Home > SouthernTrust Bank > Performance and Condition Ratios
SouthernTrust 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 | 5.3534% | 1,392 |
| Cost of funding earning assets | 2.1077% | 768 |
| Net interest margin | 3.2457% | 2,760 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.0329% | 3,546 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0625% | 2,031 |
| Return on assets (ROA) | 1.0553% | 2,019 |
| Pretax return on assets | 1.3255% | 1,807 |
| Return on Equity (ROE) | 11.0000% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.2030% | 1,476 |
| Net charge-offs to loans | -0.0057% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.3582% | 3,152 |
| Assets per employee ($millions) | 8.5634% | 1,155 |
| Cash dividends to net income (ytd only)* | 25.4144% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,115 |
| Loan loss allowance to noncurrent loans | 129.2560% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 855 |
| Noncurrent loans to loans | 0.8038% | 965 |
| Net loans and leases to total assets | 71.2500% | 1,669 |
| Net loans and leases to deposits | 98.3449% | 630 |
| Net loans and leases to core deposits | 107.1959% | 1,062 |
| Total domestic deposits to total assets | 72.4500% | 4,203 |
| Equity capital to assets | 9.5337% | 2,326 |
| Core capital (leverage) ratio | 9.1209% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $257,267,200 | 2,638 |
| Average earning assets | $239,024,800 | 2,635 |
| Average equity | $24,686,200 | 2,538 |
| Average total loans | $193,209,600 | 2,338 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 1,381 |
| Cost of funding earning assets | 1.9309% | 814 |
| Net interest margin | 3.3065% | 2,670 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.0030% | 3,592 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0321% | 2,272 |
| Return on assets (ROA) | 1.0221% | 2,283 |
| Pretax return on assets | 1.3719% | 1,842 |
| Return on Equity (ROE) | 10.6300% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.6458% | 2,094 |
| Net charge-offs to loans | -0.0069% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.0784% | 3,197 |
| Assets per employee ($millions) | 8.1909% | 1,260 |
| Cash dividends to net income (ytd only)* | 28.0928% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,174 |
| Loan loss allowance to noncurrent loans | 120.7491% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 812 |
| Noncurrent loans to loans | 0.8585% | 965 |
| Net loans and leases to total assets | 73.9800% | 1,344 |
| Net loans and leases to deposits | 103.1487% | 382 |
| Net loans and leases to core deposits | 113.4766% | 753 |
| Total domestic deposits to total assets | 71.7200% | 4,264 |
| Equity capital to assets | 9.4255% | 2,141 |
| Core capital (leverage) ratio | 9.2892% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $253,077,000 | 2,673 |
| Average earning assets | $234,842,500 | 2,668 |
| Average equity | $24,326,500 | 2,547 |
| Average total loans | $192,186,500 | 2,343 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 1,424 |
| Cost of funding earning assets | 1.7597% | 804 |
| Net interest margin | 3.3065% | 2,736 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.0235% | 3,540 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0197% | 2,358 |
| Return on assets (ROA) | 1.0197% | 2,347 |
| Pretax return on assets | 1.3732% | 1,880 |
| Return on Equity (ROE) | 10.5400% | 2,546 |
| Retained earnings to average equity (ytd only) | 7.6858% | 2,069 |
| Net charge-offs to loans | 0.0084% | 1,894 |
| Credit loss provision to net charge-offs | 712.5000% | 514 |
| Earnings coverage of net charge-offs (x) | 221.7500% | 550 |
| Efficiency ratio | 58.4108% | 3,146 |
| Assets per employee ($millions) | 7.7518% | 1,441 |
| Cash dividends to net income (ytd only)* | 27.0588% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,320 |
| Loan loss allowance to noncurrent loans | 104.0689% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 634 |
| Noncurrent loans to loans | 0.9843% | 769 |
| Net loans and leases to total assets | 75.3500% | 1,121 |
| Net loans and leases to deposits | 105.9658% | 310 |
| Net loans and leases to core deposits | 112.7380% | 721 |
| Total domestic deposits to total assets | 71.1100% | 4,326 |
| Equity capital to assets | 9.5805% | 2,105 |
| Core capital (leverage) ratio | 9.2221% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $250,066,333 | 2,691 |
| Average earning assets | $232,089,333 | 2,692 |
| Average equity | $24,200,333 | 2,561 |
| Average total loans | $190,937,667 | 2,346 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 1,453 |
| Cost of funding earning assets | 1.5459% | 776 |
| Net interest margin | 3.3330% | 2,787 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.0890% | 3,405 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9288% | 2,760 |
| Return on assets (ROA) | 0.9288% | 2,719 |
| Pretax return on assets | 1.2508% | 2,299 |
| Return on Equity (ROE) | 9.5500% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.2213% | 2,707 |
| Net charge-offs to loans | 0.0021% | 1,956 |
| Credit loss provision to net charge-offs | 3,900.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 812.0000% | 135 |
| Efficiency ratio | 61.0081% | 2,825 |
| Assets per employee ($millions) | 7.7713% | 1,476 |
| Cash dividends to net income (ytd only)* | 34.8432% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,363 |
| Loan loss allowance to noncurrent loans | 91.1765% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 517 |
| Noncurrent loans to loans | 1.1352% | 626 |
| Net loans and leases to total assets | 76.2800% | 948 |
| Net loans and leases to deposits | 110.1079% | 181 |
| Net loans and leases to core deposits | 116.2949% | 529 |
| Total domestic deposits to total assets | 69.2800% | 4,437 |
| Equity capital to assets | 9.6763% | 2,019 |
| Core capital (leverage) ratio | 9.2386% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $247,194,500 | 2,739 |
| Average earning assets | $228,740,000 | 2,746 |
| Average equity | $24,046,500 | 2,598 |
| Average total loans | $189,031,500 | 2,379 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 380 |
| Cost of funding earning assets | 0.7939% | 392 |
| Net interest margin | 4.0671% | 708 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.3588% | 2,552 |
| Loan and lease loss provision to assets | 0.5900% | 94 |
| Net operating income to assets | 0.9621% | 2,714 |
| Return on assets (ROA) | 0.9621% | 2,660 |
| Pretax return on assets | 1.2421% | 2,303 |
| Return on Equity (ROE) | 9.1700% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.5368% | 1,628 |
| Net charge-offs to loans | 0.6365% | 111 |
| Credit loss provision to net charge-offs | 121.3309% | 1,453 |
| Earnings coverage of net charge-offs (x) | 3.7612% | 2,451 |
| Efficiency ratio | 55.9148% | 3,593 |
| Assets per employee ($millions) | 6.6408% | 2,230 |
| Cash dividends to net income (ytd only)* | 6.9284% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 3,937 |
| Loan loss allowance to noncurrent loans | 46.6607% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 240 |
| Noncurrent loans to loans | 1.8077% | 329 |
| Net loans and leases to total assets | 75.2100% | 1,104 |
| Net loans and leases to deposits | 103.9428% | 301 |
| Net loans and leases to core deposits | 109.8567% | 616 |
| Total domestic deposits to total assets | 72.3600% | 4,419 |
| Equity capital to assets | 9.7799% | 1,838 |
| Core capital (leverage) ratio | 9.6291% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $225,028,800 | 2,874 |
| Average earning assets | $204,445,400 | 2,899 |
| Average equity | $23,603,600 | 2,662 |
| Average total loans | $172,351,600 | 2,433 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 256 |
| Cost of funding earning assets | 0.6381% | 355 |
| Net interest margin | 4.2223% | 398 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.3930% | 2,358 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.3978% | 1,099 |
| Return on assets (ROA) | 1.3978% | 1,069 |
| Pretax return on assets | 1.8660% | 637 |
| Return on Equity (ROE) | 13.0800% | 1,673 |
| Retained earnings to average equity (ytd only) | 12.2282% | 742 |
| Net charge-offs to loans | 0.0111% | 1,702 |
| Credit loss provision to net charge-offs | 1,121.4286% | 383 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 573 |
| Efficiency ratio | 54.6100% | 3,767 |
| Assets per employee ($millions) | 5.7153% | 3,021 |
| Cash dividends to net income (ytd only)* | 6.5076% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 4,024 |
| Loan loss allowance to noncurrent loans | 80.9732% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 610 |
| Noncurrent loans to loans | 1.0216% | 744 |
| Net loans and leases to total assets | 75.7700% | 927 |
| Net loans and leases to deposits | 104.3305% | 231 |
| Net loans and leases to core deposits | 108.6314% | 512 |
| Total domestic deposits to total assets | 72.6300% | 4,497 |
| Equity capital to assets | 10.2164% | 1,510 |
| Core capital (leverage) ratio | 10.3760% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $219,859,000 | 2,921 |
| Average earning assets | $198,307,500 | 2,969 |
| Average equity | $23,497,000 | 2,705 |
| Average total loans | $168,846,250 | 2,466 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 166 |
| Cost of funding earning assets | 0.5633% | 361 |
| Net interest margin | 4.4487% | 211 |
| Noninterest income to average assets | 0.6092% | 1,696 |
| Noninterest expense to average assets | 2.4349% | 2,131 |
| Loan and lease loss provision to assets | 0.1218% | 816 |
| Net operating income to assets | 1.5476% | 623 |
| Return on assets (ROA) | 1.5476% | 604 |
| Pretax return on assets | 2.0778% | 317 |
| Return on Equity (ROE) | 14.2531% | 1,053 |
| Retained earnings to average equity (ytd only) | 12.9683% | 470 |
| Net charge-offs to loans | 0.0157% | 1,441 |
| Credit loss provision to net charge-offs | 1,007.6923% | 400 |
| Earnings coverage of net charge-offs (x) | 181.9231% | 570 |
| Efficiency ratio | 52.1975% | 4,116 |
| Assets per employee ($millions) | 5.3787% | 3,362 |
| Cash dividends to net income (ytd only)* | 9.0144% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 4,040 |
| Loan loss allowance to noncurrent loans | 73.1291% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 501 |
| Noncurrent loans to loans | 1.1862% | 676 |
| Net loans and leases to total assets | 75.4506% | 783 |
| Net loans and leases to deposits | 98.8123% | 314 |
| Net loans and leases to core deposits | 102.3580% | 575 |
| Total domestic deposits to total assets | 76.3575% | 4,445 |
| Equity capital to assets | 10.6640% | 1,368 |
| Core capital (leverage) ratio | 10.6203% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,036,000 | 2,986 |
| Average earning assets | $194,574,667 | 3,033 |
| Average equity | $23,349,333 | 2,790 |
| Average total loans | $165,449,000 | 2,505 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 100 |
| Cost of funding earning assets | 0.5290% | 424 |
| Net interest margin | 4.8815% | 105 |
| Noninterest income to average assets | 0.6934% | 1,335 |
| Noninterest expense to average assets | 2.3157% | 2,440 |
| Loan and lease loss provision to assets | 0.1903% | 392 |
| Net operating income to assets | 1.9238% | 255 |
| Return on assets (ROA) | 1.9238% | 257 |
| Pretax return on assets | 2.6209% | 150 |
| Return on Equity (ROE) | 17.5539% | 369 |
| Retained earnings to average equity (ytd only) | 14.9750% | 288 |
| Net charge-offs to loans | 0.0122% | 1,317 |
| Credit loss provision to net charge-offs | 2,020.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 298.4000% | 321 |
| Efficiency ratio | 44.8365% | 4,533 |
| Assets per employee ($millions) | 5.6611% | 3,161 |
| Cash dividends to net income (ytd only)* | 14.6915% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,092 |
| Loan loss allowance to noncurrent loans | 69.0087% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 533 |
| Noncurrent loans to loans | 1.2746% | 686 |
| Net loans and leases to total assets | 75.1203% | 571 |
| Net loans and leases to deposits | 100.3278% | 167 |
| Net loans and leases to core deposits | 104.4798% | 379 |
| Total domestic deposits to total assets | 74.8748% | 4,544 |
| Equity capital to assets | 10.9021% | 1,383 |
| Core capital (leverage) ratio | 10.6596% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,290,500 | 3,023 |
| Average earning assets | $192,810,000 | 3,056 |
| Average equity | $23,265,500 | 2,886 |
| Average total loans | $164,251,000 | 2,516 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8541% | 92 |
