Home > Spectra Bank > Performance and Condition Ratios
Spectra 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 | 5.6218% | 1,012 |
| Cost of funding earning assets | 2.3682% | 485 |
| Net interest margin | 3.2536% | 2,747 |
| Noninterest income to average assets | 2.0200% | 265 |
| Noninterest expense to average assets | 5.7864% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.9954% | 4,534 |
| Return on assets (ROA) | -1.0286% | 4,525 |
| Pretax return on assets | -1.0286% | 4,521 |
| Return on Equity (ROE) | -24.8000% | 4,557 |
| Retained earnings to average equity (ytd only) | -24.7957% | 4,537 |
| Net charge-offs to loans | -0.0999% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 120.3562% | 75 |
| Assets per employee ($millions) | 3.8240% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 974 |
| Loan loss allowance to noncurrent loans | 129.9003% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 724 |
| Noncurrent loans to loans | 1.1799% | 606 |
| Net loans and leases to total assets | 59.7200% | 2,873 |
| Net loans and leases to deposits | 62.6792% | 3,369 |
| Net loans and leases to core deposits | 71.6202% | 3,215 |
| Total domestic deposits to total assets | 95.2700% | 54 |
| Equity capital to assets | 3.8109% | 4,506 |
| Core capital (leverage) ratio | 5.6278% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6734% | 2,890 |
| Memoranda: | ||
| Average total assets | $84,387,200 | 3,978 |
| Average earning assets | $71,828,000 | 4,020 |
| Average equity | $3,500,600 | 4,389 |
| Average total loans | $48,057,600 | 3,869 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4791% | 1,035 |
| Cost of funding earning assets | 2.1909% | 506 |
| Net interest margin | 3.2882% | 2,713 |
| Noninterest income to average assets | 2.0300% | 281 |
| Noninterest expense to average assets | 5.7957% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.9583% | 4,567 |
| Return on assets (ROA) | -0.9583% | 4,561 |
| Pretax return on assets | -0.9583% | 4,550 |
| Return on Equity (ROE) | -22.6400% | 4,577 |
| Retained earnings to average equity (ytd only) | -22.6429% | 4,556 |
| Net charge-offs to loans | -0.1353% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 119.2559% | 78 |
| Assets per employee ($millions) | 4.4002% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 964 |
| Loan loss allowance to noncurrent loans | 127.3616% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 766 |
| Noncurrent loans to loans | 1.2251% | 637 |
| Net loans and leases to total assets | 59.0100% | 2,940 |
| Net loans and leases to deposits | 64.5227% | 3,225 |
| Net loans and leases to core deposits | 74.0825% | 2,993 |
| Total domestic deposits to total assets | 91.4600% | 565 |
| Equity capital to assets | 3.6661% | 4,437 |
| Core capital (leverage) ratio | 6.0106% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.5993% | 2,907 |
| Memoranda: | ||
| Average total assets | $84,452,000 | 3,991 |
| Average earning assets | $72,175,750 | 4,029 |
| Average equity | $3,574,250 | 4,402 |
| Average total loans | $47,317,000 | 3,892 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 1,247 |
| Cost of funding earning assets | 1.8956% | 614 |
| Net interest margin | 3.2787% | 2,801 |
| Noninterest income to average assets | 1.9800% | 243 |
| Noninterest expense to average assets | 6.0903% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.3068% | 4,611 |
| Return on assets (ROA) | -1.3068% | 4,607 |
| Pretax return on assets | -1.3068% | 4,601 |
| Return on Equity (ROE) | -29.1600% | 4,621 |
| Retained earnings to average equity (ytd only) | -29.1605% | 4,600 |
| Net charge-offs to loans | -0.2070% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 127.2189% | 59 |
| Assets per employee ($millions) | 4.0696% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,015 |
| Loan loss allowance to noncurrent loans | 34.0148% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.6901% | 89 |
| Noncurrent loans to loans | 4.5850% | 63 |
| Net loans and leases to total assets | 57.7600% | 2,984 |
| Net loans and leases to deposits | 61.9844% | 3,307 |
| Net loans and leases to core deposits | 70.5314% | 3,095 |
| Total domestic deposits to total assets | 93.1800% | 226 |
| Equity capital to assets | 4.0474% | 4,496 |
| Core capital (leverage) ratio | 5.9145% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9384% | 2,928 |
| Memoranda: | ||
| Average total assets | $84,790,333 | 4,004 |
| Average earning assets | $72,590,667 | 4,044 |
| Average equity | $3,799,667 | 4,409 |
| Average total loans | $46,383,333 | 3,917 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 1,633 |
| Cost of funding earning assets | 1.2780% | 1,281 |
| Net interest margin | 3.5173% | 2,315 |
| Noninterest income to average assets | 1.8800% | 247 |
| Noninterest expense to average assets | 5.5557% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.6299% | 4,597 |
| Return on assets (ROA) | -0.6299% | 4,586 |
| Pretax return on assets | -0.6299% | 4,577 |
| Return on Equity (ROE) | -13.4000% | 4,615 |
| Retained earnings to average equity (ytd only) | -13.4005% | 4,532 |
| Net charge-offs to loans | -0.3146% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 112.6923% | 92 |
| Assets per employee ($millions) | 3.8954% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 895 |
| Loan loss allowance to noncurrent loans | 33.4203% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.6850% | 70 |
| Noncurrent loans to loans | 4.9516% | 57 |
| Net loans and leases to total assets | 53.3300% | 3,252 |
| Net loans and leases to deposits | 59.9004% | 3,339 |
| Net loans and leases to core deposits | 68.8382% | 3,033 |
| Total domestic deposits to total assets | 89.0300% | 1,537 |
| Equity capital to assets | 4.7375% | 4,457 |
| Core capital (leverage) ratio | 6.8157% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4677% | 2,861 |
| Memoranda: | ||
| Average total assets | $84,454,500 | 4,058 |
| Average earning assets | $73,237,000 | 4,093 |
| Average equity | $3,970,000 | 4,455 |
| Average total loans | $44,504,000 | 3,989 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 2,771 |
| Cost of funding earning assets | 0.4287% | 1,868 |
| Net interest margin | 3.1827% | 2,922 |
| Noninterest income to average assets | 1.7300% | 301 |
| Noninterest expense to average assets | 4.4546% | 260 |
| Loan and lease loss provision to assets | -0.8700% | 4,704 |
| Net operating income to assets | 0.7422% | 3,503 |
| Return on assets (ROA) | 0.7422% | 3,442 |
| Pretax return on assets | 0.7422% | 3,761 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 15.3854% | 264 |
| Net charge-offs to loans | -1.7841% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 102.0370% | 135 |
| Assets per employee ($millions) | 3.7823% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 772 |
| Loan loss allowance to noncurrent loans | 31.6926% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.7833% | 60 |
| Noncurrent loans to loans | 5.4445% | 45 |
| Net loans and leases to total assets | 50.2400% | 3,489 |
| Net loans and leases to deposits | 52.8897% | 3,738 |
| Net loans and leases to core deposits | 57.1835% | 3,662 |
| Total domestic deposits to total assets | 94.9900% | 142 |
| Equity capital to assets | 4.6629% | 4,441 |
| Core capital (leverage) ratio | 7.2449% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6183% | 2,524 |
| Memoranda: | ||
| Average total assets | $86,226,200 | 4,058 |
| Average earning assets | $70,443,000 | 4,150 |
| Average equity | $4,159,800 | 4,515 |
| Average total loans | $35,759,800 | 4,143 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 3,359 |
| Cost of funding earning assets | 0.3519% | 1,685 |
| Net interest margin | 2.8791% | 3,543 |
| Noninterest income to average assets | 1.6100% | 337 |
| Noninterest expense to average assets | 4.1449% | 300 |
| Loan and lease loss provision to assets | -1.1500% | 4,745 |
| Net operating income to assets | 0.9611% | 2,619 |
| Return on assets (ROA) | 0.9611% | 2,595 |
| Pretax return on assets | 0.9611% | 3,136 |
| Return on Equity (ROE) | 19.7600% | 458 |
| Retained earnings to average equity (ytd only) | 19.7643% | 109 |
| Net charge-offs to loans | -2.4697% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 104.4556% | 124 |
| Assets per employee ($millions) | 3.6395% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 707 |
| Loan loss allowance to noncurrent loans | 31.3903% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 2.8925% | 57 |
| Noncurrent loans to loans | 5.7881% | 43 |
| Net loans and leases to total assets | 49.0700% | 3,525 |
| Net loans and leases to deposits | 51.6167% | 3,757 |
| Net loans and leases to core deposits | 55.6924% | 3,643 |
| Total domestic deposits to total assets | 95.0600% | 212 |
| Equity capital to assets | 4.5985% | 4,380 |
| Core capital (leverage) ratio | 6.6845% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4930% | 2,267 |
| Memoranda: | ||
| Average total assets | $86,980,250 | 4,078 |
| Average earning assets | $70,854,750 | 4,182 |
| Average equity | $4,229,750 | 4,552 |
| Average total loans | $34,065,250 | 4,193 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7901% | 3,995 |
| Cost of funding earning assets | 0.3756% | 1,077 |
| Net interest margin | 2.4144% | 4,210 |
| Noninterest income to average assets | 1.3664% | 386 |
| Noninterest expense to average assets | 3.8126% | 320 |
| Loan and lease loss provision to assets | -1.6800% | 4,769 |
| Net operating income to assets | 1.2208% | 1,362 |
| Return on assets (ROA) | 1.2208% | 1,349 |
| Pretax return on assets | 1.2208% | 2,002 |
| Return on Equity (ROE) | 24.7035% | 122 |
| Retained earnings to average equity (ytd only) | 24.7035% | 36 |
| Net charge-offs to loans | -3.8027% | 4,731 |
| Credit loss provision to net charge-offs | 122.9508% | 1,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2933% | 105 |
| Assets per employee ($millions) | 3.9195% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 661 |
| Loan loss allowance to noncurrent loans | 28.7109% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 2.8517% | 69 |
| Noncurrent loans to loans | 6.6111% | 28 |
| Net loans and leases to total assets | 42.3164% | 3,952 |
| Net loans and leases to deposits | 44.6758% | 4,085 |
| Net loans and leases to core deposits | 46.6170% | 4,097 |
| Total domestic deposits to total assets | 94.7187% | 171 |
| Equity capital to assets | 4.9786% | 4,480 |
| Core capital (leverage) ratio | 6.5501% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4279% | 2,326 |
| Memoranda: | ||
| Average total assets | $89,284,000 | 4,089 |
| Average earning assets | $73,475,000 | 4,200 |
| Average equity | $4,412,333 | 4,581 |
| Average total loans | $32,082,667 | 4,279 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4081% | 4,372 |
| Cost of funding earning assets | 0.4225% | 767 |
| Net interest margin | 1.9856% | 4,524 |
| Noninterest income to average assets | 1.0131% | 660 |
| Noninterest expense to average assets | 3.9731% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.3038% | 4,747 |
| Return on assets (ROA) | -1.3038% | 4,745 |
| Pretax return on assets | -1.3038% | 4,741 |
| Return on Equity (ROE) | -26.4758% | 4,781 |
| Retained earnings to average equity (ytd only) | -26.4758% | 4,736 |
| Net charge-offs to loans | -0.7722% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.3498% | 43 |
| Assets per employee ($millions) | 4.0983% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0996% | 148 |
| Loan loss allowance to noncurrent loans | 39.1248% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 2.5598% | 89 |
| Noncurrent loans to loans | 7.9223% | 25 |
| Net loans and leases to total assets | 31.3100% | 4,408 |
| Net loans and leases to deposits | 32.8176% | 4,469 |
| Net loans and leases to core deposits | 35.8135% | 4,430 |
| Total domestic deposits to total assets | 95.4061% | 22 |
| Equity capital to assets | 4.3100% | 4,768 |
| Core capital (leverage) ratio | 3.0783% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 6.7284% | 3,096 |
| Memoranda: | ||
