Home > Waterman Bank > Performance and Condition Ratios
Waterman Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1317% | 281 |
| Cost of funding earning assets | 2.5753% | 748 |
| Net interest margin | 4.5563% | 570 |
| Noninterest income to average assets | 0.8500% | 749 |
| Noninterest expense to average assets | 4.5664% | 279 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.2981% | 3,861 |
| Return on assets (ROA) | 0.2981% | 3,887 |
| Pretax return on assets | 0.4300% | 3,810 |
| Return on Equity (ROE) | 1.9900% | 3,995 |
| Retained earnings to average equity (ytd only) | 1.9882% | 3,321 |
| Net charge-offs to loans | 1.0695% | 142 |
| Credit loss provision to net charge-offs | 18.9394% | 1,661 |
| Earnings coverage of net charge-offs (x) | 0.8561% | 2,182 |
| Efficiency ratio | 86.8258% | 617 |
| Assets per employee ($millions) | 4.0870% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5238% | 4,241 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 53.9900% | 3,347 |
| Net loans and leases to deposits | 64.4192% | 3,244 |
| Net loans and leases to core deposits | 67.3561% | 3,420 |
| Total domestic deposits to total assets | 83.8100% | 2,946 |
| Equity capital to assets | 14.3540% | 651 |
| Core capital (leverage) ratio | 13.5229% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4794% | 437 |
| Memoranda: | ||
| Average total assets | $163,716,000 | 3,269 |
| Average earning assets | $153,456,500 | 3,253 |
| Average equity | $24,545,000 | 2,723 |
| Average total loans | $98,738,500 | 3,227 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8659% | 181 |
| Cost of funding earning assets | 2.6047% | 965 |
| Net interest margin | 5.2613% | 239 |
| Noninterest income to average assets | 1.0600% | 563 |
| Noninterest expense to average assets | 4.8341% | 255 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.7326% | 2,881 |
| Return on assets (ROA) | 0.7326% | 2,901 |
| Pretax return on assets | 1.0537% | 2,379 |
| Return on Equity (ROE) | 4.6900% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.6947% | 2,356 |
| Net charge-offs to loans | -0.0741% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 77.9371% | 1,209 |
| Assets per employee ($millions) | 3.3069% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 4,095 |
| Loan loss allowance to noncurrent loans | 133.7143% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 1,905 |
| Noncurrent loans to loans | 0.5033% | 1,820 |
| Net loans and leases to total assets | 66.6600% | 2,302 |
| Net loans and leases to deposits | 80.8526% | 2,064 |
| Net loans and leases to core deposits | 87.5492% | 2,294 |
| Total domestic deposits to total assets | 82.4500% | 3,159 |
| Equity capital to assets | 15.5143% | 507 |
| Core capital (leverage) ratio | 13.5810% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9891% | 768 |
| Memoranda: | ||
| Average total assets | $150,701,200 | 3,355 |
| Average earning assets | $140,593,600 | 3,334 |
| Average equity | $23,515,800 | 2,730 |
| Average total loans | $102,542,000 | 3,187 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8586% | 186 |
| Cost of funding earning assets | 2.5707% | 1,034 |
| Net interest margin | 5.2879% | 233 |
| Noninterest income to average assets | 0.9600% | 643 |
| Noninterest expense to average assets | 4.7350% | 259 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.7651% | 2,795 |
| Return on assets (ROA) | 0.7651% | 2,804 |
| Pretax return on assets | 1.1013% | 2,246 |
| Return on Equity (ROE) | 4.9000% | 3,561 |
| Retained earnings to average equity (ytd only) | 4.8958% | 2,511 |
| Net charge-offs to loans | -0.0992% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 76.9557% | 1,313 |
| Assets per employee ($millions) | 3.5719% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 4,214 |
| Loan loss allowance to noncurrent loans | 109.3697% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 1,732 |
| Noncurrent loans to loans | 0.5544% | 1,697 |
| Net loans and leases to total assets | 68.5100% | 2,022 |
| Net loans and leases to deposits | 83.5762% | 1,845 |
| Net loans and leases to core deposits | 89.8035% | 2,160 |
| Total domestic deposits to total assets | 81.9800% | 3,112 |
| Equity capital to assets | 15.6168% | 521 |
| Core capital (leverage) ratio | 13.5291% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6497% | 835 |
| Memoranda: | ||
| Average total assets | $149,520,500 | 3,362 |
| Average earning assets | $139,359,750 | 3,356 |
| Average equity | $23,366,500 | 2,730 |
| Average total loans | $102,099,250 | 3,192 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8494% | 180 |
| Cost of funding earning assets | 2.5454% | 1,007 |
| Net interest margin | 5.3040% | 229 |
| Noninterest income to average assets | 0.7200% | 1,042 |
| Noninterest expense to average assets | 4.7367% | 253 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.6358% | 3,097 |
| Return on assets (ROA) | 0.6358% | 3,128 |
| Pretax return on assets | 0.9152% | 2,725 |
| Return on Equity (ROE) | 4.0700% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.0674% | 2,687 |
| Net charge-offs to loans | -0.1507% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 79.9571% | 1,128 |
| Assets per employee ($millions) | 2.9285% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5372% | 4,303 |
| Loan loss allowance to noncurrent loans | 53.7396% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 940 |
| Noncurrent loans to loans | 0.9996% | 928 |
| Net loans and leases to total assets | 70.7600% | 1,812 |
| Net loans and leases to deposits | 85.7304% | 1,691 |
| Net loans and leases to core deposits | 91.1882% | 2,069 |
| Total domestic deposits to total assets | 82.5400% | 2,966 |
| Equity capital to assets | 15.3990% | 531 |
| Core capital (leverage) ratio | 13.4317% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5398% | 843 |
| Memoranda: | ||
| Average total assets | $148,163,667 | 3,385 |
| Average earning assets | $137,896,333 | 3,376 |
| Average equity | $23,160,000 | 2,708 |
| Average total loans | $100,841,667 | 3,205 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5910% | 211 |
| Cost of funding earning assets | 2.4667% | 1,047 |
| Net interest margin | 5.1243% | 277 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 4.9143% | 237 |
| Loan and lease loss provision to assets | -0.1500% | 4,483 |
| Net operating income to assets | 0.2847% | 3,850 |
| Return on assets (ROA) | 0.2847% | 3,883 |
