: | ||
| Average total assets | $41,827,000 | 6,556 |
| Average earning assets | $37,777,330 | 6,564 |
| Average equity | $4,991,000 | 6,394 |
| Average total loans | $28,743,000 | 6,124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 1,589 |
| Cost of funding earning assets | 0.6855% | 4,406 |
| Net interest margin | 4.4084% | 1,211 |
| Noninterest income to average assets | 0.3905% | 4,739 |
| Noninterest expense to average assets | 3.9528% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4191% | 5,173 |
| Return on assets (ROA) | 0.4191% | 5,367 |
| Pretax return on assets | 0.4191% | 5,669 |
| Return on Equity (ROE) | 3.5491% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.5491% | 4,458 |
| Net charge-offs to loans | -0.1532% | 6,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4139% | 1,057 |
| Assets per employee ($millions) | 1.9465% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2245% | 1,836 |
| Loan loss allowance to noncurrent loans | 35.0578% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 6.9123% | 630 |
| Noncurrent loans to loans | 6.3452% | 754 |
| Net loans and leases to total assets | 65.3846% | 2,581 |
| Net loans and leases to deposits | 74.0518% | 3,119 |
| Net loans and leases to core deposits | 82.0315% | 2,830 |
| Total domestic deposits to total assets | 88.2957% | 2,136 |
| Equity capital to assets | 11.6319% | 2,319 |
| Core capital (leverage) ratio | 11.7969% | 1,713 |
| Tier 1 risk-based capital ratio | 19.8692% | 1,738 |
| Total risk-based capital ratio | 21.1337% | 1,712 |
| Memoranda: | ||
| Average total assets | $41,995,500 | 6,601 |
| Average earning assets | $37,927,500 | 6,608 |
| Average equity | $4,959,000 | 6,436 |
| Average total loans | $28,721,500 | 6,174 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 1,983 |
| Cost of funding earning assets | 0.8582% | 4,409 |
| Net interest margin | 4.3628% | 1,504 |
| Noninterest income to average assets | 0.3559% | 4,961 |
| Noninterest expense to average assets | 3.8816% | 1,209 |
| Loan and lease loss provision to assets | 0.1051% | 5,272 |
| Net operating income to assets | 0.2795% | 5,331 |
| Return on assets (ROA) | 0.2819% | 5,477 |
| Pretax return on assets | 0.2819% | 5,607 |
| Return on Equity (ROE) | 2.3796% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.3796% | 4,531 |
| Net charge-offs to loans | 0.0178% | 6,192 |
| Credit loss provision to net charge-offs | 880.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 32.2000% | 804 |
| Efficiency ratio | 90.9854% | 1,113 |
| Assets per employee ($millions) | 1.9604% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1696% | 1,860 |
| Loan loss allowance to noncurrent loans | 34.0785% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 7.3963% | 600 |
| Noncurrent loans to loans | 6.3665% | 753 |
| Net loans and leases to total assets | 68.4544% | 2,314 |
| Net loans and leases to deposits | 77.8465% | 2,867 |
| Net loans and leases to core deposits | 86.6472% | 2,552 |
| Total domestic deposits to total assets | 87.9351% | 2,204 |
| Equity capital to assets | 11.9920% | 2,134 |
| Core capital (leverage) ratio | 11.8844% | 1,668 |
| Tier 1 risk-based capital ratio | 19.9354% | 1,660 |
| Total risk-based capital ratio | 21.1993% | 1,630 |
| Memoranda: | ||
| Average total assets | $41,864,600 | 6,604 |
| Average earning assets | $37,522,200 | 6,620 |
| Average equity | $4,958,800 | 6,458 |
| Average total loans | $28,150,400 | 6,243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 2,154 |
| Cost of funding earning assets | 0.8991% | 4,405 |
| Net interest margin | 4.3148% | 1,662 |
| Noninterest income to average assets | 0.3552% | 5,015 |
| Noninterest expense to average assets | 3.9518% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2696% | 5,506 |
| Return on assets (ROA) | 0.2727% | 5,659 |
| Pretax return on assets | 0.2727% | 5,765 |
| Return on Equity (ROE) | 2.3097% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.3097% | 4,963 |
