Home > Rockland Savings Bank, FSB > Performance and Condition Ratios
Rockland Savings Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0330% | 15 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 53,561.0000% | 24 |
| Cost of funding earning assets | 62.0000% | 29 |
| Net interest margin | 4.0000% | 1,207 |
| Noninterest income to average assets | 0.0025% | 4,527 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | -0.2202% | 4,452 |
| Pretax return on assets | -0.2708% | 4,444 |
| Return on Equity (ROE) | -2.0900% | 4,420 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0034% | 2,645 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0734% | 2,822 |
| Efficiency ratio | 7.4509% | 4,556 |
| Assets per employee ($millions) | 0.0440% | 4,567 |
| Cash dividends to net income (ytd only)* | 1.0000% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0050% | 3,749 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 894.0000% | 34 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 86,844.0000% | 11 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $5,706,000 | 4,581 |
| Average earning assets | $2,164 | 4,587 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 2,709 |
| Cost of funding earning assets | 1.2329% | 2,324 |
| Net interest margin | 3.3543% | 2,560 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.5919% | 502 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | -0.1428% | 4,487 |
| Return on assets (ROA) | -0.1428% | 4,471 |
| Pretax return on assets | -0.1702% | 4,466 |
| Return on Equity (ROE) | -1.3300% | 4,437 |
| Retained earnings to average equity (ytd only) | -1.3324% | 4,276 |
| Net charge-offs to loans | -0.0018% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 103.9121% | 137 |
| Assets per employee ($millions) | 4.7327% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,101 |
| Loan loss allowance to noncurrent loans | 249.3333% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 2,008 |
| Noncurrent loans to loans | 0.2890% | 2,199 |
| Net loans and leases to total assets | 85.9500% | 158 |
| Net loans and leases to deposits | 96.6811% | 704 |
| Net loans and leases to core deposits | 110.0426% | 874 |
| Total domestic deposits to total assets | 88.9000% | 1,292 |
| Equity capital to assets | 10.4135% | 1,593 |
| Core capital (leverage) ratio | 10.0258% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,750,500 | 3,952 |
| Average earning assets | $83,273,000 | 3,909 |
| Average equity | $9,406,500 | 3,781 |
| Average total loans | $74,937,250 | 3,486 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 2,704 |
| Cost of funding earning assets | 1.0902% | 2,310 |
| Net interest margin | 3.3869% | 2,555 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 3.7115% | 433 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | -0.2114% | 4,536 |
| Return on assets (ROA) | -0.2114% | 4,520 |
| Pretax return on assets | -0.2574% | 4,522 |
| Return on Equity (ROE) | -1.9500% | 4,495 |
| Retained earnings to average equity (ytd only) | -1.9532% | 4,288 |
| Net charge-offs to loans | -0.0027% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 106.3900% | 116 |
| Assets per employee ($millions) | 4.3859% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 4,137 |
| Loan loss allowance to noncurrent loans | 237.2294% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 1,887 |
| Noncurrent loans to loans | 0.3066% | 2,044 |
| Net loans and leases to total assets | 85.2600% | 187 |
| Net loans and leases to deposits | 96.1012% | 726 |
| Net loans and leases to core deposits | 108.3919% | 891 |
| Total domestic deposits to total assets | 88.7200% | 1,342 |
| Equity capital to assets | 10.6775% | 1,518 |
| Core capital (leverage) ratio | 10.1481% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,026,667 | 3,977 |
| Average earning assets | $82,553,333 | 3,929 |
| Average equity | $9,420,667 | 3,805 |
| Average total loans | $73,968,000 | 3,505 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 2,738 |
| Cost of funding earning assets | 0.8328% | 2,590 |
| Net interest margin | 3.4918% | 2,389 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 3.7147% | 438 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | -0.0923% | 4,528 |
| Return on assets (ROA) | -0.0923% | 4,513 |
| Pretax return on assets | -0.1154% | 4,507 |
| Return on Equity (ROE) | -0.8500% | 4,480 |
| Retained earnings to average equity (ytd only) | -0.8467% | 4,111 |
| Net charge-offs to loans | 0.0055% | 1,767 |
| Credit loss provision to net charge-offs | -800.0000% | 4,647 |
| Earnings coverage of net charge-offs (x) | -33.0000% | 4,675 |
| Efficiency ratio | 104.2746% | 135 |
| Assets per employee ($millions) | 4.8452% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 4,196 |
| Loan loss allowance to noncurrent loans | 165.3374% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 1,380 |
| Noncurrent loans to loans | 0.4453% | 1,608 |
| Net loans and leases to total assets | 83.3200% | 280 |
| Net loans and leases to deposits | 93.9482% | 790 |
| Net loans and leases to core deposits | 103.8277% | 931 |
| Total domestic deposits to total assets | 88.6900% | 1,663 |
| Equity capital to assets | 10.8218% | 1,411 |
| Core capital (leverage) ratio | 10.4072% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,681,500 | 4,032 |
| Average earning assets | $82,136,000 | 3,990 |
| Average equity | $9,448,000 | 3,848 |
| Average total loans | $73,285,500 | 3,552 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0004% | 1,717 |
| Cost of funding earning assets | 0.3187% | 2,732 |
| Net interest margin | 3.6818% | 1,417 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 3.6537% | 430 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.1198% | 4,498 |
| Return on assets (ROA) | 0.1198% | 4,486 |
| Pretax return on assets | 0.1566% | 4,466 |
| Return on Equity (ROE) | 1.1100% | 4,476 |
| Retained earnings to average equity (ytd only) | 1.1073% | 4,175 |
| Net charge-offs to loans | -0.0123% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.0351% | 195 |
| Assets per employee ($millions) | 4.7859% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 4,139 |
| Loan loss allowance to noncurrent loans | 225.5144% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 1,740 |
| Noncurrent loans to loans | 0.3312% | 1,964 |
| Net loans and leases to total assets | 84.5300% | 222 |
| Net loans and leases to deposits | 95.5465% | 676 |
| Net loans and leases to core deposits | 104.5501% | 803 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 10.9790% | 1,263 |
| Core capital (leverage) ratio | 10.2619% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $86,844,400 | 4,051 |
| Average earning assets | $82,215,800 | 4,017 |
| Average equity | $9,392,400 | 3,947 |
| Average total loans | $73,388,200 | 3,516 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 1,492 |
| Cost of funding earning assets | 0.2751% | 2,430 |
| Net interest margin | 3.6203% | 1,350 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 3.5455% | 466 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.1808% | 4,490 |
| Return on assets (ROA) | 0.1808% | 4,459 |
| Pretax return on assets | 0.2329% | 4,433 |
| Return on Equity (ROE) | 1.6800% | 4,429 |
| Retained earnings to average equity (ytd only) | 1.6780% | 4,090 |
| Net charge-offs to loans | -0.0127% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.6034% | 221 |
| Assets per employee ($millions) | 4.9633% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 4,216 |
| Loan loss allowance to noncurrent loans | 140.8488% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 1,287 |
| Noncurrent loans to loans | 0.5144% | 1,511 |
| Net loans and leases to total assets | 81.4400% | 411 |
| Net loans and leases to deposits | 91.5668% | 788 |
| Net loans and leases to core deposits | 99.4859% | 837 |
| Total domestic deposits to total assets | 88.9400% | 2,120 |
| Equity capital to assets | 10.6023% | 1,331 |
| Core capital (leverage) ratio | 10.1921% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $87,019,000 | 4,077 |
| Average earning assets | $82,385,750 | 4,042 |
| Average equity | $9,376,000 | 3,993 |
| Average total loans | $73,394,250 | 3,530 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 1,213 |
| Cost of funding earning assets | 0.2402% | 2,394 |
| Net interest margin | 3.6062% | 1,055 |
| Noninterest income to average assets | 0.2991% | 3,369 |
| Noninterest expense to average assets | 3.6732% | 365 |
| Loan and lease loss provision to assets | 0.0696% | 1,369 |
| Net operating income to assets | -0.0301% | 4,584 |
| Return on assets (ROA) | -0.0301% | 4,554 |
| Pretax return on assets | -0.0325% | 4,548 |
| Return on Equity (ROE) | -0.2783% | 4,559 |
| Retained earnings to average equity (ytd only) | -0.2783% | 4,213 |
| Net charge-offs to loans | -0.0109% | 3,620 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0000% | 203 |
| Assets per employee ($millions) | 4.8483% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,191 |
| Loan loss allowance to noncurrent loans | 155.3763% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 1,153 |
| Noncurrent loans to loans | 0.5077% | 1,609 |
| Net loans and leases to total assets | 83.3035% | 217 |
| Net loans and leases to deposits | 96.2620% | 423 |
| Net loans and leases to core deposits | 102.6387% | 564 |
| Total domestic deposits to total assets | 86.5383% | 3,097 |
| Equity capital to assets | 10.7036% | 1,356 |
| Core capital (leverage) ratio | 10.3773% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,245,667 | 4,126 |
| Average earning assets | $81,582,000 | 4,102 |
| Average equity | $9,344,000 | 4,070 |
| Average total loans | $73,429,000 | 3,563 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 1,005 |
| Cost of funding earning assets | 0.2216% | 2,509 |
| Net interest margin | 3.6248% | 861 |
| Noninterest income to average assets | 0.2986% | 3,330 |
| Noninterest expense to average assets | 3.7605% | 328 |
| Loan and lease loss provision to assets | 0.0700% | 1,174 |
| Net operating income to assets | -0.0793% | 4,586 |
| Return on assets (ROA) | -0.0793% | 4,568 |
| Pretax return on assets | -0.0980% | 4,567 |
| Return on Equity (ROE) | -0.7276% | 4,575 |
| Retained earnings to average equity (ytd only) | -0.7276% | 4,113 |
| Net charge-offs to loans | -0.0163% | 3,805 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7500% | 233 |
| Assets per employee ($millions) | 4.2641% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 4,282 |
| Loan loss allowance to noncurrent loans | 127.7273% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 1,162 |
| Noncurrent loans to loans | 0.6079% | 1,541 |
| Net loans and leases to total assets | 84.2192% | 81 |
| Net loans and leases to deposits | 95.1059% | 309 |
| Net loans and leases to core deposits | 100.6883% | 490 |
| Total domestic deposits to total assets | 88.5531% | 2,275 |
| Equity capital to assets | 10.9485% | 1,350 |
| Core capital (leverage) ratio | 10.2725% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,733,500 | 4,152 |
| Average earning assets | $81,218,000 | 4,125 |
| Average equity | $9,345,500 | 4,126 |
| Average total loans | $73,505,000 | 3,562 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 1,468 |
| Cost of funding earning assets | 0.4183% | 1,407 |
| Net interest margin | 3.5389% | 1,630 |
| Noninterest income to average assets | 0.2374% | 3,955 |
| Noninterest expense to average assets | 3.6642% | 397 |
| Loan and lease loss provision to assets | -0.2979% | 4,776 |
| Net operating income to assets | 0.1678% | 4,567 |
| Return on assets (ROA) | 0.1678% | 4,579 |
| Pretax return on assets | 0.2226% | 4,555 |
| Return on Equity (ROE) | 1.5943% | 4,546 |
| Retained earnings to average equity (ytd only) | 1.5943% | 4,094 |
| Net charge-offs to loans | -0.0136% | 3,840 |
| Credit loss provision to net charge-offs | 2,610.0000% | 254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0992% | 130 |
| Assets per employee ($millions) | 4.1046% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 4,368 |
| Loan loss allowance to noncurrent loans | 118.2796% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 1,224 |
| Noncurrent loans to loans | 0.6231% | 1,592 |
| Net loans and leases to total assets | 85.9369% | 65 |
| Net loans and leases to deposits | 97.0864% | 278 |
| Net loans and leases to core deposits | 102.7307% | 444 |
| Total domestic deposits to total assets | 88.5158% | 1,783 |
| Equity capital to assets | 10.8484% | 1,904 |
