Home > Small Business Bank > Performance and Condition Ratios
Small Business Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 3,044 |
| Cost of funding earning assets | 2.4740% | 388 |
| Net interest margin | 2.0546% | 4,396 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 5.3862% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -2.0225% | 4,572 |
| Return on assets (ROA) | -2.0225% | 4,568 |
| Pretax return on assets | -2.6657% | 4,574 |
| Return on Equity (ROE) | -20.8000% | 4,550 |
| Retained earnings to average equity (ytd only) | -20.7957% | 4,528 |
| Net charge-offs to loans | -0.0309% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 197.9839% | 16 |
| Assets per employee ($millions) | 5.0433% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 4,117 |
| Loan loss allowance to noncurrent loans | 131.8182% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 1,269 |
| Noncurrent loans to loans | 0.5355% | 1,455 |
| Net loans and leases to total assets | 80.8900% | 547 |
| Net loans and leases to deposits | 88.9289% | 1,344 |
| Net loans and leases to core deposits | 88.9289% | 2,117 |
| Total domestic deposits to total assets | 90.9600% | 514 |
| Equity capital to assets | 8.2152% | 3,268 |
| Core capital (leverage) ratio | 6.8985% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8349% | 1,107 |
| Memoranda: | ||
| Average total assets | $100,274,200 | 3,833 |
| Average earning assets | $89,651,400 | 3,840 |
| Average equity | $9,752,000 | 3,748 |
| Average total loans | $80,813,600 | 3,394 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 3,186 |
| Cost of funding earning assets | 2.2598% | 448 |
| Net interest margin | 2.0965% | 4,411 |
| Noninterest income to average assets | 1.1300% | 539 |
| Noninterest expense to average assets | 4.8065% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -1.6425% | 4,587 |
| Return on assets (ROA) | -1.6425% | 4,581 |
| Pretax return on assets | -1.8056% | 4,582 |
| Return on Equity (ROE) | -16.2900% | 4,563 |
| Retained earnings to average equity (ytd only) | -16.2913% | 4,539 |
| Net charge-offs to loans | 0.0442% | 1,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -50.8519% | 4,619 |
| Efficiency ratio | 160.1665% | 34 |
| Assets per employee ($millions) | 5.1276% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6239% | 4,236 |
| Loan loss allowance to noncurrent loans | 41.8976% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 392 |
| Noncurrent loans to loans | 1.4890% | 494 |
| Net loans and leases to total assets | 77.5100% | 947 |
| Net loans and leases to deposits | 85.6929% | 1,603 |
| Net loans and leases to core deposits | 85.6929% | 2,205 |
| Total domestic deposits to total assets | 90.4500% | 826 |
| Equity capital to assets | 9.1700% | 2,312 |
| Core capital (leverage) ratio | 9.1044% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $101,387,250 | 3,833 |
| Average earning assets | $90,625,000 | 3,843 |
| Average equity | $10,222,000 | 3,700 |
| Average total loans | $81,500,750 | 3,393 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,494 |
| Cost of funding earning assets | 2.0163% | 477 |
| Net interest margin | 2.0829% | 4,464 |
| Noninterest income to average assets | 1.1100% | 486 |
| Noninterest expense to average assets | 3.8792% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.6594% | 4,580 |
| Return on assets (ROA) | -0.6594% | 4,574 |
| Pretax return on assets | -0.9050% | 4,584 |
| Return on Equity (ROE) | -6.3500% | 4,559 |
| Retained earnings to average equity (ytd only) | -6.3461% | 4,458 |
| Net charge-offs to loans | 0.0658% | 895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -16.9259% | 4,643 |
| Efficiency ratio | 130.4261% | 52 |
| Assets per employee ($millions) | 5.6044% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 4,279 |
| Loan loss allowance to noncurrent loans | 61.8340% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 637 |
| Noncurrent loans to loans | 1.0021% | 755 |
| Net loans and leases to total assets | 79.3300% | 698 |
| Net loans and leases to deposits | 88.6295% | 1,289 |
| Net loans and leases to core deposits | 88.6295% | 1,884 |
| Total domestic deposits to total assets | 89.5100% | 1,081 |
| Equity capital to assets | 10.2300% | 1,729 |
| Core capital (leverage) ratio | 10.1145% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $100,999,000 | 3,856 |
| Average earning assets | $90,163,333 | 3,863 |
| Average equity | $10,494,667 | 3,680 |
| Average total loans | $82,005,667 | 3,391 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,822 |
| Cost of funding earning assets | 1.8642% | 395 |
| Net interest margin | 2.4266% | 4,365 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 3.6731% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.5621% | 4,592 |
| Return on assets (ROA) | -0.5621% | 4,581 |
| Pretax return on assets | -0.7441% | 4,588 |
| Return on Equity (ROE) | -5.3700% | 4,557 |
| Retained earnings to average equity (ytd only) | -5.3676% | 4,345 |
| Net charge-offs to loans | 0.0193% | 1,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -47.0000% | 4,681 |
| Efficiency ratio | 125.4054% | 61 |
| Assets per employee ($millions) | 4.8887% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 4,320 |
| Loan loss allowance to noncurrent loans | 111.3006% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 1,116 |
| Noncurrent loans to loans | 0.5727% | 1,299 |
| Net loans and leases to total assets | 79.2600% | 612 |
| Net loans and leases to deposits | 88.5052% | 1,168 |
| Net loans and leases to core deposits | 88.5052% | 1,709 |
| Total domestic deposits to total assets | 89.5500% | 1,321 |
| Equity capital to assets | 10.2384% | 1,703 |
| Core capital (leverage) ratio | 10.0600% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $101,058,500 | 3,904 |
| Average earning assets | $90,332,500 | 3,911 |
| Average equity | $10,582,000 | 3,715 |
| Average total loans | $82,745,000 | 3,424 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 2,549 |
| Cost of funding earning assets | 0.7177% | 540 |
| Net interest margin | 2.9735% | 3,518 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 3.8678% | 363 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | -0.2851% | 4,619 |
| Return on assets (ROA) | -0.2851% | 4,608 |
| Pretax return on assets | -0.4343% | 4,621 |
| Return on Equity (ROE) | -2.5900% | 4,595 |
| Retained earnings to average equity (ytd only) | -2.5950% | 4,507 |
| Net charge-offs to loans | 0.4485% | 168 |
| Credit loss provision to net charge-offs | 46.1538% | 1,837 |
| Earnings coverage of net charge-offs (x) | -0.8369% | 4,680 |
| Efficiency ratio | 107.8026% | 101 |
| Assets per employee ($millions) | 5.2344% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6304% | 4,306 |
| Loan loss allowance to noncurrent loans | 108.6598% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 1,044 |
| Noncurrent loans to loans | 0.5802% | 1,281 |
| Net loans and leases to total assets | 83.5300% | 295 |
| Net loans and leases to deposits | 93.8879% | 794 |
| Net loans and leases to core deposits | 93.8879% | 1,302 |
| Total domestic deposits to total assets | 88.9700% | 1,728 |
| Equity capital to assets | 10.7115% | 1,369 |
| Core capital (leverage) ratio | 10.1619% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $97,160,200 | 3,951 |
| Average earning assets | $87,507,200 | 3,953 |
| Average equity | $10,674,400 | 3,790 |
| Average total loans | $72,462,400 | 3,534 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3496% | 3,051 |
| Cost of funding earning assets | 0.4617% | 923 |
| Net interest margin | 2.8879% | 3,520 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 3.8169% | 370 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | -0.4100% | 4,669 |
| Return on assets (ROA) | -0.4100% | 4,656 |
| Pretax return on assets | -0.5384% | 4,662 |
| Return on Equity (ROE) | -3.7100% | 4,649 |
| Retained earnings to average equity (ytd only) | -3.7079% | 4,565 |
| Net charge-offs to loans | 0.6315% | 99 |
| Credit loss provision to net charge-offs | 45.4545% | 1,540 |
| Earnings coverage of net charge-offs (x) | -0.7273% | 4,717 |
| Efficiency ratio | 109.5050% | 96 |
| Assets per employee ($millions) | 5.7772% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6121% | 4,368 |
| Loan loss allowance to noncurrent loans | 97.9323% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 1,068 |
| Noncurrent loans to loans | 0.6251% | 1,302 |
| Net loans and leases to total assets | 81.3400% | 418 |
| Net loans and leases to deposits | 90.8143% | 835 |
| Net loans and leases to core deposits | 90.8143% | 1,250 |
| Total domestic deposits to total assets | 89.5700% | 1,844 |
| Equity capital to assets | 10.2251% | 1,505 |
| Core capital (leverage) ratio | 10.1215% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $96,586,750 | 3,984 |
| Average earning assets | $87,211,000 | 3,981 |
| Average equity | $10,679,750 | 3,841 |
| Average total loans | $69,678,250 | 3,594 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0206% | 3,505 |
| Cost of funding earning assets | 0.2866% | 1,834 |
| Net interest margin | 2.7341% | 3,631 |
| Noninterest income to average assets | 0.5737% | 1,849 |
| Noninterest expense to average assets | 3.7229% | 345 |
| Loan and lease loss provision to assets | 0.3187% | 202 |
| Net operating income to assets | -0.7735% | 4,703 |
| Return on assets (ROA) | -0.7735% | 4,691 |
| Pretax return on assets | -0.9945% | 4,702 |
| Return on Equity (ROE) | -6.8067% | 4,700 |
| Retained earnings to average equity (ytd only) | -6.8067% | 4,588 |
| Net charge-offs to loans | 0.8709% | 75 |
| Credit loss provision to net charge-offs | 53.3808% | 1,481 |
| Earnings coverage of net charge-offs (x) | -1.1317% | 2,114 |
| Efficiency ratio | 122.1757% | 70 |
| Assets per employee ($millions) | 3.9075% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 4,415 |
| Loan loss allowance to noncurrent loans | 78.6207% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 752 |
| Noncurrent loans to loans | 0.8210% | 1,047 |
| Net loans and leases to total assets | 86.3576% | 77 |
| Net loans and leases to deposits | 96.5118% | 408 |
| Net loans and leases to core deposits | 96.5118% | 809 |
| Total domestic deposits to total assets | 89.4788% | 1,956 |
| Equity capital to assets | 10.4001% | 1,481 |
| Core capital (leverage) ratio | 10.5698% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,119,333 | 4,044 |
| Average earning assets | $85,148,000 | 4,059 |
| Average equity | $10,695,333 | 3,912 |
| Average total loans | $64,534,333 | 3,717 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5925% | 4,135 |
| Cost of funding earning assets | 0.2189% | 2,546 |
| Net interest margin | 2.3736% | 4,119 |
| Noninterest income to average assets | 0.5571% | 1,876 |
| Noninterest expense to average assets | 3.8334% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.8754% | 4,734 |
| Return on assets (ROA) | -0.8754% | 4,730 |
| Pretax return on assets | -1.1186% | 4,731 |
| Return on Equity (ROE) | -7.3123% | 4,725 |
| Retained earnings to average equity (ytd only) | -7.3123% | 4,500 |
| Net charge-offs to loans | 0.0455% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -42.1667% | 1,825 |
| Efficiency ratio | 141.2052% | 50 |
| Assets per employee ($millions) | 3.8886% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,330 |
| Loan loss allowance to noncurrent loans | 66.0646% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 442 |
| Noncurrent loans to loans | 1.6625% | 474 |
| Net loans and leases to total assets | 64.3769% | 1,575 |
| Net loans and leases to deposits | 72.5116% | 1,747 |
| Net loans and leases to core deposits | 72.5116% | 2,065 |
| Total domestic deposits to total assets | 88.7816% | 2,178 |
| Equity capital to assets | 11.0394% | 1,316 |
| Core capital (leverage) ratio | 11.6986% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,468,000 | 4,093 |
| Average earning assets | $82,238,500 | 4,108 |
| Average equity | $10,831,000 | 3,968 |
| Average total loans | $52,726,000 | 3,929 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0499% | 3,783 |
| Cost of funding earning assets | 0.2439% | 3,006 |
| Net interest margin | 2.8060% | 3,652 |
| Noninterest income to average assets | 2.5873% | 223 |
| Noninterest expense to average assets | 4.4996% | 217 |
| Loan and lease loss provision to assets | 0.0837% | 1,465 |
| Net operating income to assets | 0.4441% | 4,195 |
| Return on assets (ROA) | 0.4441% | 4,235 |
| Pretax return on assets | 0.5736% | 4,149 |
| Return on Equity (ROE) | 3.2025% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.6535% | 3,778 |
| Net charge-offs to loans | 0.2119% | 443 |