| Net charge-offs to loans | 0.0381% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.6214% | 1,900 |
| Efficiency ratio | 93.6138% | 939 |
| Assets per employee ($millions) | 2.0019% | 7,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 2,221 |
| Loan loss allowance to noncurrent loans | 38.6106% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 6.3156% | 828 |
| Noncurrent loans to loans | 5.2929% | 1,150 |
| Net loans and leases to total assets | 65.9031% | 2,922 |
| Net loans and leases to deposits | 74.9594% | 3,513 |
| Net loans and leases to core deposits | 83.6352% | 3,108 |
| Total domestic deposits to total assets | 87.9184% | 2,078 |
| Equity capital to assets | 11.9009% | 2,332 |
| Core capital (leverage) ratio | 12.1047% | 1,647 |
| Tier 1 risk-based capital ratio | 20.5159% | 1,557 |
| Total risk-based capital ratio | 21.7789% | 1,528 |
| Memoranda: | ||
| Average total assets | $42,038,500 | 6,657 |
| Average earning assets | $37,667,750 | 6,672 |
| Average equity | $4,964,250 | 6,509 |
| Average total loans | $27,986,250 | 6,303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 2,174 |
| Cost of funding earning assets | 0.9270% | 4,479 |
| Net interest margin | 4.2962% | 1,673 |
| Noninterest income to average assets | 0.3521% | 5,075 |
| Noninterest expense to average assets | 3.9488% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2617% | 5,510 |
| Return on assets (ROA) | 0.2617% | 5,636 |
| Pretax return on assets | 0.2617% | 5,774 |
| Return on Equity (ROE) | 2.2216% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.2216% | 4,881 |
| Net charge-offs to loans | 0.0215% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,267 |
| Efficiency ratio | 93.7853% | 994 |
| Assets per employee ($millions) | 1.8765% | 7,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 2,091 |
| Loan loss allowance to noncurrent loans | 50.3889% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 5.5373% | 1,066 |
| Noncurrent loans to loans | 4.1974% | 1,622 |
| Net loans and leases to total assets | 65.3570% | 3,172 |
| Net loans and leases to deposits | 74.4721% | 3,719 |
| Net loans and leases to core deposits | 84.4745% | 3,140 |
| Total domestic deposits to total assets | 87.7604% | 2,310 |
| Equity capital to assets | 12.0410% | 2,060 |
| Core capital (leverage) ratio | 11.7343% | 1,760 |
| Tier 1 risk-based capital ratio | 21.3137% | 1,361 |
| Total risk-based capital ratio | 22.5786% | 1,343 |
| Memoranda: | ||
| Average total assets | $42,038,330 | 6,719 |
| Average earning assets | $37,754,670 | 6,724 |
| Average equity | $4,951,330 | 6,553 |
| Average total loans | $27,887,330 | 6,370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 2,245 |
| Cost of funding earning assets | 0.9461% | 4,603 |
| Net interest margin | 4.2472% | 1,756 |
| Noninterest income to average assets | 0.3112% | 5,442 |
| Noninterest expense to average assets | 3.6968% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4244% | 4,832 |
| Return on assets (ROA) | 0.4244% | 4,923 |
| Pretax return on assets | 0.4244% | 5,263 |
| Return on Equity (ROE) | 3.6426% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.6426% | 3,991 |
| Net charge-offs to loans | 0.0143% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 626 |
| Efficiency ratio | 89.7025% | 1,358 |
| Assets per employee ($millions) | 2.0412% | 7,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1092% | 2,168 |
| Loan loss allowance to noncurrent loans | 46.9880% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 6.5345% | 850 |
| Noncurrent loans to loans | 4.4889% | 1,559 |
| Net loans and leases to total assets | 63.3384% | 3,576 |
| Net loans and leases to deposits | 71.7343% | 4,108 |
| Net loans and leases to core deposits | 81.7377% | 3,488 |
| Total domestic deposits to total assets | 88.2958% | 2,193 |
| Equity capital to assets | 11.5805% | 2,203 |
| Core capital (leverage) ratio | 11.7298% | 1,718 |
| Tier 1 risk-based capital ratio | 20.5646% | 1,462 |
