Home > The Bank of Houston > Performance and Condition Ratios
The Bank of Houston, 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 | 7.9980% | 119 |
| Cost of funding earning assets | 1.6182% | 1,641 |
| Net interest margin | 6.3797% | 84 |
| Noninterest income to average assets | 2.2300% | 240 |
| Noninterest expense to average assets | 6.4710% | 161 |
| Loan and lease loss provision to assets | 0.6600% | 120 |
| Net operating income to assets | 0.7928% | 2,893 |
| Return on assets (ROA) | 0.7928% | 2,871 |
| Pretax return on assets | 1.0444% | 2,551 |
| Return on Equity (ROE) | 5.7200% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.7200% | 2,349 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.0558% | 1,066 |
| Assets per employee ($millions) | 3.0160% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5042% | 80 |
| Loan loss allowance to noncurrent loans | 1,295.5556% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,104 |
| Noncurrent loans to loans | 0.2705% | 2,217 |
| Net loans and leases to total assets | 79.8500% | 655 |
| Net loans and leases to deposits | 115.6125% | 119 |
| Net loans and leases to core deposits | 137.4436% | 296 |
| Total domestic deposits to total assets | 69.0600% | 4,320 |
| Equity capital to assets | 13.1830% | 825 |
| Core capital (leverage) ratio | 13.2746% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $55,246,200 | 4,258 |
| Average earning assets | $51,475,400 | 4,235 |
| Average equity | $7,657,400 | 3,975 |
| Average total loans | $46,122,000 | 3,898 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8980% | 117 |
| Cost of funding earning assets | 1.3997% | 1,869 |
| Net interest margin | 6.4983% | 74 |
| Noninterest income to average assets | 2.3300% | 247 |
| Noninterest expense to average assets | 6.6643% | 156 |
| Loan and lease loss provision to assets | 0.6500% | 114 |
| Net operating income to assets | 0.8176% | 2,972 |
| Return on assets (ROA) | 0.8176% | 2,960 |
| Pretax return on assets | 1.0819% | 2,624 |
| Return on Equity (ROE) | 5.8200% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.8193% | 2,685 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.2813% | 992 |
| Assets per employee ($millions) | 2.7717% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4687% | 83 |
| Loan loss allowance to noncurrent loans | 391.2114% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 735 |
| Noncurrent loans to loans | 0.8867% | 933 |
| Net loans and leases to total assets | 82.6800% | 384 |
| Net loans and leases to deposits | 110.7340% | 188 |
| Net loans and leases to core deposits | 131.7666% | 322 |
| Total domestic deposits to total assets | 74.6700% | 4,112 |
| Equity capital to assets | 13.8687% | 668 |
| Core capital (leverage) ratio | 13.6795% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,977,750 | 4,290 |
| Average earning assets | $50,391,500 | 4,263 |
| Average equity | $7,583,750 | 3,987 |
| Average total loans | $45,174,500 | 3,920 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6650% | 120 |
| Cost of funding earning assets | 1.1808% | 2,049 |
| Net interest margin | 6.4842% | 76 |
| Noninterest income to average assets | 2.2700% | 220 |
| Noninterest expense to average assets | 6.6589% | 155 |
| Loan and lease loss provision to assets | 0.6400% | 111 |
| Net operating income to assets | 0.7777% | 3,148 |
| Return on assets (ROA) | 0.7777% | 3,160 |
| Pretax return on assets | 1.0357% | 2,813 |
| Return on Equity (ROE) | 5.5100% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.5107% | 2,779 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.8151% | 937 |
| Assets per employee ($millions) | 2.5418% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3570% | 102 |
| Loan loss allowance to noncurrent loans | 1,592.8571% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 2,325 |
| Noncurrent loans to loans | 0.2108% | 2,417 |
| Net loans and leases to total assets | 80.3600% | 600 |
| Net loans and leases to deposits | 106.6067% | 291 |
| Net loans and leases to core deposits | 123.6286% | 438 |
| Total domestic deposits to total assets | 75.3800% | 4,093 |
| Equity capital to assets | 13.7145% | 678 |
| Core capital (leverage) ratio | 13.9558% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,492,333 | 4,319 |
| Average earning assets | $49,967,667 | 4,296 |
| Average equity | $7,549,000 | 4,011 |
| Average total loans | $44,405,333 | 3,945 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4375% | 83 |
| Cost of funding earning assets | 0.9911% | 2,078 |
| Net interest margin | 6.4464% | 78 |
| Noninterest income to average assets | 1.9800% | 233 |
| Noninterest expense to average assets | 6.6260% | 158 |
| Loan and lease loss provision to assets | 0.5700% | 126 |
| Net operating income to assets | 0.6044% | 3,680 |
| Return on assets (ROA) | 0.6044% | 3,642 |
| Pretax return on assets | 0.8034% | 3,456 |
| Return on Equity (ROE) | 4.2200% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.2195% | 3,206 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.5488% | 736 |
| Assets per employee ($millions) | 2.3579% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4938% | 88 |
| Loan loss allowance to noncurrent loans | 1,498.0000% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 2,178 |
| Noncurrent loans to loans | 0.2332% | 2,334 |
| Net loans and leases to total assets | 79.7700% | 561 |
| Net loans and leases to deposits | 96.4118% | 628 |
| Net loans and leases to core deposits | 111.4709% | 656 |
| Total domestic deposits to total assets | 82.7400% | 3,345 |
| Equity capital to assets | 14.5333% | 528 |
| Core capital (leverage) ratio | 14.0230% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,279,000 | 4,391 |
| Average earning assets | $48,833,500 | 4,363 |
| Average equity | $7,489,000 | 4,065 |
| Average total loans | $43,358,000 | 4,011 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6238% | 134 |
| Cost of funding earning assets | 0.3366% | 2,580 |
| Net interest margin | 5.2872% | 108 |
| Noninterest income to average assets | 3.3000% | 168 |
| Noninterest expense to average assets | 5.9222% | 167 |
| Loan and lease loss provision to assets | 1.1600% | 39 |
| Net operating income to assets | 0.8411% | 3,185 |
| Return on assets (ROA) | 0.8411% | 3,117 |
| Pretax return on assets | 1.1059% | 2,756 |
| Return on Equity (ROE) | 6.0200% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.0153% | 2,643 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.1452% | 1,549 |
| Assets per employee ($millions) | 2.5088% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2459% | 102 |
| Loan loss allowance to noncurrent loans | 1,408.9109% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,218 |
| Noncurrent loans to loans | 0.2304% | 2,350 |
| Net loans and leases to total assets | 80.5100% | 539 |
| Net loans and leases to deposits | 101.1108% | 397 |
| Net loans and leases to core deposits | 118.1631% | 401 |
| Total domestic deposits to total assets | 79.6300% | 3,928 |
| Equity capital to assets | 14.1200% | 563 |
| Core capital (leverage) ratio | 14.2075% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $51,720,600 | 4,428 |
| Average earning assets | $47,832,800 | 4,399 |
| Average equity | $7,231,600 | 4,182 |
| Average total loans | $37,937,800 | 4,104 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2683% | 150 |
| Cost of funding earning assets | 0.2754% | 2,429 |
| Net interest margin | 4.9929% | 119 |
| Noninterest income to average assets | 3.9100% | 151 |
| Noninterest expense to average assets | 6.0501% | 163 |
| Loan and lease loss provision to assets | 1.1700% | 32 |
| Net operating income to assets | 0.9427% | 2,692 |
| Return on assets (ROA) | 0.9427% | 2,658 |
| Pretax return on assets | 1.2924% | 2,067 |
| Return on Equity (ROE) | 6.7600% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.7596% | 2,460 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.9543% | 1,767 |
| Assets per employee ($millions) | 2.5726% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3024% | 99 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.4500% | 1,236 |
| Net loans and leases to deposits | 85.1650% | 1,224 |
| Net loans and leases to core deposits | 98.8307% | 864 |
| Total domestic deposits to total assets | 85.0700% | 3,264 |
| Equity capital to assets | 14.1064% | 557 |
| Core capital (leverage) ratio | 14.1014% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $51,479,750 | 4,459 |
| Average earning assets | $47,452,750 | 4,432 |
| Average equity | $7,179,750 | 4,232 |
| Average total loans | $36,462,250 | 4,149 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1008% | 146 |
| Cost of funding earning assets | 0.2542% | 2,207 |
| Net interest margin | 4.8466% | 122 |
| Noninterest income to average assets | 4.3155% | 107 |
| Noninterest expense to average assets | 6.0129% | 128 |
| Loan and lease loss provision to assets | 1.1653% | 38 |
| Net operating income to assets | 1.1536% | 1,592 |
| Return on assets (ROA) | 1.1536% | 1,575 |
| Pretax return on assets | 1.5809% | 988 |
| Return on Equity (ROE) | 8.3034% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.3034% | 1,510 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5388% | 2,307 |
| Assets per employee ($millions) | 2.5714% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1713% | 119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.6731% | 1,614 |
| Net loans and leases to deposits | 78.5054% | 1,503 |
| Net loans and leases to core deposits | 90.5246% | 1,095 |
| Total domestic deposits to total assets | 84.9282% | 3,497 |
| Equity capital to assets | 14.3271% | 480 |
| Core capital (leverage) ratio | 13.6318% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,489,000 | 4,496 |
| Average earning assets | $47,208,667 | 4,489 |
| Average equity | $7,153,667 | 4,300 |
| Average total loans | $35,767,000 | 4,217 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 169 |
| Cost of funding earning assets | 0.2283% | 2,423 |
| Net interest margin | 4.7011% | 137 |
| Noninterest income to average assets | 4.1848% | 118 |
| Noninterest expense to average assets | 5.7686% | 132 |
| Loan and lease loss provision to assets | 1.1646% | 36 |
| Net operating income to assets | 1.1413% | 1,401 |
| Return on assets (ROA) | 1.1413% | 1,399 |
| Pretax return on assets | 1.5683% | 882 |
| Return on Equity (ROE) | 8.3446% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.3446% | 1,473 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,680 |
| Assets per employee ($millions) | 2.5882% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7117% | 222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.4388% | 1,266 |
| Net loans and leases to deposits | 78.5019% | 1,246 |
| Net loans and leases to core deposits | 91.4327% | 844 |
| Total domestic deposits to total assets | 85.9072% | 3,291 |
| Equity capital to assets | 13.4959% | 606 |
| Core capital (leverage) ratio | 12.8466% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,520,000 | 4,523 |
| Average earning assets | $47,308,000 | 4,512 |
| Average equity | $7,046,500 | 4,357 |
| Average total loans | $35,945,000 | 4,234 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8586% | 91 |
| Cost of funding earning assets | 0.3159% | 2,238 |
| Net interest margin | 5.5427% | 80 |
| Noninterest income to average assets | 4.3923% | 123 |
| Noninterest expense to average assets | 5.2810% | 157 |
| Loan and lease loss provision to assets | 0.9975% | 36 |
| Net operating income to assets | 2.4660% | 167 |
| Return on assets (ROA) | 2.4660% | 171 |
| Pretax return on assets | 3.2670% | 114 |
| Return on Equity (ROE) | 20.3225% | 295 |