| Credit loss provision to net charge-offs | 59.4595% | 2,064 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,483 |
| Efficiency ratio | 87.2539% | 416 |
| Assets per employee ($millions) | 3.8055% | 4,494 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 1,133 |
| Loan loss allowance to noncurrent loans | 55.8121% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 280 |
| Noncurrent loans to loans | 2.9782% | 198 |
| Net loans and leases to total assets | 49.5360% | 3,342 |
| Net loans and leases to deposits | 57.2059% | 3,321 |
| Net loans and leases to core deposits | 57.2059% | 3,535 |
| Total domestic deposits to total assets | 86.5924% | 2,672 |
| Equity capital to assets | 13.0553% | 882 |
| Core capital (leverage) ratio | 13.2071% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,806,600 | 4,235 |
| Average earning assets | $72,166,200 | 4,229 |
| Average equity | $10,929,000 | 4,046 |
| Average total loans | $52,374,800 | 3,957 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2319% | 3,544 |
| Cost of funding earning assets | 0.2437% | 3,178 |
| Net interest margin | 2.9882% | 3,338 |
| Noninterest income to average assets | 3.0712% | 188 |
| Noninterest expense to average assets | 4.4307% | 218 |
| Loan and lease loss provision to assets | 0.1134% | 1,058 |
| Net operating income to assets | 0.9796% | 2,988 |
| Return on assets (ROA) | 0.9796% | 3,069 |
| Pretax return on assets | 1.2667% | 2,713 |
| Return on Equity (ROE) | 6.9540% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.2220% | 2,731 |
| Net charge-offs to loans | 0.1214% | 650 |
| Credit loss provision to net charge-offs | 132.0000% | 1,411 |
| Earnings coverage of net charge-offs (x) | 16.0600% | 1,848 |
| Efficiency ratio | 76.2496% | 1,022 |
| Assets per employee ($millions) | 3.7010% | 4,576 |
| Cash dividends to net income (ytd only)* | 10.5263% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 1,229 |
| Loan loss allowance to noncurrent loans | 155.1935% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 1,268 |
| Noncurrent loans to loans | 1.0613% | 1,071 |
| Net loans and leases to total assets | 55.8824% | 2,739 |
| Net loans and leases to deposits | 65.1163% | 2,722 |
| Net loans and leases to core deposits | 65.1163% | 3,030 |
| Total domestic deposits to total assets | 85.8194% | 2,813 |
| Equity capital to assets | 13.6943% | 810 |
| Core capital (leverage) ratio | 13.4960% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,578,000 | 4,304 |
| Average earning assets | $71,123,500 | 4,300 |
| Average equity | $10,928,750 | 4,099 |
| Average total loans | $54,925,250 | 3,966 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3262% | 3,364 |
| Cost of funding earning assets | 0.2449% | 3,326 |
| Net interest margin | 3.0813% | 3,084 |
| Noninterest income to average assets | 3.1273% | 176 |
| Noninterest expense to average assets | 4.4510% | 225 |
| Loan and lease loss provision to assets | 0.0288% | 2,405 |
| Net operating income to assets | 1.1455% | 2,385 |
| Return on assets (ROA) | 1.1455% | 2,445 |
| Pretax return on assets | 1.4837% | 2,070 |
| Return on Equity (ROE) | 8.0516% | 3,398 |
| Retained earnings to average equity (ytd only) | 8.0516% | 2,056 |
| Net charge-offs to loans | 0.1730% | 486 |
| Credit loss provision to net charge-offs | 22.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 11.5400% | 1,754 |
| Efficiency ratio | 74.6374% | 1,194 |
| Assets per employee ($millions) | 3.5123% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,785 |
| Loan loss allowance to noncurrent loans | 125.1327% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 1,125 |
| Noncurrent loans to loans | 0.9809% | 1,257 |
| Net loans and leases to total assets | 73.6318% | 798 |
| Net loans and leases to deposits | 87.0329% | 847 |
| Net loans and leases to core deposits | 87.0329% | 1,345 |
| Total domestic deposits to total assets | 84.6022% | 3,257 |
| Equity capital to assets | 14.3353% | 655 |
| Core capital (leverage) ratio | 13.7215% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,297,000 | 4,343 |
| Average earning assets | $70,229,667 | 4,337 |
| Average equity | $10,855,000 | 4,118 |
| Average total loans | $57,813,000 | 3,934 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 3,087 |
| Cost of funding earning assets | 0.2514% | 3,466 |
| Net interest margin | 3.1883% | 2,738 |
| Noninterest income to average assets | 2.4746% | 270 |
| Noninterest expense to average assets | 3.9784% | 291 |
| Loan and lease loss provision to assets | 0.0106% | 2,636 |
| Net operating income to assets | 1.0975% | 2,487 |
| Return on assets (ROA) | 1.0975% | 2,560 |
| Pretax return on assets | 1.4299% | 2,193 |
| Return on Equity (ROE) | 7.7439% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.7439% | 2,338 |
| Net charge-offs to loans | 0.0345% | 1,133 |
| Credit loss provision to net charge-offs | 40.0000% | 1,352 |
| Earnings coverage of net charge-offs (x) | 54.6000% | 862 |
| Efficiency ratio | 73.4177% | 1,357 |
| Assets per employee ($millions) | 3.3117% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,865 |
| Loan loss allowance to noncurrent loans | 195.5263% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 1,959 |
| Noncurrent loans to loans | 0.6205% | 2,014 |
| Net loans and leases to total assets | 76.1198% | 620 |
| Net loans and leases to deposits | 89.3873% | 736 |
| Net loans and leases to core deposits | 89.7320% | 1,250 |
| Total domestic deposits to total assets | 85.1573% | 3,042 |
| Equity capital to assets | 13.6487% | 753 |
| Core capital (leverage) ratio | 14.2507% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,810,000 | 4,372 |
| Average earning assets | $70,005,000 | 4,357 |
| Average equity | $10,744,000 | 4,141 |
| Average total loans | $57,918,000 | 3,947 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 327 |
| Cost of funding earning assets | 0.3570% | 3,836 |
| Net interest margin | 4.8621% | 155 |
| Noninterest income to average assets | 0.8604% | 1,373 |
| Noninterest expense to average assets | 4.3849% | 279 |
| Loan and lease loss provision to assets | 0.0400% | 3,902 |
| Net operating income to assets | 0.7749% | 3,184 |
| Return on assets (ROA) | 0.7893% | 3,254 |
| Pretax return on assets | 0.9715% | 3,140 |
| Return on Equity (ROE) | 5.1663% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.1663% | 2,206 |
| Net charge-offs to loans | 0.0561% | 1,975 |
| Credit loss provision to net charge-offs | 93.1034% | 2,902 |
| Earnings coverage of net charge-offs (x) | 23.1379% | 1,817 |
| Efficiency ratio | 81.5253% | 776 |
| Assets per employee ($millions) | 2.8856% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 2,126 |
| Loan loss allowance to noncurrent loans | 477.5641% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,212 |
| Noncurrent loans to loans | 0.2858% | 3,175 |
| Net loans and leases to total assets | 74.6437% | 946 |
| Net loans and leases to deposits | 87.7832% | 1,113 |
| Net loans and leases to core deposits | 88.1569% | 1,675 |
| Total domestic deposits to total assets | 85.0319% | 2,748 |
| Equity capital to assets | 14.7491% | 615 |
| Core capital (leverage) ratio | 14.1533% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,527,400 | 4,420 |
| Average earning assets | $62,750,800 | 4,404 |
| Average equity | $10,316,800 | 4,166 |
| Average total loans | $51,651,800 | 4,078 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 512 |
| Cost of funding earning assets | 0.3735% | 3,943 |
| Net interest margin | 4.7176% | 248 |
| Noninterest income to average assets | 0.8035% | 1,483 |
| Noninterest expense to average assets | 4.3048% | 293 |
| Loan and lease loss provision to assets | 0.0497% | 3,731 |
| Net operating income to assets | 0.6631% | 3,584 |
| Return on assets (ROA) | 0.6790% | 3,637 |
| Pretax return on assets | 0.8577% | 3,498 |
| Return on Equity (ROE) | 4.4027% | 4,063 |
| Retained earnings to average equity (ytd only) | 4.4027% | 2,847 |
| Net charge-offs to loans | 0.0786% | 1,523 |
| Credit loss provision to net charge-offs | 83.3333% | 2,736 |
| Earnings coverage of net charge-offs (x) | 14.7333% | 2,135 |
| Efficiency ratio | 82.9014% | 680 |
| Assets per employee ($millions) | 3.3701% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,307 |
| 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 | 77.8992% | 840 |
| Net loans and leases to deposits | 90.8513% | 1,175 |
| Net loans and leases to core deposits | 91.2230% | 1,864 |
| Total domestic deposits to total assets | 85.7436% | 2,165 |
| Equity capital to assets | 14.0865% | 834 |
| Core capital (leverage) ratio | 13.7828% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,374,250 | 4,448 |
| Average earning assets | $61,752,500 | 4,435 |
| Average equity | $10,236,000 | 4,188 |
| Average total loans | $50,916,500 | 4,117 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 1,007 |
| Cost of funding earning assets | 0.4251% | 3,923 |
| Net interest margin | 4.4564% | 557 |
| Noninterest income to average assets | 0.8184% | 1,383 |
| Noninterest expense to average assets | 4.3553% | 289 |
| Loan and lease loss provision to assets | 0.0031% | 4,120 |
| Net operating income to assets | 0.4876% | 4,048 |
| Return on assets (ROA) | 0.5080% | 4,073 |
| Pretax return on assets | 0.6271% | 4,011 |
| Return on Equity (ROE) | 3.1869% | 4,307 |
| Retained earnings to average equity (ytd only) | 3.1869% | 3,311 |
| Net charge-offs to loans | 0.0661% | 1,584 |
| Credit loss provision to net charge-offs | 6.2500% | 2,755 |
| Earnings coverage of net charge-offs (x) | 12.0625% | 2,075 |
| Efficiency ratio | 87.8003% | 457 |
| Assets per employee ($millions) | 4.0613% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,775 |
| Loan loss allowance to noncurrent loans | 10,471.4286% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,536 |
| Noncurrent loans to loans | 0.0129% | 4,457 |
| Net loans and leases to total assets | 73.2049% | 1,528 |
| Net loans and leases to deposits | 85.2774% | 1,850 |
| Net loans and leases to core deposits | 85.6309% | 2,472 |
| Total domestic deposits to total assets | 85.8433% | 2,082 |
| Equity capital to assets | 14.0473% | 844 |
| Core capital (leverage) ratio | 14.8371% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,785,000 | 4,483 |
| Average earning assets | $59,286,000 | 4,476 |
| Average equity | $10,166,667 | 4,204 |
| Average total loans | $48,389,333 | 4,169 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 1,558 |
| Cost of funding earning assets | 0.5204% | 3,845 |
| Net interest margin | 4.2290% | 866 |
| Noninterest income to average assets | 0.9471% | 963 |
| Noninterest expense to average assets | 4.6003% | 277 |
| Loan and lease loss provision to assets | 0.0068% | 3,668 |
| Net operating income to assets | 0.2214% | 4,491 |
| Return on assets (ROA) | 0.2706% | 4,433 |
| Pretax return on assets | 0.2977% | 4,458 |
| Return on Equity (ROE) | 1.5817% | 4,528 |
| Retained earnings to average equity (ytd only) | 1.5817% | 3,578 |
| Net charge-offs to loans | 0.0176% | 2,022 |
| Credit loss provision to net charge-offs | 50.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,468 |
| Efficiency ratio | 94.8396% | 353 |
| Assets per employee ($millions) | 3.4130% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 967 |
| Loan loss allowance to noncurrent loans | 4,394.1176% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,475 |
| Noncurrent loans to loans | 0.0374% | 4,408 |
| Net loans and leases to total assets | 77.0256% | 1,129 |
| Net loans and leases to deposits | 93.4391% | 1,130 |
| Net loans and leases to core deposits | 93.9459% | 1,985 |
| Total domestic deposits to total assets | 82.4339% | 3,285 |
| Equity capital to assets | 17.4868% | 396 |
| Core capital (leverage) ratio | 17.0638% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,126,000 | 4,571 |
| Average earning assets | $54,575,000 | 4,564 |
| Average equity | $10,115,500 | 4,228 |
| Average total loans | $45,460,000 | 4,238 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 2,879 |
| Cost of funding earning assets | 0.7394% | 2,978 |
| Net interest margin | 3.7795% | 2,570 |
| Noninterest income to average assets | 0.9082% | 1,162 |
| Noninterest expense to average assets | 4.1350% | 453 |
| Loan and lease loss provision to assets | 0.0306% | 3,403 |
| Net operating income to assets | 0.2388% | 4,809 |
| Return on assets (ROA) | 0.3094% | 4,767 |
| Pretax return on assets | 0.3231% | 4,799 |
| Return on Equity (ROE) | 2.0498% | 4,792 |
| Retained earnings to average equity (ytd only) | 2.0498% | 3,975 |
| Net charge-offs to loans | 0.1806% | 1,111 |
| Credit loss provision to net charge-offs | 24.6914% | 3,303 |
| Earnings coverage of net charge-offs (x) | 2.2593% | 3,436 |
| Efficiency ratio | 93.6524% | 254 |