| Total risk-based capital ratio | 21.8289% | 1,440 |
| Memoranda: | ||
| Average total assets | $42,415,500 | 6,744 |
| Average earning assets | $38,049,000 | 6,757 |
| Average equity | $4,941,500 | 6,586 |
| Average total loans | $28,048,500 | 6,415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4999% | 2,282 |
| Cost of funding earning assets | 1.2292% | 4,359 |
| Net interest margin | 4.2707% | 1,917 |
| Noninterest income to average assets | 0.3696% | 5,143 |
| Noninterest expense to average assets | 3.8915% | 1,329 |
| Loan and lease loss provision to assets | 0.1162% | 5,993 |
| Net operating income to assets | 0.1581% | 5,414 |
| Return on assets (ROA) | 0.1581% | 5,572 |
| Pretax return on assets | 0.1581% | 5,577 |
| Return on Equity (ROE) | 1.3813% | 5,593 |
| Retained earnings to average equity (ytd only) | 1.3813% | 4,850 |
| Net charge-offs to loans | 0.1358% | 5,558 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 2.9500% | 3,598 |
| Efficiency ratio | 93.4152% | 1,096 |
| Assets per employee ($millions) | 1.9984% | 7,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0661% | 2,140 |
| Loan loss allowance to noncurrent loans | 48.9557% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 6.3980% | 891 |
| Noncurrent loans to loans | 4.2204% | 1,715 |
| Net loans and leases to total assets | 66.1869% | 3,431 |
| Net loans and leases to deposits | 75.0642% | 4,011 |
| Net loans and leases to core deposits | 85.4173% | 3,411 |
| Total domestic deposits to total assets | 88.1738% | 2,138 |
| Equity capital to assets | 11.7214% | 2,107 |
| Core capital (leverage) ratio | 11.5139% | 1,824 |
| Tier 1 risk-based capital ratio | 19.2635% | 1,649 |
| Total risk-based capital ratio | 20.5250% | 1,620 |
| Memoranda: | ||
| Average total assets | $43,016,400 | 6,765 |
| Average earning assets | $38,237,000 | 6,784 |
| Average equity | $4,922,800 | 6,691 |
| Average total loans | $29,455,000 | 6,426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 2,156 |
| Cost of funding earning assets | 1.2909% | 4,276 |
| Net interest margin | 4.2858% | 1,895 |
| Noninterest income to average assets | 0.3450% | 5,409 |
| Noninterest expense to average assets | 3.7338% | 1,503 |
| Loan and lease loss provision to assets | 0.1078% | 5,955 |
| Net operating income to assets | 0.3081% | 5,136 |
| Return on assets (ROA) | 0.3081% | 5,309 |
| Pretax return on assets | 0.3081% | 5,485 |
| Return on Equity (ROE) | 2.7079% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.7079% | 4,531 |
| Net charge-offs to loans | 0.1525% | 5,086 |
| Credit loss provision to net charge-offs | 102.9412% | 4,174 |
| Earnings coverage of net charge-offs (x) | 3.9709% | 3,232 |
| Efficiency ratio | 89.9777% | 1,293 |
| Assets per employee ($millions) | 1.9646% | 7,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 2,117 |
| Loan loss allowance to noncurrent loans | 46.3454% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 7.4407% | 709 |
| Noncurrent loans to loans | 4.4079% | 1,649 |
| Net loans and leases to total assets | 64.0137% | 4,129 |
| Net loans and leases to deposits | 72.4407% | 4,772 |
| Net loans and leases to core deposits | 83.6220% | 4,006 |
| Total domestic deposits to total assets | 88.3670% | 1,752 |
| Equity capital to assets | 11.4548% | 2,568 |
| Core capital (leverage) ratio | 11.5152% | 1,931 |
| Tier 1 risk-based capital ratio | 19.0214% | 1,746 |
| Total risk-based capital ratio | 20.2821% | 1,706 |
| Memoranda: | ||
| Average total assets | $43,279,000 | 6,844 |
| Average earning assets | $38,421,000 | 6,858 |
| Average equity | $4,923,750 | 6,777 |
| Average total loans | $29,728,250 | 6,498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6846% | 1,821 |
| Cost of funding earning assets | 1.3391% | 4,262 |
| Net interest margin | 4.3455% | 1,611 |
| Noninterest income to average assets | 0.3464% | 5,379 |
| Noninterest expense to average assets | 3.5290% | 1,962 |
| Loan and lease loss provision to assets | 0.0924% | 5,993 |