| Retained earnings to average equity (ytd only) | 20.3225% | 57 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3257% | 3,896 |
| Assets per employee ($millions) | 2.4417% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.6188% | 1,196 |
| Net loans and leases to deposits | 81.3000% | 1,119 |
| Net loans and leases to core deposits | 95.1203% | 727 |
| Total domestic deposits to total assets | 84.4021% | 3,447 |
| Equity capital to assets | 13.8603% | 691 |
| Core capital (leverage) ratio | 12.7682% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,432,800 | 4,537 |
| Average earning assets | $48,748,800 | 4,518 |
| Average equity | $6,362,400 | 4,493 |
| Average total loans | $38,613,200 | 4,219 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1752% | 75 |
| Cost of funding earning assets | 0.3174% | 2,431 |
| Net interest margin | 5.8578% | 63 |
| Noninterest income to average assets | 4.6178% | 124 |
| Noninterest expense to average assets | 5.1868% | 164 |
| Loan and lease loss provision to assets | 1.0565% | 31 |
| Net operating income to assets | 2.7894% | 152 |
| Return on assets (ROA) | 2.7894% | 155 |
| Pretax return on assets | 3.8339% | 95 |
| Return on Equity (ROE) | 23.8110% | 214 |
| Retained earnings to average equity (ytd only) | 23.8110% | 62 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5144% | 4,176 |
| Assets per employee ($millions) | 2.8279% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 70.2585% | 1,058 |
| Net loans and leases to deposits | 84.6903% | 917 |
| Net loans and leases to core deposits | 99.5020% | 607 |
| Total domestic deposits to total assets | 82.9594% | 3,718 |
| Equity capital to assets | 13.6714% | 816 |
| Core capital (leverage) ratio | 12.4448% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,722,000 | 4,595 |
| Average earning assets | $49,141,500 | 4,578 |
| Average equity | $6,176,250 | 4,579 |
| Average total loans | $39,264,500 | 4,267 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6988% | 135 |
| Cost of funding earning assets | 0.3168% | 2,623 |
| Net interest margin | 5.3820% | 114 |
| Noninterest income to average assets | 5.1980% | 112 |
| Noninterest expense to average assets | 5.3067% | 159 |
| Loan and lease loss provision to assets | 1.1251% | 32 |
| Net operating income to assets | 2.7677% | 158 |
| Return on assets (ROA) | 2.7677% | 160 |
| Pretax return on assets | 3.7991% | 103 |
| Return on Equity (ROE) | 24.9521% | 193 |
| Retained earnings to average equity (ytd only) | 24.9521% | 71 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9531% | 4,149 |
| Assets per employee ($millions) | 2.7911% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.9005% | 765 |
| Net loans and leases to deposits | 95.4245% | 402 |
| Net loans and leases to core deposits | 111.6579% | 321 |
| Total domestic deposits to total assets | 77.4440% | 4,486 |
| Equity capital to assets | 11.8271% | 1,448 |
| Core capital (leverage) ratio | 11.6448% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,328,667 | 4,621 |
| Average earning assets | $49,870,333 | 4,602 |
| Average equity | $5,915,333 | 4,628 |
| Average total loans | $40,192,333 | 4,272 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 315 |
| Cost of funding earning assets | 0.3282% | 2,723 |
| Net interest margin | 4.7503% | 255 |
| Noninterest income to average assets | 2.7034% | 235 |
| Noninterest expense to average assets | 5.5297% | 143 |
| Loan and lease loss provision to assets | 0.5760% | 104 |
| Net operating income to assets | 0.7911% | 3,453 |
| Return on assets (ROA) | 0.7911% | 3,522 |
| Pretax return on assets | 1.0445% | 3,243 |
| Return on Equity (ROE) | 7.3941% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.3941% | 2,453 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9398% | 1,147 |
| Assets per employee ($millions) | 3.1243% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.0340% | 627 |
| Net loans and leases to deposits | 98.7825% | 323 |
| Net loans and leases to core deposits | 113.9902% | 321 |
| Total domestic deposits to total assets | 76.9711% | 4,517 |
| Equity capital to assets | 10.6227% | 2,150 |
| Core capital (leverage) ratio | 10.8185% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,082,500 | 4,649 |
| Average earning assets | $48,755,000 | 4,636 |
| Average equity | $5,572,000 | 4,686 |
| Average total loans | $39,362,500 | 4,319 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0530% | 89 |
| Cost of funding earning assets | 0.3265% | 3,997 |
| Net interest margin | 5.7266% | 56 |
| Noninterest income to average assets | 0.3950% | 3,117 |
| Noninterest expense to average assets | 5.6622% | 145 |
| Loan and lease loss provision to assets | 0.7454% | 191 |
| Net operating income to assets | -0.7826% | 4,906 |
| Return on assets (ROA) | -0.6186% | 4,899 |
| Pretax return on assets | -0.6186% | 4,892 |
| Return on Equity (ROE) | -5.7097% | 4,902 |
| Retained earnings to average equity (ytd only) | -5.7097% | 4,847 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6625% | 166 |
| Assets per employee ($millions) | 2.6626% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.6328% | 1,071 |
| Net loans and leases to deposits | 90.2558% | 912 |
| Net loans and leases to core deposits | 105.6777% | 660 |
| Total domestic deposits to total assets | 81.5824% | 3,746 |
| Equity capital to assets | 10.7872% | 2,444 |
| Core capital (leverage) ratio | 10.2591% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,249,400 | 4,768 |
| Average earning assets | $36,758,600 | 4,758 |
| Average equity | $4,361,000 | 4,814 |
| Average total loans | $26,537,000 | 4,590 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 503 |
| Cost of funding earning assets | 0.3293% | 4,160 |
| Net interest margin | 4.7709% | 216 |
| Noninterest income to average assets | 0.3896% | 3,134 |
| Noninterest expense to average assets | 5.7221% | 140 |
| Loan and lease loss provision to assets | 0.7827% | 234 |
| Net operating income to assets | -1.7810% | 4,981 |
| Return on assets (ROA) | -1.5514% | 4,977 |
| Pretax return on assets | -1.5514% | 4,968 |
| Return on Equity (ROE) | -14.2988% | 4,989 |
| Retained earnings to average equity (ytd only) | -14.2988% | 4,965 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1340% | 75 |
| Assets per employee ($millions) | 2.5008% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 4,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.7972% | 449 |
| Net loans and leases to deposits | 106.3791% | 311 |
| Net loans and leases to core deposits | 107.9731% | 769 |
| Total domestic deposits to total assets | 76.8921% | 4,335 |
| Equity capital to assets | 9.8412% | 3,391 |
| Core capital (leverage) ratio | 9.9693% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4040% | 1,694 |
| Memoranda: | ||
| Average total assets | $38,330,000 | 4,818 |
| Average earning assets | $34,821,000 | 4,810 |
| Average equity | $4,158,750 | 4,856 |
| Average total loans | $24,273,750 | 4,661 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 916 |
| Cost of funding earning assets | 0.3016% | 4,478 |
| Net interest margin | 4.6346% | 393 |
| Noninterest income to average assets | 0.1994% | 4,275 |
| Noninterest expense to average assets | 5.9554% | 136 |
| Loan and lease loss provision to assets | 0.8310% | 287 |
| Net operating income to assets | -2.4154% | 5,025 |
| Return on assets (ROA) | -2.0498% | 5,016 |
| Pretax return on assets | -2.0498% | 5,009 |
| Return on Equity (ROE) | -18.1893% | 5,029 |
| Retained earnings to average equity (ytd only) | -18.1893% | 5,003 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.2484% | 56 |
| Assets per employee ($millions) | 2.4809% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4561% | 4,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.3009% | 1,509 |
| Net loans and leases to deposits | 94.8015% | 889 |
| Net loans and leases to core deposits | 96.2170% | 1,561 |
| Total domestic deposits to total assets | 77.3205% | 4,278 |
| Equity capital to assets | 9.2908% | 3,839 |
| Core capital (leverage) ratio | 12.3486% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7854% | 1,089 |
| Memoranda: | ||
| Average total assets | $36,101,667 | 4,863 |
| Average earning assets | $32,495,000 | 4,866 |
| Average equity | $4,068,333 | 4,891 |
| Average total loans | $20,016,333 | 4,771 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 3,020 |
| Cost of funding earning assets | 0.2701% | 4,734 |
| Net interest margin | 3.9949% | 1,404 |
| Noninterest income to average assets | 0.2011% | 4,348 |
| Noninterest expense to average assets | 6.5988% | 135 |
| Loan and lease loss provision to assets | 0.9427% | 235 |
| Net operating income to assets | -3.8084% | 5,086 |
| Return on assets (ROA) | -2.9789% | 5,061 |
| Pretax return on assets | -2.9789% | 5,053 |
| Return on Equity (ROE) | -23.5353% | 5,069 |
| Retained earnings to average equity (ytd only) | -23.5353% | 4,997 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.7677% | 36 |
| Assets per employee ($millions) | 1.7967% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5112% | 4,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 45.1299% | 4,462 |
| Net loans and leases to deposits | 51.8583% | 4,526 |
| Net loans and leases to core deposits | 52.8116% | 4,606 |
| Total domestic deposits to total assets | 87.0254% | 1,545 |
| Equity capital to assets | 12.7056% | 1,618 |
| Core capital (leverage) ratio | 10.6395% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3001% | 1,099 |
| Memoranda: | ||
| Average total assets | $31,824,000 | 4,955 |
| Average earning assets | $28,136,000 | 4,959 |
| Average equity | $4,028,000 | 4,934 |
| Average total loans | $13,582,500 | 4,932 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8210% | 5,149 |
| Cost of funding earning assets | 0.0618% | 5,137 |
| Net interest margin | 1.7592% | 5,117 |
| Noninterest income to average assets | 0.3369% | 3,691 |
| Noninterest expense to average assets | 2.6403% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.7354% | 5,072 |
| Return on assets (ROA) | -0.6188% | 5,067 |
| Pretax return on assets | -0.6188% | 5,064 |
| Return on Equity (ROE) | -6.6732% | 5,095 |
| Retained earnings to average equity (ytd only) | -6.6732% | 5,021 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.6054% | 52 |
| Assets per employee ($millions) | 1.9568% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 1,004 |
| Noncurrent loans to loans | 2.9612% | 324 |
| Net loans and leases to total assets | 39.9099% | 4,734 |
| Net loans and leases to deposits | 45.7692% | 4,793 |
| Net loans and leases to core deposits | 46.6336% | 4,821 |
| Total domestic deposits to total assets | 87.1982% | 1,522 |
| Equity capital to assets | 12.6070% | 1,767 |
| Core capital (leverage) ratio | 10.0294% | 3,486 |
| Tier 1 risk-based capital ratio | 18.2363% | 1,703 |
| Total risk-based capital ratio | 18.2363% | 2,005 |
| Memoranda: | ||
| Average total assets | $30,868,000 | 5,019 |
| Average earning assets | $27,513,000 | 5,015 |
| Average equity | $2,862,200 | 5,079 |
| Average total loans | $12,348,800 | 5,024 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,715 |
| Cost of funding earning assets | 0.0826% | 5,198 |
| Net interest margin | 3.6763% | 3,005 |
| Noninterest income to average assets | 0.5454% | 2,486 |
| Noninterest expense to average assets | 5.1036% | 199 |
| Loan and lease loss provision to assets | -1.0562% | 5,254 |
| Net operating income to assets | -0.2251% | 5,107 |
| Return on assets (ROA) | -0.2251% | 5,113 |
| Pretax return on assets | -0.2251% | 5,108 |
| Return on Equity (ROE) | -2.6862% | 5,133 |
| Retained earnings to average equity (ytd only) | -2.6862% | 4,970 |
| Net charge-offs to loans | -0.0107% | 4,397 |
