Home > The First State Bank of Rosemount > Performance and Condition Ratios
The First State Bank of Rosemount, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 3,703 |
| Cost of funding earning assets | 0.9066% | 3,509 |
| Net interest margin | 3.2530% | 2,749 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.5972% | 2,014 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4746% | 3,724 |
| Return on assets (ROA) | 0.4746% | 3,721 |
| Pretax return on assets | 0.6399% | 3,563 |
| Return on Equity (ROE) | 10.6700% | 2,319 |
| Retained earnings to average equity (ytd only) | 7.5770% | 1,676 |
| Net charge-offs to loans | 0.2705% | 394 |
| Credit loss provision to net charge-offs | 46.5608% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.1640% | 2,604 |
| Efficiency ratio | 78.2356% | 1,049 |
| Assets per employee ($millions) | 9.5249% | 826 |
| Cash dividends to net income (ytd only)* | 29.0135% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 3,970 |
| Loan loss allowance to noncurrent loans | 55.8288% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 521 |
| Noncurrent loans to loans | 1.4273% | 489 |
| Net loans and leases to total assets | 66.7700% | 2,173 |
| Net loans and leases to deposits | 70.3621% | 2,865 |
| Net loans and leases to core deposits | 77.1987% | 2,903 |
| Total domestic deposits to total assets | 94.8900% | 62 |
| Equity capital to assets | 4.9178% | 4,428 |
| Core capital (leverage) ratio | 8.3310% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8325% | 2,292 |
| Memoranda: | ||
| Average total assets | $108,926,400 | 3,751 |
| Average earning assets | $102,582,400 | 3,720 |
| Average equity | $4,843,600 | 4,274 |
| Average total loans | $69,864,000 | 3,551 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,774 |
| Cost of funding earning assets | 0.8471% | 3,408 |
| Net interest margin | 3.1952% | 2,928 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.5753% | 2,018 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5118% | 3,740 |
| Return on assets (ROA) | 0.5118% | 3,734 |
| Pretax return on assets | 0.6544% | 3,633 |
| Return on Equity (ROE) | 11.8400% | 2,166 |
| Retained earnings to average equity (ytd only) | 7.5422% | 2,129 |
| Net charge-offs to loans | 0.3759% | 230 |
| Credit loss provision to net charge-offs | 30.2083% | 1,972 |
| Earnings coverage of net charge-offs (x) | 3.0625% | 2,449 |
| Efficiency ratio | 77.9445% | 1,015 |
| Assets per employee ($millions) | 9.0921% | 899 |
| Cash dividends to net income (ytd only)* | 36.3196% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 3,938 |
| Loan loss allowance to noncurrent loans | 31.0032% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 187 |
| Noncurrent loans to loans | 2.6535% | 178 |
| Net loans and leases to total assets | 64.2000% | 2,421 |
| Net loans and leases to deposits | 66.8247% | 3,062 |
| Net loans and leases to core deposits | 69.6342% | 3,224 |
| Total domestic deposits to total assets | 96.0700% | 75 |
| Equity capital to assets | 3.7771% | 4,422 |
| Core capital (leverage) ratio | 8.3581% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4965% | 2,077 |
| Memoranda: | ||
| Average total assets | $107,583,250 | 3,778 |
| Average earning assets | $101,357,500 | 3,744 |
| Average equity | $4,649,250 | 4,303 |
| Average total loans | $68,098,250 | 3,591 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,791 |
| Cost of funding earning assets | 0.7756% | 3,279 |
| Net interest margin | 3.1720% | 3,053 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.6112% | 1,899 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.5211% | 3,764 |
| Return on assets (ROA) | 0.5211% | 3,772 |
| Pretax return on assets | 0.6500% | 3,703 |
| Return on Equity (ROE) | 11.5600% | 2,283 |
| Retained earnings to average equity (ytd only) | 5.3468% | 2,841 |
| Net charge-offs to loans | 0.5620% | 146 |
| Credit loss provision to net charge-offs | 14.8148% | 1,785 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 78.7162% | 947 |
| Assets per employee ($millions) | 8.9578% | 921 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 4,032 |
| Loan loss allowance to noncurrent loans | 21.7289% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.3676% | 105 |
| Noncurrent loans to loans | 3.6676% | 105 |
| Net loans and leases to total assets | 64.0400% | 2,379 |
| Net loans and leases to deposits | 67.1384% | 2,981 |
| Net loans and leases to core deposits | 70.0238% | 3,130 |
| Total domestic deposits to total assets | 95.3800% | 76 |
| Equity capital to assets | 4.5026% | 4,443 |
| Core capital (leverage) ratio | 8.3439% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0295% | 2,616 |
| Memoranda: | ||
| Average total assets | $107,076,000 | 3,798 |
| Average earning assets | $100,820,000 | 3,766 |
| Average equity | $4,825,333 | 4,304 |
| Average total loans | $67,256,333 | 3,608 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 2,693 |
| Cost of funding earning assets | 0.2862% | 2,991 |
| Net interest margin | 3.3497% | 2,424 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.5388% | 1,997 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6901% | 3,642 |
| Return on assets (ROA) | 0.7087% | 3,540 |
| Pretax return on assets | 0.9009% | 3,351 |
| Return on Equity (ROE) | 13.7800% | 1,581 |
| Retained earnings to average equity (ytd only) | 13.7835% | 412 |
| Net charge-offs to loans | -0.0639% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.9093% | 1,341 |
| Assets per employee ($millions) | 8.8343% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,599 |
| Loan loss allowance to noncurrent loans | 45.1193% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3046% | 273 |
| Noncurrent loans to loans | 2.1064% | 256 |
| Net loans and leases to total assets | 61.3500% | 2,512 |
| Net loans and leases to deposits | 64.4648% | 3,003 |
| Net loans and leases to core deposits | 67.0875% | 3,065 |
| Total domestic deposits to total assets | 95.1600% | 129 |
| Equity capital to assets | 4.3627% | 4,475 |
| Core capital (leverage) ratio | 8.4364% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1884% | 2,293 |
| Memoranda: | ||
| Average total assets | $106,114,600 | 3,876 |
| Average earning assets | $99,920,600 | 3,838 |
| Average equity | $5,455,800 | 4,389 |
| Average total loans | $61,052,000 | 3,706 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 2,369 |
| Cost of funding earning assets | 0.2043% | 3,217 |
| Net interest margin | 3.3880% | 2,013 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.4608% | 2,123 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7314% | 3,477 |
| Return on assets (ROA) | 0.7562% | 3,347 |
| Pretax return on assets | 0.9534% | 3,167 |
| Return on Equity (ROE) | 14.1700% | 1,381 |
| Retained earnings to average equity (ytd only) | 14.1723% | 442 |
| Net charge-offs to loans | -0.1046% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.4182% | 1,598 |
| Assets per employee ($millions) | 8.1628% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,601 |
| Loan loss allowance to noncurrent loans | 41.6044% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 262 |
| Noncurrent loans to loans | 2.3387% | 237 |
| Net loans and leases to total assets | 58.7000% | 2,625 |
| Net loans and leases to deposits | 63.7618% | 2,885 |
| Net loans and leases to core deposits | 64.1691% | 3,098 |
| Total domestic deposits to total assets | 92.0600% | 859 |
| Equity capital to assets | 3.6027% | 4,533 |
| Core capital (leverage) ratio | 8.1666% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1433% | 2,409 |
| Memoranda: | ||
| Average total assets | $106,140,250 | 3,896 |
| Average earning assets | $99,840,500 | 3,865 |
| Average equity | $5,663,500 | 4,401 |
| Average total loans | $59,900,500 | 3,748 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 2,535 |
| Cost of funding earning assets | 0.1540% | 3,523 |
| Net interest margin | 3.2089% | 2,158 |
| Noninterest income to average assets | 0.2204% | 3,877 |
| Noninterest expense to average assets | 2.3722% | 2,331 |
| Loan and lease loss provision to assets | 0.0942% | 1,057 |
| Net operating income to assets | 0.6180% | 3,578 |
| Return on assets (ROA) | 0.6557% | 3,407 |
| Pretax return on assets | 0.8234% | 3,268 |
| Return on Equity (ROE) | 11.0881% | 1,951 |
| Retained earnings to average equity (ytd only) | 11.0881% | 771 |
| Net charge-offs to loans | 0.0238% | 1,245 |
| Credit loss provision to net charge-offs | 714.2857% | 509 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,038 |
| Efficiency ratio | 73.1551% | 1,601 |
| Assets per employee ($millions) | 8.1337% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 3,881 |
| Loan loss allowance to noncurrent loans | 44.2597% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 355 |
| Noncurrent loans to loans | 2.0879% | 306 |
| Net loans and leases to total assets | 56.6807% | 2,680 |
| Net loans and leases to deposits | 59.7639% | 3,067 |
| Net loans and leases to core deposits | 60.1930% | 3,257 |
| Total domestic deposits to total assets | 94.8410% | 160 |
| Equity capital to assets | 4.6483% | 4,539 |
| Core capital (leverage) ratio | 7.7838% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9646% | 2,515 |
| Memoranda: | ||
| Average total assets | $106,148,333 | 3,935 |
| Average earning assets | $99,972,000 | 3,917 |
| Average equity | $6,277,000 | 4,387 |
| Average total loans | $58,901,000 | 3,805 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2267% | 2,609 |
| Cost of funding earning assets | 0.1239% | 3,850 |
| Net interest margin | 3.1027% | 2,170 |
| Noninterest income to average assets | 0.2031% | 3,947 |
| Noninterest expense to average assets | 2.3243% | 2,408 |
| Loan and lease loss provision to assets | 0.1128% | 741 |
| Net operating income to assets | 0.5454% | 3,578 |
| Return on assets (ROA) | 0.6206% | 3,308 |
| Pretax return on assets | 0.7785% | 3,178 |
| Return on Equity (ROE) | 9.4855% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.4855% | 1,149 |
| Net charge-offs to loans | -0.0275% | 4,045 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4578% | 1,692 |
| Assets per employee ($millions) | 8.3446% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 3,953 |
| Loan loss allowance to noncurrent loans | 42.8571% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 372 |
| Noncurrent loans to loans | 2.1731% | 314 |
| Net loans and leases to total assets | 53.8339% | 2,782 |
| Net loans and leases to deposits | 57.1128% | 3,164 |
| Net loans and leases to core deposits | 57.5139% | 3,348 |
| Total domestic deposits to total assets | 94.2588% | 90 |
| Equity capital to assets | 5.5383% | 4,655 |
| Core capital (leverage) ratio | 7.7952% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6631% | 2,357 |
| Memoranda: | ||
| Average total assets | $106,353,500 | 3,951 |
| Average earning assets | $100,040,500 | 3,934 |
| Average equity | $6,958,000 | 4,364 |
| Average total loans | $58,105,500 | 3,826 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 1,500 |
| Cost of funding earning assets | 0.1020% | 4,371 |
| Net interest margin | 3.8445% | 930 |
| Noninterest income to average assets | 0.2956% | 3,630 |
| Noninterest expense to average assets | 2.7353% | 1,528 |
| Loan and lease loss provision to assets | 0.1178% | 1,066 |
| Net operating income to assets | 0.6852% | 3,664 |
| Return on assets (ROA) | 0.7325% | 3,598 |
| Pretax return on assets | 1.0131% | 3,227 |
| Return on Equity (ROE) | 9.5555% | 2,702 |
| Retained earnings to average equity (ytd only) | 9.5555% | 1,032 |
| Net charge-offs to loans | -0.0296% | 4,119 |
| Credit loss provision to net charge-offs | -647.0588% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8627% | 1,526 |
| Assets per employee ($millions) | 8.0175% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,065 |
| Loan loss allowance to noncurrent loans | 162.9747% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 2,023 |
| Noncurrent loans to loans | 0.5518% | 1,744 |
| Net loans and leases to total assets | 54.4465% | 2,794 |
| Net loans and leases to deposits | 59.0252% | 3,166 |
| Net loans and leases to core deposits | 59.4656% | 3,358 |
| Total domestic deposits to total assets | 92.2429% | 127 |
| Equity capital to assets | 7.5873% | 4,556 |
| Core capital (leverage) ratio | 8.0832% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3902% | 2,084 |
| Memoranda: | ||
| Average total assets | $93,372,800 | 4,065 |
