Home > Saints Avenue Bank > Performance and Condition Ratios
Saints Avenue Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 1,270 |
| Cost of funding earning assets | 0.5119% | 1,136 |
| Net interest margin | 3.6326% | 1,513 |
| Noninterest income to average assets | 0.3069% | 3,595 |
| Noninterest expense to average assets | 3.7939% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1297% | 4,812 |
| Return on assets (ROA) | -0.1297% | 4,819 |
| Pretax return on assets | -0.1297% | 4,813 |
| Return on Equity (ROE) | -1.6673% | 4,837 |
| Retained earnings to average equity (ytd only) | -1.6673% | 4,656 |
| Net charge-offs to loans | -0.1553% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5406% | 139 |
| Assets per employee ($millions) | 4.8927% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1147% | 4,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.0933% | 1,567 |
| Net loans and leases to deposits | 77.8776% | 1,643 |
| Net loans and leases to core deposits | 82.8006% | 1,654 |
| Total domestic deposits to total assets | 86.1521% | 2,684 |
| Equity capital to assets | 9.0653% | 3,746 |
| Core capital (leverage) ratio | 6.7201% | 4,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.7953% | 3,099 |
| Memoranda: | ||
| Average total assets | $126,413,000 | 3,776 |
| Average earning assets | $116,829,667 | 3,777 |
| Average equity | $9,836,000 | 4,220 |
| Average total loans | $86,299,667 | 3,452 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 975 |
| Cost of funding earning assets | 0.5549% | 1,072 |
| Net interest margin | 3.7893% | 1,161 |
| Noninterest income to average assets | 0.1746% | 4,322 |
| Noninterest expense to average assets | 2.8314% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8761% | 3,190 |
| Return on assets (ROA) | 0.8761% | 3,273 |
| Pretax return on assets | 0.8761% | 3,654 |
| Return on Equity (ROE) | 12.2830% | 1,915 |
| Retained earnings to average equity (ytd only) | 12.2830% | 1,081 |
| Net charge-offs to loans | -0.0046% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3699% | 1,100 |
| Assets per employee ($millions) | 4.8061% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.4937% | 1,360 |
| Net loans and leases to deposits | 79.6117% | 1,559 |
| Net loans and leases to core deposits | 84.8442% | 1,602 |
| Total domestic deposits to total assets | 87.2909% | 2,185 |
| Equity capital to assets | 7.3017% | 4,777 |
| Core capital (leverage) ratio | 7.1388% | 4,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3865% | 3,025 |
| Memoranda: | ||
| Average total assets | $126,014,000 | 3,784 |
| Average earning assets | $117,490,000 | 3,769 |
| Average equity | $8,988,000 | 4,336 |
| Average total loans | $86,725,500 | 3,457 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 994 |
| Cost of funding earning assets | 0.8210% | 1,127 |
| Net interest margin | 3.8296% | 1,422 |
| Noninterest income to average assets | 0.4274% | 2,978 |
| Noninterest expense to average assets | 3.5007% | 689 |
| Loan and lease loss provision to assets | 0.1569% | 2,408 |
| Net operating income to assets | 0.3121% | 4,417 |
| Return on assets (ROA) | 0.3121% | 4,488 |
| Pretax return on assets | 0.3121% | 4,529 |
| Return on Equity (ROE) | 4.2277% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.2277% | 2,697 |
| Net charge-offs to loans | 0.2815% | 610 |
| Credit loss provision to net charge-offs | 74.7934% | 3,020 |
| Earnings coverage of net charge-offs (x) | 2.2355% | 3,182 |
| Efficiency ratio | 88.1852% | 437 |
| Assets per employee ($millions) | 4.3817% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.9474% | 1,960 |
| Net loans and leases to deposits | 76.4063% | 2,238 |
| Net loans and leases to core deposits | 81.3623% | 2,246 |
| Total domestic deposits to total assets | 87.6202% | 1,646 |
| Equity capital to assets | 6.9662% | 4,918 |
| Core capital (leverage) ratio | 7.0835% | 4,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4272% | 3,094 |
| Memoranda: | ||
| Average total assets | $115,349,400 | 3,804 |
| Average earning assets | $106,695,000 | 3,818 |
| Average equity | $8,515,200 | 4,370 |
| Average total loans | $85,954,800 | 3,469 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 1,085 |
| Cost of funding earning assets | 0.8744% | 1,157 |
| Net interest margin | 3.8177% | 1,572 |
| Noninterest income to average assets | 0.4685% | 2,751 |
| Noninterest expense to average assets | 3.5782% | 634 |
| Loan and lease loss provision to assets | 0.2028% | 1,974 |
| Net operating income to assets | 0.2004% | 4,595 |
| Return on assets (ROA) | 0.2004% | 4,638 |
| Pretax return on assets | 0.2087% | 4,649 |
| Return on Equity (ROE) | 2.6726% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.6726% | 3,659 |
| Net charge-offs to loans | 0.4218% | 379 |
| Credit loss provision to net charge-offs | 62.8676% | 2,839 |
| Earnings coverage of net charge-offs (x) | 1.2757% | 3,081 |
| Efficiency ratio | 89.6849% | 371 |
| Assets per employee ($millions) | 4.1011% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 4,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.7875% | 1,402 |
| Net loans and leases to deposits | 85.0120% | 1,811 |
| Net loans and leases to core deposits | 94.9669% | 1,545 |
| Total domestic deposits to total assets | 86.7967% | 1,735 |
| Equity capital to assets | 7.2731% | 4,911 |
| Core capital (leverage) ratio | 7.2063% | 4,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4892% | 3,115 |
| Memoranda: | ||
| Average total assets | $112,419,250 | 3,843 |
| Average earning assets | $103,689,000 | 3,851 |
| Average equity | $8,431,000 | 4,399 |
| Average total loans | $85,983,250 | 3,484 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 1,153 |
| Cost of funding earning assets | 0.9233% | 1,265 |
| Net interest margin | 3.8859% | 1,605 |
| Noninterest income to average assets | 0.4281% | 2,922 |
| Noninterest expense to average assets | 3.6785% | 594 |
| Loan and lease loss provision to assets | 0.0726% | 3,396 |
| Net operating income to assets | 0.2394% | 4,522 |
| Return on assets (ROA) | 0.2394% | 4,562 |
| Pretax return on assets | 0.2576% | 4,581 |
| Return on Equity (ROE) | 3.1535% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.1535% | 3,323 |
| Net charge-offs to loans | 0.0799% | 1,450 |
| Credit loss provision to net charge-offs | 117.6471% | 2,299 |
| Earnings coverage of net charge-offs (x) | 5.3529% | 2,518 |
| Efficiency ratio | 91.7647% | 347 |
| Assets per employee ($millions) | 4.0947% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,881 |
| Loan loss allowance to noncurrent loans | 391.5888% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,631 |
| Noncurrent loans to loans | 0.2373% | 3,525 |
| Net loans and leases to total assets | 75.2381% | 1,241 |
| Net loans and leases to deposits | 86.6390% | 1,700 |
| Net loans and leases to core deposits | 91.4435% | 1,950 |
| Total domestic deposits to total assets | 86.8409% | 1,686 |
| Equity capital to assets | 7.2507% | 4,934 |
| Core capital (leverage) ratio | 7.2722% | 4,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7680% | 3,181 |
| Memoranda: | ||
| Average total assets | $110,262,000 | 3,864 |
| Average earning assets | $101,597,333 | 3,868 |
| Average equity | $8,371,667 | 4,424 |
| Average total loans | $85,148,333 | 3,496 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 964 |
| Cost of funding earning assets | 1.0300% | 1,296 |
| Net interest margin | 3.9723% | 1,468 |
| Noninterest income to average assets | 0.4037% | 3,068 |
| Noninterest expense to average assets | 3.5767% | 840 |
| Loan and lease loss provision to assets | 0.0755% | 2,786 |
| Net operating income to assets | 0.3773% | 4,182 |
| Return on assets (ROA) | 0.3773% | 4,217 |
| Pretax return on assets | 0.4037% | 4,289 |
| Return on Equity (ROE) | 4.8470% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.8470% | 2,344 |
| Net charge-offs to loans | 0.1646% | 800 |
| Credit loss provision to net charge-offs | 58.8235% | 2,022 |
| Earnings coverage of net charge-offs (x) | 3.7353% | 2,189 |
| Efficiency ratio | 88.1860% | 577 |
| Assets per employee ($millions) | 3.6921% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 3,912 |
| Loan loss allowance to noncurrent loans | 459.5506% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 3,834 |
| Noncurrent loans to loans | 0.2079% | 3,735 |
| Net loans and leases to total assets | 79.1934% | 792 |
| Net loans and leases to deposits | 92.0423% | 1,275 |
| Net loans and leases to core deposits | 97.7915% | 1,652 |
| Total domestic deposits to total assets | 86.0402% | 1,984 |
| Equity capital to assets | 7.7761% | 5,006 |
| Core capital (leverage) ratio | 7.6027% | 5,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1882% | 3,385 |
| Memoranda: | ||
| Average total assets | $106,019,500 | 3,903 |
| Average earning assets | $97,475,500 | 3,905 |
| Average equity | $8,252,500 | 4,464 |
| Average total loans | $82,632,000 | 3,540 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 1,512 |
| Cost of funding earning assets | 1.0257% | 1,620 |
| Net interest margin | 3.9630% | 1,961 |
| Noninterest income to average assets | 0.5534% | 2,452 |
| Noninterest expense to average assets | 3.5645% | 886 |
| Loan and lease loss provision to assets | 0.1970% | 1,032 |
| Net operating income to assets | 0.3982% | 4,591 |
| Return on assets (ROA) | 0.3982% | 4,626 |
| Pretax return on assets | 0.3982% | 4,709 |
| Return on Equity (ROE) | 4.8766% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.8766% | 2,483 |
| Net charge-offs to loans | 0.0987% | 1,737 |
| Credit loss provision to net charge-offs | 255.5556% | 1,071 |
| Earnings coverage of net charge-offs (x) | 7.7222% | 2,850 |
| Efficiency ratio | 85.6922% | 560 |
| Assets per employee ($millions) | 4.1987% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,254 |
| Loan loss allowance to noncurrent loans | 364.9123% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,590 |
| Noncurrent loans to loans | 0.2862% | 3,417 |
| Net loans and leases to total assets | 75.0903% | 1,572 |
| Net loans and leases to deposits | 87.4815% | 1,915 |
| Net loans and leases to core deposits | 93.0732% | 2,153 |
| Total domestic deposits to total assets | 85.8355% | 2,125 |
| Equity capital to assets | 7.7920% | 5,082 |
| Core capital (leverage) ratio | 8.3686% | 4,914 |
| Tier 1 risk-based capital ratio | 9.7360% | 5,146 |
| Total risk-based capital ratio | 10.7500% | 5,141 |
| Memoranda: | ||