| Credit loss provision to net charge-offs | 24,400.0000% | 9 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5221% | 60 |
| Assets per employee ($millions) | 2.6331% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| 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 | 35.0476% | 4,967 |
| Net loans and leases to deposits | 40.4338% | 4,982 |
| Net loans and leases to core deposits | 41.1949% | 5,010 |
| Total domestic deposits to total assets | 86.6791% | 1,692 |
| Equity capital to assets | 12.1404% | 2,155 |
| Core capital (leverage) ratio | 10.0157% | 3,628 |
| Tier 1 risk-based capital ratio | 18.7900% | 1,614 |
| Total risk-based capital ratio | 18.7900% | 1,901 |
| Memoranda: | ||
| Average total assets | $30,801,000 | 5,092 |
| Average earning assets | $27,454,250 | 5,091 |
| Average equity | $2,581,000 | 5,172 |
| Average total loans | $12,373,000 | 5,103 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 4,691 |
| Cost of funding earning assets | 0.0807% | 5,243 |
| Net interest margin | 3.7360% | 2,811 |
| Noninterest income to average assets | 0.7532% | 1,509 |
| Noninterest expense to average assets | 5.1743% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.0873% | 5,228 |
| Return on assets (ROA) | -1.0873% | 5,232 |
| Pretax return on assets | -1.0873% | 5,228 |
| Return on Equity (ROE) | -15.3514% | 5,265 |
| Retained earnings to average equity (ytd only) | -15.3514% | 5,223 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6026% | 65 |
| Assets per employee ($millions) | 2.7832% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0447% | 60 |
| Loan loss allowance to noncurrent loans | 1,061.3636% | 565 |
| Noncurrent assets plus other real estate owned to assets | 3.4820% | 146 |
| Noncurrent loans to loans | 0.3811% | 3,160 |
| Net loans and leases to total assets | 36.1881% | 4,969 |
| Net loans and leases to deposits | 38.9639% | 5,064 |
| Net loans and leases to core deposits | 39.6684% | 5,084 |
| Total domestic deposits to total assets | 92.8760% | 15 |
| Equity capital to assets | 6.9280% | 5,270 |
| Core capital (leverage) ratio | 7.0590% | 5,263 |
| Tier 1 risk-based capital ratio | 13.4712% | 3,599 |
| Total risk-based capital ratio | 14.7362% | 3,487 |
| Memoranda: | ||
| Average total assets | $30,535,670 | 5,137 |
| Average earning assets | $27,248,670 | 5,139 |
| Average equity | $2,162,670 | 5,242 |
| Average total loans | $12,806,000 | 5,140 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 4,544 |
| Cost of funding earning assets | 0.0737% | 5,313 |
| Net interest margin | 3.8311% | 2,416 |
| Noninterest income to average assets | 0.5771% | 2,154 |
| Noninterest expense to average assets | 4.8400% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.8526% | 5,278 |
| Return on assets (ROA) | -0.8526% | 5,274 |
| Pretax return on assets | -0.8526% | 5,268 |
| Return on Equity (ROE) | -11.9075% | 5,307 |
| Retained earnings to average equity (ytd only) | -11.9075% | 5,157 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.3816% | 73 |
| Assets per employee ($millions) | 2.5494% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5868% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.9094% | 119 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 41.0323% | 4,861 |
| Net loans and leases to deposits | 44.2428% | 4,979 |
| Net loans and leases to core deposits | 45.0445% | 5,019 |
| Total domestic deposits to total assets | 92.7434% | 29 |
| Equity capital to assets | 7.0931% | 5,303 |
| Core capital (leverage) ratio | 7.4152% | 5,295 |
| Tier 1 risk-based capital ratio | 12.8234% | 3,968 |
| Total risk-based capital ratio | 14.0861% | 3,860 |
| Memoranda: | ||
| Average total assets | $30,496,000 | 5,195 |
| Average earning assets | $27,146,000 | 5,197 |
| Average equity | $2,183,500 | 5,295 |
| Average total loans | $13,436,000 | 5,179 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 4,736 |
| Cost of funding earning assets | 0.0898% | 5,310 |
| Net interest margin | 3.5612% | 3,509 |
| Noninterest income to average assets | 0.7304% | 1,730 |
| Noninterest expense to average assets | 5.3541% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -1.4291% | 5,360 |
| Return on assets (ROA) | -1.4291% | 5,357 |
| Pretax return on assets | -1.4291% | 5,352 |
| Return on Equity (ROE) | -20.1868% | 5,378 |
| Retained earnings to average equity (ytd only) | -20.1868% | 5,373 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.4103% | 37 |
| Assets per employee ($millions) | 2.3384% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3714% | 90 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.4607% | 87 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 44.0311% | 4,816 |
| Net loans and leases to deposits | 47.5387% | 4,944 |
| Net loans and leases to core deposits | 48.4069% | 4,983 |
| Total domestic deposits to total assets | 92.6215% | 47 |
| Equity capital to assets | 7.2272% | 5,315 |
| Core capital (leverage) ratio | 7.0442% | 5,357 |
| Tier 1 risk-based capital ratio | 12.8633% | 3,925 |
| Total risk-based capital ratio | 14.1278% | 3,816 |
| Memoranda: | ||
| Average total assets | $34,777,000 | 5,175 |
| Average earning assets | $31,197,000 | 5,182 |
| Average equity | $2,462,000 | 5,322 |
| Average total loans | $15,086,400 | 5,195 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5537% | 4,868 |
| Cost of funding earning assets | 0.0910% | 5,370 |
| Net interest margin | 3.4627% | 3,829 |
| Noninterest income to average assets | 0.7025% | 1,851 |
| Noninterest expense to average assets | 4.9806% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.1671% | 5,430 |
| Return on assets (ROA) | -1.1671% | 5,426 |
| Pretax return on assets | -1.1671% | 5,421 |
| Return on Equity (ROE) | -16.5593% | 5,449 |
| Retained earnings to average equity (ytd only) | -16.5593% | 5,431 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.6043% | 40 |
| Assets per employee ($millions) | 2.6759% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2143% | 113 |
| Loan loss allowance to noncurrent loans | 65.8674% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 5.6515% | 64 |
| Noncurrent loans to loans | 4.8799% | 128 |
| Net loans and leases to total assets | 40.4231% | 5,016 |
| Net loans and leases to deposits | 43.3812% | 5,125 |
| Net loans and leases to core deposits | 44.0677% | 5,165 |
| Total domestic deposits to total assets | 93.1814% | 29 |
| Equity capital to assets | 6.6692% | 5,416 |
| Core capital (leverage) ratio | 7.0469% | 5,426 |
| Tier 1 risk-based capital ratio | 12.4009% | 4,253 |
| Total risk-based capital ratio | 13.6591% | 4,141 |
| Memoranda: | ||
| Average total assets | $35,871,500 | 5,223 |
| Average earning assets | $32,228,000 | 5,229 |
| Average equity | $2,528,250 | 5,388 |
| Average total loans | $15,395,000 | 5,248 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 4,890 |
| Cost of funding earning assets | 0.0924% | 5,420 |
| Net interest margin | 3.4316% | 3,855 |
| Noninterest income to average assets | 0.6679% | 2,013 |
| Noninterest expense to average assets | 4.6753% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.9329% | 5,473 |
| Return on assets (ROA) | -0.9329% | 5,467 |
| Pretax return on assets | -0.9329% | 5,467 |
| Return on Equity (ROE) | -13.0117% | 5,486 |
| Retained earnings to average equity (ytd only) | -13.0117% | 5,447 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.9263% | 58 |
| Assets per employee ($millions) | 3.0079% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0539% | 132 |
| Loan loss allowance to noncurrent loans | 65.7746% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 5.4495% | 76 |
| Noncurrent loans to loans | 4.6430% | 158 |
| Net loans and leases to total assets | 41.0722% | 5,022 |
| Net loans and leases to deposits | 44.1680% | 5,139 |
| Net loans and leases to core deposits | 44.8414% | 5,177 |
| Total domestic deposits to total assets | 92.9907% | 33 |
| Equity capital to assets | 6.8818% | 5,460 |
| Core capital (leverage) ratio | 7.3179% | 5,458 |
| Tier 1 risk-based capital ratio | 12.3206% | 4,295 |
| Total risk-based capital ratio | 13.5812% | 4,170 |
| Memoranda: | ||
| Average total assets | $36,233,000 | 5,283 |
| Average earning assets | $32,463,000 | 5,286 |
| Average equity | $2,597,670 | 5,443 |
| Average total loans | $15,683,670 | 5,302 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4719% | 4,919 |
| Cost of funding earning assets | 0.0981% | 5,470 |
| Net interest margin | 3.3738% | 3,969 |
| Noninterest income to average assets | 0.7052% | 1,805 |
| Noninterest expense to average assets | 4.7270% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.9917% | 5,531 |
| Return on assets (ROA) | -0.9917% | 5,530 |
| Pretax return on assets | -0.9917% | 5,532 |
| Return on Equity (ROE) | -13.5619% | 5,553 |
| Retained earnings to average equity (ytd only) | -13.5619% | 5,434 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5487% | 53 |
| Assets per employee ($millions) | 2.6156% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0147% | 156 |
| Loan loss allowance to noncurrent loans | 61.8543% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 5.4944% | 84 |
| Noncurrent loans to loans | 4.8738% | 161 |
| Net loans and leases to total assets | 41.0279% | 5,028 |
| Net loans and leases to deposits | 44.1817% | 5,155 |
| Net loans and leases to core deposits | 44.8464% | 5,189 |
| Total domestic deposits to total assets | 92.8616% | 48 |
| Equity capital to assets | 7.0264% | 5,509 |
| Core capital (leverage) ratio | 7.4953% | 5,513 |
| Tier 1 risk-based capital ratio | 12.8988% | 4,003 |
| Total risk-based capital ratio | 14.1574% | 3,890 |
| Memoranda: | ||
| Average total assets | $36,302,000 | 5,340 |
| Average earning assets | $32,604,500 | 5,342 |
| Average equity | $2,654,500 | 5,497 |
| Average total loans | $15,879,500 | 5,358 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 4,798 |
| Cost of funding earning assets | 0.1212% | 5,404 |
| Net interest margin | 3.3721% | 3,929 |
| Noninterest income to average assets | 0.6670% | 2,107 |
| Noninterest expense to average assets | 4.5191% | 309 |
| Loan and lease loss provision to assets | 0.1089% | 2,068 |
| Net operating income to assets | -0.9310% | 5,575 |
| Return on assets (ROA) | -0.8902% | 5,573 |
| Pretax return on assets | -0.8902% | 5,585 |
| Return on Equity (ROE) | -11.1353% | 5,599 |
| Retained earnings to average equity (ytd only) | -11.1353% | 5,548 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2386% | 58 |
| Assets per employee ($millions) | 2.5704% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8707% | 164 |
| Loan loss allowance to noncurrent loans | 50.5959% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 5.5940% | 75 |
| Noncurrent loans to loans | 5.6737% | 101 |
| Net loans and leases to total assets | 43.9100% | 4,980 |
| Net loans and leases to deposits | 47.5733% | 5,139 |
| Net loans and leases to core deposits | 48.3063% | 5,184 |
| Total domestic deposits to total assets | 92.2996% | 60 |
| Equity capital to assets | 7.6032% | 5,521 |
| Core capital (leverage) ratio | 7.8122% | 5,493 |
| Tier 1 risk-based capital ratio | 12.9781% | 3,914 |
| Total risk-based capital ratio | 14.2362% | 3,811 |
| Memoranda: | ||
| Average total assets | $36,732,800 | 5,385 |
| Average earning assets | $33,005,800 | 5,386 |
| Average equity | $2,936,600 | 5,536 |
| Average total loans | $16,550,800 | 5,405 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 4,775 |
| Cost of funding earning assets | 0.1245% | 5,456 |
| Net interest margin | 3.3907% | 3,877 |
| Noninterest income to average assets | 0.6212% | 2,355 |
| Noninterest expense to average assets | 4.2903% | 378 |
| Loan and lease loss provision to assets | 0.1444% | 1,457 |