| Average total assets | $90,811,500 | 4,088 |
| Average earning assets | $75,745,500 | 4,194 |
| Average equity | $4,472,000 | 4,615 |
| Average total loans | $29,526,500 | 4,338 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9907% | 3,888 |
| Cost of funding earning assets | 0.5467% | 728 |
| Net interest margin | 2.4440% | 4,264 |
| Noninterest income to average assets | 1.8324% | 361 |
| Noninterest expense to average assets | 4.1474% | 262 |
| Loan and lease loss provision to assets | -0.7990% | 4,826 |
| Net operating income to assets | 0.6083% | 3,856 |
| Return on assets (ROA) | 0.6083% | 3,903 |
| Pretax return on assets | 0.6083% | 4,090 |
| Return on Equity (ROE) | 11.2433% | 2,077 |
| Retained earnings to average equity (ytd only) | 11.2433% | 659 |
| Net charge-offs to loans | -1.8175% | 4,800 |
| Credit loss provision to net charge-offs | 108.5384% | 1,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7695% | 122 |
| Assets per employee ($millions) | 4.1573% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6055% | 243 |
| Loan loss allowance to noncurrent loans | 36.6392% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.5246% | 103 |
| Noncurrent loans to loans | 7.1112% | 33 |
| Net loans and leases to total assets | 34.5769% | 4,354 |
| Net loans and leases to deposits | 36.7030% | 4,452 |
| Net loans and leases to core deposits | 40.9823% | 4,370 |
| Total domestic deposits to total assets | 94.2073% | 12 |
| Equity capital to assets | 5.5303% | 4,826 |
| Core capital (leverage) ratio | 5.4755% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3561% | 2,096 |
| Memoranda: | ||
| Average total assets | $93,865,800 | 4,060 |
| Average earning assets | $81,587,200 | 4,105 |
| Average equity | $5,078,600 | 4,623 |
| Average total loans | $38,018,800 | 4,231 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1179% | 3,773 |
| Cost of funding earning assets | 0.5634% | 774 |
| Net interest margin | 2.5545% | 4,200 |
| Noninterest income to average assets | 1.7727% | 408 |
| Noninterest expense to average assets | 4.1551% | 260 |
| Loan and lease loss provision to assets | -1.0586% | 4,908 |
| Net operating income to assets | 0.9160% | 3,196 |
| Return on assets (ROA) | 0.9160% | 3,264 |
| Pretax return on assets | 0.9160% | 3,660 |
| Return on Equity (ROE) | 17.0211% | 760 |
| Retained earnings to average equity (ytd only) | 17.0211% | 237 |
| Net charge-offs to loans | -2.2297% | 4,871 |
| Credit loss provision to net charge-offs | 113.8088% | 1,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2863% | 138 |
| Assets per employee ($millions) | 4.3227% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4195% | 324 |
| Loan loss allowance to noncurrent loans | 35.2534% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.4280% | 127 |
| Noncurrent loans to loans | 6.8630% | 42 |
| Net loans and leases to total assets | 34.5216% | 4,446 |
| Net loans and leases to deposits | 36.6570% | 4,558 |
| Net loans and leases to core deposits | 41.5107% | 4,466 |
| Total domestic deposits to total assets | 94.1746% | 8 |
| Equity capital to assets | 5.4627% | 4,902 |
| Core capital (leverage) ratio | 5.3431% | 4,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0938% | 2,682 |
| Memoranda: | ||
| Average total assets | $94,467,250 | 4,099 |
| Average earning assets | $82,830,750 | 4,147 |
| Average equity | $5,083,750 | 4,689 |
| Average total loans | $39,406,000 | 4,262 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 3,648 |
| Cost of funding earning assets | 0.5917% | 775 |
| Net interest margin | 2.6228% | 4,126 |
| Noninterest income to average assets | 1.8800% | 364 |
| Noninterest expense to average assets | 4.2013% | 248 |
| Loan and lease loss provision to assets | -1.5914% | 4,947 |
| Net operating income to assets | 1.5744% | 1,106 |
| Return on assets (ROA) | 1.5744% | 1,165 |
| Pretax return on assets | 1.5744% | 1,812 |
| Return on Equity (ROE) | 29.4055% | 104 |
| Retained earnings to average equity (ytd only) | 29.4055% | 37 |
| Net charge-offs to loans | -3.1312% | 4,909 |
| Credit loss provision to net charge-offs | 115.9196% | 1,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4057% | 164 |
| Assets per employee ($millions) | 3.8477% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0976% | 508 |
| Loan loss allowance to noncurrent loans | 125.5086% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 1,301 |
| Noncurrent loans to loans | 1.6713% | 638 |
| Net loans and leases to total assets | 37.4170% | 4,411 |
| Net loans and leases to deposits | 39.6559% | 4,531 |
| Net loans and leases to core deposits | 43.4185% | 4,481 |
| Total domestic deposits to total assets | 94.3543% | 8 |
| Equity capital to assets | 5.3179% | 4,940 |
| Core capital (leverage) ratio | 5.4015% | 4,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2391% | 2,632 |
| Memoranda: | ||
| Average total assets | $94,256,333 | 4,125 |
| Average earning assets | $82,812,333 | 4,173 |
| Average equity | $5,046,667 | 4,724 |
| Average total loans | $41,326,667 | 4,250 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4589% | 3,051 |
| Cost of funding earning assets | 0.6130% | 830 |
| Net interest margin | 2.8459% | 3,651 |
| Noninterest income to average assets | 1.8957% | 409 |
| Noninterest expense to average assets | 4.4350% | 218 |
| Loan and lease loss provision to assets | -3.2836% | 4,977 |
| Net operating income to assets | 3.2441% | 125 |
| Return on assets (ROA) | 3.2441% | 137 |
| Pretax return on assets | 3.2441% | 183 |
| Return on Equity (ROE) | 60.3666% | 19 |
| Retained earnings to average equity (ytd only) | 60.3666% | 9 |
| Net charge-offs to loans | -5.9525% | 4,937 |
| Credit loss provision to net charge-offs | 117.5549% | 1,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8964% | 182 |
| Assets per employee ($millions) | 3.5261% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 818 |
| Loan loss allowance to noncurrent loans | 124.2947% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 1,347 |
| Noncurrent loans to loans | 1.4777% | 849 |
| Net loans and leases to total assets | 46.2276% | 3,944 |
| Net loans and leases to deposits | 51.3796% | 4,078 |
| Net loans and leases to core deposits | 57.7539% | 3,852 |
| Total domestic deposits to total assets | 89.9726% | 833 |
| Equity capital to assets | 5.7614% | 4,951 |
| Core capital (leverage) ratio | 6.2975% | 4,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7491% | 2,752 |
| Memoranda: | ||
| Average total assets | $91,364,500 | 4,169 |
| Average earning assets | $80,256,000 | 4,211 |
| Average equity | $4,910,000 | 4,757 |
| Average total loans | $42,873,000 | 4,238 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 2,891 |
| Cost of funding earning assets | 0.7396% | 1,510 |
| Net interest margin | 3.2050% | 3,345 |
| Noninterest income to average assets | 2.0077% | 328 |
| Noninterest expense to average assets | 4.9923% | 195 |
| Loan and lease loss provision to assets | 1.5048% | 43 |
| Net operating income to assets | -1.7180% | 4,954 |
| Return on assets (ROA) | -1.7180% | 4,956 |
| Pretax return on assets | -1.7180% | 4,956 |
| Return on Equity (ROE) | -26.3289% | 4,982 |
| Retained earnings to average equity (ytd only) | -26.3289% | 4,971 |
| Net charge-offs to loans | 3.6709% | 21 |
| Credit loss provision to net charge-offs | 67.9502% | 3,056 |
| Earnings coverage of net charge-offs (x) | -0.0963% | 3,340 |
| Efficiency ratio | 104.4608% | 140 |
| Assets per employee ($millions) | 3.7938% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 473 |
| Loan loss allowance to noncurrent loans | 887.2549% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 3,734 |
| Noncurrent loans to loans | 0.2396% | 3,339 |
| Net loans and leases to total assets | 45.7628% | 4,138 |
| Net loans and leases to deposits | 51.7410% | 4,228 |
| Net loans and leases to core deposits | 56.9214% | 4,107 |
| Total domestic deposits to total assets | 88.4459% | 1,255 |
| Equity capital to assets | 4.9841% | 4,991 |
| Core capital (leverage) ratio | 5.2244% | 4,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8612% | 3,098 |
| Memoranda: | ||
| Average total assets | $79,743,200 | 4,245 |
| Average earning assets | $68,954,800 | 4,312 |
| Average equity | $5,203,400 | 4,726 |
| Average total loans | $48,107,600 | 4,144 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,234 |
| Cost of funding earning assets | 0.7329% | 1,842 |
| Net interest margin | 3.5222% | 2,516 |
| Noninterest income to average assets | 2.2517% | 283 |
| Noninterest expense to average assets | 5.2124% | 172 |
| Loan and lease loss provision to assets | 1.9073% | 38 |
| Net operating income to assets | -1.8184% | 4,984 |
| Return on assets (ROA) | -1.8184% | 4,985 |
| Pretax return on assets | -1.8184% | 4,980 |
| Return on Equity (ROE) | -26.0465% | 5,007 |
| Retained earnings to average equity (ytd only) | -26.0465% | 4,994 |
| Net charge-offs to loans | 4.3616% | 18 |
| Credit loss provision to net charge-offs | 67.9432% | 2,822 |
| Earnings coverage of net charge-offs (x) | 0.0315% | 3,142 |
| Efficiency ratio | 98.3322% | 189 |
| Assets per employee ($millions) | 3.5280% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 478 |
| Loan loss allowance to noncurrent loans | 338.7900% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 2,934 |
| Noncurrent loans to loans | 0.5960% | 2,309 |
| Net loans and leases to total assets | 50.3576% | 4,082 |
| Net loans and leases to deposits | 59.0042% | 4,119 |
| Net loans and leases to core deposits | 63.1755% | 4,044 |
| Total domestic deposits to total assets | 85.3458% | 2,301 |
| Equity capital to assets | 5.2972% | 5,019 |
| Core capital (leverage) ratio | 6.0631% | 5,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6312% | 3,000 |
| Memoranda: | ||
| Average total assets | $76,916,500 | 4,290 |
| Average earning assets | $66,585,250 | 4,356 |
| Average equity | $5,369,750 | 4,730 |
| Average total loans | $49,491,500 | 4,144 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 1,097 |
| Cost of funding earning assets | 0.7928% | 1,862 |
| Net interest margin | 4.0383% | 1,243 |
| Noninterest income to average assets | 2.6563% | 200 |
| Noninterest expense to average assets | 5.7683% | 143 |
| Loan and lease loss provision to assets | 3.0564% | 28 |
| Net operating income to assets | -2.7008% | 5,029 |
| Return on assets (ROA) | -2.7008% | 5,028 |
| Pretax return on assets | -2.7008% | 5,026 |
| Return on Equity (ROE) | -35.0903% | 5,048 |
| Retained earnings to average equity (ytd only) | -35.0903% | 5,038 |
| Net charge-offs to loans | 6.6356% | 11 |
| Credit loss provision to net charge-offs | 65.9472% | 2,569 |
| Earnings coverage of net charge-offs (x) | 0.0767% | 2,936 |
| Efficiency ratio | 94.1924% | 290 |
| Assets per employee ($millions) | 2.9236% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 732 |
| Loan loss allowance to noncurrent loans | 684.0909% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 3,741 |
| Noncurrent loans to loans | 0.2557% | 3,467 |
| Net loans and leases to total assets | 59.8233% | 3,345 |
| Net loans and leases to deposits | 71.1650% | 3,337 |
| Net loans and leases to core deposits | 72.9574% | 3,523 |
| Total domestic deposits to total assets | 84.0628% | 2,730 |
| Equity capital to assets | 5.8219% | 5,041 |
| Core capital (leverage) ratio | 6.7180% | 5,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8747% | 3,175 |
| Memoranda: | ||
| Average total assets | $71,979,333 | 4,373 |
| Average earning assets | $61,808,667 | 4,440 |
| Average equity | $5,540,000 | 4,740 |
| Average total loans | $50,274,000 | 4,136 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6438% | 274 |
| Cost of funding earning assets | 0.8516% | 2,106 |
| Net interest margin | 4.7922% | 278 |
| Noninterest income to average assets | 2.4338% | 204 |
| Noninterest expense to average assets | 6.6791% | 132 |
| Loan and lease loss provision to assets | 0.6100% | 450 |
| Net operating income to assets | -0.8052% | 4,971 |
| Return on assets (ROA) | -0.8052% | 4,951 |
| Pretax return on assets | -0.8052% | 4,934 |