| Cost of funding earning assets | 0.5516% | 705 |
| Net interest margin | 5.3025% | 101 |
| Noninterest income to average assets | 0.4386% | 2,864 |
| Noninterest expense to average assets | 2.4684% | 2,284 |
| Loan and lease loss provision to assets | 0.2632% | 336 |
| Net operating income to assets | 1.9252% | 389 |
| Return on assets (ROA) | 1.9424% | 400 |
| Pretax return on assets | 2.6036% | 225 |
| Return on Equity (ROE) | 19.0872% | 374 |
| Retained earnings to average equity (ytd only) | 14.4431% | 273 |
| Net charge-offs to loans | 0.0189% | 1,900 |
| Credit loss provision to net charge-offs | 1,856.6667% | 327 |
| Earnings coverage of net charge-offs (x) | 200.6667% | 544 |
| Efficiency ratio | 46.1265% | 4,496 |
| Assets per employee ($millions) | 5.5121% | 3,245 |
| Cash dividends to net income (ytd only)* | 24.3309% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 4,252 |
| Loan loss allowance to noncurrent loans | 76.2828% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 704 |
| Noncurrent loans to loans | 1.0600% | 920 |
| Net loans and leases to total assets | 78.3589% | 359 |
| Net loans and leases to deposits | 109.8882% | 82 |
| Net loans and leases to core deposits | 114.7916% | 220 |
| Total domestic deposits to total assets | 71.3079% | 4,659 |
| Equity capital to assets | 11.0180% | 1,776 |
| Core capital (leverage) ratio | 10.9000% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,595,000 | 2,973 |
| Average earning assets | $194,530,200 | 3,000 |
| Average equity | $21,532,800 | 3,090 |
| Average total loans | $158,511,200 | 2,561 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7028% | 121 |
| Cost of funding earning assets | 0.5582% | 794 |
| Net interest margin | 5.1447% | 130 |
| Noninterest income to average assets | 0.3935% | 3,131 |
| Noninterest expense to average assets | 2.3960% | 2,453 |
| Loan and lease loss provision to assets | 0.2244% | 438 |
| Net operating income to assets | 1.8904% | 570 |
| Return on assets (ROA) | 1.9133% | 566 |
| Pretax return on assets | 2.5468% | 320 |
| Return on Equity (ROE) | 19.1926% | 492 |
| Retained earnings to average equity (ytd only) | 13.8333% | 522 |
| Net charge-offs to loans | 0.0272% | 1,500 |
| Credit loss provision to net charge-offs | 1,115.6250% | 488 |
| Earnings coverage of net charge-offs (x) | 136.3438% | 718 |
| Efficiency ratio | 46.2997% | 4,485 |
| Assets per employee ($millions) | 5.3575% | 3,343 |
| Cash dividends to net income (ytd only)* | 27.9238% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 4,533 |
| Loan loss allowance to noncurrent loans | 61.8736% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 816 |
| Noncurrent loans to loans | 1.1000% | 1,021 |
| Net loans and leases to total assets | 77.3564% | 439 |
| Net loans and leases to deposits | 116.6535% | 50 |
| Net loans and leases to core deposits | 122.3497% | 162 |
| Total domestic deposits to total assets | 66.3130% | 4,791 |
| Equity capital to assets | 10.3794% | 2,546 |
| Core capital (leverage) ratio | 10.3229% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,129,250 | 2,996 |
| Average earning assets | $195,640,500 | 3,025 |
| Average equity | $21,146,500 | 3,157 |
| Average total loans | $156,772,250 | 2,613 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 239 |
| Cost of funding earning assets | 0.5668% | 878 |
| Net interest margin | 4.6847% | 272 |
| Noninterest income to average assets | 0.3699% | 3,263 |
| Noninterest expense to average assets | 2.3982% | 2,473 |
| Loan and lease loss provision to assets | 0.1135% | 1,113 |
| Net operating income to assets | 1.5622% | 1,140 |
| Return on assets (ROA) | 1.5808% | 1,149 |
| Pretax return on assets | 2.1901% | 588 |
| Return on Equity (ROE) | 16.0820% | 943 |
| Retained earnings to average equity (ytd only) | 16.0820% | 332 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8999% | 4,150 |
| Assets per employee ($millions) | 5.8969% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5312% | 4,718 |
| Loan loss allowance to noncurrent loans | 58.4065% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 1,220 |
| Noncurrent loans to loans | 0.9095% | 1,360 |
| Net loans and leases to total assets | 73.9043% | 764 |
| Net loans and leases to deposits | 119.8255% | 57 |
| Net loans and leases to core deposits | 125.1147% | 166 |
| Total domestic deposits to total assets | 61.6766% | 4,857 |
| Equity capital to assets | 9.2240% | 3,587 |
| Core capital (leverage) ratio | 10.6601% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,406,000 | 3,002 |
| Average earning assets | $194,419,667 | 3,029 |
| Average equity | $20,781,000 | 3,178 |
| Average total loans | $153,393,000 | 2,650 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 1,938 |
| Cost of funding earning assets | 0.6108% | 841 |
| Net interest margin | 3.2472% | 2,555 |
| Noninterest income to average assets | 0.3655% | 3,263 |
| Noninterest expense to average assets | 2.3357% | 2,685 |
| Loan and lease loss provision to assets | 0.0361% | 2,296 |
| Net operating income to assets | 0.7451% | 3,586 |
| Return on assets (ROA) | 0.7451% | 3,659 |
| Pretax return on assets | 0.9941% | 3,384 |
| Return on Equity (ROE) | 7.3129% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.3129% | 2,473 |
| Net charge-offs to loans | -0.0028% | 3,205 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8544% | 1,830 |
| Assets per employee ($millions) | 5.4501% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5247% | 4,757 |
| Loan loss allowance to noncurrent loans | 41.7085% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 901 |
| Noncurrent loans to loans | 1.2581% | 1,032 |
| Net loans and leases to total assets | 74.0270% | 809 |
| Net loans and leases to deposits | 112.4653% | 118 |
| Net loans and leases to core deposits | 117.6231% | 269 |
| Total domestic deposits to total assets | 65.8220% | 4,841 |
| Equity capital to assets | 9.5938% | 3,116 |
| Core capital (leverage) ratio | 10.2935% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,172,000 | 3,098 |
| Average earning assets | $184,033,500 | 3,104 |
| Average equity | $20,293,000 | 3,219 |
| Average total loans | $142,463,500 | 2,759 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3371% | 64 |
| Cost of funding earning assets | 1.3821% | 134 |
| Net interest margin | 4.9550% | 132 |
| Noninterest income to average assets | 0.3838% | 3,186 |
| Noninterest expense to average assets | 2.7251% | 2,157 |
| Loan and lease loss provision to assets | 0.0457% | 3,828 |
| Net operating income to assets | 1.7459% | 443 |
| Return on assets (ROA) | 1.7459% | 479 |
| Pretax return on assets | 2.1943% | 303 |
| Return on Equity (ROE) | 17.0320% | 412 |
| Retained earnings to average equity (ytd only) | 13.5329% | 214 |
| Net charge-offs to loans | 0.0393% | 2,268 |
| Credit loss provision to net charge-offs | 188.8889% | 2,218 |
| Earnings coverage of net charge-offs (x) | 92.5185% | 828 |
| Efficiency ratio | 54.5602% | 4,151 |
| Assets per employee ($millions) | 4.8892% | 3,516 |
| Cash dividends to net income (ytd only)* | 20.5444% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6398% | 4,672 |
| Loan loss allowance to noncurrent loans | 40.2881% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 848 |
| Noncurrent loans to loans | 1.5882% | 831 |
| Net loans and leases to total assets | 67.7855% | 1,850 |
| Net loans and leases to deposits | 91.3720% | 823 |
| Net loans and leases to core deposits | 95.9265% | 1,120 |
| Total domestic deposits to total assets | 74.1863% | 4,628 |
| Equity capital to assets | 10.8693% | 2,368 |
| Core capital (leverage) ratio | 9.9464% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,516,800 | 3,863 |
| Average earning assets | $103,107,200 | 3,856 |
| Average equity | $11,431,400 | 4,035 |
| Average total loans | $68,729,200 | 3,762 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4906% | 34 |
| Cost of funding earning assets | 1.7093% | 45 |
| Net interest margin | 5.7813% | 54 |
| Noninterest income to average assets | 0.3285% | 3,515 |
| Noninterest expense to average assets | 2.8302% | 1,884 |
| Loan and lease loss provision to assets | 0.0387% | 3,864 |
| Net operating income to assets | 1.9207% | 353 |
| Return on assets (ROA) | 1.9207% | 387 |
| Pretax return on assets | 2.7914% | 141 |
| Return on Equity (ROE) | 19.3197% | 274 |
| Retained earnings to average equity (ytd only) | 13.5483% | 276 |
| Net charge-offs to loans | -0.0025% | 3,912 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7719% | 4,508 |
| Assets per employee ($millions) | 5.0778% | 3,149 |
| Cash dividends to net income (ytd only)* | 29.8730% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5891% | 4,745 |
| Loan loss allowance to noncurrent loans | 47.3012% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 1,291 |
| Noncurrent loans to loans | 1.2455% | 1,217 |
| Net loans and leases to total assets | 71.2736% | 1,776 |
| Net loans and leases to deposits | 100.9810% | 496 |
| Net loans and leases to core deposits | 107.1626% | 801 |
| Total domestic deposits to total assets | 70.5812% | 4,739 |
| Equity capital to assets | 10.1231% | 3,123 |
| Core capital (leverage) ratio | 11.3705% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,948,750 | 4,081 |
| Average earning assets | $85,722,750 | 4,087 |
| Average equity | $9,240,750 | 4,299 |
| Average total loans | $54,224,250 | 4,043 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 3,932 |
| Cost of funding earning assets | 0.5012% | 3,526 |
| Net interest margin | 3.2738% | 3,450 |
| Noninterest income to average assets | 0.6374% | 1,985 |
| Noninterest expense to average assets | 3.1570% | 1,233 |
| Loan and lease loss provision to assets | 0.0101% | 4,085 |
| Net operating income to assets | 0.4581% | 4,115 |
| Return on assets (ROA) | 0.4663% | 4,162 |
| Pretax return on assets | 0.5703% | 4,121 |
| Return on Equity (ROE) | 4.7849% | 3,891 |
| Retained earnings to average equity (ytd only) | 2.2031% | 3,678 |
| Net charge-offs to loans | -0.0076% | 4,130 |
| Credit loss provision to net charge-offs | -300.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6985% | 601 |
| Assets per employee ($millions) | 3.9248% | 4,377 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,485 |
| Loan loss allowance to noncurrent loans | 44.6636% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 725 |
| Noncurrent loans to loans | 3.1988% | 280 |
| Net loans and leases to total assets | 42.2998% | 4,523 |
| Net loans and leases to deposits | 47.0400% | 4,622 |
| Net loans and leases to core deposits | 49.9925% | 4,622 |
| Total domestic deposits to total assets | 89.9231% | 417 |
| Equity capital to assets | 9.7377% | 3,436 |
| Core capital (leverage) ratio | 9.2821% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,613,333 | 4,550 |
| Average earning assets | $56,265,333 | 4,527 |
| Average equity | $5,810,000 | 4,707 |
| Average total loans | $26,185,333 | 4,644 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 4,443 |
| Cost of funding earning assets | 0.5088% | 3,902 |
| Net interest margin | 3.1617% | 3,952 |
| Noninterest income to average assets | 0.7239% | 1,553 |
| Noninterest expense to average assets | 3.1712% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4205% | 4,088 |
| Return on assets (ROA) | 0.4205% | 4,127 |
| Pretax return on assets | 0.5515% | 4,030 |
| Return on Equity (ROE) | 4.3129% | 3,867 |
| Retained earnings to average equity (ytd only) | 4.3129% | 2,567 |
| Net charge-offs to loans | 0.0155% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 672 |
| Efficiency ratio | 85.1852% | 759 |
| Assets per employee ($millions) | 3.5869% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,352 |
| Loan loss allowance to noncurrent loans | 54.7550% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 723 |
| Noncurrent loans to loans | 2.7367% | 423 |
| Net loans and leases to total assets | 43.5242% | 4,525 |
| Net loans and leases to deposits | 48.3246% | 4,646 |
| Net loans and leases to core deposits | 51.5063% | 4,643 |
| Total domestic deposits to total assets | 90.0664% | 302 |
| Equity capital to assets | 9.7489% | 3,996 |
| Core capital (leverage) ratio | 9.8330% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,021,500 | 4,580 |
| Average earning assets | $55,033,500 | 4,560 |
| Average equity | $5,657,500 | 4,766 |
| Average total loans | $25,804,000 | 4,675 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 4,346 |