| Net operating income to assets | -0.7656% | 5,657 |
| Return on assets (ROA) | -0.7656% | 5,659 |
| Pretax return on assets | -0.7656% | 5,651 |
| Return on Equity (ROE) | -9.4638% | 5,667 |
| Retained earnings to average equity (ytd only) | -9.4638% | 5,606 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9291% | 70 |
| Assets per employee ($millions) | 2.8352% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8505% | 181 |
| Loan loss allowance to noncurrent loans | 53.1891% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 5.4479% | 86 |
| Noncurrent loans to loans | 5.3592% | 136 |
| Net loans and leases to total assets | 43.1819% | 5,067 |
| Net loans and leases to deposits | 46.9443% | 5,228 |
| Net loans and leases to core deposits | 47.6513% | 5,266 |
| Total domestic deposits to total assets | 91.9855% | 60 |
| Equity capital to assets | 7.8897% | 5,546 |
| Core capital (leverage) ratio | 8.1075% | 5,471 |
| Tier 1 risk-based capital ratio | 13.1166% | 3,930 |
| Total risk-based capital ratio | 14.3743% | 3,831 |
| Memoranda: | ||
| Average total assets | $36,919,750 | 5,439 |
| Average earning assets | $33,188,000 | 5,443 |
| Average equity | $2,986,750 | 5,595 |
| Average total loans | $16,621,500 | 5,463 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3502% | 5,031 |
| Cost of funding earning assets | 0.1263% | 5,473 |
| Net interest margin | 3.2239% | 4,340 |
| Noninterest income to average assets | 0.6010% | 2,447 |
| Noninterest expense to average assets | 4.1689% | 430 |
| Loan and lease loss provision to assets | 0.2166% | 819 |
| Net operating income to assets | -0.8825% | 5,711 |
| Return on assets (ROA) | -0.8825% | 5,710 |
| Pretax return on assets | -0.8825% | 5,703 |
| Return on Equity (ROE) | -10.8198% | 5,723 |
| Retained earnings to average equity (ytd only) | -10.8198% | 5,664 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0108% | 69 |
| Assets per employee ($millions) | 2.7885% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7914% | 204 |
| Loan loss allowance to noncurrent loans | 44.9904% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 5.9807% | 76 |
| Noncurrent loans to loans | 6.2044% | 95 |
| Net loans and leases to total assets | 44.8634% | 5,003 |
| Net loans and leases to deposits | 48.9407% | 5,177 |
| Net loans and leases to core deposits | 49.6929% | 5,236 |
| Total domestic deposits to total assets | 91.6690% | 108 |
| Equity capital to assets | 8.1876% | 5,454 |
| Core capital (leverage) ratio | 8.1699% | 5,446 |
| Tier 1 risk-based capital ratio | 13.5073% | 3,700 |
| Total risk-based capital ratio | 14.7675% | 3,608 |
| Memoranda: | ||
| Average total assets | $36,940,330 | 5,481 |
| Average earning assets | $33,251,670 | 5,487 |
| Average equity | $3,013,000 | 5,635 |
| Average total loans | $16,701,000 | 5,505 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 5,078 |
| Cost of funding earning assets | 0.1308% | 5,483 |
| Net interest margin | 3.1863% | 4,385 |
| Noninterest income to average assets | 0.6862% | 2,022 |
| Noninterest expense to average assets | 4.0530% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4932% | 5,738 |
| Return on assets (ROA) | -0.4932% | 5,735 |
| Pretax return on assets | -0.4932% | 5,727 |
| Return on Equity (ROE) | -6.0219% | 5,746 |
| Retained earnings to average equity (ytd only) | -6.0219% | 5,445 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8554% | 92 |
| Assets per employee ($millions) | 2.6840% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5729% | 291 |
| Loan loss allowance to noncurrent loans | 41.0577% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 5.8016% | 90 |
| Noncurrent loans to loans | 6.2666% | 103 |
| Net loans and leases to total assets | 43.0301% | 5,100 |
| Net loans and leases to deposits | 46.8966% | 5,269 |
| Net loans and leases to core deposits | 47.5909% | 5,316 |
| Total domestic deposits to total assets | 91.7554% | 135 |
| Equity capital to assets | 8.1488% | 5,447 |
| Core capital (leverage) ratio | 8.3854% | 5,320 |
| Tier 1 risk-based capital ratio | 13.9449% | 3,517 |
| Total risk-based capital ratio | 15.2025% | 3,421 |
| Memoranda: | ||
| Average total assets | $37,305,500 | 5,538 |
| Average earning assets | $33,644,000 | 5,545 |
| Average equity | $3,055,500 | 5,695 |
| Average total loans | $16,686,500 | 5,562 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 5,142 |
| Cost of funding earning assets | 0.1283% | 5,563 |
| Net interest margin | 3.1830% | 4,491 |
| Noninterest income to average assets | 0.6128% | 2,594 |
| Noninterest expense to average assets | 4.0644% | 550 |
| Loan and lease loss provision to assets | 0.6986% | 175 |
| Net operating income to assets | -1.2919% | 5,850 |
| Return on assets (ROA) | -1.2919% | 5,851 |
| Pretax return on assets | -1.2919% | 5,845 |
| Return on Equity (ROE) | -14.4542% | 5,861 |
| Retained earnings to average equity (ytd only) | -14.4542% | 5,825 |
| Net charge-offs to loans | 2.7141% | 44 |
| Credit loss provision to net charge-offs | 58.0448% | 3,278 |
| Earnings coverage of net charge-offs (x) | -0.4929% | 4,158 |
| Efficiency ratio | 117.0904% | 92 |
| Assets per employee ($millions) | 2.8488% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5452% | 290 |
| Loan loss allowance to noncurrent loans | 48.4127% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 5.4597% | 104 |
| Noncurrent loans to loans | 5.2572% | 144 |
| Net loans and leases to total assets | 44.1474% | 5,107 |
| Net loans and leases to deposits | 48.1619% | 5,289 |
| Net loans and leases to core deposits | 48.5235% | 5,351 |
| Total domestic deposits to total assets | 91.6646% | 141 |
| Equity capital to assets | 8.2328% | 5,454 |
| Core capital (leverage) ratio | 8.1166% | 5,548 |
| Tier 1 risk-based capital ratio | 14.3717% | 3,248 |
| Total risk-based capital ratio | 15.6260% | 3,179 |
| Memoranda: | ||
| Average total assets | $40,793,400 | 5,526 |
| Average earning assets | $36,632,400 | 5,532 |
| Average equity | $3,646,000 | 5,684 |
| Average total loans | $18,090,800 | 5,574 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3070% | 5,208 |
| Cost of funding earning assets | 0.1284% | 5,626 |
| Net interest margin | 3.1786% | 4,549 |
| Noninterest income to average assets | 0.5495% | 2,919 |
| Noninterest expense to average assets | 3.9169% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.5208% | 5,861 |
| Return on assets (ROA) | -0.5208% | 5,863 |
| Pretax return on assets | -0.5208% | 5,853 |
| Return on Equity (ROE) | -5.7264% | 5,874 |
| Retained earnings to average equity (ytd only) | -5.7264% | 5,755 |
| Net charge-offs to loans | 0.4126% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -2.8596% | 3,879 |
| Efficiency ratio | 115.3340% | 98 |
| Assets per employee ($millions) | 2.9954% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2995% | 136 |
| Loan loss allowance to noncurrent loans | 44.0704% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 6.0974% | 99 |
| Noncurrent loans to loans | 7.4870% | 73 |
| Net loans and leases to total assets | 40.2542% | 5,364 |
| Net loans and leases to deposits | 44.2687% | 5,506 |
| Net loans and leases to core deposits | 45.1641% | 5,544 |
| Total domestic deposits to total assets | 90.9314% | 207 |
| Equity capital to assets | 8.8802% | 5,260 |
| Core capital (leverage) ratio | 8.8714% | 4,980 |
| Tier 1 risk-based capital ratio | 15.0054% | 3,046 |
| Total risk-based capital ratio | 16.2678% | 2,975 |
| Memoranda: | ||
| Average total assets | $41,733,000 | 5,567 |
| Average earning assets | $37,374,000 | 5,576 |
| Average equity | $3,795,250 | 5,730 |
| Average total loans | $18,419,250 | 5,616 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 5,131 |
| Cost of funding earning assets | 0.1276% | 5,709 |
| Net interest margin | 3.2494% | 4,382 |
| Noninterest income to average assets | 0.5472% | 2,914 |
| Noninterest expense to average assets | 3.7057% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2256% | 5,855 |
| Return on assets (ROA) | -0.2256% | 5,870 |
| Pretax return on assets | -0.2256% | 5,863 |
| Return on Equity (ROE) | -2.4614% | 5,881 |
| Retained earnings to average equity (ytd only) | -2.4614% | 5,580 |
| Net charge-offs to loans | 0.4055% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.2368% | 3,593 |
| Efficiency ratio | 106.4828% | 169 |
| Assets per employee ($millions) | 2.9460% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2988% | 146 |
| Loan loss allowance to noncurrent loans | 40.9780% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 6.0300% | 105 |
| Noncurrent loans to loans | 8.0501% | 69 |
| Net loans and leases to total assets | 42.2898% | 5,325 |
| Net loans and leases to deposits | 46.7126% | 5,472 |
| Net loans and leases to core deposits | 47.6766% | 5,508 |
| Total domestic deposits to total assets | 90.5320% | 307 |
| Equity capital to assets | 9.2886% | 4,985 |
| Core capital (leverage) ratio | 9.0013% | 4,830 |
| Tier 1 risk-based capital ratio | 15.4001% | 2,902 |
| Total risk-based capital ratio | 16.6639% | 2,828 |
| Memoranda: | ||
| Average total assets | $41,665,330 | 5,631 |
| Average earning assets | $37,607,000 | 5,639 |
| Average equity | $3,819,000 | 5,790 |
| Average total loans | $18,740,000 | 5,674 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,947 |
| Cost of funding earning assets | 0.1256% | 5,784 |
| Net interest margin | 3.3501% | 4,040 |
| Noninterest income to average assets | 0.4872% | 3,215 |
| Noninterest expense to average assets | 3.6202% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0764% | 5,833 |
| Return on assets (ROA) | -0.0764% | 5,850 |
| Pretax return on assets | -0.0764% | 5,850 |
| Return on Equity (ROE) | -0.8392% | 5,864 |
| Retained earnings to average equity (ytd only) | -0.8392% | 5,258 |
| Net charge-offs to loans | 0.0419% | 2,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 3,035 |
| Efficiency ratio | 102.1563% | 238 |
| Assets per employee ($millions) | 2.9976% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3509% | 158 |
| Loan loss allowance to noncurrent loans | 43.4274% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 5.9286% | 120 |
| Noncurrent loans to loans | 7.7160% | 77 |
| Net loans and leases to total assets | 43.3684% | 5,281 |
| Net loans and leases to deposits | 47.8456% | 5,424 |
| Net loans and leases to core deposits | 48.8145% | 5,483 |
| Total domestic deposits to total assets | 90.6424% | 384 |
| Equity capital to assets | 9.2003% | 4,988 |
| Core capital (leverage) ratio | 9.0927% | 4,743 |
| Tier 1 risk-based capital ratio | 15.3890% | 2,975 |
| Total risk-based capital ratio | 16.6552% | 2,907 |
| Memoranda: | ||
| Average total assets | $41,876,000 | 5,678 |
| Average earning assets | $38,207,500 | 5,678 |
| Average equity | $3,813,000 | 5,840 |
| Average total loans | $19,091,500 | 5,717 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 5,435 |
| Cost of funding earning assets | 0.1288% | 5,824 |
| Net interest margin | 3.1188% | 4,855 |
| Noninterest income to average assets | 0.5945% | 2,747 |
| Noninterest expense to average assets | 4.1217% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.6928% | 6,073 |
| Return on assets (ROA) | -0.6928% | 6,075 |
| Pretax return on assets | -0.6928% | 6,068 |
| Return on Equity (ROE) | -7.4007% | 6,076 |
| Retained earnings to average equity (ytd only) | -7.4007% | 5,990 |
| Net charge-offs to loans | 0.0940% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -16.4444% | 4,436 |
| Efficiency ratio | 120.2048% | 91 |
| Assets per employee ($millions) | 2.9847% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2710% | 163 |