| Return on Equity (ROE) | -9.0380% | 4,987 |
| Retained earnings to average equity (ytd only) | -9.0380% | 4,728 |
| Net charge-offs to loans | -0.1210% | 4,855 |
| Credit loss provision to net charge-offs | -666.6667% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0103% | 204 |
| Assets per employee ($millions) | 2.2480% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3597% | 106 |
| Loan loss allowance to noncurrent loans | 290.4762% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 1,533 |
| Noncurrent loans to loans | 1.1566% | 1,435 |
| Net loans and leases to total assets | 72.4776% | 1,854 |
| Net loans and leases to deposits | 80.8453% | 2,595 |
| Net loans and leases to core deposits | 85.4166% | 2,725 |
| Total domestic deposits to total assets | 89.6497% | 431 |
| Equity capital to assets | 9.1763% | 4,483 |
| Core capital (leverage) ratio | 8.8880% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4435% | 2,951 |
| Memoranda: | ||
| Average total assets | $65,577,500 | 4,474 |
| Average earning assets | $55,423,500 | 4,554 |
| Average equity | $5,842,000 | 4,743 |
| Average total loans | $49,599,500 | 4,158 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5609% | 103 |
| Cost of funding earning assets | 0.9463% | 1,977 |
| Net interest margin | 5.6146% | 101 |
| Noninterest income to average assets | 1.9517% | 272 |
| Noninterest expense to average assets | 6.2245% | 134 |
| Loan and lease loss provision to assets | 2.9865% | 24 |
| Net operating income to assets | -2.5807% | 5,142 |
| Return on assets (ROA) | -2.5807% | 5,142 |
| Pretax return on assets | -2.5807% | 5,138 |
| Return on Equity (ROE) | -27.6730% | 5,161 |
| Retained earnings to average equity (ytd only) | -32.4012% | 5,162 |
| Net charge-offs to loans | 2.6231% | 43 |
| Credit loss provision to net charge-offs | 166.3904% | 1,562 |
| Earnings coverage of net charge-offs (x) | 0.2261% | 3,627 |
| Efficiency ratio | 93.8800% | 248 |
| Assets per employee ($millions) | 2.3605% | 5,045 |
| Cash dividends to net income (ytd only)* | -17.0860% | 5,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8247% | 151 |
| Loan loss allowance to noncurrent loans | 237.2581% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 1,406 |
| Noncurrent loans to loans | 1.1906% | 1,267 |
| Net loans and leases to total assets | 73.9245% | 1,770 |
| Net loans and leases to deposits | 85.9723% | 2,091 |
| Net loans and leases to core deposits | 90.5974% | 2,364 |
| Total domestic deposits to total assets | 85.9864% | 2,074 |
| Equity capital to assets | 8.9898% | 4,687 |
| Core capital (leverage) ratio | 8.6488% | 4,760 |
| Tier 1 risk-based capital ratio | 10.8720% | 4,904 |
| Total risk-based capital ratio | 12.1370% | 4,804 |
| Memoranda: | ||
| Average total assets | $73,933,800 | 4,367 |
| Average earning assets | $61,607,400 | 4,483 |
| Average equity | $6,894,800 | 4,651 |
| Average total loans | $50,589,400 | 4,166 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8347% | 326 |
| Cost of funding earning assets | 1.0061% | 1,739 |
| Net interest margin | 4.8286% | 395 |
| Noninterest income to average assets | 1.8910% | 290 |
| Noninterest expense to average assets | 5.8747% | 142 |
| Loan and lease loss provision to assets | 3.9094% | 14 |
| Net operating income to assets | -3.8740% | 5,236 |
| Return on assets (ROA) | -3.8740% | 5,236 |
| Pretax return on assets | -3.8740% | 5,235 |
| Return on Equity (ROE) | -41.2042% | 5,248 |
| Retained earnings to average equity (ytd only) | -45.7428% | 5,242 |
| Net charge-offs to loans | 3.5232% | 30 |
| Credit loss provision to net charge-offs | 166.3904% | 1,514 |
| Earnings coverage of net charge-offs (x) | 0.0151% | 3,380 |
| Efficiency ratio | 99.4008% | 155 |
| Assets per employee ($millions) | 2.3061% | 5,123 |
| Cash dividends to net income (ytd only)* | -11.0148% | 5,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6674% | 181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 64.6551% | 3,223 |
| Net loans and leases to deposits | 70.4974% | 3,737 |
| Net loans and leases to core deposits | 79.4459% | 3,430 |
| Total domestic deposits to total assets | 91.7127% | 47 |
| Equity capital to assets | 7.1779% | 5,208 |
| Core capital (leverage) ratio | 7.1033% | 5,211 |
| Tier 1 risk-based capital ratio | 10.2397% | 5,143 |
| Total risk-based capital ratio | 11.5044% | 5,065 |
| Memoranda: | ||
| Average total assets | $75,303,500 | 4,410 |
| Average earning assets | $62,681,000 | 4,516 |
| Average equity | $7,080,000 | 4,686 |
| Average total loans | $50,217,750 | 4,225 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 683 |
| Cost of funding earning assets | 0.9521% | 1,897 |
| Net interest margin | 4.4475% | 856 |
| Noninterest income to average assets | 1.8891% | 290 |
| Noninterest expense to average assets | 5.7857% | 147 |
| Loan and lease loss provision to assets | 0.0880% | 2,085 |
| Net operating income to assets | -0.2722% | 5,159 |
| Return on assets (ROA) | -0.2722% | 5,167 |
| Pretax return on assets | -0.2722% | 5,163 |
| Return on Equity (ROE) | -2.6564% | 5,179 |
| Retained earnings to average equity (ytd only) | -8.0497% | 5,135 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2892% | 140 |
| Assets per employee ($millions) | 2.4989% | 5,127 |
| Cash dividends to net income (ytd only)* | -203.0303% | 5,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.9273% | 3,550 |
| Net loans and leases to deposits | 69.9117% | 3,850 |
| Net loans and leases to core deposits | 84.8942% | 3,040 |
| Total domestic deposits to total assets | 88.5794% | 842 |
| Equity capital to assets | 10.3079% | 3,687 |
| Core capital (leverage) ratio | 10.9667% | 2,631 |
| Tier 1 risk-based capital ratio | 14.3129% | 3,157 |
| Total risk-based capital ratio | 15.4278% | 3,142 |
| Memoranda: | ||
| Average total assets | $72,731,670 | 4,477 |
| Average earning assets | $60,708,670 | 4,591 |
| Average equity | $7,453,670 | 4,658 |
| Average total loans | $48,574,670 | 4,290 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 625 |
| Cost of funding earning assets | 0.8611% | 2,203 |
| Net interest margin | 4.5448% | 685 |
| Noninterest income to average assets | 1.8589% | 274 |
| Noninterest expense to average assets | 5.5994% | 158 |
| Loan and lease loss provision to assets | 0.0910% | 1,895 |
| Net operating income to assets | -0.0512% | 5,164 |
| Return on assets (ROA) | -0.0512% | 5,166 |
| Pretax return on assets | -0.0512% | 5,159 |
| Return on Equity (ROE) | -0.5008% | 5,170 |
| Retained earnings to average equity (ytd only) | -10.2949% | 5,115 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2944% | 185 |
| Assets per employee ($millions) | 2.6084% | 5,147 |
| Cash dividends to net income (ytd only)* | -1,955.5556% | 5,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.6269% | 2,960 |
| Net loans and leases to deposits | 75.0556% | 3,348 |
| Net loans and leases to core deposits | 85.7749% | 2,887 |
| Total domestic deposits to total assets | 88.7701% | 969 |
| Equity capital to assets | 10.0770% | 3,742 |
| Core capital (leverage) ratio | 10.4423% | 3,118 |
| Tier 1 risk-based capital ratio | 13.0941% | 3,833 |
| Total risk-based capital ratio | 14.2122% | 3,792 |
| Memoranda: | ||
| Average total assets | $70,365,000 | 4,565 |
| Average earning assets | $58,528,500 | 4,684 |
| Average equity | $7,188,000 | 4,729 |
| Average total loans | $48,565,000 | 4,334 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 604 |
| Cost of funding earning assets | 0.6158% | 2,614 |
| Net interest margin | 4.6626% | 527 |
| Noninterest income to average assets | 1.8014% | 309 |
| Noninterest expense to average assets | 4.9791% | 208 |
| Loan and lease loss provision to assets | 0.1512% | 1,401 |
| Net operating income to assets | 0.5763% | 4,484 |
| Return on assets (ROA) | 0.5763% | 4,487 |
| Pretax return on assets | 0.5763% | 4,667 |
| Return on Equity (ROE) | 5.3814% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.4548% | 4,552 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2515% | 464 |
| Assets per employee ($millions) | 2.7039% | 5,138 |
| Cash dividends to net income (ytd only)* | 72.9659% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.7135% | 2,609 |
| Net loans and leases to deposits | 78.6778% | 3,079 |
| Net loans and leases to core deposits | 90.4277% | 2,537 |
| Total domestic deposits to total assets | 88.6063% | 1,025 |
| Equity capital to assets | 10.3539% | 3,324 |
| Core capital (leverage) ratio | 11.0884% | 2,452 |
| Tier 1 risk-based capital ratio | 12.8873% | 3,909 |
| Total risk-based capital ratio | 13.9319% | 3,914 |
| Memoranda: | ||
| Average total assets | $66,116,400 | 4,652 |
| Average earning assets | $55,376,800 | 4,762 |
| Average equity | $7,080,000 | 4,731 |
| Average total loans | $42,226,000 | 4,491 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 720 |
| Cost of funding earning assets | 0.5879% | 2,563 |
| Net interest margin | 4.5383% | 686 |
| Noninterest income to average assets | 1.8585% | 309 |
| Noninterest expense to average assets | 4.8521% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8339% | 3,804 |
| Return on assets (ROA) | 0.8339% | 3,811 |
| Pretax return on assets | 0.8339% | 4,214 |
| Return on Equity (ROE) | 7.7188% | 3,657 |
| Retained earnings to average equity (ytd only) | 2.4466% | 4,424 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3333% | 557 |
| Assets per employee ($millions) | 2.7660% | 5,182 |
| Cash dividends to net income (ytd only)* | 68.3055% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.7460% | 2,027 |
| Net loans and leases to deposits | 84.7790% | 2,505 |
| Net loans and leases to core deposits | 86.3885% | 2,966 |
| Total domestic deposits to total assets | 86.9862% | 1,740 |
| Equity capital to assets | 11.4765% | 2,276 |
| Core capital (leverage) ratio | 10.4845% | 3,101 |
| Tier 1 risk-based capital ratio | 13.4195% | 3,673 |
| Total risk-based capital ratio | 14.3201% | 3,778 |
| Memoranda: | ||
| Average total assets | $65,070,000 | 4,723 |
| Average earning assets | $54,880,000 | 4,823 |
| Average equity | $7,030,250 | 4,790 |
| Average total loans | $40,382,500 | 4,586 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,451 |
| Cost of funding earning assets | 0.5283% | 2,772 |
| Net interest margin | 4.1941% | 1,304 |
| Noninterest income to average assets | 1.7726% | 331 |
| Noninterest expense to average assets | 4.7197% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6132% | 4,456 |
| Return on assets (ROA) | 0.6132% | 4,463 |
| Pretax return on assets | 0.6132% | 4,719 |
| Return on Equity (ROE) | 5.7925% | 4,310 |
| Retained earnings to average equity (ytd only) | -0.7781% | 5,056 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5011% | 434 |
| Assets per employee ($millions) | 3.1969% | 4,932 |
| Cash dividends to net income (ytd only)* | 113.4328% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 56.1011% | 4,156 |
| Net loans and leases to deposits | 63.3847% | 4,324 |
| Net loans and leases to core deposits | 64.1108% | 4,479 |
| Total domestic deposits to total assets | 88.5088% | 1,139 |
| Equity capital to assets | 10.1561% | 3,480 |
| Core capital (leverage) ratio | 10.5599% | 2,973 |
| Tier 1 risk-based capital ratio | 15.0243% | 2,863 |
| Total risk-based capital ratio | 16.0549% | 2,893 |
| Memoranda: | ||
| Average total assets | $65,554,330 | 4,764 |
| Average earning assets | $55,649,000 | 4,863 |
| Average equity | $6,940,000 | 4,854 |
| Average total loans | $38,041,670 | 4,702 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 1,445 |
| Cost of funding earning assets | 0.4394% | 3,291 |
| Net interest margin | 4.2081% | 1,160 |
| Noninterest income to average assets | 1.7161% | 340 |
| Noninterest expense to average assets | 4.7431% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5509% | 4,573 |
| Return on assets (ROA) | 0.5509% | 4,576 |
| Pretax return on assets | 0.5509% | 4,790 |
| Return on Equity (ROE) | 5.0888% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.0888% | 3,130 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5933% | 460 |