| Assets per employee ($millions) | 3.7644% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.2707% | 1,708 |
| Net loans and leases to deposits | 89.2912% | 1,663 |
| Net loans and leases to core deposits | 89.7534% | 2,449 |
| Total domestic deposits to total assets | 83.1781% | 3,146 |
| Equity capital to assets | 16.7439% | 500 |
| Core capital (leverage) ratio | 15.4161% | 606 |
| Tier 1 risk-based capital ratio | 22.0040% | 1,020 |
| Total risk-based capital ratio | 23.2585% | 1,002 |
| Memoranda: | ||
| Average total assets | $65,295,800 | 4,517 |
| Average earning assets | $60,589,600 | 4,503 |
| Average equity | $9,854,600 | 4,261 |
| Average total loans | $44,839,400 | 4,286 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 3,247 |
| Cost of funding earning assets | 0.7659% | 2,890 |
| Net interest margin | 3.6700% | 3,028 |
| Noninterest income to average assets | 0.8593% | 1,240 |
| Noninterest expense to average assets | 4.0843% | 479 |
| Loan and lease loss provision to assets | 0.0320% | 3,265 |
| Net operating income to assets | 0.1542% | 4,981 |
| Return on assets (ROA) | 0.2484% | 4,923 |
| Pretax return on assets | 0.2444% | 4,958 |
| Return on Equity (ROE) | 1.6876% | 4,936 |
| Retained earnings to average equity (ytd only) | 1.6876% | 4,366 |
| Net charge-offs to loans | 0.2357% | 758 |
| Credit loss provision to net charge-offs | 20.2532% | 2,966 |
| Earnings coverage of net charge-offs (x) | 1.1519% | 3,323 |
| Efficiency ratio | 95.7277% | 203 |
| Assets per employee ($millions) | 4.7057% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.5489% | 2,697 |
| Net loans and leases to deposits | 80.9130% | 2,808 |
| Net loans and leases to core deposits | 81.2873% | 3,293 |
| Total domestic deposits to total assets | 84.7192% | 2,535 |
| Equity capital to assets | 15.1609% | 803 |
| Core capital (leverage) ratio | 14.7261% | 807 |
| Tier 1 risk-based capital ratio | 20.7579% | 1,222 |
| Total risk-based capital ratio | 22.0119% | 1,195 |
| Memoranda: | ||
| Average total assets | $66,562,000 | 4,542 |
| Average earning assets | $61,796,750 | 4,536 |
| Average equity | $9,797,000 | 4,311 |
| Average total loans | $44,678,750 | 4,342 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 3,443 |
| Cost of funding earning assets | 0.7960% | 2,663 |
| Net interest margin | 3.5676% | 3,370 |
| Noninterest income to average assets | 0.8385% | 1,228 |
| Noninterest expense to average assets | 4.1025% | 470 |
| Loan and lease loss provision to assets | 0.0389% | 3,038 |
| Net operating income to assets | 0.0479% | 5,085 |
| Return on assets (ROA) | 0.1677% | 5,030 |
| Pretax return on assets | 0.1318% | 5,055 |
| Return on Equity (ROE) | 1.1507% | 5,031 |
| Retained earnings to average equity (ytd only) | 1.1507% | 4,393 |
| Net charge-offs to loans | 0.3208% | 531 |
| Credit loss provision to net charge-offs | 18.3099% | 2,666 |
| Earnings coverage of net charge-offs (x) | 0.2394% | 3,096 |
| Efficiency ratio | 98.7743% | 170 |
| Assets per employee ($millions) | 4.2087% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 65.1569% | 3,212 |
| Net loans and leases to deposits | 76.3924% | 3,297 |
| Net loans and leases to core deposits | 76.7358% | 3,666 |
| Total domestic deposits to total assets | 85.2923% | 2,350 |
| Equity capital to assets | 14.6616% | 905 |
| Core capital (leverage) ratio | 14.3776% | 859 |
| Tier 1 risk-based capital ratio | 20.5941% | 1,233 |
| Total risk-based capital ratio | 21.8469% | 1,206 |
| Memoranda: | ||
| Average total assets | $66,789,330 | 4,572 |
| Average earning assets | $62,058,000 | 4,568 |
| Average equity | $9,733,330 | 4,337 |
| Average total loans | $44,270,000 | 4,382 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 3,630 |
| Cost of funding earning assets | 0.7851% | 2,627 |
| Net interest margin | 3.4908% | 3,613 |
| Noninterest income to average assets | 0.8419% | 1,185 |
| Noninterest expense to average assets | 4.0112% | 525 |
| Loan and lease loss provision to assets | 0.0782% | 2,121 |
| Net operating income to assets | 0.0120% | 5,139 |
| Return on assets (ROA) | 0.2225% | 5,000 |
| Pretax return on assets | 0.1985% | 5,030 |
| Return on Equity (ROE) | 1.5315% | 5,022 |
| Retained earnings to average equity (ytd only) | 1.5315% | 4,191 |
| Net charge-offs to loans | 0.3992% | 390 |
| Credit loss provision to net charge-offs | 29.5455% | 2,090 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 2,671 |
| Efficiency ratio | 98.3776% | 196 |
| Assets per employee ($millions) | 4.0259% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 777 |
| Loan loss allowance to noncurrent loans | 2,682.7586% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 4,626 |
| Noncurrent loans to loans | 0.0652% | 4,470 |
| Net loans and leases to total assets | 63.8486% | 3,306 |
| Net loans and leases to deposits | 74.5534% | 3,405 |
| Net loans and leases to core deposits | 74.8805% | 3,741 |
| Total domestic deposits to total assets | 85.6414% | 2,424 |
| Equity capital to assets | 14.2753% | 945 |
| Core capital (leverage) ratio | 14.8677% | 728 |
| Tier 1 risk-based capital ratio | 20.6727% | 1,216 |
| Total risk-based capital ratio | 21.9264% | 1,192 |
| Memoranda: | ||
| Average total assets | $66,514,500 | 4,631 |
| Average earning assets | $61,648,000 | 4,622 |
| Average equity | $9,663,500 | 4,376 |
| Average total loans | $44,091,500 | 4,432 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,776 |
| Cost of funding earning assets | 0.4003% | 3,988 |
| Net interest margin | 3.6862% | 3,090 |
| Noninterest income to average assets | 0.9586% | 1,041 |
| Noninterest expense to average assets | 3.8735% | 623 |
| Loan and lease loss provision to assets | 0.0030% | 4,047 |
| Net operating income to assets | 0.4272% | 4,816 |
| Return on assets (ROA) | 0.4272% | 4,810 |
| Pretax return on assets | 0.4740% | 4,838 |
| Return on Equity (ROE) | 3.0163% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.0163% | 3,889 |
| Net charge-offs to loans | -0.0353% | 4,865 |
| Credit loss provision to net charge-offs | -12.5000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0354% | 386 |
| Assets per employee ($millions) | 4.0368% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 622 |
| Loan loss allowance to noncurrent loans | 2,128.9474% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,549 |
| Noncurrent loans to loans | 0.0869% | 4,359 |
| Net loans and leases to total assets | 66.4169% | 3,067 |
| Net loans and leases to deposits | 78.7365% | 3,072 |
| Net loans and leases to core deposits | 79.1082% | 3,491 |
| Total domestic deposits to total assets | 84.3534% | 2,888 |
| Equity capital to assets | 14.7966% | 762 |
| Core capital (leverage) ratio | 15.4390% | 607 |
| Tier 1 risk-based capital ratio | 20.7307% | 1,190 |
| Total risk-based capital ratio | 21.9862% | 1,166 |
| Memoranda: | ||
| Average total assets | $66,244,400 | 4,648 |
| Average earning assets | $60,956,400 | 4,651 |
| Average equity | $9,382,400 | 4,403 |
| Average total loans | $45,272,000 | 4,429 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 3,656 |
| Cost of funding earning assets | 0.3753% | 4,018 |
| Net interest margin | 3.7180% | 2,949 |
| Noninterest income to average assets | 0.9761% | 994 |
| Noninterest expense to average assets | 3.8824% | 606 |
| Loan and lease loss provision to assets | 0.0020% | 3,924 |
| Net operating income to assets | 0.4500% | 4,852 |
| Return on assets (ROA) | 0.4500% | 4,858 |
| Pretax return on assets | 0.5000% | 4,906 |
| Return on Equity (ROE) | 3.2123% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.2123% | 4,138 |
| Net charge-offs to loans | -0.0467% | 4,909 |
| Credit loss provision to net charge-offs | -6.2500% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5493% | 380 |
| Assets per employee ($millions) | 3.7718% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 684 |
| Loan loss allowance to noncurrent loans | 26,933.3333% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,009 |
| Noncurrent loans to loans | 0.0068% | 4,903 |
| Net loans and leases to total assets | 67.6887% | 2,988 |
| Net loans and leases to deposits | 92.5692% | 1,556 |
| Net loans and leases to core deposits | 93.0754% | 2,386 |
| Total domestic deposits to total assets | 73.1223% | 5,050 |
| Equity capital to assets | 14.6023% | 803 |
| Core capital (leverage) ratio | 15.1728% | 661 |
| Tier 1 risk-based capital ratio | 20.4119% | 1,266 |
| Total risk-based capital ratio | 21.6662% | 1,235 |
| Memoranda: | ||
| Average total assets | $66,658,250 | 4,690 |
| Average earning assets | $61,106,250 | 4,697 |
| Average equity | $9,338,750 | 4,451 |
| Average total loans | $45,663,250 | 4,464 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 3,551 |
| Cost of funding earning assets | 0.3618% | 3,998 |
| Net interest margin | 3.7080% | 2,894 |
| Noninterest income to average assets | 0.9748% | 1,004 |
| Noninterest expense to average assets | 3.7983% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5066% | 4,737 |
| Return on assets (ROA) | 0.5066% | 4,742 |
| Pretax return on assets | 0.5777% | 4,767 |
| Return on Equity (ROE) | 3.6653% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.6653% | 3,762 |
| Net charge-offs to loans | -0.0737% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7976% | 530 |
| Assets per employee ($millions) | 3.8481% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 766 |
| 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 | 67.7184% | 2,910 |
| Net loans and leases to deposits | 91.4458% | 1,654 |
| Net loans and leases to core deposits | 91.9297% | 2,408 |
| Total domestic deposits to total assets | 74.0530% | 5,036 |
| Equity capital to assets | 14.3187% | 857 |
| Core capital (leverage) ratio | 14.5692% | 759 |
| Tier 1 risk-based capital ratio | 19.9475% | 1,327 |
| Total risk-based capital ratio | 21.2009% | 1,298 |
| Memoranda: | ||
| Average total assets | $67,504,330 | 4,729 |
| Average earning assets | $61,920,330 | 4,733 |
| Average equity | $9,330,670 | 4,490 |
| Average total loans | $46,147,670 | 4,484 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 3,926 |
| Cost of funding earning assets | 0.3567% | 3,934 |
| Net interest margin | 3.5419% | 3,376 |
| Noninterest income to average assets | 0.8345% | 1,353 |
| Noninterest expense to average assets | 3.6821% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3735% | 4,978 |
| Return on assets (ROA) | 0.3735% | 4,983 |
| Pretax return on assets | 0.3968% | 5,043 |
| Return on Equity (ROE) | 2.7490% | 5,066 |
| Retained earnings to average equity (ytd only) | 2.7490% | 4,083 |
| Net charge-offs to loans | 0.8914% | 159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.6538% | 2,628 |
| Efficiency ratio | 90.2718% | 432 |
| Assets per employee ($millions) | 4.5612% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,075 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.2063% | 3,002 |
| Net loans and leases to deposits | 87.1247% | 2,036 |
| Net loans and leases to core deposits | 87.5524% | 2,675 |
| Total domestic deposits to total assets | 75.9902% | 4,964 |
| Equity capital to assets | 13.5344% | 1,037 |
| Core capital (leverage) ratio | 14.0591% | 864 |
| Tier 1 risk-based capital ratio | 19.0134% | 1,544 |
| Total risk-based capital ratio | 20.2637% | 1,510 |
| Memoranda: | ||
| Average total assets | $68,547,500 | 4,763 |
| Average earning assets | $62,791,000 | 4,774 |
| Average equity | $9,312,500 | 4,535 |
| Average total loans | $46,667,500 | 4,516 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,315 |
| Cost of funding earning assets | 0.4722% | 2,582 |
| Net interest margin | 3.2359% | 4,345 |
| Noninterest income to average assets | 0.6744% | 2,072 |
| Noninterest expense to average assets | 3.3216% | 1,332 |
| Loan and lease loss provision to assets | 0.0127% | 4,035 |
| Net operating income to assets | 0.2685% | 4,988 |
| Return on assets (ROA) | 0.2860% | 4,969 |
| Pretax return on assets | 0.3530% | 5,152 |
| Return on Equity (ROE) | 2.4396% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.4396% | 3,871 |
| Net charge-offs to loans | 0.1958% | 1,302 |
| Credit loss provision to net charge-offs | 10.1010% | 3,665 |
| Earnings coverage of net charge-offs (x) | 2.7475% | 3,711 |
| Efficiency ratio | 90.6110% | 401 |
| Assets per employee ($millions) | 4.5785% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 996 |
| Loan loss allowance to noncurrent loans | 759.6154% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 4,336 |
| Noncurrent loans to loans | 0.2196% | 4,027 |
| Net loans and leases to total assets | 67.7985% | 2,852 |
| Net loans and leases to deposits | 91.7767% | 1,556 |
| Net loans and leases to core deposits | 92.2385% | 2,355 |