| Pretax return on assets | 0.4079% | 3,742 |
| Return on Equity (ROE) | 1.8100% | 4,032 |
| Retained earnings to average equity (ytd only) | 1.8075% | 3,284 |
| Net charge-offs to loans | -0.3172% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.1886% | 671 |
| Assets per employee ($millions) | 3.6335% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 4,297 |
| Loan loss allowance to noncurrent loans | 28.9037% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2123% | 435 |
| Noncurrent loans to loans | 1.8385% | 374 |
| Net loans and leases to total assets | 65.5900% | 2,287 |
| Net loans and leases to deposits | 78.9542% | 2,145 |
| Net loans and leases to core deposits | 83.8049% | 2,459 |
| Total domestic deposits to total assets | 83.0700% | 2,965 |
| Equity capital to assets | 15.4739% | 499 |
| Core capital (leverage) ratio | 13.5626% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8545% | 814 |
| Memoranda: | ||
| Average total assets | $146,104,000 | 3,415 |
| Average earning assets | $136,214,500 | 3,407 |
| Average equity | $23,015,000 | 2,716 |
| Average total loans | $97,092,500 | 3,247 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9371% | 125 |
| Cost of funding earning assets | 2.1062% | 773 |
| Net interest margin | 5.8310% | 129 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 4.5135% | 282 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0964% | 1,934 |
| Return on assets (ROA) | 1.0964% | 1,903 |
| Pretax return on assets | 1.6230% | 1,193 |
| Return on Equity (ROE) | 7.3900% | 3,191 |
| Retained earnings to average equity (ytd only) | -7.9552% | 4,443 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.5712% | 1,704 |
| Assets per employee ($millions) | 3.4935% | 4,293 |
| Cash dividends to net income (ytd only)* | 207.6356% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5232% | 4,319 |
| Loan loss allowance to noncurrent loans | 31.3163% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 410 |
| Noncurrent loans to loans | 1.6706% | 379 |
| Net loans and leases to total assets | 66.6400% | 2,183 |
| Net loans and leases to deposits | 81.0468% | 2,026 |
| Net loans and leases to core deposits | 85.8582% | 2,316 |
| Total domestic deposits to total assets | 82.2200% | 3,085 |
| Equity capital to assets | 16.0422% | 458 |
| Core capital (leverage) ratio | 13.1711% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9042% | 804 |
| Memoranda: | ||
| Average total assets | $136,170,000 | 3,491 |
| Average earning assets | $128,383,800 | 3,460 |
| Average equity | $20,200,600 | 2,836 |
| Average total loans | $89,887,000 | 3,290 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1138% | 182 |
| Cost of funding earning assets | 1.9572% | 766 |
| Net interest margin | 5.1566% | 265 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 4.2319% | 312 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0505% | 2,218 |
| Return on assets (ROA) | 1.0505% | 2,206 |
| Pretax return on assets | 1.5118% | 1,530 |
| Return on Equity (ROE) | 7.2400% | 3,367 |
| Retained earnings to average equity (ytd only) | -13.9507% | 4,530 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.9048% | 1,579 |
| Assets per employee ($millions) | 3.6563% | 4,283 |
| Cash dividends to net income (ytd only)* | 292.7290% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 4,394 |
| Loan loss allowance to noncurrent loans | 48.5939% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 1,008 |
| Noncurrent loans to loans | 0.8656% | 959 |
| Net loans and leases to total assets | 66.6000% | 2,187 |
| Net loans and leases to deposits | 79.4798% | 2,098 |
| Net loans and leases to core deposits | 85.2984% | 2,231 |
| Total domestic deposits to total assets | 83.8000% | 2,833 |
| Equity capital to assets | 14.6609% | 567 |
| Core capital (leverage) ratio | 12.2846% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8554% | 715 |
| Memoranda: | ||
| Average total assets | $134,403,750 | 3,512 |
| Average earning assets | $127,185,500 | 3,481 |
| Average equity | $19,506,250 | 2,886 |
| Average total loans | $88,370,250 | 3,311 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1267% | 164 |
| Cost of funding earning assets | 1.8898% | 625 |
| Net interest margin | 5.2369% | 229 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 4.3307% | 294 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.3686% | 1,405 |
| Return on assets (ROA) | 1.3686% | 1,387 |
| Pretax return on assets | 1.9685% | 783 |
| Return on Equity (ROE) | 9.4700% | 2,842 |
| Retained earnings to average equity (ytd only) | -24.0385% | 4,590 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1310% | 2,089 |
| Assets per employee ($millions) | 4.0018% | 4,176 |
| Cash dividends to net income (ytd only)* | 353.8813% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4235% | 4,427 |
| Loan loss allowance to noncurrent loans | 71.7857% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 1,479 |
| Noncurrent loans to loans | 0.5899% | 1,273 |
| Net loans and leases to total assets | 60.5700% | 2,718 |
| Net loans and leases to deposits | 71.8632% | 2,658 |
| Net loans and leases to core deposits | 75.0586% | 2,827 |
| Total domestic deposits to total assets | 84.2900% | 2,753 |
| Equity capital to assets | 14.2392% | 616 |
| Core capital (leverage) ratio | 11.7743% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3274% | 601 |
| Memoranda: | ||
| Average total assets | $128,016,667 | 3,592 |
| Average earning assets | $121,598,333 | 3,545 |
| Average equity | $18,503,667 | 2,985 |
| Average total loans | $83,590,667 | 3,374 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7517% | 141 |
| Cost of funding earning assets | 1.8564% | 402 |
| Net interest margin | 4.8954% | 330 |
| Noninterest income to average assets | 1.6900% | 290 |
| Noninterest expense to average assets | 4.2565% | 310 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.4036% | 1,397 |
| Return on assets (ROA) | 1.4036% | 1,374 |
| Pretax return on assets | 2.0177% | 752 |
| Return on Equity (ROE) | 9.6100% | 2,893 |
| Retained earnings to average equity (ytd only) | 9.6131% | 1,788 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.0066% | 2,205 |
| Assets per employee ($millions) | 2.6931% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4390% | 4,479 |
| Loan loss allowance to noncurrent loans | 22.3558% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4369% | 237 |
