Home > Park State Bank > Performance and Condition Ratios
Park State 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 | 4.8808% | 2,320 |
| Cost of funding earning assets | 1.2666% | 2,611 |
| Net interest margin | 3.6142% | 1,943 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.2239% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3649% | 1,292 |
| Return on assets (ROA) | 1.3649% | 1,257 |
| Pretax return on assets | 1.8774% | 797 |
| Return on Equity (ROE) | 14.6200% | 1,362 |
| Retained earnings to average equity (ytd only) | 12.4726% | 579 |
| Net charge-offs to loans | 0.0007% | 2,867 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 3,594.1667% | 32 |
| Efficiency ratio | 50.9951% | 3,908 |
| Assets per employee ($millions) | 7.9287% | 1,475 |
| Cash dividends to net income (ytd only)* | 14.6590% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,321 |
| Loan loss allowance to noncurrent loans | 345.9650% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 1,665 |
| Noncurrent loans to loans | 0.3458% | 1,943 |
| Net loans and leases to total assets | 70.0600% | 1,803 |
| Net loans and leases to deposits | 79.0254% | 2,185 |
| Net loans and leases to core deposits | 101.3956% | 1,362 |
| Total domestic deposits to total assets | 88.6500% | 1,168 |
| Equity capital to assets | 9.4998% | 2,345 |
| Core capital (leverage) ratio | 9.8657% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1757% | 1,807 |
| Memoranda: | ||
| Average total assets | $1,149,544,000 | 880 |
| Average earning assets | $1,080,502,000 | 860 |
| Average equity | $107,355,200 | 900 |
| Average total loans | $844,633,000 | 830 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 2,395 |
| Cost of funding earning assets | 1.0914% | 2,767 |
| Net interest margin | 3.6480% | 1,889 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.1198% | 3,306 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.4800% | 1,163 |
| Return on assets (ROA) | 1.4800% | 1,144 |
| Pretax return on assets | 2.0382% | 722 |
| Return on Equity (ROE) | 15.9200% | 1,269 |
| Retained earnings to average equity (ytd only) | 15.9211% | 467 |
| Net charge-offs to loans | 0.0036% | 2,374 |
| Credit loss provision to net charge-offs | -373.9130% | 4,561 |
| Earnings coverage of net charge-offs (x) | 748.7826% | 211 |
| Efficiency ratio | 47.8806% | 4,054 |
| Assets per employee ($millions) | 7.6684% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,386 |
| Loan loss allowance to noncurrent loans | 330.7342% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 1,964 |
| Noncurrent loans to loans | 0.3619% | 1,934 |
| Net loans and leases to total assets | 70.2400% | 1,802 |
| Net loans and leases to deposits | 82.8321% | 1,840 |
| Net loans and leases to core deposits | 98.8094% | 1,393 |
| Total domestic deposits to total assets | 84.8000% | 2,562 |
| Equity capital to assets | 9.2287% | 2,274 |
| Core capital (leverage) ratio | 10.1091% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1368% | 1,842 |
| Memoranda: | ||
| Average total assets | $1,133,656,000 | 894 |
| Average earning assets | $1,064,059,250 | 873 |
| Average equity | $105,383,500 | 907 |
| Average total loans | $840,756,750 | 834 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 2,348 |
| Cost of funding earning assets | 0.8886% | 2,961 |
| Net interest margin | 3.7414% | 1,734 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.3295% | 2,718 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4296% | 1,260 |
| Return on assets (ROA) | 1.4296% | 1,242 |
| Pretax return on assets | 1.9653% | 784 |
| Return on Equity (ROE) | 15.3400% | 1,405 |
| Retained earnings to average equity (ytd only) | 15.3388% | 535 |
| Net charge-offs to loans | -0.0084% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.9760% | 3,852 |
| Assets per employee ($millions) | 7.2796% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,292 |
| Loan loss allowance to noncurrent loans | 471.5785% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,209 |
| Noncurrent loans to loans | 0.2607% | 2,226 |
| Net loans and leases to total assets | 73.1200% | 1,395 |
| Net loans and leases to deposits | 86.5171% | 1,457 |
| Net loans and leases to core deposits | 97.5855% | 1,376 |
| Total domestic deposits to total assets | 84.5200% | 2,686 |
| Equity capital to assets | 9.4194% | 2,222 |
| Core capital (leverage) ratio | 10.1214% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8956% | 1,938 |
| Memoranda: | ||
| Average total assets | $1,112,783,667 | 899 |
| Average earning assets | $1,043,840,667 | 881 |
| Average equity | $103,711,000 | 912 |
| Average total loans | $837,510,333 | 821 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 2,347 |
| Cost of funding earning assets | 0.6339% | 3,277 |
| Net interest margin | 3.8534% | 1,571 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.5230% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3271% | 1,598 |
| Return on assets (ROA) | 1.3271% | 1,568 |
| Pretax return on assets | 1.8228% | 1,029 |
| Return on Equity (ROE) | 14.3200% | 1,707 |
| Retained earnings to average equity (ytd only) | 14.3178% | 898 |
| Net charge-offs to loans | -0.0177% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.8554% | 3,520 |
| Assets per employee ($millions) | 6.8298% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,400 |
| Loan loss allowance to noncurrent loans | 503.8480% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 2,066 |
| Noncurrent loans to loans | 0.2438% | 2,277 |
| Net loans and leases to total assets | 74.2500% | 1,171 |
| Net loans and leases to deposits | 88.2628% | 1,183 |
| Net loans and leases to core deposits | 95.2205% | 1,323 |
| Total domestic deposits to total assets | 84.1200% | 3,068 |
| Equity capital to assets | 9.2677% | 2,307 |
| Core capital (leverage) ratio | 10.0579% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6413% | 2,120 |
| Memoranda: | ||
| Average total assets | $1,101,369,000 | 924 |
| Average earning assets | $1,032,956,500 | 903 |
| Average equity | $102,082,500 | 932 |
| Average total loans | $835,913,500 | 838 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 1,936 |
| Cost of funding earning assets | 0.2730% | 3,122 |
| Net interest margin | 3.6471% | 1,497 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.0403% | 3,470 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4506% | 1,006 |
| Return on assets (ROA) | 1.4510% | 961 |
| Pretax return on assets | 1.9920% | 486 |
| Return on Equity (ROE) | 16.1800% | 1,021 |
| Retained earnings to average equity (ytd only) | 16.1799% | 215 |
| Net charge-offs to loans | -0.0496% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.0856% | 4,389 |
| Assets per employee ($millions) | 6.6420% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 3,913 |
| Loan loss allowance to noncurrent loans | 296.6038% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 1,905 |
| Noncurrent loans to loans | 0.2874% | 2,115 |
| Net loans and leases to total assets | 76.0000% | 1,011 |
| Net loans and leases to deposits | 85.6593% | 1,342 |
| Net loans and leases to core deposits | 90.4935% | 1,478 |
| Total domestic deposits to total assets | 88.7200% | 1,808 |
| Equity capital to assets | 9.2697% | 2,180 |
| Core capital (leverage) ratio | 9.9643% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2478% | 2,267 |
| Memoranda: | ||
| Average total assets | $1,091,014,000 | 908 |
| Average earning assets | $1,022,095,200 | 889 |
| Average equity | $97,843,600 | 960 |
| Average total loans | $757,899,200 | 852 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 1,843 |
| Cost of funding earning assets | 0.2400% | 2,819 |
| Net interest margin | 3.5276% | 1,579 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 1.9556% | 3,611 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.4160% | 1,041 |
| Return on assets (ROA) | 1.4166% | 1,013 |
| Pretax return on assets | 1.9429% | 526 |
| Return on Equity (ROE) | 15.9300% | 993 |
| Retained earnings to average equity (ytd only) | 15.9286% | 285 |
| Net charge-offs to loans | -0.0166% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.2400% | 4,458 |
| Assets per employee ($millions) | 6.6488% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,089 |
| Loan loss allowance to noncurrent loans | 309.9809% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 2,176 |
| Noncurrent loans to loans | 0.2591% | 2,339 |
| Net loans and leases to total assets | 74.4400% | 1,063 |
| Net loans and leases to deposits | 82.5340% | 1,400 |
| Net loans and leases to core deposits | 87.2353% | 1,454 |
| Total domestic deposits to total assets | 90.2000% | 1,567 |
| Equity capital to assets | 8.8723% | 2,302 |
| Core capital (leverage) ratio | 9.5327% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0375% | 2,459 |
| Memoranda: | ||
| Average total assets | $1,093,106,500 | 912 |
| Average earning assets | $1,023,852,250 | 894 |
| Average equity | $97,215,000 | 970 |
| Average total loans | $739,910,250 | 864 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 2,024 |
| Cost of funding earning assets | 0.2306% | 2,496 |
| Net interest margin | 3.3055% | 1,894 |
| Noninterest income to average assets | 0.8177% | 1,007 |
| Noninterest expense to average assets | 1.8051% | 3,938 |
| Loan and lease loss provision to assets | 0.1721% | 521 |
| Net operating income to assets | 1.4150% | 874 |
| Return on assets (ROA) | 1.4158% | 849 |
| Pretax return on assets | 1.9420% | 430 |
| Return on Equity (ROE) | 15.9075% | 718 |
| Retained earnings to average equity (ytd only) | 15.9075% | 197 |
| Net charge-offs to loans | -0.0231% | 3,941 |
| Credit loss provision to net charge-offs | -1,138.5542% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5113% | 4,555 |
| Assets per employee ($millions) | 6.8460% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,227 |
| Loan loss allowance to noncurrent loans | 353.9173% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,485 |
| Noncurrent loans to loans | 0.2171% | 2,633 |
| Net loans and leases to total assets | 70.2852% | 1,277 |
| Net loans and leases to deposits | 78.2609% | 1,521 |
| Net loans and leases to core deposits | 83.1449% | 1,509 |
| Total domestic deposits to total assets | 89.8088% | 1,792 |
| Equity capital to assets | 9.1736% | 2,260 |
| Core capital (leverage) ratio | 9.2481% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4408% | 2,312 |
| Memoranda: | ||
| Average total assets | $1,098,441,000 | 906 |
| Average earning assets | $1,030,296,000 | 894 |
| Average equity | $97,765,333 | 974 |
| Average total loans | $717,103,333 | 871 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3696% | 2,180 |
| Cost of funding earning assets | 0.2228% | 2,490 |
| Net interest margin | 3.1468% | 2,036 |
| Noninterest income to average assets | 0.8143% | 1,008 |
| Noninterest expense to average assets | 1.7967% | 3,946 |
| Loan and lease loss provision to assets | 0.1785% | 429 |
| Net operating income to assets | 1.3116% | 977 |
| Return on assets (ROA) | 1.3133% | 962 |
| Pretax return on assets | 1.8002% | 547 |
| Return on Equity (ROE) | 14.9719% | 656 |
| Retained earnings to average equity (ytd only) | 14.9719% | 289 |
| Net charge-offs to loans | -0.0461% | 4,230 |
| Credit loss provision to net charge-offs | -617.2840% | 3,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9924% | 4,552 |
| Assets per employee ($millions) | 6.8960% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,345 |
| Loan loss allowance to noncurrent loans | 332.9138% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,572 |
| Noncurrent loans to loans | 0.2186% | 2,722 |
| Net loans and leases to total assets | 65.8095% | 1,426 |
| Net loans and leases to deposits | 73.2024% | 1,676 |
| Net loans and leases to core deposits | 76.3445% | 1,757 |
| Total domestic deposits to total assets | 89.9007% | 1,620 |
| Equity capital to assets | 8.8613% | 2,825 |
| Core capital (leverage) ratio | 8.3517% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1394% | 2,556 |
| Memoranda: | ||
| Average total assets | $1,120,522,000 | 899 |
| Average earning assets | $1,053,643,000 | 888 |
| Average equity | $98,290,500 | 1,001 |
| Average total loans | $702,285,500 | 876 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 1,890 |
| Cost of funding earning assets | 0.1856% | 3,595 |
| Net interest margin | 3.6058% | 1,450 |
| Noninterest income to average assets | 0.8955% | 1,212 |
| Noninterest expense to average assets | 2.6252% | 1,812 |