| Total domestic deposits to total assets | 73.8733% | 5,194 |
| Equity capital to assets | 13.6363% | 1,008 |
| Core capital (leverage) ratio | 13.1566% | 1,090 |
| Tier 1 risk-based capital ratio | 18.4680% | 1,661 |
| Total risk-based capital ratio | 19.7201% | 1,612 |
| Memoranda: | ||
| Average total assets | $79,029,000 | 4,611 |
| Average earning assets | $73,056,400 | 4,594 |
| Average equity | $9,264,000 | 4,568 |
| Average total loans | $50,555,400 | 4,443 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,483 |
| Cost of funding earning assets | 0.4941% | 2,319 |
| Net interest margin | 3.1391% | 4,601 |
| Noninterest income to average assets | 0.6518% | 2,201 |
| Noninterest expense to average assets | 3.2002% | 1,558 |
| Loan and lease loss provision to assets | 0.0082% | 3,969 |
| Net operating income to assets | 0.3194% | 5,181 |
| Return on assets (ROA) | 0.3447% | 5,146 |
| Pretax return on assets | 0.3774% | 5,223 |
| Return on Equity (ROE) | 3.0451% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.0451% | 4,095 |
| Net charge-offs to loans | 0.2025% | 1,051 |
| Credit loss provision to net charge-offs | 6.4103% | 3,244 |
| Earnings coverage of net charge-offs (x) | 2.8076% | 3,424 |
| Efficiency ratio | 89.9449% | 409 |
| Assets per employee ($millions) | 5.1689% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 1,117 |
| Loan loss allowance to noncurrent loans | 740.3670% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,498 |
| Noncurrent loans to loans | 0.2237% | 4,170 |
| Net loans and leases to total assets | 61.7995% | 3,673 |
| Net loans and leases to deposits | 82.9123% | 2,669 |
| Net loans and leases to core deposits | 83.2768% | 3,194 |
| Total domestic deposits to total assets | 74.5360% | 5,182 |
| Equity capital to assets | 12.1484% | 1,873 |
| Core capital (leverage) ratio | 11.9306% | 1,733 |
| Tier 1 risk-based capital ratio | 17.5467% | 1,997 |
| Total risk-based capital ratio | 18.7982% | 1,937 |
| Memoranda: | ||
| Average total assets | $81,617,000 | 4,604 |
| Average earning assets | $75,560,000 | 4,591 |
| Average equity | $9,238,750 | 4,623 |
| Average total loans | $51,356,250 | 4,462 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,457 |
| Cost of funding earning assets | 0.4791% | 2,334 |
| Net interest margin | 3.1431% | 4,565 |
| Noninterest income to average assets | 0.6315% | 2,308 |
| Noninterest expense to average assets | 3.1092% | 1,820 |
| Loan and lease loss provision to assets | 0.0048% | 3,811 |
| Net operating income to assets | 0.3736% | 5,037 |
| Return on assets (ROA) | 0.3736% | 5,063 |
| Pretax return on assets | 0.4266% | 5,125 |
| Return on Equity (ROE) | 3.3774% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.3774% | 3,703 |
| Net charge-offs to loans | 0.2604% | 789 |
| Credit loss provision to net charge-offs | 2.9412% | 2,889 |
| Earnings coverage of net charge-offs (x) | 2.6324% | 3,142 |
| Efficiency ratio | 87.8148% | 557 |
| Assets per employee ($millions) | 5.4615% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,220 |
| Loan loss allowance to noncurrent loans | 573.9437% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,373 |
| Noncurrent loans to loans | 0.2821% | 4,029 |
| Net loans and leases to total assets | 60.4470% | 3,804 |
| Net loans and leases to deposits | 82.2687% | 2,674 |
| Net loans and leases to core deposits | 82.6159% | 3,202 |
| Total domestic deposits to total assets | 73.4751% | 5,334 |
| Equity capital to assets | 11.4620% | 2,350 |
| Core capital (leverage) ratio | 11.4321% | 2,020 |
| Tier 1 risk-based capital ratio | 16.6708% | 2,253 |
| Total risk-based capital ratio | 17.9223% | 2,209 |
| Memoranda: | ||
| Average total assets | $82,978,330 | 4,605 |
| Average earning assets | $76,803,330 | 4,595 |
| Average equity | $9,178,670 | 4,655 |
| Average total loans | $52,234,330 | 4,462 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5767% | 4,482 |
| Cost of funding earning assets | 0.4535% | 2,499 |
| Net interest margin | 3.1232% | 4,591 |
| Noninterest income to average assets | 0.6562% | 2,150 |
| Noninterest expense to average assets | 3.0944% | 1,881 |
| Loan and lease loss provision to assets | 0.0048% | 3,496 |
| Net operating income to assets | 0.3928% | 4,959 |
| Return on assets (ROA) | 0.3928% | 4,985 |
| Pretax return on assets | 0.4598% | 5,032 |
| Return on Equity (ROE) | 3.6151% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.6151% | 3,630 |
| Net charge-offs to loans | 0.3159% | 585 |
| Credit loss provision to net charge-offs | 2.3810% | 2,269 |
| Earnings coverage of net charge-offs (x) | 2.3095% | 2,611 |
| Efficiency ratio | 86.9448% | 738 |
| Assets per employee ($millions) | 5.5557% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,400 |
| Loan loss allowance to noncurrent loans | 514.7239% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,286 |
| Noncurrent loans to loans | 0.3098% | 4,014 |
| Net loans and leases to total assets | 62.1384% | 3,517 |
| Net loans and leases to deposits | 83.1081% | 2,384 |
| Net loans and leases to core deposits | 83.4456% | 2,951 |
| Total domestic deposits to total assets | 74.7681% | 5,354 |
| Equity capital to assets | 11.0062% | 2,623 |
| Core capital (leverage) ratio | 11.1656% | 2,223 |
| Tier 1 risk-based capital ratio | 15.7734% | 2,632 |
| Total risk-based capital ratio | 17.0248% | 2,579 |
| Memoranda: | ||
| Average total assets | $83,506,000 | 4,647 |
| Average earning assets | $77,613,000 | 4,619 |
| Average equity | $9,073,000 | 4,703 |
| Average total loans | $53,184,000 | 4,479 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 4,505 |
| Cost of funding earning assets | 0.3951% | 3,043 |
| Net interest margin | 3.2054% | 4,442 |
| Noninterest income to average assets | 0.7125% | 2,117 |
| Noninterest expense to average assets | 3.4506% | 1,257 |
| Loan and lease loss provision to assets | 0.3681% | 450 |
| Net operating income to assets | -0.0840% | 5,680 |
| Return on assets (ROA) | 0.1571% | 5,525 |
| Pretax return on assets | 0.0947% | 5,598 |
| Return on Equity (ROE) | 1.5665% | 5,477 |
| Retained earnings to average equity (ytd only) | 1.5665% | 4,631 |
| Net charge-offs to loans | 0.6598% | 334 |
| Credit loss provision to net charge-offs | 95.7983% | 2,682 |
| Earnings coverage of net charge-offs (x) | 0.5770% | 4,091 |
| Efficiency ratio | 93.9625% | 380 |
| Assets per employee ($millions) | 5.5785% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 1,286 |
| Loan loss allowance to noncurrent loans | 330.8271% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,722 |
| Noncurrent loans to loans | 0.4949% | 3,385 |
| Net loans and leases to total assets | 63.1787% | 3,453 |
| Net loans and leases to deposits | 80.6917% | 2,819 |
| Net loans and leases to core deposits | 80.6917% | 3,333 |
| Total domestic deposits to total assets | 78.2963% | 4,931 |
| Equity capital to assets | 10.7246% | 2,896 |
| Core capital (leverage) ratio | 10.8708% | 2,471 |
| Tier 1 risk-based capital ratio | 15.6416% | 2,688 |
| Total risk-based capital ratio | 16.8935% | 2,617 |
| Memoranda: | ||
| Average total assets | $92,911,800 | 4,494 |
| Average earning assets | $85,794,000 | 4,475 |
| Average equity | $9,320,400 | 4,683 |
| Average total loans | $54,109,600 | 4,453 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6248% | 4,482 |
| Cost of funding earning assets | 0.3953% | 3,062 |
| Net interest margin | 3.2295% | 4,403 |
| Noninterest income to average assets | 0.7337% | 2,029 |
| Noninterest expense to average assets | 3.4488% | 1,250 |
| Loan and lease loss provision to assets | 0.0574% | 3,098 |
| Net operating income to assets | 0.1533% | 5,547 |
| Return on assets (ROA) | 0.3949% | 5,128 |
| Pretax return on assets | 0.5153% | 5,093 |
| Return on Equity (ROE) | 3.9969% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.9969% | 3,460 |
| Net charge-offs to loans | 0.1968% | 1,192 |
| Credit loss provision to net charge-offs | 51.2500% | 3,017 |
| Earnings coverage of net charge-offs (x) | 2.3126% | 3,586 |
| Efficiency ratio | 93.0136% | 427 |
| Assets per employee ($millions) | 3.8286% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,573 |
| Loan loss allowance to noncurrent loans | 2,313.5135% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,966 |
| Noncurrent loans to loans | 0.0677% | 5,074 |
| Net loans and leases to total assets | 61.0695% | 3,732 |
| Net loans and leases to deposits | 73.0851% | 3,690 |
| Net loans and leases to core deposits | 73.0851% | 4,075 |
| Total domestic deposits to total assets | 83.5595% | 3,373 |
| Equity capital to assets | 10.9032% | 3,126 |
| Core capital (leverage) ratio | 9.9866% | 3,588 |
| Tier 1 risk-based capital ratio | 14.7683% | 3,156 |
| Total risk-based capital ratio | 16.0186% | 3,100 |
| Memoranda: | ||
| Average total assets | $95,220,500 | 4,474 |
| Average earning assets | $87,689,000 | 4,475 |
| Average equity | $9,407,000 | 4,719 |
| Average total loans | $54,200,500 | 4,487 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,536 |
| Cost of funding earning assets | 0.3890% | 3,159 |
| Net interest margin | 3.2298% | 4,444 |
| Noninterest income to average assets | 0.6967% | 2,158 |
| Noninterest expense to average assets | 3.3665% | 1,444 |
| Loan and lease loss provision to assets | 0.0471% | 3,207 |
| Net operating income to assets | 0.1966% | 5,527 |
| Return on assets (ROA) | 0.3586% | 5,249 |
| Pretax return on assets | 0.4733% | 5,193 |
| Return on Equity (ROE) | 3.7464% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,510 |
| Net charge-offs to loans | 0.2146% | 1,093 |
| Credit loss provision to net charge-offs | 39.6552% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.5862% | 3,250 |
| Efficiency ratio | 91.6341% | 515 |
| Assets per employee ($millions) | 3.6850% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 1,603 |
| Loan loss allowance to noncurrent loans | 1,387.0968% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,986 |
| Noncurrent loans to loans | 0.1135% | 4,993 |
| Net loans and leases to total assets | 56.1330% | 4,295 |
| Net loans and leases to deposits | 66.1668% | 4,336 |
| Net loans and leases to core deposits | 66.1668% | 4,599 |
| Total domestic deposits to total assets | 84.8356% | 2,946 |
| Equity capital to assets | 10.0939% | 4,099 |
| Core capital (leverage) ratio | 9.4064% | 4,326 |
| Tier 1 risk-based capital ratio | 14.3735% | 3,391 |
| Total risk-based capital ratio | 15.6232% | 3,315 |
| Memoranda: | ||
| Average total assets | $97,608,330 | 4,459 |
| Average earning assets | $89,974,000 | 4,460 |
| Average equity | $9,342,330 | 4,765 |
| Average total loans | $54,056,670 | 4,527 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 4,594 |
| Cost of funding earning assets | 0.3903% | 3,185 |
| Net interest margin | 3.2191% | 4,515 |
| Noninterest income to average assets | 0.6822% | 2,125 |
| Noninterest expense to average assets | 3.2647% | 1,678 |
| Loan and lease loss provision to assets | 0.0650% | 2,659 |
| Net operating income to assets | 0.2521% | 5,434 |
| Return on assets (ROA) | 0.3045% | 5,374 |
| Pretax return on assets | 0.4020% | 5,308 |
| Return on Equity (ROE) | 3.2687% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.2687% | 3,859 |
| Net charge-offs to loans | 0.1042% | 1,501 |
| Credit loss provision to net charge-offs | 114.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,187 |
| Efficiency ratio | 89.1353% | 732 |
| Assets per employee ($millions) | 3.7495% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 1,451 |
| Loan loss allowance to noncurrent loans | 862.5000% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 4,922 |
| Noncurrent loans to loans | 0.1928% | 4,724 |
| Net loans and leases to total assets | 54.4129% | 4,411 |
| Net loans and leases to deposits | 63.6672% | 4,463 |
| Net loans and leases to core deposits | 63.6672% | 4,714 |
| Total domestic deposits to total assets | 85.4646% | 2,927 |
| Equity capital to assets | 9.6404% | 4,515 |
| Core capital (leverage) ratio | 9.2945% | 4,497 |
| Tier 1 risk-based capital ratio | 14.0585% | 3,651 |
| Total risk-based capital ratio | 15.3096% | 3,583 |
| Memoranda: | ||
| Average total assets | $98,507,500 | 4,490 |
| Average earning assets | $91,206,000 | 4,477 |
| Average equity | $9,178,000 | 4,821 |
| Average total loans | $53,764,500 | 4,560 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5158% | 4,880 |
| Cost of funding earning assets | 0.3684% | 3,503 |
| Net interest margin | 3.1474% | 4,783 |
| Noninterest income to average assets | 0.5808% | 2,828 |
| Noninterest expense to average assets | 3.4870% | 1,309 |
| Loan and lease loss provision to assets | 0.5647% | 195 |
| Net operating income to assets | -0.3433% | 6,001 |
| Return on assets (ROA) | -0.2995% | 5,998 |