| Average total assets | $93,420,400 | 4,090 |
| Average earning assets | $85,012,200 | 4,111 |
| Average equity | $7,628,200 | 4,552 |
| Average total loans | $72,917,800 | 3,721 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 1,433 |
| Cost of funding earning assets | 1.0475% | 1,548 |
| Net interest margin | 3.9968% | 1,949 |
| Noninterest income to average assets | 0.6053% | 2,175 |
| Noninterest expense to average assets | 3.6111% | 837 |
| Loan and lease loss provision to assets | 0.2474% | 665 |
| Net operating income to assets | 0.3711% | 4,767 |
| Return on assets (ROA) | 0.3711% | 4,791 |
| Pretax return on assets | 0.3711% | 4,838 |
| Return on Equity (ROE) | 4.4855% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.4855% | 3,151 |
| Net charge-offs to loans | 0.1460% | 1,109 |
| Credit loss provision to net charge-offs | 215.3846% | 1,240 |
| Earnings coverage of net charge-offs (x) | 5.3845% | 2,927 |
| Efficiency ratio | 85.3760% | 531 |
| Assets per employee ($millions) | 3.4626% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,146 |
| Loan loss allowance to noncurrent loans | 355.2632% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 3,592 |
| Noncurrent loans to loans | 0.3029% | 3,450 |
| Net loans and leases to total assets | 79.6470% | 894 |
| Net loans and leases to deposits | 94.4733% | 1,182 |
| Net loans and leases to core deposits | 101.4372% | 1,551 |
| Total domestic deposits to total assets | 84.3063% | 2,710 |
| Equity capital to assets | 8.6073% | 4,962 |
| Core capital (leverage) ratio | 8.5394% | 4,927 |
| Tier 1 risk-based capital ratio | 10.0555% | 5,181 |
| Total risk-based capital ratio | 11.0904% | 5,177 |
| Memoranda: | ||
| Average total assets | $90,533,750 | 4,191 |
| Average earning assets | $82,096,250 | 4,206 |
| Average equity | $7,490,500 | 4,625 |
| Average total loans | $71,234,250 | 3,796 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 1,578 |
| Cost of funding earning assets | 1.0154% | 1,625 |
| Net interest margin | 3.9484% | 2,099 |
| Noninterest income to average assets | 0.6209% | 2,061 |
| Noninterest expense to average assets | 3.6338% | 812 |
| Loan and lease loss provision to assets | 0.2479% | 624 |
| Net operating income to assets | 0.3171% | 4,855 |
| Return on assets (ROA) | 0.3171% | 4,865 |
| Pretax return on assets | 0.3171% | 4,915 |
| Return on Equity (ROE) | 3.8877% | 4,617 |
| Retained earnings to average equity (ytd only) | 3.8877% | 3,301 |
| Net charge-offs to loans | 0.1889% | 880 |
| Credit loss provision to net charge-offs | 168.1818% | 1,373 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 2,793 |
| Efficiency ratio | 86.5426% | 516 |
| Assets per employee ($millions) | 3.6331% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,277 |
| Loan loss allowance to noncurrent loans | 335.5263% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 3,568 |
| Noncurrent loans to loans | 0.3164% | 3,404 |
| Net loans and leases to total assets | 78.4890% | 1,125 |
| Net loans and leases to deposits | 89.3448% | 1,818 |
| Net loans and leases to core deposits | 96.1728% | 2,052 |
| Total domestic deposits to total assets | 87.8496% | 1,170 |
| Equity capital to assets | 8.4522% | 5,059 |
| Core capital (leverage) ratio | 8.3728% | 5,025 |
| Tier 1 risk-based capital ratio | 9.9411% | 5,236 |
| Total risk-based capital ratio | 10.9537% | 5,237 |
| Memoranda: | ||
| Average total assets | $89,548,330 | 4,231 |
| Average earning assets | $81,147,000 | 4,245 |
| Average equity | $7,305,000 | 4,680 |
| Average total loans | $69,888,330 | 3,841 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 1,710 |
| Cost of funding earning assets | 0.9184% | 1,924 |
| Net interest margin | 3.9468% | 2,033 |
| Noninterest income to average assets | 0.5399% | 2,339 |
| Noninterest expense to average assets | 3.6712% | 777 |
| Loan and lease loss provision to assets | 0.0675% | 2,321 |
| Net operating income to assets | 0.3779% | 4,773 |
| Return on assets (ROA) | 0.3779% | 4,783 |
| Pretax return on assets | 0.3779% | 4,867 |
| Return on Equity (ROE) | 4.7198% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.7198% | 3,033 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1803% | 427 |
| Assets per employee ($millions) | 3.5720% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,546 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.6643% | 1,213 |
| Net loans and leases to deposits | 85.1065% | 2,240 |
| Net loans and leases to core deposits | 91.4588% | 2,350 |
| Total domestic deposits to total assets | 91.2554% | 126 |
| Equity capital to assets | 8.1903% | 5,129 |
| Core capital (leverage) ratio | 8.4086% | 5,058 |
| Tier 1 risk-based capital ratio | 10.0142% | 5,283 |
| Total risk-based capital ratio | 11.0076% | 5,287 |
| Memoranda: | ||
| Average total assets | $88,908,500 | 4,279 |
| Average earning assets | $80,571,000 | 4,297 |
| Average equity | $7,119,000 | 4,737 |
| Average total loans | $68,805,000 | 3,896 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,800 |
| Cost of funding earning assets | 0.6778% | 2,227 |
| Net interest margin | 4.0294% | 1,893 |
| Noninterest income to average assets | 0.6419% | 2,079 |
| Noninterest expense to average assets | 3.7838% | 702 |
| Loan and lease loss provision to assets | 0.0951% | 2,254 |
| Net operating income to assets | 0.3781% | 4,894 |
| Return on assets (ROA) | 0.3781% | 4,892 |
| Pretax return on assets | 0.3781% | 4,959 |
| Return on Equity (ROE) | 4.6626% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.6626% | 2,951 |
| Net charge-offs to loans | 0.0586% | 2,303 |
| Credit loss provision to net charge-offs | 213.5135% | 1,354 |
| Earnings coverage of net charge-offs (x) | 10.6216% | 2,701 |
| Efficiency ratio | 88.8826% | 393 |
| Assets per employee ($millions) | 3.6882% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.4666% | 1,703 |
| Net loans and leases to deposits | 82.4946% | 2,677 |
| Net loans and leases to core deposits | 88.6894% | 2,684 |
| Total domestic deposits to total assets | 91.4806% | 122 |
| Equity capital to assets | 7.8223% | 5,214 |
| Core capital (leverage) ratio | 8.2828% | 5,128 |
| Tier 1 risk-based capital ratio | 9.9282% | 5,324 |
| Total risk-based capital ratio | 10.9385% | 5,325 |
| Memoranda: | ||
| Average total assets | $83,037,400 | 4,377 |
| Average earning assets | $74,502,400 | 4,410 |
| Average equity | $6,734,400 | 4,788 |
| Average total loans | $63,109,000 | 4,021 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,791 |
| Cost of funding earning assets | 0.6182% | 2,355 |
| Net interest margin | 4.0427% | 1,812 |
| Noninterest income to average assets | 0.6677% | 1,986 |
| Noninterest expense to average assets | 3.8170% | 653 |
| Loan and lease loss provision to assets | 0.1110% | 1,818 |
| Net operating income to assets | 0.3592% | 5,013 |
| Return on assets (ROA) | 0.3592% | 5,012 |
| Pretax return on assets | 0.3592% | 5,076 |
| Return on Equity (ROE) | 4.3866% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.3866% | 3,563 |
| Net charge-offs to loans | 0.1032% | 1,455 |
| Credit loss provision to net charge-offs | 141.6667% | 1,783 |
| Earnings coverage of net charge-offs (x) | 5.9998% | 2,925 |
| Efficiency ratio | 89.0327% | 361 |
| Assets per employee ($millions) | 3.4499% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.7857% | 1,375 |
| Net loans and leases to deposits | 89.8532% | 1,927 |
| Net loans and leases to core deposits | 99.3046% | 1,846 |
| Total domestic deposits to total assets | 86.5697% | 1,935 |
| Equity capital to assets | 8.1934% | 5,093 |
| Core capital (leverage) ratio | 8.4150% | 5,136 |
| Tier 1 risk-based capital ratio | 10.2158% | 5,326 |
| Total risk-based capital ratio | 11.2373% | 5,335 |
| Memoranda: | ||
| Average total assets | $81,667,750 | 4,447 |
| Average earning assets | $73,117,000 | 4,482 |
| Average equity | $6,687,000 | 4,849 |
| Average total loans | $62,006,250 | 4,084 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 1,946 |
| Cost of funding earning assets | 0.5459% | 2,642 |
| Net interest margin | 4.0008% | 1,858 |
| Noninterest income to average assets | 0.6643% | 2,032 |
| Noninterest expense to average assets | 3.8750% | 626 |
| Loan and lease loss provision to assets | 0.0615% | 2,673 |
| Net operating income to assets | 0.2977% | 5,116 |
| Return on assets (ROA) | 0.2977% | 5,111 |
| Pretax return on assets | 0.2977% | 5,166 |
| Return on Equity (ROE) | 3.6365% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.6365% | 3,776 |
| Net charge-offs to loans | 0.0951% | 1,397 |
| Credit loss provision to net charge-offs | 86.2069% | 2,202 |
| Earnings coverage of net charge-offs (x) | 5.0345% | 2,748 |
| Efficiency ratio | 91.5166% | 321 |
| Assets per employee ($millions) | 3.7616% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 76.9512% | 1,473 |
| Net loans and leases to deposits | 88.5368% | 2,044 |
| Net loans and leases to core deposits | 97.4312% | 1,930 |
| Total domestic deposits to total assets | 86.9144% | 1,875 |
| Equity capital to assets | 8.0950% | 5,192 |
| Core capital (leverage) ratio | 8.4474% | 5,144 |
| Tier 1 risk-based capital ratio | 10.0964% | 5,407 |
| Total risk-based capital ratio | 11.0852% | 5,414 |
| Memoranda: | ||
| Average total assets | $81,291,000 | 4,494 |
| Average earning assets | $72,535,670 | 4,538 |
| Average equity | $6,654,670 | 4,899 |
| Average total loans | $60,974,000 | 4,142 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 1,806 |
| Cost of funding earning assets | 0.5210% | 2,624 |
| Net interest margin | 3.9997% | 1,729 |
| Noninterest income to average assets | 0.6455% | 2,050 |
| Noninterest expense to average assets | 3.9077% | 584 |
| Loan and lease loss provision to assets | 0.1241% | 1,516 |
| Net operating income to assets | 0.1589% | 5,283 |
| Return on assets (ROA) | 0.1589% | 5,279 |
| Pretax return on assets | 0.1589% | 5,298 |
| Return on Equity (ROE) | 1.9299% | 5,192 |
| Retained earnings to average equity (ytd only) | 1.9299% | 4,372 |
| Net charge-offs to loans | 0.1282% | 1,030 |
| Credit loss provision to net charge-offs | 131.5789% | 1,325 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,415 |
| Efficiency ratio | 93.2464% | 324 |
| Assets per employee ($millions) | 3.3300% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 74.6450% | 1,766 |
| Net loans and leases to deposits | 81.9048% | 2,609 |
| Net loans and leases to core deposits | 92.0960% | 2,299 |
| Total domestic deposits to total assets | 91.1362% | 278 |