| Noncurrent loans to loans | 1.9638% | 290 |
| Net loans and leases to total assets | 72.8500% | 1,335 |
| Net loans and leases to deposits | 87.0957% | 1,284 |
| Net loans and leases to core deposits | 88.5651% | 1,704 |
| Total domestic deposits to total assets | 83.6400% | 3,167 |
| Equity capital to assets | 14.5585% | 524 |
| Core capital (leverage) ratio | 14.4097% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1065% | 647 |
| Memoranda: | ||
| Average total assets | $113,990,500 | 3,781 |
| Average earning assets | $109,246,500 | 3,728 |
| Average equity | $16,644,000 | 3,162 |
| Average total loans | $77,919,500 | 3,482 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 147 |
| Cost of funding earning assets | 1.0778% | 126 |
| Net interest margin | 4.4680% | 312 |
| Noninterest income to average assets | 1.7600% | 290 |
| Noninterest expense to average assets | 4.8682% | 229 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9022% | 2,951 |
| Return on assets (ROA) | 0.9022% | 2,888 |
| Pretax return on assets | 1.0322% | 2,968 |
| Return on Equity (ROE) | 5.5400% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.5382% | 2,817 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.0918% | 709 |
| Assets per employee ($millions) | 3.5056% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4810% | 4,452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.0800% | 2,323 |
| Net loans and leases to deposits | 75.4593% | 2,135 |
| Net loans and leases to core deposits | 76.3179% | 2,397 |
| Total domestic deposits to total assets | 83.6000% | 3,293 |
| Equity capital to assets | 14.6453% | 512 |
| Core capital (leverage) ratio | 14.8894% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6284% | 437 |
| Memoranda: | ||
| Average total assets | $97,653,400 | 3,949 |
| Average earning assets | $93,151,200 | 3,905 |
| Average equity | $15,907,800 | 3,281 |
| Average total loans | $58,470,000 | 3,760 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 986 |
| Cost of funding earning assets | 0.8575% | 124 |
| Net interest margin | 3.2873% | 2,334 |
| Noninterest income to average assets | 2.8500% | 192 |
| Noninterest expense to average assets | 4.9959% | 219 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8494% | 3,070 |
| Return on assets (ROA) | 0.8494% | 3,043 |
| Pretax return on assets | 0.8537% | 3,462 |
| Return on Equity (ROE) | 5.0600% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.0619% | 3,080 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.6809% | 620 |
| Assets per employee ($millions) | 2.6750% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4938% | 4,480 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.2600% | 2,475 |
| Net loans and leases to deposits | 72.9126% | 2,134 |
| Net loans and leases to core deposits | 73.8653% | 2,361 |
| Total domestic deposits to total assets | 82.6500% | 3,733 |
| Equity capital to assets | 15.4431% | 417 |
| Core capital (leverage) ratio | 15.8434% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7490% | 354 |
| Memoranda: | ||
| Average total assets | $94,022,000 | 4,003 |
| Average earning assets | $89,555,500 | 3,963 |
| Average equity | $15,777,500 | 3,339 |
| Average total loans | $55,310,750 | 3,828 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 1,810 |
| Cost of funding earning assets | 0.8005% | 100 |
| Net interest margin | 2.8098% | 3,422 |
| Noninterest income to average assets | 2.6913% | 170 |
| Noninterest expense to average assets | 4.7821% | 183 |
| Loan and lease loss provision to assets | 0.1325% | 726 |
| Net operating income to assets | 0.3135% | 4,263 |
| Return on assets (ROA) | 0.3135% | 4,213 |
| Pretax return on assets | 0.4504% | 4,082 |
| Return on Equity (ROE) | 1.8128% | 4,370 |
| Retained earnings to average equity (ytd only) | 1.8128% | 3,802 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1481% | 486 |
| Assets per employee ($millions) | 2.0212% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 4,569 |
| Loan loss allowance to noncurrent loans | 29.7782% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 452 |
| Noncurrent loans to loans | 1.6023% | 452 |
| Net loans and leases to total assets | 63.2639% | 1,986 |
| Net loans and leases to deposits | 78.6487% | 1,490 |
| Net loans and leases to core deposits | 80.9321% | 1,661 |
| Total domestic deposits to total assets | 80.4386% | 4,188 |
| Equity capital to assets | 16.9155% | 287 |
| Core capital (leverage) ratio | 16.5501% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3150% | 219 |
| Memoranda: | ||
| Average total assets | $90,587,667 | 4,076 |
| Average earning assets | $86,198,000 | 4,044 |
| Average equity | $15,666,333 | 3,432 |
| Average total loans | $52,688,333 | 3,918 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 2,472 |
| Cost of funding earning assets | 0.7755% | 101 |
| Net interest margin | 2.4956% | 3,912 |
| Noninterest income to average assets | 1.9330% | 254 |
| Noninterest expense to average assets | 5.0518% | 170 |
| Loan and lease loss provision to assets | 0.1342% | 606 |
| Net operating income to assets | -0.6085% | 4,716 |
| Return on assets (ROA) | -0.6085% | 4,707 |
| Pretax return on assets | -0.8770% | 4,723 |
| Return on Equity (ROE) | -3.4792% | 4,672 |
| Retained earnings to average equity (ytd only) | -3.4792% | 4,341 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8879% | 99 |
| Assets per employee ($millions) | 3.2111% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5057% | 4,583 |
| Loan loss allowance to noncurrent loans | 41.7910% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 919 |
| Noncurrent loans to loans | 1.2101% | 730 |
| Net loans and leases to total assets | 53.2404% | 2,852 |
| Net loans and leases to deposits | 68.2291% | 2,130 |
| Net loans and leases to core deposits | 70.0185% | 2,289 |
| Total domestic deposits to total assets | 78.0318% | 4,404 |
| Equity capital to assets | 16.6622% | 286 |
| Core capital (leverage) ratio | 16.6823% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0546% | 261 |
| Memoranda: | ||
| Average total assets | $89,394,500 | 4,110 |
| Average earning assets | $85,108,500 | 4,072 |
| Average equity | $15,636,000 | 3,502 |
| Average total loans | $49,482,000 | 3,981 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 759 |
| Cost of funding earning assets | 0.5903% | 570 |
| Net interest margin | 3.7748% | 1,063 |
| Noninterest income to average assets | 11.1857% | 58 |