| Cost of funding earning assets | 0.5349% | 3,949 |
| Net interest margin | 3.4178% | 3,692 |
| Noninterest income to average assets | 0.7188% | 1,747 |
| Noninterest expense to average assets | 3.1568% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6349% | 4,057 |
| Return on assets (ROA) | 0.6349% | 4,125 |
| Pretax return on assets | 0.7468% | 4,093 |
| Return on Equity (ROE) | 6.6770% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.1754% | 2,871 |
| Net charge-offs to loans | -0.0186% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8692% | 875 |
| Assets per employee ($millions) | 3.6658% | 4,298 |
| Cash dividends to net income (ytd only)* | 37.4656% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,360 |
| Loan loss allowance to noncurrent loans | 55.4585% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.4407% | 714 |
| Noncurrent loans to loans | 2.6172% | 402 |
| Net loans and leases to total assets | 44.1042% | 4,597 |
| Net loans and leases to deposits | 48.9322% | 4,714 |
| Net loans and leases to core deposits | 52.0588% | 4,704 |
| Total domestic deposits to total assets | 90.1333% | 282 |
| Equity capital to assets | 9.7524% | 4,152 |
| Core capital (leverage) ratio | 9.7674% | 3,768 |
| Tier 1 risk-based capital ratio | 21.0574% | 1,156 |
| Total risk-based capital ratio | 22.3065% | 1,129 |
| Memoranda: | ||
| Average total assets | $57,177,800 | 4,628 |
| Average earning assets | $53,280,600 | 4,620 |
| Average equity | $5,436,600 | 4,834 |
| Average total loans | $26,880,800 | 4,711 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 4,379 |
| Cost of funding earning assets | 0.5407% | 3,979 |
| Net interest margin | 3.4512% | 3,727 |
| Noninterest income to average assets | 0.7088% | 1,744 |
| Noninterest expense to average assets | 3.1755% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5187% | 4,471 |
| Return on assets (ROA) | 0.5187% | 4,522 |
| Pretax return on assets | 0.7393% | 4,262 |
| Return on Equity (ROE) | 5.4915% | 4,192 |
| Retained earnings to average equity (ytd only) | 4.2490% | 3,272 |
| Net charge-offs to loans | -0.0345% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1151% | 822 |
| Assets per employee ($millions) | 3.5026% | 4,499 |
| Cash dividends to net income (ytd only)* | 22.6261% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,466 |
| Loan loss allowance to noncurrent loans | 55.6686% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5096% | 729 |
| Noncurrent loans to loans | 2.5685% | 441 |
| Net loans and leases to total assets | 47.1137% | 4,543 |
| Net loans and leases to deposits | 52.5830% | 4,685 |
| Net loans and leases to core deposits | 56.1121% | 4,682 |
| Total domestic deposits to total assets | 89.5987% | 416 |
| Equity capital to assets | 10.1122% | 3,906 |
| Core capital (leverage) ratio | 9.9158% | 3,722 |
| Tier 1 risk-based capital ratio | 20.5376% | 1,275 |
| Total risk-based capital ratio | 21.7868% | 1,247 |
| Memoranda: | ||
| Average total assets | $56,809,250 | 4,707 |
| Average earning assets | $52,773,250 | 4,695 |
| Average equity | $5,365,750 | 4,904 |
| Average total loans | $27,038,750 | 4,771 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 4,428 |
| Cost of funding earning assets | 0.5478% | 3,886 |
| Net interest margin | 3.4267% | 3,809 |
| Noninterest income to average assets | 0.7080% | 1,683 |
| Noninterest expense to average assets | 3.1297% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5222% | 4,475 |
| Return on assets (ROA) | 0.5222% | 4,505 |
| Pretax return on assets | 0.7570% | 4,198 |
| Return on Equity (ROE) | 5.6597% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.7604% | 3,376 |
| Net charge-offs to loans | -0.0590% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5230% | 926 |
| Assets per employee ($millions) | 3.5452% | 4,445 |
| Cash dividends to net income (ytd only)* | 33.5570% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,439 |
| Loan loss allowance to noncurrent loans | 55.2367% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 744 |
| Noncurrent loans to loans | 2.6171% | 428 |
| Net loans and leases to total assets | 46.2740% | 4,636 |
| Net loans and leases to deposits | 51.4445% | 4,759 |
| Net loans and leases to core deposits | 55.1811% | 4,740 |
| Total domestic deposits to total assets | 89.9494% | 349 |
| Equity capital to assets | 9.7685% | 4,171 |
| Core capital (leverage) ratio | 9.5678% | 4,084 |
| Tier 1 risk-based capital ratio | 20.1859% | 1,312 |
| Total risk-based capital ratio | 21.4373% | 1,286 |
| Memoranda: | ||
| Average total assets | $57,065,330 | 4,738 |
| Average earning assets | $52,938,000 | 4,728 |
| Average equity | $5,265,330 | 4,949 |
| Average total loans | $27,123,000 | 4,804 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 4,377 |
| Cost of funding earning assets | 0.5275% | 3,931 |
| Net interest margin | 3.4665% | 3,692 |
| Noninterest income to average assets | 0.6290% | 1,918 |
| Noninterest expense to average assets | 3.1169% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4822% | 4,566 |
| Return on assets (ROA) | 0.4822% | 4,591 |
| Pretax return on assets | 0.7268% | 4,238 |
| Return on Equity (ROE) | 5.3827% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.3827% | 2,745 |
| Net charge-offs to loans | -0.1169% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0909% | 961 |
| Assets per employee ($millions) | 3.6624% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 1,738 |
| Loan loss allowance to noncurrent loans | 44.1887% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 612 |
| Noncurrent loans to loans | 3.1340% | 328 |
| Net loans and leases to total assets | 46.6629% | 4,639 |
| Net loans and leases to deposits | 51.3570% | 4,770 |
| Net loans and leases to core deposits | 55.0391% | 4,751 |
| Total domestic deposits to total assets | 90.8599% | 199 |
| Equity capital to assets | 8.9490% | 4,718 |
| Core capital (leverage) ratio | 9.6494% | 3,974 |
| Tier 1 risk-based capital ratio | 19.3201% | 1,479 |
| Total risk-based capital ratio | 20.5708% | 1,450 |
| Memoranda: | ||
| Average total assets | $57,236,500 | 4,789 |
| Average earning assets | $53,079,000 | 4,777 |
| Average equity | $5,127,500 | 5,010 |
| Average total loans | $27,368,000 | 4,856 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 4,414 |
| Cost of funding earning assets | 0.4237% | 3,833 |
| Net interest margin | 3.4127% | 3,966 |
| Noninterest income to average assets | 0.6636% | 1,996 |
| Noninterest expense to average assets | 3.0998% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5338% | 4,588 |
| Return on assets (ROA) | 0.5338% | 4,582 |
| Pretax return on assets | 0.7448% | 4,302 |
| Return on Equity (ROE) | 6.0748% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.4330% | 3,094 |
| Net charge-offs to loans | 0.1344% | 1,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.1622% | 2,648 |
| Efficiency ratio | 80.6285% | 904 |
| Assets per employee ($millions) | 3.7249% | 4,287 |
| Cash dividends to net income (ytd only)* | 27.0270% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,673 |
| Loan loss allowance to noncurrent loans | 47.9592% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6931% | 634 |
| Noncurrent loans to loans | 2.9028% | 361 |
| Net loans and leases to total assets | 47.6644% | 4,662 |
| Net loans and leases to deposits | 52.4273% | 4,811 |
| Net loans and leases to core deposits | 56.3569% | 4,769 |
| Total domestic deposits to total assets | 90.9153% | 226 |
| Equity capital to assets | 8.9684% | 4,605 |
| Core capital (leverage) ratio | 9.7759% | 3,833 |
| Tier 1 risk-based capital ratio | 20.0532% | 1,296 |
| Total risk-based capital ratio | 21.3044% | 1,268 |
| Memoranda: | ||
| Average total assets | $55,454,400 | 4,848 |
| Average earning assets | $51,690,000 | 4,823 |
| Average equity | $4,872,600 | 5,067 |
| Average total loans | $27,535,400 | 4,876 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,425 |
| Cost of funding earning assets | 0.3934% | 3,911 |
| Net interest margin | 3.4135% | 3,963 |
| Noninterest income to average assets | 0.6504% | 2,068 |
| Noninterest expense to average assets | 3.0978% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4818% | 4,796 |
| Return on assets (ROA) | 0.4818% | 4,800 |
| Pretax return on assets | 0.7299% | 4,468 |
| Return on Equity (ROE) | 5.5118% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.3072% | 4,097 |
| Net charge-offs to loans | -0.0097% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9314% | 869 |
| Assets per employee ($millions) | 3.5329% | 4,517 |
| Cash dividends to net income (ytd only)* | 39.9985% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,315 |
| Loan loss allowance to noncurrent loans | 50.1208% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.8927% | 589 |
| Noncurrent loans to loans | 3.0129% | 362 |
| Net loans and leases to total assets | 51.0756% | 4,524 |
| Net loans and leases to deposits | 56.4531% | 4,724 |
| Net loans and leases to core deposits | 60.9288% | 4,668 |
| Total domestic deposits to total assets | 90.4744% | 353 |
| Equity capital to assets | 9.0388% | 4,518 |
| Core capital (leverage) ratio | 9.6538% | 3,991 |
| Tier 1 risk-based capital ratio | 18.5817% | 1,637 |
| Total risk-based capital ratio | 19.8325% | 1,598 |
| Memoranda: | ||
| Average total assets | $55,349,500 | 4,900 |
| Average earning assets | $51,519,500 | 4,882 |
| Average equity | $4,838,000 | 5,131 |
| Average total loans | $27,667,250 | 4,924 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 4,553 |
| Cost of funding earning assets | 0.3587% | 4,016 |
| Net interest margin | 3.3546% | 4,090 |
| Noninterest income to average assets | 0.6876% | 1,919 |
| Noninterest expense to average assets | 3.0391% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5237% | 4,690 |
| Return on assets (ROA) | 0.5237% | 4,696 |
| Pretax return on assets | 0.7803% | 4,304 |
| Return on Equity (ROE) | 6.0569% | 4,217 |
| Retained earnings to average equity (ytd only) | 6.0569% | 2,526 |
| Net charge-offs to loans | -0.0072% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5709% | 1,057 |
| Assets per employee ($millions) | 3.7109% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,298 |
| Loan loss allowance to noncurrent loans | 48.7633% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.8846% | 590 |
| Noncurrent loans to loans | 3.1399% | 343 |
| Net loans and leases to total assets | 47.8325% | 4,728 |
| Net loans and leases to deposits | 52.5666% | 4,896 |
| Net loans and leases to core deposits | 56.4795% | 4,845 |
| Total domestic deposits to total assets | 90.9940% | 251 |
| Equity capital to assets | 8.7149% | 4,786 |
| Core capital (leverage) ratio | 9.4266% | 4,206 |
| Tier 1 risk-based capital ratio | 19.2510% | 1,487 |
| Total risk-based capital ratio | 20.5030% | 1,443 |
| Memoranda: | ||
| Average total assets | $56,134,670 | 4,939 |
| Average earning assets | $52,406,000 | 4,920 |
| Average equity | $4,854,000 | 5,185 |
| Average total loans | $27,729,000 | 4,974 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,625 |
| Cost of funding earning assets | 0.3417% | 4,046 |
| Net interest margin | 3.2957% | 4,203 |
| Noninterest income to average assets | 0.6244% | 2,152 |
| Noninterest expense to average assets | 3.0725% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4258% | 4,872 |
| Return on assets (ROA) | 0.4258% | 4,879 |
| Pretax return on assets | 0.6315% | 4,611 |
| Return on Equity (ROE) | 4.9428% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.9428% | 3,210 |
| Net charge-offs to loans | 0.0142% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 659 |
| Efficiency ratio | 82.9502% | 866 |
| Assets per employee ($millions) | 3.7234% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 1,521 |
| Loan loss allowance to noncurrent loans | 42.0838% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.1110% | 516 |
| Noncurrent loans to loans | 3.5249% | 294 |
| Net loans and leases to total assets | 48.9911% | 4,631 |
| Net loans and leases to deposits | 53.7194% | 4,811 |
| Net loans and leases to core deposits | 57.6844% | 4,768 |
| Total domestic deposits to total assets | 91.1980% | 257 |
| Equity capital to assets | 8.6194% | 4,885 |
| Core capital (leverage) ratio | 9.1557% | 4,498 |
| Tier 1 risk-based capital ratio | 18.2885% | 1,746 |
| Total risk-based capital ratio | 19.5412% | 1,713 |
| Memoranda: | ||
| Average total assets | $56,370,500 | 4,993 |
| Average earning assets | $52,675,000 | 4,979 |