| Loan loss allowance to noncurrent loans | 32.8831% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 6.7750% | 110 |
| Noncurrent loans to loans | 9.9473% | 45 |
| Net loans and leases to total assets | 44.7973% | 5,237 |
| Net loans and leases to deposits | 49.3072% | 5,424 |
| Net loans and leases to core deposits | 50.3064% | 5,487 |
| Total domestic deposits to total assets | 90.8534% | 318 |
| Equity capital to assets | 9.0102% | 5,109 |
| Core capital (leverage) ratio | 9.0440% | 4,826 |
| Tier 1 risk-based capital ratio | 14.8815% | 3,228 |
| Total risk-based capital ratio | 16.1465% | 3,156 |
| Memoranda: | ||
| Average total assets | $42,725,000 | 5,711 |
| Average earning assets | $38,829,600 | 5,708 |
| Average equity | $3,999,600 | 5,851 |
| Average total loans | $19,155,200 | 5,753 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2252% | 5,551 |
| Cost of funding earning assets | 0.1301% | 5,915 |
| Net interest margin | 3.0951% | 4,976 |
| Noninterest income to average assets | 0.5400% | 3,103 |
| Noninterest expense to average assets | 3.8547% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.5090% | 6,139 |
| Return on assets (ROA) | -0.5090% | 6,142 |
| Pretax return on assets | -0.5090% | 6,136 |
| Return on Equity (ROE) | -5.3880% | 6,143 |
| Retained earnings to average equity (ytd only) | -5.3880% | 6,032 |
| Net charge-offs to loans | 0.0209% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -54.6650% | 4,171 |
| Efficiency ratio | 115.2134% | 115 |
| Assets per employee ($millions) | 2.9746% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3559% | 169 |
| Loan loss allowance to noncurrent loans | 33.7852% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 6.9684% | 111 |
| Noncurrent loans to loans | 9.9332% | 41 |
| Net loans and leases to total assets | 44.8097% | 5,302 |
| Net loans and leases to deposits | 49.6647% | 5,487 |
| Net loans and leases to core deposits | 50.6817% | 5,554 |
| Total domestic deposits to total assets | 90.2245% | 494 |
| Equity capital to assets | 9.6386% | 4,592 |
| Core capital (leverage) ratio | 9.2579% | 4,649 |
| Tier 1 risk-based capital ratio | 15.3534% | 3,113 |
| Total risk-based capital ratio | 16.6185% | 3,038 |
| Memoranda: | ||
| Average total assets | $42,959,750 | 5,780 |
| Average earning assets | $38,942,500 | 5,779 |
| Average equity | $4,058,250 | 5,921 |
| Average total loans | $19,106,000 | 5,826 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1306% | 5,704 |
| Cost of funding earning assets | 0.1323% | 5,969 |
| Net interest margin | 2.9982% | 5,224 |
| Noninterest income to average assets | 0.4378% | 3,795 |
| Noninterest expense to average assets | 3.9910% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.8387% | 6,248 |
| Return on assets (ROA) | -0.8387% | 6,252 |
| Pretax return on assets | -0.8387% | 6,239 |
| Return on Equity (ROE) | -8.9369% | 6,249 |
| Retained earnings to average equity (ytd only) | -8.9369% | 6,155 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6082% | 87 |
| Assets per employee ($millions) | 3.0576% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2837% | 196 |
| Loan loss allowance to noncurrent loans | 31.1334% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 7.4170% | 108 |
| Noncurrent loans to loans | 10.5473% | 44 |
| Net loans and leases to total assets | 44.7917% | 5,325 |
| Net loans and leases to deposits | 49.4048% | 5,538 |
| Net loans and leases to core deposits | 50.3823% | 5,596 |
| Total domestic deposits to total assets | 90.6627% | 395 |
| Equity capital to assets | 9.2111% | 5,003 |
| Core capital (leverage) ratio | 9.1027% | 4,814 |
| Tier 1 risk-based capital ratio | 15.1166% | 3,292 |
| Total risk-based capital ratio | 16.3796% | 3,226 |
| Memoranda: | ||
| Average total assets | $43,398,000 | 5,832 |
| Average earning assets | $39,290,000 | 5,833 |
| Average equity | $4,073,000 | 5,982 |
| Average total loans | $19,038,330 | 5,887 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0533% | 5,837 |
| Cost of funding earning assets | 0.1415% | 5,986 |
| Net interest margin | 2.9118% | 5,429 |
| Noninterest income to average assets | 0.4852% | 3,390 |
| Noninterest expense to average assets | 3.7809% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6591% | 6,273 |
| Return on assets (ROA) | -0.6591% | 6,277 |
| Pretax return on assets | -0.6591% | 6,264 |
| Return on Equity (ROE) | -6.9599% | 6,292 |
| Retained earnings to average equity (ytd only) | -6.9599% | 6,037 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1144% | 122 |
| Assets per employee ($millions) | 2.9228% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4722% | 185 |
| Loan loss allowance to noncurrent loans | 32.8449% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 7.2898% | 120 |
| Noncurrent loans to loans | 10.5716% | 53 |
| Net loans and leases to total assets | 41.2162% | 5,533 |
| Net loans and leases to deposits | 45.5784% | 5,671 |
| Net loans and leases to core deposits | 46.4608% | 5,732 |
| Total domestic deposits to total assets | 90.4293% | 552 |
| Equity capital to assets | 9.4407% | 4,820 |
| Core capital (leverage) ratio | 9.2858% | 4,599 |
| Tier 1 risk-based capital ratio | 16.6377% | 2,619 |
| Total risk-based capital ratio | 17.9029% | 2,566 |
| Memoranda: | ||
| Average total assets | $43,693,500 | 5,877 |
| Average earning assets | $39,563,500 | 5,880 |
| Average equity | $4,138,000 | 6,023 |
| Average total loans | $18,645,000 | 5,951 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3095% | 5,690 |
| Cost of funding earning assets | 0.2401% | 5,423 |
| Net interest margin | 3.0694% | 5,278 |
| Noninterest income to average assets | 0.4860% | 3,615 |
| Noninterest expense to average assets | 4.1253% | 664 |
| Loan and lease loss provision to assets | 0.4563% | 364 |
| Net operating income to assets | -1.2960% | 6,412 |
| Return on assets (ROA) | -1.2960% | 6,413 |
| Pretax return on assets | -1.2960% | 6,405 |
| Return on Equity (ROE) | -13.0037% | 6,395 |
| Retained earnings to average equity (ytd only) | -13.0037% | 6,361 |
| Net charge-offs to loans | 1.1188% | 251 |
| Credit loss provision to net charge-offs | 90.9091% | 2,628 |
| Earnings coverage of net charge-offs (x) | -1.6727% | 4,827 |
| Efficiency ratio | 125.5556% | 104 |
| Assets per employee ($millions) | 2.9030% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5003% | 183 |
| Loan loss allowance to noncurrent loans | 39.8529% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 6.7608% | 161 |
| Noncurrent loans to loans | 8.7830% | 89 |
| Net loans and leases to total assets | 41.1528% | 5,681 |
| Net loans and leases to deposits | 45.5354% | 5,815 |
| Net loans and leases to core deposits | 46.4225% | 5,870 |
| Total domestic deposits to total assets | 90.3755% | 585 |
| Equity capital to assets | 9.5005% | 4,724 |
| Core capital (leverage) ratio | 9.4982% | 4,239 |
| Tier 1 risk-based capital ratio | 17.1331% | 2,460 |
| Total risk-based capital ratio | 18.4005% | 2,408 |
| Memoranda: | ||
| Average total assets | $43,826,800 | 5,933 |
| Average earning assets | $39,975,400 | 5,919 |
| Average equity | $4,368,000 | 6,018 |
| Average total loans | $19,664,600 | 5,975 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 5,779 |
| Cost of funding earning assets | 0.2631% | 5,274 |
| Net interest margin | 3.0341% | 5,424 |
| Noninterest income to average assets | 0.4465% | 3,919 |
| Noninterest expense to average assets | 4.0184% | 739 |
| Loan and lease loss provision to assets | 0.6075% | 219 |
| Net operating income to assets | -1.4123% | 6,499 |
| Return on assets (ROA) | -1.4123% | 6,495 |
| Pretax return on assets | -1.4123% | 6,483 |
| Return on Equity (ROE) | -14.0085% | 6,485 |
| Retained earnings to average equity (ytd only) | -14.0085% | 6,436 |
| Net charge-offs to loans | 1.4712% | 164 |
| Credit loss provision to net charge-offs | 90.9091% | 2,408 |
| Earnings coverage of net charge-offs (x) | -1.2045% | 4,535 |
| Efficiency ratio | 125.0473% | 109 |
| Assets per employee ($millions) | 3.2916% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3667% | 255 |
| Loan loss allowance to noncurrent loans | 30.8935% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 7.9853% | 132 |
| Noncurrent loans to loans | 10.8976% | 63 |
| Net loans and leases to total assets | 43.6003% | 5,546 |
| Net loans and leases to deposits | 48.4132% | 5,743 |
| Net loans and leases to core deposits | 49.3767% | 5,819 |
| Total domestic deposits to total assets | 90.0587% | 709 |
| Equity capital to assets | 9.8081% | 4,411 |
| Core capital (leverage) ratio | 9.6786% | 4,116 |
| Tier 1 risk-based capital ratio | 17.2861% | 2,483 |
| Total risk-based capital ratio | 18.5388% | 2,439 |
| Memoranda: | ||
| Average total assets | $43,897,250 | 6,000 |
| Average earning assets | $40,032,750 | 5,987 |
| Average equity | $4,425,750 | 6,065 |
| Average total loans | $19,938,250 | 6,029 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3455% | 5,721 |
| Cost of funding earning assets | 0.2780% | 5,215 |
| Net interest margin | 3.0676% | 5,353 |
| Noninterest income to average assets | 0.5467% | 3,153 |
| Noninterest expense to average assets | 3.9308% | 827 |
| Loan and lease loss provision to assets | 0.9036% | 126 |
| Net operating income to assets | -1.4955% | 6,572 |
| Return on assets (ROA) | -1.4955% | 6,571 |
| Pretax return on assets | -1.4955% | 6,558 |
| Return on Equity (ROE) | -14.7046% | 6,547 |
| Retained earnings to average equity (ytd only) | -14.7046% | 6,489 |
| Net charge-offs to loans | 2.1838% | 97 |
| Credit loss provision to net charge-offs | 90.9091% | 2,158 |
| Earnings coverage of net charge-offs (x) | -0.5955% | 4,185 |
| Efficiency ratio | 117.7267% | 158 |
| Assets per employee ($millions) | 2.7618% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3393% | 269 |
| Loan loss allowance to noncurrent loans | 30.9229% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 7.7668% | 146 |
| Noncurrent loans to loans | 10.7989% | 64 |
| Net loans and leases to total assets | 42.5794% | 5,639 |
| Net loans and leases to deposits | 47.3072% | 5,809 |
| Net loans and leases to core deposits | 47.9095% | 5,906 |
| Total domestic deposits to total assets | 90.0063% | 808 |
| Equity capital to assets | 9.8669% | 4,275 |
| Core capital (leverage) ratio | 9.7938% | 3,895 |
| Tier 1 risk-based capital ratio | 17.6081% | 2,381 |
| Total risk-based capital ratio | 18.8751% | 2,346 |
| Memoranda: | ||
| Average total assets | $44,266,000 | 6,054 |
| Average earning assets | $40,292,330 | 6,037 |
| Average equity | $4,502,000 | 6,093 |
| Average total loans | $20,148,670 | 6,071 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3413% | 5,766 |
| Cost of funding earning assets | 0.2784% | 5,298 |
| Net interest margin | 3.0628% | 5,353 |
| Noninterest income to average assets | 0.4966% | 3,436 |
| Noninterest expense to average assets | 4.1530% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8757% | 6,555 |
| Return on assets (ROA) | -0.8757% | 6,552 |
| Pretax return on assets | -0.8757% | 6,542 |
| Return on Equity (ROE) | -8.4846% | 6,539 |
| Retained earnings to average equity (ytd only) | -8.4846% | 6,304 |
| Net charge-offs to loans | 0.1171% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -16.1667% | 3,613 |
| Efficiency ratio | 126.7218% | 141 |
| Assets per employee ($millions) | 2.7828% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2796% | 334 |
| Loan loss allowance to noncurrent loans | 36.2595% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 7.1353% | 213 |
| Noncurrent loans to loans | 9.0447% | 126 |
| Net loans and leases to total assets | 44.0472% | 5,509 |
| Net loans and leases to deposits | 49.1233% | 5,660 |
| Net loans and leases to core deposits | 49.1233% | 5,818 |