| Noninterest expense to average assets | 11.5667% | 62 |
| Loan and lease loss provision to assets | 0.1599% | 741 |
| Net operating income to assets | 2.0570% | 305 |
| Return on assets (ROA) | 2.0570% | 319 |
| Pretax return on assets | 2.9603% | 152 |
| Return on Equity (ROE) | 12.6651% | 1,582 |
| Retained earnings to average equity (ytd only) | 12.6651% | 446 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2928% | 926 |
| Assets per employee ($millions) | 2.5196% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4518% | 4,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.0948% | 2,469 |
| Net loans and leases to deposits | 75.9244% | 1,578 |
| Net loans and leases to core deposits | 77.5519% | 1,799 |
| Total domestic deposits to total assets | 75.1996% | 4,545 |
| Equity capital to assets | 18.3919% | 241 |
| Core capital (leverage) ratio | 18.9160% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7572% | 206 |
| Memoranda: | ||
| Average total assets | $75,060,200 | 4,277 |
| Average earning assets | $69,619,800 | 4,263 |
| Average equity | $12,191,000 | 3,916 |
| Average total loans | $42,592,200 | 4,139 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9310% | 4,118 |
| Cost of funding earning assets | 0.5718% | 736 |
| Net interest margin | 2.3592% | 4,439 |
| Noninterest income to average assets | 14.6241% | 51 |
| Noninterest expense to average assets | 12.9724% | 54 |
| Loan and lease loss provision to assets | 0.1657% | 659 |
| Net operating income to assets | 2.5429% | 206 |
| Return on assets (ROA) | 2.5429% | 209 |
| Pretax return on assets | 3.6588% | 108 |
| Return on Equity (ROE) | 16.2949% | 890 |
| Retained earnings to average equity (ytd only) | 16.2949% | 278 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8143% | 975 |
| Assets per employee ($millions) | 1.9830% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5037% | 4,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.6464% | 3,746 |
| Net loans and leases to deposits | 65.2433% | 2,704 |
| Net loans and leases to core deposits | 65.5263% | 3,000 |
| Total domestic deposits to total assets | 71.4960% | 4,697 |
| Equity capital to assets | 19.2150% | 221 |
| Core capital (leverage) ratio | 20.0167% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3787% | 163 |
| Memoranda: | ||
| Average total assets | $72,408,250 | 4,364 |
| Average earning assets | $66,688,000 | 4,359 |
| Average equity | $11,299,750 | 4,055 |
| Average total loans | $40,956,750 | 4,221 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9356% | 4,167 |
| Cost of funding earning assets | 0.5467% | 957 |
| Net interest margin | 2.3889% | 4,432 |
| Noninterest income to average assets | 16.7905% | 46 |
| Noninterest expense to average assets | 13.8471% | 48 |
| Loan and lease loss provision to assets | 0.1728% | 669 |
| Net operating income to assets | 3.4387% | 92 |
| Return on assets (ROA) | 3.4387% | 94 |
| Pretax return on assets | 4.9479% | 64 |
| Return on Equity (ROE) | 24.2215% | 224 |
| Retained earnings to average equity (ytd only) | 24.2215% | 82 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6237% | 1,366 |
| Assets per employee ($millions) | 1.9918% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3684% | 4,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.4006% | 2,854 |
| Net loans and leases to deposits | 90.3191% | 633 |
| Net loans and leases to core deposits | 90.3191% | 1,118 |
| Total domestic deposits to total assets | 62.4459% | 4,854 |
| Equity capital to assets | 19.8378% | 201 |
| Core capital (leverage) ratio | 24.6800% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4013% | 142 |
| Memoranda: | ||
| Average total assets | $69,444,000 | 4,431 |
| Average earning assets | $63,293,000 | 4,430 |
| Average equity | $9,859,000 | 4,216 |
| Average total loans | $41,903,667 | 4,234 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8340% | 4,335 |
| Cost of funding earning assets | 0.5228% | 1,255 |
| Net interest margin | 2.3112% | 4,511 |
| Noninterest income to average assets | 19.2936% | 42 |
| Noninterest expense to average assets | 15.7572% | 42 |
| Loan and lease loss provision to assets | 0.1845% | 664 |
| Net operating income to assets | 3.7640% | 93 |
| Return on assets (ROA) | 3.7640% | 97 |
| Pretax return on assets | 5.4185% | 68 |
| Return on Equity (ROE) | 35.3043% | 84 |
| Retained earnings to average equity (ytd only) | 35.3043% | 54 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3948% | 1,361 |
| Assets per employee ($millions) | 1.7346% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2926% | 4,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.8300% | 1,939 |
| Net loans and leases to deposits | 102.4507% | 229 |
| Net loans and leases to core deposits | 104.8386% | 550 |
| Total domestic deposits to total assets | 63.2792% | 4,864 |
| Equity capital to assets | 10.4118% | 2,351 |
| Core capital (leverage) ratio | 12.5226% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1858% | 898 |
| Memoranda: | ||
| Average total assets | $65,037,000 | 4,497 |
| Average earning assets | $58,151,500 | 4,519 |
| Average equity | $6,934,000 | 4,533 |
| Average total loans | $40,868,500 | 4,283 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 3,339 |
| Cost of funding earning assets | 0.4947% | 2,983 |
| Net interest margin | 3.2916% | 3,088 |
| Noninterest income to average assets | 5.6319% | 103 |
| Noninterest expense to average assets | 5.8636% | 136 |
| Loan and lease loss provision to assets | 0.1953% | 1,999 |
| Net operating income to assets | 1.7746% | 411 |
| Return on assets (ROA) | 1.7746% | 444 |
| Pretax return on assets | 2.5537% | 178 |
| Return on Equity (ROE) | 16.9204% | 420 |
| Retained earnings to average equity (ytd only) | 16.9204% | 106 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9482% | 2,373 |
| Assets per employee ($millions) | 1.4450% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2785% | 4,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.1770% | 2,840 |
| Net loans and leases to deposits | 93.6654% | 680 |
| Net loans and leases to core deposits | 96.1308% | 1,110 |
| Total domestic deposits to total assets | 64.2468% | 4,879 |
| Equity capital to assets | 10.9473% | 2,299 |
| Core capital (leverage) ratio | 12.2915% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3811% | 1,176 |
| Memoranda: | ||
| Average total assets | $52,237,800 | 4,626 |
| Average earning assets | $47,302,800 | 4,632 |