| Core capital (leverage) ratio | 10.3640% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,604,400 | 4,124 |
| Average earning assets | $82,964,200 | 4,092 |
| Average equity | $9,220,400 | 4,223 |
| Average total loans | $73,360,000 | 3,595 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 1,640 |
| Cost of funding earning assets | 0.4673% | 1,233 |
| Net interest margin | 3.4825% | 1,918 |
| Noninterest income to average assets | 0.2183% | 4,092 |
| Noninterest expense to average assets | 3.5486% | 434 |
| Loan and lease loss provision to assets | -0.0830% | 4,563 |
| Net operating income to assets | 0.0394% | 4,724 |
| Return on assets (ROA) | 0.0394% | 4,738 |
| Pretax return on assets | 0.0515% | 4,737 |
| Return on Equity (ROE) | 0.3773% | 4,732 |
| Retained earnings to average equity (ytd only) | 0.3773% | 4,509 |
| Net charge-offs to loans | -0.0237% | 4,040 |
| Credit loss provision to net charge-offs | 423.0769% | 834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9052% | 149 |
| Assets per employee ($millions) | 3.9466% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,795 |
| Loan loss allowance to noncurrent loans | 138.7569% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 1,207 |
| Noncurrent loans to loans | 0.7308% | 1,533 |
| Net loans and leases to total assets | 85.3350% | 79 |
| Net loans and leases to deposits | 96.0152% | 350 |
| Net loans and leases to core deposits | 101.8265% | 529 |
| Total domestic deposits to total assets | 88.8766% | 1,356 |
| Equity capital to assets | 10.6328% | 2,335 |
| Core capital (leverage) ratio | 9.9163% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,956,250 | 4,168 |
| Average earning assets | $83,310,000 | 4,142 |
| Average equity | $9,187,750 | 4,282 |
| Average total loans | $73,043,750 | 3,649 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 1,730 |
| Cost of funding earning assets | 0.5234% | 1,073 |
| Net interest margin | 3.4104% | 2,109 |
| Noninterest income to average assets | 0.1766% | 4,320 |
| Noninterest expense to average assets | 3.4845% | 475 |
| Loan and lease loss provision to assets | 0.0385% | 2,224 |
| Net operating income to assets | -0.0906% | 4,801 |
| Return on assets (ROA) | -0.0906% | 4,807 |
| Pretax return on assets | -0.1155% | 4,806 |
| Return on Equity (ROE) | -0.8721% | 4,817 |
| Retained earnings to average equity (ytd only) | -0.8721% | 4,595 |
| Net charge-offs to loans | -0.0276% | 4,129 |
| Credit loss provision to net charge-offs | -170.0000% | 3,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2591% | 148 |
| Assets per employee ($millions) | 3.9457% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,335 |
| Loan loss allowance to noncurrent loans | 147.0693% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 1,284 |
| Noncurrent loans to loans | 0.7605% | 1,583 |
| Net loans and leases to total assets | 84.3269% | 124 |
| Net loans and leases to deposits | 94.7597% | 430 |
| Net loans and leases to core deposits | 102.6303% | 576 |
| Total domestic deposits to total assets | 88.9903% | 1,288 |
| Equity capital to assets | 10.5593% | 2,345 |
| Core capital (leverage) ratio | 9.8552% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,333,000 | 4,193 |
| Average earning assets | $83,684,333 | 4,161 |
| Average equity | $9,173,000 | 4,304 |
| Average total loans | $72,441,000 | 3,680 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 1,890 |
| Cost of funding earning assets | 0.5537% | 1,077 |
| Net interest margin | 3.3224% | 2,323 |
| Noninterest income to average assets | 0.0224% | 4,902 |
| Noninterest expense to average assets | 3.4434% | 503 |
| Loan and lease loss provision to assets | 0.0629% | 1,881 |
| Net operating income to assets | -0.2604% | 4,854 |
| Return on assets (ROA) | -0.2604% | 4,859 |
| Pretax return on assets | -0.3322% | 4,865 |
| Return on Equity (ROE) | -2.5282% | 4,868 |
| Retained earnings to average equity (ytd only) | -2.5282% | 4,571 |
| Net charge-offs to loans | -0.0391% | 4,298 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4866% | 119 |
| Assets per employee ($millions) | 4.2930% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,274 |
| Loan loss allowance to noncurrent loans | 146.0036% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 1,524 |
| Noncurrent loans to loans | 0.7768% | 1,688 |
| Net loans and leases to total assets | 79.4846% | 363 |
| Net loans and leases to deposits | 88.8493% | 777 |
| Net loans and leases to core deposits | 95.8789% | 890 |
| Total domestic deposits to total assets | 89.4600% | 1,089 |
| Equity capital to assets | 10.1462% | 2,555 |
| Core capital (leverage) ratio | 9.7070% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,097,000 | 4,199 |
| Average earning assets | $84,518,000 | 4,160 |
| Average equity | $9,176,500 | 4,313 |
| Average total loans | $71,647,500 | 3,704 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 2,279 |
| Cost of funding earning assets | 1.0741% | 447 |
| Net interest margin | 3.0757% | 3,688 |
| Noninterest income to average assets | 0.2889% | 3,755 |
| Noninterest expense to average assets | 3.5039% | 687 |
| Loan and lease loss provision to assets | 0.0848% | 3,313 |
| Net operating income to assets | -0.3130% | 4,841 |
| Return on assets (ROA) | -0.3130% | 4,858 |
| Pretax return on assets | -0.3910% | 4,863 |
| Return on Equity (ROE) | -2.9143% | 4,864 |
| Retained earnings to average equity (ytd only) | -2.9143% | 4,760 |
| Net charge-offs to loans | 0.0958% | 1,507 |
| Credit loss provision to net charge-offs | 113.8462% | 2,693 |
| Earnings coverage of net charge-offs (x) | -4.1077% | 3,375 |
| Efficiency ratio | 109.5733% | 123 |
| Assets per employee ($millions) | 3.8279% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,301 |
| Loan loss allowance to noncurrent loans | 124.5723% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 1,418 |
| Noncurrent loans to loans | 0.9080% | 1,554 |
| Net loans and leases to total assets | 79.5245% | 457 |
| Net loans and leases to deposits | 89.2104% | 989 |
| Net loans and leases to core deposits | 97.4732% | 1,036 |
| Total domestic deposits to total assets | 89.1427% | 924 |
| Equity capital to assets | 10.4564% | 2,709 |
| Core capital (leverage) ratio | 9.4612% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,216,400 | 4,154 |
| Average earning assets | $82,485,000 | 4,125 |
| Average equity | $9,367,600 | 4,267 |
| Average total loans | $67,860,600 | 3,776 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,401 |
| Cost of funding earning assets | 1.1693% | 415 |
| Net interest margin | 3.0311% | 3,903 |
| Noninterest income to average assets | 0.2850% | 3,779 |
| Noninterest expense to average assets | 3.4080% | 792 |
| Loan and lease loss provision to assets | 0.0690% | 3,466 |
| Net operating income to assets | -0.2651% | 4,850 |
| Return on assets (ROA) | -0.2651% | 4,858 |
| Pretax return on assets | -0.3279% | 4,864 |
| Return on Equity (ROE) | -2.4518% | 4,870 |
| Retained earnings to average equity (ytd only) | -2.4518% | 4,739 |
| Net charge-offs to loans | 0.1331% | 1,082 |
| Credit loss provision to net charge-offs | 67.1642% | 2,825 |
| Earnings coverage of net charge-offs (x) | -2.5224% | 3,174 |
| Efficiency ratio | 108.2238% | 118 |
| Assets per employee ($millions) | 4.5175% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,048 |
| Loan loss allowance to noncurrent loans | 128.5476% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 1,743 |
| Noncurrent loans to loans | 0.8777% | 1,702 |
| Net loans and leases to total assets | 74.6870% | 1,289 |
| Net loans and leases to deposits | 89.2001% | 1,348 |
| Net loans and leases to core deposits | 96.7288% | 1,400 |
| Total domestic deposits to total assets | 83.7298% | 2,913 |
| Equity capital to assets | 10.3001% | 2,963 |
| Core capital (leverage) ratio | 9.9781% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,010,000 | 4,160 |
| Average earning assets | $82,211,000 | 4,130 |
| Average equity | $9,408,000 | 4,279 |
| Average total loans | $67,121,750 | 3,806 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,450 |
| Cost of funding earning assets | 1.2523% | 431 |
| Net interest margin | 3.0568% | 3,995 |
| Noninterest income to average assets | 0.2794% | 3,798 |
| Noninterest expense to average assets | 3.4646% | 779 |
| Loan and lease loss provision to assets | 0.0722% | 3,400 |
| Net operating income to assets | -0.2980% | 4,876 |
| Return on assets (ROA) | -0.2980% | 4,877 |
| Pretax return on assets | -0.3702% | 4,875 |
| Return on Equity (ROE) | -2.7113% | 4,888 |
| Retained earnings to average equity (ytd only) | -2.7113% | 4,635 |
| Net charge-offs to loans | 0.2127% | 731 |
| Credit loss provision to net charge-offs | 43.6620% | 2,654 |
| Earnings coverage of net charge-offs (x) | -1.8028% | 2,957 |
| Efficiency ratio | 109.4118% | 118 |
| Assets per employee ($millions) | 4.1805% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 2,965 |
| Loan loss allowance to noncurrent loans | 162.7706% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,254 |
| Noncurrent loans to loans | 0.6854% | 2,158 |
| Net loans and leases to total assets | 75.9232% | 1,150 |
| Net loans and leases to deposits | 91.0983% | 1,254 |
| Net loans and leases to core deposits | 100.6828% | 1,209 |
| Total domestic deposits to total assets | 83.3421% | 2,976 |
| Equity capital to assets | 10.6516% | 2,620 |
| Core capital (leverage) ratio | 10.3190% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,897,000 | 4,179 |
| Average earning assets | $81,131,000 | 4,151 |
| Average equity | $9,442,000 | 4,289 |
| Average total loans | $66,746,000 | 3,822 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 2,152 |
| Cost of funding earning assets | 1.3088% | 552 |
| Net interest margin | 3.2420% | 3,745 |
| Noninterest income to average assets | 0.2543% | 4,024 |
| Noninterest expense to average assets | 3.5786% | 837 |
| Loan and lease loss provision to assets | -0.3673% | 5,094 |
| Net operating income to assets | 0.0800% | 4,680 |
| Return on assets (ROA) | 0.0800% | 4,671 |
| Pretax return on assets | 0.0989% | 4,661 |
| Return on Equity (ROE) | 0.7167% | 4,666 |
| Retained earnings to average equity (ytd only) | 0.7167% | 3,816 |
| Net charge-offs to loans | -0.0241% | 4,399 |
| Credit loss provision to net charge-offs | 1,950.0000% | 350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1081% | 154 |
| Assets per employee ($millions) | 3.9526% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,330 |
| Loan loss allowance to noncurrent loans | 147.7366% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 2,249 |
| Noncurrent loans to loans | 0.7284% | 2,177 |
| Net loans and leases to total assets | 79.5217% | 756 |
| Net loans and leases to deposits | 96.6711% | 843 |
| Net loans and leases to core deposits | 105.4812% | 1,089 |
| Total domestic deposits to total assets | 82.2601% | 3,341 |
| Equity capital to assets | 11.4403% | 2,496 |
| Core capital (leverage) ratio | 10.5318% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,950,500 | 4,197 |
| Average earning assets | $80,074,000 | 4,167 |
| Average equity | $9,487,500 | 4,295 |
| Average total loans | $66,416,500 | 3,830 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 1,687 |
| Cost of funding earning assets | 1.1759% | 1,082 |
| Net interest margin | 3.7473% | 2,667 |
| Noninterest income to average assets | 0.3556% | 3,573 |
| Noninterest expense to average assets | 3.6229% | 834 |
| Loan and lease loss provision to assets | -0.2601% | 5,139 |
| Net operating income to assets | 0.3858% | 4,619 |
| Return on assets (ROA) | 0.3858% | 4,648 |
| Pretax return on assets | 0.5089% | 4,561 |
| Return on Equity (ROE) | 3.2676% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.2676% | 3,378 |
| Net charge-offs to loans | -0.0046% | 4,331 |
| Credit loss provision to net charge-offs | 6,900.0000% | 65 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5735% | 255 |
| Assets per employee ($millions) | 3.7803% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,450 |
| Loan loss allowance to noncurrent loans | 954.2169% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,146 |
| Noncurrent loans to loans | 0.1255% | 4,025 |
| Net loans and leases to total assets | 75.1788% | 1,554 |
| Net loans and leases to deposits | 90.7772% | 1,508 |
| Net loans and leases to core deposits | 103.7556% | 1,248 |
| Total domestic deposits to total assets | 82.8169% | 3,262 |
| Equity capital to assets | 10.9597% | 3,045 |