| Total domestic deposits to total assets | 89.6665% | 1,264 |
| Equity capital to assets | 10.2100% | 3,585 |
| Core capital (leverage) ratio | 10.3025% | 3,172 |
| Tier 1 risk-based capital ratio | 17.8564% | 2,354 |
| Total risk-based capital ratio | 19.1224% | 2,324 |
| Memoranda: | ||
| Average total assets | $44,305,000 | 6,109 |
| Average earning assets | $40,224,000 | 6,095 |
| Average equity | $4,573,000 | 6,107 |
| Average total loans | $20,490,500 | 6,117 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 5,229 |
| Cost of funding earning assets | 0.4408% | 4,209 |
| Net interest margin | 3.2260% | 4,909 |
| Noninterest income to average assets | 1.4670% | 650 |
| Noninterest expense to average assets | 4.2277% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1640% | 5,909 |
| Return on assets (ROA) | 0.1640% | 5,975 |
| Pretax return on assets | 0.1640% | 5,998 |
| Return on Equity (ROE) | 1.5062% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.5062% | 5,142 |
| Net charge-offs to loans | 1.4684% | 328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.2076% | 5,018 |
| Efficiency ratio | 96.2651% | 627 |
| Assets per employee ($millions) | 2.7553% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2409% | 355 |
| Loan loss allowance to noncurrent loans | 25.9173% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 8.6923% | 164 |
| Noncurrent loans to loans | 12.5048% | 61 |
| Net loans and leases to total assets | 45.4418% | 5,538 |
| Net loans and leases to deposits | 50.8336% | 5,704 |
| Net loans and leases to core deposits | 50.8336% | 5,883 |
| Total domestic deposits to total assets | 89.3932% | 1,386 |
| Equity capital to assets | 10.4344% | 3,244 |
| Core capital (leverage) ratio | 10.6606% | 2,718 |
| Tier 1 risk-based capital ratio | 18.2191% | 2,176 |
| Total risk-based capital ratio | 19.4878% | 2,129 |
| Memoranda: | ||
| Average total assets | $43,285,600 | 6,192 |
| Average earning assets | $39,243,400 | 6,193 |
| Average equity | $4,714,000 | 6,141 |
| Average total loans | $23,291,000 | 6,068 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 5,033 |
| Cost of funding earning assets | 0.4826% | 3,938 |
| Net interest margin | 3.2683% | 4,756 |
| Noninterest income to average assets | 1.7639% | 499 |
| Noninterest expense to average assets | 4.0879% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6313% | 4,208 |
| Return on assets (ROA) | 0.6313% | 4,331 |
| Pretax return on assets | 0.6313% | 4,910 |
| Return on Equity (ROE) | 5.7352% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.7352% | 2,574 |
| Net charge-offs to loans | 1.5595% | 285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.7286% | 4,605 |
| Efficiency ratio | 86.6230% | 1,303 |
| Assets per employee ($millions) | 2.5529% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4020% | 370 |
| Loan loss allowance to noncurrent loans | 28.1815% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 8.7880% | 187 |
| Noncurrent loans to loans | 12.0718% | 84 |
| Net loans and leases to total assets | 47.9562% | 5,349 |
| Net loans and leases to deposits | 53.9351% | 5,543 |
| Net loans and leases to core deposits | 53.9351% | 5,767 |
| Total domestic deposits to total assets | 88.9147% | 1,606 |
| Equity capital to assets | 10.8940% | 2,864 |
| Core capital (leverage) ratio | 11.0738% | 2,408 |
| Tier 1 risk-based capital ratio | 18.4861% | 2,146 |
| Total risk-based capital ratio | 19.7541% | 2,113 |
| Memoranda: | ||
| Average total assets | $43,085,750 | 6,267 |
| Average earning assets | $38,959,250 | 6,267 |
| Average equity | $4,742,500 | 6,211 |
| Average total loans | $23,937,750 | 6,096 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 3,990 |
| Cost of funding earning assets | 0.4958% | 3,937 |
| Net interest margin | 3.5378% | 3,622 |
| Noninterest income to average assets | 1.9730% | 454 |
| Noninterest expense to average assets | 3.9878% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1726% | 1,662 |
| Return on assets (ROA) | 1.1726% | 1,771 |
| Pretax return on assets | 1.1726% | 2,797 |
| Return on Equity (ROE) | 10.6165% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.6165% | 718 |
| Net charge-offs to loans | 2.2640% | 177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.9000% | 4,225 |
| Efficiency ratio | 77.2768% | 2,580 |
| Assets per employee ($millions) | 2.7300% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2097% | 480 |
| Loan loss allowance to noncurrent loans | 43.2704% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 7.1177% | 331 |
| Noncurrent loans to loans | 7.4178% | 302 |
| Net loans and leases to total assets | 50.6044% | 5,047 |
| Net loans and leases to deposits | 56.9794% | 5,250 |
| Net loans and leases to core deposits | 56.9794% | 5,525 |
| Total domestic deposits to total assets | 88.8118% | 1,725 |
| Equity capital to assets | 11.0348% | 2,717 |
| Core capital (leverage) ratio | 11.3565% | 2,050 |
| Tier 1 risk-based capital ratio | 17.8923% | 2,352 |
| Total risk-based capital ratio | 19.1590% | 2,314 |
| Memoranda: | ||
| Average total assets | $42,981,000 | 6,316 |
| Average earning assets | $38,724,330 | 6,323 |
| Average equity | $4,747,330 | 6,257 |
| Average total loans | $24,735,000 | 6,080 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,842 |
| Cost of funding earning assets | 0.4868% | 4,212 |
| Net interest margin | 3.5836% | 3,327 |
| Noninterest income to average assets | 0.4973% | 3,788 |
| Noninterest expense to average assets | 3.7343% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0094% | 6,328 |
| Return on assets (ROA) | 0.0094% | 6,405 |
| Pretax return on assets | 0.0094% | 6,398 |
| Return on Equity (ROE) | 0.0849% | 6,408 |
| Retained earnings to average equity (ytd only) | 0.0849% | 5,749 |
| Net charge-offs to loans | 0.3582% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0435% | 3,815 |
| Efficiency ratio | 99.7494% | 553 |
| Assets per employee ($millions) | 2.5101% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8940% | 314 |
| Loan loss allowance to noncurrent loans | 43.7666% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 8.6171% | 274 |
| Noncurrent loans to loans | 8.8971% | 271 |
| Net loans and leases to total assets | 57.2614% | 3,876 |
| Net loans and leases to deposits | 64.9858% | 4,188 |
| Net loans and leases to core deposits | 64.9858% | 4,652 |
| Total domestic deposits to total assets | 88.1137% | 2,250 |
| Equity capital to assets | 11.0661% | 2,883 |
| Core capital (leverage) ratio | 10.7053% | 2,546 |
| Tier 1 risk-based capital ratio | 16.0184% | 3,258 |
| Total risk-based capital ratio | 17.2941% | 3,198 |
| Memoranda: | ||
| Average total assets | $42,631,500 | 6,382 |
| Average earning assets | $38,620,500 | 6,378 |
| Average equity | $4,711,000 | 6,331 |
| Average total loans | $25,684,000 | 6,082 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 4,195 |
| Cost of funding earning assets | 0.5629% | 4,705 |
| Net interest margin | 3.7353% | 3,499 |
| Noninterest income to average assets | 0.7125% | 2,657 |
| Noninterest expense to average assets | 4.0602% | 910 |
| Loan and lease loss provision to assets | 0.8403% | 565 |
| Net operating income to assets | -0.7977% | 6,677 |
| Return on assets (ROA) | -0.7977% | 6,697 |
| Pretax return on assets | -0.7977% | 6,673 |
| Return on Equity (ROE) | -7.0979% | 6,660 |
| Retained earnings to average equity (ytd only) | -7.0979% | 6,534 |
| Net charge-offs to loans | 0.0981% | 4,683 |
| Credit loss provision to net charge-offs | 1,388.8889% | 181 |
| Earnings coverage of net charge-offs (x) | 0.7037% | 5,130 |
| Efficiency ratio | 98.9623% | 595 |
| Assets per employee ($millions) | 2.8395% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9046% | 306 |
| Loan loss allowance to noncurrent loans | 43.7959% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 8.7223% | 294 |
| Noncurrent loans to loans | 8.9154% | 299 |
| Net loans and leases to total assets | 58.5345% | 3,873 |
| Net loans and leases to deposits | 66.4490% | 4,218 |
| Net loans and leases to core deposits | 66.4490% | 4,695 |
| Total domestic deposits to total assets | 88.0893% | 2,179 |
| Equity capital to assets | 11.0349% | 2,905 |
| Core capital (leverage) ratio | 10.6377% | 2,610 |
| Tier 1 risk-based capital ratio | 15.9141% | 3,207 |
| Total risk-based capital ratio | 17.1918% | 3,153 |
| Memoranda: | ||
| Average total assets | $44,628,800 | 6,357 |
| Average earning assets | $40,505,000 | 6,346 |
| Average equity | $5,015,600 | 6,282 |
| Average total loans | $27,529,200 | 6,060 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 4,363 |
| Cost of funding earning assets | 0.5820% | 4,825 |
| Net interest margin | 3.7394% | 3,611 |
| Noninterest income to average assets | 0.8123% | 2,183 |
| Noninterest expense to average assets | 3.7750% | 1,253 |
| Loan and lease loss provision to assets | 1.1077% | 349 |
| Net operating income to assets | -0.6735% | 6,767 |
| Return on assets (ROA) | -0.6735% | 6,795 |
| Pretax return on assets | -0.6735% | 6,773 |
| Return on Equity (ROE) | -5.9670% | 6,752 |
| Retained earnings to average equity (ytd only) | -5.9670% | 6,670 |
| Net charge-offs to loans | 0.1289% | 4,091 |
| Credit loss provision to net charge-offs | 1,388.8889% | 204 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 3,025 |
| Efficiency ratio | 89.6842% | 1,067 |
| Assets per employee ($millions) | 2.7529% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7470% | 378 |
| Loan loss allowance to noncurrent loans | 46.8115% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 8.1483% | 372 |
| Noncurrent loans to loans | 8.0044% | 390 |
| Net loans and leases to total assets | 59.0791% | 3,951 |
| Net loans and leases to deposits | 67.0618% | 4,329 |
| Net loans and leases to core deposits | 67.0618% | 4,833 |
| Total domestic deposits to total assets | 88.0965% | 1,992 |
| Equity capital to assets | 11.0952% | 3,157 |
| Core capital (leverage) ratio | 10.7392% | 2,666 |
| Tier 1 risk-based capital ratio | 15.8473% | 3,352 |
| Total risk-based capital ratio | 17.1232% | 3,308 |
| Memoranda: | ||
| Average total assets | $45,138,000 | 6,422 |
| Average earning assets | $41,004,250 | 6,400 |
| Average equity | $5,094,500 | 6,336 |
| Average total loans | $27,925,500 | 6,112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 4,480 |
| Cost of funding earning assets | 0.6140% | 4,773 |
| Net interest margin | 3.7082% | 3,780 |
| Noninterest income to average assets | 0.7560% | 2,391 |
| Noninterest expense to average assets | 3.5911% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5362% | 4,649 |
| Return on assets (ROA) | 0.5362% | 4,923 |
| Pretax return on assets | 0.5362% | 5,350 |
| Return on Equity (ROE) | 4.7253% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.7253% | 3,462 |
| Net charge-offs to loans | 0.0283% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,054 |
| Efficiency ratio | 87.0075% | 1,338 |
| Assets per employee ($millions) | 2.6490% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3979% | 1,416 |
| Loan loss allowance to noncurrent loans | 31.7026% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 7.7943% | 449 |
| Noncurrent loans to loans | 7.5637% | 477 |
| Net loans and leases to total assets | 59.7451% | 3,870 |
| Net loans and leases to deposits | 68.2141% | 4,161 |
| Net loans and leases to core deposits | 68.2141% | 4,759 |
| Total domestic deposits to total assets | 87.5847% | 2,409 |
| Equity capital to assets | 11.6315% | 2,464 |
| Core capital (leverage) ratio | 11.1916% | 2,130 |
| Tier 1 risk-based capital ratio | 16.5851% | 2,867 |
| Total risk-based capital ratio | 17.8448% | 2,822 |
| Memoranda: | ||