| Average equity | $5,478,600 | 4,699 |
| Average total loans | $29,486,600 | 4,525 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2892% | 4,485 |
| Cost of funding earning assets | 0.5226% | 3,095 |
| Net interest margin | 2.7667% | 4,380 |
| Noninterest income to average assets | 2.6653% | 220 |
| Noninterest expense to average assets | 3.4367% | 767 |
| Loan and lease loss provision to assets | 0.1915% | 2,074 |
| Net operating income to assets | 1.5720% | 776 |
| Return on assets (ROA) | 1.5720% | 850 |
| Pretax return on assets | 1.5720% | 1,267 |
| Return on Equity (ROE) | 15.1907% | 665 |
| Retained earnings to average equity (ytd only) | 15.1907% | 191 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1432% | 2,711 |
| Assets per employee ($millions) | 2.3974% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1576% | 4,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.1679% | 1,477 |
| Net loans and leases to deposits | 120.5896% | 108 |
| Net loans and leases to core deposits | 123.8647% | 342 |
| Total domestic deposits to total assets | 60.6751% | 4,924 |
| Equity capital to assets | 10.1248% | 3,119 |
| Core capital (leverage) ratio | 11.6910% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9467% | 792 |
| Memoranda: | ||
| Average total assets | $50,124,500 | 4,673 |
| Average earning assets | $45,926,500 | 4,672 |
| Average equity | $5,187,250 | 4,753 |
| Average total loans | $27,702,250 | 4,587 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3972% | 4,538 |
| Cost of funding earning assets | 0.6984% | 2,390 |
| Net interest margin | 2.6987% | 4,553 |
| Noninterest income to average assets | 1.2550% | 642 |
| Noninterest expense to average assets | 2.5361% | 2,865 |
| Loan and lease loss provision to assets | 0.1824% | 2,195 |
| Net operating income to assets | 1.0031% | 2,316 |
| Return on assets (ROA) | 1.0031% | 2,440 |
| Pretax return on assets | 1.0031% | 3,021 |
| Return on Equity (ROE) | 9.5997% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.5997% | 861 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1447% | 2,216 |
| Assets per employee ($millions) | 4.4839% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1295% | 5,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 51.6121% | 4,054 |
| Net loans and leases to deposits | 86.8932% | 1,671 |
| Net loans and leases to core deposits | 89.2879% | 2,131 |
| Total domestic deposits to total assets | 59.3972% | 4,966 |
| Equity capital to assets | 9.4020% | 3,742 |
| Core capital (leverage) ratio | 11.8101% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2951% | 355 |
| Memoranda: | ||
| Average total assets | $46,055,333 | 4,747 |
| Average earning assets | $42,094,000 | 4,738 |
| Average equity | $4,812,667 | 4,827 |
| Average total loans | $21,710,000 | 4,736 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 4,658 |
| Cost of funding earning assets | 0.8415% | 2,160 |
| Net interest margin | 2.6312% | 4,732 |
| Noninterest income to average assets | 0.2016% | 4,345 |
| Noninterest expense to average assets | 2.3239% | 3,717 |
| Loan and lease loss provision to assets | 0.0637% | 2,969 |
| Net operating income to assets | 0.1698% | 4,573 |
| Return on assets (ROA) | 0.1698% | 4,577 |
| Pretax return on assets | 0.1698% | 4,599 |
| Return on Equity (ROE) | 1.4995% | 4,547 |
| Retained earnings to average equity (ytd only) | 1.4995% | 3,605 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8714% | 464 |
| Assets per employee ($millions) | 6.9435% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0371% | 5,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 38.8421% | 4,703 |
| Net loans and leases to deposits | 46.1921% | 4,714 |
| Net loans and leases to core deposits | 46.1921% | 4,771 |
| Total domestic deposits to total assets | 84.0882% | 2,764 |
| Equity capital to assets | 11.6992% | 2,289 |
| Core capital (leverage) ratio | 10.4090% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6367% | 911 |
| Memoranda: | ||
| Average total assets | $37,696,000 | 4,882 |
| Average earning assets | $33,748,500 | 4,879 |
| Average equity | $4,268,000 | 4,915 |
| Average total loans | $16,344,500 | 4,874 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 3,481 |
| Cost of funding earning assets | 0.9560% | 1,925 |
| Net interest margin | 3.3653% | 3,839 |
| Noninterest income to average assets | 0.3003% | 3,889 |
| Noninterest expense to average assets | 3.1441% | 1,658 |
| Loan and lease loss provision to assets | -0.1261% | 5,091 |
| Net operating income to assets | 0.1892% | 4,847 |
| Return on assets (ROA) | 0.1892% | 4,869 |
| Pretax return on assets | 0.1892% | 4,890 |
| Return on Equity (ROE) | 1.7812% | 4,822 |
| Retained earnings to average equity (ytd only) | 1.7812% | 4,096 |
| Net charge-offs to loans | 0.0061% | 3,457 |
| Credit loss provision to net charge-offs | -4,200.0000% | 4,657 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,906 |
| Efficiency ratio | 98.0337% | 184 |
| Assets per employee ($millions) | 8.4328% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.3324% | 4,412 |
| Net loans and leases to deposits | 57.6057% | 4,386 |
| Net loans and leases to core deposits | 57.6057% | 4,536 |
| Total domestic deposits to total assets | 83.9020% | 2,877 |
| Equity capital to assets | 10.8565% | 3,134 |
| Core capital (leverage) ratio | 10.9068% | 2,586 |
| Tier 1 risk-based capital ratio | 16.5293% | 2,207 |
| Total risk-based capital ratio | 17.4209% | 2,291 |
| Memoranda: | ||
| Average total assets | $33,300,600 | 4,989 |
| Average earning assets | $28,764,400 | 5,000 |
| Average equity | $3,537,000 | 5,033 |
| Average total loans | $16,406,200 | 4,937 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 3,512 |
| Cost of funding earning assets | 0.9419% | 2,028 |
| Net interest margin | 3.4085% | 3,846 |
| Noninterest income to average assets | 0.3013% | 3,932 |
| Noninterest expense to average assets | 3.1411% | 1,607 |
| Loan and lease loss provision to assets | -0.1687% | 5,200 |
| Net operating income to assets | 0.2651% | 4,887 |
| Return on assets (ROA) | 0.2651% | 4,902 |
| Pretax return on assets | 0.2651% | 4,932 |
| Return on Equity (ROE) | 2.5102% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.5102% | 4,088 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0223% | 180 |
| Assets per employee ($millions) | 8.3878% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 45.7960% | 4,610 |