| Average equity | $4,855,500 | 5,238 |
| Average total loans | $28,074,000 | 5,019 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,150 |
| Cost of funding earning assets | 0.3541% | 3,671 |
| Net interest margin | 3.4152% | 3,803 |
| Noninterest income to average assets | 0.6896% | 2,009 |
| Noninterest expense to average assets | 3.1640% | 1,692 |
| Loan and lease loss provision to assets | 0.0486% | 3,252 |
| Net operating income to assets | 1.1419% | 1,706 |
| Return on assets (ROA) | 1.1419% | 1,743 |
| Pretax return on assets | 0.6672% | 4,590 |
| Return on Equity (ROE) | 13.2913% | 885 |
| Retained earnings to average equity (ytd only) | 13.2913% | 123 |
| Net charge-offs to loans | 0.1527% | 1,582 |
| Credit loss provision to net charge-offs | 59.0909% | 3,226 |
| Earnings coverage of net charge-offs (x) | 8.7045% | 2,877 |
| Efficiency ratio | 81.5511% | 962 |
| Assets per employee ($millions) | 3.7919% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,566 |
| Loan loss allowance to noncurrent loans | 41.5911% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1590% | 496 |
| Noncurrent loans to loans | 3.4997% | 288 |
| Net loans and leases to total assets | 49.1596% | 4,695 |
| Net loans and leases to deposits | 53.8374% | 4,907 |
| Net loans and leases to core deposits | 57.7182% | 4,860 |
| Total domestic deposits to total assets | 91.3112% | 174 |
| Equity capital to assets | 8.5886% | 5,052 |
| Core capital (leverage) ratio | 9.0960% | 4,526 |
| Tier 1 risk-based capital ratio | 17.8158% | 1,854 |
| Total risk-based capital ratio | 19.0685% | 1,803 |
| Memoranda: | ||
| Average total assets | $53,507,400 | 5,088 |
| Average earning assets | $49,983,000 | 5,061 |
| Average equity | $4,597,000 | 5,334 |
| Average total loans | $28,809,800 | 5,050 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 3,992 |
| Cost of funding earning assets | 0.3524% | 3,641 |
| Net interest margin | 3.4537% | 3,667 |
| Noninterest income to average assets | 0.6987% | 2,007 |
| Noninterest expense to average assets | 3.2102% | 1,534 |
| Loan and lease loss provision to assets | 0.0532% | 3,038 |
| Net operating income to assets | 0.6608% | 4,155 |
| Return on assets (ROA) | 0.6608% | 4,206 |
| Pretax return on assets | 0.6608% | 4,700 |
| Return on Equity (ROE) | 7.6904% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.6904% | 1,351 |
| Net charge-offs to loans | 0.2121% | 1,013 |
| Credit loss provision to net charge-offs | 45.6522% | 2,959 |
| Earnings coverage of net charge-offs (x) | 6.1306% | 3,015 |
| Efficiency ratio | 81.8065% | 930 |
| Assets per employee ($millions) | 3.6435% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,812 |
| Loan loss allowance to noncurrent loans | 42.4242% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 2.2689% | 516 |
| Noncurrent loans to loans | 3.3465% | 343 |
| Net loans and leases to total assets | 51.5827% | 4,605 |
| Net loans and leases to deposits | 56.5222% | 4,842 |
| Net loans and leases to core deposits | 60.7656% | 4,779 |
| Total domestic deposits to total assets | 91.2611% | 132 |
| Equity capital to assets | 8.6163% | 5,214 |
| Core capital (leverage) ratio | 9.0018% | 4,732 |
| Tier 1 risk-based capital ratio | 16.7115% | 2,248 |
| Total risk-based capital ratio | 17.9612% | 2,201 |
| Memoranda: | ||
| Average total assets | $52,664,750 | 5,163 |
| Average earning assets | $49,183,000 | 5,135 |
| Average equity | $4,525,000 | 5,399 |
| Average total loans | $28,918,750 | 5,105 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 3,781 |
| Cost of funding earning assets | 0.3556% | 3,522 |
| Net interest margin | 3.4778% | 3,478 |
| Noninterest income to average assets | 0.7654% | 1,703 |
| Noninterest expense to average assets | 3.2537% | 1,461 |
| Loan and lease loss provision to assets | 0.0692% | 2,588 |
| Net operating income to assets | 0.6769% | 3,951 |
| Return on assets (ROA) | 0.6769% | 4,015 |
| Pretax return on assets | 0.6769% | 4,609 |
| Return on Equity (ROE) | 7.8859% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.8859% | 1,214 |
| Net charge-offs to loans | 0.3238% | 629 |
| Credit loss provision to net charge-offs | 38.2979% | 2,659 |
| Earnings coverage of net charge-offs (x) | 4.1277% | 2,975 |
| Efficiency ratio | 81.3462% | 1,067 |
| Assets per employee ($millions) | 3.5658% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 2,066 |
| Loan loss allowance to noncurrent loans | 38.6167% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.4324% | 463 |
| Noncurrent loans to loans | 3.5610% | 315 |
| Net loans and leases to total assets | 53.9028% | 4,394 |
| Net loans and leases to deposits | 59.1102% | 4,692 |
| Net loans and leases to core deposits | 63.6446% | 4,627 |
| Total domestic deposits to total assets | 91.1904% | 176 |
| Equity capital to assets | 8.6488% | 5,185 |
| Core capital (leverage) ratio | 8.9206% | 4,814 |
| Tier 1 risk-based capital ratio | 15.7741% | 2,590 |
| Total risk-based capital ratio | 17.0223% | 2,530 |
| Memoranda: | ||
| Average total assets | $52,002,330 | 5,217 |
| Average earning assets | $48,364,330 | 5,187 |
| Average equity | $4,463,670 | 5,449 |
| Average total loans | $29,026,000 | 5,145 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 3,541 |
| Cost of funding earning assets | 0.3687% | 3,326 |
| Net interest margin | 3.4942% | 3,293 |
| Noninterest income to average assets | 0.8584% | 1,375 |
| Noninterest expense to average assets | 3.3242% | 1,336 |
| Loan and lease loss provision to assets | 0.1171% | 1,635 |
| Net operating income to assets | 0.6711% | 3,832 |
| Return on assets (ROA) | 0.6711% | 3,871 |
| Pretax return on assets | 0.6711% | 4,528 |
| Return on Equity (ROE) | 7.8494% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.8494% | 1,523 |
| Net charge-offs to loans | 0.6777% | 264 |
| Credit loss provision to net charge-offs | 30.6122% | 2,113 |
| Earnings coverage of net charge-offs (x) | 2.0612% | 2,644 |
| Efficiency ratio | 80.8349% | 1,277 |
| Assets per employee ($millions) | 3.2453% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,398 |
| Loan loss allowance to noncurrent loans | 36.4890% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.6115% | 430 |
| Noncurrent loans to loans | 3.6404% | 319 |
| Net loans and leases to total assets | 56.7935% | 4,088 |
| Net loans and leases to deposits | 62.2139% | 4,418 |
| Net loans and leases to core deposits | 67.1265% | 4,342 |
| Total domestic deposits to total assets | 91.2874% | 217 |
| Equity capital to assets | 8.5855% | 5,175 |
| Core capital (leverage) ratio | 8.9929% | 4,747 |
| Tier 1 risk-based capital ratio | 15.2940% | 2,837 |
| Total risk-based capital ratio | 16.5445% | 2,767 |
| Memoranda: | ||
| Average total assets | $51,260,000 | 5,287 |
| Average earning assets | $47,736,000 | 5,257 |
| Average equity | $4,382,500 | 5,513 |
| Average total loans | $28,922,500 | 5,196 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 3,787 |
| Cost of funding earning assets | 0.4065% | 2,944 |
| Net interest margin | 3.4290% | 3,716 |
| Noninterest income to average assets | 0.6371% | 2,472 |
| Noninterest expense to average assets | 3.4181% | 1,316 |
| Loan and lease loss provision to assets | 0.3984% | 393 |
| Net operating income to assets | -0.0061% | 5,650 |
| Return on assets (ROA) | 0.0587% | 5,630 |
| Pretax return on assets | 0.0587% | 5,627 |
| Return on Equity (ROE) | 0.6505% | 5,608 |
| Retained earnings to average equity (ytd only) | 0.6505% | 5,065 |
| Net charge-offs to loans | 1.0849% | 170 |
| Credit loss provision to net charge-offs | 64.3791% | 3,188 |
| Earnings coverage of net charge-offs (x) | 0.6340% | 4,085 |
| Efficiency ratio | 89.7028% | 576 |
| Assets per employee ($millions) | 3.1622% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 1,530 |
| Loan loss allowance to noncurrent loans | 42.4213% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.8086% | 386 |
| Noncurrent loans to loans | 3.6340% | 321 |
| Net loans and leases to total assets | 54.4066% | 4,404 |
| Net loans and leases to deposits | 59.5384% | 4,706 |
| Net loans and leases to core deposits | 64.8885% | 4,584 |
| Total domestic deposits to total assets | 91.3806% | 188 |
| Equity capital to assets | 8.5127% | 5,263 |
| Core capital (leverage) ratio | 9.0838% | 4,639 |
| Tier 1 risk-based capital ratio | 16.2314% | 2,461 |
| Total risk-based capital ratio | 17.4833% | 2,398 |
| Memoranda: | ||
| Average total assets | $49,442,000 | 5,356 |
| Average earning assets | $45,757,400 | 5,338 |
| Average equity | $4,458,200 | 5,562 |
| Average total loans | $28,206,000 | 5,262 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 3,757 |
| Cost of funding earning assets | 0.4074% | 2,953 |
| Net interest margin | 3.4463% | 3,685 |
| Noninterest income to average assets | 0.6808% | 2,256 |
| Noninterest expense to average assets | 3.5181% | 1,118 |
| Loan and lease loss provision to assets | 0.5344% | 226 |
| Net operating income to assets | -0.1817% | 5,787 |
| Return on assets (ROA) | -0.0949% | 5,771 |
| Pretax return on assets | -0.0949% | 5,768 |
| Return on Equity (ROE) | -1.0380% | 5,784 |
| Retained earnings to average equity (ytd only) | -1.0380% | 5,498 |
| Net charge-offs to loans | 1.4433% | 95 |
| Credit loss provision to net charge-offs | 64.3791% | 2,863 |
| Earnings coverage of net charge-offs (x) | 0.4248% | 3,789 |
| Efficiency ratio | 90.8900% | 518 |
| Assets per employee ($millions) | 3.1075% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 1,571 |
| Loan loss allowance to noncurrent loans | 36.7121% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.9505% | 399 |
| Noncurrent loans to loans | 4.2697% | 245 |
| Net loans and leases to total assets | 54.4348% | 4,456 |
| Net loans and leases to deposits | 60.0964% | 4,749 |
| Net loans and leases to core deposits | 66.0509% | 4,601 |
| Total domestic deposits to total assets | 90.5792% | 303 |
| Equity capital to assets | 9.1714% | 5,002 |
| Core capital (leverage) ratio | 9.3585% | 4,382 |
| Tier 1 risk-based capital ratio | 16.5045% | 2,414 |
| Total risk-based capital ratio | 17.7587% | 2,364 |
| Memoranda: | ||
| Average total assets | $49,153,750 | 5,414 |
| Average earning assets | $45,496,500 | 5,401 |
| Average equity | $4,496,000 | 5,617 |
| Average total loans | $28,268,000 | 5,301 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 3,630 |
| Cost of funding earning assets | 0.4026% | 3,013 |
| Net interest margin | 3.4907% | 3,519 |
| Noninterest income to average assets | 0.6290% | 2,468 |
| Noninterest expense to average assets | 3.4678% | 1,227 |
| Loan and lease loss provision to assets | 0.7720% | 138 |
| Net operating income to assets | -0.3880% | 5,900 |
| Return on assets (ROA) | -0.2573% | 5,881 |
| Pretax return on assets | -0.2573% | 5,871 |
| Return on Equity (ROE) | -2.8159% | 5,892 |
| Retained earnings to average equity (ytd only) | -2.8159% | 5,613 |
| Net charge-offs to loans | 2.1455% | 67 |
| Credit loss provision to net charge-offs | 61.7647% | 2,561 |
| Earnings coverage of net charge-offs (x) | 0.3072% | 3,532 |
| Efficiency ratio | 90.0318% | 600 |
| Assets per employee ($millions) | 3.0176% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,769 |
| Loan loss allowance to noncurrent loans | 34.3902% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 3.4589% | 314 |
| Noncurrent loans to loans | 4.4371% | 242 |
| Net loans and leases to total assets | 56.5398% | 4,247 |
| Net loans and leases to deposits | 62.6834% | 4,597 |
| Net loans and leases to core deposits | 68.6742% | 4,424 |
| Total domestic deposits to total assets | 90.1990% | 413 |
| Equity capital to assets | 9.4344% | 4,835 |
| Core capital (leverage) ratio | 9.2327% | 4,542 |
| Tier 1 risk-based capital ratio | 16.3050% | 2,497 |
| Total risk-based capital ratio | 17.5555% | 2,445 |
| Memoranda: | ||
| Average total assets | $48,965,000 | 5,482 |
| Average earning assets | $45,206,000 | 5,477 |
| Average equity | $4,474,670 | 5,680 |
| Average total loans | $28,525,330 | 5,352 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,647 |
| Cost of funding earning assets | 0.3953% | 3,135 |
| Net interest margin | 3.4873% | 3,519 |
| Noninterest income to average assets | 0.3975% | 3,849 |
| Noninterest expense to average assets | 3.4640% | 1,250 |
| Loan and lease loss provision to assets | 1.5333% | 55 |
| Net operating income to assets | -1.3791% | 6,051 |
| Return on assets (ROA) | -1.3791% | 6,054 |
| Pretax return on assets | -1.3791% | 6,046 |
| Return on Equity (ROE) | -15.3343% | 6,052 |