| Average total assets | $45,502,000 | 6,449 |
| Average earning assets | $41,367,670 | 6,435 |
| Average equity | $5,163,670 | 6,346 |
| Average total loans | $28,222,330 | 6,142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 3,045 |
| Cost of funding earning assets | 0.6264% | 4,926 |
| Net interest margin | 4.0767% | 2,191 |
| Noninterest income to average assets | 0.4898% | 3,978 |
| Noninterest expense to average assets | 3.5595% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6297% | 4,220 |
| Return on assets (ROA) | 0.6297% | 4,429 |
| Pretax return on assets | 0.6297% | 5,015 |
| Return on Equity (ROE) | 5.6179% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.6179% | 3,189 |
| Net charge-offs to loans | 0.0420% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,072 |
| Efficiency ratio | 84.9687% | 1,584 |
| Assets per employee ($millions) | 2.6945% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3577% | 1,579 |
| Loan loss allowance to noncurrent loans | 87.3351% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 4.9054% | 1,074 |
| Noncurrent loans to loans | 2.6996% | 2,419 |
| Net loans and leases to total assets | 59.8511% | 3,702 |
| Net loans and leases to deposits | 68.1481% | 4,033 |
| Net loans and leases to core deposits | 68.7238% | 4,599 |
| Total domestic deposits to total assets | 87.8250% | 2,436 |
| Equity capital to assets | 11.2734% | 2,652 |
| Core capital (leverage) ratio | 11.0436% | 2,223 |
| Tier 1 risk-based capital ratio | 16.1158% | 3,113 |
| Total risk-based capital ratio | 17.3777% | 3,076 |
| Memoranda: | ||
| Average total assets | $45,736,500 | 6,489 |
| Average earning assets | $41,504,000 | 6,470 |
| Average equity | $5,126,500 | 6,388 |
| Average total loans | $28,550,500 | 6,179 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 4,198 |
| Cost of funding earning assets | 0.9070% | 4,071 |
| Net interest margin | 3.8032% | 3,800 |
| Noninterest income to average assets | 1.2088% | 905 |
| Noninterest expense to average assets | 4.1305% | 879 |
| Loan and lease loss provision to assets | 0.8837% | 1,095 |
| Net operating income to assets | -0.3469% | 6,380 |
| Return on assets (ROA) | -0.3469% | 6,430 |
| Pretax return on assets | -0.3469% | 6,381 |
| Return on Equity (ROE) | -3.1084% | 6,421 |
| Retained earnings to average equity (ytd only) | -3.1084% | 6,288 |
| Net charge-offs to loans | 0.8411% | 2,062 |
| Credit loss provision to net charge-offs | 158.8235% | 1,744 |
| Earnings coverage of net charge-offs (x) | 0.9647% | 5,077 |
| Efficiency ratio | 88.4993% | 1,318 |
| Assets per employee ($millions) | 2.8541% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2913% | 1,627 |
| Loan loss allowance to noncurrent loans | 72.5191% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 5.0782% | 1,046 |
| Noncurrent loans to loans | 3.1596% | 2,050 |
| Net loans and leases to total assets | 62.0987% | 3,588 |
| Net loans and leases to deposits | 70.6319% | 4,000 |
| Net loans and leases to core deposits | 71.2280% | 4,629 |
| Total domestic deposits to total assets | 87.9188% | 2,211 |
| Equity capital to assets | 11.1440% | 2,849 |
| Core capital (leverage) ratio | 10.7851% | 2,445 |
| Tier 1 risk-based capital ratio | 15.4673% | 3,351 |
| Total risk-based capital ratio | 16.7291% | 3,296 |
| Memoranda: | ||
| Average total assets | $45,830,000 | 6,483 |
| Average earning assets | $41,675,200 | 6,474 |
| Average equity | $5,115,200 | 6,406 |
| Average total loans | $30,319,000 | 6,142 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 4,902 |
| Cost of funding earning assets | 0.9621% | 3,943 |
| Net interest margin | 3.6280% | 4,664 |
| Noninterest income to average assets | 1.0493% | 1,219 |
| Noninterest expense to average assets | 3.4909% | 1,961 |
| Loan and lease loss provision to assets | 1.1772% | 671 |
| Net operating income to assets | -0.3197% | 6,518 |
| Return on assets (ROA) | -0.3197% | 6,570 |
| Pretax return on assets | -0.3197% | 6,511 |
| Return on Equity (ROE) | -2.8635% | 6,550 |
| Retained earnings to average equity (ytd only) | -2.8635% | 6,403 |
| Net charge-offs to loans | 1.1182% | 1,415 |
| Credit loss provision to net charge-offs | 157.5875% | 1,969 |
| Earnings coverage of net charge-offs (x) | 1.1478% | 4,764 |
| Efficiency ratio | 80.2807% | 2,219 |
| Assets per employee ($millions) | 2.7378% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2240% | 1,814 |
| Loan loss allowance to noncurrent loans | 72.7473% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 4.9674% | 1,166 |
| Noncurrent loans to loans | 3.0572% | 2,267 |
| Net loans and leases to total assets | 62.5314% | 3,605 |
| Net loans and leases to deposits | 71.1137% | 4,121 |
| Net loans and leases to core deposits | 71.7024% | 4,751 |
| Total domestic deposits to total assets | 87.9316% | 2,072 |
| Equity capital to assets | 11.1273% | 3,028 |
| Core capital (leverage) ratio | 10.7420% | 2,624 |
| Tier 1 risk-based capital ratio | 15.2906% | 3,498 |
| Total risk-based capital ratio | 16.5500% | 3,462 |
| Memoranda: | ||
| Average total assets | $45,871,000 | 6,542 |
| Average earning assets | $41,712,000 | 6,523 |
| Average equity | $5,121,750 | 6,460 |
| Average total loans | $30,643,000 | 6,192 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 5,056 |
| Cost of funding earning assets | 1.0074% | 3,906 |
| Net interest margin | 3.5717% | 4,831 |
| Noninterest income to average assets | 1.4590% | 600 |
| Noninterest expense to average assets | 3.4044% | 2,245 |
| Loan and lease loss provision to assets | 1.2049% | 645 |
| Net operating income to assets | 0.0964% | 6,029 |
| Return on assets (ROA) | 0.0964% | 6,107 |
| Pretax return on assets | 0.0964% | 6,109 |
| Return on Equity (ROE) | 0.8623% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.8623% | 5,524 |
| Net charge-offs to loans | 0.8405% | 1,819 |
| Credit loss provision to net charge-offs | 211.5385% | 1,425 |
| Earnings coverage of net charge-offs (x) | 2.2846% | 3,686 |
| Efficiency ratio | 72.3464% | 3,664 |
| Assets per employee ($millions) | 2.4447% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 1,907 |
| Loan loss allowance to noncurrent loans | 50.0380% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 5.3909% | 1,102 |
| Noncurrent loans to loans | 4.4106% | 1,520 |
| Net loans and leases to total assets | 62.8668% | 3,706 |
| Net loans and leases to deposits | 71.5974% | 4,186 |
| Net loans and leases to core deposits | 72.1868% | 4,789 |
| Total domestic deposits to total assets | 87.8060% | 2,275 |
| Equity capital to assets | 11.2209% | 2,747 |
| Core capital (leverage) ratio | 11.0713% | 2,191 |
| Tier 1 risk-based capital ratio | 15.7546% | 3,103 |
| Total risk-based capital ratio | 17.0130% | 3,079 |
| Memoranda: | ||
| Average total assets | $45,647,000 | 6,603 |
| Average earning assets | $41,492,330 | 6,584 |
| Average equity | $5,102,670 | 6,503 |
| Average total loans | $30,935,330 | 6,245 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 5,000 |
| Cost of funding earning assets | 1.0131% | 4,103 |
| Net interest margin | 3.5752% | 4,684 |
| Noninterest income to average assets | 0.3359% | 5,220 |
| Noninterest expense to average assets | 3.4301% | 2,194 |
| Loan and lease loss provision to assets | 2.4312% | 210 |
| Net operating income to assets | -2.2809% | 7,317 |
| Return on assets (ROA) | -2.2809% | 7,316 |
| Pretax return on assets | -2.2809% | 7,296 |
| Return on Equity (ROE) | -20.4437% | 7,223 |
| Retained earnings to average equity (ytd only) | -20.4437% | 7,161 |
| Net charge-offs to loans | 1.6903% | 781 |
| Credit loss provision to net charge-offs | 206.7669% | 1,439 |
| Earnings coverage of net charge-offs (x) | 0.1278% | 4,504 |
| Efficiency ratio | 95.8025% | 930 |
| Assets per employee ($millions) | 2.5239% | 6,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 2,105 |
| Loan loss allowance to noncurrent loans | 49.8102% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 5.5272% | 1,094 |
| Noncurrent loans to loans | 4.2899% | 1,660 |
| Net loans and leases to total assets | 66.1325% | 2,977 |
| Net loans and leases to deposits | 75.0331% | 3,578 |
| Net loans and leases to core deposits | 75.6642% | 4,346 |
| Total domestic deposits to total assets | 88.1378% | 2,297 |
| Equity capital to assets | 10.8343% | 2,850 |
| Core capital (leverage) ratio | 10.6279% | 2,484 |
| Tier 1 risk-based capital ratio | 14.7105% | 3,605 |
| Total risk-based capital ratio | 15.9685% | 3,556 |
| Memoranda: | ||
| Average total assets | $45,246,000 | 6,660 |
| Average earning assets | $41,060,500 | 6,644 |
| Average equity | $5,048,000 | 6,543 |
| Average total loans | $31,473,000 | 6,269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 5,491 |
| Cost of funding earning assets | 1.1697% | 4,732 |
| Net interest margin | 3.6098% | 4,771 |
| Noninterest income to average assets | 0.5613% | 3,736 |
| Noninterest expense to average assets | 4.3727% | 748 |
| Loan and lease loss provision to assets | 0.2959% | 4,431 |
| Net operating income to assets | -0.8310% | 6,593 |
| Return on assets (ROA) | -0.8310% | 6,620 |
| Pretax return on assets | -0.8310% | 6,531 |
| Return on Equity (ROE) | -7.1120% | 6,563 |
| Retained earnings to average equity (ytd only) | -7.1120% | 6,463 |
| Net charge-offs to loans | 0.2252% | 4,936 |
| Credit loss provision to net charge-offs | 188.8889% | 1,710 |
| Earnings coverage of net charge-offs (x) | -3.4167% | 6,750 |
| Efficiency ratio | 113.9456% | 476 |
| Assets per employee ($millions) | 2.3717% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 3,584 |
| Loan loss allowance to noncurrent loans | 70.4514% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 4.2830% | 1,556 |
| Noncurrent loans to loans | 2.2669% | 3,255 |
| Net loans and leases to total assets | 70.4163% | 2,430 |
| Net loans and leases to deposits | 80.5274% | 3,069 |
| Net loans and leases to core deposits | 81.2095% | 4,021 |
| Total domestic deposits to total assets | 87.4440% | 2,584 |
| Equity capital to assets | 11.4820% | 2,272 |
| Core capital (leverage) ratio | 11.2147% | 2,003 |
| Tier 1 risk-based capital ratio | 14.9122% | 3,300 |
| Total risk-based capital ratio | 16.1609% | 3,252 |
| Memoranda: | ||
| Average total assets | $45,967,000 | 6,665 |
| Average earning assets | $41,719,200 | 6,649 |
| Average equity | $5,371,200 | 6,544 |
| Average total loans | $31,970,000 | 6,319 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 5,343 |
| Cost of funding earning assets | 1.2031% | 4,853 |
| Net interest margin | 3.6792% | 4,506 |
| Noninterest income to average assets | 0.3146% | 5,634 |
| Noninterest expense to average assets | 4.4103% | 657 |
| Loan and lease loss provision to assets | 0.1732% | 5,309 |
| Net operating income to assets | -0.9323% | 6,864 |
| Return on assets (ROA) | -0.9323% | 6,906 |
| Pretax return on assets | -0.9323% | 6,823 |
| Return on Equity (ROE) | -7.9450% | 6,830 |
| Retained earnings to average equity (ytd only) | -7.9450% | 6,765 |
| Net charge-offs to loans | -0.0251% | 7,381 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7905% | 383 |
| Assets per employee ($millions) | 3.0039% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 3,427 |
| Loan loss allowance to noncurrent loans | 78.4522% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 4.4387% | 1,530 |
| Noncurrent loans to loans | 2.0706% | 3,599 |
| Net loans and leases to total assets | 69.4860% | 2,854 |
| Net loans and leases to deposits | 79.6484% | 3,514 |
| Net loans and leases to core deposits | 80.3248% | 4,473 |
| Total domestic deposits to total assets | 87.2409% | 2,402 |
| Equity capital to assets | 11.7027% | 2,354 |
| Core capital (leverage) ratio | 11.3449% | 2,040 |