| Average earning assets | $85,265,200 | 4,068 |
| Average equity | $7,158,200 | 4,411 |
| Average total loans | $57,481,600 | 3,860 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 1,075 |
| Cost of funding earning assets | 0.1041% | 4,463 |
| Net interest margin | 4.1203% | 627 |
| Noninterest income to average assets | 0.3059% | 3,601 |
| Noninterest expense to average assets | 2.8002% | 1,340 |
| Loan and lease loss provision to assets | 0.1324% | 868 |
| Net operating income to assets | 0.7909% | 3,548 |
| Return on assets (ROA) | 0.8559% | 3,435 |
| Pretax return on assets | 1.1809% | 2,989 |
| Return on Equity (ROE) | 11.1320% | 2,331 |
| Retained earnings to average equity (ytd only) | 11.1320% | 1,030 |
| Net charge-offs to loans | -0.0301% | 4,134 |
| Credit loss provision to net charge-offs | -692.3077% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4637% | 1,662 |
| Assets per employee ($millions) | 7.5765% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 4,296 |
| Loan loss allowance to noncurrent loans | 170.4861% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 2,310 |
| Noncurrent loans to loans | 0.4899% | 2,083 |
| Net loans and leases to total assets | 59.1857% | 2,355 |
| Net loans and leases to deposits | 64.4621% | 2,805 |
| Net loans and leases to core deposits | 64.9736% | 3,047 |
| Total domestic deposits to total assets | 91.8148% | 162 |
| Equity capital to assets | 8.0167% | 4,515 |
| Core capital (leverage) ratio | 8.1864% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7545% | 2,063 |
| Memoranda: | ||
| Average total assets | $90,659,250 | 4,140 |
| Average earning assets | $81,966,250 | 4,156 |
| Average equity | $6,970,750 | 4,488 |
| Average total loans | $57,536,250 | 3,914 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 655 |
| Cost of funding earning assets | 0.0998% | 4,586 |
| Net interest margin | 4.4683% | 378 |
| Noninterest income to average assets | 0.3044% | 3,612 |
| Noninterest expense to average assets | 2.7940% | 1,368 |
| Loan and lease loss provision to assets | 0.1363% | 899 |
| Net operating income to assets | 1.0358% | 2,769 |
| Return on assets (ROA) | 1.0358% | 2,847 |
| Pretax return on assets | 1.4424% | 2,208 |
| Return on Equity (ROE) | 13.6889% | 1,508 |
| Retained earnings to average equity (ytd only) | 13.6889% | 600 |
| Net charge-offs to loans | -0.0245% | 4,070 |
| Credit loss provision to net charge-offs | -857.1429% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8961% | 2,445 |
| Assets per employee ($millions) | 7.1482% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,414 |
| Loan loss allowance to noncurrent loans | 84.9162% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 1,448 |
| Noncurrent loans to loans | 0.9071% | 1,367 |
| Net loans and leases to total assets | 63.2137% | 2,041 |
| Net loans and leases to deposits | 69.2190% | 2,492 |
| Net loans and leases to core deposits | 69.8046% | 2,805 |
| Total domestic deposits to total assets | 91.3243% | 276 |
| Equity capital to assets | 8.4939% | 4,209 |
| Core capital (leverage) ratio | 8.5867% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7391% | 2,076 |
| Memoranda: | ||
| Average total assets | $88,047,333 | 4,197 |
| Average earning assets | $80,165,000 | 4,204 |
| Average equity | $6,662,333 | 4,552 |
| Average total loans | $57,119,667 | 3,950 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 655 |
| Cost of funding earning assets | 0.1016% | 4,634 |
| Net interest margin | 4.5060% | 350 |
| Noninterest income to average assets | 0.3317% | 3,440 |
| Noninterest expense to average assets | 2.8035% | 1,360 |
| Loan and lease loss provision to assets | 0.1402% | 955 |
| Net operating income to assets | 1.1588% | 2,302 |
| Return on assets (ROA) | 1.1588% | 2,370 |
| Pretax return on assets | 1.5326% | 1,907 |
| Return on Equity (ROE) | 16.4048% | 943 |
| Retained earnings to average equity (ytd only) | 16.4048% | 476 |
| Net charge-offs to loans | -0.0285% | 4,148 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6305% | 2,651 |
| Assets per employee ($millions) | 6.7864% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 4,497 |
| Loan loss allowance to noncurrent loans | 106.2814% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 2,038 |
| Noncurrent loans to loans | 0.7004% | 1,839 |
| Net loans and leases to total assets | 63.9323% | 2,052 |
| Net loans and leases to deposits | 68.6494% | 2,629 |
| Net loans and leases to core deposits | 69.2495% | 2,940 |
| Total domestic deposits to total assets | 93.1288% | 27 |
| Equity capital to assets | 6.8100% | 4,876 |
| Core capital (leverage) ratio | 7.1887% | 4,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2291% | 2,887 |
| Memoranda: | ||
| Average total assets | $85,608,000 | 4,236 |
| Average earning assets | $78,739,000 | 4,237 |
| Average equity | $6,047,000 | 4,636 |
| Average total loans | $56,080,500 | 3,987 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 1,518 |
| Cost of funding earning assets | 0.1287% | 4,791 |
| Net interest margin | 4.2924% | 515 |
| Noninterest income to average assets | 0.3532% | 3,354 |
| Noninterest expense to average assets | 2.9446% | 1,559 |
| Loan and lease loss provision to assets | 0.3671% | 904 |
| Net operating income to assets | 0.7788% | 3,173 |
| Return on assets (ROA) | 0.8558% | 3,016 |
| Pretax return on assets | 1.1077% | 2,660 |
| Return on Equity (ROE) | 11.8809% | 1,355 |
| Retained earnings to average equity (ytd only) | 11.8809% | 330 |
| Net charge-offs to loans | 0.4438% | 376 |
| Credit loss provision to net charge-offs | 126.0870% | 2,585 |
| Earnings coverage of net charge-offs (x) | 4.7304% | 2,946 |
| Efficiency ratio | 68.1312% | 2,224 |
| Assets per employee ($millions) | 6.3841% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 4,589 |
| Loan loss allowance to noncurrent loans | 96.0396% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 2,103 |
| Noncurrent loans to loans | 0.7301% | 1,881 |
| Net loans and leases to total assets | 66.2068% | 2,075 |
| Net loans and leases to deposits | 71.5391% | 2,726 |
| Net loans and leases to core deposits | 72.2075% | 3,059 |
| Total domestic deposits to total assets | 92.5464% | 32 |
| Equity capital to assets | 7.3331% | 4,871 |
| Core capital (leverage) ratio | 6.9975% | 4,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0784% | 2,903 |
| Memoranda: | ||
| Average total assets | $78,992,200 | 4,255 |
| Average earning assets | $73,036,200 | 4,253 |
| Average equity | $5,689,800 | 4,677 |
| Average total loans | $51,830,000 | 4,072 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 1,173 |
| Cost of funding earning assets | 0.1371% | 4,837 |
| Net interest margin | 4.5185% | 357 |
| Noninterest income to average assets | 0.3146% | 3,608 |
| Noninterest expense to average assets | 2.9626% | 1,521 |
| Loan and lease loss provision to assets | 0.4616% | 679 |
| Net operating income to assets | 0.8188% | 3,022 |
| Return on assets (ROA) | 0.8445% | 3,056 |
| Pretax return on assets | 1.0907% | 2,777 |
| Return on Equity (ROE) | 11.7811% | 1,435 |
| Retained earnings to average equity (ytd only) | 11.7811% | 462 |
| Net charge-offs to loans | 0.1361% | 1,062 |
| Credit loss provision to net charge-offs | 519.2308% | 1,261 |
| Earnings coverage of net charge-offs (x) | 17.0962% | 2,033 |
| Efficiency ratio | 66.0946% | 2,458 |
| Assets per employee ($millions) | 6.4338% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,809 |
| Loan loss allowance to noncurrent loans | 128.1030% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 2,159 |
| Noncurrent loans to loans | 0.7595% | 1,909 |
| Net loans and leases to total assets | 66.5603% | 2,441 |
| Net loans and leases to deposits | 71.7585% | 3,153 |
| Net loans and leases to core deposits | 72.4223% | 3,442 |
| Total domestic deposits to total assets | 92.7559% | 18 |
| Equity capital to assets | 7.1473% | 4,928 |
| Core capital (leverage) ratio | 6.8793% | 4,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4406% | 2,808 |
| Memoranda: | ||
| Average total assets | $77,992,000 | 4,274 |
| Average earning assets | $71,939,500 | 4,278 |
| Average equity | $5,590,750 | 4,710 |
| Average total loans | $50,953,750 | 4,115 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 826 |
| Cost of funding earning assets | 0.1475% | 4,888 |
| Net interest margin | 4.8520% | 263 |
| Noninterest income to average assets | 0.3311% | 3,488 |
| Noninterest expense to average assets | 3.0877% | 1,378 |
| Loan and lease loss provision to assets | 0.6307% | 488 |
| Net operating income to assets | 0.8409% | 2,894 |
| Return on assets (ROA) | 0.8803% | 2,884 |
| Pretax return on assets | 1.1589% | 2,502 |
| Return on Equity (ROE) | 12.2673% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.2673% | 426 |
| Net charge-offs to loans | 0.2236% | 697 |
| Credit loss provision to net charge-offs | 436.3636% | 1,333 |
| Earnings coverage of net charge-offs (x) | 12.0364% | 2,076 |
| Efficiency ratio | 63.9630% | 2,832 |
| Assets per employee ($millions) | 6.2969% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 3,882 |
| Loan loss allowance to noncurrent loans | 110.0858% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 2,094 |
| Noncurrent loans to loans | 0.8440% | 1,806 |
| Net loans and leases to total assets | 66.8202% | 2,517 |
| Net loans and leases to deposits | 71.8976% | 3,270 |
| Net loans and leases to core deposits | 72.5759% | 3,553 |
| Total domestic deposits to total assets | 92.9379% | 17 |
| Equity capital to assets | 7.0279% | 4,971 |
| Core capital (leverage) ratio | 6.8081% | 5,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7831% | 3,020 |
| Memoranda: | ||
| Average total assets | $76,109,333 | 4,305 |
| Average earning assets | $70,527,000 | 4,302 |
| Average equity | $5,461,667 | 4,750 |
| Average total loans | $49,199,000 | 4,161 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,529 |
| Cost of funding earning assets | 0.1863% | 4,915 |
| Net interest margin | 3.9129% | 1,629 |
| Noninterest income to average assets | 0.3769% | 3,254 |
| Noninterest expense to average assets | 3.1515% | 1,524 |
| Loan and lease loss provision to assets | 0.0983% | 2,451 |
| Net operating income to assets | 0.5680% | 3,690 |
| Return on assets (ROA) | 0.6500% | 3,506 |
| Pretax return on assets | 0.9012% | 3,139 |
| Return on Equity (ROE) | 8.9541% | 2,131 |
| Retained earnings to average equity (ytd only) | 8.9541% | 989 |
| Net charge-offs to loans | -0.0173% | 4,285 |
| Credit loss provision to net charge-offs | -900.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8677% | 1,354 |
| Assets per employee ($millions) | 5.7149% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 4,557 |
| Loan loss allowance to noncurrent loans | 69.9597% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 1,996 |
| Noncurrent loans to loans | 1.0468% | 1,588 |
| Net loans and leases to total assets | 63.3120% | 3,148 |
| Net loans and leases to deposits | 68.3767% | 3,705 |
| Net loans and leases to core deposits | 69.0908% | 3,934 |
| Total domestic deposits to total assets | 92.5929% | 20 |
| Equity capital to assets | 7.3573% | 5,047 |
| Core capital (leverage) ratio | 6.9844% | 5,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2501% | 3,288 |
| Memoranda: | ||
| Average total assets | $73,234,000 | 4,356 |
| Average earning assets | $68,695,500 | 4,340 |
| Average equity | $5,316,000 | 4,801 |
| Average total loans | $46,192,500 | 4,228 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,579 |
| Cost of funding earning assets | 0.2620% | 4,821 |
| Net interest margin | 3.5246% | 3,362 |
| Noninterest income to average assets | 0.4400% | 3,054 |
| Noninterest expense to average assets | 3.0427% | 1,904 |
| Loan and lease loss provision to assets | 0.0763% | 2,463 |
| Net operating income to assets | 0.4371% | 4,525 |
| Return on assets (ROA) | 0.4261% | 4,578 |
| Pretax return on assets | 0.5747% | 4,456 |
| Return on Equity (ROE) | 6.2943% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.2943% | 1,722 |
| Net charge-offs to loans | 0.0786% | 1,976 |
| Credit loss provision to net charge-offs | 177.4194% | 1,468 |
| Earnings coverage of net charge-offs (x) | 15.4516% | 2,231 |
| Efficiency ratio | 82.0666% | 795 |
| Assets per employee ($millions) | 5.5518% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 4,512 |
| Loan loss allowance to noncurrent loans | 62.8352% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7233% | 1,794 |