| Retained earnings to average equity (ytd only) | -15.3343% | 5,910 |
| Net charge-offs to loans | 4.1898% | 23 |
| Credit loss provision to net charge-offs | 62.3762% | 1,961 |
| Earnings coverage of net charge-offs (x) | 0.0627% | 2,973 |
| Efficiency ratio | 95.7399% | 402 |
| Assets per employee ($millions) | 3.0905% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 2,074 |
| Loan loss allowance to noncurrent loans | 30.5376% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 3.4723% | 324 |
| Noncurrent loans to loans | 4.8438% | 211 |
| Net loans and leases to total assets | 57.3815% | 4,105 |
| Net loans and leases to deposits | 66.8441% | 4,173 |
| Net loans and leases to core deposits | 73.3956% | 3,949 |
| Total domestic deposits to total assets | 85.8437% | 2,742 |
| Equity capital to assets | 8.8598% | 5,288 |
| Core capital (leverage) ratio | 8.8626% | 5,009 |
| Tier 1 risk-based capital ratio | 15.3546% | 2,994 |
| Total risk-based capital ratio | 16.6075% | 2,932 |
| Memoranda: | ||
| Average total assets | $49,307,000 | 5,526 |
| Average earning assets | $45,536,500 | 5,508 |
| Average equity | $4,434,500 | 5,734 |
| Average total loans | $28,927,500 | 5,377 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,280 |
| Cost of funding earning assets | 0.3860% | 3,308 |
| Net interest margin | 3.6227% | 3,048 |
| Noninterest income to average assets | 0.6217% | 2,610 |
| Noninterest expense to average assets | 3.5135% | 1,269 |
| Loan and lease loss provision to assets | 0.2270% | 889 |
| Net operating income to assets | 0.2209% | 5,532 |
| Return on assets (ROA) | 0.2393% | 5,568 |
| Pretax return on assets | 0.2393% | 5,629 |
| Return on Equity (ROE) | 2.6184% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.6184% | 4,208 |
| Net charge-offs to loans | 0.3317% | 896 |
| Credit loss provision to net charge-offs | 119.3548% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.3548% | 3,923 |
| Efficiency ratio | 88.6939% | 779 |
| Assets per employee ($millions) | 3.0729% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 1,037 |
| Loan loss allowance to noncurrent loans | 66.5025% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.9472% | 448 |
| Noncurrent loans to loans | 2.7947% | 615 |
| Net loans and leases to total assets | 57.9974% | 4,095 |
| Net loans and leases to deposits | 67.7171% | 4,153 |
| Net loans and leases to core deposits | 73.7222% | 3,964 |
| Total domestic deposits to total assets | 85.6466% | 2,786 |
| Equity capital to assets | 9.1283% | 4,990 |
| Core capital (leverage) ratio | 9.2040% | 4,612 |
| Tier 1 risk-based capital ratio | 16.3480% | 2,548 |
| Total risk-based capital ratio | 17.6058% | 2,503 |
| Memoranda: | ||
| Average total assets | $48,897,400 | 5,571 |
| Average earning assets | $45,076,800 | 5,555 |
| Average equity | $4,468,400 | 5,763 |
| Average total loans | $28,036,000 | 5,440 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,347 |
| Cost of funding earning assets | 0.3887% | 3,344 |
| Net interest margin | 3.6109% | 3,117 |
| Noninterest income to average assets | 0.6144% | 2,663 |
| Noninterest expense to average assets | 3.4732% | 1,338 |
| Loan and lease loss provision to assets | 0.3031% | 480 |
| Net operating income to assets | 0.1611% | 5,750 |
| Return on assets (ROA) | 0.1747% | 5,777 |
| Pretax return on assets | 0.1747% | 5,821 |
| Return on Equity (ROE) | 1.9117% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.9117% | 4,930 |
| Net charge-offs to loans | 0.4511% | 561 |
| Credit loss provision to net charge-offs | 118.0851% | 2,015 |
| Earnings coverage of net charge-offs (x) | 1.8085% | 3,775 |
| Efficiency ratio | 88.2108% | 826 |
| Assets per employee ($millions) | 3.0274% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 1,092 |
| Loan loss allowance to noncurrent loans | 65.8120% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.2144% | 439 |
| Noncurrent loans to loans | 2.8742% | 635 |
| Net loans and leases to total assets | 57.7150% | 4,173 |
| Net loans and leases to deposits | 67.6622% | 4,223 |
| Net loans and leases to core deposits | 73.7703% | 4,036 |
| Total domestic deposits to total assets | 85.2987% | 2,886 |
| Equity capital to assets | 9.3171% | 4,985 |
| Core capital (leverage) ratio | 9.3405% | 4,526 |
| Tier 1 risk-based capital ratio | 16.1612% | 2,729 |
| Total risk-based capital ratio | 17.4194% | 2,680 |
| Memoranda: | ||
| Average total assets | $48,830,250 | 5,639 |
| Average earning assets | $44,937,500 | 5,628 |
| Average equity | $4,463,500 | 5,841 |
| Average total loans | $27,781,250 | 5,515 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,414 |
| Cost of funding earning assets | 0.3946% | 3,331 |
| Net interest margin | 3.5731% | 3,196 |
| Noninterest income to average assets | 0.4861% | 3,462 |
| Noninterest expense to average assets | 3.3864% | 1,497 |
| Loan and lease loss provision to assets | 0.0858% | 2,398 |
| Net operating income to assets | 0.3064% | 5,423 |
| Return on assets (ROA) | 0.3186% | 5,479 |
| Pretax return on assets | 0.3186% | 5,628 |
| Return on Equity (ROE) | 3.5080% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.5080% | 3,800 |
| Net charge-offs to loans | 0.8786% | 236 |
| Credit loss provision to net charge-offs | 17.3554% | 3,043 |
| Earnings coverage of net charge-offs (x) | 0.7934% | 3,621 |
| Efficiency ratio | 89.6216% | 782 |
| Assets per employee ($millions) | 3.3844% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 2,180 |
| Loan loss allowance to noncurrent loans | 113.1367% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 2.3894% | 819 |
| Noncurrent loans to loans | 1.3492% | 1,997 |
| Net loans and leases to total assets | 53.6245% | 4,595 |
| Net loans and leases to deposits | 62.3194% | 4,680 |
| Net loans and leases to core deposits | 67.5995% | 4,524 |
| Total domestic deposits to total assets | 86.0477% | 2,671 |
| Equity capital to assets | 8.8209% | 5,412 |
| Core capital (leverage) ratio | 9.2952% | 4,560 |
| Tier 1 risk-based capital ratio | 16.3141% | 2,707 |
| Total risk-based capital ratio | 17.5657% | 2,662 |
| Memoranda: | ||
| Average total assets | $48,961,000 | 5,695 |
| Average earning assets | $45,114,670 | 5,681 |
| Average equity | $4,447,000 | 5,905 |
| Average total loans | $27,543,330 | 5,578 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9686% | 3,346 |
| Cost of funding earning assets | 0.4130% | 3,157 |
| Net interest margin | 3.5556% | 3,202 |
| Noninterest income to average assets | 0.3329% | 4,528 |
| Noninterest expense to average assets | 3.4874% | 1,341 |
| Loan and lease loss provision to assets | 0.0416% | 3,083 |
| Net operating income to assets | 0.0999% | 5,875 |
| Return on assets (ROA) | 0.0999% | 5,933 |
| Pretax return on assets | 0.0999% | 5,948 |
| Return on Equity (ROE) | 1.0832% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.0832% | 5,050 |
| Net charge-offs to loans | 1.2658% | 161 |
| Credit loss provision to net charge-offs | 5.7471% | 2,462 |
| Earnings coverage of net charge-offs (x) | 0.1954% | 3,088 |
| Efficiency ratio | 96.1009% | 499 |
| Assets per employee ($millions) | 3.4121% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 2,010 |
| Loan loss allowance to noncurrent loans | 39.2857% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.5602% | 831 |
| Noncurrent loans to loans | 4.1033% | 412 |
| Net loans and leases to total assets | 56.2185% | 4,178 |
| Net loans and leases to deposits | 62.2104% | 4,557 |
| Net loans and leases to core deposits | 67.9615% | 4,326 |
| Total domestic deposits to total assets | 90.3682% | 578 |
| Equity capital to assets | 9.3471% | 4,911 |
| Core capital (leverage) ratio | 9.2312% | 4,673 |
| Tier 1 risk-based capital ratio | 16.6654% | 2,607 |
| Total risk-based capital ratio | 17.9176% | 2,562 |
| Memoranda: | ||
| Average total assets | $48,058,500 | 5,769 |
| Average earning assets | $44,549,500 | 5,748 |
| Average equity | $4,431,500 | 5,961 |
| Average total loans | $27,492,500 | 5,617 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,915 |
| Cost of funding earning assets | 0.3758% | 3,962 |
| Net interest margin | 3.8358% | 2,490 |
| Noninterest income to average assets | 0.1691% | 5,843 |
| Noninterest expense to average assets | 3.5184% | 1,446 |
| Loan and lease loss provision to assets | 0.0713% | 3,059 |
| Net operating income to assets | 0.0937% | 5,959 |
| Return on assets (ROA) | 0.0958% | 5,990 |
| Pretax return on assets | 0.0958% | 5,991 |
| Return on Equity (ROE) | 1.0587% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.0587% | 5,296 |
| Net charge-offs to loans | 0.1413% | 2,614 |
| Credit loss provision to net charge-offs | 85.3659% | 2,751 |
| Earnings coverage of net charge-offs (x) | 1.9756% | 4,286 |
| Efficiency ratio | 95.5199% | 521 |
| Assets per employee ($millions) | 3.2232% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 1,345 |
| Loan loss allowance to noncurrent loans | 43.1762% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 3.4128% | 554 |
| Noncurrent loans to loans | 4.3662% | 389 |
| Net loans and leases to total assets | 56.1926% | 4,308 |
| Net loans and leases to deposits | 61.9242% | 4,733 |
| Net loans and leases to core deposits | 67.1130% | 4,587 |
| Total domestic deposits to total assets | 90.7442% | 446 |
| Equity capital to assets | 9.0966% | 5,184 |
| Core capital (leverage) ratio | 8.9741% | 5,035 |
| Tier 1 risk-based capital ratio | 16.2553% | 2,831 |
| Total risk-based capital ratio | 17.5135% | 2,778 |
| Memoranda: | ||
| Average total assets | $49,085,400 | 5,808 |
| Average earning assets | $44,971,000 | 5,799 |
| Average equity | $4,439,400 | 6,000 |
| Average total loans | $29,021,400 | 5,602 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,885 |
| Cost of funding earning assets | 0.3698% | 4,127 |
| Net interest margin | 3.8608% | 2,388 |
| Noninterest income to average assets | 0.0731% | 6,327 |
| Noninterest expense to average assets | 3.4449% | 1,574 |
| Loan and lease loss provision to assets | 0.0947% | 2,471 |
| Net operating income to assets | 0.0649% | 6,066 |
| Return on assets (ROA) | 0.0676% | 6,094 |
| Pretax return on assets | 0.0676% | 6,098 |
| Return on Equity (ROE) | 0.7490% | 6,068 |
| Retained earnings to average equity (ytd only) | 0.7490% | 5,578 |
| Net charge-offs to loans | -0.0772% | 6,057 |
| Credit loss provision to net charge-offs | -205.8824% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5706% | 521 |
| Assets per employee ($millions) | 3.1298% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0245% | 1,215 |
| Loan loss allowance to noncurrent loans | 63.4973% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.7518% | 903 |
| Noncurrent loans to loans | 3.1883% | 798 |
| Net loans and leases to total assets | 56.1495% | 4,308 |
| Net loans and leases to deposits | 61.6177% | 4,781 |
| Net loans and leases to core deposits | 66.5578% | 4,657 |
| Total domestic deposits to total assets | 91.1257% | 329 |
| Equity capital to assets | 8.7385% | 5,606 |
| Core capital (leverage) ratio | 8.9745% | 5,107 |
| Tier 1 risk-based capital ratio | 16.1593% | 2,977 |
| Total risk-based capital ratio | 17.4200% | 2,928 |
| Memoranda: | ||
| Average total assets | $49,269,750 | 5,870 |
| Average earning assets | $45,067,750 | 5,863 |
| Average equity | $4,449,750 | 6,060 |
| Average total loans | $29,354,250 | 5,648 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,701 |
| Cost of funding earning assets | 0.3763% | 4,146 |
| Net interest margin | 3.8934% | 2,195 |
| Noninterest income to average assets | 0.7184% | 2,194 |
| Noninterest expense to average assets | 3.4163% | 1,642 |
| Loan and lease loss provision to assets | 0.1020% | 2,316 |
| Net operating income to assets | 0.7469% | 3,586 |
| Return on assets (ROA) | 0.7469% | 3,688 |
| Pretax return on assets | 0.7469% | 4,470 |
| Return on Equity (ROE) | 8.1800% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.1800% | 1,258 |
| Net charge-offs to loans | -0.1082% | 6,174 |
| Credit loss provision to net charge-offs | -156.2500% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0957% | 2,011 |
| Assets per employee ($millions) | 3.0413% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9547% | 1,446 |
| Loan loss allowance to noncurrent loans | 62.7343% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 3.2079% | 774 |
| Noncurrent loans to loans | 3.1159% | 912 |
| Net loans and leases to total assets | 58.6507% | 3,907 |
| Net loans and leases to deposits | 65.5941% | 4,309 |