| Net loans and leases to deposits | 58.3488% | 4,460 |
| Net loans and leases to core deposits | 58.3488% | 4,592 |
| Total domestic deposits to total assets | 78.4865% | 4,269 |
| Equity capital to assets | 10.9654% | 3,125 |
| Core capital (leverage) ratio | 11.3073% | 2,372 |
| Tier 1 risk-based capital ratio | 17.2697% | 2,005 |
| Total risk-based capital ratio | 18.2002% | 2,047 |
| Memoranda: | ||
| Average total assets | $33,193,000 | 5,067 |
| Average earning assets | $28,594,750 | 5,077 |
| Average equity | $3,505,750 | 5,109 |
| Average total loans | $16,382,500 | 5,014 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 3,325 |
| Cost of funding earning assets | 0.9268% | 2,024 |
| Net interest margin | 3.4755% | 3,671 |
| Noninterest income to average assets | 0.3144% | 3,825 |
| Noninterest expense to average assets | 3.2352% | 1,437 |
| Loan and lease loss provision to assets | -0.2540% | 5,264 |
| Net operating income to assets | 0.3265% | 4,838 |
| Return on assets (ROA) | 0.3265% | 4,854 |
| Pretax return on assets | 0.3265% | 4,907 |
| Return on Equity (ROE) | 3.1323% | 4,766 |
| Retained earnings to average equity (ytd only) | 3.1323% | 3,653 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8062% | 179 |
| Assets per employee ($millions) | 6.4734% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 48.5896% | 4,544 |
| Net loans and leases to deposits | 62.9432% | 4,279 |
| Net loans and leases to core deposits | 62.9432% | 4,458 |
| Total domestic deposits to total assets | 77.1959% | 4,539 |
| Equity capital to assets | 11.1255% | 2,925 |
| Core capital (leverage) ratio | 11.2680% | 2,363 |
| Tier 1 risk-based capital ratio | 17.4847% | 1,946 |
| Total risk-based capital ratio | 18.4349% | 1,983 |
| Memoranda: | ||
| Average total assets | $33,073,670 | 5,110 |
| Average earning assets | $28,485,000 | 5,124 |
| Average equity | $3,448,000 | 5,154 |
| Average total loans | $16,655,670 | 5,051 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,701 |
| Cost of funding earning assets | 0.8947% | 2,030 |
| Net interest margin | 3.3585% | 4,013 |
| Noninterest income to average assets | 0.3111% | 3,785 |
| Noninterest expense to average assets | 3.0993% | 1,737 |
| Loan and lease loss provision to assets | 0.0718% | 2,232 |
| Net operating income to assets | 0.0598% | 5,112 |
| Return on assets (ROA) | 0.0598% | 5,117 |
| Pretax return on assets | 0.0598% | 5,118 |
| Return on Equity (ROE) | 0.5932% | 5,110 |
| Retained earnings to average equity (ytd only) | 0.5932% | 4,413 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9259% | 228 |
| Assets per employee ($millions) | 5.5410% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,459 |
| Loan loss allowance to noncurrent loans | 525.5319% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 4,099 |
| Noncurrent loans to loans | 0.2786% | 3,568 |
| Net loans and leases to total assets | 50.0060% | 4,470 |
| Net loans and leases to deposits | 62.3968% | 4,282 |
| Net loans and leases to core deposits | 62.3968% | 4,453 |
| Total domestic deposits to total assets | 80.1420% | 4,153 |
| Equity capital to assets | 10.3381% | 3,487 |
| Core capital (leverage) ratio | 11.0341% | 2,543 |
| Tier 1 risk-based capital ratio | 16.5136% | 2,259 |
| Total risk-based capital ratio | 17.6422% | 2,249 |
| Memoranda: | ||
| Average total assets | $33,427,000 | 5,155 |
| Average earning assets | $29,060,500 | 5,168 |
| Average equity | $3,371,500 | 5,212 |
| Average total loans | $17,020,500 | 5,105 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,717 |
| Cost of funding earning assets | 0.7825% | 1,624 |
| Net interest margin | 3.3257% | 4,189 |
| Noninterest income to average assets | 0.2760% | 4,257 |
| Noninterest expense to average assets | 3.1566% | 1,654 |
| Loan and lease loss provision to assets | -1.1269% | 5,401 |
| Net operating income to assets | 1.1298% | 2,475 |
| Return on assets (ROA) | 1.1298% | 2,474 |
| Pretax return on assets | 1.1298% | 3,171 |
| Return on Equity (ROE) | 12.6946% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.6946% | 263 |
| Net charge-offs to loans | -1.4780% | 5,366 |
| Credit loss provision to net charge-offs | 158.7045% | 1,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9090% | 142 |
| Assets per employee ($millions) | 4.8011% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,620 |
| Loan loss allowance to noncurrent loans | 155.4839% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 2,719 |
| Noncurrent loans to loans | 0.9028% | 1,775 |
| Net loans and leases to total assets | 50.3690% | 4,497 |
| Net loans and leases to deposits | 62.1987% | 4,364 |
| Net loans and leases to core deposits | 62.1987% | 4,529 |
| Total domestic deposits to total assets | 80.9807% | 3,890 |
| Equity capital to assets | 9.8369% | 3,829 |
| Core capital (leverage) ratio | 10.4666% | 3,068 |
| Tier 1 risk-based capital ratio | 16.3251% | 2,296 |
| Total risk-based capital ratio | 17.4153% | 2,297 |
| Memoranda: | ||
| Average total assets | $34,784,200 | 5,174 |
| Average earning assets | $30,159,000 | 5,195 |
| Average equity | $3,095,800 | 5,276 |
| Average total loans | $16,711,800 | 5,156 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,883 |
| Cost of funding earning assets | 0.7165% | 1,763 |
| Net interest margin | 3.2966% | 4,284 |
| Noninterest income to average assets | 0.2775% | 4,297 |
| Noninterest expense to average assets | 3.0256% | 1,938 |
| Loan and lease loss provision to assets | -1.3835% | 5,474 |
| Net operating income to assets | 1.4862% | 1,232 |
| Return on assets (ROA) | 1.4862% | 1,230 |
| Pretax return on assets | 1.4862% | 1,945 |
| Return on Equity (ROE) | 17.1304% | 531 |
| Retained earnings to average equity (ytd only) | 17.1304% | 104 |
| Net charge-offs to loans | -1.9360% | 5,437 |
| Credit loss provision to net charge-offs | 151.0373% | 1,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7193% | 191 |
| Assets per employee ($millions) | 4.8867% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,259 |
| Loan loss allowance to noncurrent loans | 496.2264% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,182 |
| Noncurrent loans to loans | 0.3079% | 3,569 |
| Net loans and leases to total assets | 49.5454% | 4,631 |
| Net loans and leases to deposits | 59.6740% | 4,568 |
| Net loans and leases to core deposits | 59.6740% | 4,717 |
| Total domestic deposits to total assets | 83.0269% | 3,301 |