| Loan and lease loss provision to assets | 0.1233% | 994 |
| Net operating income to assets | 1.1533% | 2,090 |
| Return on assets (ROA) | 1.1875% | 2,033 |
| Pretax return on assets | 1.6127% | 1,392 |
| Return on Equity (ROE) | 13.6946% | 1,268 |
| Retained earnings to average equity (ytd only) | 13.6946% | 334 |
| Net charge-offs to loans | -0.0449% | 4,283 |
| Credit loss provision to net charge-offs | -428.3439% | 3,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5473% | 3,514 |
| Assets per employee ($millions) | 6.8130% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 4,429 |
| Loan loss allowance to noncurrent loans | 272.8273% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,684 |
| Noncurrent loans to loans | 0.2547% | 2,701 |
| Net loans and leases to total assets | 58.7984% | 2,299 |
| Net loans and leases to deposits | 65.3534% | 2,562 |
| Net loans and leases to core deposits | 68.0436% | 2,649 |
| Total domestic deposits to total assets | 89.9699% | 977 |
| Equity capital to assets | 8.6862% | 3,900 |
| Core capital (leverage) ratio | 8.1665% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6851% | 2,369 |
| Memoranda: | ||
| Average total assets | $1,091,193,200 | 898 |
| Average earning assets | $1,035,664,000 | 877 |
| Average equity | $94,621,200 | 1,056 |
| Average total loans | $698,901,200 | 879 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 1,683 |
| Cost of funding earning assets | 0.1842% | 3,769 |
| Net interest margin | 3.7442% | 1,238 |
| Noninterest income to average assets | 0.9243% | 1,205 |
| Noninterest expense to average assets | 2.6175% | 1,789 |
| Loan and lease loss provision to assets | 0.1664% | 654 |
| Net operating income to assets | 1.2480% | 1,997 |
| Return on assets (ROA) | 1.2857% | 1,925 |
| Pretax return on assets | 1.7494% | 1,282 |
| Return on Equity (ROE) | 14.8342% | 1,175 |
| Retained earnings to average equity (ytd only) | 14.8342% | 421 |
| Net charge-offs to loans | -0.0138% | 3,806 |
| Credit loss provision to net charge-offs | -1,842.4658% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1860% | 3,633 |
| Assets per employee ($millions) | 6.6147% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 4,565 |
| Loan loss allowance to noncurrent loans | 164.9926% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 2,479 |
| Noncurrent loans to loans | 0.3985% | 2,367 |
| Net loans and leases to total assets | 60.0303% | 2,257 |
| Net loans and leases to deposits | 66.6946% | 2,569 |
| Net loans and leases to core deposits | 69.4464% | 2,643 |
| Total domestic deposits to total assets | 90.0078% | 769 |
| Equity capital to assets | 8.7136% | 4,056 |
| Core capital (leverage) ratio | 8.0696% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9936% | 2,364 |
| Memoranda: | ||
| Average total assets | $1,077,846,500 | 916 |
| Average earning assets | $1,025,172,000 | 893 |
| Average equity | $93,421,500 | 1,080 |
| Average total loans | $704,200,500 | 893 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 1,073 |
| Cost of funding earning assets | 0.1779% | 3,970 |
| Net interest margin | 4.0811% | 722 |
| Noninterest income to average assets | 0.9163% | 1,228 |
| Noninterest expense to average assets | 2.7275% | 1,515 |
| Loan and lease loss provision to assets | 0.2109% | 517 |
| Net operating income to assets | 1.3795% | 1,630 |
| Return on assets (ROA) | 1.4011% | 1,631 |
| Pretax return on assets | 1.9062% | 1,008 |
| Return on Equity (ROE) | 16.1957% | 916 |
| Retained earnings to average equity (ytd only) | 16.1957% | 322 |
| Net charge-offs to loans | -0.0154% | 3,873 |
| Credit loss provision to net charge-offs | -2,036.3636% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6249% | 3,850 |
| Assets per employee ($millions) | 6.3540% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6013% | 4,657 |
| Loan loss allowance to noncurrent loans | 121.1991% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 2,214 |
| Noncurrent loans to loans | 0.4962% | 2,192 |
| Net loans and leases to total assets | 65.0347% | 1,823 |
| Net loans and leases to deposits | 72.2812% | 2,183 |
| Net loans and leases to core deposits | 74.9515% | 2,335 |
| Total domestic deposits to total assets | 89.9746% | 793 |
| Equity capital to assets | 8.8873% | 3,905 |
| Core capital (leverage) ratio | 8.0297% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8409% | 2,425 |
| Memoranda: | ||
| Average total assets | $1,062,297,000 | 922 |
| Average earning assets | $1,015,407,000 | 900 |
| Average equity | $91,900,667 | 1,091 |
| Average total loans | $712,432,000 | 884 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9431% | 120 |
| Cost of funding earning assets | 0.3718% | 2,340 |
| Net interest margin | 5.5713% | 93 |
| Noninterest income to average assets | 1.1682% | 891 |
| Noninterest expense to average assets | 2.9222% | 1,117 |
| Loan and lease loss provision to assets | 0.3818% | 207 |
| Net operating income to assets | 2.1504% | 449 |
| Return on assets (ROA) | 2.8129% | 203 |
| Pretax return on assets | 3.9599% | 105 |
| Return on Equity (ROE) | 33.2073% | 99 |
| Retained earnings to average equity (ytd only) | 33.2073% | 62 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4799% | 4,501 |
| Assets per employee ($millions) | 8.3547% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 2,581 |
| Loan loss allowance to noncurrent loans | 242.4621% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 2,086 |
| Noncurrent loans to loans | 0.5222% | 2,288 |
| Net loans and leases to total assets | 79.2765% | 383 |
| Net loans and leases to deposits | 99.0823% | 317 |
| Net loans and leases to core deposits | 104.9867% | 545 |
| Total domestic deposits to total assets | 80.0108% | 4,203 |
| Equity capital to assets | 8.0700% | 4,449 |
| Core capital (leverage) ratio | 7.9061% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3492% | 1,796 |
| Memoranda: | ||
| Average total assets | $245,157,000 | 2,757 |
| Average earning assets | $231,328,000 | 2,736 |
| Average equity | $20,766,500 | 3,171 |
| Average total loans | $203,636,500 | 2,257 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 126 |
| Cost of funding earning assets | 0.4779% | 3,098 |
| Net interest margin | 5.2750% | 88 |
| Noninterest income to average assets | 1.0750% | 925 |
| Noninterest expense to average assets | 3.0422% | 1,342 |
| Loan and lease loss provision to assets | 0.9304% | 118 |
| Net operating income to assets | 1.3943% | 1,029 |
| Return on assets (ROA) | 2.3088% | 179 |
| Pretax return on assets | 3.2498% | 107 |
| Return on Equity (ROE) | 22.6410% | 143 |
| Retained earnings to average equity (ytd only) | -0.1038% | 4,532 |
| Net charge-offs to loans | 0.0072% | 3,081 |
| Credit loss provision to net charge-offs | 15,383.3333% | 68 |
| Earnings coverage of net charge-offs (x) | 499.7500% | 235 |
| Efficiency ratio | 50.1621% | 4,520 |
| Assets per employee ($millions) | 7.4322% | 1,324 |
| Cash dividends to net income (ytd only)* | 100.4584% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,465 |
| Loan loss allowance to noncurrent loans | 381.5668% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 2,746 |
| Noncurrent loans to loans | 0.3380% | 2,992 |
| Net loans and leases to total assets | 85.2717% | 118 |
| Net loans and leases to deposits | 110.4337% | 161 |
| Net loans and leases to core deposits | 118.9179% | 323 |
| Total domestic deposits to total assets | 77.2153% | 4,389 |
| Equity capital to assets | 8.9512% | 4,100 |
| Core capital (leverage) ratio | 9.1556% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0377% | 1,837 |
| Memoranda: | ||
| Average total assets | $198,412,200 | 2,956 |
| Average earning assets | $187,678,400 | 2,930 |
| Average equity | $20,233,200 | 3,171 |
| Average total loans | $166,113,200 | 2,518 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0542% | 100 |
| Cost of funding earning assets | 0.4820% | 3,346 |
| Net interest margin | 5.5722% | 70 |
| Noninterest income to average assets | 1.1102% | 844 |
| Noninterest expense to average assets | 3.1205% | 1,199 |
| Loan and lease loss provision to assets | 1.0709% | 115 |
| Net operating income to assets | 1.4563% | 984 |
| Return on assets (ROA) | 2.6489% | 127 |
| Pretax return on assets | 3.6953% | 80 |
| Return on Equity (ROE) | 25.0872% | 117 |
| Retained earnings to average equity (ytd only) | -5.1357% | 4,849 |
| Net charge-offs to loans | 0.0142% | 2,608 |
| Credit loss provision to net charge-offs | 9,082.3529% | 131 |
| Earnings coverage of net charge-offs (x) | 276.2353% | 389 |
| Efficiency ratio | 48.9343% | 4,558 |
| Assets per employee ($millions) | 6.9100% | 1,561 |
| Cash dividends to net income (ytd only)* | 120.4712% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,241 |
| Loan loss allowance to noncurrent loans | 533.5784% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 3,539 |
| Noncurrent loans to loans | 0.2050% | 3,563 |
| Net loans and leases to total assets | 86.3176% | 139 |
| Net loans and leases to deposits | 120.5592% | 109 |
| Net loans and leases to core deposits | 130.6215% | 240 |
| Total domestic deposits to total assets | 71.5977% | 4,695 |
| Equity capital to assets | 8.3997% | 4,519 |
| Core capital (leverage) ratio | 8.0278% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1347% | 1,784 |
| Memoranda: | ||
| Average total assets | $192,274,000 | 2,991 |
| Average earning assets | $181,732,500 | 2,959 |
| Average equity | $20,302,000 | 3,150 |
| Average total loans | $159,489,000 | 2,573 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3691% | 46 |
| Cost of funding earning assets | 0.4668% | 3,714 |
| Net interest margin | 6.9023% | 33 |
| Noninterest income to average assets | 1.1311% | 779 |
| Noninterest expense to average assets | 3.3966% | 854 |
| Loan and lease loss provision to assets | 1.5026% | 85 |
| Net operating income to assets | 1.9655% | 355 |
| Return on assets (ROA) | 2.0426% | 336 |
| Pretax return on assets | 2.8388% | 139 |
| Return on Equity (ROE) | 17.8103% | 384 |
| Retained earnings to average equity (ytd only) | 12.9758% | 353 |
| Net charge-offs to loans | 0.0123% | 2,525 |
| Credit loss provision to net charge-offs | 15,022.2222% | 81 |
| Earnings coverage of net charge-offs (x) | 425.2222% | 235 |
| Efficiency ratio | 44.4557% | 4,793 |
| Assets per employee ($millions) | 7.7715% | 1,050 |
| Cash dividends to net income (ytd only)* | 27.1444% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,238 |
| Loan loss allowance to noncurrent loans | 632.6984% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 3,846 |
| Noncurrent loans to loans | 0.1688% | 3,776 |
| Net loans and leases to total assets | 79.1682% | 701 |
| Net loans and leases to deposits | 112.1279% | 193 |
| Net loans and leases to core deposits | 121.4004% | 394 |
| Total domestic deposits to total assets | 70.6053% | 4,768 |
| Equity capital to assets | 9.6738% | 3,506 |
| Core capital (leverage) ratio | 9.5409% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8758% | 1,279 |
| Memoranda: | ||
| Average total assets | $180,355,000 | 3,073 |
| Average earning assets | $170,088,667 | 3,043 |
| Average equity | $20,684,667 | 3,113 |
| Average total loans | $146,316,000 | 2,688 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 604 |
| Cost of funding earning assets | 0.4659% | 4,088 |
| Net interest margin | 4.7832% | 283 |
| Noninterest income to average assets | 0.7197% | 1,568 |
| Noninterest expense to average assets | 3.0345% | 1,794 |
| Loan and lease loss provision to assets | 0.3767% | 819 |
| Net operating income to assets | 1.2841% | 1,284 |
| Return on assets (ROA) | 1.3744% | 1,125 |
| Pretax return on assets | 1.9304% | 535 |
| Return on Equity (ROE) | 10.7139% | 1,496 |
| Retained earnings to average equity (ytd only) | 0.5873% | 3,845 |
| Net charge-offs to loans | 0.0063% | 2,349 |
| Credit loss provision to net charge-offs | 7,250.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 161 |
| Efficiency ratio | 58.0517% | 3,992 |
| Assets per employee ($millions) | 5.3380% | 2,290 |
| Cash dividends to net income (ytd only)* | 94.5180% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 4,738 |
| Loan loss allowance to noncurrent loans | 349.3392% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 3,957 |
| Noncurrent loans to loans | 0.1760% | 3,841 |
| Net loans and leases to total assets | 77.4411% | 1,060 |
| Net loans and leases to deposits | 96.6178% | 846 |
| Net loans and leases to core deposits | 99.0416% | 1,547 |