| Net loans and leases to core deposits | 69.2282% | 4,343 |
| Total domestic deposits to total assets | 89.4145% | 1,145 |
| Equity capital to assets | 9.3956% | 4,847 |
| Core capital (leverage) ratio | 9.2834% | 4,618 |
| Tier 1 risk-based capital ratio | 16.1946% | 2,981 |
| Total risk-based capital ratio | 17.4530% | 2,927 |
| Memoranda: | ||
| Average total assets | $49,000,670 | 5,925 |
| Average earning assets | $44,639,670 | 5,927 |
| Average equity | $4,474,330 | 6,097 |
| Average total loans | $29,572,670 | 5,676 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,504 |
| Cost of funding earning assets | 0.3823% | 4,169 |
| Net interest margin | 3.9206% | 2,015 |
| Noninterest income to average assets | 0.8054% | 1,728 |
| Noninterest expense to average assets | 3.2865% | 1,977 |
| Loan and lease loss provision to assets | 0.0813% | 2,532 |
| Net operating income to assets | 1.0250% | 2,103 |
| Return on assets (ROA) | 1.0250% | 2,176 |
| Pretax return on assets | 1.0250% | 3,230 |
| Return on Equity (ROE) | 11.3885% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.3885% | 690 |
| Net charge-offs to loans | -0.1208% | 6,193 |
| Credit loss provision to net charge-offs | -111.1111% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8148% | 2,995 |
| Assets per employee ($millions) | 3.2717% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 1,868 |
| Loan loss allowance to noncurrent loans | 124.6014% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 2.2251% | 1,487 |
| Noncurrent loans to loans | 1.4935% | 2,547 |
| Net loans and leases to total assets | 58.7823% | 3,728 |
| Net loans and leases to deposits | 64.8503% | 4,224 |
| Net loans and leases to core deposits | 68.3521% | 4,274 |
| Total domestic deposits to total assets | 90.6431% | 714 |
| Equity capital to assets | 9.1491% | 4,937 |
| Core capital (leverage) ratio | 9.1416% | 4,806 |
| Tier 1 risk-based capital ratio | 15.7645% | 3,291 |
| Total risk-based capital ratio | 17.0232% | 3,252 |
| Memoranda: | ||
| Average total assets | $49,170,500 | 5,985 |
| Average earning assets | $44,993,500 | 5,971 |
| Average equity | $4,425,500 | 6,154 |
| Average total loans | $29,804,500 | 5,720 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 2,722 |
| Cost of funding earning assets | 0.5342% | 3,252 |
| Net interest margin | 3.8280% | 2,543 |
| Noninterest income to average assets | 0.5859% | 3,175 |
| Noninterest expense to average assets | 3.8922% | 1,002 |
| Loan and lease loss provision to assets | 0.0788% | 3,532 |
| Net operating income to assets | 0.1257% | 5,986 |
| Return on assets (ROA) | 0.1342% | 6,035 |
| Pretax return on assets | 0.1342% | 6,038 |
| Return on Equity (ROE) | 1.4530% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.4530% | 5,166 |
| Net charge-offs to loans | 0.1193% | 3,618 |
| Credit loss provision to net charge-offs | 108.8235% | 2,209 |
| Earnings coverage of net charge-offs (x) | 2.8235% | 4,064 |
| Efficiency ratio | 95.0078% | 698 |
| Assets per employee ($millions) | 2.7369% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 2,243 |
| Loan loss allowance to noncurrent loans | 45.8732% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 2.9047% | 1,099 |
| Noncurrent loans to loans | 3.8095% | 781 |
| Net loans and leases to total assets | 60.2578% | 3,668 |
| Net loans and leases to deposits | 68.5858% | 3,964 |
| Net loans and leases to core deposits | 72.3925% | 4,017 |
| Total domestic deposits to total assets | 87.8575% | 2,266 |
| Equity capital to assets | 8.8521% | 5,196 |
| Core capital (leverage) ratio | 9.0527% | 4,925 |
| Tier 1 risk-based capital ratio | 15.1297% | 3,592 |
| Total risk-based capital ratio | 16.3867% | 3,529 |
| Memoranda: | ||
| Average total assets | $46,940,000 | 6,093 |
| Average earning assets | $43,051,200 | 6,078 |
| Average equity | $4,335,800 | 6,255 |
| Average total loans | $28,498,800 | 5,829 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 2,654 |
| Cost of funding earning assets | 0.5840% | 2,960 |
| Net interest margin | 3.7958% | 2,654 |
| Noninterest income to average assets | 0.5695% | 3,337 |
| Noninterest expense to average assets | 3.8827% | 986 |
| Loan and lease loss provision to assets | 0.1064% | 2,983 |
| Net operating income to assets | 0.0575% | 6,207 |
| Return on assets (ROA) | 0.0719% | 6,243 |
| Pretax return on assets | 0.0719% | 6,235 |
| Return on Equity (ROE) | 0.7698% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.7698% | 5,667 |
| Net charge-offs to loans | 0.1710% | 2,851 |
| Credit loss provision to net charge-offs | 102.7778% | 2,283 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 4,309 |
| Efficiency ratio | 95.9488% | 626 |
| Assets per employee ($millions) | 2.5442% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,322 |
| Loan loss allowance to noncurrent loans | 55.3102% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 2.5155% | 1,527 |
| Noncurrent loans to loans | 3.2448% | 1,209 |
| Net loans and leases to total assets | 59.5408% | 3,769 |
| Net loans and leases to deposits | 67.9847% | 4,061 |
| Net loans and leases to core deposits | 71.8418% | 4,116 |
| Total domestic deposits to total assets | 87.5796% | 2,371 |
| Equity capital to assets | 8.9739% | 5,218 |
| Core capital (leverage) ratio | 9.3054% | 4,688 |
| Tier 1 risk-based capital ratio | 15.0681% | 3,708 |
| Total risk-based capital ratio | 16.3240% | 3,656 |
| Memoranda: | ||
| Average total assets | $46,358,750 | 6,180 |
| Average earning assets | $42,466,750 | 6,166 |
| Average equity | $4,329,500 | 6,330 |
| Average total loans | $28,070,000 | 5,904 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 2,296 |
| Cost of funding earning assets | 0.6540% | 2,461 |
| Net interest margin | 3.8188% | 2,481 |
| Noninterest income to average assets | 0.5121% | 3,757 |
| Noninterest expense to average assets | 3.9783% | 890 |
| Loan and lease loss provision to assets | 0.0525% | 3,932 |
| Net operating income to assets | -0.0175% | 6,318 |
| Return on assets (ROA) | -0.0175% | 6,377 |
| Pretax return on assets | -0.0175% | 6,371 |
| Return on Equity (ROE) | -0.1849% | 6,379 |
| Retained earnings to average equity (ytd only) | -0.1849% | 5,887 |
| Net charge-offs to loans | 0.2748% | 2,106 |
| Credit loss provision to net charge-offs | 31.5789% | 3,561 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 4,480 |
| Efficiency ratio | 99.1276% | 519 |
| Assets per employee ($millions) | 2.3877% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 2,302 |
| Loan loss allowance to noncurrent loans | 44.7935% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 2.7355% | 1,514 |
| Noncurrent loans to loans | 4.1022% | 934 |
| Net loans and leases to total assets | 58.7599% | 3,861 |
| Net loans and leases to deposits | 66.4399% | 4,210 |
| Net loans and leases to core deposits | 70.2406% | 4,244 |
| Total domestic deposits to total assets | 88.4407% | 1,955 |
| Equity capital to assets | 9.4079% | 4,709 |
| Core capital (leverage) ratio | 9.4836% | 4,274 |
| Tier 1 risk-based capital ratio | 16.5747% | 2,903 |
| Total risk-based capital ratio | 17.8336% | 2,860 |
| Memoranda: | ||
| Average total assets | $45,698,330 | 6,240 |
| Average earning assets | $41,897,670 | 6,230 |
| Average equity | $4,326,670 | 6,381 |
| Average total loans | $27,657,330 | 5,952 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 2,196 |
| Cost of funding earning assets | 0.6949% | 2,263 |
| Net interest margin | 3.7982% | 2,458 |
| Noninterest income to average assets | 0.3401% | 4,974 |
| Noninterest expense to average assets | 4.0729% | 816 |
| Loan and lease loss provision to assets | 0.0174% | 4,248 |
| Net operating income to assets | -0.2704% | 6,558 |
| Return on assets (ROA) | -0.2704% | 6,593 |
| Pretax return on assets | -0.2704% | 6,585 |
| Return on Equity (ROE) | -2.8466% | 6,604 |
| Retained earnings to average equity (ytd only) | -2.8466% | 6,173 |
| Net charge-offs to loans | -0.0143% | 5,570 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6210% | 380 |
| Assets per employee ($millions) | 2.1773% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 2,364 |
| Loan loss allowance to noncurrent loans | 54.6584% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.4911% | 1,855 |
| Noncurrent loans to loans | 3.4420% | 1,399 |
| Net loans and leases to total assets | 60.2257% | 3,386 |
| Net loans and leases to deposits | 68.5921% | 3,694 |
| Net loans and leases to core deposits | 73.9626% | 3,583 |
| Total domestic deposits to total assets | 87.8026% | 2,455 |
| Equity capital to assets | 9.4810% | 4,875 |
| Core capital (leverage) ratio | 9.2438% | 4,488 |
| Tier 1 risk-based capital ratio | 15.5062% | 3,520 |
| Total risk-based capital ratio | 16.7648% | 3,480 |
| Memoranda: | ||
| Average total assets | $45,864,500 | 6,291 |
| Average earning assets | $42,019,500 | 6,279 |
| Average equity | $4,356,000 | 6,434 |
| Average total loans | $27,908,000 | 5,993 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 1,715 |
| Cost of funding earning assets | 0.9350% | 1,736 |
| Net interest margin | 4.0052% | 2,373 |
| Noninterest income to average assets | 0.5626% | 3,495 |
| Noninterest expense to average assets | 4.0072% | 963 |
| Loan and lease loss provision to assets | 0.1667% | 3,528 |
| Net operating income to assets | 0.0376% | 6,105 |
| Return on assets (ROA) | 0.1750% | 6,004 |
| Pretax return on assets | 0.1813% | 6,020 |
| Return on Equity (ROE) | 1.9250% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.9250% | 4,864 |
| Net charge-offs to loans | -0.0163% | 6,526 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1039% | 744 |
| Assets per employee ($millions) | 2.1908% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 2,316 |
| Loan loss allowance to noncurrent loans | 48.5661% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 2.7518% | 1,749 |
| Noncurrent loans to loans | 3.8954% | 1,240 |
| Net loans and leases to total assets | 59.1792% | 3,758 |
| Net loans and leases to deposits | 67.4746% | 4,055 |
| Net loans and leases to core deposits | 74.0944% | 3,771 |
| Total domestic deposits to total assets | 87.7060% | 2,412 |
| Equity capital to assets | 9.5140% | 4,857 |
| Core capital (leverage) ratio | 9.0728% | 4,780 |
| Tier 1 risk-based capital ratio | 15.2740% | 3,562 |
| Total risk-based capital ratio | 16.5331% | 3,505 |
| Memoranda: | ||
| Average total assets | $47,988,600 | 6,261 |
| Average earning assets | $43,743,400 | 6,245 |
| Average equity | $4,363,600 | 6,474 |
| Average total loans | $30,627,600 | 5,920 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 1,551 |
| Cost of funding earning assets | 0.9708% | 1,735 |
| Net interest margin | 4.0822% | 2,159 |
| Noninterest income to average assets | 0.5472% | 3,627 |
| Noninterest expense to average assets | 3.9957% | 936 |
| Loan and lease loss provision to assets | 0.2200% | 2,857 |
| Net operating income to assets | 0.0540% | 6,203 |
| Return on assets (ROA) | 0.2310% | 6,019 |
| Pretax return on assets | 0.2337% | 6,079 |
| Return on Equity (ROE) | 2.5687% | 5,858 |
| Retained earnings to average equity (ytd only) | 2.5687% | 5,029 |
| Net charge-offs to loans | -0.0170% | 6,467 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5608% | 805 |
| Assets per employee ($millions) | 2.3896% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 2,647 |
| Loan loss allowance to noncurrent loans | 74.7504% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.8539% | 2,858 |
| Noncurrent loans to loans | 2.4735% | 2,323 |
| Net loans and leases to total assets | 58.2022% | 4,102 |
| Net loans and leases to deposits | 66.6315% | 4,385 |
| Net loans and leases to core deposits | 72.8988% | 4,135 |
| Total domestic deposits to total assets | 87.3493% | 2,466 |
| Equity capital to assets | 9.2442% | 5,545 |
| Core capital (leverage) ratio | 9.1578% | 4,819 |
| Tier 1 risk-based capital ratio | 15.3206% | 3,634 |
| Total risk-based capital ratio | 16.5800% | 3,587 |
| Memoranda: | ||
| Average total assets | $48,484,250 | 6,327 |
| Average earning assets | $44,223,000 | 6,304 |
| Average equity | $4,360,250 | 6,553 |
| Average total loans | $31,346,750 | 5,961 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 1,342 |
| Cost of funding earning assets | 1.0045% | 1,739 |
| Net interest margin | 4.1623% | 1,860 |
| Noninterest income to average assets | 0.5625% | 3,506 |
| Noninterest expense to average assets | 4.0439% | 895 |
| Loan and lease loss provision to assets | 0.3284% | 2,005 |
| Net operating income to assets | -0.0159% | 6,342 |