| Equity capital to assets | 9.3577% | 4,219 |
| Core capital (leverage) ratio | 10.3262% | 3,259 |
| Tier 1 risk-based capital ratio | 16.3175% | 2,330 |
| Total risk-based capital ratio | 17.5076% | 2,297 |
| Memoranda: | ||
| Average total assets | $35,078,250 | 5,241 |
| Average earning assets | $30,333,500 | 5,262 |
| Average equity | $3,043,250 | 5,345 |
| Average total loans | $16,597,500 | 5,223 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 3,706 |
| Cost of funding earning assets | 0.6284% | 2,055 |
| Net interest margin | 3.3975% | 3,961 |
| Noninterest income to average assets | 0.2827% | 4,291 |
| Noninterest expense to average assets | 3.0303% | 1,966 |
| Loan and lease loss provision to assets | -1.8431% | 5,540 |
| Net operating income to assets | 2.0296% | 358 |
| Return on assets (ROA) | 2.0296% | 356 |
| Pretax return on assets | 2.0296% | 572 |
| Return on Equity (ROE) | 23.9493% | 109 |
| Retained earnings to average equity (ytd only) | 23.9493% | 32 |
| Net charge-offs to loans | -4.0605% | 5,505 |
| Credit loss provision to net charge-offs | 97.6048% | 2,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2004% | 259 |
| Assets per employee ($millions) | 5.0719% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2744% | 330 |
| Loan loss allowance to noncurrent loans | 716.3636% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,218 |
| Noncurrent loans to loans | 0.3175% | 3,572 |
| Net loans and leases to total assets | 47.6833% | 4,737 |
| Net loans and leases to deposits | 56.5035% | 4,722 |
| Net loans and leases to core deposits | 57.6228% | 4,810 |
| Total domestic deposits to total assets | 84.3901% | 2,918 |
| Equity capital to assets | 8.9260% | 4,615 |
| Core capital (leverage) ratio | 10.3492% | 3,185 |
| Tier 1 risk-based capital ratio | 13.3677% | 3,696 |
| Total risk-based capital ratio | 14.6207% | 3,615 |
| Memoranda: | ||
| Average total assets | $35,376,000 | 5,299 |
| Average earning assets | $30,551,670 | 5,323 |
| Average equity | $2,998,000 | 5,413 |
| Average total loans | $16,451,000 | 5,286 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 4,052 |
| Cost of funding earning assets | 0.5154% | 2,675 |
| Net interest margin | 3.3437% | 4,070 |
| Noninterest income to average assets | 0.2945% | 4,191 |
| Noninterest expense to average assets | 2.9678% | 2,149 |
| Loan and lease loss provision to assets | 0.7023% | 138 |
| Net operating income to assets | -0.5097% | 5,495 |
| Return on assets (ROA) | -0.5097% | 5,491 |
| Pretax return on assets | -0.5097% | 5,495 |
| Return on Equity (ROE) | -6.1803% | 5,514 |
| Retained earnings to average equity (ytd only) | -6.1803% | 5,257 |
| Net charge-offs to loans | 0.0999% | 1,188 |
| Credit loss provision to net charge-offs | 1,550.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 2,315 |
| Efficiency ratio | 93.9068% | 301 |
| Assets per employee ($millions) | 4.8659% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7867% | 194 |
| Loan loss allowance to noncurrent loans | 66.7669% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 591 |
| Noncurrent loans to loans | 4.1737% | 228 |
| Net loans and leases to total assets | 45.4743% | 4,820 |
| Net loans and leases to deposits | 54.8186% | 4,754 |
| Net loans and leases to core deposits | 55.9695% | 4,844 |
| Total domestic deposits to total assets | 82.9541% | 3,682 |
| Equity capital to assets | 8.2235% | 5,164 |
| Core capital (leverage) ratio | 9.2552% | 4,374 |
| Tier 1 risk-based capital ratio | 14.1366% | 3,308 |
| Total risk-based capital ratio | 15.3942% | 3,228 |
| Memoranda: | ||
| Average total assets | $35,312,500 | 5,358 |
| Average earning assets | $30,265,500 | 5,384 |
| Average equity | $2,912,500 | 5,475 |
| Average total loans | $16,015,000 | 5,354 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 4,464 |
| Cost of funding earning assets | 0.5065% | 2,273 |
| Net interest margin | 3.1381% | 4,608 |
| Noninterest income to average assets | 0.2831% | 4,434 |
| Noninterest expense to average assets | 2.8952% | 2,473 |
| Loan and lease loss provision to assets | 1.1565% | 82 |
| Net operating income to assets | -1.0298% | 5,591 |
| Return on assets (ROA) | -0.9570% | 5,581 |
| Pretax return on assets | -0.9570% | 5,592 |
| Return on Equity (ROE) | -11.7154% | 5,604 |
| Retained earnings to average equity (ytd only) | -11.7154% | 5,559 |
| Net charge-offs to loans | 3.9685% | 23 |
| Credit loss provision to net charge-offs | 67.0313% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.0734% | 4,013 |
| Efficiency ratio | 95.8073% | 254 |
| Assets per employee ($millions) | 6.0940% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 281 |
| Loan loss allowance to noncurrent loans | 126.9737% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 1,876 |
| Noncurrent loans to loans | 1.8886% | 829 |
| Net loans and leases to total assets | 42.9685% | 5,035 |
| Net loans and leases to deposits | 52.1856% | 4,975 |
| Net loans and leases to core deposits | 53.2125% | 5,034 |
| Total domestic deposits to total assets | 82.3378% | 3,775 |
| Equity capital to assets | 8.2704% | 5,273 |
| Core capital (leverage) ratio | 9.1742% | 4,428 |
| Tier 1 risk-based capital ratio | 13.7683% | 3,484 |
| Total risk-based capital ratio | 15.0227% | 3,400 |
| Memoranda: | ||
| Average total assets | $37,095,800 | 5,376 |
| Average earning assets | $32,376,200 | 5,398 |
| Average equity | $3,030,200 | 5,525 |
| Average total loans | $16,126,800 | 5,416 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 4,505 |
| Cost of funding earning assets | 0.5085% | 2,198 |
| Net interest margin | 3.1164% | 4,670 |
| Noninterest income to average assets | 0.2865% | 4,476 |
| Noninterest expense to average assets | 2.8078% | 2,695 |
| Loan and lease loss provision to assets | 1.4540% | 62 |
| Net operating income to assets | -1.2320% | 5,685 |
| Return on assets (ROA) | -1.1353% | 5,681 |
| Pretax return on assets | -1.1353% | 5,672 |
| Return on Equity (ROE) | -13.9411% | 5,695 |
| Retained earnings to average equity (ytd only) | -13.9411% | 5,654 |
| Net charge-offs to loans | 2.4626% | 57 |
| Credit loss provision to net charge-offs | 136.2416% | 1,812 |
| Earnings coverage of net charge-offs (x) | 0.2080% | 3,685 |
| Efficiency ratio | 92.6714% | 324 |
| Assets per employee ($millions) | 5.9458% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5311% | 49 |