| Pretax return on assets | -0.4867% | 6,042 |
| Return on Equity (ROE) | -3.4499% | 6,019 |
| Retained earnings to average equity (ytd only) | -3.8879% | 5,865 |
| Net charge-offs to loans | 0.6859% | 347 |
| Credit loss provision to net charge-offs | 163.1868% | 1,643 |
| Earnings coverage of net charge-offs (x) | 0.0275% | 4,268 |
| Efficiency ratio | 99.7281% | 290 |
| Assets per employee ($millions) | 3.6863% | 4,499 |
| Cash dividends to net income (ytd only)* | -12.6984% | 6,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 1,416 |
| Loan loss allowance to noncurrent loans | 2,081.3953% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 5,227 |
| Noncurrent loans to loans | 0.0802% | 5,177 |
| Net loans and leases to total assets | 52.9414% | 4,608 |
| Net loans and leases to deposits | 62.5291% | 4,592 |
| Net loans and leases to core deposits | 62.5291% | 4,844 |
| Total domestic deposits to total assets | 84.6668% | 3,229 |
| Equity capital to assets | 9.0004% | 5,123 |
| Core capital (leverage) ratio | 9.0573% | 4,810 |
| Tier 1 risk-based capital ratio | 13.8784% | 3,783 |
| Total risk-based capital ratio | 15.1298% | 3,712 |
| Memoranda: | ||
| Average total assets | $105,190,800 | 4,356 |
| Average earning assets | $97,445,200 | 4,352 |
| Average equity | $9,130,800 | 4,815 |
| Average total loans | $53,069,800 | 4,578 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 5,021 |
| Cost of funding earning assets | 0.3706% | 3,541 |
| Net interest margin | 3.1122% | 4,930 |
| Noninterest income to average assets | 0.5591% | 2,991 |
| Noninterest expense to average assets | 3.4894% | 1,307 |
| Loan and lease loss provision to assets | 0.6941% | 120 |
| Net operating income to assets | -0.4704% | 6,132 |
| Return on assets (ROA) | -0.4127% | 6,128 |
| Pretax return on assets | -0.6566% | 6,152 |
| Return on Equity (ROE) | -4.7961% | 6,134 |
| Retained earnings to average equity (ytd only) | -5.3774% | 6,030 |
| Net charge-offs to loans | 0.8412% | 236 |
| Credit loss provision to net charge-offs | 166.1677% | 1,553 |
| Earnings coverage of net charge-offs (x) | -0.1258% | 4,000 |
| Efficiency ratio | 101.5284% | 269 |
| Assets per employee ($millions) | 3.4551% | 4,884 |
| Cash dividends to net income (ytd only)* | -12.1207% | 6,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 1,657 |
| Loan loss allowance to noncurrent loans | 200.9070% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 2,174 |
| Noncurrent loans to loans | 0.8136% | 2,932 |
| Net loans and leases to total assets | 53.2096% | 4,649 |
| Net loans and leases to deposits | 62.3669% | 4,693 |
| Net loans and leases to core deposits | 62.3669% | 4,915 |
| Total domestic deposits to total assets | 85.3171% | 2,877 |
| Equity capital to assets | 9.1589% | 5,159 |
| Core capital (leverage) ratio | 8.9115% | 5,101 |
| Tier 1 risk-based capital ratio | 13.5666% | 4,105 |
| Total risk-based capital ratio | 14.8175% | 4,028 |
| Memoranda: | ||
| Average total assets | $106,606,250 | 4,372 |
| Average earning assets | $98,578,000 | 4,371 |
| Average equity | $9,174,000 | 4,870 |
| Average total loans | $52,940,500 | 4,633 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 5,178 |
| Cost of funding earning assets | 0.3697% | 3,603 |
| Net interest margin | 3.0527% | 5,084 |
| Noninterest income to average assets | 0.4837% | 3,477 |
| Noninterest expense to average assets | 3.4228% | 1,434 |
| Loan and lease loss provision to assets | 0.9858% | 70 |
| Net operating income to assets | -0.7065% | 6,224 |
| Return on assets (ROA) | -0.6382% | 6,220 |
| Pretax return on assets | -0.9932% | 6,258 |
| Return on Equity (ROE) | -7.5657% | 6,229 |
| Retained earnings to average equity (ytd only) | -8.4378% | 6,141 |
| Net charge-offs to loans | 1.1272% | 170 |
| Credit loss provision to net charge-offs | 181.0811% | 1,336 |
| Earnings coverage of net charge-offs (x) | -0.2095% | 3,726 |
| Efficiency ratio | 103.4464% | 262 |
| Assets per employee ($millions) | 3.4263% | 4,942 |
| Cash dividends to net income (ytd only)* | -11.5274% | 6,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 1,559 |
| Loan loss allowance to noncurrent loans | 200.2212% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 2,365 |
| Noncurrent loans to loans | 0.8588% | 2,981 |
| Net loans and leases to total assets | 50.3235% | 4,903 |
| Net loans and leases to deposits | 59.6600% | 4,879 |
| Net loans and leases to core deposits | 59.6600% | 5,090 |
| Total domestic deposits to total assets | 84.3505% | 3,422 |
| Equity capital to assets | 8.6634% | 5,551 |
| Core capital (leverage) ratio | 8.8400% | 5,175 |
| Tier 1 risk-based capital ratio | 13.6205% | 4,150 |
| Total risk-based capital ratio | 14.8712% | 4,075 |
| Memoranda: | ||
| Average total assets | $108,742,330 | 4,364 |
| Average earning assets | $100,632,330 | 4,355 |
| Average equity | $9,173,000 | 4,906 |
| Average total loans | $52,520,330 | 4,687 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3559% | 5,311 |
| Cost of funding earning assets | 0.3810% | 3,516 |
| Net interest margin | 2.9749% | 5,282 |
| Noninterest income to average assets | 0.5943% | 2,679 |
| Noninterest expense to average assets | 3.3083% | 1,703 |
| Loan and lease loss provision to assets | 0.7018% | 129 |
| Net operating income to assets | -0.4158% | 6,219 |
| Return on assets (ROA) | -0.3401% | 6,215 |
| Pretax return on assets | -0.5299% | 6,249 |
| Return on Equity (ROE) | -4.0829% | 6,242 |
| Retained earnings to average equity (ytd only) | -5.8021% | 5,980 |
| Net charge-offs to loans | 0.2440% | 978 |
| Credit loss provision to net charge-offs | 612.5000% | 464 |
| Earnings coverage of net charge-offs (x) | 0.4688% | 3,048 |
| Efficiency ratio | 98.4026% | 417 |
| Assets per employee ($millions) | 3.6559% | 4,598 |
| Cash dividends to net income (ytd only)* | -42.1053% | 6,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 2,118 |
| Loan loss allowance to noncurrent loans | 132.2169% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 1,799 |
| Noncurrent loans to loans | 1.1962% | 2,383 |
| Net loans and leases to total assets | 48.6578% | 4,967 |
| Net loans and leases to deposits | 59.7277% | 4,763 |
| Net loans and leases to core deposits | 59.7277% | 5,010 |
| Total domestic deposits to total assets | 81.4661% | 4,683 |
| Equity capital to assets | 8.8614% | 5,432 |
| Core capital (leverage) ratio | 8.7667% | 5,244 |
| Tier 1 risk-based capital ratio | 14.0245% | 3,991 |
| Total risk-based capital ratio | 15.2742% | 3,919 |
| Memoranda: | ||
| Average total assets | $111,719,000 | 4,335 |
| Average earning assets | $103,935,000 | 4,303 |
| Average equity | $9,307,000 | 4,915 |
| Average total loans | $52,464,500 | 4,718 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,986 |
| Cost of funding earning assets | 0.4368% | 3,312 |
| Net interest margin | 3.1972% | 4,930 |
| Noninterest income to average assets | 0.5836% | 2,960 |
| Noninterest expense to average assets | 2.9416% | 3,027 |
| Loan and lease loss provision to assets | 0.1989% | 1,279 |
| Net operating income to assets | 0.2652% | 5,608 |
| Return on assets (ROA) | 0.2992% | 5,590 |
| Pretax return on assets | 0.4358% | 5,410 |
| Return on Equity (ROE) | 3.8997% | 5,156 |
| Retained earnings to average equity (ytd only) | 1.0933% | 5,282 |
| Net charge-offs to loans | 0.4051% | 1,060 |
| Credit loss provision to net charge-offs | 107.9812% | 2,214 |
| Earnings coverage of net charge-offs (x) | 3.1784% | 3,954 |
| Efficiency ratio | 83.4028% | 1,478 |
| Assets per employee ($millions) | 3.5581% | 4,802 |
| Cash dividends to net income (ytd only)* | 71.9653% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,613 |
| Loan loss allowance to noncurrent loans | 106.0606% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 1,637 |
| Noncurrent loans to loans | 1.1940% | 2,457 |
| Net loans and leases to total assets | 44.1567% | 5,451 |
| Net loans and leases to deposits | 59.5518% | 4,940 |
| Net loans and leases to core deposits | 59.5518% | 5,171 |
| Total domestic deposits to total assets | 74.1483% | 5,936 |
| Equity capital to assets | 7.8516% | 6,126 |
| Core capital (leverage) ratio | 7.8917% | 6,060 |
| Tier 1 risk-based capital ratio | 13.6223% | 4,340 |
| Total risk-based capital ratio | 14.5867% | 4,449 |
| Memoranda: | ||
| Average total assets | $115,652,600 | 4,265 |
| Average earning assets | $106,467,200 | 4,256 |
| Average equity | $8,872,400 | 5,006 |
| Average total loans | $52,574,800 | 4,743 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 4,930 |
| Cost of funding earning assets | 0.4401% | 3,367 |
| Net interest margin | 3.2323% | 4,848 |
| Noninterest income to average assets | 0.6064% | 2,827 |
| Noninterest expense to average assets | 2.9383% | 2,996 |
| Loan and lease loss provision to assets | 0.1366% | 1,831 |
| Net operating income to assets | 0.3279% | 5,503 |
| Return on assets (ROA) | 0.3287% | 5,567 |
| Pretax return on assets | 0.4988% | 5,329 |
| Return on Equity (ROE) | 4.3099% | 5,038 |
| Retained earnings to average equity (ytd only) | 1.8211% | 5,140 |
| Net charge-offs to loans | 0.1952% | 1,908 |
| Credit loss provision to net charge-offs | 153.2468% | 1,554 |
| Earnings coverage of net charge-offs (x) | 7.1172% | 2,977 |
| Efficiency ratio | 82.2481% | 1,582 |
| Assets per employee ($millions) | 4.7600% | 2,583 |
| Cash dividends to net income (ytd only)* | 57.7457% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 3,734 |
| Loan loss allowance to noncurrent loans | 105.8372% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 1,739 |
| Noncurrent loans to loans | 1.2123% | 2,618 |
| Net loans and leases to total assets | 44.5466% | 5,489 |
| Net loans and leases to deposits | 59.7478% | 4,970 |
| Net loans and leases to core deposits | 59.7478% | 5,210 |
| Total domestic deposits to total assets | 74.5578% | 5,963 |
| Equity capital to assets | 7.5883% | 6,290 |
| Core capital (leverage) ratio | 7.9073% | 6,130 |
| Tier 1 risk-based capital ratio | 13.3405% | 4,653 |
| Total risk-based capital ratio | 14.3167% | 4,748 |
| Memoranda: | ||
| Average total assets | $115,211,750 | 4,316 |
| Average earning assets | $105,721,750 | 4,312 |
| Average equity | $8,785,750 | 5,072 |
| Average total loans | $52,590,500 | 4,777 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,642 |
| Cost of funding earning assets | 0.4501% | 3,327 |
| Net interest margin | 3.3145% | 4,530 |
| Noninterest income to average assets | 0.5739% | 2,966 |
| Noninterest expense to average assets | 2.9346% | 3,049 |
| Loan and lease loss provision to assets | 0.2054% | 1,162 |
| Net operating income to assets | 0.3048% | 5,551 |
| Return on assets (ROA) | 0.3072% | 5,615 |
| Pretax return on assets | 0.4616% | 5,384 |
| Return on Equity (ROE) | 4.0210% | 5,134 |
| Retained earnings to average equity (ytd only) | 2.2518% | 4,760 |
| Net charge-offs to loans | 0.2489% | 1,564 |
| Credit loss provision to net charge-offs | 180.0000% | 1,266 |
| Earnings coverage of net charge-offs (x) | 5.8154% | 2,865 |
| Efficiency ratio | 81.5610% | 1,801 |
| Assets per employee ($millions) | 5.1926% | 1,979 |
| Cash dividends to net income (ytd only)* | 44.0000% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 3,599 |
| Loan loss allowance to noncurrent loans | 112.7214% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9585% | 1,645 |
| Noncurrent loans to loans | 1.1955% | 2,844 |
| Net loans and leases to total assets | 42.9092% | 5,615 |
| Net loans and leases to deposits | 56.9786% | 5,124 |
| Net loans and leases to core deposits | 56.9786% | 5,348 |
| Total domestic deposits to total assets | 75.3075% | 5,995 |
| Equity capital to assets | 7.6355% | 6,312 |
| Core capital (leverage) ratio | 7.9583% | 6,127 |
| Tier 1 risk-based capital ratio | 13.3758% | 4,665 |
| Total risk-based capital ratio | 14.3724% | 4,766 |
| Memoranda: | ||
| Average total assets | $113,949,330 | 4,363 |
| Average earning assets | $103,967,000 | 4,365 |
| Average equity | $8,704,330 | 5,107 |
| Average total loans | $52,221,000 | 4,821 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 4,218 |
| Cost of funding earning assets | 0.4587% | 3,323 |
| Net interest margin | 3.4085% | 4,080 |
| Noninterest income to average assets | 0.4784% | 3,576 |
| Noninterest expense to average assets | 2.9458% | 3,062 |
| Loan and lease loss provision to assets | 0.2158% | 1,061 |
| Net operating income to assets | 0.2806% | 5,562 |
| Return on assets (ROA) | 0.2806% | 5,607 |
| Pretax return on assets | 0.4172% | 5,399 |
| Return on Equity (ROE) | 3.6719% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.9301% | 4,822 |
| Net charge-offs to loans | 0.3514% | 1,020 |
| Credit loss provision to net charge-offs | 130.4348% | 1,381 |