| Core capital (leverage) ratio | 11.4969% | 2,113 |
| Tier 1 risk-based capital ratio | 16.6368% | 2,172 |
| Total risk-based capital ratio | 17.8893% | 2,106 |
| Memoranda: | ||
| Average total assets | $79,577,200 | 4,293 |
| Average earning assets | $74,666,600 | 4,277 |
| Average equity | $9,395,400 | 4,321 |
| Average total loans | $65,538,000 | 3,869 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 1,578 |
| Cost of funding earning assets | 1.1065% | 1,326 |
| Net interest margin | 3.8793% | 2,331 |
| Noninterest income to average assets | 0.3773% | 3,456 |
| Noninterest expense to average assets | 3.6739% | 773 |
| Loan and lease loss provision to assets | -0.2521% | 5,218 |
| Net operating income to assets | 0.4682% | 4,587 |
| Return on assets (ROA) | 0.4682% | 4,624 |
| Pretax return on assets | 0.5935% | 4,553 |
| Return on Equity (ROE) | 3.8880% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.8880% | 3,459 |
| Net charge-offs to loans | -0.0061% | 4,255 |
| Credit loss provision to net charge-offs | 4,900.0000% | 82 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4994% | 283 |
| Assets per employee ($millions) | 3.7924% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 1,994 |
| Loan loss allowance to noncurrent loans | 336.7589% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,336 |
| Noncurrent loans to loans | 0.3841% | 3,175 |
| Net loans and leases to total assets | 77.9188% | 1,154 |
| Net loans and leases to deposits | 94.8511% | 1,142 |
| Net loans and leases to core deposits | 107.3587% | 1,094 |
| Total domestic deposits to total assets | 82.1486% | 3,433 |
| Equity capital to assets | 11.3792% | 2,762 |
| Core capital (leverage) ratio | 11.7779% | 2,017 |
| Tier 1 risk-based capital ratio | 16.5210% | 2,264 |
| Total risk-based capital ratio | 17.7755% | 2,192 |
| Memoranda: | ||
| Average total assets | $77,735,000 | 4,379 |
| Average earning assets | $72,898,000 | 4,358 |
| Average equity | $9,362,000 | 4,373 |
| Average total loans | $65,383,250 | 3,922 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 1,342 |
| Cost of funding earning assets | 1.0534% | 1,485 |
| Net interest margin | 4.0002% | 1,920 |
| Noninterest income to average assets | 0.3745% | 3,438 |
| Noninterest expense to average assets | 3.7845% | 673 |
| Loan and lease loss provision to assets | -0.2321% | 5,260 |
| Net operating income to assets | 0.4562% | 4,621 |
| Return on assets (ROA) | 0.4562% | 4,652 |
| Pretax return on assets | 0.5776% | 4,584 |
| Return on Equity (ROE) | 3.7132% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.7132% | 3,403 |
| Net charge-offs to loans | -0.0092% | 4,300 |
| Credit loss provision to net charge-offs | 2,933.3333% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6347% | 290 |
| Assets per employee ($millions) | 3.5160% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,678 |
| Loan loss allowance to noncurrent loans | 1,124.6914% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 4,233 |
| Noncurrent loans to loans | 0.1231% | 4,127 |
| Net loans and leases to total assets | 83.9153% | 364 |
| Net loans and leases to deposits | 103.5742% | 440 |
| Net loans and leases to core deposits | 119.8217% | 555 |
| Total domestic deposits to total assets | 81.0195% | 3,805 |
| Equity capital to assets | 12.1443% | 2,084 |
| Core capital (leverage) ratio | 11.8642% | 1,906 |
| Tier 1 risk-based capital ratio | 17.0160% | 2,083 |
| Total risk-based capital ratio | 18.2723% | 2,026 |
| Memoranda: | ||
| Average total assets | $75,835,670 | 4,442 |
| Average earning assets | $71,196,330 | 4,420 |
| Average equity | $9,318,000 | 4,393 |
| Average total loans | $65,223,670 | 3,946 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 1,185 |
| Cost of funding earning assets | 0.9764% | 1,671 |
| Net interest margin | 4.0873% | 1,584 |
| Noninterest income to average assets | 0.3730% | 3,364 |
| Noninterest expense to average assets | 3.8680% | 615 |
| Loan and lease loss provision to assets | -0.4582% | 5,342 |
| Net operating income to assets | 0.6287% | 4,149 |
| Return on assets (ROA) | 0.6287% | 4,191 |
| Pretax return on assets | 0.7992% | 4,047 |
| Return on Equity (ROE) | 5.0862% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.0862% | 2,873 |
| Net charge-offs to loans | -0.0062% | 4,077 |
| Credit loss provision to net charge-offs | 8,600.0000% | 32 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8987% | 332 |
| Assets per employee ($millions) | 3.3805% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,651 |
| Loan loss allowance to noncurrent loans | 30,333.3333% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,867 |
| Noncurrent loans to loans | 0.0046% | 4,786 |
| Net loans and leases to total assets | 85.6933% | 212 |
| Net loans and leases to deposits | 106.6467% | 303 |
| Net loans and leases to core deposits | 115.6978% | 656 |
| Total domestic deposits to total assets | 80.3526% | 4,104 |
| Equity capital to assets | 12.5573% | 1,699 |
| Core capital (leverage) ratio | 11.8879% | 1,840 |
| Tier 1 risk-based capital ratio | 16.4475% | 2,289 |
| Total risk-based capital ratio | 17.7038% | 2,232 |
| Memoranda: | ||
| Average total assets | $75,077,000 | 4,500 |
| Average earning assets | $70,462,000 | 4,480 |
| Average equity | $9,280,000 | 4,428 |
| Average total loans | $64,924,500 | 3,991 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 1,419 |
| Cost of funding earning assets | 0.8736% | 1,196 |
| Net interest margin | 3.9782% | 2,066 |
| Noninterest income to average assets | 0.3757% | 3,579 |
| Noninterest expense to average assets | 4.0114% | 523 |
| Loan and lease loss provision to assets | -0.0579% | 5,216 |
| Net operating income to assets | 0.0848% | 5,193 |
| Return on assets (ROA) | 0.0848% | 5,184 |
| Pretax return on assets | 0.1320% | 5,158 |
| Return on Equity (ROE) | 0.6868% | 5,188 |
| Retained earnings to average equity (ytd only) | 0.6868% | 4,810 |
| Net charge-offs to loans | 0.1862% | 1,028 |
| Credit loss provision to net charge-offs | -36.1345% | 4,312 |
| Earnings coverage of net charge-offs (x) | 0.4622% | 3,695 |
| Efficiency ratio | 98.1872% | 170 |
| Assets per employee ($millions) | 3.4450% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,208 |
| Loan loss allowance to noncurrent loans | 33,200.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,911 |
| Noncurrent loans to loans | 0.0046% | 4,803 |
| Net loans and leases to total assets | 84.7225% | 346 |
| Net loans and leases to deposits | 104.9644% | 424 |
| Net loans and leases to core deposits | 113.1130% | 826 |
| Total domestic deposits to total assets | 80.7154% | 3,950 |
| Equity capital to assets | 12.1769% | 1,774 |
| Core capital (leverage) ratio | 11.8096% | 1,866 |
| Tier 1 risk-based capital ratio | 13.6006% | 3,495 |
| Total risk-based capital ratio | 14.8546% | 3,400 |
| Memoranda: | ||
| Average total assets | $74,263,600 | 4,523 |
| Average earning assets | $69,252,400 | 4,510 |
| Average equity | $9,172,600 | 4,441 |
| Average total loans | $63,919,200 | 4,003 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 1,432 |
| Cost of funding earning assets | 0.8725% | 1,027 |
| Net interest margin | 3.9264% | 2,210 |
| Noninterest income to average assets | 0.4133% | 3,403 |
| Noninterest expense to average assets | 4.1037% | 456 |
| Loan and lease loss provision to assets | -0.0776% | 5,329 |
| Net operating income to assets | 0.0325% | 5,284 |
| Return on assets (ROA) | 0.0325% | 5,282 |
| Pretax return on assets | 0.0415% | 5,278 |
| Return on Equity (ROE) | 0.2621% | 5,283 |
| Retained earnings to average equity (ytd only) | 0.2621% | 4,991 |
| Net charge-offs to loans | 0.2495% | 680 |
| Credit loss provision to net charge-offs | -36.1345% | 4,141 |
| Earnings coverage of net charge-offs (x) | -0.1681% | 3,424 |
| Efficiency ratio | 100.8873% | 143 |
| Assets per employee ($millions) | 3.5142% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 1,208 |
| Loan loss allowance to noncurrent loans | 1,293.5065% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 4,303 |
| Noncurrent loans to loans | 0.1194% | 4,361 |
| Net loans and leases to total assets | 86.0389% | 260 |
| Net loans and leases to deposits | 103.7314% | 565 |
| Net loans and leases to core deposits | 111.7437% | 924 |
| Total domestic deposits to total assets | 82.9440% | 3,324 |
| Equity capital to assets | 12.4434% | 1,626 |
| Core capital (leverage) ratio | 11.7573% | 1,953 |
| Tier 1 risk-based capital ratio | 16.1980% | 2,376 |
| Total risk-based capital ratio | 17.4565% | 2,319 |
| Memoranda: | ||
| Average total assets | $73,881,750 | 4,578 |
| Average earning assets | $68,764,000 | 4,563 |
| Average equity | $9,158,500 | 4,484 |
| Average total loans | $63,597,000 | 4,053 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 1,498 |
| Cost of funding earning assets | 0.8611% | 869 |
| Net interest margin | 3.8431% | 2,406 |
| Noninterest income to average assets | 0.4519% | 3,137 |
| Noninterest expense to average assets | 4.1700% | 428 |
| Loan and lease loss provision to assets | -0.1164% | 5,436 |
| Net operating income to assets | -0.0216% | 5,352 |
| Return on assets (ROA) | -0.0216% | 5,344 |
| Pretax return on assets | -0.0271% | 5,345 |
| Return on Equity (ROE) | -0.1749% | 5,347 |
| Retained earnings to average equity (ytd only) | -0.1749% | 4,984 |
| Net charge-offs to loans | 0.3728% | 425 |
| Credit loss provision to net charge-offs | -36.4407% | 3,990 |
| Earnings coverage of net charge-offs (x) | -0.4492% | 3,149 |
| Efficiency ratio | 103.5618% | 133 |
| Assets per employee ($millions) | 3.1790% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,890 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 85.9251% | 274 |
| Net loans and leases to deposits | 103.6562% | 545 |
| Net loans and leases to core deposits | 111.2163% | 923 |
| Total domestic deposits to total assets | 82.8943% | 3,437 |
| Equity capital to assets | 12.5239% | 1,522 |
| Core capital (leverage) ratio | 11.7622% | 1,863 |
| Tier 1 risk-based capital ratio | 16.4621% | 2,268 |
| Total risk-based capital ratio | 17.7208% | 2,212 |
| Memoranda: | ||
| Average total assets | $73,909,670 | 4,626 |
| Average earning assets | $68,747,330 | 4,610 |
| Average equity | $9,150,330 | 4,521 |
| Average total loans | $63,299,000 | 4,091 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,407 |
| Cost of funding earning assets | 0.8510% | 763 |
| Net interest margin | 3.8092% | 2,389 |
| Noninterest income to average assets | 0.3070% | 4,108 |
| Noninterest expense to average assets | 4.3730% | 329 |
| Loan and lease loss provision to assets | 0.1562% | 1,158 |
| Net operating income to assets | -0.5385% | 5,498 |
| Return on assets (ROA) | -0.5385% | 5,497 |
| Pretax return on assets | -0.6786% | 5,511 |
| Return on Equity (ROE) | -4.3881% | 5,492 |
| Retained earnings to average equity (ytd only) | -4.3881% | 5,171 |
| Net charge-offs to loans | 0.7805% | 184 |
| Credit loss provision to net charge-offs | 23.5772% | 2,102 |
| Earnings coverage of net charge-offs (x) | -0.7886% | 2,670 |
| Efficiency ratio | 113.5664% | 85 |
| Assets per employee ($millions) | 3.4093% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 984 |
| Loan loss allowance to noncurrent loans | 1,420.0000% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 1,689 |
| Noncurrent loans to loans | 0.1186% | 4,432 |
| Net loans and leases to total assets | 82.8729% | 552 |
| Net loans and leases to deposits | 99.2622% | 766 |
| Net loans and leases to core deposits | 106.7548% | 1,189 |
| Total domestic deposits to total assets | 83.4889% | 3,506 |
| Equity capital to assets | 12.0874% | 1,722 |
| Core capital (leverage) ratio | 12.4205% | 1,426 |
| Tier 1 risk-based capital ratio | 17.2623% | 2,045 |
| Total risk-based capital ratio | 18.5216% | 1,994 |
| Memoranda: | ||
| Average total assets | $74,274,500 | 4,670 |
| Average earning assets | $69,096,000 | 4,659 |
| Average equity | $9,115,500 | 4,571 |
| Average total loans | $63,037,500 | 4,128 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 1,682 |
| Cost of funding earning assets | 0.7123% | 963 |
| Net interest margin | 3.7954% | 2,440 |
| Noninterest income to average assets | 0.1447% | 5,223 |
| Noninterest expense to average assets | 4.0769% | 481 |
| Loan and lease loss provision to assets | 0.4824% | 276 |
| Net operating income to assets | -1.1950% | 5,612 |
| Return on assets (ROA) | -1.1950% | 5,610 |
| Pretax return on assets | -0.9041% | 5,588 |