| Return on assets (ROA) | 0.0944% | 6,328 |
| Pretax return on assets | 0.0985% | 6,332 |
| Return on Equity (ROE) | 1.0597% | 6,292 |
| Retained earnings to average equity (ytd only) | 1.0597% | 5,650 |
| Net charge-offs to loans | -0.0185% | 6,412 |
| Credit loss provision to net charge-offs | -2,666.6667% | 6,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8369% | 874 |
| Assets per employee ($millions) | 2.1994% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 3,088 |
| Loan loss allowance to noncurrent loans | 91.2740% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 3,195 |
| Noncurrent loans to loans | 1.9018% | 3,075 |
| Net loans and leases to total assets | 64.1011% | 3,011 |
| Net loans and leases to deposits | 72.5377% | 3,529 |
| Net loans and leases to core deposits | 79.3009% | 3,322 |
| Total domestic deposits to total assets | 88.3693% | 1,914 |
| Equity capital to assets | 9.4354% | 5,148 |
| Core capital (leverage) ratio | 8.9188% | 5,024 |
| Tier 1 risk-based capital ratio | 14.3163% | 4,234 |
| Total risk-based capital ratio | 15.5717% | 4,189 |
| Memoranda: | ||
| Average total assets | $48,715,000 | 6,358 |
| Average earning assets | $44,398,000 | 6,337 |
| Average equity | $4,341,000 | 6,592 |
| Average total loans | $32,349,000 | 5,946 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2117% | 1,293 |
| Cost of funding earning assets | 1.0441% | 1,718 |
| Net interest margin | 4.1676% | 1,859 |
| Noninterest income to average assets | 0.6403% | 2,984 |
| Noninterest expense to average assets | 3.9137% | 1,049 |
| Loan and lease loss provision to assets | 0.3842% | 1,636 |
| Net operating income to assets | 0.1377% | 6,153 |
| Return on assets (ROA) | 0.1761% | 6,194 |
| Pretax return on assets | 0.1841% | 6,228 |
| Return on Equity (ROE) | 2.0312% | 6,067 |
| Retained earnings to average equity (ytd only) | 2.0312% | 5,254 |
| Net charge-offs to loans | -0.0120% | 6,002 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1081% | 1,277 |
| Assets per employee ($millions) | 2.4435% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 4,125 |
| Loan loss allowance to noncurrent loans | 82.8814% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 3,348 |
| Noncurrent loans to loans | 1.8164% | 3,385 |
| Net loans and leases to total assets | 65.4648% | 2,568 |
| Net loans and leases to deposits | 73.6312% | 3,173 |
| Net loans and leases to core deposits | 82.1529% | 2,810 |
| Total domestic deposits to total assets | 88.9091% | 1,755 |
| Equity capital to assets | 8.9136% | 5,621 |
| Core capital (leverage) ratio | 8.4135% | 5,723 |
| Tier 1 risk-based capital ratio | 13.0498% | 5,175 |
| Total risk-based capital ratio | 14.3030% | 5,141 |
| Memoranda: | ||
| Average total assets | $49,978,500 | 6,370 |
| Average earning assets | $45,590,000 | 6,344 |
| Average equity | $4,332,500 | 6,625 |
| Average total loans | $33,458,500 | 5,939 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 1,412 |
| Cost of funding earning assets | 1.3295% | 1,345 |
| Net interest margin | 4.0736% | 2,552 |
| Noninterest income to average assets | 0.6388% | 2,953 |
| Noninterest expense to average assets | 3.6162% | 1,713 |
| Loan and lease loss provision to assets | 0.5595% | 1,865 |
| Net operating income to assets | 0.1686% | 5,678 |
| Return on assets (ROA) | 0.1820% | 5,777 |
| Pretax return on assets | 0.1839% | 5,825 |
| Return on Equity (ROE) | 2.2795% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.2795% | 4,590 |
| Net charge-offs to loans | 0.6998% | 2,406 |
| Credit loss provision to net charge-offs | 117.9592% | 2,723 |
| Earnings coverage of net charge-offs (x) | 1.5388% | 4,621 |
| Efficiency ratio | 83.2071% | 1,857 |
| Assets per employee ($millions) | 2.3222% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 5,031 |
| Loan loss allowance to noncurrent loans | 73.5786% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.7578% | 3,316 |
| Noncurrent loans to loans | 1.7366% | 3,566 |
| Net loans and leases to total assets | 66.5440% | 2,679 |
| Net loans and leases to deposits | 74.7921% | 3,376 |
| Net loans and leases to core deposits | 82.9980% | 3,024 |
| Total domestic deposits to total assets | 88.9720% | 1,554 |
| Equity capital to assets | 8.4345% | 6,219 |
| Core capital (leverage) ratio | 8.1220% | 6,114 |
| Tier 1 risk-based capital ratio | 12.2126% | 5,679 |
| Total risk-based capital ratio | 13.4642% | 5,650 |
| Memoranda: | ||
| Average total assets | $51,656,400 | 6,312 |
| Average earning assets | $47,010,000 | 6,297 |
| Average equity | $4,123,800 | 6,720 |
| Average total loans | $35,012,200 | 5,913 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4383% | 1,414 |
| Cost of funding earning assets | 1.4034% | 1,220 |
| Net interest margin | 4.0349% | 2,758 |
| Noninterest income to average assets | 0.5534% | 3,493 |
| Noninterest expense to average assets | 3.6011% | 1,707 |
| Loan and lease loss provision to assets | 0.7439% | 1,283 |
| Net operating income to assets | -0.1261% | 6,309 |
| Return on assets (ROA) | -0.1210% | 6,387 |
| Pretax return on assets | -0.1158% | 6,347 |
| Return on Equity (ROE) | -1.5370% | 6,430 |
| Retained earnings to average equity (ytd only) | -1.5370% | 6,231 |
| Net charge-offs to loans | 0.7357% | 2,087 |
| Credit loss provision to net charge-offs | 148.9691% | 2,111 |
| Earnings coverage of net charge-offs (x) | 1.2474% | 4,680 |
| Efficiency ratio | 85.2529% | 1,607 |
| Assets per employee ($millions) | 2.3600% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 4,442 |
| Loan loss allowance to noncurrent loans | 163.6667% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 4,198 |
| Noncurrent loans to loans | 0.8707% | 5,120 |
| Net loans and leases to total assets | 65.4192% | 3,026 |
| Net loans and leases to deposits | 73.4156% | 3,739 |
| Net loans and leases to core deposits | 81.2696% | 3,446 |
| Total domestic deposits to total assets | 89.1080% | 1,365 |
| Equity capital to assets | 8.0915% | 6,642 |
| Core capital (leverage) ratio | 7.7136% | 6,629 |
| Tier 1 risk-based capital ratio | 11.8101% | 6,029 |
| Total risk-based capital ratio | 13.0629% | 6,018 |
| Memoranda: | ||
| Average total assets | $51,798,500 | 6,367 |
| Average earning assets | $47,121,500 | 6,334 |
| Average equity | $4,077,500 | 6,780 |
| Average total loans | $35,156,250 | 5,964 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 1,392 |
| Cost of funding earning assets | 1.4590% | 1,167 |
| Net interest margin | 3.9995% | 2,839 |
| Noninterest income to average assets | 0.5023% | 3,843 |
| Noninterest expense to average assets | 3.5009% | 1,973 |
| Loan and lease loss provision to assets | 1.0781% | 766 |
| Net operating income to assets | -0.4405% | 6,646 |
| Return on assets (ROA) | -0.4328% | 6,669 |
| Pretax return on assets | -0.4251% | 6,606 |
| Return on Equity (ROE) | -5.5496% | 6,746 |
| Retained earnings to average equity (ytd only) | -5.5496% | 6,610 |
| Net charge-offs to loans | 1.1472% | 1,365 |
| Credit loss provision to net charge-offs | 137.4384% | 2,224 |
| Earnings coverage of net charge-offs (x) | 0.8227% | 4,687 |
| Efficiency ratio | 84.4362% | 1,767 |
| Assets per employee ($millions) | 2.2813% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 4,921 |
| Loan loss allowance to noncurrent loans | 87.8957% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9249% | 3,342 |
| Noncurrent loans to loans | 1.5144% | 4,155 |
| Net loans and leases to total assets | 66.6787% | 2,895 |
| Net loans and leases to deposits | 73.3572% | 3,892 |
| Net loans and leases to core deposits | 81.5073% | 3,579 |
| Total domestic deposits to total assets | 90.8959% | 543 |
| Equity capital to assets | 7.7795% | 6,817 |
| Core capital (leverage) ratio | 7.8634% | 6,446 |
| Tier 1 risk-based capital ratio | 11.4466% | 6,206 |
| Total risk-based capital ratio | 12.6973% | 6,199 |
| Memoranda: | ||
| Average total assets | $51,758,330 | 6,420 |
| Average earning assets | $47,156,330 | 6,391 |
| Average equity | $4,036,330 | 6,837 |
| Average total loans | $35,389,670 | 5,999 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 1,463 |
| Cost of funding earning assets | 1.5150% | 1,106 |
| Net interest margin | 3.9202% | 3,043 |
| Noninterest income to average assets | 0.4903% | 3,966 |
| Noninterest expense to average assets | 3.6263% | 1,712 |
| Loan and lease loss provision to assets | 1.8988% | 296 |
| Net operating income to assets | -1.4708% | 7,190 |
| Return on assets (ROA) | -1.4552% | 7,192 |
| Pretax return on assets | -1.4552% | 7,146 |
| Return on Equity (ROE) | -18.6371% | 7,202 |
| Retained earnings to average equity (ytd only) | -18.6371% | 7,131 |
| Net charge-offs to loans | 2.2628% | 534 |
| Credit loss provision to net charge-offs | 122.0000% | 2,243 |
| Earnings coverage of net charge-offs (x) | 0.2750% | 4,406 |
| Efficiency ratio | 89.4434% | 1,380 |
| Assets per employee ($millions) | 2.3406% | 7,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 5,273 |
| Loan loss allowance to noncurrent loans | 77.1930% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 3,561 |
| Noncurrent loans to loans | 1.6505% | 4,005 |
| Net loans and leases to total assets | 66.2135% | 2,952 |
| Net loans and leases to deposits | 72.2526% | 4,035 |
| Net loans and leases to core deposits | 79.5094% | 3,818 |
| Total domestic deposits to total assets | 91.6417% | 383 |
| Equity capital to assets | 7.6125% | 6,804 |
| Core capital (leverage) ratio | 7.6112% | 6,646 |
| Tier 1 risk-based capital ratio | 11.6491% | 5,981 |
| Total risk-based capital ratio | 12.8990% | 5,971 |
| Memoranda: | ||
| Average total assets | $51,402,000 | 6,479 |
| Average earning assets | $46,732,500 | 6,464 |
| Average equity | $4,013,500 | 6,883 |
| Average total loans | $35,355,000 | 6,060 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 1,209 |
| Cost of funding earning assets | 1.8721% | 934 |
| Net interest margin | 3.9539% | 3,247 |
| Noninterest income to average assets | 0.4318% | 4,668 |
| Noninterest expense to average assets | 3.5575% | 2,040 |
| Loan and lease loss provision to assets | 0.5146% | 3,092 |
| Net operating income to assets | -0.0262% | 5,887 |
| Return on assets (ROA) | -0.0242% | 5,990 |
| Pretax return on assets | -0.0242% | 5,928 |
| Return on Equity (ROE) | -0.2919% | 5,999 |
| Retained earnings to average equity (ytd only) | -0.2919% | 5,666 |
| Net charge-offs to loans | 0.2293% | 4,908 |
| Credit loss provision to net charge-offs | 307.2289% | 864 |
| Earnings coverage of net charge-offs (x) | 2.9157% | 3,618 |
| Efficiency ratio | 87.9302% | 1,487 |
| Assets per employee ($millions) | 2.3323% | 7,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 5,968 |
| Loan loss allowance to noncurrent loans | 54.0246% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.1360% | 3,168 |
| Noncurrent loans to loans | 2.0263% | 3,526 |
| Net loans and leases to total assets | 69.7291% | 2,589 |
| Net loans and leases to deposits | 76.4569% | 3,772 |
| Net loans and leases to core deposits | 84.6917% | 3,495 |
| Total domestic deposits to total assets | 91.2005% | 504 |
| Equity capital to assets | 8.0043% | 6,495 |
| Core capital (leverage) ratio | 8.0524% | 6,115 |
| Tier 1 risk-based capital ratio | 11.5057% | 5,909 |
| Total risk-based capital ratio | 12.6191% | 6,014 |
| Memoranda: | ||
| Average total assets | $49,557,800 | 6,556 |
| Average earning assets | $45,297,400 | 6,526 |
| Average equity | $4,111,600 | 6,956 |
| Average total loans | $36,189,600 | 6,106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8770% | 1,189 |
| Cost of funding earning assets | 1.9303% | 935 |
| Net interest margin | 3.9467% | 3,335 |
| Noninterest income to average assets | 0.4099% | 4,879 |
| Noninterest expense to average assets | 3.5233% | 1,981 |
| Loan and lease loss provision to assets | 0.5483% | 2,754 |
| Net operating income to assets | -0.0543% | 6,107 |
| Return on assets (ROA) | -0.0516% | 6,217 |
| Pretax return on assets | -0.0516% | 6,169 |
| Return on Equity (ROE) | -0.6159% | 6,237 |
| Retained earnings to average equity (ytd only) | -0.6159% | 5,946 |
| Net charge-offs to loans | 0.0663% | 5,847 |
| Credit loss provision to net charge-offs | 1,122.2222% | 263 |
| Earnings coverage of net charge-offs (x) | 10.1108% | 1,920 |
| Efficiency ratio | 87.7027% | 1,477 |
| Assets per employee ($millions) | 2.3319% | 7,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 6,060 |
| Loan loss allowance to noncurrent loans | 42.5443% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 3,285 |