| Earnings coverage of net charge-offs (x) | 3.8261% | 2,623 |
| Efficiency ratio | 82.3116% | 1,886 |
| Assets per employee ($millions) | 5.2115% | 2,000 |
| Cash dividends to net income (ytd only)* | 47.4359% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,370 |
| Loan loss allowance to noncurrent loans | 158.3732% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.9547% | 1,754 |
| Noncurrent loans to loans | 0.7897% | 3,895 |
| Net loans and leases to total assets | 43.6078% | 5,546 |
| Net loans and leases to deposits | 59.7255% | 4,793 |
| Net loans and leases to core deposits | 59.7255% | 5,061 |
| Total domestic deposits to total assets | 73.0136% | 6,306 |
| Equity capital to assets | 7.2607% | 6,387 |
| Core capital (leverage) ratio | 8.4192% | 5,727 |
| Tier 1 risk-based capital ratio | 13.4102% | 4,759 |
| Total risk-based capital ratio | 14.3610% | 4,879 |
| Memoranda: | ||
| Average total assets | $111,209,500 | 4,462 |
| Average earning assets | $101,157,500 | 4,479 |
| Average equity | $8,497,000 | 5,183 |
| Average total loans | $52,358,500 | 4,849 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,199 |
| Cost of funding earning assets | 0.5949% | 2,713 |
| Net interest margin | 3.6435% | 3,270 |
| Noninterest income to average assets | 0.5532% | 3,380 |
| Noninterest expense to average assets | 3.2331% | 2,326 |
| Loan and lease loss provision to assets | 0.1810% | 2,035 |
| Net operating income to assets | 0.2973% | 5,536 |
| Return on assets (ROA) | 0.2980% | 5,625 |
| Pretax return on assets | 0.4475% | 5,369 |
| Return on Equity (ROE) | 3.3097% | 5,398 |
| Retained earnings to average equity (ytd only) | 0.8698% | 5,445 |
| Net charge-offs to loans | 0.5842% | 1,131 |
| Credit loss provision to net charge-offs | 56.6879% | 3,659 |
| Earnings coverage of net charge-offs (x) | 1.9650% | 4,393 |
| Efficiency ratio | 83.7460% | 1,657 |
| Assets per employee ($millions) | 4.4589% | 2,975 |
| Cash dividends to net income (ytd only)* | 73.7201% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,381 |
| Loan loss allowance to noncurrent loans | 132.5153% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 2.4124% | 1,437 |
| Noncurrent loans to loans | 0.9443% | 3,629 |
| Net loans and leases to total assets | 49.8630% | 5,096 |
| Net loans and leases to deposits | 60.5688% | 4,886 |
| Net loans and leases to core deposits | 60.5688% | 5,179 |
| Total domestic deposits to total assets | 82.3246% | 4,758 |
| Equity capital to assets | 8.0844% | 5,953 |
| Core capital (leverage) ratio | 9.0165% | 4,973 |
| Tier 1 risk-based capital ratio | 14.1643% | 4,177 |
| Total risk-based capital ratio | 15.1516% | 4,305 |
| Memoranda: | ||
| Average total assets | $98,328,200 | 4,786 |
| Average earning assets | $89,254,000 | 4,797 |
| Average equity | $8,852,800 | 5,125 |
| Average total loans | $53,746,600 | 4,819 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 3,078 |
| Cost of funding earning assets | 0.6102% | 2,733 |
| Net interest margin | 3.6701% | 3,151 |
| Noninterest income to average assets | 0.6059% | 3,113 |
| Noninterest expense to average assets | 3.2952% | 2,093 |
| Loan and lease loss provision to assets | 0.0123% | 4,753 |
| Net operating income to assets | 0.4308% | 5,108 |
| Return on assets (ROA) | 0.4318% | 5,253 |
| Pretax return on assets | 0.6387% | 4,889 |
| Return on Equity (ROE) | 4.6701% | 4,897 |
| Retained earnings to average equity (ytd only) | 1.6160% | 5,327 |
| Net charge-offs to loans | 0.1328% | 3,212 |
| Credit loss provision to net charge-offs | 16.6667% | 4,119 |
| Earnings coverage of net charge-offs (x) | 8.7775% | 2,578 |
| Efficiency ratio | 83.5302% | 1,655 |
| Assets per employee ($millions) | 4.5008% | 2,885 |
| Cash dividends to net income (ytd only)* | 65.3968% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 3,998 |
| Loan loss allowance to noncurrent loans | 47.7699% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.5454% | 1,498 |
| Noncurrent loans to loans | 2.8807% | 1,425 |
| Net loans and leases to total assets | 51.1626% | 4,990 |
| Net loans and leases to deposits | 61.7141% | 4,797 |
| Net loans and leases to core deposits | 61.9392% | 5,122 |
| Total domestic deposits to total assets | 82.9027% | 4,618 |
| Equity capital to assets | 8.2671% | 5,938 |
| Core capital (leverage) ratio | 9.1647% | 4,882 |
| Tier 1 risk-based capital ratio | 14.0144% | 4,423 |
| Total risk-based capital ratio | 15.1247% | 4,475 |
| Memoranda: | ||
| Average total assets | $97,271,500 | 4,848 |
| Average earning assets | $88,497,500 | 4,859 |
| Average equity | $8,993,250 | 5,140 |
| Average total loans | $54,237,000 | 4,846 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,522 |
| Cost of funding earning assets | 0.6265% | 2,718 |
| Net interest margin | 3.7846% | 2,613 |
| Noninterest income to average assets | 0.7648% | 2,353 |
| Noninterest expense to average assets | 3.3407% | 1,963 |
| Loan and lease loss provision to assets | 0.0168% | 4,558 |
| Net operating income to assets | 0.5554% | 4,525 |
| Return on assets (ROA) | 0.5568% | 4,692 |
| Pretax return on assets | 0.8362% | 4,174 |
| Return on Equity (ROE) | 5.7997% | 4,290 |
| Retained earnings to average equity (ytd only) | 2.8670% | 4,489 |
| Net charge-offs to loans | 0.1838% | 2,657 |
| Credit loss provision to net charge-offs | 16.0000% | 3,813 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 2,457 |
| Efficiency ratio | 79.6992% | 2,199 |
| Assets per employee ($millions) | 4.5947% | 2,657 |
| Cash dividends to net income (ytd only)* | 50.5660% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 3,979 |
| Loan loss allowance to noncurrent loans | 64.9737% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.3408% | 1,173 |
| Noncurrent loans to loans | 2.1721% | 2,212 |
| Net loans and leases to total assets | 51.2777% | 4,957 |
| Net loans and leases to deposits | 60.1618% | 4,963 |
| Net loans and leases to core deposits | 60.6489% | 5,208 |
| Total domestic deposits to total assets | 85.2329% | 3,776 |
| Equity capital to assets | 8.4277% | 5,845 |
| Core capital (leverage) ratio | 9.4390% | 4,338 |
| Tier 1 risk-based capital ratio | 14.2635% | 4,250 |
| Total risk-based capital ratio | 15.3953% | 4,285 |
| Memoranda: | ||
| Average total assets | $95,189,000 | 4,930 |
| Average earning assets | $86,192,330 | 4,946 |
| Average equity | $9,138,330 | 5,142 |
| Average total loans | $54,415,330 | 4,871 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,754 |
| Cost of funding earning assets | 0.6260% | 2,870 |
| Net interest margin | 3.9999% | 1,783 |
| Noninterest income to average assets | 0.7719% | 2,249 |
| Noninterest expense to average assets | 3.4691% | 1,684 |
| Loan and lease loss provision to assets | 0.0173% | 4,249 |
| Net operating income to assets | 0.6042% | 4,192 |
| Return on assets (ROA) | 0.6071% | 4,338 |
| Pretax return on assets | 0.9193% | 3,692 |
| Return on Equity (ROE) | 5.9272% | 4,091 |
| Retained earnings to average equity (ytd only) | 1.5241% | 5,224 |
| Net charge-offs to loans | 0.2530% | 1,942 |
| Credit loss provision to net charge-offs | 11.4286% | 3,130 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,266 |
| Efficiency ratio | 78.8177% | 2,486 |
| Assets per employee ($millions) | 4.6111% | 2,787 |
| Cash dividends to net income (ytd only)* | 74.2857% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,254 |
| Loan loss allowance to noncurrent loans | 68.4545% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 3.4441% | 1,240 |
| Noncurrent loans to loans | 2.0392% | 2,579 |
| Net loans and leases to total assets | 54.9296% | 4,255 |
| Net loans and leases to deposits | 64.3799% | 4,272 |
| Net loans and leases to core deposits | 64.8263% | 4,667 |
| Total domestic deposits to total assets | 85.3211% | 3,886 |
| Equity capital to assets | 9.7518% | 4,497 |
| Core capital (leverage) ratio | 9.9664% | 3,429 |
| Tier 1 risk-based capital ratio | 14.6185% | 4,096 |
| Total risk-based capital ratio | 15.8078% | 4,099 |
| Memoranda: | ||
| Average total assets | $92,242,000 | 5,045 |
| Average earning assets | $83,701,500 | 5,052 |
| Average equity | $9,448,000 | 5,122 |
| Average total loans | $55,335,500 | 4,875 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 878 |
| Cost of funding earning assets | 0.7743% | 2,873 |
| Net interest margin | 4.5545% | 852 |
| Noninterest income to average assets | 0.5385% | 3,655 |
| Noninterest expense to average assets | 3.5581% | 1,705 |
| Loan and lease loss provision to assets | 0.1277% | 4,017 |
| Net operating income to assets | 0.6413% | 4,029 |
| Return on assets (ROA) | 0.8924% | 3,089 |
| Pretax return on assets | 1.3369% | 2,268 |
| Return on Equity (ROE) | 8.3567% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.8677% | 1,167 |
| Net charge-offs to loans | 0.2966% | 3,165 |
| Credit loss provision to net charge-offs | 60.4396% | 4,433 |
| Earnings coverage of net charge-offs (x) | 5.1593% | 3,131 |
| Efficiency ratio | 76.5543% | 2,652 |
| Assets per employee ($millions) | 4.3826% | 3,188 |
| Cash dividends to net income (ytd only)* | 5.8518% | 4,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,253 |
| Loan loss allowance to noncurrent loans | 78.4785% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 3.7056% | 1,203 |
| Noncurrent loans to loans | 1.7610% | 2,972 |
| Net loans and leases to total assets | 63.8259% | 2,927 |
| Net loans and leases to deposits | 76.3918% | 2,738 |
| Net loans and leases to core deposits | 76.9889% | 3,410 |
| Total domestic deposits to total assets | 83.5507% | 4,520 |
| Equity capital to assets | 10.7848% | 3,185 |
| Core capital (leverage) ratio | 10.5248% | 2,732 |
| Tier 1 risk-based capital ratio | 14.5166% | 4,023 |
| Total risk-based capital ratio | 15.7215% | 4,000 |
| Memoranda: | ||
| Average total assets | $86,169,400 | 5,186 |
| Average earning assets | $77,747,800 | 5,194 |
| Average equity | $9,202,200 | 5,175 |
| Average total loans | $61,360,000 | 4,660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 772 |
| Cost of funding earning assets | 0.8135% | 2,838 |
| Net interest margin | 4.6223% | 784 |
| Noninterest income to average assets | 0.7412% | 2,525 |
| Noninterest expense to average assets | 3.4965% | 1,769 |
| Loan and lease loss provision to assets | 0.1709% | 3,418 |
| Net operating income to assets | 0.8295% | 3,307 |
| Return on assets (ROA) | 0.8951% | 3,234 |
| Pretax return on assets | 1.3395% | 2,453 |
| Return on Equity (ROE) | 8.4029% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.7464% | 1,730 |
| Net charge-offs to loans | 0.3540% | 2,687 |
| Credit loss provision to net charge-offs | 66.2651% | 3,999 |
| Earnings coverage of net charge-offs (x) | 5.4759% | 3,009 |
| Efficiency ratio | 71.2251% | 3,464 |
| Assets per employee ($millions) | 4.9561% | 2,245 |
| Cash dividends to net income (ytd only)* | 7.8127% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,624 |
| Loan loss allowance to noncurrent loans | 2,666.6667% | 212 |
| Noncurrent assets plus other real estate owned to assets | 3.2390% | 1,580 |
| Noncurrent loans to loans | 0.0503% | 6,491 |
| Net loans and leases to total assets | 69.8281% | 1,940 |
| Net loans and leases to deposits | 81.7909% | 2,151 |
| Net loans and leases to core deposits | 82.4407% | 2,900 |
| Total domestic deposits to total assets | 85.3740% | 3,577 |
| Equity capital to assets | 11.2030% | 3,033 |
| Core capital (leverage) ratio | 10.5388% | 2,871 |
| Tier 1 risk-based capital ratio | 13.8556% | 4,645 |
| Total risk-based capital ratio | 15.0857% | 4,622 |
| Memoranda: | ||
| Average total assets | $85,799,000 | 5,248 |
| Average earning assets | $77,361,750 | 5,260 |
| Average equity | $9,139,500 | 5,234 |
| Average total loans | $62,518,000 | 4,662 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 762 |
| Cost of funding earning assets | 0.8435% | 2,853 |
| Net interest margin | 4.6278% | 788 |
| Noninterest income to average assets | 0.6720% | 2,818 |
| Noninterest expense to average assets | 3.4085% | 2,010 |
| Loan and lease loss provision to assets | 0.1367% | 3,810 |
| Net operating income to assets | 0.8726% | 3,032 |
| Return on assets (ROA) | 0.9083% | 3,138 |
| Pretax return on assets | 1.3625% | 2,341 |
| Return on Equity (ROE) | 8.6729% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.6729% | 1,389 |
| Net charge-offs to loans | 0.0914% | 4,246 |
| Credit loss provision to net charge-offs | 203.4483% | 1,403 |
| Earnings coverage of net charge-offs (x) | 21.5172% | 1,340 |
| Efficiency ratio | 70.2148% | 3,731 |
| Assets per employee ($millions) | 4.8729% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,295 |
| Loan loss allowance to noncurrent loans | 2,684.8485% | 194 |