| Total domestic deposits to total assets | 80.1520% | 3,830 |
| Equity capital to assets | 12.7352% | 1,601 |
| Core capital (leverage) ratio | 11.1905% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1282% | 2,223 |
| Memoranda: | ||
| Average total assets | $153,960,500 | 3,277 |
| Average earning assets | $145,091,500 | 3,237 |
| Average equity | $19,750,000 | 3,192 |
| Average total loans | $126,189,500 | 2,886 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8310% | 307 |
| Cost of funding earning assets | 0.4367% | 4,317 |
| Net interest margin | 5.3943% | 133 |
| Noninterest income to average assets | 1.0095% | 950 |
| Noninterest expense to average assets | 3.2883% | 1,324 |
| Loan and lease loss provision to assets | 0.2133% | 936 |
| Net operating income to assets | 1.8538% | 476 |
| Return on assets (ROA) | 1.8578% | 490 |
| Pretax return on assets | 2.5955% | 175 |
| Return on Equity (ROE) | 14.5688% | 781 |
| Retained earnings to average equity (ytd only) | 10.2021% | 455 |
| Net charge-offs to loans | -0.0009% | 4,168 |
| Credit loss provision to net charge-offs | -29,500.0000% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9767% | 4,422 |
| Assets per employee ($millions) | 4.7481% | 2,896 |
| Cash dividends to net income (ytd only)* | 29.9728% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5266% | 4,858 |
| Loan loss allowance to noncurrent loans | 285.0877% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 3,841 |
| Noncurrent loans to loans | 0.1847% | 3,792 |
| Net loans and leases to total assets | 86.2015% | 152 |
| Net loans and leases to deposits | 99.3495% | 643 |
| Net loans and leases to core deposits | 101.3956% | 1,451 |
| Total domestic deposits to total assets | 86.7659% | 1,721 |
| Equity capital to assets | 12.9357% | 1,562 |
| Core capital (leverage) ratio | 11.2041% | 2,332 |
| Tier 1 risk-based capital ratio | 14.5467% | 2,995 |
| Total risk-based capital ratio | 15.1542% | 3,223 |
| Memoranda: | ||
| Average total assets | $138,279,800 | 3,461 |
| Average earning assets | $130,286,400 | 3,419 |
| Average equity | $17,633,600 | 3,374 |
| Average total loans | $116,271,400 | 2,989 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 315 |
| Cost of funding earning assets | 0.4337% | 4,388 |
| Net interest margin | 5.4290% | 136 |
| Noninterest income to average assets | 1.0832% | 783 |
| Noninterest expense to average assets | 3.3070% | 1,252 |
| Loan and lease loss provision to assets | 0.1885% | 954 |
| Net operating income to assets | 1.9318% | 458 |
| Return on assets (ROA) | 1.9372% | 468 |
| Pretax return on assets | 2.7018% | 169 |
| Return on Equity (ROE) | 15.2482% | 722 |
| Retained earnings to average equity (ytd only) | 11.5776% | 434 |
| Net charge-offs to loans | -0.0699% | 4,913 |
| Credit loss provision to net charge-offs | -323.3333% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4212% | 4,450 |
| Assets per employee ($millions) | 4.3495% | 3,416 |
| Cash dividends to net income (ytd only)* | 24.0721% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5164% | 4,947 |
| Loan loss allowance to noncurrent loans | 183.1325% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 3,615 |
| Noncurrent loans to loans | 0.2820% | 3,529 |
| Net loans and leases to total assets | 84.1513% | 338 |
| Net loans and leases to deposits | 97.5237% | 869 |
| Net loans and leases to core deposits | 99.5910% | 1,691 |
| Total domestic deposits to total assets | 86.2880% | 1,871 |
| Equity capital to assets | 13.0330% | 1,602 |
| Core capital (leverage) ratio | 13.1177% | 1,299 |
| Tier 1 risk-based capital ratio | 14.8634% | 2,917 |
| Total risk-based capital ratio | 15.4607% | 3,123 |
| Memoranda: | ||
| Average total assets | $137,239,000 | 3,506 |
| Average earning assets | $129,105,250 | 3,473 |
| Average equity | $17,435,500 | 3,421 |
| Average total loans | $114,479,750 | 3,052 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8441% | 310 |
| Cost of funding earning assets | 0.4119% | 4,458 |
| Net interest margin | 5.4322% | 145 |
| Noninterest income to average assets | 1.0762% | 734 |
| Noninterest expense to average assets | 3.2887% | 1,304 |
| Loan and lease loss provision to assets | 0.1947% | 893 |
| Net operating income to assets | 1.9218% | 450 |
| Return on assets (ROA) | 1.9299% | 471 |
| Pretax return on assets | 2.7015% | 182 |
| Return on Equity (ROE) | 15.3250% | 694 |
| Retained earnings to average equity (ytd only) | 12.7088% | 330 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2606% | 4,538 |
| Assets per employee ($millions) | 4.7896% | 2,756 |
| Cash dividends to net income (ytd only)* | 17.0713% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4110% | 5,096 |
| Loan loss allowance to noncurrent loans | 608.7500% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,468 |
| Noncurrent loans to loans | 0.0675% | 4,379 |
| Net loans and leases to total assets | 84.9523% | 289 |
| Net loans and leases to deposits | 100.3999% | 643 |
| Net loans and leases to core deposits | 103.2562% | 1,447 |
| Total domestic deposits to total assets | 84.6139% | 2,635 |
| Equity capital to assets | 12.7568% | 1,716 |
| Core capital (leverage) ratio | 11.0530% | 2,542 |
| Tier 1 risk-based capital ratio | 13.7990% | 3,425 |
| Total risk-based capital ratio | 14.2537% | 3,743 |
| Memoranda: | ||
| Average total assets | $136,590,330 | 3,533 |
| Average earning assets | $128,198,330 | 3,505 |
| Average equity | $17,200,670 | 3,443 |
| Average total loans | $113,395,000 | 3,080 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8524% | 280 |
| Cost of funding earning assets | 0.4354% | 4,344 |
| Net interest margin | 5.4170% | 148 |
| Noninterest income to average assets | 1.0603% | 715 |
| Noninterest expense to average assets | 3.2635% | 1,360 |
| Loan and lease loss provision to assets | 0.2067% | 768 |
| Net operating income to assets | 1.9032% | 458 |
| Return on assets (ROA) | 1.9079% | 472 |
| Pretax return on assets | 2.6669% | 193 |
| Return on Equity (ROE) | 15.2525% | 706 |
| Retained earnings to average equity (ytd only) | 15.2525% | 263 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2274% | 4,601 |
| Assets per employee ($millions) | 4.4762% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3809% | 5,192 |
| Loan loss allowance to noncurrent loans | 88.1497% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 3,169 |
| Noncurrent loans to loans | 0.4321% | 3,033 |
| Net loans and leases to total assets | 82.5784% | 518 |
| Net loans and leases to deposits | 100.1110% | 627 |
| Net loans and leases to core deposits | 102.4208% | 1,420 |
| Total domestic deposits to total assets | 82.4868% | 3,586 |
| Equity capital to assets | 12.8657% | 1,533 |
| Core capital (leverage) ratio | 10.1088% | 3,483 |
| Tier 1 risk-based capital ratio | 14.2999% | 3,192 |
| Total risk-based capital ratio | 14.7248% | 3,526 |
| Memoranda: | ||
| Average total assets | $135,436,500 | 3,591 |
| Average earning assets | $126,786,500 | 3,562 |
| Average equity | $16,941,500 | 3,481 |
| Average total loans | $110,850,500 | 3,149 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7606% | 251 |
| Cost of funding earning assets | 0.3936% | 4,022 |
| Net interest margin | 5.3670% | 141 |
| Noninterest income to average assets | 1.1011% | 764 |
| Noninterest expense to average assets | 3.4176% | 1,121 |
| Loan and lease loss provision to assets | 0.1274% | 1,722 |
| Net operating income to assets | 1.8741% | 475 |
| Return on assets (ROA) | 1.8763% | 470 |
| Pretax return on assets | 2.6433% | 161 |
| Return on Equity (ROE) | 15.6976% | 686 |
| Retained earnings to average equity (ytd only) | 12.6091% | 271 |
| Net charge-offs to loans | 0.0081% | 3,396 |
| Credit loss provision to net charge-offs | 1,971.4286% | 228 |
| Earnings coverage of net charge-offs (x) | 428.4286% | 245 |
| Efficiency ratio | 55.2522% | 4,491 |
| Assets per employee ($millions) | 4.7099% | 2,862 |
| Cash dividends to net income (ytd only)* | 19.6754% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3207% | 5,271 |
| Loan loss allowance to noncurrent loans | 93.8992% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 3,478 |
| Noncurrent loans to loans | 0.3415% | 3,325 |
| Net loans and leases to total assets | 80.5580% | 857 |
| Net loans and leases to deposits | 95.5927% | 1,111 |
| Net loans and leases to core deposits | 97.7107% | 1,887 |
| Total domestic deposits to total assets | 84.2722% | 2,913 |
| Equity capital to assets | 12.1579% | 1,785 |
| Core capital (leverage) ratio | 9.6774% | 3,921 |
| Tier 1 risk-based capital ratio | 13.9893% | 3,290 |
| Total risk-based capital ratio | 14.3566% | 3,677 |
| Memoranda: | ||
| Average total assets | $108,350,800 | 3,964 |
| Average earning assets | $102,645,800 | 3,938 |
| Average equity | $12,951,000 | 3,889 |
| Average total loans | $85,979,800 | 3,553 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 270 |
| Cost of funding earning assets | 0.4100% | 3,789 |
| Net interest margin | 5.2617% | 161 |
| Noninterest income to average assets | 1.1439% | 719 |
| Noninterest expense to average assets | 3.4763% | 1,015 |
| Loan and lease loss provision to assets | 0.0763% | 2,433 |
| Net operating income to assets | 1.8454% | 559 |
| Return on assets (ROA) | 1.8454% | 555 |
| Pretax return on assets | 2.5918% | 199 |
| Return on Equity (ROE) | 15.5292% | 779 |
| Retained earnings to average equity (ytd only) | 15.5292% | 159 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5767% | 4,305 |
| Assets per employee ($millions) | 4.8510% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2454% | 5,383 |
| Loan loss allowance to noncurrent loans | 229.5082% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,553 |
| Noncurrent loans to loans | 0.1069% | 4,407 |
| Net loans and leases to total assets | 78.1949% | 1,317 |
| Net loans and leases to deposits | 96.1375% | 1,142 |
| Net loans and leases to core deposits | 98.6853% | 1,887 |
| Total domestic deposits to total assets | 81.3365% | 3,779 |
| Equity capital to assets | 11.2444% | 2,434 |
| Core capital (leverage) ratio | 9.2091% | 4,504 |
| Tier 1 risk-based capital ratio | 12.9114% | 3,959 |
| Total risk-based capital ratio | 13.1855% | 4,415 |
| Memoranda: | ||
| Average total assets | $101,292,000 | 4,119 |
| Average earning assets | $96,266,250 | 4,074 |
| Average equity | $12,037,250 | 4,051 |
| Average total loans | $79,878,500 | 3,700 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4604% | 344 |
| Cost of funding earning assets | 0.3916% | 3,793 |
| Net interest margin | 5.0688% | 219 |
| Noninterest income to average assets | 1.2779% | 592 |
| Noninterest expense to average assets | 3.5773% | 894 |
| Loan and lease loss provision to assets | 0.0347% | 3,222 |
| Net operating income to assets | 1.7863% | 595 |
| Return on assets (ROA) | 1.7863% | 599 |
| Pretax return on assets | 2.5120% | 222 |
| Return on Equity (ROE) | 14.5918% | 937 |
| Retained earnings to average equity (ytd only) | 14.5918% | 230 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4151% | 4,170 |
| Assets per employee ($millions) | 4.3935% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2176% | 5,454 |
| Loan loss allowance to noncurrent loans | 202.5641% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,591 |
| Noncurrent loans to loans | 0.1074% | 4,431 |
| Net loans and leases to total assets | 77.3108% | 1,422 |
| Net loans and leases to deposits | 91.6559% | 1,629 |
| Net loans and leases to core deposits | 94.0763% | 2,212 |
| Total domestic deposits to total assets | 84.3489% | 2,934 |
| Equity capital to assets | 11.1529% | 2,503 |
| Core capital (leverage) ratio | 12.9450% | 1,244 |
| Tier 1 risk-based capital ratio | 13.0004% | 3,893 |
| Total risk-based capital ratio | 13.2482% | 4,377 |
| Memoranda: | ||
| Average total assets | $86,546,000 | 4,402 |
| Average earning assets | $82,741,330 | 4,348 |
| Average equity | $10,595,000 | 4,294 |
| Average total loans | $68,479,000 | 3,964 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 443 |
| Cost of funding earning assets | 0.4981% | 2,808 |
| Net interest margin | 4.7529% | 373 |
| Noninterest income to average assets | 1.6128% | 380 |
| Noninterest expense to average assets | 3.4877% | 1,023 |
| Loan and lease loss provision to assets | 0.1075% | 1,737 |
| Net operating income to assets | 1.8682% | 489 |
| Return on assets (ROA) | 1.8682% | 493 |
| Pretax return on assets | 2.6343% | 177 |
| Return on Equity (ROE) | 13.8094% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.8094% | 421 |