| Equity capital to assets | 8.2894% | 5,113 |
| Core capital (leverage) ratio | 8.2647% | 5,283 |
| Tier 1 risk-based capital ratio | 10.4664% | 5,358 |
| Total risk-based capital ratio | 11.5203% | 5,350 |
| Memoranda: | ||
| Average total assets | $80,559,000 | 4,554 |
| Average earning assets | $71,406,000 | 4,610 |
| Average equity | $6,632,500 | 4,953 |
| Average total loans | $59,283,500 | 4,215 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 2,411 |
| Cost of funding earning assets | 0.4103% | 3,155 |
| Net interest margin | 3.8650% | 2,207 |
| Noninterest income to average assets | 0.6897% | 2,008 |
| Noninterest expense to average assets | 4.1696% | 433 |
| Loan and lease loss provision to assets | 0.1968% | 1,060 |
| Net operating income to assets | 0.0445% | 5,309 |
| Return on assets (ROA) | 0.0454% | 5,316 |
| Pretax return on assets | -0.2395% | 5,507 |
| Return on Equity (ROE) | 0.5257% | 5,305 |
| Retained earnings to average equity (ytd only) | 0.5257% | 4,822 |
| Net charge-offs to loans | -0.0133% | 4,861 |
| Credit loss provision to net charge-offs | -2,042.8571% | 5,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0677% | 159 |
| Assets per employee ($millions) | 3.3832% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.8758% | 2,383 |
| Net loans and leases to deposits | 77.7227% | 3,148 |
| Net loans and leases to core deposits | 87.2100% | 2,799 |
| Total domestic deposits to total assets | 91.1906% | 199 |
| Equity capital to assets | 8.1776% | 5,314 |
| Core capital (leverage) ratio | 8.6148% | 5,028 |
| Tier 1 risk-based capital ratio | 10.9316% | 5,188 |
| Total risk-based capital ratio | 12.0263% | 5,155 |
| Memoranda: | ||
| Average total assets | $72,645,400 | 4,732 |
| Average earning assets | $64,579,200 | 4,775 |
| Average equity | $6,277,600 | 5,061 |
| Average total loans | $52,571,000 | 4,396 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 2,236 |
| Cost of funding earning assets | 0.3014% | 4,110 |
| Net interest margin | 4.0088% | 1,670 |
| Noninterest income to average assets | 0.6845% | 2,066 |
| Noninterest expense to average assets | 4.0033% | 519 |
| Loan and lease loss provision to assets | 0.2610% | 647 |
| Net operating income to assets | 0.3839% | 5,027 |
| Return on assets (ROA) | 0.3839% | 5,058 |
| Pretax return on assets | -0.0076% | 5,515 |
| Return on Equity (ROE) | 4.3747% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.3747% | 3,296 |
| Net charge-offs to loans | -0.0209% | 4,859 |
| Credit loss provision to net charge-offs | -1,725.0000% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0471% | 283 |
| Assets per employee ($millions) | 3.1627% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,136 |
| Loan loss allowance to noncurrent loans | 8,425.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 5,198 |
| Noncurrent loans to loans | 0.0138% | 5,084 |
| Net loans and leases to total assets | 75.5705% | 1,670 |
| Net loans and leases to deposits | 91.5462% | 1,618 |
| Net loans and leases to core deposits | 99.6629% | 1,730 |
| Total domestic deposits to total assets | 82.5490% | 3,604 |
| Equity capital to assets | 8.6741% | 5,167 |
| Core capital (leverage) ratio | 8.8303% | 4,933 |
| Tier 1 risk-based capital ratio | 11.0085% | 5,242 |
| Total risk-based capital ratio | 12.1277% | 5,206 |
| Memoranda: | ||
| Average total assets | $70,507,500 | 4,817 |
| Average earning assets | $62,826,500 | 4,857 |
| Average equity | $6,187,000 | 5,127 |
| Average total loans | $51,157,250 | 4,470 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 2,541 |
| Cost of funding earning assets | 0.2354% | 4,681 |
| Net interest margin | 3.9462% | 1,794 |
| Noninterest income to average assets | 0.7102% | 1,943 |
| Noninterest expense to average assets | 3.9151% | 589 |
| Loan and lease loss provision to assets | 0.3260% | 453 |
| Net operating income to assets | 0.5861% | 4,364 |
| Return on assets (ROA) | 0.5880% | 4,410 |
| Pretax return on assets | -0.0146% | 5,552 |
| Return on Equity (ROE) | 6.6725% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.6725% | 1,753 |
| Net charge-offs to loans | -0.0327% | 4,998 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6947% | 341 |
| Assets per employee ($millions) | 3.2426% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,236 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,007 |
| Noncurrent loans to loans | 0.0161% | 5,108 |
| Net loans and leases to total assets | 73.8925% | 1,889 |
| Net loans and leases to deposits | 87.4885% | 2,045 |
| Net loans and leases to core deposits | 95.2010% | 2,055 |
| Total domestic deposits to total assets | 84.4596% | 3,026 |
| Equity capital to assets | 8.8214% | 5,053 |
| Core capital (leverage) ratio | 9.5358% | 4,095 |
| Tier 1 risk-based capital ratio | 10.4466% | 5,480 |
| Total risk-based capital ratio | 11.4678% | 5,506 |
| Memoranda: | ||
| Average total assets | $68,708,670 | 4,881 |
| Average earning assets | $61,173,000 | 4,918 |
| Average equity | $6,054,670 | 5,183 |
| Average total loans | $48,864,670 | 4,557 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 2,798 |
| Cost of funding earning assets | 0.2058% | 4,923 |
| Net interest margin | 3.8547% | 1,940 |
| Noninterest income to average assets | 0.6325% | 2,256 |
| Noninterest expense to average assets | 4.0564% | 507 |
| Loan and lease loss provision to assets | 0.2372% | 649 |
| Net operating income to assets | -0.2433% | 5,686 |
| Return on assets (ROA) | -0.2433% | 5,687 |
| Pretax return on assets | -0.2433% | 5,675 |
| Return on Equity (ROE) | -2.7622% | 5,703 |
| Retained earnings to average equity (ytd only) | -2.7622% | 5,240 |
| Net charge-offs to loans | 0.0176% | 2,435 |
| Credit loss provision to net charge-offs | 1,950.0000% | 175 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 2,870 |
| Efficiency ratio | 100.1502% | 221 |
| Assets per employee ($millions) | 3.3532% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,378 |
| Loan loss allowance to noncurrent loans | 7,062.5000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 5,055 |
| Noncurrent loans to loans | 0.0164% | 5,170 |
| Net loans and leases to total assets | 72.0084% | 2,075 |
| Net loans and leases to deposits | 85.7668% | 2,056 |
| Net loans and leases to core deposits | 85.7668% | 2,739 |
| Total domestic deposits to total assets | 83.9584% | 3,492 |
| Equity capital to assets | 8.6456% | 5,113 |
| Core capital (leverage) ratio | 8.9684% | 4,777 |
| Tier 1 risk-based capital ratio | 10.6385% | 5,490 |
| Total risk-based capital ratio | 11.6611% | 5,502 |
| Memoranda: | ||
| Average total assets | $65,773,000 | 4,985 |
| Average earning assets | $58,318,500 | 5,042 |
| Average equity | $5,792,500 | 5,267 |
| Average total loans | $45,418,500 | 4,692 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,285 |
| Cost of funding earning assets | 0.1957% | 5,059 |
| Net interest margin | 3.7801% | 2,390 |
| Noninterest income to average assets | 0.2822% | 4,724 |
| Noninterest expense to average assets | 3.6475% | 949 |
| Loan and lease loss provision to assets | 0.4502% | 316 |
| Net operating income to assets | -1.6378% | 5,871 |
| Return on assets (ROA) | -1.6247% | 5,873 |
| Pretax return on assets | -0.5253% | 5,783 |
| Return on Equity (ROE) | -17.4952% | 5,870 |
| Retained earnings to average equity (ytd only) | -20.2529% | 5,860 |
| Net charge-offs to loans | 0.1328% | 1,918 |
| Credit loss provision to net charge-offs | 501.8182% | 660 |
| Earnings coverage of net charge-offs (x) | -0.9818% | 4,169 |
| Efficiency ratio | 102.4748% | 193 |
| Assets per employee ($millions) | 2.8036% | 5,487 |
| Cash dividends to net income (ytd only)* | -15.7631% | 5,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 5,150 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 64.2852% | 3,318 |
| Net loans and leases to deposits | 71.0176% | 3,810 |
| Net loans and leases to core deposits | 71.0176% | 4,147 |
| Total domestic deposits to total assets | 90.5200% | 445 |
| Equity capital to assets | 8.9745% | 4,845 |
| Core capital (leverage) ratio | 9.8043% | 3,742 |
| Tier 1 risk-based capital ratio | 11.8871% | 4,803 |
| Total risk-based capital ratio | 12.9477% | 4,831 |
| Memoranda: | ||
| Average total assets | $61,303,000 | 5,110 |
| Average earning assets | $53,146,600 | 5,184 |
| Average equity | $5,693,000 | 5,331 |
| Average total loans | $41,418,400 | 4,835 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,048 |
| Cost of funding earning assets | 0.2020% | 5,048 |
| Net interest margin | 3.8452% | 2,177 |
| Noninterest income to average assets | 0.3019% | 4,610 |
| Noninterest expense to average assets | 3.6071% | 986 |
| Loan and lease loss provision to assets | 0.6038% | 192 |
| Net operating income to assets | -2.0801% | 5,947 |
| Return on assets (ROA) | -2.0625% | 5,947 |
| Pretax return on assets | -0.5773% | 5,862 |
| Return on Equity (ROE) | -22.0120% | 5,946 |
| Retained earnings to average equity (ytd only) | -25.7042% | 5,932 |
| Net charge-offs to loans | 0.0291% | 3,080 |
| Credit loss provision to net charge-offs | 3,044.4444% | 167 |
| Earnings coverage of net charge-offs (x) | 0.4442% | 3,787 |
| Efficiency ratio | 99.7562% | 228 |
| Assets per employee ($millions) | 3.2523% | 5,106 |
| Cash dividends to net income (ytd only)* | -16.7736% | 5,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 2,292 |
| Loan loss allowance to noncurrent loans | 9,533.3333% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 2,844 |
| Noncurrent loans to loans | 0.0145% | 5,341 |
| Net loans and leases to total assets | 69.8365% | 2,511 |
| Net loans and leases to deposits | 78.2165% | 3,164 |
| Net loans and leases to core deposits | 78.2165% | 3,647 |
| Total domestic deposits to total assets | 89.2861% | 761 |
| Equity capital to assets | 10.1877% | 3,931 |
| Core capital (leverage) ratio | 10.1611% | 3,369 |
| Tier 1 risk-based capital ratio | 12.5178% | 4,462 |
| Total risk-based capital ratio | 13.7156% | 4,392 |
| Memoranda: | ||
| Average total assets | $60,508,000 | 5,176 |
| Average earning assets | $52,150,250 | 5,255 |
| Average equity | $5,669,500 | 5,393 |
| Average total loans | $41,277,750 | 4,879 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 3,189 |
| Cost of funding earning assets | 0.2015% | 5,120 |
| Net interest margin | 3.8135% | 2,258 |
| Noninterest income to average assets | 0.6278% | 2,471 |
| Noninterest expense to average assets | 3.4269% | 1,325 |
| Loan and lease loss provision to assets | 0.0262% | 3,610 |