| Tier 1 risk-based capital ratio | 15.2214% | 3,141 |
| Total risk-based capital ratio | 16.4753% | 3,114 |
| Memoranda: | ||
| Average total assets | $46,193,250 | 6,732 |
| Average earning assets | $41,891,750 | 6,729 |
| Average equity | $5,420,500 | 6,611 |
| Average total loans | $31,901,000 | 6,401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 5,558 |
| Cost of funding earning assets | 1.2339% | 4,937 |
| Net interest margin | 3.6309% | 4,685 |
| Noninterest income to average assets | 0.2791% | 5,919 |
| Noninterest expense to average assets | 4.1742% | 839 |
| Loan and lease loss provision to assets | 0.2577% | 4,359 |
| Net operating income to assets | -0.8546% | 6,886 |
| Return on assets (ROA) | -0.8546% | 6,900 |
| Pretax return on assets | -0.8546% | 6,818 |
| Return on Equity (ROE) | -7.2765% | 6,854 |
| Retained earnings to average equity (ytd only) | -7.2765% | 6,762 |
| Net charge-offs to loans | -0.0188% | 7,274 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6867% | 455 |
| Assets per employee ($millions) | 2.7204% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 3,392 |
| Loan loss allowance to noncurrent loans | 131.4578% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 3.7668% | 1,855 |
| Noncurrent loans to loans | 1.2266% | 4,914 |
| Net loans and leases to total assets | 67.8156% | 3,417 |
| Net loans and leases to deposits | 77.7230% | 4,037 |
| Net loans and leases to core deposits | 78.3599% | 4,882 |
| Total domestic deposits to total assets | 87.2530% | 2,402 |
| Equity capital to assets | 11.6745% | 2,300 |
| Core capital (leverage) ratio | 11.2278% | 2,082 |
| Tier 1 risk-based capital ratio | 15.3032% | 3,007 |
| Total risk-based capital ratio | 16.5549% | 2,966 |
| Memoranda: | ||
| Average total assets | $46,571,670 | 6,774 |
| Average earning assets | $42,303,670 | 6,764 |
| Average equity | $5,469,670 | 6,626 |
| Average total loans | $31,926,000 | 6,441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 5,596 |
| Cost of funding earning assets | 1.2535% | 5,093 |
| Net interest margin | 3.6193% | 4,633 |
| Noninterest income to average assets | 0.2739% | 5,962 |
| Noninterest expense to average assets | 4.0998% | 900 |
| Loan and lease loss provision to assets | 0.5135% | 2,445 |
| Net operating income to assets | -1.0528% | 7,137 |
| Return on assets (ROA) | -1.0528% | 7,157 |
| Pretax return on assets | -1.0528% | 7,074 |
| Return on Equity (ROE) | -8.9373% | 7,094 |
| Retained earnings to average equity (ytd only) | -8.9373% | 6,893 |
| Net charge-offs to loans | -0.0250% | 7,133 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1442% | 511 |
| Assets per employee ($millions) | 2.7468% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 3,426 |
| Loan loss allowance to noncurrent loans | 133.9426% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 3.7134% | 1,883 |
| Noncurrent loans to loans | 1.1972% | 4,965 |
| Net loans and leases to total assets | 67.4105% | 3,526 |
| Net loans and leases to deposits | 77.2409% | 4,181 |
| Net loans and leases to core deposits | 77.8677% | 5,036 |
| Total domestic deposits to total assets | 87.2730% | 2,483 |
| Equity capital to assets | 11.6627% | 2,258 |
| Core capital (leverage) ratio | 11.5310% | 1,893 |
| Tier 1 risk-based capital ratio | 15.3965% | 2,921 |
| Total risk-based capital ratio | 16.6495% | 2,875 |
| Memoranda: | ||
| Average total assets | $46,734,500 | 6,851 |
| Average earning assets | $42,439,500 | 6,838 |
| Average equity | $5,505,000 | 6,672 |
| Average total loans | $31,951,000 | 6,526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 6,610 |
| Cost of funding earning assets | 1.6170% | 4,956 |
| Net interest margin | 3.3256% | 5,635 |
| Noninterest income to average assets | 0.3769% | 5,398 |
| Noninterest expense to average assets | 3.5976% | 2,152 |
| Loan and lease loss provision to assets | 0.4390% | 4,198 |
| Net operating income to assets | -0.6296% | 6,297 |
| Return on assets (ROA) | -0.6296% | 6,295 |
| Pretax return on assets | -0.6253% | 6,116 |
| Return on Equity (ROE) | -5.0007% | 6,212 |
| Retained earnings to average equity (ytd only) | -5.0007% | 6,021 |
| Net charge-offs to loans | 0.5965% | 3,426 |
| Credit loss provision to net charge-offs | 107.8947% | 5,133 |
| Earnings coverage of net charge-offs (x) | -0.4579% | 6,664 |
| Efficiency ratio | 105.4614% | 919 |
| Assets per employee ($millions) | 2.7514% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 4,160 |
| Loan loss allowance to noncurrent loans | 116.5375% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 3.7158% | 1,794 |
| Noncurrent loans to loans | 1.2127% | 4,929 |
| Net loans and leases to total assets | 67.2610% | 3,868 |
| Net loans and leases to deposits | 77.3391% | 4,495 |
| Net loans and leases to core deposits | 88.9379% | 5,232 |
| Total domestic deposits to total assets | 86.9690% | 2,529 |
| Equity capital to assets | 11.8958% | 2,086 |
| Core capital (leverage) ratio | 11.7694% | 1,773 |
| Tier 1 risk-based capital ratio | 15.8693% | 2,582 |
| Total risk-based capital ratio | 17.1202% | 2,511 |
| Memoranda: | ||
| Average total assets | $46,698,000 | 6,837 |
| Average earning assets | $42,608,800 | 6,834 |
| Average equity | $5,879,200 | 6,643 |
| Average total loans | $31,851,200 | 6,531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 7,060 |
| Cost of funding earning assets | 1.7014% | 4,892 |
| Net interest margin | 3.1243% | 6,247 |
| Noninterest income to average assets | 0.2914% | 6,149 |
| Noninterest expense to average assets | 2.9106% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2285% | 5,060 |
| Return on assets (ROA) | 0.2285% | 5,145 |
| Pretax return on assets | 0.2342% | 5,218 |
| Return on Equity (ROE) | 1.7902% | 5,234 |
| Retained earnings to average equity (ytd only) | 1.7902% | 4,313 |
| Net charge-offs to loans | 0.8083% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.4249% | 5,605 |
| Efficiency ratio | 92.5522% | 1,495 |
| Assets per employee ($millions) | 2.7249% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 7,248 |
| Loan loss allowance to noncurrent loans | 29.0323% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 4.7234% | 1,265 |
| Noncurrent loans to loans | 2.5991% | 2,905 |
| Net loans and leases to total assets | 68.9960% | 3,711 |
| Net loans and leases to deposits | 80.2335% | 4,344 |
| Net loans and leases to core deposits | 93.0668% | 5,125 |
| Total domestic deposits to total assets | 85.9940% | 2,708 |
| Equity capital to assets | 12.8575% | 1,755 |
| Core capital (leverage) ratio | 12.4151% | 1,613 |
| Tier 1 risk-based capital ratio | 16.9200% | 2,301 |
| Total risk-based capital ratio | 17.6208% | 2,427 |
| Memoranda: | ||
| Average total assets | $46,679,250 | 6,889 |
| Average earning assets | $42,632,000 | 6,886 |
| Average equity | $5,958,000 | 6,674 |
| Average total loans | $31,836,250 | 6,572 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 7,183 |
| Cost of funding earning assets | 1.7605% | 4,948 |
| Net interest margin | 3.0633% | 6,356 |
| Noninterest income to average assets | 0.2863% | 6,216 |
| Noninterest expense to average assets | 2.9916% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0897% | 5,594 |
| Return on assets (ROA) | 0.0897% | 5,694 |
| Pretax return on assets | 0.0983% | 5,682 |
| Return on Equity (ROE) | 0.7049% | 5,724 |
| Retained earnings to average equity (ytd only) | 0.7049% | 4,909 |
| Net charge-offs to loans | 1.1036% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.1314% | 5,538 |
| Efficiency ratio | 96.8188% | 1,321 |
| Assets per employee ($millions) | 2.6361% | 6,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 7,074 |
| Loan loss allowance to noncurrent loans | 44.5392% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.7914% | 1,605 |
| Noncurrent loans to loans | 1.8475% | 3,739 |
| Net loans and leases to total assets | 66.2950% | 4,512 |
| Net loans and leases to deposits | 76.8575% | 5,045 |
| Net loans and leases to core deposits | 89.1108% | 5,620 |
| Total domestic deposits to total assets | 86.2571% | 2,650 |
| Equity capital to assets | 12.5395% | 1,905 |
| Core capital (leverage) ratio | 12.3370% | 1,676 |
| Tier 1 risk-based capital ratio | 16.8715% | 2,338 |
| Total risk-based capital ratio | 17.6296% | 2,438 |
| Memoranda: | ||
| Average total assets | $46,798,000 | 6,947 |
| Average earning assets | $42,829,000 | 6,934 |
| Average equity | $5,958,670 | 6,733 |
| Average total loans | $31,713,670 | 6,628 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 6,907 |
| Cost of funding earning assets | 1.7447% | 5,384 |
| Net interest margin | 3.2643% | 5,646 |
| Noninterest income to average assets | 0.3271% | 5,832 |
| Noninterest expense to average assets | 2.7457% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5595% | 4,186 |
| Return on assets (ROA) | 0.5595% | 4,369 |
| Pretax return on assets | 0.5767% | 4,824 |
| Return on Equity (ROE) | 4.3602% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.3602% | 3,495 |
| Net charge-offs to loans | -0.0252% | 7,501 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6425% | 2,458 |
| Assets per employee ($millions) | 2.7607% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,657 |
| Loan loss allowance to noncurrent loans | 77.7975% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.6123% | 2,195 |
| Noncurrent loans to loans | 1.7642% | 3,619 |
| Net loans and leases to total assets | 67.0651% | 4,328 |
| Net loans and leases to deposits | 77.9374% | 4,931 |
| Net loans and leases to core deposits | 90.2612% | 5,528 |
| Total domestic deposits to total assets | 86.0500% | 2,686 |
| Equity capital to assets | 12.7610% | 1,851 |
| Core capital (leverage) ratio | 12.6963% | 1,602 |
| Tier 1 risk-based capital ratio | 17.2133% | 2,263 |
| Total risk-based capital ratio | 18.4634% | 2,208 |
| Memoranda: | ||
| Average total assets | $46,472,000 | 7,013 |
| Average earning assets | $42,643,000 | 6,991 |
| Average equity | $5,963,000 | 6,778 |
| Average total loans | $31,711,500 | 6,666 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8699% | 6,182 |
| Cost of funding earning assets | 2.1902% | 5,641 |
| Net interest margin | 3.6798% | 4,552 |
| Noninterest income to average assets | 0.3270% | 6,105 |
| Noninterest expense to average assets | 3.2930% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3822% | 5,219 |
| Return on assets (ROA) | 0.3822% | 5,036 |
| Pretax return on assets | 0.3907% | 5,285 |
| Return on Equity (ROE) | 2.9671% | 5,247 |
| Retained earnings to average equity (ytd only) | -2.1429% | 5,912 |
| Net charge-offs to loans | 0.1095% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.5758% | 3,601 |
| Efficiency ratio | 89.3948% | 1,568 |
| Assets per employee ($millions) | 2.7066% | 6,772 |
| Cash dividends to net income (ytd only)* | 172.2222% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 3,298 |
| Loan loss allowance to noncurrent loans | 92.7660% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 2.7102% | 1,742 |
| Noncurrent loans to loans | 1.4916% | 3,563 |
| Net loans and leases to total assets | 67.5346% | 4,548 |
| Net loans and leases to deposits | 78.6823% | 5,246 |
| Net loans and leases to core deposits | 92.0275% | 5,636 |
| Total domestic deposits to total assets | 85.8320% | 2,480 |
| Equity capital to assets | 12.9032% | 1,829 |
| Core capital (leverage) ratio | 12.6354% | 1,693 |
| Tier 1 risk-based capital ratio | 17.3087% | 2,230 |
| Total risk-based capital ratio | 18.5590% | 2,180 |
| Memoranda: | ||
| Average total assets | $47,099,400 | 6,898 |
| Average earning assets | $42,964,800 | 6,903 |
| Average equity | $6,066,600 | 6,779 |
| Average total loans | $30,145,600 | 6,699 |