| Assets per employee ($millions) | 2.4978% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.7949% | 3,670 |
| Net loans and leases to deposits | 69.9398% | 3,788 |
| Net loans and leases to core deposits | 70.8588% | 4,035 |
| Total domestic deposits to total assets | 86.9247% | 2,156 |
| Equity capital to assets | 11.6196% | 2,047 |
| Core capital (leverage) ratio | 11.9979% | 1,655 |
| Tier 1 risk-based capital ratio | 16.2073% | 2,385 |
| Total risk-based capital ratio | 17.3018% | 2,390 |
| Memoranda: | ||
| Average total assets | $63,165,500 | 4,867 |
| Average earning assets | $53,706,500 | 4,958 |
| Average equity | $6,838,500 | 4,920 |
| Average total loans | $37,089,000 | 4,779 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 2,721 |
| Cost of funding earning assets | 0.3109% | 4,031 |
| Net interest margin | 3.8798% | 2,152 |
| Noninterest income to average assets | 1.8805% | 322 |
| Noninterest expense to average assets | 4.1862% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9891% | 2,295 |
| Return on assets (ROA) | 0.9891% | 2,329 |
| Pretax return on assets | 0.9891% | 3,618 |
| Return on Equity (ROE) | 9.6559% | 2,033 |
| Retained earnings to average equity (ytd only) | 2.5437% | 3,804 |
| Net charge-offs to loans | -0.0657% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8877% | 1,025 |
| Assets per employee ($millions) | 2.7776% | 5,344 |
| Cash dividends to net income (ytd only)* | 73.6568% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.1522% | 4,258 |
| Net loans and leases to deposits | 62.2850% | 4,424 |
| Net loans and leases to core deposits | 63.0688% | 4,595 |
| Total domestic deposits to total assets | 88.5482% | 1,224 |
| Equity capital to assets | 10.0509% | 3,643 |
| Core capital (leverage) ratio | 10.9883% | 2,349 |
| Tier 1 risk-based capital ratio | 14.9277% | 2,877 |
| Total risk-based capital ratio | 16.0669% | 2,863 |
| Memoranda: | ||
| Average total assets | $58,335,200 | 4,998 |
| Average earning assets | $49,538,400 | 5,073 |
| Average equity | $5,975,600 | 5,106 |
| Average total loans | $33,511,000 | 4,911 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 2,716 |
| Cost of funding earning assets | 0.3108% | 4,017 |
| Net interest margin | 3.8584% | 2,191 |
| Noninterest income to average assets | 1.9034% | 330 |
| Noninterest expense to average assets | 4.1300% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0583% | 2,292 |
| Return on assets (ROA) | 1.0583% | 2,329 |
| Pretax return on assets | 1.0583% | 3,464 |
| Return on Equity (ROE) | 10.2767% | 1,997 |
| Retained earnings to average equity (ytd only) | 0.6139% | 5,084 |
| Net charge-offs to loans | -0.0890% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6029% | 1,154 |
| Assets per employee ($millions) | 3.1902% | 5,081 |
| Cash dividends to net income (ytd only)* | 94.0264% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 54.8051% | 4,339 |
| Net loans and leases to deposits | 61.9966% | 4,508 |
| Net loans and leases to core deposits | 63.1780% | 4,642 |
| Total domestic deposits to total assets | 88.4002% | 1,171 |
| Equity capital to assets | 9.9286% | 3,997 |
| Core capital (leverage) ratio | 10.3006% | 3,198 |
| Tier 1 risk-based capital ratio | 14.7525% | 3,035 |
| Total risk-based capital ratio | 15.9537% | 2,994 |
| Memoranda: | ||
| Average total assets | $56,947,750 | 5,082 |
| Average earning assets | $48,481,750 | 5,154 |
| Average equity | $5,864,250 | 5,177 |
| Average total loans | $32,957,750 | 4,972 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 2,711 |
| Cost of funding earning assets | 0.2897% | 4,190 |
| Net interest margin | 3.8499% | 2,097 |
| Noninterest income to average assets | 1.9058% | 339 |
| Noninterest expense to average assets | 4.0627% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1341% | 1,838 |
| Return on assets (ROA) | 1.1341% | 1,889 |
| Pretax return on assets | 1.1341% | 3,035 |
| Return on Equity (ROE) | 10.8722% | 1,690 |
| Retained earnings to average equity (ytd only) | -1.1698% | 5,253 |
| Net charge-offs to loans | -0.1345% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1768% | 1,438 |
| Assets per employee ($millions) | 3.0885% | 5,197 |
| Cash dividends to net income (ytd only)* | 110.7595% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 1,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.7496% | 4,504 |
| Net loans and leases to deposits | 59.7003% | 4,652 |
| Net loans and leases to core deposits | 60.8767% | 4,777 |
| Total domestic deposits to total assets | 88.3574% | 1,275 |
| Equity capital to assets | 9.9828% | 3,931 |
| Core capital (leverage) ratio | 10.3674% | 3,052 |
| Tier 1 risk-based capital ratio | 15.7338% | 2,607 |
| Total risk-based capital ratio | 16.9827% | 2,545 |
| Memoranda: | ||
| Average total assets | $55,726,000 | 5,143 |
| Average earning assets | $47,637,670 | 5,202 |
| Average equity | $5,813,000 | 5,219 |
| Average total loans | $32,707,330 | 5,016 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 2,355 |
| Cost of funding earning assets | 0.2680% | 4,378 |
| Net interest margin | 3.9078% | 1,749 |
| Noninterest income to average assets | 1.8876% | 335 |
| Noninterest expense to average assets | 4.1218% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0986% | 1,879 |
| Return on assets (ROA) | 1.0986% | 1,920 |
| Pretax return on assets | 1.0986% | 2,993 |
| Return on Equity (ROE) | 10.2927% | 1,832 |
| Retained earnings to average equity (ytd only) | -13.8848% | 5,654 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9548% | 1,494 |
| Assets per employee ($millions) | 3.0223% | 5,332 |
| Cash dividends to net income (ytd only)* | 234.8993% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 2,042 |
| Loan loss allowance to noncurrent loans | 132.9545% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 2,697 |
| Noncurrent loans to loans | 1.0593% | 1,937 |
| Net loans and leases to total assets | 60.2221% | 3,764 |
| Net loans and leases to deposits | 68.6331% | 3,929 |
| Net loans and leases to core deposits | 70.1031% | 4,142 |
| Total domestic deposits to total assets | 87.7449% | 1,866 |
| Equity capital to assets | 10.4592% | 3,224 |
| Core capital (leverage) ratio | 10.8124% | 2,585 |
| Tier 1 risk-based capital ratio | 14.7081% | 3,110 |
| Total risk-based capital ratio | 15.9176% | 3,056 |
| Memoranda: | ||
| Average total assets | $54,248,500 | 5,221 |
| Average earning assets | $46,267,000 | 5,290 |
| Average equity | $5,790,500 | 5,269 |
| Average total loans | $33,339,000 | 5,045 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 2,653 |
| Cost of funding earning assets | 0.2332% | 4,712 |
| Net interest margin | 3.9186% | 1,907 |
| Noninterest income to average assets | 1.9472% | 354 |
| Noninterest expense to average assets | 4.1056% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1728% | 1,595 |
| Return on assets (ROA) | 1.2543% | 1,424 |
| Pretax return on assets | 1.2543% | 2,457 |
| Return on Equity (ROE) | 11.9535% | 1,259 |
| Retained earnings to average equity (ytd only) | 0.2119% | 5,237 |
| Net charge-offs to loans | -0.0060% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7817% | 1,724 |
| Assets per employee ($millions) | 3.3809% | 4,934 |
| Cash dividends to net income (ytd only)* | 98.2275% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 2,082 |
| Loan loss allowance to noncurrent loans | 129.6399% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 2,710 |
| Noncurrent loans to loans | 1.0793% | 1,929 |
| Net loans and leases to total assets | 60.9668% | 3,737 |
| Net loans and leases to deposits | 69.8078% | 3,924 |
| Net loans and leases to core deposits | 71.3251% | 4,127 |
| Total domestic deposits to total assets | 87.3352% | 1,967 |
| Equity capital to assets | 10.8901% | 2,724 |
| Core capital (leverage) ratio | 10.9329% | 2,403 |
| Tier 1 risk-based capital ratio | 15.0730% | 2,937 |
| Total risk-based capital ratio | 16.2705% | 2,891 |
| Memoranda: | ||
| Average total assets | $53,975,200 | 5,265 |
| Average earning assets | $45,883,400 | 5,335 |
| Average equity | $5,663,600 | 5,343 |
| Average total loans | $33,101,600 | 5,095 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 2,672 |
| Cost of funding earning assets | 0.2318% | 4,777 |
| Net interest margin | 3.9212% | 1,907 |
| Noninterest income to average assets | 1.9402% | 363 |
| Noninterest expense to average assets | 4.1646% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1196% | 1,918 |
| Return on assets (ROA) | 1.2284% | 1,626 |
| Pretax return on assets | 1.2284% | 2,714 |
| Return on Equity (ROE) | 11.8188% | 1,384 |
| Retained earnings to average equity (ytd only) | -3.9950% | 5,694 |
| Net charge-offs to loans | -0.0081% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8120% | 1,576 |
| Assets per employee ($millions) | 3.2041% | 5,173 |
| Cash dividends to net income (ytd only)* | 133.8022% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 2,391 |
| Loan loss allowance to noncurrent loans | 126.8293% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 2,881 |
| Noncurrent loans to loans | 1.0720% | 2,107 |
| Net loans and leases to total assets | 62.3345% | 3,609 |
| Net loans and leases to deposits | 71.1445% | 3,872 |
| Net loans and leases to core deposits | 72.6734% | 4,106 |
| Total domestic deposits to total assets | 87.6168% | 1,603 |
| Equity capital to assets | 10.4849% | 3,583 |
| Core capital (leverage) ratio | 10.4899% | 3,006 |
| Tier 1 risk-based capital ratio | 14.4312% | 3,317 |
| Total risk-based capital ratio | 15.6138% | 3,292 |
| Memoranda: | ||
| Average total assets | $53,945,250 | 5,315 |
| Average earning assets | $46,005,500 | 5,384 |
| Average equity | $5,606,750 | 5,405 |
| Average total loans | $33,015,000 | 5,150 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 2,922 |
| Cost of funding earning assets | 0.2374% | 4,780 |
| Net interest margin | 3.8473% | 2,149 |
| Noninterest income to average assets | 1.9379% | 348 |
| Noninterest expense to average assets | 4.1733% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0191% | 2,301 |
| Return on assets (ROA) | 1.0452% | 2,326 |
| Pretax return on assets | 1.0452% | 3,413 |
| Return on Equity (ROE) | 10.0861% | 2,008 |
| Retained earnings to average equity (ytd only) | -13.7832% | 5,921 |
| Net charge-offs to loans | -0.0184% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3725% | 1,458 |
| Assets per employee ($millions) | 3.0553% | 5,364 |
| Cash dividends to net income (ytd only)* | 236.6548% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 2,275 |
| Loan loss allowance to noncurrent loans | 123.0971% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 2,904 |
| Noncurrent loans to loans | 1.1413% | 2,017 |
| Net loans and leases to total assets | 59.8498% | 3,901 |
| Net loans and leases to deposits | 67.9248% | 4,190 |
| Net loans and leases to core deposits | 69.3604% | 4,379 |
| Total domestic deposits to total assets | 88.1119% | 1,377 |
| Equity capital to assets | 9.9916% | 4,238 |
| Core capital (leverage) ratio | 10.1067% | 3,438 |
| Tier 1 risk-based capital ratio | 13.8034% | 3,722 |
| Total risk-based capital ratio | 14.9815% | 3,683 |
| Memoranda: | ||
| Average total assets | $53,770,670 | 5,379 |
| Average earning assets | $45,487,000 | 5,462 |
| Average equity | $5,572,000 | 5,464 |
| Average total loans | $32,546,330 | 5,217 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 2,812 |
| Cost of funding earning assets | 0.2407% | 4,795 |
| Net interest margin | 3.8697% | 2,040 |
| Noninterest income to average assets | 1.9414% | 355 |
| Noninterest expense to average assets | 4.2966% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9105% | 2,700 |
| Return on assets (ROA) | 0.9632% | 2,560 |
| Pretax return on assets | 0.9632% | 3,606 |
| Return on Equity (ROE) | 9.1257% | 2,357 |
| Retained earnings to average equity (ytd only) | -38.2854% | 6,053 |
| Net charge-offs to loans | -0.0374% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5145% | 1,326 |
| Assets per employee ($millions) | 3.0308% | 5,480 |