| Return on Equity (ROE) | -8.8433% | 5,584 |
| Retained earnings to average equity (ytd only) | -8.8433% | 5,514 |
| Net charge-offs to loans | 0.1720% | 1,435 |
| Credit loss provision to net charge-offs | 336.5385% | 858 |
| Earnings coverage of net charge-offs (x) | -2.9423% | 4,061 |
| Efficiency ratio | 111.5385% | 96 |
| Assets per employee ($millions) | 2.9413% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 716 |
| Loan loss allowance to noncurrent loans | 106.4279% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 835 |
| Noncurrent loans to loans | 1.7326% | 933 |
| Net loans and leases to total assets | 83.8984% | 460 |
| Net loans and leases to deposits | 101.0367% | 659 |
| Net loans and leases to core deposits | 108.8348% | 1,072 |
| Total domestic deposits to total assets | 83.0375% | 3,553 |
| Equity capital to assets | 12.4638% | 1,540 |
| Core capital (leverage) ratio | 12.0485% | 1,578 |
| Tier 1 risk-based capital ratio | 16.8149% | 2,155 |
| Total risk-based capital ratio | 18.0810% | 2,101 |
| Memoranda: | ||
| Average total assets | $72,555,000 | 4,734 |
| Average earning assets | $67,107,000 | 4,721 |
| Average equity | $9,804,000 | 4,485 |
| Average total loans | $60,464,400 | 4,193 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 1,665 |
| Cost of funding earning assets | 0.6976% | 972 |
| Net interest margin | 3.7957% | 2,419 |
| Noninterest income to average assets | 0.2655% | 4,611 |
| Noninterest expense to average assets | 4.0251% | 501 |
| Loan and lease loss provision to assets | 0.1586% | 1,300 |
| Net operating income to assets | -0.2692% | 5,598 |
| Return on assets (ROA) | -0.2692% | 5,598 |
| Pretax return on assets | -0.4167% | 5,613 |
| Return on Equity (ROE) | -1.9537% | 5,586 |
| Retained earnings to average equity (ytd only) | -1.9537% | 5,426 |
| Net charge-offs to loans | 0.2539% | 856 |
| Credit loss provision to net charge-offs | 75.4386% | 2,640 |
| Earnings coverage of net charge-offs (x) | -1.2280% | 3,721 |
| Efficiency ratio | 106.8527% | 114 |
| Assets per employee ($millions) | 3.2465% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,507 |
| Loan loss allowance to noncurrent loans | 74.7253% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.2150% | 543 |
| Noncurrent loans to loans | 2.0177% | 845 |
| Net loans and leases to total assets | 80.8521% | 865 |
| Net loans and leases to deposits | 94.3147% | 1,266 |
| Net loans and leases to core deposits | 102.0319% | 1,543 |
| Total domestic deposits to total assets | 85.7259% | 2,420 |
| Equity capital to assets | 13.8443% | 1,037 |
| Core capital (leverage) ratio | 12.7179% | 1,325 |
| Tier 1 risk-based capital ratio | 18.4342% | 1,749 |
| Total risk-based capital ratio | 19.6974% | 1,699 |
| Memoranda: | ||
| Average total assets | $72,310,500 | 4,785 |
| Average earning assets | $66,706,250 | 4,780 |
| Average equity | $9,963,750 | 4,497 |
| Average total loans | $59,867,500 | 4,245 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4824% | 1,567 |
| Cost of funding earning assets | 0.6898% | 941 |
| Net interest margin | 3.7926% | 2,312 |
| Noninterest income to average assets | 0.2505% | 4,741 |
| Noninterest expense to average assets | 3.9171% | 587 |
| Loan and lease loss provision to assets | 0.1569% | 1,276 |
| Net operating income to assets | -0.2147% | 5,624 |
| Return on assets (ROA) | -0.2147% | 5,623 |
| Pretax return on assets | -0.3276% | 5,638 |
| Return on Equity (ROE) | -1.5552% | 5,611 |
| Retained earnings to average equity (ytd only) | -1.5552% | 5,300 |
| Net charge-offs to loans | 0.2057% | 986 |
| Credit loss provision to net charge-offs | 91.9355% | 2,120 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,432 |
| Efficiency ratio | 104.5555% | 145 |
| Assets per employee ($millions) | 3.4904% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,541 |
| Loan loss allowance to noncurrent loans | 391.3793% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 1,862 |
| Noncurrent loans to loans | 0.3860% | 3,643 |
| Net loans and leases to total assets | 84.8083% | 359 |
| Net loans and leases to deposits | 99.9797% | 738 |
| Net loans and leases to core deposits | 108.0366% | 1,106 |
| Total domestic deposits to total assets | 84.8255% | 2,878 |
| Equity capital to assets | 14.3221% | 875 |
| Core capital (leverage) ratio | 12.8009% | 1,256 |
| Tier 1 risk-based capital ratio | 18.8100% | 1,637 |
| Total risk-based capital ratio | 20.0738% | 1,591 |
| Memoranda: | ||
| Average total assets | $72,656,670 | 4,807 |
| Average earning assets | $66,973,000 | 4,803 |
| Average equity | $10,030,670 | 4,504 |
| Average total loans | $60,280,000 | 4,257 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 1,637 |
| Cost of funding earning assets | 0.6834% | 913 |
| Net interest margin | 3.7208% | 2,415 |
| Noninterest income to average assets | 0.1620% | 5,308 |
| Noninterest expense to average assets | 3.8876% | 609 |
| Loan and lease loss provision to assets | 0.1566% | 1,158 |
| Net operating income to assets | -0.3024% | 5,699 |
| Return on assets (ROA) | -0.3024% | 5,699 |
| Pretax return on assets | -0.4428% | 5,717 |
| Return on Equity (ROE) | -2.2295% | 5,688 |
| Retained earnings to average equity (ytd only) | -2.2295% | 5,190 |
| Net charge-offs to loans | 0.4042% | 455 |
| Credit loss provision to net charge-offs | 47.5410% | 2,010 |
| Earnings coverage of net charge-offs (x) | -0.8689% | 2,875 |
| Efficiency ratio | 107.9460% | 147 |
| Assets per employee ($millions) | 3.3347% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,815 |
| Loan loss allowance to noncurrent loans | 268.2927% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 1,994 |
| Noncurrent loans to loans | 0.5454% | 3,183 |
| Net loans and leases to total assets | 80.7685% | 729 |
| Net loans and leases to deposits | 94.0257% | 1,103 |
| Net loans and leases to core deposits | 99.5882% | 1,534 |
| Total domestic deposits to total assets | 85.9004% | 2,715 |
| Equity capital to assets | 13.6566% | 1,016 |
| Core capital (leverage) ratio | 12.3683% | 1,413 |
| Tier 1 risk-based capital ratio | 19.1622% | 1,574 |
| Total risk-based capital ratio | 20.4274% | 1,534 |
| Memoranda: | ||
| Average total assets | $74,081,000 | 4,827 |
| Average earning assets | $68,480,000 | 4,819 |
| Average equity | $10,047,000 | 4,536 |
| Average total loans | $60,364,500 | 4,293 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 1,608 |
| Cost of funding earning assets | 0.7561% | 617 |
| Net interest margin | 3.7207% | 2,607 |
| Noninterest income to average assets | 0.5045% | 3,211 |
| Noninterest expense to average assets | 3.3324% | 1,509 |
| Loan and lease loss provision to assets | 0.1515% | 1,654 |
| Net operating income to assets | 0.3003% | 5,216 |
| Return on assets (ROA) | 0.3003% | 5,284 |
| Pretax return on assets | 0.4755% | 5,080 |
| Return on Equity (ROE) | 2.2826% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.2826% | 4,224 |
| Net charge-offs to loans | 1.2907% | 126 |
| Credit loss provision to net charge-offs | 14.2680% | 3,715 |
| Earnings coverage of net charge-offs (x) | 0.5906% | 4,090 |
| Efficiency ratio | 84.1650% | 994 |
| Assets per employee ($millions) | 4.1555% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2907% | 410 |
| Loan loss allowance to noncurrent loans | 195.4930% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5883% | 1,014 |
| Noncurrent loans to loans | 1.1717% | 1,754 |
| Net loans and leases to total assets | 79.1535% | 1,017 |
| Net loans and leases to deposits | 92.0005% | 1,455 |
| Net loans and leases to core deposits | 97.3415% | 1,811 |
| Total domestic deposits to total assets | 86.0359% | 2,565 |
| Equity capital to assets | 13.4694% | 1,063 |
| Core capital (leverage) ratio | 11.8129% | 1,714 |
| Tier 1 risk-based capital ratio | 17.9852% | 1,850 |
| Total risk-based capital ratio | 19.2688% | 1,803 |
| Memoranda: | ||
| Average total assets | $75,922,200 | 4,816 |
| Average earning assets | $70,497,200 | 4,792 |
| Average equity | $9,988,800 | 4,580 |
| Average total loans | $62,449,000 | 4,214 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,455 |
| Cost of funding earning assets | 0.7662% | 594 |
| Net interest margin | 3.7616% | 2,484 |
| Noninterest income to average assets | 0.5371% | 2,996 |
| Noninterest expense to average assets | 3.2596% | 1,654 |
| Loan and lease loss provision to assets | 0.1505% | 1,552 |
| Net operating income to assets | 0.4164% | 4,970 |
| Return on assets (ROA) | 0.4164% | 5,062 |
| Pretax return on assets | 0.6316% | 4,797 |
| Return on Equity (ROE) | 3.1837% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.1837% | 4,008 |
| Net charge-offs to loans | 1.6636% | 76 |
| Credit loss provision to net charge-offs | 10.9554% | 3,365 |
| Earnings coverage of net charge-offs (x) | 0.5694% | 3,780 |
| Efficiency ratio | 80.6494% | 1,347 |
| Assets per employee ($millions) | 3.7945% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 521 |
| Loan loss allowance to noncurrent loans | 128.5847% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.8329% | 890 |
| Noncurrent loans to loans | 1.7119% | 1,222 |
| Net loans and leases to total assets | 80.8483% | 778 |
| Net loans and leases to deposits | 93.8652% | 1,268 |
| Net loans and leases to core deposits | 99.2639% | 1,705 |
| Total domestic deposits to total assets | 86.1324% | 2,292 |
| Equity capital to assets | 13.2865% | 1,353 |
| Core capital (leverage) ratio | 11.8201% | 1,800 |
| Tier 1 risk-based capital ratio | 18.0088% | 1,914 |
| Total risk-based capital ratio | 19.2938% | 1,874 |
| Memoranda: | ||
| Average total assets | $76,203,000 | 4,842 |
| Average earning assets | $70,995,500 | 4,818 |
| Average equity | $9,967,250 | 4,627 |
| Average total loans | $62,912,750 | 4,226 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,325 |
| Cost of funding earning assets | 0.7752% | 555 |
| Net interest margin | 3.7973% | 2,329 |
| Noninterest income to average assets | 0.3905% | 3,943 |
| Noninterest expense to average assets | 3.1845% | 1,850 |
| Loan and lease loss provision to assets | 0.1494% | 1,539 |
| Net operating income to assets | 0.3958% | 5,049 |
| Return on assets (ROA) | 0.3958% | 5,125 |
| Pretax return on assets | 0.6002% | 4,884 |
| Return on Equity (ROE) | 3.0417% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.0417% | 3,979 |
| Net charge-offs to loans | 0.3208% | 737 |
| Credit loss provision to net charge-offs | 56.4356% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.8317% | 3,203 |
| Efficiency ratio | 80.9460% | 1,387 |
| Assets per employee ($millions) | 3.4490% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1917% | 161 |
| Loan loss allowance to noncurrent loans | 116.5999% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 2.4961% | 556 |
| Noncurrent loans to loans | 2.7373% | 586 |
| Net loans and leases to total assets | 81.4244% | 691 |
| Net loans and leases to deposits | 94.3555% | 1,254 |
| Net loans and leases to core deposits | 100.7879% | 1,574 |
| Total domestic deposits to total assets | 86.2953% | 2,274 |
| Equity capital to assets | 13.2263% | 1,373 |
| Core capital (leverage) ratio | 11.6544% | 1,868 |
| Tier 1 risk-based capital ratio | 16.3554% | 2,483 |
| Total risk-based capital ratio | 18.2060% | 2,195 |
| Memoranda: | ||
| Average total assets | $76,307,670 | 4,888 |
| Average earning assets | $71,209,000 | 4,853 |
| Average equity | $9,928,670 | 4,660 |
| Average total loans | $62,971,670 | 4,258 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,243 |
| Cost of funding earning assets | 0.7841% | 532 |
| Net interest margin | 3.4839% | 3,542 |
| Noninterest income to average assets | 0.5332% | 2,912 |
| Noninterest expense to average assets | 3.1625% | 1,923 |
| Loan and lease loss provision to assets | 0.1516% | 1,399 |
| Net operating income to assets | 0.3032% | 5,296 |
| Return on assets (ROA) | 0.3032% | 5,378 |
| Pretax return on assets | 0.4705% | 5,162 |
| Return on Equity (ROE) | 2.3494% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.3494% | 4,311 |
| Net charge-offs to loans | -0.0064% | 4,367 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5635% | 1,199 |
| Assets per employee ($millions) | 3.9852% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3581% | 156 |
| Loan loss allowance to noncurrent loans | 97.7304% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 3.0930% | 401 |
| Noncurrent loans to loans | 3.4360% | 405 |
| Net loans and leases to total assets | 80.1965% | 789 |