| Net operating income to assets | 0.3630% | 5,143 |
| Return on assets (ROA) | 0.3630% | 5,236 |
| Pretax return on assets | 0.4545% | 5,235 |
| Return on Equity (ROE) | 3.9847% | 4,920 |
| Retained earnings to average equity (ytd only) | 2.1539% | 4,493 |
| Net charge-offs to loans | -0.0049% | 4,518 |
| Credit loss provision to net charge-offs | -800.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6987% | 741 |
| Assets per employee ($millions) | 3.0009% | 5,433 |
| Cash dividends to net income (ytd only)* | 45.9459% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 5,419 |
| Loan loss allowance to noncurrent loans | 1,975.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 2,129 |
| Noncurrent loans to loans | 0.0378% | 5,313 |
| Net loans and leases to total assets | 70.0418% | 2,478 |
| Net loans and leases to deposits | 79.4035% | 3,013 |
| Net loans and leases to core deposits | 79.4035% | 3,515 |
| Total domestic deposits to total assets | 88.2100% | 1,312 |
| Equity capital to assets | 9.3790% | 4,884 |
| Core capital (leverage) ratio | 8.3466% | 5,493 |
| Tier 1 risk-based capital ratio | 10.0880% | 5,824 |
| Total risk-based capital ratio | 10.7277% | 5,936 |
| Memoranda: | ||
| Average total assets | $61,163,670 | 5,219 |
| Average earning assets | $52,603,000 | 5,299 |
| Average equity | $5,571,330 | 5,465 |
| Average total loans | $41,218,670 | 4,930 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,437 |
| Cost of funding earning assets | 0.2034% | 5,172 |
| Net interest margin | 3.7359% | 2,536 |
| Noninterest income to average assets | 0.6090% | 2,471 |
| Noninterest expense to average assets | 3.4858% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2009% | 5,522 |
| Return on assets (ROA) | 0.2009% | 5,586 |
| Pretax return on assets | 0.3369% | 5,439 |
| Return on Equity (ROE) | 2.2373% | 5,451 |
| Retained earnings to average equity (ytd only) | -0.7217% | 5,238 |
| Net charge-offs to loans | -0.0098% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1864% | 597 |
| Assets per employee ($millions) | 3.0319% | 5,478 |
| Cash dividends to net income (ytd only)* | 132.2581% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 5,501 |
| Loan loss allowance to noncurrent loans | 65.6716% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 1,787 |
| Noncurrent loans to loans | 1.1395% | 2,124 |
| Net loans and leases to total assets | 67.3714% | 2,754 |
| Net loans and leases to deposits | 74.4306% | 3,387 |
| Net loans and leases to core deposits | 74.4306% | 3,848 |
| Total domestic deposits to total assets | 90.5157% | 426 |
| Equity capital to assets | 9.1330% | 5,054 |
| Core capital (leverage) ratio | 7.8918% | 5,816 |
| Tier 1 risk-based capital ratio | 10.1284% | 5,884 |
| Total risk-based capital ratio | 10.7640% | 5,985 |
| Memoranda: | ||
| Average total assets | $61,737,000 | 5,249 |
| Average earning assets | $53,107,000 | 5,340 |
| Average equity | $5,542,500 | 5,506 |
| Average total loans | $40,651,500 | 4,990 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 3,912 |
| Cost of funding earning assets | 0.2028% | 5,261 |
| Net interest margin | 3.6397% | 2,980 |
| Noninterest income to average assets | 0.6898% | 2,251 |
| Noninterest expense to average assets | 3.4408% | 1,406 |
| Loan and lease loss provision to assets | 0.0546% | 3,224 |
| Net operating income to assets | 0.2150% | 5,543 |
| Return on assets (ROA) | 0.2150% | 5,607 |
| Pretax return on assets | 0.3408% | 5,437 |
| Return on Equity (ROE) | 2.3575% | 5,483 |
| Retained earnings to average equity (ytd only) | 1.5414% | 4,842 |
| Net charge-offs to loans | 0.0103% | 4,108 |
| Credit loss provision to net charge-offs | 825.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 59.7500% | 871 |
| Efficiency ratio | 89.6938% | 706 |
| Assets per employee ($millions) | 3.1419% | 5,367 |
| Cash dividends to net income (ytd only)* | 34.6154% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 5,500 |
| Loan loss allowance to noncurrent loans | 219.2857% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 3,086 |
| Noncurrent loans to loans | 0.3488% | 4,218 |
| Net loans and leases to total assets | 63.3958% | 3,360 |
| Net loans and leases to deposits | 69.7873% | 3,947 |
| Net loans and leases to core deposits | 69.7873% | 4,308 |
| Total domestic deposits to total assets | 90.8414% | 321 |
| Equity capital to assets | 8.8276% | 5,285 |
| Core capital (leverage) ratio | 8.6270% | 5,304 |
| Tier 1 risk-based capital ratio | 10.3701% | 5,833 |
| Total risk-based capital ratio | 11.0032% | 5,976 |
| Memoranda: | ||
| Average total assets | $60,451,400 | 5,309 |
| Average earning assets | $52,257,000 | 5,380 |
| Average equity | $5,514,400 | 5,537 |
| Average total loans | $38,727,200 | 5,062 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 3,942 |
| Cost of funding earning assets | 0.2051% | 5,332 |
| Net interest margin | 3.6438% | 2,984 |
| Noninterest income to average assets | 0.7596% | 1,982 |
| Noninterest expense to average assets | 3.5463% | 1,207 |
| Loan and lease loss provision to assets | 0.0601% | 2,978 |
| Net operating income to assets | 0.2183% | 5,647 |
| Return on assets (ROA) | 0.2183% | 5,710 |
| Pretax return on assets | 0.3185% | 5,615 |
| Return on Equity (ROE) | 2.3729% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.7676% | 4,993 |
| Net charge-offs to loans | 0.0139% | 3,689 |
| Credit loss provision to net charge-offs | 675.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 42.5253% | 1,180 |
| Efficiency ratio | 90.3519% | 678 |
| Assets per employee ($millions) | 3.1894% | 5,308 |
| Cash dividends to net income (ytd only)* | 25.5090% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 5,599 |
| Loan loss allowance to noncurrent loans | 1,505.0000% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 3,812 |
| Noncurrent loans to loans | 0.0508% | 5,412 |
| Net loans and leases to total assets | 68.0996% | 2,660 |
| Net loans and leases to deposits | 75.8615% | 3,318 |
| Net loans and leases to core deposits | 75.8615% | 3,820 |
| Total domestic deposits to total assets | 89.7683% | 672 |
| Equity capital to assets | 9.6865% | 4,533 |
| Core capital (leverage) ratio | 8.4515% | 5,588 |
| Tier 1 risk-based capital ratio | 10.5835% | 5,845 |
| Total risk-based capital ratio | 11.2236% | 6,007 |
| Memoranda: | ||
| Average total assets | $59,855,000 | 5,392 |
| Average earning assets | $51,996,250 | 5,460 |
| Average equity | $5,506,250 | 5,610 |
| Average total loans | $38,373,250 | 5,126 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 4,147 |
| Cost of funding earning assets | 0.2127% | 5,323 |
| Net interest margin | 3.5633% | 3,233 |
| Noninterest income to average assets | 0.6593% | 2,424 |
| Noninterest expense to average assets | 3.4515% | 1,377 |
| Loan and lease loss provision to assets | 0.0231% | 3,671 |
| Net operating income to assets | 0.1846% | 5,734 |
| Return on assets (ROA) | 0.1846% | 5,791 |
| Pretax return on assets | 0.2769% | 5,695 |
| Return on Equity (ROE) | 2.0408% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.1297% | 5,114 |
| Net charge-offs to loans | 0.0210% | 3,254 |
| Credit loss provision to net charge-offs | 175.0000% | 1,373 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,632 |
| Efficiency ratio | 92.0035% | 638 |
| Assets per employee ($millions) | 3.3526% | 5,067 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 5,734 |
| Loan loss allowance to noncurrent loans | 1,405.0000% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 4,011 |
| Noncurrent loans to loans | 0.0526% | 5,533 |
| Net loans and leases to total assets | 62.5079% | 3,476 |
| Net loans and leases to deposits | 69.0393% | 4,035 |
| Net loans and leases to core deposits | 69.0393% | 4,411 |
| Total domestic deposits to total assets | 90.5396% | 440 |
| Equity capital to assets | 9.1323% | 5,108 |
| Core capital (leverage) ratio | 8.2215% | 5,770 |
| Tier 1 risk-based capital ratio | 10.4625% | 5,937 |
| Total risk-based capital ratio | 11.0603% | 6,097 |
| Memoranda: | ||
| Average total assets | $60,670,000 | 5,430 |
| Average earning assets | $52,647,670 | 5,495 |
| Average equity | $5,488,000 | 5,667 |
| Average total loans | $38,032,000 | 5,180 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,051 |
| Cost of funding earning assets | 0.2359% | 5,160 |
| Net interest margin | 3.5544% | 3,209 |
| Noninterest income to average assets | 0.8088% | 1,681 |
| Noninterest expense to average assets | 3.3666% | 1,561 |
| Loan and lease loss provision to assets | 0.0263% | 3,360 |
| Net operating income to assets | 0.3880% | 5,118 |
| Return on assets (ROA) | 0.3880% | 5,235 |
| Pretax return on assets | 0.4866% | 5,216 |
| Return on Equity (ROE) | 4.3093% | 4,842 |
| Retained earnings to average equity (ytd only) | 2.4833% | 4,444 |
| Net charge-offs to loans | 0.0736% | 1,975 |
| Credit loss provision to net charge-offs | 57.1429% | 2,034 |
| Earnings coverage of net charge-offs (x) | 11.1429% | 1,884 |
| Efficiency ratio | 86.7797% | 1,111 |
| Assets per employee ($millions) | 3.3582% | 5,152 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 5,855 |
| Loan loss allowance to noncurrent loans | 1,145.8333% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 3,828 |
| Noncurrent loans to loans | 0.0633% | 5,521 |
| Net loans and leases to total assets | 62.2281% | 3,330 |
| Net loans and leases to deposits | 68.6957% | 3,892 |
| Net loans and leases to core deposits | 68.6957% | 4,268 |
| Total domestic deposits to total assets | 90.5851% | 498 |
| Equity capital to assets | 9.1237% | 5,170 |
| Core capital (leverage) ratio | 8.0364% | 5,922 |
| Tier 1 risk-based capital ratio | 10.8873% | 5,857 |
| Total risk-based capital ratio | 11.4974% | 6,045 |
| Memoranda: | ||
| Average total assets | $60,832,000 | 5,485 |
| Average earning assets | $52,554,000 | 5,547 |
| Average equity | $5,476,500 | 5,722 |
| Average total loans | $38,047,000 | 5,214 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,206 |
| Cost of funding earning assets | 0.2688% | 5,114 |
| Net interest margin | 3.6099% | 3,376 |
| Noninterest income to average assets | 0.6913% | 2,340 |
| Noninterest expense to average assets | 3.5504% | 1,388 |
| Loan and lease loss provision to assets | 0.0139% | 4,338 |
| Net operating income to assets | 0.1511% | 5,873 |
| Return on assets (ROA) | 0.1511% | 5,919 |
| Pretax return on assets | 0.2293% | 5,821 |
| Return on Equity (ROE) | 1.6099% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.1473% | 5,262 |