| Noncurrent loans to loans | 1.1600% | 1,307 |
| Net loans and leases to total assets | 61.8963% | 3,410 |
| Net loans and leases to deposits | 66.7150% | 3,915 |
| Net loans and leases to core deposits | 67.4279% | 4,111 |
| Total domestic deposits to total assets | 92.7772% | 17 |
| Equity capital to assets | 7.1577% | 5,129 |
| Core capital (leverage) ratio | 6.9107% | 5,147 |
| Tier 1 risk-based capital ratio | 10.7364% | 4,952 |
| Total risk-based capital ratio | 11.4441% | 5,034 |
| Memoranda: | ||
| Average total assets | $72,041,200 | 4,393 |
| Average earning assets | $66,788,200 | 4,395 |
| Average equity | $4,877,400 | 4,899 |
| Average total loans | $39,455,600 | 4,414 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,747 |
| Cost of funding earning assets | 0.2732% | 4,863 |
| Net interest margin | 3.4585% | 3,706 |
| Noninterest income to average assets | 0.4407% | 3,076 |
| Noninterest expense to average assets | 2.9977% | 1,988 |
| Loan and lease loss provision to assets | 0.0833% | 2,241 |
| Net operating income to assets | 0.4201% | 4,687 |
| Return on assets (ROA) | 0.4055% | 4,741 |
| Pretax return on assets | 0.5296% | 4,655 |
| Return on Equity (ROE) | 6.0765% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.0765% | 2,334 |
| Net charge-offs to loans | 0.1226% | 1,281 |
| Credit loss provision to net charge-offs | 128.5714% | 1,840 |
| Earnings coverage of net charge-offs (x) | 9.7420% | 2,550 |
| Efficiency ratio | 82.6020% | 714 |
| Assets per employee ($millions) | 6.0221% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 4,426 |
| Loan loss allowance to noncurrent loans | 61.7357% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 1,949 |
| Noncurrent loans to loans | 1.2847% | 1,209 |
| Net loans and leases to total assets | 54.1784% | 4,167 |
| Net loans and leases to deposits | 58.3079% | 4,462 |
| Net loans and leases to core deposits | 58.9266% | 4,568 |
| Total domestic deposits to total assets | 92.9177% | 11 |
| Equity capital to assets | 7.0034% | 5,224 |
| Core capital (leverage) ratio | 6.8402% | 5,225 |
| Tier 1 risk-based capital ratio | 11.6215% | 4,607 |
| Total risk-based capital ratio | 12.3707% | 4,746 |
| Memoranda: | ||
| Average total assets | $72,008,000 | 4,452 |
| Average earning assets | $66,384,750 | 4,452 |
| Average equity | $4,805,250 | 4,971 |
| Average total loans | $38,069,250 | 4,505 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 4,871 |
| Cost of funding earning assets | 0.2854% | 4,858 |
| Net interest margin | 3.3736% | 3,974 |
| Noninterest income to average assets | 0.4116% | 3,201 |
| Noninterest expense to average assets | 3.0116% | 1,975 |
| Loan and lease loss provision to assets | 0.0695% | 2,431 |
| Net operating income to assets | 0.2869% | 4,890 |
| Return on assets (ROA) | 0.2781% | 4,914 |
| Pretax return on assets | 0.4421% | 4,771 |
| Return on Equity (ROE) | 4.2373% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.2373% | 3,133 |
| Net charge-offs to loans | 0.1755% | 930 |
| Credit loss provision to net charge-offs | 75.7576% | 2,264 |
| Earnings coverage of net charge-offs (x) | 5.6970% | 2,626 |
| Efficiency ratio | 85.2085% | 586 |
| Assets per employee ($millions) | 6.0968% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 4,572 |
| Loan loss allowance to noncurrent loans | 57.1705% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 1,942 |
| Noncurrent loans to loans | 1.3347% | 1,167 |
| Net loans and leases to total assets | 52.4378% | 4,328 |
| Net loans and leases to deposits | 56.2704% | 4,581 |
| Net loans and leases to core deposits | 56.8558% | 4,686 |
| Total domestic deposits to total assets | 93.1890% | 10 |
| Equity capital to assets | 6.7509% | 5,279 |
| Core capital (leverage) ratio | 6.6397% | 5,273 |
| Tier 1 risk-based capital ratio | 10.9356% | 4,942 |
| Total risk-based capital ratio | 11.6179% | 5,070 |
| Memoranda: | ||
| Average total assets | $71,922,330 | 4,487 |
| Average earning assets | $66,576,000 | 4,489 |
| Average equity | $4,720,000 | 5,014 |
| Average total loans | $37,604,000 | 4,555 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 4,918 |
| Cost of funding earning assets | 0.2998% | 4,847 |
| Net interest margin | 3.3405% | 4,060 |
| Noninterest income to average assets | 0.4263% | 3,003 |
| Noninterest expense to average assets | 2.9452% | 2,146 |
| Loan and lease loss provision to assets | 0.0841% | 2,015 |
| Net operating income to assets | 0.3599% | 4,814 |
| Return on assets (ROA) | 0.3422% | 4,858 |
| Pretax return on assets | 0.4376% | 4,792 |
| Return on Equity (ROE) | 5.2923% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.2923% | 2,779 |
| Net charge-offs to loans | 0.3776% | 412 |
| Credit loss provision to net charge-offs | 42.8571% | 2,011 |
| Earnings coverage of net charge-offs (x) | 2.7714% | 2,463 |
| Efficiency ratio | 84.4051% | 682 |
| Assets per employee ($millions) | 5.8700% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,644 |
| Loan loss allowance to noncurrent loans | 67.2209% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,283 |
| Noncurrent loans to loans | 1.1278% | 1,480 |
| Net loans and leases to total assets | 52.5923% | 4,298 |
| Net loans and leases to deposits | 56.4227% | 4,578 |
| Net loans and leases to core deposits | 57.0289% | 4,676 |
| Total domestic deposits to total assets | 93.2112% | 19 |
| Equity capital to assets | 6.7220% | 5,322 |
| Core capital (leverage) ratio | 6.5769% | 5,335 |
| Tier 1 risk-based capital ratio | 11.2390% | 4,868 |
| Total risk-based capital ratio | 11.9231% | 5,020 |
| Memoranda: | ||
| Average total assets | $71,303,000 | 4,545 |
| Average earning assets | $65,380,000 | 4,554 |
| Average equity | $4,610,500 | 5,072 |
| Average total loans | $37,076,500 | 4,615 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 4,949 |
| Cost of funding earning assets | 0.2594% | 4,760 |
| Net interest margin | 3.2080% | 4,469 |
| Noninterest income to average assets | 0.4223% | 3,296 |
| Noninterest expense to average assets | 3.0225% | 1,999 |
| Loan and lease loss provision to assets | 0.0057% | 4,002 |
| Net operating income to assets | 0.2536% | 5,056 |
| Return on assets (ROA) | 0.2536% | 5,050 |
| Pretax return on assets | 0.3032% | 5,039 |
| Return on Equity (ROE) | 4.1311% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.1311% | 3,286 |
| Net charge-offs to loans | 0.0465% | 2,502 |
| Credit loss provision to net charge-offs | 25.0000% | 3,377 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 2,438 |
| Efficiency ratio | 90.7274% | 316 |
| Assets per employee ($millions) | 6.0138% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,451 |
| Loan loss allowance to noncurrent loans | 65.3017% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 2,114 |
| Noncurrent loans to loans | 1.2600% | 1,263 |
| Net loans and leases to total assets | 50.6069% | 4,485 |
| Net loans and leases to deposits | 54.8133% | 4,714 |
| Net loans and leases to core deposits | 55.3902% | 4,798 |
| Total domestic deposits to total assets | 92.3260% | 55 |
| Equity capital to assets | 6.2162% | 5,374 |
| Core capital (leverage) ratio | 6.5577% | 5,372 |
| Tier 1 risk-based capital ratio | 11.2238% | 4,851 |
| Total risk-based capital ratio | 11.9682% | 4,994 |
| Memoranda: | ||
| Average total assets | $70,570,200 | 4,575 |
| Average earning assets | $63,996,400 | 4,593 |
| Average equity | $4,333,000 | 5,132 |
| Average total loans | $34,405,000 | 4,704 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4038% | 5,030 |
| Cost of funding earning assets | 0.2499% | 4,784 |
| Net interest margin | 3.1540% | 4,610 |
| Noninterest income to average assets | 0.3743% | 3,636 |
| Noninterest expense to average assets | 2.9413% | 2,187 |
| Loan and lease loss provision to assets | 0.0076% | 3,823 |
| Net operating income to assets | 0.2242% | 5,184 |
| Return on assets (ROA) | 0.2242% | 5,179 |
| Pretax return on assets | 0.2793% | 5,157 |
| Return on Equity (ROE) | 3.6633% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.6633% | 3,938 |
| Net charge-offs to loans | 0.0434% | 2,229 |
| Credit loss provision to net charge-offs | 36.3636% | 2,936 |
| Earnings coverage of net charge-offs (x) | 13.7239% | 2,333 |
| Efficiency ratio | 91.1124% | 298 |
| Assets per employee ($millions) | 5.3726% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,299 |
| Loan loss allowance to noncurrent loans | 64.5094% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 2,146 |
| Noncurrent loans to loans | 1.3810% | 1,206 |
| Net loans and leases to total assets | 49.2197% | 4,646 |
| Net loans and leases to deposits | 52.4479% | 4,875 |
| Net loans and leases to core deposits | 53.0051% | 4,937 |
| Total domestic deposits to total assets | 93.8449% | 16 |
| Equity capital to assets | 6.0936% | 5,446 |
| Core capital (leverage) ratio | 6.4698% | 5,446 |
| Tier 1 risk-based capital ratio | 11.6272% | 4,723 |
| Total risk-based capital ratio | 12.4251% | 4,859 |
| Memoranda: | ||
| Average total assets | $70,171,250 | 4,625 |
| Average earning assets | $63,495,500 | 4,644 |
| Average equity | $4,294,750 | 5,207 |
| Average total loans | $33,800,250 | 4,772 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3621% | 5,080 |
| Cost of funding earning assets | 0.2411% | 4,794 |
| Net interest margin | 3.1211% | 4,686 |
| Noninterest income to average assets | 0.3870% | 3,571 |
| Noninterest expense to average assets | 3.0108% | 2,015 |
| Loan and lease loss provision to assets | 0.0114% | 3,627 |
| Net operating income to assets | 0.1394% | 5,268 |
| Return on assets (ROA) | 0.1394% | 5,261 |
| Pretax return on assets | 0.1651% | 5,260 |
| Return on Equity (ROE) | 2.2750% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.2750% | 4,371 |
| Net charge-offs to loans | 0.0597% | 1,751 |
| Credit loss provision to net charge-offs | 40.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,650 |
| Efficiency ratio | 94.4643% | 249 |
| Assets per employee ($millions) | 5.4752% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,315 |
| Loan loss allowance to noncurrent loans | 60.3516% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 2,079 |
| Noncurrent loans to loans | 1.4994% | 1,118 |
| Net loans and leases to total assets | 47.5420% | 4,746 |
| Net loans and leases to deposits | 50.5595% | 4,964 |
| Net loans and leases to core deposits | 51.0831% | 5,016 |
| Total domestic deposits to total assets | 94.0318% | 15 |
| Equity capital to assets | 5.9162% | 5,508 |
| Core capital (leverage) ratio | 6.3430% | 5,510 |
| Tier 1 risk-based capital ratio | 10.9276% | 5,093 |
| Total risk-based capital ratio | 11.6926% | 5,197 |
| Memoranda: | ||
| Average total assets | $70,280,330 | 4,678 |
| Average earning assets | $63,055,670 | 4,710 |
| Average equity | $4,307,670 | 5,258 |
| Average total loans | $33,505,000 | 4,820 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2322% | 5,206 |
| Cost of funding earning assets | 0.2159% | 4,924 |
| Net interest margin | 3.0163% | 4,857 |
| Noninterest income to average assets | 0.3781% | 3,603 |
| Noninterest expense to average assets | 3.0416% | 1,967 |
| Loan and lease loss provision to assets | 0.0229% | 3,229 |
| Net operating income to assets | 0.0344% | 5,364 |
| Return on assets (ROA) | 0.0344% | 5,361 |
| Pretax return on assets | 0.0344% | 5,368 |
| Return on Equity (ROE) | 0.5510% | 5,347 |
| Retained earnings to average equity (ytd only) | 0.5510% | 4,723 |
| Net charge-offs to loans | 0.0121% | 2,317 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,926 |
| Efficiency ratio | 98.1516% | 205 |
| Assets per employee ($millions) | 5.4320% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 4,217 |
| Loan loss allowance to noncurrent loans | 59.2179% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 2,052 |
| Noncurrent loans to loans | 1.6042% | 1,085 |
| Net loans and leases to total assets | 46.9525% | 4,757 |
| Net loans and leases to deposits | 50.0083% | 4,958 |
| Net loans and leases to core deposits | 50.3073% | 5,034 |
| Total domestic deposits to total assets | 93.8895% | 19 |
| Equity capital to assets | 6.0624% | 5,569 |
| Core capital (leverage) ratio | 6.3538% | 5,562 |
| Tier 1 risk-based capital ratio | 11.0660% | 5,103 |
| Total risk-based capital ratio | 11.8729% | 5,215 |
| Memoranda: | ||
| Average total assets | $69,832,000 | 4,741 |
| Average earning assets | $62,990,500 | 4,772 |
| Average equity | $4,356,000 | 5,306 |