| Net loans and leases to deposits | 93.0793% | 1,218 |
| Net loans and leases to core deposits | 99.8454% | 1,494 |
| Total domestic deposits to total assets | 86.1594% | 2,603 |
| Equity capital to assets | 13.1077% | 1,359 |
| Core capital (leverage) ratio | 11.4096% | 2,043 |
| Tier 1 risk-based capital ratio | 15.9129% | 2,725 |
| Total risk-based capital ratio | 17.7370% | 2,433 |
| Memoranda: | ||
| Average total assets | $76,522,000 | 4,929 |
| Average earning assets | $71,415,000 | 4,889 |
| Average equity | $9,875,000 | 4,677 |
| Average total loans | $62,547,000 | 4,299 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,730 |
| Cost of funding earning assets | 0.8963% | 294 |
| Net interest margin | 3.2560% | 4,450 |
| Noninterest income to average assets | 0.3080% | 4,683 |
| Noninterest expense to average assets | 3.1436% | 2,106 |
| Loan and lease loss provision to assets | 2.6529% | 19 |
| Net operating income to assets | -1.5962% | 6,127 |
| Return on assets (ROA) | -1.5962% | 6,128 |
| Pretax return on assets | -2.4413% | 6,149 |
| Return on Equity (ROE) | -11.7783% | 6,114 |
| Retained earnings to average equity (ytd only) | -11.7783% | 6,060 |
| Net charge-offs to loans | 0.9832% | 208 |
| Credit loss provision to net charge-offs | 341.7742% | 877 |
| Earnings coverage of net charge-offs (x) | 0.2726% | 4,244 |
| Efficiency ratio | 93.6940% | 501 |
| Assets per employee ($millions) | 3.8663% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3408% | 155 |
| Loan loss allowance to noncurrent loans | 97.2872% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 3.0663% | 425 |
| Noncurrent loans to loans | 3.4340% | 415 |
| Net loans and leases to total assets | 77.8274% | 1,143 |
| Net loans and leases to deposits | 89.7740% | 1,637 |
| Net loans and leases to core deposits | 97.2402% | 1,740 |
| Total domestic deposits to total assets | 86.6925% | 2,279 |
| Equity capital to assets | 12.7061% | 1,505 |
| Core capital (leverage) ratio | 10.9450% | 2,454 |
| Tier 1 risk-based capital ratio | 16.2962% | 2,565 |
| Total risk-based capital ratio | 18.1130% | 2,286 |
| Memoranda: | ||
| Average total assets | $79,876,000 | 4,881 |
| Average earning assets | $74,755,200 | 4,840 |
| Average equity | $10,825,000 | 4,517 |
| Average total loans | $63,059,800 | 4,290 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 2,925 |
| Cost of funding earning assets | 0.9190% | 257 |
| Net interest margin | 3.1830% | 4,723 |
| Noninterest income to average assets | 0.2683% | 5,017 |
| Noninterest expense to average assets | 2.9294% | 2,747 |
| Loan and lease loss provision to assets | 0.3312% | 420 |
| Net operating income to assets | -0.0133% | 5,951 |
| Return on assets (ROA) | -0.0133% | 5,982 |
| Pretax return on assets | -0.0099% | 5,974 |
| Return on Equity (ROE) | -0.0963% | 5,980 |
| Retained earnings to average equity (ytd only) | -0.0963% | 5,615 |
| Net charge-offs to loans | 0.2803% | 953 |
| Credit loss provision to net charge-offs | 150.3759% | 1,671 |
| Earnings coverage of net charge-offs (x) | 1.4586% | 3,830 |
| Efficiency ratio | 90.1172% | 691 |
| Assets per employee ($millions) | 3.8122% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 4,470 |
| Loan loss allowance to noncurrent loans | 28.9732% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 3.0728% | 481 |
| Noncurrent loans to loans | 3.6224% | 417 |
| Net loans and leases to total assets | 76.4315% | 1,324 |
| Net loans and leases to deposits | 89.3738% | 1,730 |
| Net loans and leases to core deposits | 96.6086% | 1,831 |
| Total domestic deposits to total assets | 85.5189% | 2,773 |
| Equity capital to assets | 13.7928% | 1,104 |
| Core capital (leverage) ratio | 13.5628% | 992 |
| Tier 1 risk-based capital ratio | 19.9668% | 1,558 |
| Total risk-based capital ratio | 21.6553% | 1,423 |
| Memoranda: | ||
| Average total assets | $80,513,750 | 4,915 |
| Average earning assets | $75,440,500 | 4,879 |
| Average equity | $11,075,000 | 4,516 |
| Average total loans | $63,259,750 | 4,329 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 2,826 |
| Cost of funding earning assets | 0.9506% | 218 |
| Net interest margin | 3.1697% | 4,754 |
| Noninterest income to average assets | 0.2479% | 5,175 |
| Noninterest expense to average assets | 2.8760% | 2,970 |
| Loan and lease loss provision to assets | 0.4264% | 260 |
| Net operating income to assets | -0.0620% | 6,032 |
| Return on assets (ROA) | -0.0620% | 6,062 |
| Pretax return on assets | -0.0868% | 6,062 |
| Return on Equity (ROE) | -0.4510% | 6,056 |
| Retained earnings to average equity (ytd only) | -0.4510% | 5,595 |
| Net charge-offs to loans | 0.4174% | 619 |
| Credit loss provision to net charge-offs | 129.3233% | 1,704 |
| Earnings coverage of net charge-offs (x) | 1.0301% | 3,586 |
| Efficiency ratio | 89.4372% | 795 |
| Assets per employee ($millions) | 4.1596% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,981 |
| Loan loss allowance to noncurrent loans | 62.6263% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 1,484 |
| Noncurrent loans to loans | 1.5596% | 1,693 |
| Net loans and leases to total assets | 79.5361% | 866 |
| Net loans and leases to deposits | 93.2018% | 1,232 |
| Net loans and leases to core deposits | 103.0070% | 1,266 |
| Total domestic deposits to total assets | 85.3376% | 2,994 |
| Equity capital to assets | 14.0146% | 977 |
| Core capital (leverage) ratio | 13.5558% | 970 |
| Tier 1 risk-based capital ratio | 19.9654% | 1,551 |
| Total risk-based capital ratio | 21.1574% | 1,528 |
| Memoranda: | ||
| Average total assets | $80,666,330 | 4,964 |
| Average earning assets | $75,528,330 | 4,935 |
| Average equity | $11,086,000 | 4,548 |
| Average total loans | $63,734,000 | 4,344 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 2,750 |
| Cost of funding earning assets | 0.9856% | 197 |
| Net interest margin | 3.1350% | 4,836 |
| Noninterest income to average assets | 0.1817% | 5,627 |
| Noninterest expense to average assets | 2.8233% | 3,165 |
| Loan and lease loss provision to assets | 0.7021% | 128 |
| Net operating income to assets | -0.4566% | 6,230 |
| Return on assets (ROA) | -0.4566% | 6,244 |
| Pretax return on assets | -0.4075% | 6,222 |
| Return on Equity (ROE) | -3.3597% | 6,224 |
| Retained earnings to average equity (ytd only) | -3.3597% | 5,821 |
| Net charge-offs to loans | 0.0063% | 3,113 |
| Credit loss provision to net charge-offs | 14,300.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 736 |
| Efficiency ratio | 90.5512% | 812 |
| Assets per employee ($millions) | 4.2808% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 4,338 |
| Loan loss allowance to noncurrent loans | 64.1844% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 1,573 |
| Noncurrent loans to loans | 1.7699% | 1,540 |
| Net loans and leases to total assets | 77.4697% | 1,001 |
| Net loans and leases to deposits | 90.2838% | 1,358 |
| Net loans and leases to core deposits | 99.4617% | 1,358 |
| Total domestic deposits to total assets | 85.8068% | 3,036 |
| Equity capital to assets | 13.5514% | 1,151 |
| Core capital (leverage) ratio | 13.5022% | 971 |
| Tier 1 risk-based capital ratio | 19.7191% | 1,686 |
| Total risk-based capital ratio | 20.9720% | 1,648 |
| Memoranda: | ||
| Average total assets | $81,465,000 | 4,999 |
| Average earning assets | $76,299,500 | 4,964 |
| Average equity | $11,072,500 | 4,584 |
| Average total loans | $63,861,500 | 4,368 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 3,270 |
| Cost of funding earning assets | 1.1145% | 123 |
| Net interest margin | 3.0007% | 5,449 |
| Noninterest income to average assets | 0.3470% | 4,622 |
| Noninterest expense to average assets | 2.8973% | 3,161 |
| Loan and lease loss provision to assets | 0.2164% | 1,146 |
| Net operating income to assets | 0.0230% | 6,061 |
| Return on assets (ROA) | 0.0230% | 6,081 |
| Pretax return on assets | 0.0496% | 6,044 |
| Return on Equity (ROE) | 0.1709% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.1709% | 5,700 |
| Net charge-offs to loans | 1.0497% | 273 |
| Credit loss provision to net charge-offs | 26.1314% | 3,903 |
| Earnings coverage of net charge-offs (x) | 0.3212% | 4,661 |
| Efficiency ratio | 91.5902% | 734 |
| Assets per employee ($millions) | 3.8855% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 5,446 |
| Loan loss allowance to noncurrent loans | 49.7861% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7942% | 1,458 |
| Noncurrent loans to loans | 1.8268% | 1,567 |
| Net loans and leases to total assets | 77.7106% | 1,036 |
| Net loans and leases to deposits | 90.8593% | 1,421 |
| Net loans and leases to core deposits | 99.3451% | 1,433 |
| Total domestic deposits to total assets | 85.5285% | 3,065 |
| Equity capital to assets | 13.6320% | 1,103 |
| Core capital (leverage) ratio | 13.4577% | 983 |
| Tier 1 risk-based capital ratio | 18.3753% | 2,025 |
| Total risk-based capital ratio | 19.3981% | 2,053 |
| Memoranda: | ||
| Average total assets | $82,698,600 | 4,998 |
| Average earning assets | $77,615,400 | 4,936 |
| Average equity | $11,120,200 | 4,539 |
| Average total loans | $65,258,600 | 4,322 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 3,382 |
| Cost of funding earning assets | 1.1317% | 120 |
| Net interest margin | 2.9672% | 5,565 |
| Noninterest income to average assets | 0.4033% | 4,223 |
| Noninterest expense to average assets | 2.9004% | 3,118 |
| Loan and lease loss provision to assets | 0.2507% | 860 |
| Net operating income to assets | 0.0241% | 6,118 |
| Return on assets (ROA) | 0.0241% | 6,138 |
| Pretax return on assets | 0.0370% | 6,120 |
| Return on Equity (ROE) | 0.1799% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.1799% | 5,751 |
| Net charge-offs to loans | 0.8540% | 386 |
| Credit loss provision to net charge-offs | 37.1429% | 3,335 |
| Earnings coverage of net charge-offs (x) | 0.4262% | 4,391 |
| Efficiency ratio | 90.9778% | 773 |
| Assets per employee ($millions) | 3.7893% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 3,692 |
| Loan loss allowance to noncurrent loans | 51.3966% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.4963% | 1,057 |
| Noncurrent loans to loans | 2.5122% | 1,166 |
| Net loans and leases to total assets | 75.9297% | 1,231 |
| Net loans and leases to deposits | 88.5621% | 1,601 |
| Net loans and leases to core deposits | 98.0392% | 1,525 |
| Total domestic deposits to total assets | 85.7360% | 2,989 |
| Equity capital to assets | 13.3403% | 1,261 |
| Core capital (leverage) ratio | 13.1680% | 1,114 |
| Tier 1 risk-based capital ratio | 18.4968% | 2,052 |
| Total risk-based capital ratio | 19.5992% | 2,069 |
| Memoranda: | ||
| Average total assets | $82,974,500 | 5,042 |
| Average earning assets | $77,872,750 | 4,983 |
| Average equity | $11,119,500 | 4,569 |
| Average total loans | $65,575,750 | 4,347 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,116 |
| Cost of funding earning assets | 1.1422% | 119 |
| Net interest margin | 3.0151% | 5,478 |
| Noninterest income to average assets | 0.3790% | 4,415 |
| Noninterest expense to average assets | 2.8922% | 3,193 |
| Loan and lease loss provision to assets | 0.2100% | 1,129 |
| Net operating income to assets | 0.0700% | 6,100 |
| Return on assets (ROA) | 0.0700% | 6,121 |
| Pretax return on assets | 0.1062% | 6,087 |
| Return on Equity (ROE) | 0.5216% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.5216% | 5,531 |
| Net charge-offs to loans | 0.6267% | 619 |
| Credit loss provision to net charge-offs | 42.0290% | 2,900 |
| Earnings coverage of net charge-offs (x) | 0.6329% | 4,010 |
| Efficiency ratio | 90.1430% | 910 |
| Assets per employee ($millions) | 4.1308% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 2,989 |
| Loan loss allowance to noncurrent loans | 48.3275% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 2.6351% | 1,023 |
| Noncurrent loans to loans | 3.0639% | 934 |
| Net loans and leases to total assets | 77.9592% | 917 |
| Net loans and leases to deposits | 91.2654% | 1,240 |
| Net loans and leases to core deposits | 99.5933% | 1,315 |
| Total domestic deposits to total assets | 85.4203% | 3,319 |
| Equity capital to assets | 13.4770% | 1,164 |
| Core capital (leverage) ratio | 13.3070% | 1,048 |
| Tier 1 risk-based capital ratio | 18.2922% | 2,135 |
| Total risk-based capital ratio | 19.4042% | 2,156 |
| Memoranda: | ||
| Average total assets | $82,844,670 | 5,083 |
| Average earning assets | $77,742,000 | 5,025 |
| Average equity | $11,119,000 | 4,582 |