| Cash dividends to net income (ytd only)* | 519.5313% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 2,240 |
| Loan loss allowance to noncurrent loans | 31.9918% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.6872% | 525 |
| Noncurrent loans to loans | 4.5066% | 238 |
| Net loans and leases to total assets | 58.7693% | 3,955 |
| Net loans and leases to deposits | 66.5580% | 4,203 |
| Net loans and leases to core deposits | 67.9734% | 4,402 |
| Total domestic deposits to total assets | 88.2978% | 1,470 |
| Equity capital to assets | 9.7921% | 4,354 |
| Core capital (leverage) ratio | 10.1603% | 3,357 |
| Tier 1 risk-based capital ratio | 13.6760% | 3,884 |
| Total risk-based capital ratio | 14.8767% | 3,844 |
| Memoranda: | ||
| Average total assets | $53,158,000 | 5,444 |
| Average earning assets | $44,861,000 | 5,526 |
| Average equity | $5,610,500 | 5,495 |
| Average total loans | $32,127,500 | 5,265 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 3,364 |
| Cost of funding earning assets | 0.2153% | 5,137 |
| Net interest margin | 3.7688% | 2,488 |
| Noninterest income to average assets | 2.1451% | 318 |
| Noninterest expense to average assets | 4.1196% | 590 |
| Loan and lease loss provision to assets | 0.0401% | 3,536 |
| Net operating income to assets | 1.2521% | 1,383 |
| Return on assets (ROA) | 1.2541% | 1,432 |
| Pretax return on assets | 1.2541% | 2,457 |
| Return on Equity (ROE) | 10.9029% | 1,647 |
| Retained earnings to average equity (ytd only) | 4.7101% | 2,636 |
| Net charge-offs to loans | -0.0689% | 5,661 |
| Credit loss provision to net charge-offs | -95.2381% | 5,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1216% | 2,251 |
| Assets per employee ($millions) | 2.8757% | 5,638 |
| Cash dividends to net income (ytd only)* | 56.8000% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 2,135 |
| Loan loss allowance to noncurrent loans | 116.2095% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 2,742 |
| Noncurrent loans to loans | 1.2640% | 1,861 |
| Net loans and leases to total assets | 60.3899% | 3,781 |
| Net loans and leases to deposits | 69.7263% | 3,955 |
| Net loans and leases to core deposits | 71.3204% | 4,189 |
| Total domestic deposits to total assets | 86.6099% | 2,320 |
| Equity capital to assets | 11.3578% | 2,491 |
| Core capital (leverage) ratio | 11.3866% | 2,052 |
| Tier 1 risk-based capital ratio | 15.5554% | 2,905 |
| Total risk-based capital ratio | 16.7884% | 2,850 |
| Memoranda: | ||
| Average total assets | $49,835,000 | 5,545 |
| Average earning assets | $43,197,000 | 5,602 |
| Average equity | $5,732,400 | 5,499 |
| Average total loans | $30,479,200 | 5,344 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 3,815 |
| Cost of funding earning assets | 0.2043% | 5,339 |
| Net interest margin | 3.6750% | 2,869 |
| Noninterest income to average assets | 2.1564% | 325 |
| Noninterest expense to average assets | 4.0989% | 597 |
| Loan and lease loss provision to assets | 0.0542% | 3,111 |
| Net operating income to assets | 1.2191% | 1,590 |
| Return on assets (ROA) | 1.2218% | 1,644 |
| Pretax return on assets | 1.2218% | 2,725 |
| Return on Equity (ROE) | 10.5573% | 1,877 |
| Retained earnings to average equity (ytd only) | 3.3007% | 4,121 |
| Net charge-offs to loans | -0.0884% | 5,738 |
| Credit loss provision to net charge-offs | -100.0000% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2985% | 2,196 |
| Assets per employee ($millions) | 2.7787% | 5,769 |
| Cash dividends to net income (ytd only)* | 68.7354% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 2,226 |
| Loan loss allowance to noncurrent loans | 4,650.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,717 |
| Noncurrent loans to loans | 0.0319% | 5,491 |
| Net loans and leases to total assets | 61.7450% | 3,648 |
| Net loans and leases to deposits | 71.6942% | 3,804 |
| Net loans and leases to core deposits | 73.3999% | 4,066 |
| Total domestic deposits to total assets | 86.1227% | 2,468 |
| Equity capital to assets | 11.4961% | 2,512 |
| Core capital (leverage) ratio | 11.8834% | 1,755 |
| Tier 1 risk-based capital ratio | 17.0078% | 2,377 |
| Total risk-based capital ratio | 18.2590% | 2,319 |
| Memoranda: | ||
| Average total assets | $49,215,750 | 5,631 |
| Average earning assets | $43,065,000 | 5,677 |
| Average equity | $5,695,750 | 5,574 |
| Average total loans | $30,167,750 | 5,413 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 3,890 |
| Cost of funding earning assets | 0.2000% | 5,431 |
| Net interest margin | 3.6468% | 2,917 |
| Noninterest income to average assets | 2.1124% | 344 |
| Noninterest expense to average assets | 3.9633% | 706 |
| Loan and lease loss provision to assets | 0.0817% | 2,475 |
| Net operating income to assets | 1.2707% | 1,399 |
| Return on assets (ROA) | 1.2748% | 1,454 |
| Pretax return on assets | 1.2748% | 2,455 |
| Return on Equity (ROE) | 10.9904% | 1,684 |
| Retained earnings to average equity (ytd only) | 1.6556% | 4,869 |
| Net charge-offs to loans | 0.0067% | 3,662 |
| Credit loss provision to net charge-offs | 2,000.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 209 |
| Efficiency ratio | 74.5580% | 2,604 |
| Assets per employee ($millions) | 2.9596% | 5,642 |
| Cash dividends to net income (ytd only)* | 84.9359% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 2,475 |
| Loan loss allowance to noncurrent loans | 3,691.6667% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 5,796 |
| Noncurrent loans to loans | 0.0394% | 5,593 |
| Net loans and leases to total assets | 59.5858% | 3,891 |
| Net loans and leases to deposits | 68.8641% | 4,046 |
| Net loans and leases to core deposits | 70.0713% | 4,319 |
| Total domestic deposits to total assets | 86.5266% | 2,415 |
| Equity capital to assets | 11.2414% | 2,628 |
| Core capital (leverage) ratio | 11.5800% | 1,939 |
| Tier 1 risk-based capital ratio | 16.0956% | 2,810 |
| Total risk-based capital ratio | 17.3449% | 2,766 |
| Memoranda: | ||
| Average total assets | $48,948,670 | 5,697 |
| Average earning assets | $42,997,000 | 5,740 |
| Average equity | $5,677,670 | 5,629 |
| Average total loans | $29,774,330 | 5,479 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 3,483 |
| Cost of funding earning assets | 0.2001% | 5,512 |
| Net interest margin | 3.7343% | 2,496 |
| Noninterest income to average assets | 2.1050% | 343 |
| Noninterest expense to average assets | 3.9614% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3923% | 1,043 |
| Return on assets (ROA) | 1.4006% | 1,087 |
| Pretax return on assets | 1.4006% | 1,889 |
| Return on Equity (ROE) | 11.8836% | 1,380 |
| Retained earnings to average equity (ytd only) | 11.1805% | 689 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9938% | 2,821 |
| Assets per employee ($millions) | 2.8749% | 5,808 |
| Cash dividends to net income (ytd only)* | 5.9172% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 2,476 |
| Loan loss allowance to noncurrent loans | 2,656.2500% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 5,813 |
| Noncurrent loans to loans | 0.0562% | 5,550 |
| Net loans and leases to total assets | 57.4007% | 4,036 |
| Net loans and leases to deposits | 65.8885% | 4,162 |
| Net loans and leases to core deposits | 67.4943% | 4,386 |
| Total domestic deposits to total assets | 87.1179% | 2,309 |
| Equity capital to assets | 11.8018% | 2,198 |
| Core capital (leverage) ratio | 12.1914% | 1,513 |
| Tier 1 risk-based capital ratio | 18.2780% | 2,070 |
| Total risk-based capital ratio | 19.5266% | 2,026 |
| Memoranda: | ||
| Average total assets | $48,266,000 | 5,762 |
| Average earning assets | $41,989,000 | 5,814 |
| Average equity | $5,688,500 | 5,678 |
| Average total loans | $29,450,000 | 5,543 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 1,810 |
| Cost of funding earning assets | 0.2026% | 5,716 |
| Net interest margin | 4.3116% | 1,033 |
| Noninterest income to average assets | 2.4904% | 240 |
| Noninterest expense to average assets | 4.5222% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5914% | 718 |
| Return on assets (ROA) | 1.5914% | 754 |
| Pretax return on assets | 1.5914% | 1,263 |
| Return on Equity (ROE) | 12.9093% | 1,166 |
| Retained earnings to average equity (ytd only) | 7.2925% | 1,277 |
| Net charge-offs to loans | -0.0107% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9696% | 2,841 |
| Assets per employee ($millions) | 2.8034% | 5,923 |
| Cash dividends to net income (ytd only)* | 43.5093% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 2,966 |
| Loan loss allowance to noncurrent loans | 2,656.2500% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 5,909 |
| Noncurrent loans to loans | 0.0526% | 5,666 |
| Net loans and leases to total assets | 62.9401% | 3,370 |
| Net loans and leases to deposits | 72.2638% | 3,649 |
| Net loans and leases to core deposits | 74.0697% | 3,913 |
| Total domestic deposits to total assets | 87.0977% | 2,227 |
| Equity capital to assets | 11.7693% | 2,197 |
| Core capital (leverage) ratio | 11.9554% | 1,655 |
| Tier 1 risk-based capital ratio | 17.0923% | 2,476 |
| Total risk-based capital ratio | 18.3417% | 2,430 |
| Memoranda: | ||
| Average total assets | $44,049,200 | 5,928 |
| Average earning assets | $37,016,000 | 6,016 |
| Average equity | $5,430,200 | 5,755 |
| Average total loans | $28,138,600 | 5,646 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 2,036 |
| Cost of funding earning assets | 0.1982% | 5,845 |
| Net interest margin | 4.2568% | 1,137 |
| Noninterest income to average assets | 2.5277% | 238 |
| Noninterest expense to average assets | 4.5456% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5667% | 814 |
| Return on assets (ROA) | 1.5667% | 850 |
| Pretax return on assets | 1.5667% | 1,431 |
| Return on Equity (ROE) | 12.5519% | 1,333 |
| Retained earnings to average equity (ytd only) | 5.2732% | 2,903 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3680% | 2,763 |
| Assets per employee ($millions) | 2.6589% | 6,111 |
| Cash dividends to net income (ytd only)* | 57.9884% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 2,942 |
| Loan loss allowance to noncurrent loans | 2,221.0526% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 6,001 |
| Noncurrent loans to loans | 0.0653% | 5,754 |
| Net loans and leases to total assets | 63.4043% | 3,280 |
| Net loans and leases to deposits | 73.0806% | 3,553 |
| Net loans and leases to core deposits | 74.4300% | 3,905 |
| Total domestic deposits to total assets | 86.7594% | 2,445 |
| Equity capital to assets | 12.0039% | 2,054 |
| Core capital (leverage) ratio | 12.1127% | 1,630 |
| Tier 1 risk-based capital ratio | 17.2374% | 2,505 |
| Total risk-based capital ratio | 18.4891% | 2,467 |
| Memoranda: | ||
| Average total assets | $43,147,000 | 6,021 |
| Average earning assets | $36,333,250 | 6,103 |
| Average equity | $5,385,500 | 5,828 |
| Average total loans | $27,568,000 | 5,727 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,837 |
| Cost of funding earning assets | 0.1990% | 5,923 |
| Net interest margin | 4.2989% | 1,027 |
| Noninterest income to average assets | 2.5576% | 234 |
| Noninterest expense to average assets | 4.5452% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5732% | 751 |
| Return on assets (ROA) | 1.5732% | 783 |
| Pretax return on assets | 1.5732% | 1,324 |
| Return on Equity (ROE) | 12.4348% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.6530% | 463 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2879% | 2,925 |
| Assets per employee ($millions) | 2.5661% | 6,241 |
| Cash dividends to net income (ytd only)* | 6.2874% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,783 |
| Loan loss allowance to noncurrent loans | 2,009.5238% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 6,049 |
| Noncurrent loans to loans | 0.0759% | 5,796 |
| Net loans and leases to total assets | 62.4908% | 3,329 |
| Net loans and leases to deposits | 72.6360% | 3,487 |
| Net loans and leases to core deposits | 74.0366% | 3,835 |
| Total domestic deposits to total assets | 86.0329% | 3,022 |
| Equity capital to assets | 12.6673% | 1,557 |
| Core capital (leverage) ratio | 12.9357% | 1,176 |