| Average total loans | $33,183,500 | 4,885 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0503% | 5,326 |
| Cost of funding earning assets | 0.1840% | 5,064 |
| Net interest margin | 2.8664% | 5,086 |
| Noninterest income to average assets | 0.3414% | 4,026 |
| Noninterest expense to average assets | 2.9306% | 2,347 |
| Loan and lease loss provision to assets | 0.0805% | 2,593 |
| Net operating income to assets | -0.0175% | 5,377 |
| Return on assets (ROA) | -0.0167% | 5,380 |
| Pretax return on assets | -0.0305% | 5,451 |
| Return on Equity (ROE) | -0.2599% | 5,387 |
| Retained earnings to average equity (ytd only) | -0.2599% | 5,071 |
| Net charge-offs to loans | 0.0501% | 2,788 |
| Credit loss provision to net charge-offs | 386.6667% | 784 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,756 |
| Efficiency ratio | 98.3698% | 197 |
| Assets per employee ($millions) | 5.3237% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 4,831 |
| Loan loss allowance to noncurrent loans | 39.8792% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 1,620 |
| Noncurrent loans to loans | 2.0059% | 761 |
| Net loans and leases to total assets | 47.3038% | 4,810 |
| Net loans and leases to deposits | 50.6710% | 5,039 |
| Net loans and leases to core deposits | 50.6710% | 5,112 |
| Total domestic deposits to total assets | 93.3548% | 25 |
| Equity capital to assets | 6.5975% | 5,608 |
| Core capital (leverage) ratio | 6.0827% | 5,631 |
| Tier 1 risk-based capital ratio | 11.6574% | 4,746 |
| Total risk-based capital ratio | 12.3426% | 4,974 |
| Memoranda: | ||
| Average total assets | $72,066,000 | 4,746 |
| Average earning assets | $66,321,200 | 4,737 |
| Average equity | $4,616,600 | 5,332 |
| Average total loans | $29,934,000 | 5,028 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9670% | 5,434 |
| Cost of funding earning assets | 0.1751% | 5,162 |
| Net interest margin | 2.7919% | 5,230 |
| Noninterest income to average assets | 0.3242% | 4,218 |
| Noninterest expense to average assets | 2.8065% | 2,702 |
| Loan and lease loss provision to assets | 0.0568% | 2,953 |
| Net operating income to assets | 0.0279% | 5,489 |
| Return on assets (ROA) | 0.0311% | 5,498 |
| Pretax return on assets | 0.0348% | 5,495 |
| Return on Equity (ROE) | 0.4897% | 5,479 |
| Retained earnings to average equity (ytd only) | 0.4897% | 5,110 |
| Net charge-offs to loans | 0.0229% | 3,001 |
| Credit loss provision to net charge-offs | 620.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 9.5952% | 2,677 |
| Efficiency ratio | 96.9620% | 230 |
| Assets per employee ($millions) | 5.7718% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 4,868 |
| Loan loss allowance to noncurrent loans | 42.2222% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 2,185 |
| Noncurrent loans to loans | 1.9139% | 908 |
| Net loans and leases to total assets | 40.4076% | 5,184 |
| Net loans and leases to deposits | 43.1612% | 5,331 |
| Net loans and leases to core deposits | 43.1612% | 5,384 |
| Total domestic deposits to total assets | 93.6201% | 17 |
| Equity capital to assets | 6.3332% | 5,694 |
| Core capital (leverage) ratio | 5.9773% | 5,698 |
| Tier 1 risk-based capital ratio | 12.3995% | 4,377 |
| Total risk-based capital ratio | 13.0752% | 4,618 |
| Memoranda: | ||
| Average total assets | $72,780,500 | 4,777 |
| Average earning assets | $67,001,250 | 4,774 |
| Average equity | $4,629,250 | 5,387 |
| Average total loans | $29,167,000 | 5,100 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9487% | 5,476 |
| Cost of funding earning assets | 0.1663% | 5,232 |
| Net interest margin | 2.7824% | 5,271 |
| Noninterest income to average assets | 0.2666% | 4,631 |
| Noninterest expense to average assets | 2.8905% | 2,455 |
| Loan and lease loss provision to assets | 0.0444% | 3,102 |
| Net operating income to assets | -0.0905% | 5,586 |
| Return on assets (ROA) | -0.0861% | 5,586 |
| Pretax return on assets | -0.1083% | 5,583 |
| Return on Equity (ROE) | -1.3513% | 5,598 |
| Retained earnings to average equity (ytd only) | -1.3513% | 5,269 |
| Net charge-offs to loans | 0.0209% | 2,806 |
| Credit loss provision to net charge-offs | 533.3333% | 626 |
| Earnings coverage of net charge-offs (x) | -8.3333% | 3,474 |
| Efficiency ratio | 102.4606% | 166 |
| Assets per employee ($millions) | 5.4235% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 4,952 |
| Loan loss allowance to noncurrent loans | 42.6230% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 2,262 |
| Noncurrent loans to loans | 1.8769% | 933 |
| Net loans and leases to total assets | 41.1559% | 5,184 |
| Net loans and leases to deposits | 44.1082% | 5,335 |
| Net loans and leases to core deposits | 44.1082% | 5,397 |
| Total domestic deposits to total assets | 93.3069% | 21 |
| Equity capital to assets | 6.6506% | 5,729 |
| Core capital (leverage) ratio | 6.4825% | 5,732 |
| Tier 1 risk-based capital ratio | 12.4840% | 4,314 |
| Total risk-based capital ratio | 13.1370% | 4,601 |
| Memoranda: | ||
| Average total assets | $72,029,670 | 4,821 |
| Average earning assets | $66,130,670 | 4,828 |
| Average equity | $4,588,330 | 5,429 |
| Average total loans | $28,700,670 | 5,150 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8260% | 5,583 |
| Cost of funding earning assets | 0.1596% | 5,304 |
| Net interest margin | 2.6664% | 5,426 |
| Noninterest income to average assets | 0.2363% | 4,850 |
| Noninterest expense to average assets | 2.6377% | 3,352 |
| Loan and lease loss provision to assets | 0.0879% | 2,074 |
| Net operating income to assets | -0.0385% | 5,627 |
| Return on assets (ROA) | -0.0385% | 5,632 |
| Pretax return on assets | -0.0110% | 5,606 |
| Return on Equity (ROE) | -0.6170% | 5,646 |
| Retained earnings to average equity (ytd only) | -0.6170% | 5,018 |
| Net charge-offs to loans | 0.0281% | 2,190 |
| Credit loss provision to net charge-offs | 800.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,177 |
| Efficiency ratio | 97.1660% | 289 |
| Assets per employee ($millions) | 5.4952% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 5,042 |
| Loan loss allowance to noncurrent loans | 42.6497% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 2,372 |
| Noncurrent loans to loans | 1.8943% | 962 |
| Net loans and leases to total assets | 40.3875% | 5,236 |
| Net loans and leases to deposits | 43.1916% | 5,385 |
| Net loans and leases to core deposits | 43.1916% | 5,438 |
| Total domestic deposits to total assets | 93.5077% | 24 |
| Equity capital to assets | 6.4531% | 5,794 |
| Core capital (leverage) ratio | 6.3678% | 5,799 |
| Tier 1 risk-based capital ratio | 12.4297% | 4,426 |
| Total risk-based capital ratio | 13.0774% | 4,739 |
| Memoranda: | ||
| Average total assets | $72,792,000 | 4,855 |
| Average earning assets | $67,657,000 | 4,839 |
| Average equity | $4,538,000 | 5,493 |
| Average total loans | $28,425,500 | 5,207 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7951% | 5,646 |
| Cost of funding earning assets | 0.1557% | 5,378 |
| Net interest margin | 2.6394% | 5,484 |
| Noninterest income to average assets | 0.4318% | 3,667 |
| Noninterest expense to average assets | 2.5360% | 3,897 |
| Loan and lease loss provision to assets | 0.1392% | 1,791 |
| Net operating income to assets | 0.1885% | 5,440 |
| Return on assets (ROA) | 0.1885% | 5,490 |
| Pretax return on assets | 0.2363% | 5,445 |
| Return on Equity (ROE) | 2.7741% | 5,220 |
| Retained earnings to average equity (ytd only) | 2.7741% | 3,927 |
| Net charge-offs to loans | 0.8399% | 235 |
| Credit loss provision to net charge-offs | 45.6221% | 3,430 |
| Earnings coverage of net charge-offs (x) | 1.2304% | 4,018 |
| Efficiency ratio | 87.1014% | 746 |
| Assets per employee ($millions) | 5.7106% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5223% | 5,639 |
| Loan loss allowance to noncurrent loans | 75.1295% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 4,252 |
| Noncurrent loans to loans | 0.6951% | 2,805 |
| Net loans and leases to total assets | 37.2033% | 5,438 |
| Net loans and leases to deposits | 39.6580% | 5,559 |
| Net loans and leases to core deposits | 39.6580% | 5,606 |
| Total domestic deposits to total assets | 93.8104% | 25 |
| Equity capital to assets | 6.1397% | 5,852 |
| Core capital (leverage) ratio | 6.3221% | 5,847 |
| Tier 1 risk-based capital ratio | 13.2819% | 3,908 |
| Total risk-based capital ratio | 13.6975% | 4,300 |
| Memoranda: | ||
| Average total assets | $71,095,200 | 4,911 |
| Average earning assets | $66,796,200 | 4,873 |
| Average equity | $4,830,400 | 5,492 |
| Average total loans | $25,837,200 | 5,321 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8411% | 5,700 |
| Cost of funding earning assets | 0.1558% | 5,447 |
| Net interest margin | 2.6853% | 5,508 |
| Noninterest income to average assets | 0.3129% | 4,529 |
| Noninterest expense to average assets | 2.5373% | 3,874 |
| Loan and lease loss provision to assets | 0.0740% | 2,741 |
| Net operating income to assets | 0.1745% | 5,508 |
| Return on assets (ROA) | 0.1745% | 5,569 |
| Pretax return on assets | 0.2181% | 5,543 |
| Return on Equity (ROE) | 2.5040% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.5040% | 4,417 |
| Net charge-offs to loans | 0.2840% | 804 |
| Credit loss provision to net charge-offs | 72.2222% | 2,757 |
| Earnings coverage of net charge-offs (x) | 2.8518% | 3,508 |
| Efficiency ratio | 89.6783% | 580 |
| Assets per employee ($millions) | 6.1300% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 4,560 |
| Loan loss allowance to noncurrent loans | 32.9787% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 2,019 |
| Noncurrent loans to loans | 2.9422% | 523 |
| Net loans and leases to total assets | 34.4086% | 5,607 |
| Net loans and leases to deposits | 37.0120% | 5,703 |
| Net loans and leases to core deposits | 37.0120% | 5,738 |
| Total domestic deposits to total assets | 92.9663% | 37 |
| Equity capital to assets | 6.8665% | 5,898 |
| Core capital (leverage) ratio | 6.3145% | 5,917 |
| Tier 1 risk-based capital ratio | 13.9738% | 3,570 |
| Total risk-based capital ratio | 14.7301% | 3,783 |
| Memoranda: | ||
| Average total assets | $70,309,500 | 4,969 |
| Average earning assets | $65,888,750 | 4,934 |
| Average equity | $4,898,500 | 5,542 |
| Average total loans | $25,355,500 | 5,392 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8538% | 5,770 |
| Cost of funding earning assets | 0.1521% | 5,535 |
| Net interest margin | 2.7017% | 5,567 |
| Noninterest income to average assets | 0.3178% | 4,506 |
| Noninterest expense to average assets | 2.6955% | 3,411 |
| Loan and lease loss provision to assets | 0.0838% | 2,465 |
| Net operating income to assets | 0.0809% | 5,688 |
| Return on assets (ROA) | 0.0809% | 5,728 |
| Pretax return on assets | 0.1040% | 5,722 |
| Return on Equity (ROE) | 1.1552% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.1552% | 4,917 |
| Net charge-offs to loans | 0.4350% | 519 |
| Credit loss provision to net charge-offs | 52.7273% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 3,444 |
| Efficiency ratio | 93.4870% | 432 |
| Assets per employee ($millions) | 5.6068% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,922 |
| Loan loss allowance to noncurrent loans | 73.3746% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 3,610 |
| Noncurrent loans to loans | 1.2415% | 1,849 |
| Net loans and leases to total assets | 38.3163% | 5,501 |
| Net loans and leases to deposits | 41.4097% | 5,640 |
| Net loans and leases to core deposits | 41.4097% | 5,698 |
| Total domestic deposits to total assets | 92.5299% | 50 |
| Equity capital to assets | 7.4269% | 5,926 |
| Core capital (leverage) ratio | 6.4970% | 5,974 |
| Tier 1 risk-based capital ratio | 14.4940% | 3,323 |
| Total risk-based capital ratio | 15.2566% | 3,517 |
| Memoranda: | ||
| Average total assets | $69,226,000 | 5,042 |
| Average earning assets | $65,737,000 | 4,987 |
| Average equity | $4,847,670 | 5,606 |
| Average total loans | $25,287,670 | 5,452 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8516% | 5,823 |
| Cost of funding earning assets | 0.1504% | 5,609 |
| Net interest margin | 2.7012% | 5,617 |
| Noninterest income to average assets | 0.3020% | 4,567 |
| Noninterest expense to average assets | 2.6667% | 3,529 |
| Loan and lease loss provision to assets | 0.1652% | 1,251 |
| Net operating income to assets | 0.0456% | 5,750 |
| Return on assets (ROA) | 0.0456% | 5,784 |
| Pretax return on assets | 0.0285% | 5,794 |
| Return on Equity (ROE) | 0.6704% | 5,749 |