| Noncurrent loans to loans | 2.5193% | 3,098 |
| Net loans and leases to total assets | 73.4045% | 1,929 |
| Net loans and leases to deposits | 80.5726% | 3,346 |
| Net loans and leases to core deposits | 87.1552% | 3,497 |
| Total domestic deposits to total assets | 91.1037% | 410 |
| Equity capital to assets | 8.1186% | 6,697 |
| Core capital (leverage) ratio | 8.0148% | 6,330 |
| Tier 1 risk-based capital ratio | 11.0025% | 6,383 |
| Total risk-based capital ratio | 12.1014% | 6,484 |
| Memoranda: | ||
| Average total assets | $49,119,750 | 6,652 |
| Average earning assets | $44,897,250 | 6,621 |
| Average equity | $4,112,750 | 7,047 |
| Average total loans | $36,193,500 | 6,193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8211% | 1,377 |
| Cost of funding earning assets | 1.9704% | 985 |
| Net interest margin | 3.8507% | 3,674 |
| Noninterest income to average assets | 0.3761% | 5,116 |
| Noninterest expense to average assets | 3.5584% | 1,890 |
| Loan and lease loss provision to assets | 0.8100% | 1,783 |
| Net operating income to assets | -0.4629% | 6,615 |
| Return on assets (ROA) | -0.4629% | 6,653 |
| Pretax return on assets | -0.4629% | 6,555 |
| Return on Equity (ROE) | -5.4696% | 6,738 |
| Retained earnings to average equity (ytd only) | -5.4696% | 6,609 |
| Net charge-offs to loans | 0.0337% | 5,877 |
| Credit loss provision to net charge-offs | 3,266.6667% | 126 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,555 |
| Efficiency ratio | 91.1111% | 1,257 |
| Assets per employee ($millions) | 2.2907% | 7,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 5,909 |
| Loan loss allowance to noncurrent loans | 45.8980% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8315% | 3,717 |
| Noncurrent loans to loans | 2.4105% | 3,239 |
| Net loans and leases to total assets | 73.4304% | 2,051 |
| Net loans and leases to deposits | 80.5757% | 3,506 |
| Net loans and leases to core deposits | 87.8022% | 3,571 |
| Total domestic deposits to total assets | 91.1322% | 437 |
| Equity capital to assets | 8.0721% | 6,680 |
| Core capital (leverage) ratio | 8.0236% | 6,246 |
| Tier 1 risk-based capital ratio | 10.9128% | 6,328 |
| Total risk-based capital ratio | 12.0445% | 6,434 |
| Memoranda: | ||
| Average total assets | $48,392,330 | 6,718 |
| Average earning assets | $44,355,670 | 6,685 |
| Average equity | $4,095,330 | 7,085 |
| Average total loans | $35,569,330 | 6,263 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8024% | 1,444 |
| Cost of funding earning assets | 2.0018% | 1,078 |
| Net interest margin | 3.8007% | 3,796 |
| Noninterest income to average assets | 0.3461% | 5,372 |
| Noninterest expense to average assets | 3.6125% | 1,707 |
| Loan and lease loss provision to assets | 1.0382% | 1,191 |
| Net operating income to assets | -0.8272% | 7,019 |
| Return on assets (ROA) | -0.8272% | 7,047 |
| Pretax return on assets | -0.8272% | 6,965 |
| Return on Equity (ROE) | -9.5400% | 7,120 |
| Retained earnings to average equity (ytd only) | -9.5400% | 6,935 |
| Net charge-offs to loans | -0.0231% | 7,111 |
| Credit loss provision to net charge-offs | -6,150.0000% | 6,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4812% | 1,110 |
| Assets per employee ($millions) | 2.3081% | 7,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,474 |
| Loan loss allowance to noncurrent loans | 89.4872% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 5,515 |
| Noncurrent loans to loans | 1.1176% | 5,125 |
| Net loans and leases to total assets | 71.2735% | 2,626 |
| Net loans and leases to deposits | 78.5766% | 3,927 |
| Net loans and leases to core deposits | 85.3961% | 3,979 |
| Total domestic deposits to total assets | 90.7058% | 650 |
| Equity capital to assets | 8.3658% | 6,202 |
| Core capital (leverage) ratio | 8.3446% | 5,654 |
| Tier 1 risk-based capital ratio | 11.5521% | 5,630 |
| Total risk-based capital ratio | 12.5588% | 5,809 |
| Memoranda: | ||
| Average total assets | $47,390,500 | 6,825 |
| Average earning assets | $43,361,000 | 6,803 |
| Average equity | $4,109,000 | 7,140 |
| Average total loans | $34,644,000 | 6,389 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1646% | 1,333 |
| Cost of funding earning assets | 2.3447% | 1,478 |
| Net interest margin | 3.8198% | 3,622 |
| Noninterest income to average assets | 0.3796% | 5,379 |
| Noninterest expense to average assets | 3.4884% | 2,398 |
| Loan and lease loss provision to assets | 0.4630% | 4,052 |
| Net operating income to assets | -0.0231% | 5,537 |
| Return on assets (ROA) | 0.1157% | 5,222 |
| Pretax return on assets | 0.1157% | 5,184 |
| Return on Equity (ROE) | 1.1972% | 5,170 |
| Retained earnings to average equity (ytd only) | 1.1972% | 4,206 |
| Net charge-offs to loans | 0.6526% | 3,235 |
| Credit loss provision to net charge-offs | 93.8967% | 5,854 |
| Earnings coverage of net charge-offs (x) | 0.8920% | 5,218 |
| Efficiency ratio | 88.8038% | 1,816 |
| Assets per employee ($millions) | 2.2052% | 7,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 7,470 |
| Loan loss allowance to noncurrent loans | 95.3191% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.4727% | 4,185 |
| Noncurrent loans to loans | 0.6833% | 5,872 |
| Net loans and leases to total assets | 73.7810% | 2,320 |
| Net loans and leases to deposits | 81.9848% | 3,616 |
| Net loans and leases to core deposits | 113.2441% | 2,573 |
| Total domestic deposits to total assets | 89.9935% | 963 |
| Equity capital to assets | 8.9894% | 5,166 |
| Core capital (leverage) ratio | 8.8433% | 4,696 |
| Tier 1 risk-based capital ratio | 12.1119% | 4,838 |
| Total risk-based capital ratio | 12.7730% | 5,334 |
| Memoranda: | ||
| Average total assets | $43,200,000 | 6,984 |
| Average earning assets | $40,132,600 | 6,937 |
| Average equity | $4,176,400 | 7,220 |
| Average total loans | $32,637,400 | 6,486 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1783% | 1,425 |
| Cost of funding earning assets | 2.3825% | 1,693 |
| Net interest margin | 3.7958% | 3,677 |
| Noninterest income to average assets | 0.3709% | 5,544 |
| Noninterest expense to average assets | 3.4446% | 2,438 |
| Loan and lease loss provision to assets | 0.3331% | 4,340 |
| Net operating income to assets | 0.1383% | 5,358 |
| Return on assets (ROA) | 0.3269% | 4,799 |
| Pretax return on assets | 0.3269% | 4,987 |
| Return on Equity (ROE) | 3.3174% | 4,654 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,451 |
| Net charge-offs to loans | 0.3644% | 3,830 |
| Credit loss provision to net charge-offs | 120.4545% | 4,212 |
| Earnings coverage of net charge-offs (x) | 1.7046% | 4,518 |
| Efficiency ratio | 87.9615% | 1,878 |
| Assets per employee ($millions) | 2.2646% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 7,271 |
| Loan loss allowance to noncurrent loans | 101.5936% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 1.4440% | 4,219 |
| Noncurrent loans to loans | 0.7346% | 5,843 |
| Net loans and leases to total assets | 74.8802% | 2,272 |
| Net loans and leases to deposits | 83.4806% | 3,737 |
| Net loans and leases to core deposits | 117.1509% | 2,513 |
| Total domestic deposits to total assets | 89.6977% | 890 |
| Equity capital to assets | 9.3749% | 4,921 |
| Core capital (leverage) ratio | 9.4153% | 4,030 |
| Tier 1 risk-based capital ratio | 12.4974% | 4,542 |
| Total risk-based capital ratio | 13.2638% | 4,898 |
| Memoranda: | ||
| Average total assets | $42,422,500 | 7,059 |
| Average earning assets | $39,621,750 | 7,011 |
| Average equity | $4,179,750 | 7,290 |
| Average total loans | $32,198,750 | 6,559 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2175% | 1,404 |
| Cost of funding earning assets | 2.4225% | 1,871 |
| Net interest margin | 3.7950% | 3,568 |
| Noninterest income to average assets | 0.3473% | 5,727 |
| Noninterest expense to average assets | 3.3473% | 2,808 |
| Loan and lease loss provision to assets | 0.4582% | 3,236 |
| Net operating income to assets | 0.1158% | 5,515 |
| Return on assets (ROA) | 0.4051% | 4,603 |
| Pretax return on assets | 0.4051% | 4,919 |
| Return on Equity (ROE) | 4.0407% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.0407% | 3,036 |
| Net charge-offs to loans | 0.0063% | 6,512 |
| Credit loss provision to net charge-offs | 9,500.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 322 |
| Efficiency ratio | 85.3629% | 2,314 |
| Assets per employee ($millions) | 2.5173% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,215 |
| Loan loss allowance to noncurrent loans | 69.3920% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 4,725 |
| Noncurrent loans to loans | 1.4456% | 4,330 |
| Net loans and leases to total assets | 76.3331% | 2,097 |
| Net loans and leases to deposits | 85.6050% | 3,619 |
| Net loans and leases to core deposits | 123.2679% | 2,090 |
| Total domestic deposits to total assets | 89.1690% | 1,183 |
| Equity capital to assets | 9.8074% | 4,203 |
| Core capital (leverage) ratio | 9.6870% | 3,650 |
| Tier 1 risk-based capital ratio | 13.0759% | 4,088 |
| Total risk-based capital ratio | 14.1218% | 4,144 |
| Memoranda: | ||
| Average total assets | $41,466,330 | 7,153 |
| Average earning assets | $39,051,000 | 7,088 |
| Average equity | $4,157,670 | 7,357 |
| Average total loans | $31,542,000 | 6,641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2175% | 1,544 |
| Cost of funding earning assets | 2.4641% | 2,052 |
| Net interest margin | 3.7534% | 3,643 |
| Noninterest income to average assets | 0.3039% | 6,005 |
| Noninterest expense to average assets | 3.2645% | 2,754 |
| Loan and lease loss provision to assets | 0.8039% | 1,605 |
| Net operating income to assets | -0.2255% | 6,593 |
| Return on assets (ROA) | 0.1667% | 5,933 |
| Pretax return on assets | 0.1667% | 6,015 |
| Return on Equity (ROE) | 1.6433% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.6433% | 4,926 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9490% | 2,202 |
| Assets per employee ($millions) | 2.4928% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,173 |
| Loan loss allowance to noncurrent loans | 78.3784% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 4,795 |
| Noncurrent loans to loans | 1.2769% | 4,428 |
| Net loans and leases to total assets | 74.4649% | 2,631 |
| Net loans and leases to deposits | 86.4358% | 3,559 |
| Net loans and leases to core deposits | 124.5894% | 2,029 |
| Total domestic deposits to total assets | 86.1505% | 2,635 |
| Equity capital to assets | 9.7718% | 4,276 |
| Core capital (leverage) ratio | 9.8157% | 3,619 |
| Tier 1 risk-based capital ratio | 13.5540% | 3,829 |
| Total risk-based capital ratio | 14.6164% | 3,860 |
| Memoranda: | ||
| Average total assets | $40,802,500 | 7,215 |
| Average earning assets | $38,472,000 | 7,147 |
| Average equity | $4,138,000 | 7,401 |
| Average total loans | $30,814,500 | 6,715 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5000% | 2,961 |
| Cost of funding earning assets | 2.9069% | 2,240 |
| Net interest margin | 3.5930% | 4,921 |
| Noninterest income to average assets | 0.4899% | 4,692 |
| Noninterest expense to average assets | 3.4883% | 2,427 |
| Loan and lease loss provision to assets | 0.3975% | 3,306 |
| Net operating income to assets | 0.0056% | 6,353 |
| Return on assets (ROA) | 0.0252% | 6,150 |
| Pretax return on assets | 0.0252% | 6,103 |
| Return on Equity (ROE) | 0.2221% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.2221% | 5,096 |
| Net charge-offs to loans | 0.4939% | 2,382 |
| Credit loss provision to net charge-offs | 111.8110% | 4,824 |
| Earnings coverage of net charge-offs (x) | 1.1339% | 5,559 |
| Efficiency ratio | 89.6403% | 1,540 |
| Assets per employee ($millions) | 2.3075% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 7,119 |
| Loan loss allowance to noncurrent loans | 58.6634% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 4,248 |
| Noncurrent loans to loans | 1.3578% | 3,807 |
| Net loans and leases to total assets | 75.2447% | 2,821 |
| Net loans and leases to deposits | 86.4258% | 4,051 |
| Net loans and leases to core deposits | 121.2695% | 2,580 |
| Total domestic deposits to total assets | 87.0628% | 1,909 |
| Equity capital to assets | 10.5409% | 3,447 |
| Core capital (leverage) ratio | 10.5868% | 2,917 |
| Tier 1 risk-based capital ratio | 14.7060% | 3,202 |
| Total risk-based capital ratio | 15.5657% | 3,310 |
| Memoranda: | ||
| Average total assets | $35,719,200 | 7,396 |
| Average earning assets | $33,815,600 | 7,331 |
| Average equity | $4,051,400 | 7,494 |
| Average total loans | $25,714,400 | 6,985 |