| Tier 1 risk-based capital ratio | 18.4699% | 2,079 |
| Total risk-based capital ratio | 19.7233% | 2,032 |
| Memoranda: | ||
| Average total assets | $42,462,000 | 6,094 |
| Average earning assets | $35,171,670 | 6,189 |
| Average equity | $5,372,000 | 5,873 |
| Average total loans | $27,063,330 | 5,789 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 1,831 |
| Cost of funding earning assets | 0.1929% | 6,060 |
| Net interest margin | 4.3011% | 994 |
| Noninterest income to average assets | 2.5883% | 225 |
| Noninterest expense to average assets | 4.5462% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6619% | 604 |
| Return on assets (ROA) | 1.6619% | 632 |
| Pretax return on assets | 1.6619% | 1,045 |
| Return on Equity (ROE) | 13.1445% | 1,126 |
| Retained earnings to average equity (ytd only) | 12.3890% | 562 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2308% | 3,273 |
| Assets per employee ($millions) | 2.8588% | 6,036 |
| Cash dividends to net income (ytd only)* | 5.7471% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 2,667 |
| Loan loss allowance to noncurrent loans | 1,834.7826% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,115 |
| Noncurrent loans to loans | 0.0876% | 5,868 |
| Net loans and leases to total assets | 60.2514% | 3,521 |
| Net loans and leases to deposits | 69.9053% | 3,616 |
| Net loans and leases to core deposits | 71.2725% | 3,952 |
| Total domestic deposits to total assets | 86.1900% | 3,262 |
| Equity capital to assets | 12.5391% | 1,550 |
| Core capital (leverage) ratio | 13.0068% | 1,156 |
| Tier 1 risk-based capital ratio | 18.5484% | 2,108 |
| Total risk-based capital ratio | 19.8006% | 2,071 |
| Memoranda: | ||
| Average total assets | $41,881,000 | 6,172 |
| Average earning assets | $35,246,500 | 6,246 |
| Average equity | $5,295,000 | 5,927 |
| Average total loans | $26,753,500 | 5,862 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,082 |
| Cost of funding earning assets | 0.2174% | 6,195 |
| Net interest margin | 4.3157% | 1,072 |
| Noninterest income to average assets | 2.5600% | 270 |
| Noninterest expense to average assets | 4.8956% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1808% | 1,642 |
| Return on assets (ROA) | 1.1808% | 1,702 |
| Pretax return on assets | 1.1808% | 2,651 |
| Return on Equity (ROE) | 9.7759% | 2,204 |
| Retained earnings to average equity (ytd only) | -0.6452% | 5,999 |
| Net charge-offs to loans | -0.0039% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5674% | 2,071 |
| Assets per employee ($millions) | 2.5550% | 6,359 |
| Cash dividends to net income (ytd only)* | 106.6000% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 2,964 |
| Loan loss allowance to noncurrent loans | 1,688.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 3,700 |
| Noncurrent loans to loans | 0.0917% | 5,940 |
| Net loans and leases to total assets | 65.6213% | 2,748 |
| Net loans and leases to deposits | 76.3599% | 2,929 |
| Net loans and leases to core deposits | 77.9305% | 3,373 |
| Total domestic deposits to total assets | 85.9369% | 3,291 |
| Equity capital to assets | 12.7520% | 1,394 |
| Core capital (leverage) ratio | 11.8910% | 1,683 |
| Tier 1 risk-based capital ratio | 17.6157% | 2,372 |
| Total risk-based capital ratio | 18.8693% | 2,349 |
| Memoranda: | ||
| Average total assets | $42,344,400 | 6,214 |
| Average earning assets | $34,501,600 | 6,336 |
| Average equity | $5,114,600 | 6,040 |
| Average total loans | $25,615,800 | 5,954 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 2,428 |
| Cost of funding earning assets | 0.2236% | 6,275 |
| Net interest margin | 4.2252% | 1,268 |
| Noninterest income to average assets | 2.6160% | 280 |
| Noninterest expense to average assets | 4.8605% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1769% | 1,713 |
| Return on assets (ROA) | 1.1769% | 1,780 |
| Pretax return on assets | 1.1769% | 2,794 |
| Return on Equity (ROE) | 9.8752% | 2,235 |
| Retained earnings to average equity (ytd only) | -3.7721% | 6,425 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5067% | 2,027 |
| Assets per employee ($millions) | 2.5968% | 6,384 |
| Cash dividends to net income (ytd only)* | 138.1976% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 2,911 |
| Loan loss allowance to noncurrent loans | 1,619.2308% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.8132% | 4,074 |
| Noncurrent loans to loans | 0.1001% | 6,036 |
| Net loans and leases to total assets | 57.9056% | 4,026 |
| Net loans and leases to deposits | 66.4371% | 4,250 |
| Net loans and leases to core deposits | 68.5905% | 4,477 |
| Total domestic deposits to total assets | 87.1585% | 2,593 |
| Equity capital to assets | 11.5571% | 2,259 |
| Core capital (leverage) ratio | 11.8795% | 1,750 |
| Tier 1 risk-based capital ratio | 17.6223% | 2,473 |
| Total risk-based capital ratio | 18.8761% | 2,438 |
| Memoranda: | ||
| Average total assets | $42,710,500 | 6,274 |
| Average earning assets | $34,585,250 | 6,401 |
| Average equity | $5,090,000 | 6,114 |
| Average total loans | $25,207,750 | 6,028 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,970 |
| Cost of funding earning assets | 0.2270% | 6,329 |
| Net interest margin | 4.0691% | 1,634 |
| Noninterest income to average assets | 2.7325% | 286 |
| Noninterest expense to average assets | 4.9678% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0750% | 2,015 |
| Return on assets (ROA) | 1.0750% | 2,130 |
| Pretax return on assets | 1.0750% | 3,192 |
| Return on Equity (ROE) | 8.9265% | 2,647 |
| Retained earnings to average equity (ytd only) | -11.1286% | 6,688 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2100% | 1,854 |
| Assets per employee ($millions) | 2.5093% | 6,491 |
| Cash dividends to net income (ytd only)* | 224.6696% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 2,792 |
| Loan loss allowance to noncurrent loans | 1,619.2308% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 4,133 |
| Noncurrent loans to loans | 0.1047% | 6,083 |
| Net loans and leases to total assets | 57.2155% | 4,107 |
| Net loans and leases to deposits | 65.7197% | 4,296 |
| Net loans and leases to core deposits | 67.9274% | 4,505 |
| Total domestic deposits to total assets | 87.0599% | 2,785 |
| Equity capital to assets | 11.6344% | 2,186 |
| Core capital (leverage) ratio | 11.5604% | 1,887 |
| Tier 1 risk-based capital ratio | 19.3323% | 1,900 |
| Total risk-based capital ratio | 20.5866% | 1,871 |
| Memoranda: | ||
| Average total assets | $42,232,000 | 6,338 |
| Average earning assets | $34,356,330 | 6,454 |
| Average equity | $5,086,000 | 6,159 |
| Average total loans | $24,949,000 | 6,071 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 2,560 |
| Cost of funding earning assets | 0.2379% | 6,365 |
| Net interest margin | 4.1508% | 1,321 |
| Noninterest income to average assets | 3.0082% | 249 |
| Noninterest expense to average assets | 5.3785% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9520% | 2,432 |
| Return on assets (ROA) | 0.9520% | 2,574 |
| Pretax return on assets | 0.9520% | 3,557 |
| Return on Equity (ROE) | 7.7708% | 3,088 |
| Retained earnings to average equity (ytd only) | -15.3084% | 6,751 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9624% | 1,643 |
| Assets per employee ($millions) | 2.4615% | 6,620 |
| Cash dividends to net income (ytd only)* | 297.0000% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 2,942 |
| Loan loss allowance to noncurrent loans | 1,503.5714% | 333 |
| Noncurrent assets plus other real estate owned to assets | 3.1449% | 1,398 |
| Noncurrent loans to loans | 0.1141% | 6,133 |
| Net loans and leases to total assets | 57.6270% | 3,826 |
| Net loans and leases to deposits | 66.5269% | 3,989 |
| Net loans and leases to core deposits | 68.8165% | 4,207 |
| Total domestic deposits to total assets | 86.6221% | 3,167 |
| Equity capital to assets | 12.0660% | 1,996 |
| Core capital (leverage) ratio | 11.9758% | 1,579 |
| Tier 1 risk-based capital ratio | 18.3160% | 2,259 |
| Total risk-based capital ratio | 19.5712% | 2,218 |
| Memoranda: | ||
| Average total assets | $42,019,000 | 6,402 |
| Average earning assets | $33,632,000 | 6,538 |
| Average equity | $5,147,500 | 6,201 |
| Average total loans | $25,009,500 | 6,120 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 3,813 |
| Cost of funding earning assets | 0.2447% | 6,691 |
| Net interest margin | 4.1549% | 1,799 |
| Noninterest income to average assets | 2.5575% | 308 |
| Noninterest expense to average assets | 4.5982% | 519 |
| Loan and lease loss provision to assets | 0.0559% | 5,091 |
| Net operating income to assets | 1.3604% | 1,179 |
| Return on assets (ROA) | 1.3604% | 1,301 |
| Pretax return on assets | 1.3604% | 2,176 |
| Return on Equity (ROE) | 12.1785% | 1,459 |
| Retained earnings to average equity (ytd only) | 8.5129% | 959 |
| Net charge-offs to loans | 0.1416% | 4,276 |
| Credit loss provision to net charge-offs | 65.7895% | 4,294 |
| Earnings coverage of net charge-offs (x) | 16.6579% | 1,567 |
| Efficiency ratio | 76.4509% | 2,670 |
| Assets per employee ($millions) | 2.4819% | 6,633 |
| Cash dividends to net income (ytd only)* | 30.0987% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 3,108 |
| Loan loss allowance to noncurrent loans | 1,403.3333% | 359 |
| Noncurrent assets plus other real estate owned to assets | 3.3987% | 1,347 |
| Noncurrent loans to loans | 0.1177% | 6,184 |
| Net loans and leases to total assets | 59.4008% | 3,704 |
| Net loans and leases to deposits | 68.8412% | 3,858 |
| Net loans and leases to core deposits | 71.8529% | 4,059 |
| Total domestic deposits to total assets | 86.2868% | 3,210 |
| Equity capital to assets | 12.4333% | 1,759 |
| Core capital (leverage) ratio | 11.8733% | 1,632 |
| Tier 1 risk-based capital ratio | 18.6651% | 2,056 |
| Total risk-based capital ratio | 19.9175% | 2,018 |
| Memoranda: | ||
| Average total assets | $44,691,800 | 6,354 |
| Average earning assets | $37,184,800 | 6,466 |
| Average equity | $4,992,400 | 6,293 |
| Average total loans | $26,834,800 | 6,089 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 4,380 |
| Cost of funding earning assets | 0.2411% | 6,844 |
| Net interest margin | 4.0770% | 2,187 |
| Noninterest income to average assets | 2.4597% | 318 |
| Noninterest expense to average assets | 4.5133% | 531 |
| Loan and lease loss provision to assets | 0.0735% | 4,743 |
| Net operating income to assets | 1.3063% | 1,430 |
| Return on assets (ROA) | 1.3063% | 1,571 |
| Pretax return on assets | 1.3063% | 2,585 |
| Return on Equity (ROE) | 12.0103% | 1,635 |
| Retained earnings to average equity (ytd only) | 7.3847% | 1,905 |
| Net charge-offs to loans | 0.1914% | 3,589 |
| Credit loss provision to net charge-offs | 64.1026% | 4,045 |
| Earnings coverage of net charge-offs (x) | 12.0254% | 2,033 |
| Efficiency ratio | 76.5851% | 2,586 |
| Assets per employee ($millions) | 2.3923% | 6,792 |
| Cash dividends to net income (ytd only)* | 38.5125% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,923 |
| Loan loss allowance to noncurrent loans | 134.6154% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 3.0999% | 1,678 |
| Noncurrent loans to loans | 1.1200% | 4,186 |
| Net loans and leases to total assets | 60.3635% | 3,707 |
| Net loans and leases to deposits | 69.0170% | 4,028 |
| Net loans and leases to core deposits | 71.1725% | 4,355 |
| Total domestic deposits to total assets | 87.4618% | 2,374 |
| Equity capital to assets | 11.2072% | 3,026 |
| Core capital (leverage) ratio | 11.3840% | 2,066 |
| Tier 1 risk-based capital ratio | 16.7472% | 2,874 |
| Total risk-based capital ratio | 17.9998% | 2,834 |
| Memoranda: | ||
| Average total assets | $45,316,500 | 6,415 |
| Average earning assets | $38,164,750 | 6,503 |
| Average equity | $4,929,000 | 6,380 |
| Average total loans | $27,172,500 | 6,155 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 4,383 |
| Cost of funding earning assets | 0.2468% | 6,923 |
| Net interest margin | 4.1015% | 2,090 |
| Noninterest income to average assets | 2.4166% | 311 |
| Noninterest expense to average assets | 4.5106% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3563% | 1,298 |