| Average total loans | $66,059,000 | 4,352 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 3,205 |
| Cost of funding earning assets | 1.1405% | 130 |
| Net interest margin | 2.9796% | 5,572 |
| Noninterest income to average assets | 0.4050% | 4,148 |
| Noninterest expense to average assets | 2.8978% | 3,225 |
| Loan and lease loss provision to assets | 0.2073% | 1,116 |
| Net operating income to assets | 0.0627% | 6,102 |
| Return on assets (ROA) | 0.0627% | 6,125 |
| Pretax return on assets | 0.0964% | 6,085 |
| Return on Equity (ROE) | 0.4680% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.4680% | 5,393 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5120% | 987 |
| Assets per employee ($millions) | 3.9155% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 2,319 |
| Loan loss allowance to noncurrent loans | 66.8241% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.2779% | 1,442 |
| Noncurrent loans to loans | 2.5596% | 1,347 |
| Net loans and leases to total assets | 79.1124% | 647 |
| Net loans and leases to deposits | 92.8266% | 890 |
| Net loans and leases to core deposits | 100.9200% | 1,041 |
| Total domestic deposits to total assets | 85.2261% | 3,761 |
| Equity capital to assets | 13.5213% | 1,089 |
| Core capital (leverage) ratio | 13.3474% | 1,020 |
| Tier 1 risk-based capital ratio | 18.0210% | 2,287 |
| Total risk-based capital ratio | 19.1382% | 2,319 |
| Memoranda: | ||
| Average total assets | $82,959,500 | 5,130 |
| Average earning assets | $77,864,000 | 5,071 |
| Average equity | $11,111,500 | 4,588 |
| Average total loans | $66,401,500 | 4,376 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 1,918 |
| Cost of funding earning assets | 1.1880% | 191 |
| Net interest margin | 3.3969% | 4,281 |
| Noninterest income to average assets | 0.2950% | 5,242 |
| Noninterest expense to average assets | 3.3596% | 1,975 |
| Loan and lease loss provision to assets | 0.6551% | 362 |
| Net operating income to assets | -0.3564% | 6,441 |
| Return on assets (ROA) | -0.3564% | 6,454 |
| Pretax return on assets | -0.5346% | 6,496 |
| Return on Equity (ROE) | -2.6081% | 6,407 |
| Retained earnings to average equity (ytd only) | -2.6081% | 6,232 |
| Net charge-offs to loans | 1.2029% | 442 |
| Credit loss provision to net charge-offs | 64.6081% | 3,439 |
| Earnings coverage of net charge-offs (x) | 0.1188% | 5,044 |
| Efficiency ratio | 96.5398% | 614 |
| Assets per employee ($millions) | 4.1847% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 2,636 |
| Loan loss allowance to noncurrent loans | 96.3685% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 2,236 |
| Noncurrent loans to loans | 1.6947% | 2,370 |
| Net loans and leases to total assets | 78.3005% | 784 |
| Net loans and leases to deposits | 92.2349% | 1,033 |
| Net loans and leases to core deposits | 100.1436% | 1,147 |
| Total domestic deposits to total assets | 84.8924% | 3,803 |
| Equity capital to assets | 13.2687% | 1,152 |
| Core capital (leverage) ratio | 13.2656% | 1,031 |
| Tier 1 risk-based capital ratio | 18.2848% | 2,155 |
| Total risk-based capital ratio | 19.4015% | 2,159 |
| Memoranda: | ||
| Average total assets | $83,046,000 | 5,162 |
| Average earning assets | $77,864,600 | 5,094 |
| Average equity | $11,349,400 | 4,569 |
| Average total loans | $69,999,000 | 4,268 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 1,810 |
| Cost of funding earning assets | 1.1998% | 200 |
| Net interest margin | 3.4259% | 4,180 |
| Noninterest income to average assets | 0.4199% | 4,369 |
| Noninterest expense to average assets | 3.4553% | 1,704 |
| Loan and lease loss provision to assets | 0.2815% | 1,234 |
| Net operating income to assets | -0.1062% | 6,386 |
| Return on assets (ROA) | -0.1062% | 6,426 |
| Pretax return on assets | -0.1062% | 6,405 |
| Return on Equity (ROE) | -0.7712% | 6,408 |
| Retained earnings to average equity (ytd only) | -0.7712% | 6,098 |
| Net charge-offs to loans | 0.7265% | 822 |
| Credit loss provision to net charge-offs | 45.3368% | 3,609 |
| Earnings coverage of net charge-offs (x) | 0.2824% | 4,766 |
| Efficiency ratio | 95.1706% | 668 |
| Assets per employee ($millions) | 3.9403% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,382 |
| Loan loss allowance to noncurrent loans | 59.6163% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.8738% | 1,294 |
| Noncurrent loans to loans | 2.9786% | 1,358 |
| Net loans and leases to total assets | 83.0930% | 288 |
| Net loans and leases to deposits | 98.1010% | 565 |
| Net loans and leases to core deposits | 105.6906% | 777 |
| Total domestic deposits to total assets | 84.7016% | 3,883 |
| Equity capital to assets | 13.6996% | 1,052 |
| Core capital (leverage) ratio | 13.6954% | 952 |
| Tier 1 risk-based capital ratio | 17.8913% | 2,359 |
| Total risk-based capital ratio | 19.0154% | 2,382 |
| Memoranda: | ||
| Average total assets | $82,884,250 | 5,221 |
| Average earning assets | $77,681,000 | 5,147 |
| Average equity | $11,410,500 | 4,605 |
| Average total loans | $70,843,750 | 4,269 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 1,622 |
| Cost of funding earning assets | 1.2044% | 209 |
| Net interest margin | 3.4768% | 3,889 |
| Noninterest income to average assets | 0.4727% | 4,010 |
| Noninterest expense to average assets | 3.1955% | 2,367 |
| Loan and lease loss provision to assets | 0.2822% | 1,292 |
| Net operating income to assets | 0.1664% | 5,986 |
| Return on assets (ROA) | 0.1664% | 6,102 |
| Pretax return on assets | 0.2532% | 5,994 |
| Return on Equity (ROE) | 1.2068% | 6,167 |
| Retained earnings to average equity (ytd only) | 1.2068% | 5,419 |
| Net charge-offs to loans | 0.2334% | 2,328 |
| Credit loss provision to net charge-offs | 140.9639% | 1,607 |
| Earnings coverage of net charge-offs (x) | 2.6747% | 3,622 |
| Efficiency ratio | 85.6496% | 1,445 |
| Assets per employee ($millions) | 3.1427% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0804% | 1,675 |
| Loan loss allowance to noncurrent loans | 65.9867% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.1599% | 1,261 |
| Noncurrent loans to loans | 3.1527% | 1,394 |
| Net loans and leases to total assets | 85.7131% | 160 |
| Net loans and leases to deposits | 101.7758% | 339 |
| Net loans and leases to core deposits | 109.6607% | 576 |
| Total domestic deposits to total assets | 84.2175% | 4,231 |
| Equity capital to assets | 14.0385% | 960 |
| Core capital (leverage) ratio | 14.0343% | 816 |
| Tier 1 risk-based capital ratio | 17.8178% | 2,387 |
| Total risk-based capital ratio | 18.9552% | 2,400 |
| Memoranda: | ||
| Average total assets | $82,930,000 | 5,249 |
| Average earning assets | $77,714,330 | 5,178 |
| Average equity | $11,435,330 | 4,639 |
| Average total loans | $71,125,000 | 4,271 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,595 |
| Cost of funding earning assets | 1.2028% | 229 |
| Net interest margin | 3.4760% | 3,807 |
| Noninterest income to average assets | 0.4118% | 4,375 |
| Noninterest expense to average assets | 3.1745% | 2,434 |
| Loan and lease loss provision to assets | 0.2777% | 1,263 |
| Net operating income to assets | 0.1484% | 6,045 |
| Return on assets (ROA) | 0.1484% | 6,140 |
| Pretax return on assets | 0.2250% | 6,031 |
| Return on Equity (ROE) | 1.0861% | 6,201 |
| Retained earnings to average equity (ytd only) | 1.0861% | 5,417 |
| Net charge-offs to loans | 0.0564% | 3,262 |
| Credit loss provision to net charge-offs | 580.0000% | 468 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,735 |
| Efficiency ratio | 86.3281% | 1,478 |
| Assets per employee ($millions) | 3.4459% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 1,780 |
| Loan loss allowance to noncurrent loans | 69.2804% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.6602% | 1,708 |
| Noncurrent loans to loans | 3.0385% | 1,646 |
| Net loans and leases to total assets | 84.4587% | 175 |
| Net loans and leases to deposits | 100.1362% | 345 |
| Net loans and leases to core deposits | 108.1271% | 557 |
| Total domestic deposits to total assets | 84.3438% | 4,336 |
| Equity capital to assets | 13.8243% | 1,082 |
| Core capital (leverage) ratio | 13.8202% | 844 |
| Tier 1 risk-based capital ratio | 17.9874% | 2,369 |
| Total risk-based capital ratio | 19.2512% | 2,330 |
| Memoranda: | ||
| Average total assets | $83,539,500 | 5,282 |
| Average earning assets | $78,480,500 | 5,196 |
| Average equity | $11,417,500 | 4,696 |
| Average total loans | $70,925,000 | 4,311 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9728% | 1,634 |
| Cost of funding earning assets | 1.2985% | 377 |
| Net interest margin | 3.6743% | 3,770 |
| Noninterest income to average assets | 0.6539% | 2,969 |
| Noninterest expense to average assets | 3.0800% | 2,984 |
| Loan and lease loss provision to assets | 0.3504% | 1,905 |
| Net operating income to assets | 0.4199% | 5,007 |
| Return on assets (ROA) | 0.4199% | 5,270 |
| Pretax return on assets | 0.6527% | 4,818 |
| Return on Equity (ROE) | 3.1193% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.1193% | 4,042 |
| Net charge-offs to loans | 0.1653% | 4,057 |
| Credit loss provision to net charge-offs | 247.4576% | 992 |
| Earnings coverage of net charge-offs (x) | 7.0847% | 2,683 |
| Efficiency ratio | 75.4334% | 2,842 |
| Assets per employee ($millions) | 3.2453% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 1,854 |
| Loan loss allowance to noncurrent loans | 71.8379% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.4225% | 2,022 |
| Noncurrent loans to loans | 2.8710% | 1,825 |
| Net loans and leases to total assets | 81.8292% | 337 |
| Net loans and leases to deposits | 97.0278% | 560 |
| Net loans and leases to core deposits | 105.6008% | 708 |
| Total domestic deposits to total assets | 84.3358% | 4,166 |
| Equity capital to assets | 13.5132% | 1,221 |
| Core capital (leverage) ratio | 13.5091% | 938 |
| Tier 1 risk-based capital ratio | 20.0662% | 1,656 |
| Total risk-based capital ratio | 21.3320% | 1,625 |
| Memoranda: | ||
| Average total assets | $83,343,400 | 5,263 |
| Average earning assets | $77,783,400 | 5,191 |
| Average equity | $11,220,600 | 4,718 |
| Average total loans | $71,370,600 | 4,305 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 1,732 |
| Cost of funding earning assets | 1.3084% | 419 |
| Net interest margin | 3.6740% | 3,906 |
| Noninterest income to average assets | 0.5681% | 3,487 |
| Noninterest expense to average assets | 3.0538% | 3,042 |
| Loan and lease loss provision to assets | 0.2937% | 2,235 |
| Net operating income to assets | 0.4269% | 5,130 |
| Return on assets (ROA) | 0.4269% | 5,370 |
| Pretax return on assets | 0.6451% | 5,028 |
| Return on Equity (ROE) | 3.1736% | 5,615 |
| Retained earnings to average equity (ytd only) | 3.1736% | 4,638 |
| Net charge-offs to loans | 0.1360% | 4,030 |
| Credit loss provision to net charge-offs | 250.6849% | 1,092 |
| Earnings coverage of net charge-offs (x) | 8.0138% | 2,515 |
| Efficiency ratio | 76.4871% | 2,598 |
| Assets per employee ($millions) | 3.6551% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 2,334 |
| Loan loss allowance to noncurrent loans | 62.3824% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.7454% | 1,924 |
| Noncurrent loans to loans | 3.1216% | 1,782 |
| Net loans and leases to total assets | 83.4336% | 255 |
| Net loans and leases to deposits | 99.1673% | 487 |
| Net loans and leases to core deposits | 107.8279% | 656 |
| Total domestic deposits to total assets | 84.1343% | 4,157 |
| Equity capital to assets | 13.4605% | 1,365 |
| Core capital (leverage) ratio | 13.4585% | 1,031 |
| Tier 1 risk-based capital ratio | 19.7652% | 1,817 |
| Total risk-based capital ratio | 21.0300% | 1,786 |
| Memoranda: | ||
| Average total assets | $83,085,000 | 5,319 |
| Average earning assets | $77,443,750 | 5,257 |
| Average equity | $11,175,250 | 4,772 |
| Average total loans | $71,588,500 | 4,338 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 1,770 |
| Cost of funding earning assets | 1.3246% | 470 |
| Net interest margin | 3.6828% | 3,913 |
| Noninterest income to average assets | 0.5365% | 3,673 |
| Noninterest expense to average assets | 3.0813% | 2,981 |
| Loan and lease loss provision to assets | 0.2852% | 2,295 |
| Net operating income to assets | 0.3915% | 5,239 |
| Return on assets (ROA) | 0.3915% | 5,483 |
| Pretax return on assets | 0.5969% | 5,146 |
| Return on Equity (ROE) | 2.9115% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.9115% | 4,695 |
| Net charge-offs to loans | 0.0223% | 5,087 |