| Retained earnings to average equity (ytd only) | 0.6704% | 4,948 |
| Net charge-offs to loans | 0.8988% | 218 |
| Credit loss provision to net charge-offs | 51.7857% | 2,035 |
| Earnings coverage of net charge-offs (x) | 0.6071% | 2,907 |
| Efficiency ratio | 93.2271% | 488 |
| Assets per employee ($millions) | 5.3489% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 4,870 |
| Loan loss allowance to noncurrent loans | 71.5152% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 3,697 |
| Noncurrent loans to loans | 1.3231% | 1,806 |
| Net loans and leases to total assets | 35.5298% | 5,655 |
| Net loans and leases to deposits | 38.2156% | 5,771 |
| Net loans and leases to core deposits | 38.2156% | 5,816 |
| Total domestic deposits to total assets | 92.9720% | 45 |
| Equity capital to assets | 6.9834% | 6,008 |
| Core capital (leverage) ratio | 6.6246% | 6,022 |
| Tier 1 risk-based capital ratio | 14.5541% | 3,367 |
| Total risk-based capital ratio | 15.3161% | 3,579 |
| Memoranda: | ||
| Average total assets | $70,198,000 | 5,066 |
| Average earning assets | $66,488,000 | 5,011 |
| Average equity | $4,773,000 | 5,659 |
| Average total loans | $24,923,000 | 5,510 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8821% | 5,828 |
| Cost of funding earning assets | 0.1440% | 5,720 |
| Net interest margin | 2.7380% | 5,610 |
| Noninterest income to average assets | 0.3717% | 4,253 |
| Noninterest expense to average assets | 2.8858% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0350% | 5,839 |
| Return on assets (ROA) | 0.0363% | 5,868 |
| Pretax return on assets | 0.0438% | 5,853 |
| Return on Equity (ROE) | 0.5131% | 5,837 |
| Retained earnings to average equity (ytd only) | 0.5131% | 5,313 |
| Net charge-offs to loans | 0.2441% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.5091% | 4,219 |
| Efficiency ratio | 98.5552% | 319 |
| Assets per employee ($millions) | 5.0614% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,281 |
| Loan loss allowance to noncurrent loans | 66.5823% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 3,423 |
| Noncurrent loans to loans | 1.5861% | 1,448 |
| Net loans and leases to total assets | 34.7742% | 5,747 |
| Net loans and leases to deposits | 37.2564% | 5,859 |
| Net loans and leases to core deposits | 37.2564% | 5,898 |
| Total domestic deposits to total assets | 93.3376% | 40 |
| Equity capital to assets | 6.6187% | 6,087 |
| Core capital (leverage) ratio | 6.5040% | 6,094 |
| Tier 1 risk-based capital ratio | 14.2999% | 3,548 |
| Total risk-based capital ratio | 15.1418% | 3,704 |
| Memoranda: | ||
| Average total assets | $66,186,000 | 5,176 |
| Average earning assets | $61,796,200 | 5,131 |
| Average equity | $4,677,200 | 5,725 |
| Average total loans | $22,532,400 | 5,633 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9326% | 5,867 |
| Cost of funding earning assets | 0.1399% | 5,850 |
| Net interest margin | 2.7927% | 5,593 |
| Noninterest income to average assets | 0.3814% | 4,206 |
| Noninterest expense to average assets | 2.9386% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0246% | 5,916 |
| Return on assets (ROA) | 0.0267% | 5,953 |
| Pretax return on assets | 0.0246% | 5,949 |
| Return on Equity (ROE) | 0.3708% | 5,941 |
| Retained earnings to average equity (ytd only) | 0.3708% | 5,512 |
| Net charge-offs to loans | 0.3585% | 733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.1865% | 3,975 |
| Efficiency ratio | 99.2382% | 316 |
| Assets per employee ($millions) | 4.4982% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,998 |
| Loan loss allowance to noncurrent loans | 64.6766% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 3,488 |
| Noncurrent loans to loans | 1.7629% | 1,351 |
| Net loans and leases to total assets | 33.4104% | 5,882 |
| Net loans and leases to deposits | 35.9911% | 5,981 |
| Net loans and leases to core deposits | 35.9911% | 6,014 |
| Total domestic deposits to total assets | 92.8297% | 53 |
| Equity capital to assets | 7.1140% | 6,136 |
| Core capital (leverage) ratio | 6.8341% | 6,149 |
| Tier 1 risk-based capital ratio | 14.6281% | 3,482 |
| Total risk-based capital ratio | 15.4827% | 3,643 |
| Memoranda: | ||
| Average total assets | $65,017,500 | 5,271 |
| Average earning assets | $60,060,000 | 5,248 |
| Average equity | $4,674,000 | 5,806 |
| Average total loans | $21,939,500 | 5,719 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8953% | 5,948 |
| Cost of funding earning assets | 0.1333% | 5,962 |
| Net interest margin | 2.7620% | 5,686 |
| Noninterest income to average assets | 0.3925% | 4,136 |
| Noninterest expense to average assets | 2.9035% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0478% | 5,935 |
| Return on assets (ROA) | 0.0498% | 5,974 |
| Pretax return on assets | 0.0748% | 5,955 |
| Return on Equity (ROE) | 0.6908% | 5,941 |
| Retained earnings to average equity (ytd only) | 0.6908% | 5,284 |
| Net charge-offs to loans | 0.6097% | 386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.3485% | 3,670 |
| Efficiency ratio | 97.5916% | 388 |
| Assets per employee ($millions) | 4.1197% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,104 |
| Loan loss allowance to noncurrent loans | 72.8324% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 3,741 |
| Noncurrent loans to loans | 1.5736% | 1,677 |
| Net loans and leases to total assets | 35.1744% | 5,857 |
| Net loans and leases to deposits | 39.1456% | 5,932 |
| Net loans and leases to core deposits | 39.1456% | 5,985 |
| Total domestic deposits to total assets | 89.8552% | 726 |
| Equity capital to assets | 7.5055% | 6,115 |
| Core capital (leverage) ratio | 7.5287% | 6,095 |
| Tier 1 risk-based capital ratio | 15.9286% | 2,889 |
| Total risk-based capital ratio | 16.7658% | 3,044 |
| Memoranda: | ||
| Average total assets | $64,199,000 | 5,339 |
| Average earning assets | $60,029,330 | 5,306 |
| Average equity | $4,632,000 | 5,873 |
| Average total loans | $21,651,670 | 5,783 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8490% | 6,032 |
| Cost of funding earning assets | 0.1395% | 5,999 |
| Net interest margin | 2.7095% | 5,784 |
| Noninterest income to average assets | 0.4037% | 3,979 |
| Noninterest expense to average assets | 3.0397% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0895% | 6,095 |
| Return on assets (ROA) | -0.0856% | 6,118 |
| Pretax return on assets | -0.1346% | 6,133 |
| Return on Equity (ROE) | -1.2098% | 6,137 |
| Retained earnings to average equity (ytd only) | -1.2098% | 5,580 |
| Net charge-offs to loans | 0.2793% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.5333% | 3,193 |
| Efficiency ratio | 104.8523% | 260 |
| Assets per employee ($millions) | 4.2811% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 2,779 |
| Loan loss allowance to noncurrent loans | 60.4374% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 3,155 |
| Noncurrent loans to loans | 2.3673% | 1,037 |
| Net loans and leases to total assets | 32.6144% | 5,978 |
| Net loans and leases to deposits | 35.2379% | 6,083 |
| Net loans and leases to core deposits | 35.2379% | 6,118 |
| Total domestic deposits to total assets | 92.5549% | 87 |
| Equity capital to assets | 7.3984% | 6,203 |
| Core capital (leverage) ratio | 7.3365% | 6,191 |
| Tier 1 risk-based capital ratio | 15.8358% | 2,998 |
| Total risk-based capital ratio | 16.8461% | 3,043 |
| Memoranda: | ||
| Average total assets | $65,401,000 | 5,369 |
| Average earning assets | $60,232,500 | 5,349 |
| Average equity | $4,629,000 | 5,925 |
| Average total loans | $21,483,500 | 5,838 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9107% | 6,125 |
| Cost of funding earning assets | 0.1520% | 6,090 |
| Net interest margin | 2.7587% | 5,862 |
| Noninterest income to average assets | 0.3969% | 4,204 |
| Noninterest expense to average assets | 3.0772% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0494% | 6,124 |
| Return on assets (ROA) | -0.0230% | 6,121 |
| Pretax return on assets | -0.0306% | 6,114 |
| Return on Equity (ROE) | -0.3439% | 6,123 |
| Retained earnings to average equity (ytd only) | -0.3439% | 5,825 |
| Net charge-offs to loans | -0.0097% | 5,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1883% | 324 |
| Assets per employee ($millions) | 4.4390% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 2,628 |
| Loan loss allowance to noncurrent loans | 62.3529% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 3,303 |
| Noncurrent loans to loans | 2.3482% | 1,107 |
| Net loans and leases to total assets | 32.1409% | 6,111 |
| Net loans and leases to deposits | 34.4944% | 6,209 |
| Net loans and leases to core deposits | 34.4944% | 6,230 |
| Total domestic deposits to total assets | 93.1771% | 59 |
| Equity capital to assets | 6.7688% | 6,352 |
| Core capital (leverage) ratio | 6.7712% | 6,341 |
| Tier 1 risk-based capital ratio | 14.9360% | 3,525 |
| Total risk-based capital ratio | 15.9988% | 3,562 |
| Memoranda: | ||
| Average total assets | $65,254,800 | 5,417 |
| Average earning assets | $61,840,600 | 5,347 |
| Average equity | $4,361,200 | 6,020 |
| Average total loans | $20,610,800 | 5,939 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9061% | 6,201 |
| Cost of funding earning assets | 0.1567% | 6,144 |
| Net interest margin | 2.7494% | 5,939 |
| Noninterest income to average assets | 0.4272% | 4,043 |
| Noninterest expense to average assets | 3.1627% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0779% | 6,205 |
| Return on assets (ROA) | -0.0657% | 6,200 |
| Pretax return on assets | -0.0883% | 6,196 |
| Return on Equity (ROE) | -0.9866% | 6,224 |
| Retained earnings to average equity (ytd only) | -0.9866% | 5,962 |
| Net charge-offs to loans | -0.0459% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4251% | 302 |
| Assets per employee ($millions) | 4.2427% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,551 |
| Loan loss allowance to noncurrent loans | 72.0982% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 3,708 |
| Noncurrent loans to loans | 2.1352% | 1,452 |
| Net loans and leases to total assets | 32.4623% | 6,163 |
| Net loans and leases to deposits | 35.1954% | 6,264 |
| Net loans and leases to core deposits | 35.5106% | 6,287 |
| Total domestic deposits to total assets | 92.2344% | 128 |
| Equity capital to assets | 6.9107% | 6,398 |
| Core capital (leverage) ratio | 6.9515% | 6,387 |
| Tier 1 risk-based capital ratio | 15.8284% | 3,142 |
| Total risk-based capital ratio | 16.9381% | 3,161 |
| Memoranda: | ||
| Average total assets | $64,922,250 | 5,486 |
| Average earning assets | $62,121,250 | 5,399 |
| Average equity | $4,324,750 | 6,089 |
| Average total loans | $20,333,750 | 6,012 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8766% | 6,276 |
| Cost of funding earning assets | 0.1602% | 6,196 |
| Net interest margin | 2.7165% | 6,035 |
| Noninterest income to average assets | 0.3826% | 4,386 |
| Noninterest expense to average assets | 3.2165% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1841% | 6,311 |
| Return on assets (ROA) | -0.1653% | 6,305 |
| Pretax return on assets | -0.2142% | 6,322 |
| Return on Equity (ROE) | -2.5114% | 6,352 |
| Retained earnings to average equity (ytd only) | -2.5114% | 6,045 |
| Net charge-offs to loans | -0.0298% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0164% | 257 |
| Assets per employee ($millions) | 4.2743% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 2,617 |
| Loan loss allowance to noncurrent loans | 69.6507% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 3,842 |
| Noncurrent loans to loans | 2.2425% | 1,458 |
| Net loans and leases to total assets | 31.3577% | 6,264 |
| Net loans and leases to deposits | 33.7112% | 6,353 |
| Net loans and leases to core deposits | 34.2399% | 6,370 |
| Total domestic deposits to total assets | 93.0188% | 80 |
| Equity capital to assets | 6.9204% | 6,454 |
| Core capital (leverage) ratio | 7.1117% | 6,411 |
| Tier 1 risk-based capital ratio | 16.1500% | 3,010 |
| Total risk-based capital ratio | 17.2637% | 3,017 |
| Memoranda: | ||
| Average total assets | $65,349,670 | 5,521 |
| Average earning assets | $62,434,000 | 5,440 |
| Average equity | $4,300,330 | 6,138 |
| Average total loans | $20,117,670 | 6,072 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 6,369 |
| Cost of funding earning assets | 0.1591% | 6,301 |
| Net interest margin | 2.6798% | 6,131 |
| Noninterest income to average assets | 0.3517% | 4,562 |
| Noninterest expense to average assets | 3.2137% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2445% | 6,376 |