| Net charge-offs to loans | 0.0085% | 4,752 |
| Credit loss provision to net charge-offs | 266.6667% | 960 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 977 |
| Efficiency ratio | 93.5897% | 618 |
| Assets per employee ($millions) | 3.4009% | 5,058 |
| Cash dividends to net income (ytd only)* | 28.7356% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 5,934 |
| Loan loss allowance to noncurrent loans | 250.4505% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 3,491 |
| Noncurrent loans to loans | 0.2905% | 4,808 |
| Net loans and leases to total assets | 61.9534% | 3,508 |
| Net loans and leases to deposits | 68.2024% | 4,107 |
| Net loans and leases to core deposits | 68.2024% | 4,480 |
| Total domestic deposits to total assets | 90.8375% | 417 |
| Equity capital to assets | 8.8832% | 5,394 |
| Core capital (leverage) ratio | 8.8401% | 5,201 |
| Tier 1 risk-based capital ratio | 10.6153% | 6,057 |
| Total risk-based capital ratio | 11.1993% | 6,226 |
| Memoranda: | ||
| Average total assets | $57,570,600 | 5,613 |
| Average earning assets | $49,475,400 | 5,690 |
| Average equity | $5,404,000 | 5,765 |
| Average total loans | $35,497,400 | 5,346 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 4,314 |
| Cost of funding earning assets | 0.2758% | 5,145 |
| Net interest margin | 3.5877% | 3,475 |
| Noninterest income to average assets | 0.7271% | 2,198 |
| Noninterest expense to average assets | 3.5722% | 1,342 |
| Loan and lease loss provision to assets | 0.0188% | 4,029 |
| Net operating income to assets | 0.1836% | 5,875 |
| Return on assets (ROA) | 0.1836% | 5,922 |
| Pretax return on assets | 0.2283% | 5,907 |
| Return on Equity (ROE) | 1.9275% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.3096% | 5,373 |
| Net charge-offs to loans | 0.0153% | 4,242 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 26.2664% | 1,488 |
| Efficiency ratio | 93.5305% | 622 |
| Assets per employee ($millions) | 3.0684% | 5,650 |
| Cash dividends to net income (ytd only)* | 32.0481% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 5,993 |
| Loan loss allowance to noncurrent loans | 245.1327% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 3,500 |
| Noncurrent loans to loans | 0.3062% | 4,990 |
| Net loans and leases to total assets | 66.3202% | 2,802 |
| Net loans and leases to deposits | 75.3487% | 3,266 |
| Net loans and leases to core deposits | 75.3487% | 3,827 |
| Total domestic deposits to total assets | 88.0178% | 1,760 |
| Equity capital to assets | 9.8403% | 4,377 |
| Core capital (leverage) ratio | 9.2319% | 4,734 |
| Tier 1 risk-based capital ratio | 10.9741% | 6,002 |
| Total risk-based capital ratio | 11.5829% | 6,221 |
| Memoranda: | ||
| Average total assets | $56,659,000 | 5,699 |
| Average earning assets | $48,832,750 | 5,771 |
| Average equity | $5,395,500 | 5,826 |
| Average total loans | $34,820,750 | 5,421 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,492 |
| Cost of funding earning assets | 0.2802% | 5,177 |
| Net interest margin | 3.5295% | 3,661 |
| Noninterest income to average assets | 0.7141% | 2,214 |
| Noninterest expense to average assets | 3.5845% | 1,322 |
| Loan and lease loss provision to assets | 0.0280% | 3,716 |
| Net operating income to assets | 0.1645% | 5,922 |
| Return on assets (ROA) | 0.1645% | 5,960 |
| Pretax return on assets | 0.1435% | 6,035 |
| Return on Equity (ROE) | 1.7465% | 5,900 |
| Retained earnings to average equity (ytd only) | 0.8175% | 5,423 |
| Net charge-offs to loans | 0.0293% | 3,608 |
| Credit loss provision to net charge-offs | 160.0000% | 1,395 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,317 |
| Efficiency ratio | 95.4334% | 585 |
| Assets per employee ($millions) | 3.0694% | 5,650 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 5,963 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 3,642 |
| Noncurrent loans to loans | 0.3357% | 5,009 |
| Net loans and leases to total assets | 61.5095% | 3,481 |
| Net loans and leases to deposits | 68.4251% | 4,005 |
| Net loans and leases to core deposits | 68.4251% | 4,422 |
| Total domestic deposits to total assets | 89.8932% | 860 |
| Equity capital to assets | 9.8009% | 4,354 |
| Core capital (leverage) ratio | 8.7108% | 5,383 |
| Tier 1 risk-based capital ratio | 11.1484% | 5,990 |
| Total risk-based capital ratio | 11.7791% | 6,185 |
| Memoranda: | ||
| Average total assets | $57,134,670 | 5,738 |
| Average earning assets | $49,242,000 | 5,805 |
| Average equity | $5,382,330 | 5,871 |
| Average total loans | $34,125,330 | 5,484 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 4,766 |
| Cost of funding earning assets | 0.2716% | 5,371 |
| Net interest margin | 3.4513% | 3,894 |
| Noninterest income to average assets | 0.6130% | 2,656 |
| Noninterest expense to average assets | 3.5470% | 1,403 |
| Loan and lease loss provision to assets | 0.0551% | 3,014 |
| Net operating income to assets | 0.0689% | 6,090 |
| Return on assets (ROA) | 0.0689% | 6,115 |
| Pretax return on assets | -0.0138% | 6,227 |
| Return on Equity (ROE) | 0.7454% | 6,093 |
| Retained earnings to average equity (ytd only) | -1.1182% | 5,747 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8484% | 504 |
| Assets per employee ($millions) | 3.3596% | 5,237 |
| Cash dividends to net income (ytd only)* | 250.0000% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 6,045 |
| Loan loss allowance to noncurrent loans | 1,080.7692% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 4,366 |
| Noncurrent loans to loans | 0.0766% | 5,908 |
| Net loans and leases to total assets | 58.9375% | 3,711 |
| Net loans and leases to deposits | 65.2560% | 4,173 |
| Net loans and leases to core deposits | 65.2560% | 4,574 |
| Total domestic deposits to total assets | 90.3174% | 908 |
| Equity capital to assets | 9.3954% | 4,637 |
| Core capital (leverage) ratio | 8.3154% | 5,830 |
| Tier 1 risk-based capital ratio | 10.8593% | 6,214 |
| Total risk-based capital ratio | 11.4954% | 6,369 |
| Memoranda: | ||
| Average total assets | $58,077,000 | 5,765 |
| Average earning assets | $50,068,500 | 5,838 |
| Average equity | $5,366,000 | 5,910 |
| Average total loans | $34,058,000 | 5,540 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 3,736 |
| Cost of funding earning assets | 0.3731% | 4,912 |
| Net interest margin | 3.7269% | 2,952 |
| Noninterest income to average assets | 0.6426% | 2,847 |
| Noninterest expense to average assets | 3.4560% | 1,759 |
| Loan and lease loss provision to assets | 0.1216% | 2,792 |
| Net operating income to assets | 0.1837% | 5,869 |
| Return on assets (ROA) | 0.2675% | 5,713 |
| Pretax return on assets | 0.3994% | 5,497 |
| Return on Equity (ROE) | 2.8481% | 5,560 |
| Retained earnings to average equity (ytd only) | 0.6473% | 5,543 |
| Net charge-offs to loans | 0.2015% | 2,862 |
| Credit loss provision to net charge-offs | 101.4493% | 2,380 |
| Earnings coverage of net charge-offs (x) | 3.3043% | 3,902 |
| Efficiency ratio | 89.7205% | 1,048 |
| Assets per employee ($millions) | 3.4730% | 4,954 |
| Cash dividends to net income (ytd only)* | 77.2727% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 6,183 |
| Loan loss allowance to noncurrent loans | 1,092.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 4,508 |
| Noncurrent loans to loans | 0.0732% | 5,998 |
| Net loans and leases to total assets | 57.4194% | 4,133 |
| Net loans and leases to deposits | 63.3498% | 4,579 |
| Net loans and leases to core deposits | 63.3498% | 4,933 |
| Total domestic deposits to total assets | 90.6387% | 735 |
| Equity capital to assets | 9.0886% | 4,935 |
| Core capital (leverage) ratio | 8.6305% | 5,501 |
| Tier 1 risk-based capital ratio | 10.6709% | 6,312 |
| Total risk-based capital ratio | 11.2789% | 6,472 |
| Memoranda: | ||
| Average total assets | $57,580,600 | 5,818 |
| Average earning assets | $49,585,000 | 5,903 |
| Average equity | $5,407,200 | 5,958 |
| Average total loans | $34,237,800 | 5,575 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,697 |
| Cost of funding earning assets | 0.3874% | 4,924 |
| Net interest margin | 3.7276% | 2,931 |
| Noninterest income to average assets | 0.7340% | 2,443 |
| Noninterest expense to average assets | 3.4093% | 1,805 |
| Loan and lease loss provision to assets | 0.1049% | 3,007 |
| Net operating income to assets | 0.3169% | 5,556 |
| Return on assets (ROA) | 0.4428% | 5,194 |
| Pretax return on assets | 0.5942% | 5,035 |
| Return on Equity (ROE) | 4.6761% | 4,892 |
| Retained earnings to average equity (ytd only) | 1.7473% | 5,265 |
| Net charge-offs to loans | 0.2725% | 2,189 |
| Credit loss provision to net charge-offs | 64.2857% | 3,198 |
| Earnings coverage of net charge-offs (x) | 3.2572% | 3,755 |
| Efficiency ratio | 86.5169% | 1,318 |
| Assets per employee ($millions) | 3.2182% | 5,458 |
| Cash dividends to net income (ytd only)* | 62.6298% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 6,425 |
| Loan loss allowance to noncurrent loans | 110.7623% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0108% | 3,633 |
| Noncurrent loans to loans | 0.6410% | 4,595 |
| Net loans and leases to total assets | 63.1359% | 3,141 |
| Net loans and leases to deposits | 71.8183% | 3,533 |
| Net loans and leases to core deposits | 72.1951% | 4,062 |
| Total domestic deposits to total assets | 87.9106% | 2,189 |
| Equity capital to assets | 9.8649% | 4,091 |
| Core capital (leverage) ratio | 9.0053% | 5,122 |
| Tier 1 risk-based capital ratio | 11.1154% | 6,228 |
| Total risk-based capital ratio | 11.6732% | 6,444 |
| Memoranda: | ||
| Average total assets | $57,215,500 | 5,901 |
| Average earning assets | $49,217,500 | 5,980 |
| Average equity | $5,417,500 | 6,031 |
| Average total loans | $34,253,750 | 5,624 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,887 |
| Cost of funding earning assets | 0.3886% | 5,047 |
| Net interest margin | 3.6693% | 3,087 |
| Noninterest income to average assets | 0.7373% | 2,468 |
| Noninterest expense to average assets | 3.3212% | 2,014 |
| Loan and lease loss provision to assets | 0.1240% | 2,770 |
| Net operating income to assets | 0.3288% | 5,492 |
| Return on assets (ROA) | 0.5099% | 4,923 |
| Pretax return on assets | 0.6959% | 4,694 |
| Return on Equity (ROE) | 5.4569% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.2860% | 4,827 |
| Net charge-offs to loans | 0.1291% | 3,086 |
| Credit loss provision to net charge-offs | 163.6364% | 1,436 |