| Net charge-offs to loans | 0.0166% | 2,179 |
| Credit loss provision to net charge-offs | 800.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 333 |
| Efficiency ratio | 55.9871% | 4,581 |
| Assets per employee ($millions) | 4.4338% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4944% | 5,337 |
| Loan loss allowance to noncurrent loans | 348.5294% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,505 |
| Noncurrent loans to loans | 0.1419% | 4,331 |
| Net loans and leases to total assets | 82.7481% | 566 |
| Net loans and leases to deposits | 97.5518% | 903 |
| Net loans and leases to core deposits | 104.2239% | 1,359 |
| Total domestic deposits to total assets | 84.8248% | 3,001 |
| Equity capital to assets | 14.1273% | 857 |
| Core capital (leverage) ratio | 12.7238% | 1,282 |
| Tier 1 risk-based capital ratio | 19.7765% | 1,383 |
| Total risk-based capital ratio | 20.3982% | 1,476 |
| Memoranda: | ||
| Average total assets | $59,523,500 | 4,937 |
| Average earning assets | $57,817,000 | 4,878 |
| Average equity | $8,052,500 | 4,734 |
| Average total loans | $48,254,000 | 4,482 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4123% | 304 |
| Cost of funding earning assets | 0.4587% | 2,690 |
| Net interest margin | 4.9535% | 255 |
| Noninterest income to average assets | 1.5629% | 430 |
| Noninterest expense to average assets | 3.9963% | 538 |
| Loan and lease loss provision to assets | 0.1934% | 1,086 |
| Net operating income to assets | 1.3617% | 1,093 |
| Return on assets (ROA) | 1.3617% | 1,115 |
| Pretax return on assets | 2.1355% | 362 |
| Return on Equity (ROE) | 9.4183% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.4183% | 437 |
| Net charge-offs to loans | 0.0048% | 3,912 |
| Credit loss provision to net charge-offs | 5,000.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 602.0000% | 146 |
| Efficiency ratio | 63.1804% | 3,739 |
| Assets per employee ($millions) | 5.1173% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4591% | 5,438 |
| Loan loss allowance to noncurrent loans | 391.2281% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 4,657 |
| Noncurrent loans to loans | 0.1173% | 4,454 |
| Net loans and leases to total assets | 78.7402% | 1,177 |
| Net loans and leases to deposits | 91.3646% | 1,604 |
| Net loans and leases to core deposits | 97.0924% | 1,936 |
| Total domestic deposits to total assets | 86.1824% | 2,357 |
| Equity capital to assets | 12.9659% | 1,281 |
| Core capital (leverage) ratio | 13.5306% | 950 |
| Tier 1 risk-based capital ratio | 19.4251% | 1,430 |
| Total risk-based capital ratio | 20.0005% | 1,530 |
| Memoranda: | ||
| Average total assets | $51,698,400 | 5,125 |
| Average earning assets | $49,701,800 | 5,068 |
| Average equity | $7,474,800 | 4,866 |
| Average total loans | $41,293,800 | 4,687 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 318 |
| Cost of funding earning assets | 0.4461% | 2,751 |
| Net interest margin | 4.9071% | 270 |
| Noninterest income to average assets | 1.6290% | 414 |
| Noninterest expense to average assets | 3.9779% | 534 |
| Loan and lease loss provision to assets | 0.1705% | 1,183 |
| Net operating income to assets | 1.3368% | 1,231 |
| Return on assets (ROA) | 1.3368% | 1,258 |
| Pretax return on assets | 2.1838% | 380 |
| Return on Equity (ROE) | 8.9576% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.9576% | 853 |
| Net charge-offs to loans | 0.0034% | 3,618 |
| Credit loss provision to net charge-offs | 6,300.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 872.1579% | 113 |
| Efficiency ratio | 62.8205% | 3,750 |
| Assets per employee ($millions) | 4.0579% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 5,542 |
| Loan loss allowance to noncurrent loans | 328.0702% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,706 |
| Noncurrent loans to loans | 0.1295% | 4,542 |
| Net loans and leases to total assets | 83.1024% | 534 |
| Net loans and leases to deposits | 98.5855% | 859 |
| Net loans and leases to core deposits | 106.0142% | 1,271 |
| Total domestic deposits to total assets | 84.2947% | 3,000 |
| Equity capital to assets | 14.7423% | 800 |
| Core capital (leverage) ratio | 14.7409% | 713 |
| Tier 1 risk-based capital ratio | 21.3271% | 1,141 |
| Total risk-based capital ratio | 21.8714% | 1,230 |
| Memoranda: | ||
| Average total assets | $49,271,250 | 5,231 |
| Average earning assets | $47,223,250 | 5,175 |
| Average equity | $7,353,000 | 4,936 |
| Average total loans | $39,473,500 | 4,794 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 364 |
| Cost of funding earning assets | 0.4044% | 3,027 |
| Net interest margin | 4.8396% | 296 |
| Noninterest income to average assets | 1.7086% | 395 |
| Noninterest expense to average assets | 4.0906% | 475 |
| Loan and lease loss provision to assets | 0.2661% | 615 |
| Net operating income to assets | 1.2471% | 1,449 |
| Return on assets (ROA) | 1.2471% | 1,474 |
| Pretax return on assets | 1.9788% | 548 |
| Return on Equity (ROE) | 8.3198% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.3198% | 1,051 |
| Net charge-offs to loans | 0.0053% | 3,282 |
| Credit loss provision to net charge-offs | 6,400.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 540.0000% | 154 |
| Efficiency ratio | 64.5669% | 3,577 |
| Assets per employee ($millions) | 3.9882% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4418% | 5,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.7039% | 706 |
| Net loans and leases to deposits | 96.5515% | 1,024 |
| Net loans and leases to core deposits | 103.2842% | 1,414 |
| Total domestic deposits to total assets | 84.6221% | 2,972 |
| Equity capital to assets | 14.6604% | 777 |
| Core capital (leverage) ratio | 13.8505% | 899 |
| Tier 1 risk-based capital ratio | 21.3132% | 1,142 |
| Total risk-based capital ratio | 21.8745% | 1,225 |
| Memoranda: | ||
| Average total assets | $48,110,670 | 5,289 |
| Average earning assets | $45,996,000 | 5,237 |
| Average equity | $7,211,670 | 4,979 |
| Average total loans | $37,956,000 | 4,877 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4881% | 233 |
| Cost of funding earning assets | 0.3367% | 3,675 |
| Net interest margin | 5.1513% | 167 |
| Noninterest income to average assets | 1.6608% | 410 |
| Noninterest expense to average assets | 4.1261% | 467 |
| Loan and lease loss provision to assets | 0.3287% | 375 |
| Net operating income to assets | 1.2197% | 1,463 |
| Return on assets (ROA) | 1.2197% | 1,499 |
| Pretax return on assets | 2.1020% | 411 |
| Return on Equity (ROE) | 8.0376% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.0376% | 1,443 |
| Net charge-offs to loans | 0.0224% | 2,321 |
| Credit loss provision to net charge-offs | 1,900.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 389 |
| Efficiency ratio | 62.9288% | 3,998 |
| Assets per employee ($millions) | 3.7612% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4472% | 5,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,377 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.3020% | 1,855 |
| Net loans and leases to deposits | 86.7968% | 1,939 |
| Net loans and leases to core deposits | 93.8664% | 1,994 |
| Total domestic deposits to total assets | 84.4524% | 3,309 |
| Equity capital to assets | 15.0465% | 648 |
| Core capital (leverage) ratio | 15.5228% | 520 |
| Tier 1 risk-based capital ratio | 25.1934% | 757 |
| Total risk-based capital ratio | 25.7965% | 794 |
| Memoranda: | ||
| Average total assets | $46,242,500 | 5,382 |
| Average earning assets | $43,950,000 | 5,349 |
| Average equity | $7,017,000 | 5,057 |
| Average total loans | $35,659,500 | 4,978 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 550 |
| Cost of funding earning assets | 0.2455% | 4,606 |
| Net interest margin | 4.7995% | 349 |
| Noninterest income to average assets | 1.3105% | 665 |
| Noninterest expense to average assets | 5.2707% | 233 |
| Loan and lease loss provision to assets | 0.3115% | 602 |
| Net operating income to assets | 0.5055% | 4,610 |
| Return on assets (ROA) | 0.5055% | 4,684 |
| Pretax return on assets | 0.2252% | 5,468 |
| Return on Equity (ROE) | 3.1962% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.1962% | 3,636 |
| Net charge-offs to loans | 0.0169% | 3,734 |
| Credit loss provision to net charge-offs | 2,600.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 44.8000% | 1,086 |
| Efficiency ratio | 90.7591% | 510 |
| Assets per employee ($millions) | 3.1136% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3568% | 5,766 |
| Loan loss allowance to noncurrent loans | 331.5789% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 4,938 |
| Noncurrent loans to loans | 0.1076% | 4,805 |
| Net loans and leases to total assets | 80.7318% | 777 |
| Net loans and leases to deposits | 96.4533% | 957 |
| Net loans and leases to core deposits | 105.4254% | 1,169 |
| Total domestic deposits to total assets | 83.7004% | 3,541 |
| Equity capital to assets | 15.3177% | 596 |
| Core capital (leverage) ratio | 15.5869% | 519 |
| Tier 1 risk-based capital ratio | 23.5872% | 907 |
| Total risk-based capital ratio | 24.0511% | 969 |
| Memoranda: | ||
| Average total assets | $41,740,200 | 5,512 |
| Average earning assets | $39,108,200 | 5,487 |
| Average equity | $6,601,600 | 5,168 |
| Average total loans | $29,665,200 | 5,199 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 634 |
| Cost of funding earning assets | 0.2486% | 4,614 |
| Net interest margin | 4.7229% | 419 |
| Noninterest income to average assets | 1.2920% | 693 |
| Noninterest expense to average assets | 5.3877% | 216 |
| Loan and lease loss provision to assets | 0.2035% | 1,037 |
| Net operating income to assets | 0.6008% | 4,288 |
| Return on assets (ROA) | 0.6008% | 4,405 |
| Pretax return on assets | 0.1195% | 5,655 |
| Return on Equity (ROE) | 3.7673% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.7673% | 3,626 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3439% | 373 |
| Assets per employee ($millions) | 3.1959% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1983% | 5,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 5,173 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.8759% | 2,365 |
| Net loans and leases to deposits | 83.6949% | 2,522 |
| Net loans and leases to core deposits | 90.4997% | 2,528 |
| Total domestic deposits to total assets | 84.6836% | 2,951 |
| Equity capital to assets | 15.0906% | 715 |
| Core capital (leverage) ratio | 16.0021% | 471 |
| Tier 1 risk-based capital ratio | 25.3975% | 771 |
| Total risk-based capital ratio | 25.6486% | 852 |
| Memoranda: | ||
| Average total assets | $41,277,750 | 5,571 |
| Average earning assets | $38,619,000 | 5,550 |
| Average equity | $6,582,750 | 5,219 |
| Average total loans | $28,252,250 | 5,304 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 570 |
| Cost of funding earning assets | 0.2411% | 4,745 |
| Net interest margin | 4.7787% | 385 |
| Noninterest income to average assets | 1.3608% | 620 |
| Noninterest expense to average assets | 5.8172% | 183 |
| Loan and lease loss provision to assets | 0.2841% | 648 |
| Net operating income to assets | -0.2991% | 5,880 |
| Return on assets (ROA) | -0.2991% | 5,893 |
| Pretax return on assets | -0.2941% | 5,880 |
| Return on Equity (ROE) | -1.8387% | 5,865 |
| Retained earnings to average equity (ytd only) | -1.8387% | 5,518 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1717% | 241 |
| Assets per employee ($millions) | 3.0088% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 5,209 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 5,169 |
| Noncurrent loans to loans | 0.0068% | 5,484 |
| Net loans and leases to total assets | 74.3193% | 1,775 |
| Net loans and leases to deposits | 89.8081% | 1,777 |
| Net loans and leases to core deposits | 98.4556% | 1,766 |
| Total domestic deposits to total assets | 82.7534% | 3,741 |
| Equity capital to assets | 16.6228% | 475 |
| Core capital (leverage) ratio | 15.3910% | 543 |
| Tier 1 risk-based capital ratio | 26.6315% | 677 |
| Total risk-based capital ratio | 27.6858% | 677 |
| Memoranda: | ||
| Average total assets | $40,122,670 | 5,659 |
| Average earning assets | $37,332,330 | 5,641 |
| Average equity | $6,526,330 | 5,279 |
| Average total loans | $27,210,000 | 5,397 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4980% | 1,511 |
| Cost of funding earning assets | 0.2652% | 4,547 |
| Net interest margin | 4.2327% | 1,030 |
| Noninterest income to average assets | 1.2898% | 660 |
| Noninterest expense to average assets | 5.1887% | 247 |