| Noncurrent assets plus other real estate owned to assets | 2.2494% | 2,485 |
| Noncurrent loans to loans | 0.0536% | 6,545 |
| Net loans and leases to total assets | 69.1938% | 2,073 |
| Net loans and leases to deposits | 81.9841% | 2,112 |
| Net loans and leases to core deposits | 82.6169% | 2,880 |
| Total domestic deposits to total assets | 84.3991% | 4,142 |
| Equity capital to assets | 10.5480% | 3,626 |
| Core capital (leverage) ratio | 10.6545% | 2,658 |
| Tier 1 risk-based capital ratio | 13.3902% | 4,909 |
| Total risk-based capital ratio | 14.6412% | 4,870 |
| Memoranda: | ||
| Average total assets | $86,314,000 | 5,269 |
| Average earning assets | $78,006,000 | 5,272 |
| Average equity | $9,039,670 | 5,257 |
| Average total loans | $63,479,670 | 4,655 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 689 |
| Cost of funding earning assets | 0.8673% | 2,939 |
| Net interest margin | 4.6857% | 701 |
| Noninterest income to average assets | 0.5747% | 3,384 |
| Noninterest expense to average assets | 3.2518% | 2,430 |
| Loan and lease loss provision to assets | 0.2149% | 2,801 |
| Net operating income to assets | 0.9055% | 2,892 |
| Return on assets (ROA) | 0.9765% | 2,775 |
| Pretax return on assets | 1.4811% | 1,923 |
| Return on Equity (ROE) | 9.3580% | 2,654 |
| Retained earnings to average equity (ytd only) | 9.3580% | 1,454 |
| Net charge-offs to loans | 0.0062% | 4,662 |
| Credit loss provision to net charge-offs | 4,600.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 94 |
| Efficiency ratio | 67.1815% | 4,324 |
| Assets per employee ($millions) | 4.7373% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 4,635 |
| Loan loss allowance to noncurrent loans | 333.3333% | 998 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 2,835 |
| Noncurrent loans to loans | 0.4187% | 5,832 |
| Net loans and leases to total assets | 74.5717% | 978 |
| Net loans and leases to deposits | 88.6887% | 1,088 |
| Net loans and leases to core deposits | 89.7781% | 1,869 |
| Total domestic deposits to total assets | 84.0825% | 4,444 |
| Equity capital to assets | 10.5980% | 3,377 |
| Core capital (leverage) ratio | 10.3257% | 2,959 |
| Tier 1 risk-based capital ratio | 13.0004% | 5,220 |
| Total risk-based capital ratio | 14.2509% | 5,190 |
| Memoranda: | ||
| Average total assets | $85,614,500 | 5,322 |
| Average earning assets | $77,939,000 | 5,302 |
| Average equity | $8,933,500 | 5,303 |
| Average total loans | $64,430,500 | 4,648 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 1,223 |
| Cost of funding earning assets | 1.3317% | 1,335 |
| Net interest margin | 4.1436% | 2,251 |
| Noninterest income to average assets | 0.6192% | 3,066 |
| Noninterest expense to average assets | 3.3198% | 2,459 |
| Loan and lease loss provision to assets | 0.0609% | 5,850 |
| Net operating income to assets | 0.6868% | 3,548 |
| Return on assets (ROA) | 0.6890% | 3,725 |
| Pretax return on assets | 1.0401% | 3,079 |
| Return on Equity (ROE) | 7.1952% | 3,309 |
| Retained earnings to average equity (ytd only) | 3.5976% | 3,657 |
| Net charge-offs to loans | 0.2660% | 4,107 |
| Credit loss provision to net charge-offs | 29.8913% | 5,787 |
| Earnings coverage of net charge-offs (x) | 5.3859% | 2,812 |
| Efficiency ratio | 75.1505% | 3,041 |
| Assets per employee ($millions) | 3.9072% | 4,057 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 4,758 |
| Loan loss allowance to noncurrent loans | 148.6111% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 2.0289% | 2,928 |
| Noncurrent loans to loans | 0.8948% | 4,896 |
| Net loans and leases to total assets | 73.8931% | 1,290 |
| Net loans and leases to deposits | 92.2944% | 943 |
| Net loans and leases to core deposits | 93.4720% | 1,754 |
| Total domestic deposits to total assets | 80.0624% | 5,724 |
| Equity capital to assets | 10.2725% | 3,817 |
| Core capital (leverage) ratio | 9.3120% | 4,310 |
| Tier 1 risk-based capital ratio | 12.1046% | 5,758 |
| Total risk-based capital ratio | 13.3264% | 5,765 |
| Memoranda: | ||
| Average total assets | $90,277,400 | 5,173 |
| Average earning assets | $82,753,400 | 5,152 |
| Average equity | $8,644,600 | 5,372 |
| Average total loans | $69,180,000 | 4,525 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 1,299 |
| Cost of funding earning assets | 1.3415% | 1,495 |
| Net interest margin | 4.1390% | 2,311 |
| Noninterest income to average assets | 0.6290% | 2,998 |
| Noninterest expense to average assets | 3.2691% | 2,599 |
| Loan and lease loss provision to assets | 0.0773% | 5,474 |
| Net operating income to assets | 0.7021% | 3,612 |
| Return on assets (ROA) | 0.7049% | 3,760 |
| Pretax return on assets | 1.0829% | 3,080 |
| Return on Equity (ROE) | 7.4897% | 3,285 |
| Retained earnings to average equity (ytd only) | 5.7685% | 2,695 |
| Net charge-offs to loans | 0.2538% | 3,849 |
| Credit loss provision to net charge-offs | 39.5522% | 5,261 |
| Earnings coverage of net charge-offs (x) | 5.9105% | 2,670 |
| Efficiency ratio | 73.8786% | 3,204 |
| Assets per employee ($millions) | 3.9822% | 3,889 |
| Cash dividends to net income (ytd only)* | 22.9821% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 4,728 |
| Loan loss allowance to noncurrent loans | 147.2313% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 2.0712% | 3,058 |
| Noncurrent loans to loans | 0.9247% | 5,031 |
| Net loans and leases to total assets | 71.5078% | 1,818 |
| Net loans and leases to deposits | 92.1283% | 1,000 |
| Net loans and leases to core deposits | 93.2631% | 1,849 |
| Total domestic deposits to total assets | 77.6176% | 6,272 |
| Equity capital to assets | 9.6888% | 4,792 |
| Core capital (leverage) ratio | 9.2595% | 4,531 |
| Tier 1 risk-based capital ratio | 11.8819% | 5,973 |
| Total risk-based capital ratio | 13.1324% | 5,954 |
| Memoranda: | ||
| Average total assets | $91,357,250 | 5,189 |
| Average earning assets | $83,785,750 | 5,166 |
| Average equity | $8,598,250 | 5,411 |
| Average total loans | $70,381,750 | 4,510 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 1,186 |
| Cost of funding earning assets | 1.3641% | 1,579 |
| Net interest margin | 4.1852% | 2,098 |
| Noninterest income to average assets | 0.6113% | 3,060 |
| Noninterest expense to average assets | 3.2976% | 2,577 |
| Loan and lease loss provision to assets | 0.0855% | 5,239 |
| Net operating income to assets | 0.6916% | 3,582 |
| Return on assets (ROA) | 0.6902% | 3,711 |
| Pretax return on assets | 1.0714% | 2,963 |
| Return on Equity (ROE) | 7.4062% | 3,236 |
| Retained earnings to average equity (ytd only) | 5.8780% | 2,503 |
| Net charge-offs to loans | 0.3458% | 3,171 |
| Credit loss provision to net charge-offs | 31.4516% | 4,966 |
| Earnings coverage of net charge-offs (x) | 4.2661% | 2,911 |
| Efficiency ratio | 73.9921% | 3,364 |
| Assets per employee ($millions) | 4.0290% | 3,694 |
| Cash dividends to net income (ytd only)* | 20.6349% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,925 |
| Loan loss allowance to noncurrent loans | 148.5149% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 2.3256% | 2,830 |
| Noncurrent loans to loans | 0.8957% | 5,174 |
| Net loans and leases to total assets | 72.0415% | 1,775 |
| Net loans and leases to deposits | 92.1054% | 1,051 |
| Net loans and leases to core deposits | 93.2140% | 1,995 |
| Total domestic deposits to total assets | 78.2164% | 6,245 |
| Equity capital to assets | 9.3540% | 5,066 |
| Core capital (leverage) ratio | 9.2077% | 4,391 |
| Tier 1 risk-based capital ratio | 11.6511% | 6,048 |
| Total risk-based capital ratio | 12.8967% | 6,050 |
| Memoranda: | ||
| Average total assets | $91,279,670 | 5,226 |
| Average earning assets | $83,867,670 | 5,201 |
| Average equity | $8,506,330 | 5,454 |
| Average total loans | $71,709,670 | 4,511 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6400% | 992 |
| Cost of funding earning assets | 1.3980% | 1,622 |
| Net interest margin | 4.2420% | 1,778 |
| Noninterest income to average assets | 0.6182% | 3,047 |
| Noninterest expense to average assets | 3.3780% | 2,339 |
| Loan and lease loss provision to assets | 0.0132% | 5,745 |
| Net operating income to assets | 0.7153% | 3,451 |
| Return on assets (ROA) | 0.7153% | 3,515 |
| Pretax return on assets | 1.1260% | 2,663 |
| Return on Equity (ROE) | 7.6909% | 3,047 |
| Retained earnings to average equity (ytd only) | 6.2667% | 2,484 |
| Net charge-offs to loans | -0.0217% | 6,594 |
| Credit loss provision to net charge-offs | -75.0000% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7801% | 3,371 |
| Assets per employee ($millions) | 3.9728% | 3,891 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,780 |
| Loan loss allowance to noncurrent loans | 356.8345% | 874 |
| Noncurrent assets plus other real estate owned to assets | 1.9995% | 3,316 |
| Noncurrent loans to loans | 0.3857% | 6,224 |
| Net loans and leases to total assets | 77.7967% | 757 |
| Net loans and leases to deposits | 99.4099% | 503 |
| Net loans and leases to core deposits | 100.6171% | 1,287 |
| Total domestic deposits to total assets | 78.2586% | 6,344 |
| Equity capital to assets | 9.2980% | 4,731 |
| Core capital (leverage) ratio | 9.1946% | 4,296 |
| Tier 1 risk-based capital ratio | 11.0020% | 6,509 |
| Total risk-based capital ratio | 12.2527% | 6,489 |
| Memoranda: | ||
| Average total assets | $90,586,500 | 5,273 |
| Average earning assets | $83,262,500 | 5,261 |
| Average equity | $8,425,500 | 5,481 |
| Average total loans | $73,735,500 | 4,473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9120% | 1,017 |
| Cost of funding earning assets | 1.6175% | 1,966 |
| Net interest margin | 4.2945% | 1,834 |
| Noninterest income to average assets | 0.6826% | 2,954 |
| Noninterest expense to average assets | 3.5144% | 2,135 |
| Loan and lease loss provision to assets | 0.9501% | 1,713 |
| Net operating income to assets | 0.0897% | 5,612 |
| Return on assets (ROA) | 0.1431% | 5,617 |
| Pretax return on assets | 0.2162% | 5,451 |
| Return on Equity (ROE) | 1.6106% | 5,522 |
| Retained earnings to average equity (ytd only) | 0.3443% | 5,407 |
| Net charge-offs to loans | 0.7960% | 2,647 |
| Credit loss provision to net charge-offs | 140.5493% | 2,685 |
| Earnings coverage of net charge-offs (x) | 1.6058% | 4,531 |
| Efficiency ratio | 76.4008% | 2,989 |
| Assets per employee ($millions) | 3.7416% | 4,379 |
| Cash dividends to net income (ytd only)* | 78.6260% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 4,973 |
| Loan loss allowance to noncurrent loans | 342.0139% | 909 |
| Noncurrent assets plus other real estate owned to assets | 2.0457% | 3,291 |
| Noncurrent loans to loans | 0.3820% | 6,277 |
| Net loans and leases to total assets | 82.8606% | 394 |
| Net loans and leases to deposits | 106.1001% | 319 |
| Net loans and leases to core deposits | 107.8299% | 1,061 |
| Total domestic deposits to total assets | 78.0966% | 6,293 |
| Equity capital to assets | 9.3041% | 4,683 |
| Core capital (leverage) ratio | 8.7152% | 4,991 |
| Tier 1 risk-based capital ratio | 10.5006% | 6,702 |
| Total risk-based capital ratio | 11.7512% | 6,680 |
| Memoranda: | ||
| Average total assets | $91,565,400 | 5,238 |
| Average earning assets | $83,525,200 | 5,229 |
| Average equity | $8,133,600 | 5,674 |
| Average total loans | $77,768,600 | 4,401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 1,114 |
| Cost of funding earning assets | 1.6452% | 2,134 |
| Net interest margin | 4.2642% | 1,973 |
| Noninterest income to average assets | 0.6709% | 3,011 |
| Noninterest expense to average assets | 3.5764% | 1,842 |
| Loan and lease loss provision to assets | 1.2434% | 1,135 |
| Net operating income to assets | -0.2652% | 6,394 |
| Return on assets (ROA) | -0.1580% | 6,338 |
| Pretax return on assets | -0.1580% | 6,278 |
| Return on Equity (ROE) | -1.7990% | 6,377 |
| Retained earnings to average equity (ytd only) | -3.4990% | 6,407 |
| Net charge-offs to loans | 1.0362% | 1,952 |
| Credit loss provision to net charge-offs | 140.8867% | 2,812 |
| Earnings coverage of net charge-offs (x) | 1.1084% | 4,950 |
| Efficiency ratio | 78.5237% | 2,557 |
| Assets per employee ($millions) | 3.8750% | 4,088 |
| Cash dividends to net income (ytd only)* | -94.4953% | 7,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,209 |
| Loan loss allowance to noncurrent loans | 191.2451% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 2.2183% | 3,174 |
| Noncurrent loans to loans | 0.6554% | 5,896 |
| Net loans and leases to total assets | 83.2676% | 384 |
| Net loans and leases to deposits | 105.4511% | 381 |
| Net loans and leases to core deposits | 107.4588% | 1,200 |
| Total domestic deposits to total assets | 78.9632% | 6,028 |
| Equity capital to assets | 8.7807% | 5,888 |
| Core capital (leverage) ratio | 8.5992% | 5,349 |