| Earnings coverage of net charge-offs (x) | 7.5455% | 2,532 |
| Efficiency ratio | 85.3097% | 1,485 |
| Assets per employee ($millions) | 3.1291% | 5,619 |
| Cash dividends to net income (ytd only)* | 58.1081% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 6,329 |
| Loan loss allowance to noncurrent loans | 391.7808% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 4,434 |
| Noncurrent loans to loans | 0.2081% | 5,789 |
| Net loans and leases to total assets | 61.7659% | 3,335 |
| Net loans and leases to deposits | 68.4836% | 3,938 |
| Net loans and leases to core deposits | 68.8237% | 4,418 |
| Total domestic deposits to total assets | 90.1907% | 920 |
| Equity capital to assets | 9.5359% | 4,539 |
| Core capital (leverage) ratio | 8.5096% | 5,663 |
| Tier 1 risk-based capital ratio | 11.0210% | 6,322 |
| Total risk-based capital ratio | 11.6652% | 6,502 |
| Memoranda: | ||
| Average total assets | $58,051,000 | 5,911 |
| Average earning assets | $49,928,330 | 5,996 |
| Average equity | $5,424,330 | 6,071 |
| Average total loans | $34,075,670 | 5,661 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 4,331 |
| Cost of funding earning assets | 0.3964% | 5,140 |
| Net interest margin | 3.5434% | 3,504 |
| Noninterest income to average assets | 0.6586% | 2,824 |
| Noninterest expense to average assets | 3.2725% | 2,151 |
| Loan and lease loss provision to assets | 0.1901% | 1,940 |
| Net operating income to assets | 0.1780% | 5,959 |
| Return on assets (ROA) | 0.2512% | 5,841 |
| Pretax return on assets | 0.3259% | 5,788 |
| Return on Equity (ROE) | 2.7151% | 5,701 |
| Retained earnings to average equity (ytd only) | -3.5957% | 6,244 |
| Net charge-offs to loans | 0.0715% | 3,127 |
| Credit loss provision to net charge-offs | 466.6667% | 567 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,754 |
| Efficiency ratio | 88.6029% | 1,265 |
| Assets per employee ($millions) | 3.6965% | 4,561 |
| Cash dividends to net income (ytd only)* | 232.4324% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,313 |
| Loan loss allowance to noncurrent loans | 142.0290% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9874% | 3,953 |
| Noncurrent loans to loans | 0.6156% | 4,906 |
| Net loans and leases to total assets | 56.3557% | 4,031 |
| Net loans and leases to deposits | 62.1963% | 4,516 |
| Net loans and leases to core deposits | 62.4890% | 4,905 |
| Total domestic deposits to total assets | 90.6094% | 710 |
| Equity capital to assets | 9.1725% | 5,285 |
| Core capital (leverage) ratio | 8.1810% | 5,951 |
| Tier 1 risk-based capital ratio | 10.9673% | 6,422 |
| Total risk-based capital ratio | 11.6386% | 6,597 |
| Memoranda: | ||
| Average total assets | $58,914,500 | 5,933 |
| Average earning assets | $50,460,000 | 6,034 |
| Average equity | $5,451,000 | 6,115 |
| Average total loans | $33,576,000 | 5,721 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 4,674 |
| Cost of funding earning assets | 0.4941% | 5,260 |
| Net interest margin | 3.6822% | 3,731 |
| Noninterest income to average assets | 0.5851% | 3,362 |
| Noninterest expense to average assets | 3.3558% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2371% | 5,676 |
| Return on assets (ROA) | 0.3735% | 5,438 |
| Pretax return on assets | 0.5228% | 5,216 |
| Return on Equity (ROE) | 3.8898% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.8337% | 4,931 |
| Net charge-offs to loans | 0.2713% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.1882% | 4,325 |
| Efficiency ratio | 91.0275% | 988 |
| Assets per employee ($millions) | 3.6678% | 4,630 |
| Cash dividends to net income (ytd only)* | 52.8571% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 6,465 |
| Loan loss allowance to noncurrent loans | 431.7460% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 4,284 |
| Noncurrent loans to loans | 0.1879% | 6,002 |
| Net loans and leases to total assets | 56.6670% | 4,170 |
| Net loans and leases to deposits | 62.6578% | 4,703 |
| Net loans and leases to core deposits | 62.9555% | 5,069 |
| Total domestic deposits to total assets | 90.4388% | 732 |
| Equity capital to assets | 9.3329% | 5,103 |
| Core capital (leverage) ratio | 9.2250% | 4,534 |
| Tier 1 risk-based capital ratio | 11.2359% | 6,255 |
| Total risk-based capital ratio | 11.8594% | 6,476 |
| Memoranda: | ||
| Average total assets | $56,231,000 | 6,019 |
| Average earning assets | $47,363,200 | 6,138 |
| Average equity | $5,398,800 | 6,181 |
| Average total loans | $31,333,400 | 5,882 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 4,913 |
| Cost of funding earning assets | 0.5151% | 5,341 |
| Net interest margin | 3.6567% | 3,977 |
| Noninterest income to average assets | 0.5729% | 3,453 |
| Noninterest expense to average assets | 3.3682% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2134% | 5,881 |
| Return on assets (ROA) | 0.4075% | 5,446 |
| Pretax return on assets | 0.5442% | 5,331 |
| Return on Equity (ROE) | 4.2136% | 5,188 |
| Retained earnings to average equity (ytd only) | 1.4623% | 5,597 |
| Net charge-offs to loans | 0.3681% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 4,595 |
| Efficiency ratio | 92.1916% | 875 |
| Assets per employee ($millions) | 3.3188% | 5,401 |
| Cash dividends to net income (ytd only)* | 65.2960% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 6,504 |
| Loan loss allowance to noncurrent loans | 405.9701% | 922 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 3,962 |
| Noncurrent loans to loans | 0.2098% | 6,082 |
| Net loans and leases to total assets | 59.6392% | 3,848 |
| Net loans and leases to deposits | 66.6983% | 4,375 |
| Net loans and leases to core deposits | 67.0527% | 4,835 |
| Total domestic deposits to total assets | 89.4164% | 1,179 |
| Equity capital to assets | 10.2616% | 4,119 |
| Core capital (leverage) ratio | 9.0759% | 4,957 |
| Tier 1 risk-based capital ratio | 11.8096% | 6,046 |
| Total risk-based capital ratio | 12.4746% | 6,357 |
| Memoranda: | ||
| Average total assets | $55,617,500 | 6,104 |
| Average earning assets | $46,853,250 | 6,226 |
| Average equity | $5,379,250 | 6,250 |
| Average total loans | $30,785,000 | 5,989 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 5,402 |
| Cost of funding earning assets | 0.5205% | 5,479 |
| Net interest margin | 3.5554% | 4,440 |
| Noninterest income to average assets | 0.5952% | 3,284 |
| Noninterest expense to average assets | 3.4257% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1447% | 6,056 |
| Return on assets (ROA) | 0.4464% | 5,283 |
| Pretax return on assets | 0.5208% | 5,387 |
| Return on Equity (ROE) | 4.7050% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.0620% | 4,603 |
| Net charge-offs to loans | 0.5329% | 1,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5926% | 4,770 |
| Efficiency ratio | 95.2709% | 736 |
| Assets per employee ($millions) | 3.4000% | 5,211 |
| Cash dividends to net income (ytd only)* | 34.9206% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,474 |
| Loan loss allowance to noncurrent loans | 438.0952% | 831 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 3,841 |
| Noncurrent loans to loans | 0.2040% | 6,174 |
| Net loans and leases to total assets | 56.2702% | 4,422 |
| Net loans and leases to deposits | 62.6594% | 4,923 |
| Net loans and leases to core deposits | 62.9830% | 5,299 |
| Total domestic deposits to total assets | 89.8033% | 1,044 |
| Equity capital to assets | 9.9577% | 4,404 |
| Core capital (leverage) ratio | 8.7341% | 5,324 |
| Tier 1 risk-based capital ratio | 11.9445% | 5,967 |
| Total risk-based capital ratio | 12.6297% | 6,266 |
| Memoranda: | ||
| Average total assets | $56,456,330 | 6,127 |
| Average earning assets | $47,646,000 | 6,243 |
| Average equity | $5,356,000 | 6,286 |
| Average total loans | $30,399,670 | 6,046 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 5,634 |
| Cost of funding earning assets | 0.5255% | 5,634 |
| Net interest margin | 3.5145% | 4,619 |
| Noninterest income to average assets | 0.6958% | 2,680 |
| Noninterest expense to average assets | 3.4374% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1987% | 5,991 |
| Return on assets (ROA) | 0.2923% | 5,850 |
| Pretax return on assets | 0.3479% | 5,863 |
| Return on Equity (ROE) | 3.1546% | 5,654 |
| Retained earnings to average equity (ytd only) | -0.1502% | 6,017 |
| Net charge-offs to loans | 0.4245% | 2,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 3,797 |
| Efficiency ratio | 93.5606% | 846 |
| Assets per employee ($millions) | 3.5944% | 4,897 |
| Cash dividends to net income (ytd only)* | 104.7619% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,925 |
| Loan loss allowance to noncurrent loans | 303.7383% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 3,818 |
| Noncurrent loans to loans | 0.3598% | 5,957 |
| Net loans and leases to total assets | 51.1511% | 5,125 |
| Net loans and leases to deposits | 56.9236% | 5,496 |
| Net loans and leases to core deposits | 57.2015% | 5,797 |
| Total domestic deposits to total assets | 89.8592% | 1,155 |
| Equity capital to assets | 9.2958% | 5,099 |
| Core capital (leverage) ratio | 8.0368% | 6,224 |
| Tier 1 risk-based capital ratio | 11.8299% | 6,064 |
| Total risk-based capital ratio | 12.6425% | 6,317 |
| Memoranda: | ||
| Average total assets | $57,484,500 | 6,130 |
| Average earning assets | $48,712,000 | 6,251 |
| Average equity | $5,325,500 | 6,326 |
| Average total loans | $30,156,000 | 6,103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 6,276 |
| Cost of funding earning assets | 0.6067% | 6,061 |
| Net interest margin | 3.4969% | 5,160 |
| Noninterest income to average assets | 1.0181% | 1,312 |
| Noninterest expense to average assets | 3.3290% | 2,424 |
| Loan and lease loss provision to assets | 0.0553% | 5,905 |
| Net operating income to assets | 0.4022% | 4,853 |
| Return on assets (ROA) | 0.4511% | 4,846 |
| Pretax return on assets | 0.6534% | 4,501 |
| Return on Equity (ROE) | 5.0175% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.0175% | 2,631 |
| Net charge-offs to loans | 0.4455% | 3,206 |
| Credit loss provision to net charge-offs | 23.8806% | 5,865 |
| Earnings coverage of net charge-offs (x) | 2.7537% | 3,843 |
| Efficiency ratio | 83.9216% | 1,774 |
| Assets per employee ($millions) | 3.5912% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,549 |
| Loan loss allowance to noncurrent loans | 489.0411% | 699 |
| Noncurrent assets plus other real estate owned to assets | 1.6394% | 3,502 |
| Noncurrent loans to loans | 0.2388% | 6,256 |