| Return on assets (ROA) | 1.3563% | 1,451 |
| Pretax return on assets | 1.3563% | 2,367 |
| Return on Equity (ROE) | 12.5975% | 1,473 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,696 |
| Net charge-offs to loans | 0.1410% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 16.1579% | 1,606 |
| Efficiency ratio | 76.8825% | 2,620 |
| Assets per employee ($millions) | 2.4728% | 6,788 |
| Cash dividends to net income (ytd only)* | 52.1173% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 3,617 |
| Loan loss allowance to noncurrent loans | 477.0115% | 754 |
| Noncurrent assets plus other real estate owned to assets | 2.6780% | 2,062 |
| Noncurrent loans to loans | 0.3346% | 5,876 |
| Net loans and leases to total assets | 57.4757% | 4,249 |
| Net loans and leases to deposits | 65.6732% | 4,543 |
| Net loans and leases to core deposits | 67.7659% | 4,818 |
| Total domestic deposits to total assets | 87.5177% | 2,454 |
| Equity capital to assets | 11.1613% | 2,937 |
| Core capital (leverage) ratio | 11.0128% | 2,281 |
| Tier 1 risk-based capital ratio | 18.0131% | 2,284 |
| Total risk-based capital ratio | 19.2676% | 2,256 |
| Memoranda: | ||
| Average total assets | $45,271,000 | 6,458 |
| Average earning assets | $38,084,000 | 6,552 |
| Average equity | $4,874,000 | 6,423 |
| Average total loans | $26,944,330 | 6,210 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 4,432 |
| Cost of funding earning assets | 0.2494% | 7,009 |
| Net interest margin | 4.1254% | 2,006 |
| Noninterest income to average assets | 2.3570% | 326 |
| Noninterest expense to average assets | 4.4336% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4019% | 1,220 |
| Return on assets (ROA) | 1.4019% | 1,368 |
| Pretax return on assets | 1.4019% | 2,181 |
| Return on Equity (ROE) | 13.2588% | 1,332 |
| Retained earnings to average equity (ytd only) | 1.0773% | 5,648 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9760% | 2,794 |
| Assets per employee ($millions) | 2.7588% | 6,563 |
| Cash dividends to net income (ytd only)* | 91.8750% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 3,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3561% | 2,525 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.6580% | 3,929 |
| Net loans and leases to deposits | 66.2668% | 4,332 |
| Net loans and leases to core deposits | 68.2444% | 4,655 |
| Total domestic deposits to total assets | 88.5179% | 2,002 |
| Equity capital to assets | 10.3051% | 3,724 |
| Core capital (leverage) ratio | 11.1352% | 2,158 |
| Tier 1 risk-based capital ratio | 15.7776% | 3,300 |
| Total risk-based capital ratio | 17.0312% | 3,265 |
| Memoranda: | ||
| Average total assets | $45,651,000 | 6,492 |
| Average earning assets | $38,493,000 | 6,584 |
| Average equity | $4,827,000 | 6,476 |
| Average total loans | $27,417,500 | 6,225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 2,661 |
| Cost of funding earning assets | 0.3346% | 7,045 |
| Net interest margin | 4.7137% | 730 |
| Noninterest income to average assets | 2.6099% | 252 |
| Noninterest expense to average assets | 5.2246% | 321 |
| Loan and lease loss provision to assets | 0.0118% | 6,389 |
| Net operating income to assets | 1.2590% | 1,353 |
| Return on assets (ROA) | 1.2590% | 1,454 |
| Pretax return on assets | 1.2590% | 2,275 |
| Return on Equity (ROE) | 11.8042% | 1,463 |
| Retained earnings to average equity (ytd only) | 11.0748% | 393 |
| Net charge-offs to loans | 0.0428% | 5,878 |
| Credit loss provision to net charge-offs | 41.6667% | 5,600 |
| Earnings coverage of net charge-offs (x) | 44.9167% | 611 |
| Efficiency ratio | 80.4356% | 2,250 |
| Assets per employee ($millions) | 2.3370% | 6,979 |
| Cash dividends to net income (ytd only)* | 6.1798% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,532 |
| Loan loss allowance to noncurrent loans | 1,607.4074% | 283 |
| Noncurrent assets plus other real estate owned to assets | 2.5561% | 2,374 |
| Noncurrent loans to loans | 0.1004% | 6,561 |
| Net loans and leases to total assets | 59.5838% | 4,062 |
| Net loans and leases to deposits | 67.7846% | 4,471 |
| Net loans and leases to core deposits | 69.9384% | 4,784 |
| Total domestic deposits to total assets | 87.9017% | 2,222 |
| Equity capital to assets | 10.8574% | 3,132 |
| Core capital (leverage) ratio | 10.9688% | 2,293 |
| Tier 1 risk-based capital ratio | 16.4792% | 2,831 |
| Total risk-based capital ratio | 17.7337% | 2,793 |
| Memoranda: | ||
| Average total assets | $42,414,800 | 6,588 |
| Average earning assets | $34,962,000 | 6,715 |
| Average equity | $4,523,800 | 6,585 |
| Average total loans | $28,018,400 | 6,248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 2,268 |
| Cost of funding earning assets | 0.3526% | 7,119 |
| Net interest margin | 4.8317% | 587 |
| Noninterest income to average assets | 2.5923% | 257 |
| Noninterest expense to average assets | 5.3946% | 273 |
| Loan and lease loss provision to assets | 0.0159% | 6,233 |
| Net operating income to assets | 1.1482% | 1,818 |
| Return on assets (ROA) | 1.1482% | 1,935 |
| Pretax return on assets | 1.1482% | 2,830 |
| Return on Equity (ROE) | 10.8174% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.1582% | 801 |
| Net charge-offs to loans | 0.0377% | 5,621 |
| Credit loss provision to net charge-offs | 62.5000% | 4,726 |
| Earnings coverage of net charge-offs (x) | 45.7348% | 693 |
| Efficiency ratio | 82.2502% | 1,941 |
| Assets per employee ($millions) | 2.2267% | 7,127 |
| Cash dividends to net income (ytd only)* | 6.0937% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 3,734 |
| Loan loss allowance to noncurrent loans | 492.1348% | 662 |
| Noncurrent assets plus other real estate owned to assets | 2.6190% | 2,465 |
| Noncurrent loans to loans | 0.3221% | 6,206 |
| Net loans and leases to total assets | 64.2754% | 3,256 |
| Net loans and leases to deposits | 73.3657% | 3,746 |
| Net loans and leases to core deposits | 73.3657% | 4,544 |
| Total domestic deposits to total assets | 87.6096% | 2,286 |
| Equity capital to assets | 10.9391% | 3,201 |
| Core capital (leverage) ratio | 10.9971% | 2,392 |
| Tier 1 risk-based capital ratio | 12.3184% | 5,649 |
| Total risk-based capital ratio | 13.4840% | 5,703 |
| Memoranda: | ||
| Average total assets | $41,917,750 | 6,663 |
| Average earning assets | $34,410,750 | 6,795 |
| Average equity | $4,449,500 | 6,663 |
| Average total loans | $28,300,250 | 6,292 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 2,150 |
| Cost of funding earning assets | 0.3681% | 7,194 |
| Net interest margin | 4.8614% | 533 |
| Noninterest income to average assets | 2.5653% | 262 |
| Noninterest expense to average assets | 5.5423% | 259 |
| Loan and lease loss provision to assets | 0.0239% | 5,995 |
| Net operating income to assets | 0.9811% | 2,307 |
| Return on assets (ROA) | 0.9811% | 2,408 |
| Pretax return on assets | 0.9811% | 3,308 |
| Return on Equity (ROE) | 9.3394% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.8383% | 1,158 |
| Net charge-offs to loans | 0.0701% | 4,936 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,169 |
| Efficiency ratio | 84.6491% | 1,745 |
| Assets per employee ($millions) | 1.9798% | 7,303 |
| Cash dividends to net income (ytd only)* | 5.3659% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,978 |
| Loan loss allowance to noncurrent loans | 489.8876% | 679 |
| Noncurrent assets plus other real estate owned to assets | 2.9128% | 2,304 |
| Noncurrent loans to loans | 0.3127% | 6,293 |
| Net loans and leases to total assets | 67.4131% | 2,730 |
| Net loans and leases to deposits | 76.7821% | 3,325 |
| Net loans and leases to core deposits | 78.8338% | 3,958 |
| Total domestic deposits to total assets | 87.7980% | 2,281 |
| Equity capital to assets | 10.7829% | 3,190 |
| Core capital (leverage) ratio | 10.6697% | 2,550 |
| Tier 1 risk-based capital ratio | 15.7116% | 3,119 |
| Total risk-based capital ratio | 16.9663% | 3,096 |
| Memoranda: | ||
| Average total assets | $41,788,000 | 6,725 |
| Average earning assets | $34,228,670 | 6,863 |
| Average equity | $4,390,000 | 6,716 |
| Average total loans | $28,523,330 | 6,341 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 2,327 |
| Cost of funding earning assets | 0.3811% | 7,264 |
| Net interest margin | 4.7932% | 578 |
| Noninterest income to average assets | 2.5397% | 260 |
| Noninterest expense to average assets | 5.3563% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1457% | 1,680 |
| Return on assets (ROA) | 1.1457% | 1,729 |
| Pretax return on assets | 1.1457% | 2,582 |
| Return on Equity (ROE) | 11.0510% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.0380% | 1,110 |
| Net charge-offs to loans | 0.0981% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,233 |
| Efficiency ratio | 82.3789% | 2,170 |
| Assets per employee ($millions) | 2.0268% | 7,348 |
| Cash dividends to net income (ytd only)* | 9.1667% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 4,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8311% | 2,437 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 65.4559% | 3,140 |
| Net loans and leases to deposits | 74.1470% | 3,737 |
| Net loans and leases to core deposits | 77.3459% | 4,107 |
| Total domestic deposits to total assets | 88.2786% | 2,203 |
| Equity capital to assets | 10.3329% | 3,365 |
| Core capital (leverage) ratio | 10.3746% | 2,730 |
| Tier 1 risk-based capital ratio | 14.5086% | 3,734 |
| Total risk-based capital ratio | 15.7622% | 3,694 |
| Memoranda: | ||
| Average total assets | $41,894,500 | 6,765 |
| Average earning assets | $34,632,500 | 6,894 |
| Average equity | $4,343,500 | 6,768 |
| Average total loans | $28,553,500 | 6,391 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 4,512 |
| Cost of funding earning assets | 0.4415% | 7,385 |
| Net interest margin | 4.5683% | 1,083 |
| Noninterest income to average assets | 2.7025% | 263 |
| Noninterest expense to average assets | 7.0844% | 153 |
| Loan and lease loss provision to assets | 0.5875% | 2,784 |
| Net operating income to assets | -1.2510% | 6,807 |
| Return on assets (ROA) | -1.2510% | 6,830 |
| Pretax return on assets | -1.2510% | 6,758 |
| Return on Equity (ROE) | -11.7588% | 6,804 |
| Retained earnings to average equity (ytd only) | -11.7588% | 6,751 |
| Net charge-offs to loans | 0.0507% | 6,289 |
| Credit loss provision to net charge-offs | 1,821.4286% | 128 |
| Earnings coverage of net charge-offs (x) | -20.5714% | 6,821 |
| Efficiency ratio | 110.3337% | 527 |
| Assets per employee ($millions) | 1.8739% | 7,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1922% | 2,220 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.8206% | 2,782 |
| Net loans and leases to deposits | 78.0201% | 3,508 |
| Net loans and leases to core deposits | 81.5006% | 3,978 |
| Total domestic deposits to total assets | 88.2089% | 2,118 |
| Equity capital to assets | 10.4036% | 3,268 |
| Core capital (leverage) ratio | 9.6162% | 3,531 |
| Tier 1 risk-based capital ratio | 13.9817% | 3,884 |
| Total risk-based capital ratio | 15.2332% | 3,848 |
| Memoranda: | ||
| Average total assets | $43,405,000 | 6,756 |
| Average earning assets | $35,330,200 | 6,906 |
| Average equity | $4,617,800 | 6,780 |
| Average total loans | $27,594,600 | 6,521 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 5,152 |
| Cost of funding earning assets | 0.4504% | 7,518 |
| Net interest margin | 4.4741% | 1,318 |
| Noninterest income to average assets | 2.6514% | 256 |
| Noninterest expense to average assets | 6.6347% | 171 |
| Loan and lease loss provision to assets | 0.5612% | 2,701 |
| Net operating income to assets | -0.9283% | 6,862 |
| Return on assets (ROA) | -0.9283% | 6,903 |
| Pretax return on assets | -0.9283% | 6,818 |
| Return on Equity (ROE) | -8.6806% | 6,868 |
| Retained earnings to average equity (ytd only) | -8.6806% | 6,811 |
| Net charge-offs to loans | 0.0440% | 6,097 |
| Credit loss provision to net charge-offs | 2,055.5556% | 153 |
| Earnings coverage of net charge-offs (x) | -13.4442% | 6,637 |
| Efficiency ratio | 105.8567% | 603 |