| Credit loss provision to net charge-offs | 1,475.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 45.6250% | 790 |
| Efficiency ratio | 77.7439% | 2,492 |
| Assets per employee ($millions) | 3.5603% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 2,402 |
| Loan loss allowance to noncurrent loans | 56.0563% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 3.0346% | 1,815 |
| Noncurrent loans to loans | 3.4650% | 1,659 |
| Net loans and leases to total assets | 85.8795% | 146 |
| Net loans and leases to deposits | 102.8941% | 310 |
| Net loans and leases to core deposits | 110.9892% | 543 |
| Total domestic deposits to total assets | 83.4640% | 4,549 |
| Equity capital to assets | 13.6919% | 1,217 |
| Core capital (leverage) ratio | 13.6898% | 904 |
| Tier 1 risk-based capital ratio | 19.4045% | 1,878 |
| Total risk-based capital ratio | 20.6682% | 1,841 |
| Memoranda: | ||
| Average total assets | $82,757,330 | 5,360 |
| Average earning assets | $77,006,670 | 5,299 |
| Average equity | $11,128,330 | 4,784 |
| Average total loans | $71,606,670 | 4,369 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 1,844 |
| Cost of funding earning assets | 1.3334% | 550 |
| Net interest margin | 3.6797% | 3,924 |
| Noninterest income to average assets | 0.5529% | 3,543 |
| Noninterest expense to average assets | 3.1541% | 2,748 |
| Loan and lease loss provision to assets | 0.2837% | 2,198 |
| Net operating income to assets | 0.3510% | 5,472 |
| Return on assets (ROA) | 0.3510% | 5,646 |
| Pretax return on assets | 0.5385% | 5,321 |
| Return on Equity (ROE) | 2.6338% | 5,851 |
| Retained earnings to average equity (ytd only) | 2.6338% | 4,942 |
| Net charge-offs to loans | 0.0503% | 3,999 |
| Credit loss provision to net charge-offs | 655.5556% | 528 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,240 |
| Efficiency ratio | 79.3229% | 2,302 |
| Assets per employee ($millions) | 3.1930% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 2,830 |
| Loan loss allowance to noncurrent loans | 67.7682% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.3693% | 2,506 |
| Noncurrent loans to loans | 2.7363% | 2,382 |
| Net loans and leases to total assets | 84.9842% | 152 |
| Net loans and leases to deposits | 101.8992% | 311 |
| Net loans and leases to core deposits | 110.0722% | 534 |
| Total domestic deposits to total assets | 83.4002% | 4,760 |
| Equity capital to assets | 13.3981% | 1,277 |
| Core capital (leverage) ratio | 13.3957% | 982 |
| Tier 1 risk-based capital ratio | 19.4597% | 1,853 |
| Total risk-based capital ratio | 20.7230% | 1,815 |
| Memoranda: | ||
| Average total assets | $83,192,000 | 5,383 |
| Average earning assets | $77,397,000 | 5,318 |
| Average equity | $11,086,500 | 4,805 |
| Average total loans | $71,551,000 | 4,397 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1710% | 2,182 |
| Cost of funding earning assets | 1.4393% | 880 |
| Net interest margin | 3.7317% | 4,150 |
| Noninterest income to average assets | 0.5375% | 3,602 |
| Noninterest expense to average assets | 3.4295% | 2,171 |
| Loan and lease loss provision to assets | 0.2852% | 3,382 |
| Net operating income to assets | 0.1926% | 5,611 |
| Return on assets (ROA) | 0.1926% | 5,738 |
| Pretax return on assets | 0.2986% | 5,558 |
| Return on Equity (ROE) | 1.4345% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.4345% | 5,182 |
| Net charge-offs to loans | 0.2290% | 4,352 |
| Credit loss provision to net charge-offs | 144.4444% | 1,996 |
| Earnings coverage of net charge-offs (x) | 2.9568% | 3,727 |
| Efficiency ratio | 85.4540% | 1,625 |
| Assets per employee ($millions) | 3.3346% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 5,105 |
| Loan loss allowance to noncurrent loans | 44.9950% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.3967% | 2,537 |
| Noncurrent loans to loans | 2.8055% | 2,336 |
| Net loans and leases to total assets | 84.3483% | 194 |
| Net loans and leases to deposits | 102.0211% | 377 |
| Net loans and leases to core deposits | 108.8734% | 660 |
| Total domestic deposits to total assets | 82.6774% | 4,890 |
| Equity capital to assets | 13.2550% | 1,378 |
| Core capital (leverage) ratio | 13.2518% | 1,051 |
| Tier 1 risk-based capital ratio | 17.3947% | 2,419 |
| Total risk-based capital ratio | 18.6433% | 2,393 |
| Memoranda: | ||
| Average total assets | $82,052,800 | 5,405 |
| Average earning assets | $76,426,000 | 5,329 |
| Average equity | $11,014,200 | 4,775 |
| Average total loans | $70,748,000 | 4,462 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 2,231 |
| Cost of funding earning assets | 1.4529% | 1,017 |
| Net interest margin | 3.7390% | 4,164 |
| Noninterest income to average assets | 0.4813% | 4,031 |
| Noninterest expense to average assets | 3.1781% | 2,889 |
| Loan and lease loss provision to assets | 0.2284% | 3,726 |
| Net operating income to assets | 0.3687% | 5,133 |
| Return on assets (ROA) | 0.3687% | 5,316 |
| Pretax return on assets | 0.5596% | 4,936 |
| Return on Equity (ROE) | 2.7381% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.7381% | 4,717 |
| Net charge-offs to loans | 0.2379% | 3,935 |
| Credit loss provision to net charge-offs | 111.1111% | 2,954 |
| Earnings coverage of net charge-offs (x) | 3.8332% | 3,280 |
| Efficiency ratio | 80.1316% | 2,238 |
| Assets per employee ($millions) | 3.3386% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,602 |
| Loan loss allowance to noncurrent loans | 73.5371% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 4,078 |
| Noncurrent loans to loans | 1.5880% | 3,916 |
| Net loans and leases to total assets | 85.3771% | 148 |
| Net loans and leases to deposits | 103.8231% | 324 |
| Net loans and leases to core deposits | 108.5404% | 745 |
| Total domestic deposits to total assets | 82.2333% | 4,995 |
| Equity capital to assets | 13.3206% | 1,453 |
| Core capital (leverage) ratio | 13.3174% | 1,103 |
| Tier 1 risk-based capital ratio | 17.5659% | 2,412 |
| Total risk-based capital ratio | 18.8160% | 2,389 |
| Memoranda: | ||
| Average total assets | $81,724,750 | 5,449 |
| Average earning assets | $76,168,000 | 5,377 |
| Average equity | $11,005,250 | 4,802 |
| Average total loans | $70,631,000 | 4,505 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 2,250 |
| Cost of funding earning assets | 1.4685% | 1,124 |
| Net interest margin | 3.7335% | 4,103 |
| Noninterest income to average assets | 0.4264% | 4,458 |
| Noninterest expense to average assets | 3.1327% | 3,135 |
| Loan and lease loss provision to assets | 0.2144% | 3,770 |
| Net operating income to assets | 0.3672% | 5,097 |
| Return on assets (ROA) | 0.3672% | 5,238 |
| Pretax return on assets | 0.5570% | 4,889 |
| Return on Equity (ROE) | 2.7171% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.7171% | 4,556 |
| Net charge-offs to loans | 0.1996% | 3,949 |
| Credit loss provision to net charge-offs | 124.2857% | 2,453 |
| Earnings coverage of net charge-offs (x) | 4.4714% | 2,857 |
| Efficiency ratio | 80.2399% | 2,354 |
| Assets per employee ($millions) | 3.4085% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 5,600 |
| Loan loss allowance to noncurrent loans | 91.2527% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 4,627 |
| Noncurrent loans to loans | 1.3019% | 4,466 |
| Net loans and leases to total assets | 85.9186% | 143 |
| Net loans and leases to deposits | 105.3544% | 283 |
| Net loans and leases to core deposits | 108.3008% | 798 |
| Total domestic deposits to total assets | 81.5520% | 5,333 |
| Equity capital to assets | 13.4983% | 1,296 |
| Core capital (leverage) ratio | 13.4951% | 996 |
| Tier 1 risk-based capital ratio | 17.6913% | 2,270 |
| Total risk-based capital ratio | 18.9413% | 2,236 |
| Memoranda: | ||
| Average total assets | $81,144,670 | 5,519 |
| Average earning assets | $75,586,330 | 5,447 |
| Average equity | $10,967,670 | 4,809 |
| Average total loans | $70,140,670 | 4,572 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 2,283 |
| Cost of funding earning assets | 1.4796% | 1,258 |
| Net interest margin | 3.7043% | 4,076 |
| Noninterest income to average assets | 0.5049% | 3,844 |
| Noninterest expense to average assets | 3.1875% | 2,935 |
| Loan and lease loss provision to assets | 0.1683% | 3,944 |
| Net operating income to assets | 0.3910% | 4,992 |
| Return on assets (ROA) | 0.3910% | 5,080 |
| Pretax return on assets | 0.5939% | 4,706 |
| Return on Equity (ROE) | 2.8910% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.8910% | 4,426 |
| Net charge-offs to loans | 0.1149% | 3,843 |
| Credit loss provision to net charge-offs | 170.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 7.7000% | 1,913 |
| Efficiency ratio | 80.7018% | 2,409 |
| Assets per employee ($millions) | 3.2569% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,604 |
| Loan loss allowance to noncurrent loans | 102.0606% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 4,878 |
| Noncurrent loans to loans | 1.1811% | 4,712 |
| Net loans and leases to total assets | 84.7547% | 188 |
| Net loans and leases to deposits | 104.4704% | 298 |
| Net loans and leases to core deposits | 108.5610% | 813 |
| Total domestic deposits to total assets | 81.1280% | 5,625 |
| Equity capital to assets | 13.4742% | 1,195 |
| Core capital (leverage) ratio | 13.4711% | 978 |
| Tier 1 risk-based capital ratio | 17.7712% | 2,191 |
| Total risk-based capital ratio | 19.0204% | 2,158 |
| Memoranda: | ||
| Average total assets | $80,815,500 | 5,567 |
| Average earning assets | $75,156,500 | 5,507 |
| Average equity | $10,930,500 | 4,816 |
| Average total loans | $69,646,500 | 4,632 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8703% | 1,102 |
| Cost of funding earning assets | 1.6634% | 1,763 |
| Net interest margin | 4.2069% | 2,156 |
| Noninterest income to average assets | 0.6855% | 2,932 |
| Noninterest expense to average assets | 3.1628% | 3,220 |
| Loan and lease loss provision to assets | 0.6281% | 2,618 |
| Net operating income to assets | 0.5134% | 4,033 |
| Return on assets (ROA) | 0.5134% | 4,189 |
| Pretax return on assets | 0.7506% | 3,798 |
| Return on Equity (ROE) | 3.6772% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.6772% | 3,282 |
| Net charge-offs to loans | 0.8431% | 2,523 |
| Credit loss provision to net charge-offs | 83.1034% | 5,436 |
| Earnings coverage of net charge-offs (x) | 1.8241% | 4,356 |
| Efficiency ratio | 69.6413% | 4,254 |
| Assets per employee ($millions) | 3.2084% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 5,555 |
| Loan loss allowance to noncurrent loans | 156.5217% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 5,020 |
| Noncurrent loans to loans | 0.7618% | 5,522 |
| Net loans and leases to total assets | 85.5440% | 205 |
| Net loans and leases to deposits | 106.5402% | 303 |
| Net loans and leases to core deposits | 110.7732% | 878 |
| Total domestic deposits to total assets | 80.2927% | 5,753 |
| Equity capital to assets | 13.5770% | 1,160 |
| Core capital (leverage) ratio | 13.5760% | 963 |
| Tier 1 risk-based capital ratio | 17.5253% | 2,165 |
| Total risk-based capital ratio | 18.7759% | 2,129 |
| Memoranda: | ||
| Average total assets | $76,736,200 | 5,687 |
| Average earning assets | $70,337,000 | 5,657 |
| Average equity | $10,714,600 | 4,929 |
| Average total loans | $68,797,000 | 4,727 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8834% | 1,171 |
| Cost of funding earning assets | 1.6933% | 1,912 |
| Net interest margin | 4.1901% | 2,254 |
| Noninterest income to average assets | 0.5729% | 3,630 |
| Noninterest expense to average assets | 3.0842% | 3,403 |
| Loan and lease loss provision to assets | 0.5764% | 2,628 |
| Net operating income to assets | 0.5184% | 4,223 |
| Return on assets (ROA) | 0.5184% | 4,414 |
| Pretax return on assets | 0.7434% | 4,102 |
| Return on Equity (ROE) | 3.6860% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.6860% | 3,866 |
| Net charge-offs to loans | 0.7207% | 2,622 |
| Credit loss provision to net charge-offs | 88.4097% | 4,829 |
| Earnings coverage of net charge-offs (x) | 2.0243% | 4,204 |
| Efficiency ratio | 70.0319% | 4,062 |
| Assets per employee ($millions) | 3.1703% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 5,750 |
| Loan loss allowance to noncurrent loans | 52.8909% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 2.0023% | 3,466 |
| Noncurrent loans to loans | 2.1579% | 3,500 |
| Net loans and leases to total assets | 87.9747% | 108 |
| Net loans and leases to deposits | 112.1644% | 218 |