| Loan and lease loss provision to assets | 0.3151% | 487 |
| Net operating income to assets | -0.2954% | 5,913 |
| Return on assets (ROA) | -0.2954% | 5,919 |
| Pretax return on assets | -0.2855% | 5,911 |
| Return on Equity (ROE) | -1.8353% | 5,903 |
| Retained earnings to average equity (ytd only) | -1.8353% | 5,372 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4340% | 306 |
| Assets per employee ($millions) | 2.5956% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 5,001 |
| Loan loss allowance to noncurrent loans | 12,150.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 5,188 |
| Noncurrent loans to loans | 0.0075% | 5,494 |
| Net loans and leases to total assets | 67.5117% | 2,726 |
| Net loans and leases to deposits | 81.7472% | 2,576 |
| Net loans and leases to core deposits | 89.6579% | 2,407 |
| Total domestic deposits to total assets | 82.5859% | 4,041 |
| Equity capital to assets | 16.7643% | 443 |
| Core capital (leverage) ratio | 16.4519% | 426 |
| Tier 1 risk-based capital ratio | 25.7719% | 751 |
| Total risk-based capital ratio | 26.7940% | 756 |
| Memoranda: | ||
| Average total assets | $40,626,500 | 5,707 |
| Average earning assets | $37,706,000 | 5,691 |
| Average equity | $6,538,500 | 5,316 |
| Average total loans | $26,159,000 | 5,478 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2132% | 6,139 |
| Cost of funding earning assets | 0.0708% | 6,063 |
| Net interest margin | 1.1424% | 6,133 |
| Noninterest income to average assets | 0.2933% | 4,787 |
| Noninterest expense to average assets | 1.4436% | 6,015 |
| Loan and lease loss provision to assets | -0.0513% | 5,753 |
| Net operating income to assets | -0.0427% | 5,894 |
| Return on assets (ROA) | -0.0427% | 5,916 |
| Pretax return on assets | -0.0427% | 5,905 |
| Return on Equity (ROE) | -0.4957% | 5,919 |
| Retained earnings to average equity (ytd only) | -0.4957% | 5,593 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9620% | 174 |
| Assets per employee ($millions) | 3.0228% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 5,173 |
| Noncurrent loans to loans | 0.0271% | 5,406 |
| Net loans and leases to total assets | 60.9419% | 3,703 |
| Net loans and leases to deposits | 72.5947% | 3,655 |
| Net loans and leases to core deposits | 78.2844% | 3,516 |
| Total domestic deposits to total assets | 83.9481% | 3,501 |
| Equity capital to assets | 15.4777% | 599 |
| Core capital (leverage) ratio | 15.3566% | 557 |
| Tier 1 risk-based capital ratio | 26.3596% | 719 |
| Total risk-based capital ratio | 26.3596% | 793 |
| Memoranda: | ||
| Average total assets | $35,121,600 | 5,869 |
| Average earning assets | $32,475,600 | 5,844 |
| Average equity | $3,026,200 | 6,001 |
| Average total loans | $26,420,200 | 5,507 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 230 |
| Cost of funding earning assets | 0.3674% | 3,577 |
| Net interest margin | 5.2217% | 179 |
| Noninterest income to average assets | 1.4044% | 633 |
| Noninterest expense to average assets | 5.8058% | 190 |
| Loan and lease loss provision to assets | -0.0320% | 5,878 |
| Net operating income to assets | 0.4641% | 4,918 |
| Return on assets (ROA) | 0.4241% | 5,160 |
| Pretax return on assets | 0.4241% | 5,414 |
| Return on Equity (ROE) | 6.5880% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.5880% | 1,896 |
| Net charge-offs to loans | 0.1555% | 1,584 |
| Credit loss provision to net charge-offs | -25.8065% | 4,904 |
| Earnings coverage of net charge-offs (x) | 3.4842% | 3,494 |
| Efficiency ratio | 93.0725% | 520 |
| Assets per employee ($millions) | 2.4662% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4759% | 6,036 |
| Loan loss allowance to noncurrent loans | 265.2174% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 4,987 |
| Noncurrent loans to loans | 0.1794% | 4,936 |
| Net loans and leases to total assets | 79.5789% | 870 |
| Net loans and leases to deposits | 85.6227% | 2,189 |
| Net loans and leases to core deposits | 94.6117% | 2,024 |
| Total domestic deposits to total assets | 92.9414% | 50 |
| Equity capital to assets | 7.0212% | 6,150 |
| Core capital (leverage) ratio | 6.7830% | 6,152 |
| Tier 1 risk-based capital ratio | 10.6516% | 5,824 |
| Total risk-based capital ratio | 11.2289% | 6,003 |
| Memoranda: | ||
| Average total assets | $33,322,250 | 5,984 |
| Average earning assets | $30,845,000 | 5,963 |
| Average equity | $2,145,250 | 6,167 |
| Average total loans | $26,577,750 | 5,563 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 216 |
| Cost of funding earning assets | 0.3604% | 3,697 |
| Net interest margin | 5.2766% | 167 |
| Noninterest income to average assets | 1.3573% | 666 |
| Noninterest expense to average assets | 5.6012% | 211 |
| Loan and lease loss provision to assets | -0.0296% | 5,993 |
| Net operating income to assets | 0.6461% | 4,139 |
| Return on assets (ROA) | 0.5868% | 4,505 |
| Pretax return on assets | 0.5868% | 5,009 |
| Return on Equity (ROE) | 9.3839% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.3839% | 808 |
| Net charge-offs to loans | 0.1934% | 1,297 |
| Credit loss provision to net charge-offs | -19.2308% | 4,723 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,102 |
| Efficiency ratio | 90.0858% | 742 |
| Assets per employee ($millions) | 2.5489% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 6,081 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 5,106 |
| Noncurrent loans to loans | 0.1758% | 5,068 |
| Net loans and leases to total assets | 76.8620% | 1,245 |
| Net loans and leases to deposits | 82.2802% | 2,520 |
| Net loans and leases to core deposits | 90.5436% | 2,294 |
| Total domestic deposits to total assets | 93.4150% | 43 |
| Equity capital to assets | 6.5337% | 6,244 |
| Core capital (leverage) ratio | 6.4546% | 6,246 |
| Tier 1 risk-based capital ratio | 9.4836% | 6,207 |
| Total risk-based capital ratio | 10.0530% | 6,261 |
| Memoranda: | ||
| Average total assets | $33,743,000 | 6,041 |
| Average earning assets | $31,080,330 | 6,025 |
| Average equity | $2,110,000 | 6,246 |
| Average total loans | $26,892,000 | 5,596 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 236 |
| Cost of funding earning assets | 0.3733% | 3,612 |
| Net interest margin | 5.1878% | 183 |
| Noninterest income to average assets | 1.4098% | 590 |
| Noninterest expense to average assets | 5.7333% | 204 |
| Loan and lease loss provision to assets | 0.0117% | 3,574 |
| Net operating income to assets | 0.3995% | 5,067 |
| Return on assets (ROA) | 0.2820% | 5,571 |
| Pretax return on assets | 0.2820% | 5,686 |
| Return on Equity (ROE) | 4.6098% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.6098% | 3,265 |
| Net charge-offs to loans | 0.3777% | 652 |
| Credit loss provision to net charge-offs | 3.8462% | 2,467 |
| Earnings coverage of net charge-offs (x) | 1.3462% | 2,932 |
| Efficiency ratio | 93.3078% | 629 |
| Assets per employee ($millions) | 2.8297% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5063% | 6,163 |
| Loan loss allowance to noncurrent loans | 302.2222% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 5,196 |
| Noncurrent loans to loans | 0.1675% | 5,169 |
| Net loans and leases to total assets | 78.7136% | 837 |
| Net loans and leases to deposits | 84.0345% | 2,068 |
| Net loans and leases to core deposits | 92.2100% | 1,925 |
| Total domestic deposits to total assets | 93.6683% | 37 |
| Equity capital to assets | 6.2581% | 6,325 |
| Core capital (leverage) ratio | 6.4076% | 6,308 |
| Tier 1 risk-based capital ratio | 9.4836% | 6,274 |
| Total risk-based capital ratio | 10.0906% | 6,321 |
| Memoranda: | ||
| Average total assets | $34,046,500 | 6,095 |
| Average earning assets | $31,073,000 | 6,090 |
| Average equity | $2,082,500 | 6,313 |
| Average total loans | $27,538,500 | 5,615 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9685% | 162 |
| Cost of funding earning assets | 0.3788% | 3,923 |
| Net interest margin | 5.5897% | 114 |
| Noninterest income to average assets | 1.3955% | 625 |
| Noninterest expense to average assets | 5.9863% | 184 |
| Loan and lease loss provision to assets | 0.0210% | 4,196 |
| Net operating income to assets | 0.2906% | 5,540 |
| Return on assets (ROA) | 0.3025% | 5,583 |
| Pretax return on assets | 0.3055% | 5,694 |
| Return on Equity (ROE) | 5.2577% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.2577% | 2,429 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0095% | 546 |
| Assets per employee ($millions) | 2.2758% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5742% | 6,178 |
| Loan loss allowance to noncurrent loans | 231.4286% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 4,984 |
| Noncurrent loans to loans | 0.2481% | 4,941 |
| Net loans and leases to total assets | 82.1718% | 502 |
| Net loans and leases to deposits | 95.5546% | 938 |
| Net loans and leases to core deposits | 105.6813% | 1,033 |
| Total domestic deposits to total assets | 85.9947% | 2,847 |
| Equity capital to assets | 5.9759% | 6,412 |
| Core capital (leverage) ratio | 6.3593% | 6,379 |
| Tier 1 risk-based capital ratio | 8.8535% | 6,416 |
| Total risk-based capital ratio | 9.5336% | 6,436 |
| Memoranda: | ||
| Average total assets | $33,393,000 | 6,191 |
| Average earning assets | $29,304,000 | 6,193 |
| Average equity | $1,921,000 | 6,413 |
| Average total loans | $25,546,400 | 5,759 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8778% | 172 |
| Cost of funding earning assets | 0.3673% | 4,153 |
| Net interest margin | 5.5105% | 134 |
| Noninterest income to average assets | 1.4294% | 616 |
| Noninterest expense to average assets | 5.8902% | 190 |
| Loan and lease loss provision to assets | 0.0281% | 3,845 |
| Net operating income to assets | 0.3254% | 5,511 |
| Return on assets (ROA) | 0.3413% | 5,529 |
| Pretax return on assets | 0.3453% | 5,686 |
| Return on Equity (ROE) | 5.9923% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.9923% | 2,414 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2802% | 582 |
| Assets per employee ($millions) | 1.9676% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 6,220 |
| Loan loss allowance to noncurrent loans | 114.8936% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 4,021 |
| Noncurrent loans to loans | 0.5249% | 4,360 |
| Net loans and leases to total assets | 79.8230% | 734 |
| Net loans and leases to deposits | 89.5342% | 1,477 |
| Net loans and leases to core deposits | 97.3813% | 1,563 |
| Total domestic deposits to total assets | 89.1536% | 1,149 |
| Equity capital to assets | 5.9165% | 6,482 |
| Core capital (leverage) ratio | 6.3517% | 6,447 |
| Tier 1 risk-based capital ratio | 9.2195% | 6,460 |
| Total risk-based capital ratio | 9.9335% | 6,495 |
| Memoranda: | ||
| Average total assets | $33,207,000 | 6,270 |
| Average earning assets | $29,035,000 | 6,276 |
| Average equity | $1,891,250 | 6,494 |
| Average total loans | $24,879,750 | 5,846 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 199 |
| Cost of funding earning assets | 0.3813% | 4,092 |
| Net interest margin | 5.3654% | 157 |
| Noninterest income to average assets | 1.4188% | 601 |
| Noninterest expense to average assets | 5.7598% | 200 |
| Loan and lease loss provision to assets | 0.0121% | 4,008 |
| Net operating income to assets | 0.3139% | 5,521 |
| Return on assets (ROA) | 0.3139% | 5,598 |
| Pretax return on assets | 0.3200% | 5,747 |
| Return on Equity (ROE) | 5.5854% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.5854% | 2,591 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5491% | 615 |
| Assets per employee ($millions) | 2.2382% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 6,285 |
| Loan loss allowance to noncurrent loans | 713.6364% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 5,315 |
| Noncurrent loans to loans | 0.0868% | 5,760 |
| Net loans and leases to total assets | 75.0335% | 1,302 |
| Net loans and leases to deposits | 86.3119% | 1,791 |
| Net loans and leases to core deposits | 93.1654% | 1,849 |
| Total domestic deposits to total assets | 86.9330% | 2,485 |
| Equity capital to assets | 5.7665% | 6,551 |
| Core capital (leverage) ratio | 6.3079% | 6,506 |
| Tier 1 risk-based capital ratio | 9.3103% | 6,515 |
| Total risk-based capital ratio | 10.0213% | 6,548 |
| Memoranda: | ||
| Average total assets | $33,126,330 | 6,326 |
| Average earning assets | $28,851,330 | 6,336 |
| Average equity | $1,862,000 | 6,555 |
| Average total loans | $24,219,000 | 5,918 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 269 |
| Cost of funding earning assets | 0.3771% | 4,230 |
| Net interest margin | 5.1683% | 194 |