| Return on assets (ROA) | -0.2062% | 6,362 |
| Pretax return on assets | -0.2607% | 6,371 |
| Return on Equity (ROE) | -3.2136% | 6,414 |
| Retained earnings to average equity (ytd only) | -3.2136% | 5,984 |
| Net charge-offs to loans | -0.0401% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6472% | 256 |
| Assets per employee ($millions) | 4.0789% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 2,708 |
| Loan loss allowance to noncurrent loans | 66.9474% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 3,469 |
| Noncurrent loans to loans | 2.3890% | 1,472 |
| Net loans and leases to total assets | 29.9787% | 6,356 |
| Net loans and leases to deposits | 32.1117% | 6,434 |
| Net loans and leases to core deposits | 32.6045% | 6,444 |
| Total domestic deposits to total assets | 93.3576% | 86 |
| Equity capital to assets | 6.5857% | 6,511 |
| Core capital (leverage) ratio | 7.0631% | 6,454 |
| Tier 1 risk-based capital ratio | 15.6742% | 3,348 |
| Total risk-based capital ratio | 16.7745% | 3,392 |
| Memoranda: | ||
| Average total assets | $65,967,000 | 5,568 |
| Average earning assets | $62,841,000 | 5,478 |
| Average equity | $4,232,000 | 6,198 |
| Average total loans | $19,964,500 | 6,137 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0869% | 6,259 |
| Cost of funding earning assets | 0.2217% | 6,167 |
| Net interest margin | 2.8653% | 5,869 |
| Noninterest income to average assets | 0.3775% | 4,606 |
| Noninterest expense to average assets | 3.2762% | 2,202 |
| Loan and lease loss provision to assets | 0.0998% | 3,137 |
| Net operating income to assets | -0.2044% | 6,368 |
| Return on assets (ROA) | -0.2044% | 6,379 |
| Pretax return on assets | -0.2761% | 6,401 |
| Return on Equity (ROE) | -2.8335% | 6,423 |
| Retained earnings to average equity (ytd only) | -2.8335% | 6,254 |
| Net charge-offs to loans | 0.7787% | 808 |
| Credit loss provision to net charge-offs | 40.7643% | 4,029 |
| Earnings coverage of net charge-offs (x) | -0.7197% | 5,231 |
| Efficiency ratio | 105.6870% | 343 |
| Assets per employee ($millions) | 4.1669% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 2,852 |
| Loan loss allowance to noncurrent loans | 64.8871% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 3,624 |
| Noncurrent loans to loans | 2.4294% | 1,572 |
| Net loans and leases to total assets | 29.5931% | 6,472 |
| Net loans and leases to deposits | 31.5882% | 6,551 |
| Net loans and leases to core deposits | 32.0610% | 6,561 |
| Total domestic deposits to total assets | 93.6839% | 90 |
| Equity capital to assets | 6.2486% | 6,594 |
| Core capital (leverage) ratio | 6.7654% | 6,566 |
| Tier 1 risk-based capital ratio | 15.2164% | 3,536 |
| Total risk-based capital ratio | 16.2977% | 3,581 |
| Memoranda: | ||
| Average total assets | $64,098,600 | 5,647 |
| Average earning assets | $60,901,800 | 5,565 |
| Average equity | $4,623,200 | 6,163 |
| Average total loans | $20,161,200 | 6,194 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1548% | 6,250 |
| Cost of funding earning assets | 0.2348% | 6,190 |
| Net interest margin | 2.9199% | 5,765 |
| Noninterest income to average assets | 0.3824% | 4,659 |
| Noninterest expense to average assets | 3.3072% | 2,062 |
| Loan and lease loss provision to assets | 0.1072% | 2,974 |
| Net operating income to assets | -0.1954% | 6,467 |
| Return on assets (ROA) | -0.1954% | 6,486 |
| Pretax return on assets | -0.2627% | 6,497 |
| Return on Equity (ROE) | -2.6174% | 6,507 |
| Retained earnings to average equity (ytd only) | -2.6174% | 6,325 |
| Net charge-offs to loans | 1.0566% | 537 |
| Credit loss provision to net charge-offs | 31.8750% | 3,859 |
| Earnings coverage of net charge-offs (x) | -0.4625% | 4,946 |
| Efficiency ratio | 104.9333% | 352 |
| Assets per employee ($millions) | 3.9847% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 3,420 |
| Loan loss allowance to noncurrent loans | 59.8000% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 3,346 |
| Noncurrent loans to loans | 2.5236% | 1,711 |
| Net loans and leases to total assets | 30.6078% | 6,512 |
| Net loans and leases to deposits | 32.8862% | 6,598 |
| Net loans and leases to core deposits | 33.4029% | 6,621 |
| Total domestic deposits to total assets | 93.0719% | 119 |
| Equity capital to assets | 6.8418% | 6,585 |
| Core capital (leverage) ratio | 7.4695% | 6,457 |
| Tier 1 risk-based capital ratio | 16.7929% | 2,813 |
| Total risk-based capital ratio | 17.8318% | 2,867 |
| Memoranda: | ||
| Average total assets | $63,455,500 | 5,725 |
| Average earning assets | $60,182,500 | 5,644 |
| Average equity | $4,737,500 | 6,214 |
| Average total loans | $20,190,000 | 6,257 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2313% | 6,191 |
| Cost of funding earning assets | 0.2540% | 6,144 |
| Net interest margin | 2.9773% | 5,621 |
| Noninterest income to average assets | 0.3725% | 4,730 |
| Noninterest expense to average assets | 3.3209% | 2,015 |
| Loan and lease loss provision to assets | 0.0189% | 4,515 |
| Net operating income to assets | -0.1073% | 6,411 |
| Return on assets (ROA) | -0.1073% | 6,455 |
| Pretax return on assets | -0.1547% | 6,465 |
| Return on Equity (ROE) | -1.3984% | 6,488 |
| Retained earnings to average equity (ytd only) | -1.3984% | 6,111 |
| Net charge-offs to loans | 1.6047% | 317 |
| Credit loss provision to net charge-offs | 3.6810% | 3,970 |
| Earnings coverage of net charge-offs (x) | -0.2638% | 4,631 |
| Efficiency ratio | 104.2616% | 379 |
| Assets per employee ($millions) | 3.8257% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 4,613 |
| Loan loss allowance to noncurrent loans | 45.8029% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2808% | 3,202 |
| Noncurrent loans to loans | 2.7887% | 1,628 |
| Net loans and leases to total assets | 31.6936% | 6,522 |
| Net loans and leases to deposits | 34.1886% | 6,603 |
| Net loans and leases to core deposits | 34.7508% | 6,630 |
| Total domestic deposits to total assets | 92.7023% | 156 |
| Equity capital to assets | 7.2046% | 6,542 |
| Core capital (leverage) ratio | 7.7093% | 6,363 |
| Tier 1 risk-based capital ratio | 17.2613% | 2,612 |
| Total risk-based capital ratio | 18.1472% | 2,723 |
| Memoranda: | ||
| Average total assets | $63,355,670 | 5,765 |
| Average earning assets | $59,852,670 | 5,699 |
| Average equity | $4,862,670 | 6,222 |
| Average total loans | $20,315,670 | 6,284 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 6,236 |
| Cost of funding earning assets | 0.2607% | 6,216 |
| Net interest margin | 2.9915% | 5,592 |
| Noninterest income to average assets | 0.3353% | 5,017 |
| Noninterest expense to average assets | 3.4457% | 1,732 |
| Loan and lease loss provision to assets | 0.0186% | 4,233 |
| Net operating income to assets | -0.2111% | 6,525 |
| Return on assets (ROA) | -0.2111% | 6,560 |
| Pretax return on assets | -0.2794% | 6,591 |
| Return on Equity (ROE) | -2.6724% | 6,592 |
| Retained earnings to average equity (ytd only) | -2.6724% | 6,158 |
| Net charge-offs to loans | 1.1817% | 495 |
| Credit loss provision to net charge-offs | 4.9180% | 3,195 |
| Earnings coverage of net charge-offs (x) | -0.6885% | 3,942 |
| Efficiency ratio | 108.1871% | 354 |
| Assets per employee ($millions) | 3.9554% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 2,896 |
| Loan loss allowance to noncurrent loans | 43.4243% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6923% | 2,751 |
| Noncurrent loans to loans | 3.9748% | 1,138 |
| Net loans and leases to total assets | 31.4888% | 6,538 |
| Net loans and leases to deposits | 34.2488% | 6,630 |
| Net loans and leases to core deposits | 34.9810% | 6,651 |
| Total domestic deposits to total assets | 91.9413% | 257 |
| Equity capital to assets | 7.9765% | 6,390 |
| Core capital (leverage) ratio | 7.6912% | 6,359 |
| Tier 1 risk-based capital ratio | 17.0935% | 2,705 |
| Total risk-based capital ratio | 18.3165% | 2,693 |
| Memoranda: | ||
| Average total assets | $64,428,000 | 5,792 |
| Average earning assets | $61,374,500 | 5,698 |
| Average equity | $5,089,000 | 6,223 |
| Average total loans | $20,648,000 | 6,327 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 6,312 |
| Cost of funding earning assets | 0.3926% | 5,970 |
| Net interest margin | 3.1460% | 5,706 |
| Noninterest income to average assets | 0.4077% | 4,542 |
| Noninterest expense to average assets | 3.4256% | 1,997 |
| Loan and lease loss provision to assets | 1.1949% | 305 |
| Net operating income to assets | -0.7855% | 6,673 |
| Return on assets (ROA) | -0.7855% | 6,692 |
| Pretax return on assets | -1.3239% | 6,807 |
| Return on Equity (ROE) | -8.9600% | 6,701 |
| Retained earnings to average equity (ytd only) | -8.9600% | 6,604 |
| Net charge-offs to loans | 3.2228% | 140 |
| Credit loss provision to net charge-offs | 103.8304% | 2,880 |
| Earnings coverage of net charge-offs (x) | -0.1122% | 5,546 |
| Efficiency ratio | 103.9160% | 446 |
| Assets per employee ($millions) | 4.0981% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 2,170 |
| Loan loss allowance to noncurrent loans | 31.6034% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.3730% | 2,067 |
| Noncurrent loans to loans | 6.1424% | 578 |
| Net loans and leases to total assets | 31.4321% | 6,647 |
| Net loans and leases to deposits | 34.2535% | 6,734 |
| Net loans and leases to core deposits | 34.7842% | 6,753 |
| Total domestic deposits to total assets | 91.7630% | 290 |
| Equity capital to assets | 7.8237% | 6,490 |
| Core capital (leverage) ratio | 7.6644% | 6,426 |
| Tier 1 risk-based capital ratio | 16.4656% | 2,912 |
| Total risk-based capital ratio | 17.7157% | 2,879 |
| Memoranda: | ||
| Average total assets | $63,522,600 | 5,839 |
| Average earning assets | $58,328,200 | 5,802 |
| Average equity | $5,569,200 | 6,131 |
| Average total loans | $22,682,400 | 6,313 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 6,208 |
| Cost of funding earning assets | 0.4199% | 5,988 |
| Net interest margin | 3.2872% | 5,432 |
| Noninterest income to average assets | 0.4211% | 4,474 |
| Noninterest expense to average assets | 3.3221% | 2,212 |
| Loan and lease loss provision to assets | 0.2941% | 2,231 |
| Net operating income to assets | -0.1079% | 6,411 |
| Return on assets (ROA) | -0.1079% | 6,502 |
| Pretax return on assets | -0.1968% | 6,540 |
| Return on Equity (ROE) | -1.1974% | 6,516 |
| Retained earnings to average equity (ytd only) | -1.1974% | 6,296 |
| Net charge-offs to loans | 0.9062% | 1,202 |
| Credit loss provision to net charge-offs | 88.5350% | 3,343 |
| Earnings coverage of net charge-offs (x) | 0.2930% | 5,180 |
| Efficiency ratio | 97.1535% | 630 |
| Assets per employee ($millions) | 4.0283% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 3,335 |
| Loan loss allowance to noncurrent loans | 23.9576% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 3.0736% | 1,692 |
| Noncurrent loans to loans | 6.8823% | 532 |
| Net loans and leases to total assets | 33.5025% | 6,681 |
| Net loans and leases to deposits | 36.9199% | 6,787 |
| Net loans and leases to core deposits | 37.5067% | 6,819 |
| Total domestic deposits to total assets | 90.7435% | 501 |
| Equity capital to assets | 8.7848% | 6,030 |
| Core capital (leverage) ratio | 8.1302% | 6,208 |
| Tier 1 risk-based capital ratio | 17.8148% | 2,419 |
| Total risk-based capital ratio | 19.0148% | 2,407 |
| Memoranda: | ||
| Average total assets | $63,010,750 | 5,914 |
| Average earning assets | $57,473,750 | 5,889 |
| Average equity | $5,679,000 | 6,178 |
| Average total loans | $23,098,500 | 6,375 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 6,250 |
| Cost of funding earning assets | 0.4490% | 5,981 |
| Net interest margin | 3.3021% | 5,435 |
| Noninterest income to average assets | 0.4542% | 4,259 |
| Noninterest expense to average assets | 3.3168% | 2,263 |
| Loan and lease loss provision to assets | 0.3007% | 2,180 |
| Net operating income to assets | -0.1375% | 6,472 |
| Return on assets (ROA) | -0.1375% | 6,566 |
| Pretax return on assets | -0.1759% | 6,576 |
| Return on Equity (ROE) | -1.5128% | 6,583 |
| Retained earnings to average equity (ytd only) | -1.5128% | 6,291 |
| Net charge-offs to loans | 0.2896% | 2,871 |
| Credit loss provision to net charge-offs | 276.4706% | 1,060 |
| Earnings coverage of net charge-offs (x) | 1.1471% | 4,442 |
| Efficiency ratio | 96.3755% | 686 |
| Assets per employee ($millions) | 3.8121% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 2,478 |