| Net operating income to assets | 0.5774% | 3,964 |
| Return on assets (ROA) | 0.5774% | 4,105 |
| Pretax return on assets | 0.5774% | 4,637 |
| Return on Equity (ROE) | 5.0868% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.0868% | 2,856 |
| Net charge-offs to loans | 0.0926% | 5,208 |
| Credit loss provision to net charge-offs | 142.8571% | 2,780 |
| Earnings coverage of net charge-offs (x) | 10.3571% | 1,899 |
| Efficiency ratio | 84.0484% | 1,916 |
| Assets per employee ($millions) | 1.8612% | 7,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 2,268 |
| Loan loss allowance to noncurrent loans | 33.7587% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 7.6810% | 660 |
| Noncurrent loans to loans | 5.8178% | 1,113 |
| Net loans and leases to total assets | 67.8651% | 3,397 |
| Net loans and leases to deposits | 76.9298% | 4,166 |
| Net loans and leases to core deposits | 89.5144% | 3,340 |
| Total domestic deposits to total assets | 88.2169% | 1,875 |
| Equity capital to assets | 11.6243% | 2,336 |
| Core capital (leverage) ratio | 11.6605% | 1,831 |
| Tier 1 risk-based capital ratio | 18.9233% | 1,739 |
| Total risk-based capital ratio | 20.1864% | 1,706 |
| Memoranda: | ||
| Average total assets | $43,298,000 | 6,885 |
| Average earning assets | $38,384,330 | 6,915 |
| Average equity | $4,914,670 | 6,808 |
| Average total loans | $30,222,670 | 6,515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 1,782 |
| Cost of funding earning assets | 1.3888% | 4,251 |
| Net interest margin | 4.3115% | 1,654 |
| Noninterest income to average assets | 0.3583% | 5,272 |
| Noninterest expense to average assets | 3.5551% | 1,830 |
| Loan and lease loss provision to assets | 0.0459% | 6,212 |
| Net operating income to assets | 0.5787% | 3,992 |
| Return on assets (ROA) | 0.5787% | 4,132 |
| Pretax return on assets | 0.5787% | 4,688 |
| Return on Equity (ROE) | 5.1597% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.1597% | 3,065 |
| Net charge-offs to loans | -0.0131% | 6,958 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0549% | 1,903 |
| Assets per employee ($millions) | 1.8930% | 7,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 2,379 |
| Loan loss allowance to noncurrent loans | 46.5973% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 6.3574% | 909 |
| Noncurrent loans to loans | 4.1261% | 1,878 |
| Net loans and leases to total assets | 68.1879% | 3,343 |
| Net loans and leases to deposits | 76.9544% | 4,228 |
| Net loans and leases to core deposits | 91.2637% | 3,206 |
| Total domestic deposits to total assets | 88.6082% | 1,729 |
| Equity capital to assets | 11.2885% | 2,515 |
| Core capital (leverage) ratio | 11.3693% | 1,987 |
| Tier 1 risk-based capital ratio | 18.2223% | 1,893 |
| Total risk-based capital ratio | 19.4836% | 1,863 |
| Memoranda: | ||
| Average total assets | $43,543,500 | 6,969 |
| Average earning assets | $38,594,500 | 6,994 |
| Average equity | $4,884,000 | 6,883 |
| Average total loans | $30,517,500 | 6,584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1087% | 1,493 |
| Cost of funding earning assets | 1.6323% | 4,874 |
| Net interest margin | 4.4764% | 1,224 |
| Noninterest income to average assets | 0.3578% | 5,533 |
| Noninterest expense to average assets | 3.5506% | 2,265 |
| Loan and lease loss provision to assets | 1.8584% | 1,209 |
| Net operating income to assets | -0.9488% | 6,540 |
| Return on assets (ROA) | -0.9488% | 6,540 |
| Pretax return on assets | -0.9488% | 6,377 |
| Return on Equity (ROE) | -7.9139% | 6,463 |
| Retained earnings to average equity (ytd only) | -11.0140% | 6,597 |
| Net charge-offs to loans | 1.8010% | 1,388 |
| Credit loss provision to net charge-offs | 135.5219% | 3,654 |
| Earnings coverage of net charge-offs (x) | 0.6633% | 5,430 |
| Efficiency ratio | 79.6066% | 2,940 |
| Assets per employee ($millions) | 1.8933% | 7,788 |
| Cash dividends to net income (ytd only)* | -39.1727% | 7,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 2,338 |