| Tier 1 risk-based capital ratio | 9.9025% | 7,115 |
| Total risk-based capital ratio | 11.1298% | 7,114 |
| Memoranda: | ||
| Average total assets | $92,007,000 | 5,289 |
| Average earning assets | $83,796,750 | 5,282 |
| Average equity | $8,078,250 | 5,761 |
| Average total loans | $78,362,500 | 4,451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8769% | 1,237 |
| Cost of funding earning assets | 1.6726% | 2,277 |
| Net interest margin | 4.2043% | 2,144 |
| Noninterest income to average assets | 0.6327% | 3,111 |
| Noninterest expense to average assets | 3.6149% | 1,743 |
| Loan and lease loss provision to assets | 1.4726% | 903 |
| Net operating income to assets | -0.7417% | 6,832 |
| Return on assets (ROA) | -0.7330% | 6,843 |
| Pretax return on assets | -0.6130% | 6,668 |
| Return on Equity (ROE) | -8.3489% | 6,911 |
| Retained earnings to average equity (ytd only) | -9.9143% | 6,913 |
| Net charge-offs to loans | 0.6152% | 2,687 |
| Credit loss provision to net charge-offs | 280.0830% | 1,324 |
| Earnings coverage of net charge-offs (x) | 1.6183% | 4,282 |
| Efficiency ratio | 80.9477% | 2,307 |
| Assets per employee ($millions) | 4.0160% | 3,743 |
| Cash dividends to net income (ytd only)* | -18.7500% | 7,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 4,062 |
| Loan loss allowance to noncurrent loans | 91.8239% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 2.5691% | 2,822 |
| Noncurrent loans to loans | 1.6024% | 4,308 |
| Net loans and leases to total assets | 84.6765% | 305 |
| Net loans and leases to deposits | 107.9350% | 325 |
| Net loans and leases to core deposits | 109.2390% | 1,217 |
| Total domestic deposits to total assets | 78.4514% | 6,162 |
| Equity capital to assets | 8.6545% | 5,939 |
| Core capital (leverage) ratio | 8.3024% | 5,767 |
| Tier 1 risk-based capital ratio | 10.3368% | 6,809 |
| Total risk-based capital ratio | 11.5902% | 6,789 |
| Memoranda: | ||
| Average total assets | $91,676,330 | 5,333 |
| Average earning assets | $83,581,330 | 5,311 |
| Average equity | $8,049,000 | 5,782 |
| Average total loans | $78,343,000 | 4,496 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8593% | 1,298 |
| Cost of funding earning assets | 1.6700% | 2,540 |
| Net interest margin | 4.1894% | 2,082 |
| Noninterest income to average assets | 0.5694% | 3,493 |
| Noninterest expense to average assets | 3.6308% | 1,666 |
| Loan and lease loss provision to assets | 2.8906% | 350 |
| Net operating income to assets | -2.3694% | 7,532 |
| Return on assets (ROA) | -2.3519% | 7,533 |
| Pretax return on assets | -2.1110% | 7,438 |
| Return on Equity (ROE) | -26.5957% | 7,526 |
| Retained earnings to average equity (ytd only) | -28.4777% | 7,515 |
| Net charge-offs to loans | 1.2387% | 1,372 |
| Credit loss provision to net charge-offs | 273.8589% | 1,446 |
| Earnings coverage of net charge-offs (x) | 0.7220% | 4,381 |
| Efficiency ratio | 82.6520% | 2,184 |
| Assets per employee ($millions) | 4.0347% | 3,796 |
| Cash dividends to net income (ytd only)* | -7.0764% | 7,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 4,029 |
| Loan loss allowance to noncurrent loans | 112.7077% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 2.2888% | 3,164 |
| Noncurrent loans to loans | 1.3109% | 4,789 |
| Net loans and leases to total assets | 82.8542% | 485 |
| Net loans and leases to deposits | 106.1066% | 419 |
| Net loans and leases to core deposits | 106.1066% | 1,566 |
| Total domestic deposits to total assets | 78.0857% | 6,294 |
| Equity capital to assets | 8.3957% | 6,161 |
| Core capital (leverage) ratio | 8.2553% | 5,824 |
| Tier 1 risk-based capital ratio | 10.3347% | 6,776 |
| Total risk-based capital ratio | 11.6022% | 6,759 |
| Memoranda: | ||
| Average total assets | $91,330,500 | 5,411 |
| Average earning assets | $83,354,000 | 5,386 |
| Average equity | $8,076,500 | 5,820 |
| Average total loans | $77,823,500 | 4,582 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0228% | 1,777 |
| Cost of funding earning assets | 2.0044% | 2,939 |
| Net interest margin | 4.0184% | 2,794 |
| Noninterest income to average assets | 0.6507% | 3,285 |
| Noninterest expense to average assets | 3.3760% | 2,757 |
| Loan and lease loss provision to assets | 0.1845% | 5,861 |
| Net operating income to assets | 0.4974% | 3,741 |
| Return on assets (ROA) | 0.6245% | 3,296 |
| Pretax return on assets | 0.9685% | 2,694 |
| Return on Equity (ROE) | 7.0377% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.8935% | 1,392 |
| Net charge-offs to loans | 0.1482% | 5,761 |
| Credit loss provision to net charge-offs | 148.2456% | 3,159 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,097 |
| Efficiency ratio | 77.9627% | 3,198 |
| Assets per employee ($millions) | 3.7443% | 4,410 |
| Cash dividends to net income (ytd only)* | 16.2587% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,650 |
| Loan loss allowance to noncurrent loans | 77.1008% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.2423% | 3,080 |
| Noncurrent loans to loans | 1.2267% | 4,897 |
| Net loans and leases to total assets | 85.5447% | 306 |
| Net loans and leases to deposits | 112.0745% | 315 |
| Net loans and leases to core deposits | 123.4908% | 1,677 |
| Total domestic deposits to total assets | 76.3284% | 6,612 |
| Equity capital to assets | 9.3053% | 4,695 |
| Core capital (leverage) ratio | 9.0363% | 4,363 |
| Tier 1 risk-based capital ratio | 11.0526% | 5,875 |
| Total risk-based capital ratio | 12.0489% | 6,085 |
| Memoranda: | ||
| Average total assets | $91,587,000 | 5,349 |
| Average earning assets | $83,864,200 | 5,335 |
| Average equity | $8,127,600 | 5,877 |
| Average total loans | $76,942,200 | 4,624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0218% | 1,948 |
| Cost of funding earning assets | 2.0688% | 3,037 |
| Net interest margin | 3.9530% | 3,020 |
| Noninterest income to average assets | 0.6361% | 3,451 |
| Noninterest expense to average assets | 3.4239% | 2,498 |
| Loan and lease loss provision to assets | 0.1666% | 5,691 |
| Net operating income to assets | 0.4389% | 4,236 |
| Return on assets (ROA) | 0.5839% | 3,729 |
| Pretax return on assets | 0.8984% | 3,230 |
| Return on Equity (ROE) | 6.6591% | 3,231 |
| Retained earnings to average equity (ytd only) | 5.2546% | 2,341 |
| Net charge-offs to loans | 0.0330% | 6,434 |
| Credit loss provision to net charge-offs | 605.2632% | 628 |
| Earnings coverage of net charge-offs (x) | 30.5823% | 925 |
| Efficiency ratio | 80.2649% | 2,801 |
| Assets per employee ($millions) | 3.8272% | 4,133 |
| Cash dividends to net income (ytd only)* | 21.0917% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,341 |
| Loan loss allowance to noncurrent loans | 56.5281% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.6096% | 2,669 |
| Noncurrent loans to loans | 1.7553% | 3,981 |
| Net loans and leases to total assets | 84.1909% | 518 |
| Net loans and leases to deposits | 113.3454% | 350 |
| Net loans and leases to core deposits | 125.8069% | 1,752 |
| Total domestic deposits to total assets | 74.2782% | 6,902 |
| Equity capital to assets | 8.9524% | 5,552 |
| Core capital (leverage) ratio | 8.6523% | 5,217 |
| Tier 1 risk-based capital ratio | 10.8443% | 6,109 |
| Total risk-based capital ratio | 11.8970% | 6,281 |
| Memoranda: | ||
| Average total assets | $92,018,000 | 5,367 |
| Average earning assets | $84,490,750 | 5,356 |
| Average equity | $8,069,000 | 5,961 |
| Average total loans | $76,776,000 | 4,668 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0770% | 1,867 |
| Cost of funding earning assets | 2.1416% | 3,080 |
| Net interest margin | 3.9353% | 2,955 |
| Noninterest income to average assets | 0.5930% | 3,752 |
| Noninterest expense to average assets | 3.4451% | 2,506 |
| Loan and lease loss provision to assets | 0.1586% | 5,484 |
| Net operating income to assets | 0.3988% | 4,516 |
| Return on assets (ROA) | 0.5235% | 4,120 |
| Pretax return on assets | 0.7907% | 3,700 |
| Return on Equity (ROE) | 6.0117% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.2656% | 2,929 |
| Net charge-offs to loans | 0.0419% | 5,878 |
| Credit loss provision to net charge-offs | 456.2500% | 1,017 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,245 |
| Efficiency ratio | 81.9215% | 2,731 |
| Assets per employee ($millions) | 3.7030% | 4,320 |
| Cash dividends to net income (ytd only)* | 29.0456% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,493 |
| Loan loss allowance to noncurrent loans | 58.7390% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 4,218 |
| Noncurrent loans to loans | 1.6374% | 4,042 |
| Net loans and leases to total assets | 81.8688% | 978 |
| Net loans and leases to deposits | 109.7213% | 562 |
| Net loans and leases to core deposits | 123.2057% | 2,097 |
| Total domestic deposits to total assets | 74.6152% | 6,844 |
| Equity capital to assets | 8.6913% | 5,765 |
| Core capital (leverage) ratio | 8.4818% | 5,482 |
| Tier 1 risk-based capital ratio | 10.8635% | 6,019 |
| Total risk-based capital ratio | 11.8840% | 6,184 |
| Memoranda: | ||
| Average total assets | $92,073,330 | 5,405 |
| Average earning assets | $84,516,000 | 5,392 |
| Average equity | $8,017,670 | 6,019 |
| Average total loans | $76,332,670 | 4,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1576% | 1,733 |
| Cost of funding earning assets | 2.2202% | 3,059 |
| Net interest margin | 3.9375% | 2,896 |
| Noninterest income to average assets | 0.5837% | 3,662 |
| Noninterest expense to average assets | 3.4284% | 2,284 |
| Loan and lease loss provision to assets | 0.1394% | 5,169 |
| Net operating income to assets | 0.4269% | 4,758 |
| Return on assets (ROA) | 0.4269% | 4,931 |
| Pretax return on assets | 0.6317% | 4,651 |
| Return on Equity (ROE) | 4.8979% | 4,516 |
| Retained earnings to average equity (ytd only) | 1.3994% | 5,073 |
| Net charge-offs to loans | 0.0577% | 4,662 |
| Credit loss provision to net charge-offs | 290.9091% | 1,667 |
| Earnings coverage of net charge-offs (x) | 16.0909% | 1,569 |
| Efficiency ratio | 81.6390% | 2,591 |
| Assets per employee ($millions) | 3.5647% | 4,658 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,657 |
| Loan loss allowance to noncurrent loans | 80.2752% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 4,799 |
| Noncurrent loans to loans | 1.1454% | 4,701 |
| Net loans and leases to total assets | 81.3856% | 1,120 |
| Net loans and leases to deposits | 112.1671% | 515 |
| Net loans and leases to core deposits | 125.8976% | 1,920 |
| Total domestic deposits to total assets | 72.5575% | 7,122 |
| Equity capital to assets | 8.6447% | 5,852 |
| Core capital (leverage) ratio | 8.3531% | 5,805 |
| Tier 1 risk-based capital ratio | 10.8124% | 6,080 |
| Total risk-based capital ratio | 11.7962% | 6,254 |
| Memoranda: | ||
| Average total assets | $91,822,500 | 5,429 |
| Average earning assets | $84,318,000 | 5,419 |
| Average equity | $8,003,500 | 6,063 |
| Average total loans | $76,236,000 | 4,756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6455% | 2,266 |
| Cost of funding earning assets | 2.6440% | 3,468 |
| Net interest margin | 4.0015% | 3,101 |
| Noninterest income to average assets | 0.8099% | 2,463 |
| Noninterest expense to average assets | 3.4864% | 2,433 |
| Loan and lease loss provision to assets | 0.2122% | 4,770 |
| Net operating income to assets | 0.4906% | 4,781 |
| Return on assets (ROA) | 0.5036% | 4,562 |
| Pretax return on assets | 0.7526% | 4,237 |
| Return on Equity (ROE) | 5.6918% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.2380% | 1,888 |
| Net charge-offs to loans | 0.1276% | 4,964 |
| Credit loss provision to net charge-offs | 201.0870% | 2,418 |
| Earnings coverage of net charge-offs (x) | 8.9565% | 2,786 |
| Efficiency ratio | 78.6694% | 2,809 |
| Assets per employee ($millions) | 3.6386% | 4,319 |
| Cash dividends to net income (ytd only)* | 7.9727% | 4,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,734 |
| Loan loss allowance to noncurrent loans | 74.8622% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 4,276 |
| Noncurrent loans to loans | 1.1881% | 4,132 |
| Net loans and leases to total assets | 83.1802% | 1,017 |
| Net loans and leases to deposits | 119.4211% | 397 |
| Net loans and leases to core deposits | 134.5664% | 1,563 |
| Total domestic deposits to total assets | 69.6528% | 7,318 |
| Equity capital to assets | 8.7892% | 5,672 |
| Core capital (leverage) ratio | 8.6429% | 5,297 |
| Tier 1 risk-based capital ratio | 10.5247% | 6,185 |
| Total risk-based capital ratio | 11.4572% | 6,375 |
| Memoranda: | ||
| Average total assets | $87,167,400 | 5,445 |
| Average earning assets | $78,895,200 | 5,466 |
| Average equity | $7,712,800 | 6,205 |
| Average total loans | $72,126,600 | 4,794 |