| Noninterest income to average assets | 1.3859% | 606 |
| Noninterest expense to average assets | 5.5800% | 227 |
| Loan and lease loss provision to assets | 0.0729% | 2,676 |
| Net operating income to assets | 0.2188% | 5,748 |
| Return on assets (ROA) | 0.2188% | 5,800 |
| Pretax return on assets | 0.2310% | 5,868 |
| Return on Equity (ROE) | 3.9452% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.9452% | 3,748 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8347% | 703 |
| Assets per employee ($millions) | 2.2147% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 6,355 |
| Loan loss allowance to noncurrent loans | 257.3770% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 5,429 |
| Noncurrent loans to loans | 0.2491% | 5,360 |
| Net loans and leases to total assets | 73.2549% | 1,393 |
| Net loans and leases to deposits | 82.5593% | 1,999 |
| Net loans and leases to core deposits | 89.8604% | 1,923 |
| Total domestic deposits to total assets | 88.7300% | 1,813 |
| Equity capital to assets | 5.5748% | 6,600 |
| Core capital (leverage) ratio | 6.2620% | 6,557 |
| Tier 1 risk-based capital ratio | 9.5607% | 6,538 |
| Total risk-based capital ratio | 10.3015% | 6,589 |
| Memoranda: | ||
| Average total assets | $32,903,000 | 6,396 |
| Average earning assets | $28,636,000 | 6,403 |
| Average equity | $1,825,000 | 6,625 |
| Average total loans | $23,654,500 | 5,997 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 393 |
| Cost of funding earning assets | 0.3680% | 4,975 |
| Net interest margin | 5.0826% | 269 |
| Noninterest income to average assets | 1.4209% | 691 |
| Noninterest expense to average assets | 5.8210% | 219 |
| Loan and lease loss provision to assets | 0.1469% | 2,455 |
| Net operating income to assets | -0.1373% | 6,331 |
| Return on assets (ROA) | -0.0766% | 6,303 |
| Pretax return on assets | -0.0766% | 6,273 |
| Return on Equity (ROE) | -1.3533% | 6,346 |
| Retained earnings to average equity (ytd only) | -1.3533% | 6,109 |
| Net charge-offs to loans | 0.5284% | 1,258 |
| Credit loss provision to net charge-offs | 40.7080% | 4,033 |
| Earnings coverage of net charge-offs (x) | 0.0265% | 5,085 |
| Efficiency ratio | 99.8357% | 480 |
| Assets per employee ($millions) | 2.3275% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 6,380 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 5,345 |
| Noncurrent loans to loans | 0.3375% | 5,175 |
| Net loans and leases to total assets | 69.5473% | 2,089 |
| Net loans and leases to deposits | 79.5465% | 2,513 |
| Net loans and leases to core deposits | 86.0038% | 2,446 |
| Total domestic deposits to total assets | 87.4298% | 2,506 |
| Equity capital to assets | 5.5179% | 6,652 |
| Core capital (leverage) ratio | 6.2933% | 6,621 |
| Tier 1 risk-based capital ratio | 9.8595% | 6,547 |
| Total risk-based capital ratio | 10.6160% | 6,603 |
| Memoranda: | ||
| Average total assets | $31,317,600 | 6,498 |
| Average earning assets | $27,171,400 | 6,503 |
| Average equity | $1,773,400 | 6,724 |
| Average total loans | $21,386,800 | 6,135 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 492 |
| Cost of funding earning assets | 0.3705% | 5,092 |
| Net interest margin | 4.9750% | 334 |
| Noninterest income to average assets | 1.4494% | 701 |
| Noninterest expense to average assets | 5.7933% | 222 |
| Loan and lease loss provision to assets | 0.2666% | 1,326 |
| Net operating income to assets | -0.2795% | 6,513 |
| Return on assets (ROA) | -0.1978% | 6,488 |
| Pretax return on assets | -0.1978% | 6,470 |
| Return on Equity (ROE) | -3.4704% | 6,543 |
| Retained earnings to average equity (ytd only) | -3.4704% | 6,390 |
| Net charge-offs to loans | 0.1839% | 2,760 |
| Credit loss provision to net charge-offs | 213.7931% | 1,137 |
| Earnings coverage of net charge-offs (x) | -0.1034% | 4,885 |
| Efficiency ratio | 100.2232% | 458 |
| Assets per employee ($millions) | 2.3616% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,135 |
| Loan loss allowance to noncurrent loans | 144.3182% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.8026% | 2,272 |
| Noncurrent loans to loans | 0.7943% | 4,256 |
| Net loans and leases to total assets | 66.2493% | 2,590 |
| Net loans and leases to deposits | 69.9965% | 3,787 |
| Net loans and leases to core deposits | 73.7682% | 3,878 |
| Total domestic deposits to total assets | 94.6466% | 48 |
| Equity capital to assets | 5.1417% | 6,765 |
| Core capital (leverage) ratio | 6.0353% | 6,714 |
| Tier 1 risk-based capital ratio | 9.0514% | 6,720 |
| Total risk-based capital ratio | 10.2769% | 6,722 |
| Memoranda: | ||
| Average total assets | $31,000,750 | 6,572 |
| Average earning assets | $26,987,750 | 6,579 |
| Average equity | $1,767,250 | 6,804 |
| Average total loans | $21,029,500 | 6,214 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3707% | 466 |
| Cost of funding earning assets | 0.3863% | 5,065 |
| Net interest margin | 4.9843% | 316 |
| Noninterest income to average assets | 1.4647% | 737 |
| Noninterest expense to average assets | 5.8588% | 220 |
| Loan and lease loss provision to assets | 0.1583% | 2,345 |
| Net operating income to assets | -0.2111% | 6,495 |
| Return on assets (ROA) | -0.0858% | 6,443 |
| Pretax return on assets | -0.0858% | 6,422 |
| Return on Equity (ROE) | -1.4528% | 6,492 |
| Retained earnings to average equity (ytd only) | -1.4528% | 6,120 |
| Net charge-offs to loans | 0.1259% | 3,115 |
| Credit loss provision to net charge-offs | 184.6154% | 1,294 |
| Earnings coverage of net charge-offs (x) | -0.6154% | 4,675 |
| Efficiency ratio | 100.9091% | 460 |
| Assets per employee ($millions) | 2.3289% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,696 |
| Loan loss allowance to noncurrent loans | 168.6131% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7803% | 2,436 |
| Noncurrent loans to loans | 0.6128% | 4,721 |
| Net loans and leases to total assets | 73.0777% | 1,392 |
| Net loans and leases to deposits | 79.9834% | 2,319 |
| Net loans and leases to core deposits | 84.8839% | 2,443 |
| Total domestic deposits to total assets | 91.3661% | 420 |
| Equity capital to assets | 5.5423% | 6,788 |
| Core capital (leverage) ratio | 5.9485% | 6,758 |
| Tier 1 risk-based capital ratio | 8.9633% | 6,761 |
| Total risk-based capital ratio | 10.1010% | 6,770 |
| Memoranda: | ||
| Average total assets | $30,313,330 | 6,628 |
| Average earning assets | $26,402,670 | 6,646 |
| Average equity | $1,789,670 | 6,846 |
| Average total loans | $20,653,330 | 6,270 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 417 |
| Cost of funding earning assets | 0.3939% | 5,168 |
| Net interest margin | 5.0294% | 286 |
| Noninterest income to average assets | 1.3979% | 787 |
| Noninterest expense to average assets | 5.7233% | 235 |
| Loan and lease loss provision to assets | 0.0791% | 3,321 |
| Net operating income to assets | -0.0264% | 6,375 |
| Return on assets (ROA) | 0.0791% | 6,277 |
| Pretax return on assets | 0.0791% | 6,291 |
| Return on Equity (ROE) | 1.3005% | 6,145 |
| Retained earnings to average equity (ytd only) | 1.3005% | 5,326 |
| Net charge-offs to loans | 0.0606% | 3,210 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,385 |
| Efficiency ratio | 99.0868% | 581 |
| Assets per employee ($millions) | 2.1779% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 5,641 |
| Loan loss allowance to noncurrent loans | 137.4233% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.8792% | 2,504 |
| Noncurrent loans to loans | 0.7938% | 4,533 |
| Net loans and leases to total assets | 66.6065% | 2,266 |
| Net loans and leases to deposits | 70.9386% | 3,333 |
| Net loans and leases to core deposits | 75.1239% | 3,450 |
| Total domestic deposits to total assets | 93.8933% | 78 |
| Equity capital to assets | 6.0477% | 6,825 |
| Core capital (leverage) ratio | 6.0265% | 6,801 |
| Tier 1 risk-based capital ratio | 9.2053% | 6,789 |
| Total risk-based capital ratio | 10.3277% | 6,803 |
| Memoranda: | ||
| Average total assets | $30,332,000 | 6,698 |
| Average earning assets | $26,405,000 | 6,713 |
| Average equity | $1,845,500 | 6,905 |
| Average total loans | $19,802,000 | 6,368 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3480% | 829 |
| Cost of funding earning assets | 0.4562% | 5,534 |
| Net interest margin | 4.8918% | 454 |
| Noninterest income to average assets | 1.4435% | 752 |
| Noninterest expense to average assets | 6.1631% | 209 |
| Loan and lease loss provision to assets | -0.2395% | 6,997 |
| Net operating income to assets | -0.3426% | 6,475 |
| Return on assets (ROA) | -0.3326% | 6,515 |
| Pretax return on assets | -0.3326% | 6,496 |
| Return on Equity (ROE) | -5.7412% | 6,616 |
| Retained earnings to average equity (ytd only) | -5.7412% | 6,466 |
| Net charge-offs to loans | 0.1317% | 4,357 |
| Credit loss provision to net charge-offs | -288.0000% | 6,445 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 5,927 |
| Efficiency ratio | 110.4291% | 326 |
| Assets per employee ($millions) | 2.1552% | 6,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,310 |
| Loan loss allowance to noncurrent loans | 230.2083% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.7201% | 2,816 |
| Noncurrent loans to loans | 0.5034% | 5,277 |
| Net loans and leases to total assets | 62.4731% | 3,169 |
| Net loans and leases to deposits | 66.5654% | 4,198 |
| Net loans and leases to core deposits | 69.8795% | 4,330 |
| Total domestic deposits to total assets | 93.8521% | 73 |
| Equity capital to assets | 6.1214% | 6,883 |
| Core capital (leverage) ratio | 6.1613% | 6,836 |
| Tier 1 risk-based capital ratio | 9.6677% | 6,776 |
| Total risk-based capital ratio | 10.8333% | 6,777 |
| Memoranda: | ||
| Average total assets | $30,066,000 | 6,753 |
| Average earning assets | $25,430,200 | 6,771 |
| Average equity | $1,741,800 | 6,992 |
| Average total loans | $18,976,200 | 6,464 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 914 |
| Cost of funding earning assets | 0.4695% | 5,647 |
| Net interest margin | 4.8850% | 491 |
| Noninterest income to average assets | 1.4869% | 678 |
| Noninterest expense to average assets | 6.3515% | 186 |
| Loan and lease loss provision to assets | -0.2707% | 7,110 |
| Net operating income to assets | -0.4838% | 6,694 |
| Return on assets (ROA) | -0.4838% | 6,726 |
| Pretax return on assets | -0.4838% | 6,700 |
| Return on Equity (ROE) | -8.4716% | 6,827 |
| Retained earnings to average equity (ytd only) | -8.4716% | 6,766 |
| Net charge-offs to loans | 0.1829% | 3,654 |
| Credit loss provision to net charge-offs | -234.6154% | 6,350 |
| Earnings coverage of net charge-offs (x) | -6.5376% | 5,726 |
| Efficiency ratio | 113.4814% | 248 |
| Assets per employee ($millions) | 2.4772% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 5,138 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 417 |
| Noncurrent assets plus other real estate owned to assets | 2.0117% | 2,619 |
| Noncurrent loans to loans | 0.1172% | 6,319 |
| Net loans and leases to total assets | 62.3663% | 3,322 |
| Net loans and leases to deposits | 66.4862% | 4,414 |
| Net loans and leases to core deposits | 69.2115% | 4,589 |
| Total domestic deposits to total assets | 93.8034% | 75 |
| Equity capital to assets | 6.1663% | 6,976 |
| Core capital (leverage) ratio | 6.0779% | 6,943 |
| Tier 1 risk-based capital ratio | 9.8381% | 6,835 |
| Total risk-based capital ratio | 11.0847% | 6,819 |
| Memoranda: | ||
| Average total assets | $30,039,250 | 6,840 |
| Average earning assets | $25,274,250 | 6,866 |
| Average equity | $1,715,500 | 7,090 |
| Average total loans | $18,952,500 | 6,554 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 1,021 |
| Cost of funding earning assets | 0.5005% | 5,615 |
| Net interest margin | 4.8148% | 543 |
| Noninterest income to average assets | 1.5260% | 631 |
| Noninterest expense to average assets | 5.6596% | 248 |
| Loan and lease loss provision to assets | 0.0332% | 5,257 |
| Net operating income to assets | -0.1460% | 6,484 |
| Return on assets (ROA) | -0.1460% | 6,577 |
| Pretax return on assets | -0.1460% | 6,552 |
| Return on Equity (ROE) | -2.6248% | 6,652 |
| Retained earnings to average equity (ytd only) | -2.6248% | 6,421 |
| Net charge-offs to loans | 0.3471% | 2,629 |
| Credit loss provision to net charge-offs | 15.1515% | 4,679 |
| Earnings coverage of net charge-offs (x) | -0.5152% | 5,241 |
| Efficiency ratio | 102.0335% | 496 |
| Assets per employee ($millions) | 3.3410% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 3,834 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 2.8634% | 1,924 |