| Loan loss allowance to noncurrent loans | 51.3827% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 6.0969% | 918 |
| Noncurrent loans to loans | 3.6439% | 2,069 |
| Net loans and leases to total assets | 69.3228% | 3,411 |
| Net loans and leases to deposits | 78.1041% | 4,346 |
| Net loans and leases to core deposits | 118.1249% | 2,118 |
| Total domestic deposits to total assets | 88.7570% | 1,596 |
| Equity capital to assets | 11.1443% | 2,588 |
| Core capital (leverage) ratio | 11.0607% | 2,194 |
| Tier 1 risk-based capital ratio | 17.9102% | 1,913 |
| Total risk-based capital ratio | 19.1697% | 1,875 |
| Memoranda: | ||
| Average total assets | $43,316,200 | 6,975 |
| Average earning assets | $39,697,400 | 6,954 |
| Average equity | $5,193,400 | 6,874 |
| Average total loans | $32,981,800 | 6,467 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1925% | 1,392 |
| Cost of funding earning assets | 1.6780% | 5,017 |
| Net interest margin | 4.5145% | 1,160 |
| Noninterest income to average assets | 0.3545% | 5,661 |
| Noninterest expense to average assets | 3.4181% | 2,518 |
| Loan and lease loss provision to assets | 1.3716% | 1,402 |
| Net operating income to assets | -0.2558% | 6,148 |
| Return on assets (ROA) | -0.2558% | 6,156 |
| Pretax return on assets | -0.2558% | 6,049 |
| Return on Equity (ROE) | -2.0964% | 6,109 |
| Retained earnings to average equity (ytd only) | -6.1633% | 6,405 |
| Net charge-offs to loans | 1.7374% | 1,164 |
| Credit loss provision to net charge-offs | 101.8307% | 5,000 |
| Earnings coverage of net charge-offs (x) | 0.8284% | 5,224 |
| Efficiency ratio | 75.3909% | 3,615 |
| Assets per employee ($millions) | 1.9020% | 7,853 |
| Cash dividends to net income (ytd only)* | -193.9816% | 8,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,520 |
| Loan loss allowance to noncurrent loans | 20.5269% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 5.2509% | 1,105 |
| Noncurrent loans to loans | 5.5202% | 1,132 |
| Net loans and leases to total assets | 74.5960% | 2,342 |
| Net loans and leases to deposits | 84.8444% | 3,516 |
| Net loans and leases to core deposits | 126.4071% | 1,703 |
| Total domestic deposits to total assets | 87.9209% | 1,697 |
| Equity capital to assets | 11.8414% | 2,327 |
| Core capital (leverage) ratio | 11.8372% | 1,877 |
| Tier 1 risk-based capital ratio | 18.6230% | 1,836 |
| Total risk-based capital ratio | 19.8748% | 1,796 |
| Memoranda: | ||
| Average total assets | $43,258,500 | 7,029 |
| Average earning assets | $40,047,500 | 6,999 |
| Average equity | $5,278,500 | 6,911 |
| Average total loans | $33,536,250 | 6,479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1767% | 1,538 |
| Cost of funding earning assets | 1.7333% | 5,102 |
| Net interest margin | 4.4434% | 1,305 |
| Noninterest income to average assets | 0.3481% | 5,720 |
| Noninterest expense to average assets | 3.3924% | 2,653 |
| Loan and lease loss provision to assets | 1.9723% | 824 |
| Net operating income to assets | -0.9003% | 6,899 |
| Return on assets (ROA) | -0.9003% | 6,911 |
| Pretax return on assets | -0.9003% | 6,750 |
| Return on Equity (ROE) | -7.3051% | 6,831 |
| Retained earnings to average equity (ytd only) | -13.3676% | 7,139 |
| Net charge-offs to loans | 2.4560% | 713 |
| Credit loss provision to net charge-offs | 102.6570% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.5580% | 5,154 |
| Efficiency ratio | 75.9875% | 3,688 |
| Assets per employee ($millions) | 1.8121% | 7,964 |
| Cash dividends to net income (ytd only)* | -82.9897% | 8,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,614 |
| Loan loss allowance to noncurrent loans | 17.1376% | 7,276 |
| Noncurrent assets plus other real estate owned to assets | 5.1736% | 1,002 |
| Noncurrent loans to loans | 6.4094% | 833 |
| Net loans and leases to total assets | 77.8455% | 1,784 |
| Net loans and leases to deposits | 88.3251% | 3,124 |
| Net loans and leases to core deposits | 128.7801% | 1,666 |
| Total domestic deposits to total assets | 88.1352% | 1,699 |