| Net loans and leases to total assets | 52.5818% | 5,220 |
| Net loans and leases to deposits | 58.0573% | 5,692 |
| Net loans and leases to core deposits | 58.3375% | 5,981 |
| Total domestic deposits to total assets | 90.5689% | 682 |
| Equity capital to assets | 9.2327% | 5,238 |
| Core capital (leverage) ratio | 8.6687% | 5,293 |
| Tier 1 risk-based capital ratio | 11.7780% | 5,972 |
| Total risk-based capital ratio | 12.6566% | 6,211 |
| Memoranda: | ||
| Average total assets | $57,854,400 | 6,111 |
| Average earning assets | $48,786,400 | 6,233 |
| Average equity | $5,201,800 | 6,386 |
| Average total loans | $30,076,200 | 6,155 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 6,550 |
| Cost of funding earning assets | 0.6249% | 6,155 |
| Net interest margin | 3.3949% | 5,596 |
| Noninterest income to average assets | 1.1595% | 975 |
| Noninterest expense to average assets | 3.3612% | 2,307 |
| Loan and lease loss provision to assets | 0.0736% | 5,530 |
| Net operating income to assets | 0.4258% | 4,875 |
| Return on assets (ROA) | 0.4946% | 4,757 |
| Pretax return on assets | 0.6810% | 4,548 |
| Return on Equity (ROE) | 5.5383% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.5383% | 2,834 |
| Net charge-offs to loans | 0.6009% | 2,458 |
| Credit loss provision to net charge-offs | 23.7037% | 5,511 |
| Earnings coverage of net charge-offs (x) | 2.1259% | 4,072 |
| Efficiency ratio | 83.5812% | 1,774 |
| Assets per employee ($millions) | 3.0414% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 5,571 |
| Loan loss allowance to noncurrent loans | 68.0688% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.6614% | 2,431 |
| Noncurrent loans to loans | 1.7243% | 3,729 |
| Net loans and leases to total assets | 54.7547% | 5,043 |
| Net loans and leases to deposits | 60.9504% | 5,526 |
| Net loans and leases to core deposits | 61.2618% | 5,883 |
| Total domestic deposits to total assets | 89.8349% | 959 |
| Equity capital to assets | 9.7249% | 4,739 |
| Core capital (leverage) ratio | 8.4558% | 5,772 |
| Tier 1 risk-based capital ratio | 11.8933% | 5,966 |
| Total risk-based capital ratio | 12.7872% | 6,210 |
| Memoranda: | ||
| Average total assets | $57,953,250 | 6,154 |
| Average earning assets | $48,856,750 | 6,289 |
| Average equity | $5,176,000 | 6,448 |
| Average total loans | $29,952,750 | 6,221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 6,763 |
| Cost of funding earning assets | 0.6309% | 6,313 |
| Net interest margin | 3.3031% | 5,846 |
| Noninterest income to average assets | 1.3791% | 669 |
| Noninterest expense to average assets | 3.5004% | 1,975 |
| Loan and lease loss provision to assets | 0.1017% | 5,037 |
| Net operating income to assets | 0.4173% | 4,864 |
| Return on assets (ROA) | 0.4575% | 4,815 |
| Pretax return on assets | 0.6167% | 4,687 |
| Return on Equity (ROE) | 5.2666% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.2666% | 2,827 |
| Net charge-offs to loans | 0.5230% | 2,531 |
| Credit loss provision to net charge-offs | 38.4615% | 4,843 |
| Earnings coverage of net charge-offs (x) | 2.5128% | 3,566 |
| Efficiency ratio | 84.0521% | 1,806 |
| Assets per employee ($millions) | 3.1959% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,814 |
| Loan loss allowance to noncurrent loans | 42.1538% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 2.6527% | 2,516 |
| Noncurrent loans to loans | 3.2111% | 2,231 |
| Net loans and leases to total assets | 52.0660% | 5,553 |
| Net loans and leases to deposits | 57.4961% | 5,992 |
| Net loans and leases to core deposits | 57.7733% | 6,287 |
| Total domestic deposits to total assets | 90.5557% | 697 |
| Equity capital to assets | 9.1227% | 5,392 |
| Core capital (leverage) ratio | 8.0186% | 6,277 |
| Tier 1 risk-based capital ratio | 12.3403% | 5,485 |
| Total risk-based capital ratio | 13.4187% | 5,627 |
| Memoranda: | ||
| Average total assets | $59,022,330 | 6,171 |
| Average earning assets | $49,772,000 | 6,304 |
| Average equity | $5,126,670 | 6,493 |
| Average total loans | $29,826,330 | 6,285 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 6,880 |
| Cost of funding earning assets | 0.6414% | 6,421 |
| Net interest margin | 3.2147% | 6,028 |
| Noninterest income to average assets | 1.9207% | 380 |
| Noninterest expense to average assets | 3.4465% | 2,151 |
| Loan and lease loss provision to assets | 0.2008% | 3,626 |
| Net operating income to assets | 0.6275% | 3,883 |
| Return on assets (ROA) | 0.6960% | 3,595 |
| Pretax return on assets | 1.0975% | 2,763 |
| Return on Equity (ROE) | 8.2116% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.2116% | 1,660 |
| Net charge-offs to loans | 1.0556% | 1,296 |
| Credit loss provision to net charge-offs | 38.4615% | 3,979 |
| Earnings coverage of net charge-offs (x) | 2.2821% | 3,174 |
| Efficiency ratio | 74.3146% | 3,462 |
| Assets per employee ($millions) | 3.3234% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 4,499 |
| Loan loss allowance to noncurrent loans | 32.3877% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.0424% | 2,270 |
| Noncurrent loans to loans | 4.4344% | 1,582 |
| Net loans and leases to total assets | 47.1507% | 6,172 |
| Net loans and leases to deposits | 51.6461% | 6,504 |
| Net loans and leases to core deposits | 51.8836% | 6,685 |
| Total domestic deposits to total assets | 91.2957% | 490 |
| Equity capital to assets | 8.5238% | 5,873 |
| Core capital (leverage) ratio | 7.4525% | 6,757 |
| Tier 1 risk-based capital ratio | 12.1937% | 5,516 |
| Total risk-based capital ratio | 13.2908% | 5,647 |
| Memoranda: | ||
| Average total assets | $59,770,000 | 6,191 |
| Average earning assets | $50,517,500 | 6,326 |
| Average equity | $5,066,000 | 6,536 |
| Average total loans | $29,558,000 | 6,356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 6,764 |
| Cost of funding earning assets | 0.9875% | 5,753 |
| Net interest margin | 3.3276% | 5,882 |
| Noninterest income to average assets | 0.6692% | 3,024 |
| Noninterest expense to average assets | 3.5338% | 2,086 |
| Loan and lease loss provision to assets | 0.4683% | 3,325 |
| Net operating income to assets | -0.2272% | 6,143 |
| Return on assets (ROA) | 0.0448% | 5,854 |
| Pretax return on assets | -0.0930% | 5,992 |
| Return on Equity (ROE) | 0.6039% | 5,811 |
| Retained earnings to average equity (ytd only) | 0.6039% | 5,280 |
| Net charge-offs to loans | 2.5804% | 720 |
| Credit loss provision to net charge-offs | 33.8535% | 6,463 |
| Earnings coverage of net charge-offs (x) | -0.0360% | 6,161 |
| Efficiency ratio | 101.4299% | 733 |
| Assets per employee ($millions) | 2.9860% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 3,999 |
| Loan loss allowance to noncurrent loans | 27.1166% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 4.1829% | 1,605 |
| Noncurrent loans to loans | 5.5379% | 1,182 |
| Net loans and leases to total assets | 50.3039% | 6,139 |
| Net loans and leases to deposits | 55.0454% | 6,516 |
| Net loans and leases to core deposits | 55.2987% | 6,738 |
| Total domestic deposits to total assets | 91.3863% | 429 |
| Equity capital to assets | 8.4278% | 5,953 |
| Core capital (leverage) ratio | 7.4393% | 6,752 |
| Tier 1 risk-based capital ratio | 11.4327% | 5,961 |
| Total risk-based capital ratio | 12.6271% | 6,007 |
| Memoranda: | ||
| Average total assets | $60,218,000 | 6,183 |
| Average earning assets | $50,938,000 | 6,329 |
| Average equity | $4,470,600 | 6,825 |
| Average total loans | $32,282,000 | 6,301 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 6,910 |
| Cost of funding earning assets | 1.0759% | 5,568 |
| Net interest margin | 3.2640% | 6,130 |
| Noninterest income to average assets | 0.7159% | 2,734 |
| Noninterest expense to average assets | 3.6060% | 1,777 |
| Loan and lease loss provision to assets | 0.6231% | 2,440 |
| Net operating income to assets | -0.4629% | 6,568 |
| Return on assets (ROA) | -0.2254% | 6,408 |
| Pretax return on assets | -0.3668% | 6,462 |
| Return on Equity (ROE) | -3.1409% | 6,506 |
| Retained earnings to average equity (ytd only) | -3.1409% | 6,371 |
| Net charge-offs to loans | 2.9740% | 525 |
| Credit loss provision to net charge-offs | 38.6301% | 6,035 |
| Earnings coverage of net charge-offs (x) | -0.0712% | 6,086 |
| Efficiency ratio | 103.2911% | 649 |
| Assets per employee ($millions) | 2.9059% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,771 |
| Loan loss allowance to noncurrent loans | 29.0439% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 4.9262% | 1,318 |
| Noncurrent loans to loans | 6.2141% | 983 |
| Net loans and leases to total assets | 52.6119% | 6,028 |
| Net loans and leases to deposits | 57.0690% | 6,537 |
| Net loans and leases to core deposits | 57.3365% | 6,775 |
| Total domestic deposits to total assets | 92.1900% | 166 |
| Equity capital to assets | 7.5966% | 7,065 |
| Core capital (leverage) ratio | 6.2900% | 7,388 |
| Tier 1 risk-based capital ratio | 9.6896% | 7,192 |
| Total risk-based capital ratio | 10.9564% | 7,178 |
| Memoranda: | ||
| Average total assets | $60,342,750 | 6,257 |
| Average earning assets | $51,305,000 | 6,394 |
| Average equity | $4,330,000 | 6,970 |
| Average total loans | $32,727,750 | 6,352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 7,050 |
| Cost of funding earning assets | 1.1637% | 5,320 |
| Net interest margin | 3.1366% | 6,498 |
| Noninterest income to average assets | 0.7170% | 2,603 |
| Noninterest expense to average assets | 3.5688% | 1,860 |
| Loan and lease loss provision to assets | 0.9200% | 1,584 |
| Net operating income to assets | -0.6958% | 6,807 |
| Return on assets (ROA) | -0.3438% | 6,556 |
| Pretax return on assets | -0.5566% | 6,632 |
| Return on Equity (ROE) | -4.8818% | 6,693 |
| Retained earnings to average equity (ytd only) | -4.8818% | 6,545 |
| Net charge-offs to loans | 2.8024% | 582 |
| Credit loss provision to net charge-offs | 60.3004% | 5,200 |
| Earnings coverage of net charge-offs (x) | -0.1223% | 5,819 |
| Efficiency ratio | 105.5179% | 637 |
| Assets per employee ($millions) | 3.0339% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5074% | 1,290 |
| Loan loss allowance to noncurrent loans | 34.2040% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 4.6888% | 1,381 |
| Noncurrent loans to loans | 7.3309% | 739 |
| Net loans and leases to total assets | 52.8652% | 6,120 |
| Net loans and leases to deposits | 57.1080% | 6,648 |
| Net loans and leases to core deposits | 57.1080% | 6,884 |
| Total domestic deposits to total assets | 92.5705% | 141 |