| Net loans and leases to core deposits | 115.9681% | 747 |
| Total domestic deposits to total assets | 78.4337% | 6,159 |
| Equity capital to assets | 13.6163% | 1,309 |
| Core capital (leverage) ratio | 13.6141% | 1,024 |
| Tier 1 risk-based capital ratio | 17.4133% | 2,200 |
| Total risk-based capital ratio | 18.6641% | 2,163 |
| Memoranda: | ||
| Average total assets | $75,868,000 | 5,778 |
| Average earning assets | $69,368,000 | 5,758 |
| Average equity | $10,670,750 | 5,002 |
| Average total loans | $68,635,750 | 4,802 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9384% | 1,085 |
| Cost of funding earning assets | 1.7205% | 2,011 |
| Net interest margin | 4.2178% | 2,099 |
| Noninterest income to average assets | 0.5753% | 3,507 |
| Noninterest expense to average assets | 3.0507% | 3,522 |
| Loan and lease loss provision to assets | 0.4549% | 3,048 |
| Net operating income to assets | 0.6556% | 3,605 |
| Return on assets (ROA) | 0.6556% | 3,760 |
| Pretax return on assets | 0.9205% | 3,414 |
| Return on Equity (ROE) | 4.6095% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.6095% | 3,140 |
| Net charge-offs to loans | 0.6382% | 2,631 |
| Credit loss provision to net charge-offs | 78.3410% | 4,754 |
| Earnings coverage of net charge-offs (x) | 2.3687% | 3,810 |
| Efficiency ratio | 68.9238% | 4,393 |
| Assets per employee ($millions) | 3.2115% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 5,736 |
| Loan loss allowance to noncurrent loans | 42.9491% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.6337% | 2,741 |
| Noncurrent loans to loans | 2.6581% | 2,984 |
| Net loans and leases to total assets | 89.9905% | 74 |
| Net loans and leases to deposits | 116.9916% | 162 |
| Net loans and leases to core deposits | 119.5917% | 709 |
| Total domestic deposits to total assets | 76.9205% | 6,525 |
| Equity capital to assets | 13.9341% | 1,184 |
| Core capital (leverage) ratio | 13.9341% | 941 |
| Tier 1 risk-based capital ratio | 17.5444% | 2,093 |
| Total risk-based capital ratio | 18.7941% | 2,054 |
| Memoranda: | ||
| Average total assets | $74,738,000 | 5,847 |
| Average earning assets | $68,234,330 | 5,821 |
| Average equity | $10,630,330 | 5,021 |
| Average total loans | $68,003,670 | 4,862 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9964% | 988 |
| Cost of funding earning assets | 1.7269% | 2,254 |
| Net interest margin | 4.2695% | 1,785 |
| Noninterest income to average assets | 0.4839% | 4,166 |
| Noninterest expense to average assets | 2.8762% | 4,158 |
| Loan and lease loss provision to assets | 0.2990% | 3,642 |
| Net operating income to assets | 0.8862% | 2,607 |
| Return on assets (ROA) | 0.8862% | 2,673 |
| Pretax return on assets | 1.2070% | 2,344 |
| Return on Equity (ROE) | 6.1652% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.1652% | 2,541 |
| Net charge-offs to loans | 0.3168% | 3,148 |
| Credit loss provision to net charge-offs | 103.7736% | 3,298 |
| Earnings coverage of net charge-offs (x) | 5.2264% | 2,438 |
| Efficiency ratio | 65.6328% | 5,199 |
| Assets per employee ($millions) | 3.1054% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,349 |
| Loan loss allowance to noncurrent loans | 60.7901% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 3,355 |
| Noncurrent loans to loans | 2.0198% | 3,764 |
| Net loans and leases to total assets | 89.6953% | 75 |
| Net loans and leases to deposits | 118.6107% | 155 |
| Net loans and leases to core deposits | 120.8580% | 752 |
| Total domestic deposits to total assets | 75.6216% | 6,814 |
| Equity capital to assets | 14.3005% | 1,066 |
| Core capital (leverage) ratio | 14.3005% | 896 |
| Tier 1 risk-based capital ratio | 18.2860% | 1,879 |
| Total risk-based capital ratio | 19.5368% | 1,845 |
| Memoranda: | ||
| Average total assets | $73,568,500 | 5,952 |
| Average earning assets | $67,173,500 | 5,927 |
| Average equity | $10,575,500 | 5,081 |
| Average total loans | $66,924,000 | 4,969 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0114% | 1,822 |
| Cost of funding earning assets | 2.0760% | 2,595 |
| Net interest margin | 3.9354% | 3,142 |
| Noninterest income to average assets | 0.6421% | 3,341 |
| Noninterest expense to average assets | 3.4345% | 2,571 |
| Loan and lease loss provision to assets | 0.4695% | 4,006 |
| Net operating income to assets | 0.1325% | 5,104 |
| Return on assets (ROA) | 0.1855% | 5,014 |
| Pretax return on assets | 0.4238% | 4,423 |
| Return on Equity (ROE) | 1.2429% | 5,157 |
| Retained earnings to average equity (ytd only) | 1.2429% | 4,172 |
| Net charge-offs to loans | 0.3465% | 4,501 |
| Credit loss provision to net charge-offs | 150.9174% | 3,063 |
| Earnings coverage of net charge-offs (x) | 2.6055% | 3,813 |
| Efficiency ratio | 80.9076% | 2,761 |
| Assets per employee ($millions) | 3.0253% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,026 |
| Loan loss allowance to noncurrent loans | 38.2136% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.1691% | 2,185 |
| Noncurrent loans to loans | 3.2826% | 2,328 |
| Net loans and leases to total assets | 89.9873% | 90 |
| Net loans and leases to deposits | 117.3160% | 209 |
| Net loans and leases to core deposits | 153.7401% | 434 |
| Total domestic deposits to total assets | 76.7050% | 6,547 |
| Equity capital to assets | 14.4516% | 1,037 |
| Core capital (leverage) ratio | 14.4516% | 890 |
| Tier 1 risk-based capital ratio | 18.2360% | 1,834 |
| Total risk-based capital ratio | 19.4856% | 1,785 |
| Memoranda: | ||
| Average total assets | $70,082,000 | 6,000 |
| Average earning assets | $64,161,400 | 5,993 |
| Average equity | $10,459,800 | 5,176 |
| Average total loans | $62,918,800 | 5,136 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0427% | 1,869 |
| Cost of funding earning assets | 2.1596% | 2,602 |
| Net interest margin | 3.8831% | 3,293 |
| Noninterest income to average assets | 0.6450% | 3,380 |
| Noninterest expense to average assets | 3.4499% | 2,420 |
| Loan and lease loss provision to assets | 0.2841% | 4,699 |
| Net operating income to assets | 0.2666% | 4,920 |
| Return on assets (ROA) | 0.3379% | 4,746 |
| Pretax return on assets | 0.5779% | 4,263 |
| Return on Equity (ROE) | 2.2452% | 5,082 |
| Retained earnings to average equity (ytd only) | 2.2452% | 4,074 |
| Net charge-offs to loans | 0.2104% | 4,721 |
| Credit loss provision to net charge-offs | 151.0204% | 3,178 |
| Earnings coverage of net charge-offs (x) | 3.9899% | 3,308 |
| Efficiency ratio | 82.1298% | 2,562 |
| Assets per employee ($millions) | 2.9795% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,120 |
| Loan loss allowance to noncurrent loans | 57.6030% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.0725% | 3,246 |
| Noncurrent loans to loans | 2.0812% | 3,521 |
| Net loans and leases to total assets | 88.6266% | 167 |
| Net loans and leases to deposits | 114.7222% | 297 |
| Net loans and leases to core deposits | 144.0560% | 762 |
| Total domestic deposits to total assets | 77.2532% | 6,276 |
| Equity capital to assets | 14.7380% | 1,082 |
| Core capital (leverage) ratio | 14.7380% | 907 |
| Tier 1 risk-based capital ratio | 19.2076% | 1,701 |
| Total risk-based capital ratio | 20.4560% | 1,671 |
| Memoranda: | ||
| Average total assets | $69,450,500 | 6,059 |
| Average earning assets | $63,590,250 | 6,056 |
| Average equity | $10,451,500 | 5,222 |
| Average total loans | $62,106,500 | 5,208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 2,151 |
| Cost of funding earning assets | 2.2312% | 2,661 |
| Net interest margin | 3.7769% | 3,644 |
| Noninterest income to average assets | 0.6457% | 3,376 |
| Noninterest expense to average assets | 3.4785% | 2,406 |
| Loan and lease loss provision to assets | 0.1745% | 5,307 |
| Net operating income to assets | 0.2701% | 5,013 |
| Return on assets (ROA) | 0.3781% | 4,692 |
| Pretax return on assets | 0.6224% | 4,261 |
| Return on Equity (ROE) | 2.4946% | 5,102 |
| Retained earnings to average equity (ytd only) | 2.4946% | 3,944 |
| Net charge-offs to loans | 0.2214% | 4,115 |
| Credit loss provision to net charge-offs | 88.2353% | 4,974 |
| Earnings coverage of net charge-offs (x) | 3.1765% | 3,533 |
| Efficiency ratio | 84.7025% | 2,396 |
| Assets per employee ($millions) | 2.8929% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,209 |
| Loan loss allowance to noncurrent loans | 30.9773% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 3.4985% | 1,778 |
| Noncurrent loans to loans | 3.7392% | 1,853 |
| Net loans and leases to total assets | 87.2632% | 289 |
| Net loans and leases to deposits | 114.9182% | 364 |
| Net loans and leases to core deposits | 141.8909% | 936 |
| Total domestic deposits to total assets | 75.9351% | 6,565 |
| Equity capital to assets | 15.1133% | 1,009 |
| Core capital (leverage) ratio | 15.1175% | 894 |
| Tier 1 risk-based capital ratio | 20.1157% | 1,558 |
| Total risk-based capital ratio | 21.3652% | 1,521 |
| Memoranda: | ||
| Average total assets | $68,764,330 | 6,121 |
| Average earning assets | $63,015,000 | 6,114 |
| Average equity | $10,422,330 | 5,234 |
| Average total loans | $61,427,000 | 5,270 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1172% | 1,882 |
| Cost of funding earning assets | 2.2413% | 2,954 |
| Net interest margin | 3.8759% | 3,158 |
| Noninterest income to average assets | 0.3156% | 5,917 |
| Noninterest expense to average assets | 3.4604% | 2,202 |
| Loan and lease loss provision to assets | 0.1403% | 5,152 |
| Net operating income to assets | 0.1571% | 5,799 |
| Return on assets (ROA) | 0.3741% | 5,147 |
| Pretax return on assets | 0.6021% | 4,742 |
| Return on Equity (ROE) | 2.4646% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.4646% | 4,502 |
| Net charge-offs to loans | 0.0455% | 4,841 |
| Credit loss provision to net charge-offs | 342.8571% | 1,464 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 2,009 |
| Efficiency ratio | 89.5613% | 1,759 |
| Assets per employee ($millions) | 2.8465% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 4,713 |
| Loan loss allowance to noncurrent loans | 45.0489% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.6011% | 2,200 |
| Noncurrent loans to loans | 2.6934% | 2,439 |
| Net loans and leases to total assets | 87.8332% | 282 |
| Net loans and leases to deposits | 117.7769% | 340 |
| Net loans and leases to core deposits | 146.1291% | 857 |
| Total domestic deposits to total assets | 74.5759% | 6,788 |
| Equity capital to assets | 15.2568% | 1,026 |
| Core capital (leverage) ratio | 15.2658% | 909 |
| Tier 1 risk-based capital ratio | 20.4694% | 1,527 |
| Total risk-based capital ratio | 21.7194% | 1,499 |
| Memoranda: | ||
| Average total assets | $68,432,000 | 6,161 |
| Average earning assets | $62,643,000 | 6,152 |
| Average equity | $10,387,000 | 5,266 |
| Average total loans | $61,492,500 | 5,305 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6389% | 2,296 |
| Cost of funding earning assets | 2.6565% | 3,389 |
| Net interest margin | 3.9824% | 3,205 |
| Noninterest income to average assets | 0.2247% | 6,835 |
| Noninterest expense to average assets | 3.4114% | 2,640 |
| Loan and lease loss provision to assets | 0.2157% | 4,731 |
| Net operating income to assets | 0.1620% | 5,953 |
| Return on assets (ROA) | 0.2157% | 5,621 |
| Pretax return on assets | 0.3401% | 5,416 |
| Return on Equity (ROE) | 1.4007% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.4007% | 4,375 |
| Net charge-offs to loans | 0.2144% | 4,065 |
| Credit loss provision to net charge-offs | 112.5000% | 4,790 |
| Earnings coverage of net charge-offs (x) | 2.4609% | 4,845 |
| Efficiency ratio | 87.8472% | 1,692 |
| Assets per employee ($millions) | 2.8561% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 4,861 |
| Loan loss allowance to noncurrent loans | 53.0928% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 1.9811% | 2,486 |
| Noncurrent loans to loans | 2.1818% | 2,529 |
| Net loans and leases to total assets | 89.7516% | 213 |
| Net loans and leases to deposits | 129.3648% | 221 |
| Net loans and leases to core deposits | 157.1443% | 639 |
| Total domestic deposits to total assets | 69.3787% | 7,342 |
| Equity capital to assets | 15.1006% | 1,136 |
| Core capital (leverage) ratio | 15.1186% | 1,002 |
| Tier 1 risk-based capital ratio | 20.3962% | 1,551 |
| Total risk-based capital ratio | 21.6455% | 1,519 |
| Memoranda: | ||
| Average total assets | $66,747,400 | 6,135 |
| Average earning assets | $61,320,400 | 6,119 |
| Average equity | $10,280,600 | 5,325 |
| Average total loans | $59,689,000 | 5,283 |