| Noncurrent loans to loans | 0.5833% | 5,341 |
| Net loans and leases to total assets | 61.7546% | 3,490 |
| Net loans and leases to deposits | 65.6914% | 4,539 |
| Net loans and leases to core deposits | 69.1944% | 4,638 |
| Total domestic deposits to total assets | 94.0071% | 79 |
| Equity capital to assets | 5.9630% | 7,028 |
| Core capital (leverage) ratio | 5.9449% | 6,996 |
| Tier 1 risk-based capital ratio | 9.4926% | 6,926 |
| Total risk-based capital ratio | 10.7438% | 6,917 |
| Memoranda: | ||
| Average total assets | $30,143,670 | 6,888 |
| Average earning assets | $25,172,330 | 6,923 |
| Average equity | $1,676,330 | 7,151 |
| Average total loans | $19,013,330 | 6,598 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3650% | 976 |
| Cost of funding earning assets | 0.5125% | 5,734 |
| Net interest margin | 4.8526% | 507 |
| Noninterest income to average assets | 1.5374% | 610 |
| Noninterest expense to average assets | 5.5664% | 257 |
| Loan and lease loss provision to assets | -0.1325% | 7,194 |
| Net operating income to assets | 0.1193% | 6,196 |
| Return on assets (ROA) | 0.1193% | 6,326 |
| Pretax return on assets | 0.1193% | 6,351 |
| Return on Equity (ROE) | 2.2250% | 6,001 |
| Retained earnings to average equity (ytd only) | 2.2250% | 5,151 |
| Net charge-offs to loans | 0.0629% | 3,868 |
| Credit loss provision to net charge-offs | -333.3333% | 5,700 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 4,477 |
| Efficiency ratio | 100.2387% | 545 |
| Assets per employee ($millions) | 2.5728% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 3,607 |
| Loan loss allowance to noncurrent loans | 429.5775% | 786 |
| Noncurrent assets plus other real estate owned to assets | 3.5110% | 1,633 |
| Noncurrent loans to loans | 0.3798% | 5,914 |
| Net loans and leases to total assets | 59.5614% | 3,759 |
| Net loans and leases to deposits | 62.8899% | 4,785 |
| Net loans and leases to core deposits | 66.1189% | 4,898 |
| Total domestic deposits to total assets | 94.7075% | 67 |
| Equity capital to assets | 5.2569% | 7,125 |
| Core capital (leverage) ratio | 5.3851% | 7,089 |
| Tier 1 risk-based capital ratio | 8.6066% | 7,070 |
| Total risk-based capital ratio | 9.8636% | 7,070 |
| Memoranda: | ||
| Average total assets | $30,181,000 | 6,943 |
| Average earning assets | $24,976,500 | 6,982 |
| Average equity | $1,618,000 | 7,215 |
| Average total loans | $19,090,500 | 6,651 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 730 |
| Cost of funding earning assets | 0.6833% | 5,643 |
| Net interest margin | 5.0503% | 369 |
| Noninterest income to average assets | 1.2596% | 816 |
| Noninterest expense to average assets | 5.7370% | 239 |
| Loan and lease loss provision to assets | 0.0361% | 6,117 |
| Net operating income to assets | -0.1738% | 6,230 |
| Return on assets (ROA) | -0.1443% | 6,275 |
| Pretax return on assets | -0.1443% | 6,244 |
| Return on Equity (ROE) | -3.0830% | 6,418 |
| Retained earnings to average equity (ytd only) | -3.0830% | 6,285 |
| Net charge-offs to loans | 1.5758% | 1,003 |
| Credit loss provision to net charge-offs | 3.3333% | 6,052 |
| Earnings coverage of net charge-offs (x) | -0.1273% | 5,909 |
| Efficiency ratio | 102.4605% | 602 |
| Assets per employee ($millions) | 2.2683% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 3,482 |
| Loan loss allowance to noncurrent loans | 337.2340% | 991 |
| Noncurrent assets plus other real estate owned to assets | 3.8355% | 1,501 |
| Noncurrent loans to loans | 0.4824% | 5,745 |
| Net loans and leases to total assets | 65.0095% | 2,985 |
| Net loans and leases to deposits | 68.8231% | 4,306 |
| Net loans and leases to core deposits | 70.3022% | 4,743 |
| Total domestic deposits to total assets | 94.4588% | 75 |
| Equity capital to assets | 5.4700% | 7,132 |
| Core capital (leverage) ratio | 5.1864% | 7,125 |
| Tier 1 risk-based capital ratio | 8.4473% | 7,087 |
| Total risk-based capital ratio | 9.7038% | 7,088 |
| Memoranda: | ||
| Average total assets | $30,486,200 | 6,958 |
| Average earning assets | $26,196,600 | 6,979 |
| Average equity | $1,427,200 | 7,297 |
| Average total loans | $20,941,800 | 6,612 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 667 |
| Cost of funding earning assets | 0.7294% | 5,597 |
| Net interest margin | 5.0957% | 342 |
| Noninterest income to average assets | 1.0975% | 1,106 |
| Noninterest expense to average assets | 5.7391% | 230 |
| Loan and lease loss provision to assets | 0.0477% | 5,847 |
| Net operating income to assets | -0.2950% | 6,482 |
| Return on assets (ROA) | -0.2559% | 6,516 |
| Pretax return on assets | -0.2559% | 6,459 |
| Return on Equity (ROE) | -5.6969% | 6,706 |
| Retained earnings to average equity (ytd only) | -5.6969% | 6,632 |
| Net charge-offs to loans | 1.9900% | 639 |
| Credit loss provision to net charge-offs | 3.4591% | 5,715 |
| Earnings coverage of net charge-offs (x) | -0.1792% | 5,710 |
| Efficiency ratio | 104.5024% | 537 |
| Assets per employee ($millions) | 2.5332% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 3,432 |
| Loan loss allowance to noncurrent loans | 86.1257% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 3.8884% | 1,586 |
| Noncurrent loans to loans | 1.9200% | 3,472 |
| Net loans and leases to total assets | 64.3694% | 3,237 |
| Net loans and leases to deposits | 68.0260% | 4,602 |
| Net loans and leases to core deposits | 69.4358% | 5,014 |
| Total domestic deposits to total assets | 94.6246% | 63 |
| Equity capital to assets | 5.2931% | 7,243 |
| Core capital (leverage) ratio | 5.0625% | 7,236 |
| Tier 1 risk-based capital ratio | 8.1252% | 7,183 |
| Total risk-based capital ratio | 9.3819% | 7,188 |
| Memoranda: | ||
| Average total assets | $30,735,750 | 7,016 |
| Average earning assets | $26,505,250 | 7,044 |
| Average equity | $1,380,750 | 7,376 |
| Average total loans | $21,305,500 | 6,661 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7265% | 837 |
| Cost of funding earning assets | 0.7870% | 5,463 |
| Net interest margin | 4.9395% | 445 |
| Noninterest income to average assets | 1.1281% | 1,015 |
| Noninterest expense to average assets | 5.8220% | 215 |
| Loan and lease loss provision to assets | 0.0713% | 5,417 |
| Net operating income to assets | -0.4927% | 6,682 |
| Return on assets (ROA) | -0.4992% | 6,712 |
| Pretax return on assets | -0.4992% | 6,654 |
| Return on Equity (ROE) | -11.8038% | 6,986 |
| Retained earnings to average equity (ytd only) | -11.8038% | 6,936 |
| Net charge-offs to loans | 2.8932% | 370 |
| Credit loss provision to net charge-offs | 3.4921% | 5,305 |
| Earnings coverage of net charge-offs (x) | -0.2063% | 5,409 |
| Efficiency ratio | 107.8031% | 518 |
| Assets per employee ($millions) | 2.3705% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 3,619 |
| Loan loss allowance to noncurrent loans | 78.7234% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 4.4716% | 1,409 |
| Noncurrent loans to loans | 2.0586% | 3,398 |
| Net loans and leases to total assets | 65.5969% | 3,116 |
| Net loans and leases to deposits | 69.1347% | 4,550 |
| Net loans and leases to core deposits | 71.2850% | 4,918 |
| Total domestic deposits to total assets | 94.8827% | 55 |
| Equity capital to assets | 5.0881% | 7,319 |
| Core capital (leverage) ratio | 5.0234% | 7,298 |
| Tier 1 risk-based capital ratio | 7.9003% | 7,252 |
| Total risk-based capital ratio | 9.1565% | 7,256 |
| Memoranda: | ||
| Average total assets | $30,848,330 | 7,080 |
| Average earning assets | $26,683,000 | 7,105 |
| Average equity | $1,304,670 | 7,457 |
| Average total loans | $21,775,330 | 6,697 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 1,208 |
| Cost of funding earning assets | 0.8633% | 5,186 |
| Net interest margin | 4.6736% | 747 |
| Noninterest income to average assets | 1.1405% | 1,004 |
| Noninterest expense to average assets | 5.3396% | 284 |
| Loan and lease loss provision to assets | 0.1037% | 4,714 |
| Net operating income to assets | -0.2333% | 6,596 |
| Return on assets (ROA) | -0.2462% | 6,620 |
| Pretax return on assets | -0.2462% | 6,577 |
| Return on Equity (ROE) | -6.4791% | 6,893 |
| Retained earnings to average equity (ytd only) | -6.4791% | 6,634 |
| Net charge-offs to loans | 4.7166% | 169 |
| Credit loss provision to net charge-offs | 3.0303% | 4,448 |
| Earnings coverage of net charge-offs (x) | -0.0379% | 4,609 |
| Efficiency ratio | 102.4876% | 656 |
| Assets per employee ($millions) | 2.3781% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 3,240 |
| Loan loss allowance to noncurrent loans | 74.5597% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 3.0503% | 2,262 |
| Noncurrent loans to loans | 2.3217% | 3,166 |
| Net loans and leases to total assets | 69.9628% | 2,135 |
| Net loans and leases to deposits | 73.1278% | 3,897 |
| Net loans and leases to core deposits | 74.7193% | 4,460 |
| Total domestic deposits to total assets | 95.6720% | 43 |
| Equity capital to assets | 3.9625% | 7,442 |
| Core capital (leverage) ratio | 4.1788% | 7,423 |
| Tier 1 risk-based capital ratio | 6.2312% | 7,416 |
| Total risk-based capital ratio | 7.4915% | 7,419 |
| Memoranda: | ||
| Average total assets | $30,864,000 | 7,131 |
| Average earning assets | $26,874,500 | 7,140 |
| Average equity | $1,173,000 | 7,524 |
| Average total loans | $22,389,000 | 6,718 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0587% | 758 |
| Cost of funding earning assets | 1.0204% | 5,589 |
| Net interest margin | 5.0382% | 392 |
| Noninterest income to average assets | 0.9973% | 1,510 |
| Noninterest expense to average assets | 5.9432% | 238 |
| Loan and lease loss provision to assets | 2.0259% | 646 |
| Net operating income to assets | -2.5417% | 7,190 |
| Return on assets (ROA) | -2.5386% | 7,207 |
| Pretax return on assets | -2.5386% | 7,178 |
| Return on Equity (ROE) | -45.4291% | 7,392 |
| Retained earnings to average equity (ytd only) | -45.4291% | 7,387 |
| Net charge-offs to loans | 1.3764% | 1,622 |
| Credit loss provision to net charge-offs | 192.8571% | 1,655 |
| Earnings coverage of net charge-offs (x) | -0.4911% | 6,451 |
| Efficiency ratio | 109.5046% | 545 |
| Assets per employee ($millions) | 2.3702% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7978% | 1,060 |
| Loan loss allowance to noncurrent loans | 96.9559% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 3.6283% | 1,896 |
| Noncurrent loans to loans | 2.8856% | 2,637 |
| Net loans and leases to total assets | 71.8236% | 2,137 |
| Net loans and leases to deposits | 74.8023% | 4,063 |
| Net loans and leases to core deposits | 76.4509% | 4,644 |
| Total domestic deposits to total assets | 96.0179% | 40 |
| Equity capital to assets | 3.6381% | 7,524 |
| Core capital (leverage) ratio | 3.8471% | 7,509 |
| Tier 1 risk-based capital ratio | 5.7170% | 7,494 |
| Total risk-based capital ratio | 6.9865% | 7,497 |
| Memoranda: | ||
| Average total assets | $31,986,400 | 7,146 |
| Average earning assets | $28,125,000 | 7,157 |
| Average equity | $1,787,400 | 7,542 |
| Average total loans | $24,411,400 | 6,707 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1867% | 631 |
| Cost of funding earning assets | 1.0592% | 5,650 |
| Net interest margin | 5.1274% | 335 |
| Noninterest income to average assets | 1.0161% | 1,422 |
| Noninterest expense to average assets | 5.6918% | 250 |
| Loan and lease loss provision to assets | 1.1359% | 1,276 |
| Net operating income to assets | -1.2928% | 7,029 |
| Return on assets (ROA) | -1.2887% | 7,053 |
| Pretax return on assets | -1.2887% | 6,973 |
| Return on Equity (ROE) | -21.2892% | 7,249 |
| Retained earnings to average equity (ytd only) | -21.2892% | 7,235 |
| Net charge-offs to loans | 0.8917% | 2,215 |
| Credit loss provision to net charge-offs | 165.6627% | 2,261 |
| Earnings coverage of net charge-offs (x) | -0.2289% | 6,193 |
| Efficiency ratio | 102.8358% | 658 |
| Assets per employee ($millions) | 2.2760% | 7,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 2,630 |
| Loan loss allowance to noncurrent loans | 55.3708% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 4.8268% | 1,361 |
| Noncurrent loans to loans | 3.3406% | 2,379 |
| Net loans and leases to total assets | 72.1065% | 2,231 |
| Net loans and leases to deposits | 76.5662% | 4,080 |
| Net loans and leases to core deposits | 78.2215% | 4,779 |
| Total domestic deposits to total assets | 94.1752% | 67 |
| Equity capital to assets | 5.4795% | 7,534 |
| Core capital (leverage) ratio | 5.3640% | 7,513 |
| Tier 1 risk-based capital ratio | 7.3771% | 7,527 |