| Equity capital to assets | 7.2350% | 7,256 |
| Core capital (leverage) ratio | 5.8652% | 7,500 |
| Tier 1 risk-based capital ratio | 8.9907% | 7,418 |
| Total risk-based capital ratio | 10.2593% | 7,425 |
| Memoranda: | ||
| Average total assets | $61,084,330 | 6,262 |
| Average earning assets | $51,903,000 | 6,410 |
| Average equity | $4,301,670 | 7,011 |
| Average total loans | $33,257,330 | 6,369 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 7,099 |
| Cost of funding earning assets | 1.2152% | 5,310 |
| Net interest margin | 3.1072% | 6,571 |
| Noninterest income to average assets | 0.7244% | 2,435 |
| Noninterest expense to average assets | 3.5831% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1689% | 6,505 |
| Return on assets (ROA) | 0.2676% | 5,552 |
| Pretax return on assets | 0.3524% | 5,447 |
| Return on Equity (ROE) | 3.8520% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.8520% | 3,828 |
| Net charge-offs to loans | 1.9620% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.2073% | 5,165 |
| Efficiency ratio | 106.6019% | 664 |
| Assets per employee ($millions) | 2.9170% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 1,146 |
| Loan loss allowance to noncurrent loans | 33.0598% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 4.8843% | 1,335 |
| Noncurrent loans to loans | 7.9554% | 678 |
| Net loans and leases to total assets | 51.1305% | 6,361 |
| Net loans and leases to deposits | 55.1785% | 6,832 |
| Net loans and leases to core deposits | 55.6689% | 7,008 |
| Total domestic deposits to total assets | 92.6637% | 147 |
| Equity capital to assets | 7.1322% | 7,314 |
| Core capital (leverage) ratio | 5.9251% | 7,589 |
| Tier 1 risk-based capital ratio | 9.1342% | 7,450 |
| Total risk-based capital ratio | 10.3949% | 7,457 |
| Memoranda: | ||
| Average total assets | $61,288,000 | 6,334 |
| Average earning assets | $52,008,500 | 6,474 |
| Average equity | $4,257,500 | 7,093 |
| Average total loans | $33,435,000 | 6,440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 6,457 |
| Cost of funding earning assets | 1.6296% | 4,889 |
| Net interest margin | 3.3641% | 5,513 |
| Noninterest income to average assets | 0.9737% | 1,655 |
| Noninterest expense to average assets | 4.3234% | 962 |
| Loan and lease loss provision to assets | 1.7307% | 1,318 |
| Net operating income to assets | -1.4697% | 6,839 |
| Return on assets (ROA) | -1.4606% | 6,840 |
| Pretax return on assets | -2.1970% | 7,016 |
| Return on Equity (ROE) | -18.1047% | 7,086 |
| Retained earnings to average equity (ytd only) | -18.1047% | 7,041 |
| Net charge-offs to loans | 3.9078% | 434 |
| Credit loss provision to net charge-offs | 71.4489% | 6,463 |
| Earnings coverage of net charge-offs (x) | -0.1982% | 6,435 |
| Efficiency ratio | 112.4888% | 755 |
| Assets per employee ($millions) | 2.6660% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9104% | 836 |
| Loan loss allowance to noncurrent loans | 38.3011% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 5.0409% | 1,213 |
| Noncurrent loans to loans | 7.5988% | 688 |
| Net loans and leases to total assets | 54.9471% | 6,088 |
| Net loans and leases to deposits | 59.0929% | 6,700 |
| Net loans and leases to core deposits | 63.1393% | 7,142 |
| Total domestic deposits to total assets | 92.9842% | 128 |
| Equity capital to assets | 6.7614% | 7,475 |
| Core capital (leverage) ratio | 6.0564% | 7,623 |
| Tier 1 risk-based capital ratio | 8.2330% | 7,619 |
| Total risk-based capital ratio | 9.5200% | 7,633 |
| Memoranda: | ||
| Average total assets | $58,126,000 | 6,429 |
| Average earning assets | $49,582,000 | 6,541 |
| Average equity | $4,689,400 | 7,054 |
| Average total loans | $36,030,200 | 6,307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 6,298 |
| Cost of funding earning assets | 1.7111% | 4,841 |
| Net interest margin | 3.3815% | 5,342 |
| Noninterest income to average assets | 1.2373% | 1,008 |
| Noninterest expense to average assets | 4.2654% | 957 |
| Loan and lease loss provision to assets | 2.3327% | 726 |
| Net operating income to assets | -1.5769% | 7,149 |
| Return on assets (ROA) | -1.5769% | 7,143 |
| Pretax return on assets | -2.4653% | 7,335 |
| Return on Equity (ROE) | -18.7344% | 7,331 |
| Retained earnings to average equity (ytd only) | -18.7344% | 7,297 |
| Net charge-offs to loans | 5.1554% | 207 |
| Credit loss provision to net charge-offs | 71.3371% | 5,959 |
| Earnings coverage of net charge-offs (x) | -0.0405% | 6,115 |
| Efficiency ratio | 103.2077% | 941 |
| Assets per employee ($millions) | 2.4353% | 7,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9023% | 721 |
| Loan loss allowance to noncurrent loans | 27.6363% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 7.2039% | 647 |
| Noncurrent loans to loans | 10.5016% | 364 |
| Net loans and leases to total assets | 60.2685% | 5,542 |
| Net loans and leases to deposits | 65.5934% | 6,345 |
| Net loans and leases to core deposits | 71.2293% | 6,895 |
| Total domestic deposits to total assets | 91.8820% | 190 |
| Equity capital to assets | 7.8003% | 7,042 |
| Core capital (leverage) ratio | 7.6352% | 6,820 |
| Tier 1 risk-based capital ratio | 10.5844% | 6,365 |
| Total risk-based capital ratio | 11.8578% | 6,310 |
| Memoranda: | ||
| Average total assets | $57,327,750 | 6,491 |
| Average earning assets | $49,089,000 | 6,609 |
| Average equity | $4,825,250 | 7,070 |
| Average total loans | $36,362,000 | 6,325 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 6,405 |
| Cost of funding earning assets | 1.7321% | 5,111 |
| Net interest margin | 3.3751% | 5,269 |
| Noninterest income to average assets | 1.4299% | 738 |
| Noninterest expense to average assets | 4.0508% | 1,248 |
| Loan and lease loss provision to assets | 1.6515% | 1,011 |
| Net operating income to assets | -0.8794% | 6,892 |
| Return on assets (ROA) | -0.8794% | 6,899 |
| Pretax return on assets | -1.3849% | 7,025 |
| Return on Equity (ROE) | -10.2063% | 7,049 |
| Retained earnings to average equity (ytd only) | -10.2063% | 6,892 |
| Net charge-offs to loans | 6.0606% | 180 |
| Credit loss provision to net charge-offs | 42.6655% | 5,867 |
| Earnings coverage of net charge-offs (x) | 0.0689% | 5,609 |
| Efficiency ratio | 93.8252% | 1,508 |
| Assets per employee ($millions) | 2.4000% | 7,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 1,243 |
| Loan loss allowance to noncurrent loans | 19.7389% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 7.7716% | 500 |
| Noncurrent loans to loans | 11.1434% | 268 |
| Net loans and leases to total assets | 62.1021% | 5,344 |
| Net loans and leases to deposits | 68.0260% | 6,184 |
| Net loans and leases to core deposits | 74.3155% | 6,770 |
| Total domestic deposits to total assets | 91.2918% | 378 |
| Equity capital to assets | 8.4419% | 6,140 |
| Core capital (leverage) ratio | 8.3475% | 5,717 |
| Tier 1 risk-based capital ratio | 11.7691% | 5,131 |
| Total risk-based capital ratio | 13.0274% | 5,042 |
| Memoranda: | ||
| Average total assets | $57,766,670 | 6,526 |
| Average earning assets | $49,420,330 | 6,657 |
| Average equity | $4,977,330 | 7,072 |
| Average total loans | $36,894,000 | 6,348 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 5,795 |
| Cost of funding earning assets | 1.7243% | 5,501 |
| Net interest margin | 3.5995% | 4,320 |
| Noninterest income to average assets | 2.5741% | 241 |
| Noninterest expense to average assets | 4.1254% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0364% | 2,175 |
| Return on assets (ROA) | 1.0364% | 2,306 |
| Pretax return on assets | 1.5174% | 1,622 |
| Return on Equity (ROE) | 11.9159% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.9159% | 803 |
| Net charge-offs to loans | 0.1481% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,573 |
| Efficiency ratio | 73.1092% | 3,989 |
| Assets per employee ($millions) | 2.3668% | 7,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6691% | 281 |
| Loan loss allowance to noncurrent loans | 26.0335% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 9.7460% | 238 |
| Noncurrent loans to loans | 14.0937% | 122 |
| Net loans and leases to total assets | 64.6163% | 4,885 |
| Net loans and leases to deposits | 71.3059% | 5,829 |
| Net loans and leases to core deposits | 77.7331% | 6,553 |
| Total domestic deposits to total assets | 90.6185% | 549 |
| Equity capital to assets | 9.1668% | 5,124 |
| Core capital (leverage) ratio | 8.7099% | 5,135 |
| Tier 1 risk-based capital ratio | 12.1047% | 4,868 |
| Total risk-based capital ratio | 13.3787% | 4,745 |
| Memoranda: | ||
| Average total assets | $59,049,500 | 6,506 |
| Average earning assets | $50,340,000 | 6,648 |
| Average equity | $5,136,000 | 7,068 |
| Average total loans | $37,815,000 | 6,341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2004% | 4,515 |
| Cost of funding earning assets | 2.1644% | 5,764 |
| Net interest margin | 4.0359% | 2,954 |
| Noninterest income to average assets | 0.6433% | 3,523 |
| Noninterest expense to average assets | 4.2401% | 1,107 |
| Loan and lease loss provision to assets | 2.0538% | 575 |
| Net operating income to assets | -1.4227% | 7,433 |
| Return on assets (ROA) | -1.4227% | 7,379 |
| Pretax return on assets | -2.2404% | 7,519 |
| Return on Equity (ROE) | -16.1297% | 7,632 |
| Retained earnings to average equity (ytd only) | -16.1297% | 7,524 |
| Net charge-offs to loans | 0.8042% | 1,548 |
| Credit loss provision to net charge-offs | 373.9683% | 1,180 |
| Earnings coverage of net charge-offs (x) | -0.3397% | 6,437 |
| Efficiency ratio | 104.6022% | 851 |
| Assets per employee ($millions) | 2.5540% | 7,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7625% | 226 |
| Loan loss allowance to noncurrent loans | 37.0701% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 7.3382% | 337 |
| Noncurrent loans to loans | 10.1498% | 203 |
| Net loans and leases to total assets | 58.9206% | 6,071 |
| Net loans and leases to deposits | 66.4850% | 6,604 |
| Net loans and leases to core deposits | 71.1225% | 7,128 |
| Total domestic deposits to total assets | 88.6224% | 1,195 |
| Equity capital to assets | 8.2632% | 6,465 |
| Core capital (leverage) ratio | 8.9101% | 4,870 |
| Tier 1 risk-based capital ratio | 11.1056% | 5,638 |
| Total risk-based capital ratio | 12.3776% | 5,499 |
| Memoranda: | ||
| Average total assets | $57,356,600 | 6,477 |
| Average earning assets | $48,465,000 | 6,656 |
| Average equity | $5,059,000 | 7,126 |
| Average total loans | $39,171,400 | 6,212 |