| Loan loss allowance to noncurrent loans | 36.6972% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 2.5412% | 2,200 |
| Noncurrent loans to loans | 5.2342% | 918 |
| Net loans and leases to total assets | 36.8348% | 6,560 |
| Net loans and leases to deposits | 40.8766% | 6,701 |
| Net loans and leases to core deposits | 41.5686% | 6,750 |
| Total domestic deposits to total assets | 90.1121% | 865 |
| Equity capital to assets | 9.3222% | 5,292 |
| Core capital (leverage) ratio | 8.7682% | 5,274 |
| Tier 1 risk-based capital ratio | 17.8662% | 2,335 |
| Total risk-based capital ratio | 19.1176% | 2,306 |
| Memoranda: | ||
| Average total assets | $62,530,330 | 5,962 |
| Average earning assets | $56,570,330 | 5,955 |
| Average equity | $5,684,670 | 6,199 |
| Average total loans | $23,479,670 | 6,393 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 6,303 |
| Cost of funding earning assets | 0.4808% | 5,936 |
| Net interest margin | 3.2958% | 5,496 |
| Noninterest income to average assets | 0.5435% | 3,608 |
| Noninterest expense to average assets | 3.3745% | 2,077 |
| Loan and lease loss provision to assets | 0.3096% | 2,034 |
| Net operating income to assets | -0.0885% | 6,523 |
| Return on assets (ROA) | -0.0885% | 6,609 |
| Pretax return on assets | -0.1517% | 6,632 |
| Return on Equity (ROE) | -0.9852% | 6,625 |
| Retained earnings to average equity (ytd only) | -0.9852% | 6,152 |
| Net charge-offs to loans | 0.5554% | 1,696 |
| Credit loss provision to net charge-offs | 148.4848% | 1,685 |
| Earnings coverage of net charge-offs (x) | 0.7576% | 3,957 |
| Efficiency ratio | 95.5277% | 744 |
| Assets per employee ($millions) | 3.9096% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 3,416 |
| Loan loss allowance to noncurrent loans | 33.3894% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 2.4619% | 2,402 |
| Noncurrent loans to loans | 5.0416% | 1,110 |
| Net loans and leases to total assets | 37.0678% | 6,549 |
| Net loans and leases to deposits | 40.9874% | 6,704 |
| Net loans and leases to core deposits | 42.2311% | 6,736 |
| Total domestic deposits to total assets | 90.4369% | 843 |
| Equity capital to assets | 9.0531% | 5,418 |
| Core capital (leverage) ratio | 8.7433% | 5,220 |
| Tier 1 risk-based capital ratio | 17.5027% | 2,472 |
| Total risk-based capital ratio | 18.7542% | 2,442 |
| Memoranda: | ||
| Average total assets | $63,298,500 | 5,975 |
| Average earning assets | $57,406,500 | 5,959 |
| Average equity | $5,684,000 | 6,232 |
| Average total loans | $23,766,000 | 6,430 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 6,094 |
| Cost of funding earning assets | 0.6260% | 5,951 |
| Net interest margin | 3.5609% | 4,889 |
| Noninterest income to average assets | 0.3988% | 4,623 |
| Noninterest expense to average assets | 3.3469% | 2,364 |
| Loan and lease loss provision to assets | 0.2966% | 3,293 |
| Net operating income to assets | 0.0049% | 6,028 |
| Return on assets (ROA) | 0.0049% | 6,154 |
| Pretax return on assets | 0.0082% | 6,115 |
| Return on Equity (ROE) | 0.0527% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.0527% | 5,812 |
| Net charge-offs to loans | 1.7919% | 827 |
| Credit loss provision to net charge-offs | 39.9113% | 5,628 |
| Earnings coverage of net charge-offs (x) | 0.4102% | 5,513 |
| Efficiency ratio | 91.6516% | 1,069 |
| Assets per employee ($millions) | 4.0028% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 3,637 |
| Loan loss allowance to noncurrent loans | 32.3404% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 2.9917% | 2,013 |
| Noncurrent loans to loans | 4.9065% | 1,166 |
| Net loans and leases to total assets | 36.7997% | 6,717 |
| Net loans and leases to deposits | 40.6485% | 6,843 |
| Net loans and leases to core deposits | 41.6653% | 6,896 |
| Total domestic deposits to total assets | 90.5315% | 703 |
| Equity capital to assets | 8.9079% | 5,666 |
| Core capital (leverage) ratio | 8.6317% | 5,343 |
| Tier 1 risk-based capital ratio | 17.1971% | 2,513 |
| Total risk-based capital ratio | 18.4017% | 2,495 |
| Memoranda: | ||
| Average total assets | $60,683,000 | 6,015 |
| Average earning assets | $55,435,200 | 6,007 |
| Average equity | $5,687,600 | 6,236 |
| Average total loans | $25,168,200 | 6,410 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 5,867 |
| Cost of funding earning assets | 0.6595% | 5,985 |
| Net interest margin | 3.6663% | 4,497 |
| Noninterest income to average assets | 0.4033% | 4,642 |
| Noninterest expense to average assets | 3.4178% | 2,146 |
| Loan and lease loss provision to assets | 0.3008% | 3,118 |
| Net operating income to assets | 0.0290% | 6,115 |
| Return on assets (ROA) | 0.0290% | 6,210 |
| Pretax return on assets | 0.0290% | 6,193 |
| Return on Equity (ROE) | 0.3049% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.3049% | 5,859 |
| Net charge-offs to loans | 2.1146% | 579 |
| Credit loss provision to net charge-offs | 33.4158% | 5,365 |
| Earnings coverage of net charge-offs (x) | 0.3663% | 5,337 |
| Efficiency ratio | 91.2010% | 1,092 |
| Assets per employee ($millions) | 3.8853% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,815 |
| Loan loss allowance to noncurrent loans | 34.0160% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 3.2093% | 1,987 |
| Noncurrent loans to loans | 4.6068% | 1,401 |
| Net loans and leases to total assets | 38.5995% | 6,737 |
| Net loans and leases to deposits | 42.8712% | 6,880 |
| Net loans and leases to core deposits | 44.1840% | 6,917 |
| Total domestic deposits to total assets | 90.0360% | 850 |
| Equity capital to assets | 9.3060% | 5,371 |
| Core capital (leverage) ratio | 8.6224% | 5,519 |
| Tier 1 risk-based capital ratio | 17.1456% | 2,588 |
| Total risk-based capital ratio | 18.3504% | 2,565 |
| Memoranda: | ||
| Average total assets | $59,842,750 | 6,092 |
| Average earning assets | $54,585,250 | 6,079 |
| Average equity | $5,683,250 | 6,279 |
| Average total loans | $25,473,250 | 6,453 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 5,526 |
| Cost of funding earning assets | 0.6840% | 6,047 |
| Net interest margin | 3.7658% | 3,958 |
| Noninterest income to average assets | 0.4097% | 4,599 |
| Noninterest expense to average assets | 3.4976% | 1,986 |
| Loan and lease loss provision to assets | 0.3047% | 2,972 |
| Net operating income to assets | 0.0339% | 6,162 |
| Return on assets (ROA) | 0.0339% | 6,239 |
| Pretax return on assets | 0.0372% | 6,212 |
| Return on Equity (ROE) | 0.3540% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.3540% | 5,702 |
| Net charge-offs to loans | 2.7401% | 404 |
| Credit loss provision to net charge-offs | 25.4237% | 5,058 |
| Earnings coverage of net charge-offs (x) | 0.2853% | 5,094 |
| Efficiency ratio | 91.0935% | 1,157 |
| Assets per employee ($millions) | 3.5088% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,948 |
| Loan loss allowance to noncurrent loans | 27.7221% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 3.9899% | 1,610 |
| Noncurrent loans to loans | 5.5514% | 1,132 |
| Net loans and leases to total assets | 41.5088% | 6,627 |
| Net loans and leases to deposits | 46.3141% | 6,808 |
| Net loans and leases to core deposits | 47.8002% | 6,861 |
| Total domestic deposits to total assets | 89.6245% | 1,174 |
| Equity capital to assets | 9.6865% | 4,557 |
| Core capital (leverage) ratio | 9.2214% | 4,366 |
| Tier 1 risk-based capital ratio | 16.9538% | 2,547 |
| Total risk-based capital ratio | 18.1614% | 2,529 |
| Memoranda: | ||
| Average total assets | $59,069,000 | 6,169 |
| Average earning assets | $53,799,330 | 6,156 |
| Average equity | $5,649,330 | 6,335 |
| Average total loans | $25,838,670 | 6,490 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 5,709 |
| Cost of funding earning assets | 0.7070% | 6,094 |
| Net interest margin | 3.6896% | 4,162 |
| Noninterest income to average assets | 0.3947% | 4,742 |
| Noninterest expense to average assets | 3.4434% | 2,162 |
| Loan and lease loss provision to assets | 0.3062% | 2,720 |
| Net operating income to assets | 0.0408% | 6,251 |
| Return on assets (ROA) | 0.0408% | 6,290 |
| Pretax return on assets | 0.0544% | 6,256 |
| Return on Equity (ROE) | 0.4297% | 6,276 |
| Retained earnings to average equity (ytd only) | 0.4297% | 5,648 |
| Net charge-offs to loans | 5.2703% | 139 |
| Credit loss provision to net charge-offs | 13.0435% | 4,357 |
| Earnings coverage of net charge-offs (x) | 0.1536% | 4,488 |
| Efficiency ratio | 90.5188% | 1,289 |
| Assets per employee ($millions) | 3.4634% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 4,876 |
| Loan loss allowance to noncurrent loans | 25.0178% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 4.0542% | 1,653 |
| Noncurrent loans to loans | 5.4195% | 1,209 |
| Net loans and leases to total assets | 43.3735% | 6,517 |
| Net loans and leases to deposits | 48.0091% | 6,757 |
| Net loans and leases to core deposits | 49.0822% | 6,829 |
| Total domestic deposits to total assets | 90.3443% | 935 |
| Equity capital to assets | 9.4723% | 4,479 |
| Core capital (leverage) ratio | 9.3557% | 4,042 |
| Tier 1 risk-based capital ratio | 16.7712% | 2,557 |
| Total risk-based capital ratio | 17.8555% | 2,599 |
| Memoranda: | ||
| Average total assets | $58,778,500 | 6,231 |
| Average earning assets | $54,315,500 | 6,187 |
| Average equity | $5,585,000 | 6,369 |
| Average total loans | $26,184,500 | 6,518 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 6,415 |
| Cost of funding earning assets | 0.8834% | 6,225 |
| Net interest margin | 3.6094% | 4,773 |
| Noninterest income to average assets | 0.4088% | 4,833 |
| Noninterest expense to average assets | 3.3914% | 2,460 |
| Loan and lease loss provision to assets | 1.3875% | 1,084 |
| Net operating income to assets | -0.7029% | 6,518 |
| Return on assets (ROA) | -0.7029% | 6,556 |
| Pretax return on assets | -1.0501% | 6,669 |
| Return on Equity (ROE) | -7.0049% | 6,556 |
| Retained earnings to average equity (ytd only) | -7.0049% | 6,458 |
| Net charge-offs to loans | 2.2194% | 876 |
| Credit loss provision to net charge-offs | 135.7724% | 2,847 |
| Earnings coverage of net charge-offs (x) | 0.3301% | 5,775 |
| Efficiency ratio | 90.9537% | 1,243 |
| Assets per employee ($millions) | 3.4518% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4584% | 1,460 |
| Loan loss allowance to noncurrent loans | 42.3002% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 4.2996% | 1,553 |
| Noncurrent loans to loans | 5.8117% | 1,094 |
| Net loans and leases to total assets | 44.0184% | 6,708 |
| Net loans and leases to deposits | 48.7745% | 6,910 |
| Net loans and leases to core deposits | 49.8678% | 6,983 |
| Total domestic deposits to total assets | 90.2488% | 953 |
| Equity capital to assets | 9.5314% | 4,366 |
| Core capital (leverage) ratio | 8.9469% | 4,624 |
| Tier 1 risk-based capital ratio | 16.4808% | 2,524 |
| Total risk-based capital ratio | 17.7389% | 2,494 |
| Memoranda: | ||
| Average total assets | $60,182,200 | 6,187 |
| Average earning assets | $55,355,800 | 6,161 |
| Average equity | $6,038,600 | 6,347 |
| Average total loans | $27,710,000 | 6,514 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5810% | 6,387 |
| Cost of funding earning assets | 0.9239% | 6,291 |
| Net interest margin | 3.6571% | 4,602 |
| Noninterest income to average assets | 0.4095% | 4,883 |
| Noninterest expense to average assets | 3.3554% | 2,418 |
| Loan and lease loss provision to assets | 0.3303% | 3,955 |
| Net operating income to assets | 0.0462% | 5,893 |
| Return on assets (ROA) | 0.0462% | 6,023 |
| Pretax return on assets | 0.0616% | 5,984 |
| Return on Equity (ROE) | 0.4553% | 6,021 |
| Retained earnings to average equity (ytd only) | 0.4553% | 5,614 |
| Net charge-offs to loans | 0.2617% | 4,381 |
| Credit loss provision to net charge-offs | 272.7273% | 1,201 |
| Earnings coverage of net charge-offs (x) | 3.2365% | 3,528 |
| Efficiency ratio | 89.5417% | 1,322 |
| Assets per employee ($millions) | 3.7542% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 2,516 |
| Loan loss allowance to noncurrent loans | 22.3639% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 4.5732% | 1,483 |
| Noncurrent loans to loans | 8.4422% | 590 |
| Net loans and leases to total assets | 45.5059% | 6,740 |
| Net loans and leases to deposits | 51.2698% | 6,926 |
| Net loans and leases to core deposits | 51.9026% | 7,051 |
| Total domestic deposits to total assets | 88.7576% | 1,530 |
| Equity capital to assets | 10.3701% | 3,674 |