| Total risk-based capital ratio | 8.6356% | 7,528 |
| Memoranda: | ||
| Average total assets | $32,279,750 | 7,219 |
| Average earning assets | $28,447,500 | 7,228 |
| Average equity | $1,954,000 | 7,606 |
| Average total loans | $24,822,250 | 6,768 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2963% | 519 |
| Cost of funding earning assets | 1.0784% | 5,793 |
| Net interest margin | 5.2179% | 274 |
| Noninterest income to average assets | 0.9871% | 1,415 |
| Noninterest expense to average assets | 5.0157% | 373 |
| Loan and lease loss provision to assets | 0.2468% | 4,463 |
| Net operating income to assets | 0.3517% | 4,965 |
| Return on assets (ROA) | 0.3578% | 5,096 |
| Pretax return on assets | 0.3578% | 5,350 |
| Return on Equity (ROE) | 5.7331% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.7331% | 2,477 |
| Net charge-offs to loans | 0.8461% | 2,135 |
| Credit loss provision to net charge-offs | 37.3832% | 5,645 |
| Earnings coverage of net charge-offs (x) | 0.9065% | 4,864 |
| Efficiency ratio | 89.3407% | 1,388 |
| Assets per employee ($millions) | 2.4652% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 6,167 |
| Loan loss allowance to noncurrent loans | 18.9110% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 7.1268% | 739 |
| Noncurrent loans to loans | 5.5708% | 1,182 |
| Net loans and leases to total assets | 75.3183% | 1,626 |
| Net loans and leases to deposits | 80.8021% | 3,465 |
| Net loans and leases to core deposits | 82.5485% | 4,339 |
| Total domestic deposits to total assets | 93.2133% | 103 |
| Equity capital to assets | 6.4372% | 7,474 |
| Core capital (leverage) ratio | 6.3376% | 7,422 |
| Tier 1 risk-based capital ratio | 8.7681% | 7,453 |
| Total risk-based capital ratio | 9.8610% | 7,484 |
| Memoranda: | ||
| Average total assets | $32,418,330 | 7,274 |
| Average earning assets | $28,747,000 | 7,269 |
| Average equity | $2,023,330 | 7,657 |
| Average total loans | $25,293,330 | 6,781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7698% | 1,558 |
| Cost of funding earning assets | 1.1043% | 5,887 |
| Net interest margin | 4.6655% | 839 |
| Noninterest income to average assets | 1.0674% | 1,116 |
| Noninterest expense to average assets | 4.9565% | 378 |
| Loan and lease loss provision to assets | 0.1840% | 4,668 |
| Net operating income to assets | 0.0736% | 6,101 |
| Return on assets (ROA) | 0.0859% | 6,164 |
| Pretax return on assets | 0.0859% | 6,172 |
| Return on Equity (ROE) | 1.3976% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.3976% | 5,243 |
| Net charge-offs to loans | 1.2897% | 1,327 |
| Credit loss provision to net charge-offs | 18.0723% | 4,967 |
| Earnings coverage of net charge-offs (x) | 0.2530% | 4,819 |
| Efficiency ratio | 95.0588% | 1,076 |
| Assets per employee ($millions) | 2.3351% | 7,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,459 |
| Loan loss allowance to noncurrent loans | 13.3023% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 8.7116% | 527 |
| Noncurrent loans to loans | 7.5281% | 758 |
| Net loans and leases to total assets | 77.7163% | 1,204 |
| Net loans and leases to deposits | 83.1055% | 3,090 |
| Net loans and leases to core deposits | 86.3743% | 3,841 |
| Total domestic deposits to total assets | 93.5152% | 89 |
| Equity capital to assets | 6.1391% | 7,602 |
| Core capital (leverage) ratio | 6.1776% | 7,551 |
| Tier 1 risk-based capital ratio | 8.6465% | 7,539 |
| Total risk-based capital ratio | 9.7515% | 7,578 |
| Memoranda: | ||
| Average total assets | $32,603,500 | 7,356 |
| Average earning assets | $28,978,500 | 7,354 |
| Average equity | $2,003,500 | 7,747 |
| Average total loans | $25,742,500 | 6,837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2304% | 1,163 |
| Cost of funding earning assets | 1.5345% | 5,360 |
| Net interest margin | 4.6959% | 842 |
| Noninterest income to average assets | 1.2532% | 962 |
| Noninterest expense to average assets | 5.2375% | 451 |
| Loan and lease loss provision to assets | 1.9463% | 1,127 |
| Net operating income to assets | -1.7469% | 6,987 |
| Return on assets (ROA) | -1.7469% | 6,993 |
| Pretax return on assets | -1.7469% | 6,836 |
| Return on Equity (ROE) | -25.8475% | 7,309 |
| Retained earnings to average equity (ytd only) | -27.3928% | 7,325 |
| Net charge-offs to loans | 2.2861% | 1,021 |
| Credit loss provision to net charge-offs | 99.8377% | 5,586 |
| Earnings coverage of net charge-offs (x) | 0.1023% | 6,055 |
| Efficiency ratio | 96.3329% | 1,300 |
| Assets per employee ($millions) | 2.3225% | 7,446 |
| Cash dividends to net income (ytd only)* | -5.9783% | 7,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,998 |
| Loan loss allowance to noncurrent loans | 20.7668% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 5.7635% | 996 |
| Noncurrent loans to loans | 6.0610% | 1,035 |
| Net loans and leases to total assets | 78.4130% | 1,301 |
| Net loans and leases to deposits | 84.3261% | 3,200 |
| Net loans and leases to core deposits | 98.9521% | 4,121 |
| Total domestic deposits to total assets | 92.9879% | 127 |
| Equity capital to assets | 6.1510% | 7,645 |
| Core capital (leverage) ratio | 6.3870% | 7,528 |
| Tier 1 risk-based capital ratio | 8.1749% | 7,626 |
| Total risk-based capital ratio | 9.4273% | 7,641 |
| Memoranda: | ||
| Average total assets | $31,598,800 | 7,419 |
| Average earning assets | $28,152,200 | 7,425 |
| Average equity | $2,135,600 | 7,818 |
| Average total loans | $26,945,800 | 6,806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3629% | 997 |
| Cost of funding earning assets | 1.6218% | 5,297 |
| Net interest margin | 4.7411% | 773 |
| Noninterest income to average assets | 1.2623% | 966 |
| Noninterest expense to average assets | 5.3383% | 397 |
| Loan and lease loss provision to assets | 2.2059% | 786 |
| Net operating income to assets | -2.0699% | 7,348 |
| Return on assets (ROA) | -2.0699% | 7,348 |
| Pretax return on assets | -2.0699% | 7,214 |
| Return on Equity (ROE) | -29.9295% | 7,605 |
| Retained earnings to average equity (ytd only) | -31.9576% | 7,631 |
| Net charge-offs to loans | 2.2379% | 857 |
| Credit loss provision to net charge-offs | 113.5667% | 4,475 |
| Earnings coverage of net charge-offs (x) | 0.0700% | 5,977 |
| Efficiency ratio | 97.5155% | 1,186 |
| Assets per employee ($millions) | 2.2406% | 7,568 |
| Cash dividends to net income (ytd only)* | -6.7763% | 7,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 3,496 |
| Loan loss allowance to noncurrent loans | 27.6550% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 5.4576% | 1,052 |
| Noncurrent loans to loans | 5.3879% | 1,173 |
| Net loans and leases to total assets | 81.7750% | 848 |
| Net loans and leases to deposits | 87.9306% | 2,972 |
| Net loans and leases to core deposits | 104.2807% | 3,904 |
| Total domestic deposits to total assets | 92.9995% | 88 |
| Equity capital to assets | 6.5957% | 7,741 |
| Core capital (leverage) ratio | 6.6316% | 7,615 |
| Tier 1 risk-based capital ratio | 8.9548% | 7,637 |
| Total risk-based capital ratio | 10.2099% | 7,656 |
| Memoranda: | ||
| Average total assets | $31,369,750 | 7,486 |
| Average earning assets | $27,869,000 | 7,502 |
| Average equity | $2,169,500 | 7,886 |
| Average total loans | $27,227,000 | 6,846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4256% | 952 |
| Cost of funding earning assets | 1.7053% | 5,242 |
| Net interest margin | 4.7203% | 774 |
| Noninterest income to average assets | 1.2305% | 1,020 |
| Noninterest expense to average assets | 5.4383% | 392 |
| Loan and lease loss provision to assets | 2.6905% | 572 |
| Net operating income to assets | -2.7160% | 7,613 |
| Return on assets (ROA) | -2.7160% | 7,603 |
| Pretax return on assets | -2.7160% | 7,478 |
| Return on Equity (ROE) | -38.6745% | 7,832 |
| Retained earnings to average equity (ytd only) | -41.6704% | 7,843 |
| Net charge-offs to loans | 3.1858% | 507 |
| Credit loss provision to net charge-offs | 95.9091% | 4,740 |
| Earnings coverage of net charge-offs (x) | -0.0091% | 5,698 |
| Efficiency ratio | 100.4711% | 1,153 |
| Assets per employee ($millions) | 2.1596% | 7,716 |
| Cash dividends to net income (ytd only)* | -7.7465% | 7,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 5,217 |
| Loan loss allowance to noncurrent loans | 19.7689% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 6.2543% | 758 |
| Noncurrent loans to loans | 5.8556% | 949 |
| Net loans and leases to total assets | 86.9820% | 300 |
| Net loans and leases to deposits | 94.0493% | 2,082 |
| Net loans and leases to core deposits | 111.6162% | 3,192 |
| Total domestic deposits to total assets | 92.4855% | 147 |
| Equity capital to assets | 7.0415% | 7,592 |
| Core capital (leverage) ratio | 6.8100% | 7,649 |
| Tier 1 risk-based capital ratio | 8.9968% | 7,698 |
| Total risk-based capital ratio | 10.2476% | 7,715 |
| Memoranda: | ||
| Average total assets | $31,370,000 | 7,551 |
| Average earning assets | $27,795,000 | 7,567 |
| Average equity | $2,203,000 | 7,961 |
| Average total loans | $27,622,670 | 6,871 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4437% | 966 |
| Cost of funding earning assets | 1.6994% | 5,601 |
| Net interest margin | 4.7443% | 696 |
| Noninterest income to average assets | 1.2650% | 891 |
| Noninterest expense to average assets | 5.2102% | 423 |
| Loan and lease loss provision to assets | 0.3382% | 3,297 |
| Net operating income to assets | -0.0877% | 6,395 |
| Return on assets (ROA) | -0.0877% | 6,509 |
| Pretax return on assets | -0.0877% | 6,466 |
| Return on Equity (ROE) | -1.2500% | 6,580 |
| Retained earnings to average equity (ytd only) | -1.2500% | 5,945 |
| Net charge-offs to loans | 0.0284% | 5,130 |
| Credit loss provision to net charge-offs | 1,350.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,989 |
| Efficiency ratio | 95.4128% | 1,351 |
| Assets per employee ($millions) | 2.3182% | 7,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 4,247 |
| Loan loss allowance to noncurrent loans | 23.0921% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 5.1240% | 871 |
| Noncurrent loans to loans | 5.5166% | 928 |
| Net loans and leases to total assets | 83.8145% | 715 |
| Net loans and leases to deposits | 93.9231% | 2,277 |
| Net loans and leases to core deposits | 112.1270% | 3,211 |
| Total domestic deposits to total assets | 89.2374% | 1,124 |
| Equity capital to assets | 6.8895% | 7,727 |
| Core capital (leverage) ratio | 7.1188% | 7,539 |
| Tier 1 risk-based capital ratio | 9.0695% | 7,750 |
| Total risk-based capital ratio | 10.3229% | 7,765 |
| Memoranda: | ||
| Average total assets | $31,937,500 | 7,571 |
| Average earning assets | $28,244,500 | 7,601 |
| Average equity | $2,240,000 | 7,996 |
| Average total loans | $28,130,500 | 6,874 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2578% | 649 |
| Cost of funding earning assets | 2.3329% | 4,995 |
| Net interest margin | 4.9249% | 606 |
| Noninterest income to average assets | 1.1626% | 1,145 |
| Noninterest expense to average assets | 5.0513% | 605 |
| Loan and lease loss provision to assets | 0.4996% | 2,816 |
| Net operating income to assets | 0.0648% | 6,195 |
| Return on assets (ROA) | 0.0648% | 6,051 |
| Pretax return on assets | 0.0648% | 6,018 |
| Return on Equity (ROE) | 0.9140% | 5,943 |
| Retained earnings to average equity (ytd only) | -3.2208% | 6,155 |
| Net charge-offs to loans | 0.3071% | 3,347 |
| Credit loss provision to net charge-offs | 184.0909% | 2,698 |
| Earnings coverage of net charge-offs (x) | 2.0795% | 5,038 |
| Efficiency ratio | 89.9506% | 1,518 |
| Assets per employee ($millions) | 2.2443% | 7,641 |
| Cash dividends to net income (ytd only)* | 452.3810% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,021 |
| Loan loss allowance to noncurrent loans | 25.1349% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 4.5831% | 812 |
| Noncurrent loans to loans | 4.5179% | 1,056 |
| Net loans and leases to total assets | 90.3310% | 173 |
| Net loans and leases to deposits | 104.3878% | 1,302 |
| Net loans and leases to core deposits | 123.7551% | 2,341 |
| Total domestic deposits to total assets | 86.5341% | 2,160 |
| Equity capital to assets | 7.1419% | 7,660 |
| Core capital (leverage) ratio | 6.9191% | 7,744 |
| Tier 1 risk-based capital ratio | 8.8938% | 7,847 |
| Total risk-based capital ratio | 10.1462% | 7,875 |
| Memoranda: | ||
| Average total assets | $32,427,400 | 7,540 |
| Average earning assets | $29,320,200 | 7,549 |
| Average equity | $2,297,600 | 8,052 |
| Average total loans | $28,651,800 | 6,786 |