| Equity capital to assets | 11.6556% | 2,416 |
| Core capital (leverage) ratio | 11.7422% | 1,955 |
| Tier 1 risk-based capital ratio | 17.6389% | 2,106 |
| Total risk-based capital ratio | 18.8891% | 2,059 |
| Memoranda: | ||
| Average total assets | $43,096,330 | 7,094 |
| Average earning assets | $39,924,000 | 7,055 |
| Average equity | $5,311,330 | 6,959 |
| Average total loans | $33,713,000 | 6,522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 1,658 |
| Cost of funding earning assets | 1.7917% | 5,152 |
| Net interest margin | 4.3886% | 1,375 |
| Noninterest income to average assets | 0.3450% | 5,692 |
| Noninterest expense to average assets | 3.1516% | 3,188 |
| Loan and lease loss provision to assets | 0.3263% | 3,367 |
| Net operating income to assets | 0.9324% | 2,576 |
| Return on assets (ROA) | 0.9324% | 2,705 |
| Pretax return on assets | 0.9324% | 3,596 |
| Return on Equity (ROE) | 7.3631% | 3,444 |
| Retained earnings to average equity (ytd only) | 1.3990% | 5,074 |
| Net charge-offs to loans | 0.3109% | 2,862 |
| Credit loss provision to net charge-offs | 134.6154% | 3,009 |
| Earnings coverage of net charge-offs (x) | 5.1923% | 2,727 |
| Efficiency ratio | 71.4588% | 4,276 |
| Assets per employee ($millions) | 1.8719% | 7,982 |
| Cash dividends to net income (ytd only)* | 81.0000% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,436 |
| Loan loss allowance to noncurrent loans | 19.1795% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 4.6941% | 1,001 |
| Noncurrent loans to loans | 5.7593% | 854 |
| Net loans and leases to total assets | 77.7721% | 1,874 |
| Net loans and leases to deposits | 89.2050% | 3,070 |
| Net loans and leases to core deposits | 123.0713% | 2,159 |
| Total domestic deposits to total assets | 87.1835% | 2,130 |
| Equity capital to assets | 12.6399% | 1,910 |
| Core capital (leverage) ratio | 12.7136% | 1,596 |
| Tier 1 risk-based capital ratio | 19.0002% | 1,811 |
| Total risk-based capital ratio | 20.2508% | 1,771 |
| Memoranda: | ||
| Average total assets | $42,899,500 | 7,135 |
| Average earning assets | $39,739,000 | 7,104 |
| Average equity | $5,432,500 | 6,967 |
| Average total loans | $33,454,000 | 6,567 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9927% | 1,153 |
| Cost of funding earning assets | 2.4367% | 4,539 |
| Net interest margin | 4.5560% | 1,298 |
| Noninterest income to average assets | 0.3560% | 5,881 |
| Noninterest expense to average assets | 3.4974% | 2,406 |
| Loan and lease loss provision to assets | 0.1745% | 5,156 |
| Net operating income to assets | 0.8912% | 3,037 |
| Return on assets (ROA) | 0.8912% | 2,876 |
| Pretax return on assets | 0.8912% | 3,750 |
| Return on Equity (ROE) | 7.1203% | 3,463 |
| Retained earnings to average equity (ytd only) | 1.5988% | 4,256 |
| Net charge-offs to loans | 0.0524% | 6,040 |
| Credit loss provision to net charge-offs | 441.1765% | 987 |
| Earnings coverage of net charge-offs (x) | 26.9412% | 1,263 |
| Efficiency ratio | 76.6446% | 3,129 |
| Assets per employee ($millions) | 1.7810% | 8,051 |
| Cash dividends to net income (ytd only)* | 77.5457% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 5,243 |
| Loan loss allowance to noncurrent loans | 36.6466% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 2.4962% | 1,945 |
| Noncurrent loans to loans | 3.0136% | 1,778 |
| Net loans and leases to total assets | 76.4651% | 2,507 |
| Net loans and leases to deposits | 87.7874% | 3,834 |
| Net loans and leases to core deposits | 119.1448% | 2,778 |
| Total domestic deposits to total assets | 87.1026% | 1,886 |
| Equity capital to assets | 12.6869% | 1,926 |
| Core capital (leverage) ratio | 12.7942% | 1,627 |
| Tier 1 risk-based capital ratio | 19.1743% | 1,775 |
| Total risk-based capital ratio | 20.4231% | 1,734 |
| Memoranda: | ||
| Average total assets | $42,974,200 | 7,079 |
| Average earning assets | $39,684,200 | 7,054 |
| Average equity | $5,379,000 | 7,022 |
| Average total loans | $32,466,600 | 6,582 |