| Assets per employee ($millions) | 2.1495% | 7,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 4,683 |
| Loan loss allowance to noncurrent loans | 1,105.8824% | 337 |
| Noncurrent assets plus other real estate owned to assets | 4.0962% | 1,688 |
| Noncurrent loans to loans | 0.1228% | 6,938 |
| Net loans and leases to total assets | 60.5153% | 4,814 |
| Net loans and leases to deposits | 68.2985% | 5,379 |
| Net loans and leases to core deposits | 71.6448% | 5,555 |
| Total domestic deposits to total assets | 88.6041% | 1,620 |
| Equity capital to assets | 10.0268% | 4,130 |
| Core capital (leverage) ratio | 10.0716% | 3,178 |
| Tier 1 risk-based capital ratio | 14.6259% | 3,442 |
| Total risk-based capital ratio | 15.8407% | 3,432 |
| Memoranda: | ||
| Average total assets | $43,949,750 | 6,822 |
| Average earning assets | $35,521,750 | 6,973 |
| Average equity | $4,700,000 | 6,841 |
| Average total loans | $27,290,000 | 6,624 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 5,536 |
| Cost of funding earning assets | 0.4762% | 7,576 |
| Net interest margin | 4.3935% | 1,464 |
| Noninterest income to average assets | 2.6588% | 251 |
| Noninterest expense to average assets | 5.9559% | 228 |
| Loan and lease loss provision to assets | 0.5740% | 2,479 |
| Net operating income to assets | -0.3123% | 6,486 |
| Return on assets (ROA) | -0.3123% | 6,530 |
| Pretax return on assets | -0.3123% | 6,443 |
| Return on Equity (ROE) | -2.8583% | 6,503 |
| Retained earnings to average equity (ytd only) | -2.8583% | 6,273 |
| Net charge-offs to loans | 0.0368% | 5,843 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,766 |
| Efficiency ratio | 95.7903% | 979 |
| Assets per employee ($millions) | 2.0467% | 7,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.7859% | 1,353 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.8706% | 4,708 |
| Net loans and leases to deposits | 70.7102% | 5,174 |
| Net loans and leases to core deposits | 73.7499% | 5,474 |
| Total domestic deposits to total assets | 87.4988% | 2,253 |
| Equity capital to assets | 11.0842% | 2,781 |
| Core capital (leverage) ratio | 10.9902% | 2,251 |
| Tier 1 risk-based capital ratio | 15.3014% | 3,009 |
| Total risk-based capital ratio | 16.3290% | 3,080 |
| Memoranda: | ||
| Average total assets | $43,553,330 | 6,876 |
| Average earning assets | $35,279,330 | 7,029 |
| Average equity | $4,758,000 | 6,858 |
| Average total loans | $27,156,000 | 6,678 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 6,652 |
| Cost of funding earning assets | 0.5141% | 7,657 |
| Net interest margin | 4.0460% | 2,668 |
| Noninterest income to average assets | 2.7099% | 232 |
| Noninterest expense to average assets | 6.7336% | 162 |
| Loan and lease loss provision to assets | 0.6843% | 1,860 |
| Net operating income to assets | -1.4051% | 7,294 |
| Return on assets (ROA) | -1.4051% | 7,308 |
| Pretax return on assets | -1.4051% | 7,226 |
| Return on Equity (ROE) | -12.9548% | 7,251 |
| Retained earnings to average equity (ytd only) | -12.9548% | 7,113 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9879% | 559 |
| Assets per employee ($millions) | 2.0431% | 7,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 6,310 |
| Loan loss allowance to noncurrent loans | 33.3738% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 5.4165% | 1,148 |
| Noncurrent loans to loans | 3.0963% | 2,588 |
| Net loans and leases to total assets | 61.3830% | 4,878 |
| Net loans and leases to deposits | 70.1067% | 5,333 |
| Net loans and leases to core deposits | 73.6370% | 5,528 |
| Total domestic deposits to total assets | 87.5565% | 2,329 |
| Equity capital to assets | 10.9029% | 2,845 |
| Core capital (leverage) ratio | 10.8801% | 2,310 |
| Tier 1 risk-based capital ratio | 16.0629% | 2,629 |
| Total risk-based capital ratio | 17.0072% | 2,693 |
| Memoranda: | ||
| Average total assets | $43,840,000 | 6,957 |
| Average earning assets | $35,788,500 | 7,098 |
| Average equity | $4,755,000 | 6,927 |
| Average total loans | $27,278,000 | 6,759 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 1,463 |
| Cost of funding earning assets | 0.7472% | 7,625 |
| Net interest margin | 5.3737% | 220 |
| Noninterest income to average assets | 3.0867% | 222 |
| Noninterest expense to average assets | 8.2584% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.8799% | 6,497 |
| Return on assets (ROA) | -0.8799% | 6,496 |
| Pretax return on assets | -0.8799% | 6,330 |
| Return on Equity (ROE) | -7.3412% | 6,416 |
| Retained earnings to average equity (ytd only) | -7.8488% | 6,332 |
| Net charge-offs to loans | 0.0723% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -17.9048% | 7,187 |
| Efficiency ratio | 111.9252% | 768 |
| Assets per employee ($millions) | 1.7910% | 7,827 |
| Cash dividends to net income (ytd only)* | -6.9149% | 7,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 7,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1564% | 1,574 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.9645% | 4,995 |
| Net loans and leases to deposits | 70.4842% | 5,540 |
| Net loans and leases to core deposits | 80.3848% | 6,054 |
| Total domestic deposits to total assets | 87.9126% | 2,007 |
| Equity capital to assets | 10.7920% | 2,877 |
| Core capital (leverage) ratio | 10.6538% | 2,470 |
| Tier 1 risk-based capital ratio | 15.8371% | 2,590 |
| Total risk-based capital ratio | 16.4924% | 2,786 |
| Memoranda: | ||
| Average total assets | $42,732,000 | 7,003 |
| Average earning assets | $34,129,000 | 7,178 |
| Average equity | $5,121,800 | 6,900 |
| Average total loans | $29,054,400 | 6,684 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3743% | 973 |
| Cost of funding earning assets | 0.8087% | 7,681 |
| Net interest margin | 5.5656% | 172 |
| Noninterest income to average assets | 3.1231% | 213 |
| Noninterest expense to average assets | 8.4284% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.8937% | 6,760 |
| Return on assets (ROA) | -0.8937% | 6,766 |
| Pretax return on assets | -0.8937% | 6,606 |
| Return on Equity (ROE) | -7.2642% | 6,686 |
| Retained earnings to average equity (ytd only) | -7.9317% | 6,594 |
| Net charge-offs to loans | 0.0454% | 6,271 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -28.3061% | 6,947 |
| Efficiency ratio | 111.8609% | 734 |
| Assets per employee ($millions) | 1.6767% | 7,942 |
| Cash dividends to net income (ytd only)* | -9.1885% | 7,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 7,354 |
| Loan loss allowance to noncurrent loans | 2,110.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 5.0122% | 1,169 |
| Noncurrent loans to loans | 0.0335% | 7,428 |
| Net loans and leases to total assets | 68.0598% | 3,945 |
| Net loans and leases to deposits | 78.0646% | 4,729 |
| Net loans and leases to core deposits | 88.5064% | 5,596 |
| Total domestic deposits to total assets | 87.1840% | 2,084 |
| Equity capital to assets | 11.2974% | 2,750 |
| Core capital (leverage) ratio | 10.9593% | 2,435 |
| Tier 1 risk-based capital ratio | 15.5847% | 2,775 |
| Total risk-based capital ratio | 16.2522% | 2,980 |
| Memoranda: | ||
| Average total assets | $42,221,500 | 7,071 |
| Average earning assets | $33,466,750 | 7,272 |
| Average equity | $5,194,250 | 6,936 |
| Average total loans | $29,332,000 | 6,717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5408% | 751 |
| Cost of funding earning assets | 0.8905% | 7,709 |
| Net interest margin | 5.6503% | 151 |
| Noninterest income to average assets | 2.9643% | 218 |
| Noninterest expense to average assets | 6.5272% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8428% | 2,685 |
| Return on assets (ROA) | 0.8428% | 2,784 |
| Pretax return on assets | 0.8428% | 3,527 |
| Return on Equity (ROE) | 6.6616% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.6775% | 2,168 |
| Net charge-offs to loans | 0.0274% | 6,091 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 758 |
| Efficiency ratio | 88.5640% | 1,945 |
| Assets per employee ($millions) | 1.6884% | 8,026 |
| Cash dividends to net income (ytd only)* | 14.7727% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 7,389 |
| Loan loss allowance to noncurrent loans | 1,085.0000% | 329 |
| Noncurrent assets plus other real estate owned to assets | 6.4695% | 711 |
| Noncurrent loans to loans | 0.0657% | 7,360 |
| Net loans and leases to total assets | 68.8141% | 3,991 |
| Net loans and leases to deposits | 79.7508% | 4,581 |
| Net loans and leases to core deposits | 91.4313% | 5,405 |
| Total domestic deposits to total assets | 86.2864% | 2,633 |
| Equity capital to assets | 12.2648% | 2,047 |
| Core capital (leverage) ratio | 12.7182% | 1,533 |
| Tier 1 risk-based capital ratio | 17.4509% | 2,166 |
| Total risk-based capital ratio | 18.1541% | 2,284 |
| Memoranda: | ||
| Average total assets | $41,764,000 | 7,144 |
| Average earning assets | $32,564,670 | 7,373 |
| Average equity | $5,284,000 | 6,970 |
| Average total loans | $29,149,000 | 6,779 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4627% | 931 |
| Cost of funding earning assets | 0.9854% | 7,691 |
| Net interest margin | 5.4773% | 183 |
| Noninterest income to average assets | 2.6144% | 234 |
| Noninterest expense to average assets | 6.5656% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2555% | 5,467 |
| Return on assets (ROA) | 0.2555% | 5,629 |
| Pretax return on assets | 0.2555% | 5,805 |
| Return on Equity (ROE) | 1.9870% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | -0.0140% | 7,356 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2536% | 1,303 |
| Assets per employee ($millions) | 1.6162% | 8,084 |
| Cash dividends to net income (ytd only)* | 100.0000% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 7,269 |
| Loan loss allowance to noncurrent loans | 965.2174% | 412 |
| Noncurrent assets plus other real estate owned to assets | 7.0363% | 479 |
| Noncurrent loans to loans | 0.0792% | 7,296 |
| Net loans and leases to total assets | 71.3154% | 3,404 |
| Net loans and leases to deposits | 83.4806% | 4,064 |
| Net loans and leases to core deposits | 95.0488% | 5,056 |
| Total domestic deposits to total assets | 85.4275% | 3,002 |
| Equity capital to assets | 12.9538% | 1,767 |
| Core capital (leverage) ratio | 12.7422% | 1,590 |
| Tier 1 risk-based capital ratio | 16.8735% | 2,373 |
| Total risk-based capital ratio | 17.5892% | 2,515 |
| Memoranda: | ||
| Average total assets | $40,697,000 | 7,220 |
| Average earning assets | $31,256,500 | 7,463 |
| Average equity | $5,234,000 | 7,043 |
| Average total loans | $28,511,000 | 6,847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9801% | 1,187 |
| Cost of funding earning assets | 1.3879% | 7,751 |
| Net interest margin | 5.5922% | 182 |
| Noninterest income to average assets | 2.8085% | 221 |
| Noninterest expense to average assets | 6.1277% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1733% | 1,865 |
| Return on assets (ROA) | 1.1733% | 1,795 |
| Pretax return on assets | 1.1733% | 2,753 |
| Return on Equity (ROE) | 9.5989% | 2,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0405% | 6,215 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 41.9167% | 879 |
| Efficiency ratio | 83.9297% | 2,060 |
| Assets per employee ($millions) | 1.6396% | 8,117 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 7,145 |
| Loan loss allowance to noncurrent loans | 2,009.0909% | 299 |
| Noncurrent assets plus other real estate owned to assets | 6.8457% | 391 |
| Noncurrent loans to loans | 0.0393% | 7,345 |
| Net loans and leases to total assets | 67.7352% | 4,504 |
| Net loans and leases to deposits | 79.0164% | 5,191 |
| Net loans and leases to core deposits | 90.2894% | 5,782 |
| Total domestic deposits to total assets | 85.7230% | 2,529 |
| Equity capital to assets | 12.7693% | 1,882 |
| Core capital (leverage) ratio | 12.1301% | 1,911 |
| Tier 1 risk-based capital ratio | 17.4723% | 2,183 |
| Total risk-based capital ratio | 18.2100% | 2,269 |
| Memoranda: | ||
| Average total assets | $42,870,600 | 7,084 |
| Average earning assets | $34,441,000 | 7,308 |
| Average equity | $5,240,200 | 7,069 |
| Average total loans | $29,654,600 | 6,726 |