| Core capital (leverage) ratio | 9.0403% | 4,618 |
| Tier 1 risk-based capital ratio | 17.2654% | 2,254 |
| Total risk-based capital ratio | 18.5188% | 2,215 |
| Memoranda: | ||
| Average total assets | $60,557,750 | 6,246 |
| Average earning assets | $55,270,750 | 6,226 |
| Average equity | $6,150,000 | 6,406 |
| Average total loans | $28,017,250 | 6,590 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 6,402 |
| Cost of funding earning assets | 0.9596% | 6,338 |
| Net interest margin | 3.6603% | 4,539 |
| Noninterest income to average assets | 0.3887% | 5,006 |
| Noninterest expense to average assets | 3.4090% | 2,238 |
| Loan and lease loss provision to assets | 0.1482% | 5,417 |
| Net operating income to assets | 0.1054% | 5,853 |
| Return on assets (ROA) | 0.1054% | 5,967 |
| Pretax return on assets | 0.1482% | 5,888 |
| Return on Equity (ROE) | 1.0451% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.0451% | 5,347 |
| Net charge-offs to loans | 0.3563% | 3,573 |
| Credit loss provision to net charge-offs | 90.0000% | 4,424 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,169 |
| Efficiency ratio | 92.0000% | 1,188 |
| Assets per employee ($millions) | 3.5170% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,836 |
| Loan loss allowance to noncurrent loans | 31.7200% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 2.9069% | 2,472 |
| Noncurrent loans to loans | 4.7787% | 1,482 |
| Net loans and leases to total assets | 46.2928% | 6,762 |
| Net loans and leases to deposits | 52.1047% | 6,970 |
| Net loans and leases to core deposits | 52.5000% | 7,112 |
| Total domestic deposits to total assets | 88.8458% | 1,526 |
| Equity capital to assets | 10.3246% | 3,619 |
| Core capital (leverage) ratio | 9.7848% | 3,427 |
| Tier 1 risk-based capital ratio | 17.1475% | 2,217 |
| Total risk-based capital ratio | 18.3903% | 2,180 |
| Memoranda: | ||
| Average total assets | $60,721,330 | 6,276 |
| Average earning assets | $55,022,670 | 6,280 |
| Average equity | $6,123,670 | 6,430 |
| Average total loans | $28,069,670 | 6,630 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 6,991 |
| Cost of funding earning assets | 0.9767% | 6,487 |
| Net interest margin | 3.4289% | 5,466 |
| Noninterest income to average assets | 0.3661% | 5,218 |
| Noninterest expense to average assets | 3.2883% | 2,563 |
| Loan and lease loss provision to assets | 0.0327% | 6,349 |
| Net operating income to assets | 0.1569% | 5,830 |
| Return on assets (ROA) | 0.1569% | 5,955 |
| Pretax return on assets | 0.2353% | 5,779 |
| Return on Equity (ROE) | 1.5740% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.5740% | 5,160 |
| Net charge-offs to loans | 0.6844% | 2,121 |
| Credit loss provision to net charge-offs | 10.4167% | 5,042 |
| Earnings coverage of net charge-offs (x) | 0.8542% | 4,283 |
| Efficiency ratio | 92.4632% | 1,248 |
| Assets per employee ($millions) | 3.4641% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 4,470 |
| Loan loss allowance to noncurrent loans | 29.8691% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 2.8766% | 2,506 |
| Noncurrent loans to loans | 4.6514% | 1,593 |
| Net loans and leases to total assets | 46.7643% | 6,770 |
| Net loans and leases to deposits | 52.5915% | 7,006 |
| Net loans and leases to core deposits | 53.3557% | 7,142 |
| Total domestic deposits to total assets | 88.9198% | 1,557 |
| Equity capital to assets | 10.3534% | 3,407 |
| Core capital (leverage) ratio | 9.7623% | 3,440 |
| Tier 1 risk-based capital ratio | 17.2010% | 2,196 |
| Total risk-based capital ratio | 18.3379% | 2,190 |
| Memoranda: | ||
| Average total assets | $61,187,500 | 6,339 |
| Average earning assets | $56,928,000 | 6,280 |
| Average equity | $6,099,000 | 6,486 |
| Average total loans | $28,052,500 | 6,715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 6,213 |
| Cost of funding earning assets | 1.1800% | 6,732 |
| Net interest margin | 3.8848% | 3,328 |
| Noninterest income to average assets | 0.3830% | 5,354 |
| Noninterest expense to average assets | 3.4237% | 2,605 |
| Loan and lease loss provision to assets | 0.4729% | 3,993 |
| Net operating income to assets | 0.0383% | 5,368 |
| Return on assets (ROA) | 0.0383% | 5,421 |
| Pretax return on assets | 0.0500% | 5,333 |
| Return on Equity (ROE) | 0.3745% | 5,419 |
| Retained earnings to average equity (ytd only) | -1.2538% | 5,331 |
| Net charge-offs to loans | 0.2056% | 5,348 |
| Credit loss provision to net charge-offs | 473.3333% | 648 |
| Earnings coverage of net charge-offs (x) | 5.2333% | 2,650 |
| Efficiency ratio | 86.7511% | 2,031 |
| Assets per employee ($millions) | 3.7345% | 4,438 |
| Cash dividends to net income (ytd only)* | 434.7826% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,579 |
| Loan loss allowance to noncurrent loans | 27.8604% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 3.0526% | 2,283 |
| Noncurrent loans to loans | 5.4901% | 1,180 |
| Net loans and leases to total assets | 43.7057% | 7,133 |
| Net loans and leases to deposits | 48.7046% | 7,329 |
| Net loans and leases to core deposits | 57.1962% | 7,365 |
| Total domestic deposits to total assets | 89.7363% | 1,085 |
| Equity capital to assets | 9.6100% | 4,260 |
| Core capital (leverage) ratio | 9.2595% | 4,039 |
| Tier 1 risk-based capital ratio | 16.5478% | 2,298 |
| Total risk-based capital ratio | 17.7678% | 2,260 |
| Memoranda: | ||
| Average total assets | $60,052,600 | 6,350 |
| Average earning assets | $55,086,600 | 6,332 |
| Average equity | $6,141,200 | 6,554 |
| Average total loans | $29,189,000 | 6,676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 5,771 |
| Cost of funding earning assets | 1.2183% | 6,843 |
| Net interest margin | 4.0089% | 2,773 |
| Noninterest income to average assets | 0.3852% | 5,434 |
| Noninterest expense to average assets | 3.4507% | 2,417 |
| Loan and lease loss provision to assets | 0.3356% | 4,326 |
| Net operating income to assets | 0.1577% | 5,294 |
| Return on assets (ROA) | 0.1577% | 5,352 |
| Pretax return on assets | 0.2455% | 5,198 |
| Return on Equity (ROE) | 1.5173% | 5,327 |
| Retained earnings to average equity (ytd only) | -0.6503% | 5,392 |
| Net charge-offs to loans | 0.2446% | 4,519 |
| Credit loss provision to net charge-offs | 275.9259% | 1,531 |
| Earnings coverage of net charge-offs (x) | 4.7776% | 3,010 |
| Efficiency ratio | 85.5866% | 2,110 |
| Assets per employee ($millions) | 3.6371% | 4,586 |
| Cash dividends to net income (ytd only)* | 142.8587% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 6,037 |
| Loan loss allowance to noncurrent loans | 36.8293% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 1.9004% | 3,505 |
| Noncurrent loans to loans | 2.8378% | 2,675 |
| Net loans and leases to total assets | 46.2462% | 7,092 |
| Net loans and leases to deposits | 51.9381% | 7,310 |
| Net loans and leases to core deposits | 60.0979% | 7,395 |
| Total domestic deposits to total assets | 89.0409% | 1,176 |
| Equity capital to assets | 10.0404% | 4,038 |
| Core capital (leverage) ratio | 9.6333% | 3,735 |
| Tier 1 risk-based capital ratio | 16.7396% | 2,349 |
| Total risk-based capital ratio | 17.5976% | 2,435 |
| Memoranda: | ||
| Average total assets | $59,194,250 | 6,416 |
| Average earning assets | $53,845,750 | 6,428 |
| Average equity | $6,151,250 | 6,611 |
| Average total loans | $29,441,750 | 6,710 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 5,117 |
| Cost of funding earning assets | 1.2579% | 6,934 |
| Net interest margin | 4.1489% | 2,163 |
| Noninterest income to average assets | 0.3292% | 5,878 |
| Noninterest expense to average assets | 3.6011% | 2,070 |
| Loan and lease loss provision to assets | 0.2915% | 4,239 |
| Net operating income to assets | 0.0960% | 5,577 |
| Return on assets (ROA) | 0.0960% | 5,672 |
| Pretax return on assets | 0.1921% | 5,490 |
| Return on Equity (ROE) | 0.9132% | 5,656 |
| Retained earnings to average equity (ytd only) | -2.3482% | 5,822 |
| Net charge-offs to loans | -0.0068% | 7,564 |
| Credit loss provision to net charge-offs | -8,500.0000% | 7,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1612% | 1,997 |
| Assets per employee ($millions) | 3.3289% | 5,243 |
| Cash dividends to net income (ytd only)* | 357.1429% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 6,188 |
| Loan loss allowance to noncurrent loans | 33.3714% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 2.1876% | 2,946 |
| Noncurrent loans to loans | 3.0163% | 2,390 |
| Net loans and leases to total assets | 50.7448% | 6,804 |
| Net loans and leases to deposits | 57.4260% | 7,064 |
| Net loans and leases to core deposits | 67.3744% | 7,151 |
| Total domestic deposits to total assets | 88.3656% | 1,588 |
| Equity capital to assets | 10.8127% | 3,102 |
| Core capital (leverage) ratio | 9.5674% | 3,790 |
| Tier 1 risk-based capital ratio | 16.9915% | 2,305 |
| Total risk-based capital ratio | 17.8396% | 2,372 |
| Memoranda: | ||
| Average total assets | $58,315,670 | 6,503 |
| Average earning assets | $52,785,330 | 6,517 |
| Average equity | $6,132,330 | 6,674 |
| Average total loans | $29,623,670 | 6,756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5781% | 4,477 |
| Cost of funding earning assets | 1.2778% | 7,088 |
| Net interest margin | 4.3003% | 1,598 |
| Noninterest income to average assets | 0.3109% | 5,951 |
| Noninterest expense to average assets | 3.6230% | 1,808 |
| Loan and lease loss provision to assets | 0.2095% | 4,344 |
| Net operating income to assets | 0.1757% | 5,729 |
| Return on assets (ROA) | 0.1757% | 5,903 |
| Pretax return on assets | 0.2771% | 5,741 |
| Return on Equity (ROE) | 1.6941% | 5,880 |
| Retained earnings to average equity (ytd only) | -4.8216% | 6,532 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1579% | 1,883 |
| Assets per employee ($millions) | 3.4281% | 5,000 |
| Cash dividends to net income (ytd only)* | 384.6154% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 7,157 |
| Loan loss allowance to noncurrent loans | 57.3850% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 4,000 |
| Noncurrent loans to loans | 1.3945% | 4,222 |
| Net loans and leases to total assets | 50.4135% | 6,823 |
| Net loans and leases to deposits | 56.8730% | 7,107 |
| Net loans and leases to core deposits | 66.0967% | 7,235 |
| Total domestic deposits to total assets | 88.6424% | 1,403 |
| Equity capital to assets | 10.4945% | 3,469 |
| Core capital (leverage) ratio | 10.0998% | 3,289 |
| Tier 1 risk-based capital ratio | 16.6363% | 2,469 |
| Total risk-based capital ratio | 17.3105% | 2,610 |
| Memoranda: | ||
| Average total assets | $59,178,000 | 6,503 |
| Average earning assets | $52,276,000 | 6,562 |
| Average equity | $6,139,000 | 6,714 |
| Average total loans | $29,931,000 | 6,767 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8175% | 6,374 |
| Cost of funding earning assets | 1.5236% | 7,573 |
| Net interest margin | 4.2938% | 1,996 |
| Noninterest income to average assets | 0.3873% | 5,581 |
| Noninterest expense to average assets | 3.3908% | 2,707 |
| Loan and lease loss provision to assets | 0.1463% | 5,487 |
| Net operating income to assets | 0.5068% | 4,698 |
| Return on assets (ROA) | 0.5068% | 4,549 |
| Pretax return on assets | 0.8334% | 3,945 |
| Return on Equity (ROE) | 4.8439% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.1383% | 3,202 |
| Net charge-offs to loans | 0.0234% | 6,519 |
| Credit loss provision to net charge-offs | 1,171.4286% | 385 |
| Earnings coverage of net charge-offs (x) | 78.4286% | 526 |
| Efficiency ratio | 77.5827% | 2,980 |
| Assets per employee ($millions) | 3.1620% | 5,588 |
| Cash dividends to net income (ytd only)* | 35.2113% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 7,476 |
| Loan loss allowance to noncurrent loans | 35.3345% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 3,090 |
| Noncurrent loans to loans | 1.9276% | 2,861 |
| Net loans and leases to total assets | 50.0000% | 7,035 |
| Net loans and leases to deposits | 56.3954% | 7,289 |
| Net loans and leases to core deposits | 65.5745% | 7,376 |
| Total domestic deposits to total assets | 88.6597% | 1,176 |
| Equity capital to assets | 10.2567% | 3,753 |
| Core capital (leverage) ratio | 10.3140% | 3,162 |
| Tier 1 risk-based capital ratio | 16.5609% | 2,465 |
| Total risk-based capital ratio | 17.1369% | 2,648 |
| Memoranda: | ||
| Average total assets | $56,034,800 | 6,527 |
| Average earning assets | $51,981,400 | 6,505 |
| Average equity | $5,863,000 | 6,851 |
| Average total loans | $29,875,200 | 6,716 |