| Loan loss allowance to noncurrent loans | 119.8980% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 882 |
| Noncurrent loans to loans | 3.7792% | 274 |
| Net loans and leases to total assets | 41.6370% | 5,127 |
| Net loans and leases to deposits | 48.2570% | 5,179 |
| Net loans and leases to core deposits | 49.1854% | 5,228 |
| Total domestic deposits to total assets | 86.2817% | 2,188 |
| Equity capital to assets | 8.9362% | 4,970 |
| Core capital (leverage) ratio | 9.0935% | 4,638 |
| Tier 1 risk-based capital ratio | 14.3766% | 3,252 |
| Total risk-based capital ratio | 15.6494% | 3,158 |
| Memoranda: | ||
| Average total assets | $37,228,750 | 5,435 |
| Average earning assets | $32,771,750 | 5,448 |
| Average equity | $3,031,750 | 5,588 |
| Average total loans | $16,134,250 | 5,478 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 4,467 |
| Cost of funding earning assets | 0.5058% | 2,122 |
| Net interest margin | 3.1129% | 4,644 |
| Noninterest income to average assets | 0.2967% | 4,414 |
| Noninterest expense to average assets | 2.8506% | 2,583 |
| Loan and lease loss provision to assets | 2.4108% | 32 |
| Net operating income to assets | -2.2254% | 5,760 |
| Return on assets (ROA) | -2.2095% | 5,759 |
| Pretax return on assets | -2.2095% | 5,758 |
| Return on Equity (ROE) | -27.9897% | 5,766 |
| Retained earnings to average equity (ytd only) | -27.9897% | 5,743 |
| Net charge-offs to loans | 3.6506% | 31 |
| Credit loss provision to net charge-offs | 152.6846% | 1,503 |
| Earnings coverage of net charge-offs (x) | 0.1174% | 3,405 |
| Efficiency ratio | 93.8918% | 313 |
| Assets per employee ($millions) | 6.0635% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8016% | 50 |
| Loan loss allowance to noncurrent loans | 138.0952% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5008% | 1,016 |
| Noncurrent loans to loans | 3.4770% | 334 |
| Net loans and leases to total assets | 41.0901% | 5,188 |
| Net loans and leases to deposits | 48.9409% | 5,176 |
| Net loans and leases to core deposits | 49.8882% | 5,228 |
| Total domestic deposits to total assets | 83.9587% | 3,213 |
| Equity capital to assets | 7.6936% | 5,620 |
| Core capital (leverage) ratio | 7.6482% | 5,621 |
| Tier 1 risk-based capital ratio | 12.8467% | 4,091 |
| Total risk-based capital ratio | 14.1210% | 3,994 |
| Memoranda: | ||
| Average total assets | $37,746,670 | 5,469 |
| Average earning assets | $33,216,330 | 5,488 |
| Average equity | $2,979,670 | 5,640 |
| Average total loans | $16,326,000 | 5,520 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5185% | 4,642 |
| Cost of funding earning assets | 0.4825% | 2,228 |
| Net interest margin | 3.0361% | 4,814 |
| Noninterest income to average assets | 0.3123% | 4,318 |
| Noninterest expense to average assets | 2.8103% | 2,759 |
| Loan and lease loss provision to assets | 0.0833% | 2,149 |
| Net operating income to assets | 0.1041% | 5,508 |
| Return on assets (ROA) | 0.1041% | 5,513 |
| Pretax return on assets | 0.1041% | 5,511 |
| Return on Equity (ROE) | 1.3029% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.3029% | 4,562 |
| Net charge-offs to loans | -0.0481% | 5,168 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 393 |
| Assets per employee ($millions) | 6.3920% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7275% | 99 |
| Loan loss allowance to noncurrent loans | 373.0061% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 3,482 |
| Noncurrent loans to loans | 0.9993% | 2,050 |
| Net loans and leases to total assets | 40.9444% | 5,211 |
| Net loans and leases to deposits | 49.6083% | 5,151 |
| Net loans and leases to core deposits | 50.5342% | 5,199 |
| Total domestic deposits to total assets | 82.5355% | 3,997 |
| Equity capital to assets | 8.1378% | 5,453 |
| Core capital (leverage) ratio | 8.5267% | 5,211 |
| Tier 1 risk-based capital ratio | 14.3288% | 3,299 |
| Total risk-based capital ratio | 15.5952% | 3,203 |
| Memoranda: | ||
| Average total assets | $38,429,500 | 5,515 |
| Average earning assets | $33,991,500 | 5,538 |
| Average equity | $3,070,000 | 5,694 |
| Average total loans | $16,637,500 | 5,565 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 4,727 |
| Cost of funding earning assets | 0.4823% | 2,236 |
| Net interest margin | 3.0399% | 4,874 |
| Noninterest income to average assets | 0.2848% | 4,704 |
| Noninterest expense to average assets | 2.8257% | 2,941 |
| Loan and lease loss provision to assets | 2.2586% | 32 |
| Net operating income to assets | -2.0912% | 5,880 |
| Return on assets (ROA) | -2.0912% | 5,880 |
| Pretax return on assets | -2.0912% | 5,877 |
| Return on Equity (ROE) | -24.4123% | 5,880 |
| Retained earnings to average equity (ytd only) | -24.4123% | 5,870 |
| Net charge-offs to loans | 3.3210% | 34 |
| Credit loss provision to net charge-offs | 152.4452% | 1,795 |
| Earnings coverage of net charge-offs (x) | 0.1130% | 4,130 |
| Efficiency ratio | 94.4073% | 367 |
| Assets per employee ($millions) | 5.5010% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5192% | 112 |
| Loan loss allowance to noncurrent loans | 176.6272% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 2,153 |
| Noncurrent loans to loans | 1.9925% | 904 |
| Net loans and leases to total assets | 42.5040% | 5,211 |
| Net loans and leases to deposits | 49.8477% | 5,218 |
| Net loans and leases to core deposits | 52.3660% | 5,213 |
| Total domestic deposits to total assets | 85.2676% | 2,938 |
| Equity capital to assets | 7.8401% | 5,624 |
| Core capital (leverage) ratio | 8.3198% | 5,422 |
| Tier 1 risk-based capital ratio | 14.0506% | 3,437 |
| Total risk-based capital ratio | 15.3182% | 3,343 |
| Memoranda: | ||
| Average total assets | $40,025,400 | 5,545 |
| Average earning assets | $35,658,800 | 5,549 |
| Average equity | $3,428,600 | 5,710 |
| Average total loans | $17,856,200 | 5,579 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 4,743 |
| Cost of funding earning assets | 0.4733% | 2,338 |
| Net interest margin | 3.0506% | 4,897 |
| Noninterest income to average assets | 0.2904% | 4,692 |
| Noninterest expense to average assets | 2.8379% | 2,878 |
| Loan and lease loss provision to assets | 2.7191% | 23 |
| Net operating income to assets | -2.5442% | 5,955 |
| Return on assets (ROA) | -2.5442% | 5,955 |
| Pretax return on assets | -2.5442% | 5,954 |
| Return on Equity (ROE) | -29.1127% | 5,956 |
| Retained earnings to average equity (ytd only) | -29.1127% | 5,940 |
| Net charge-offs to loans | 3.5399% | 28 |
| Credit loss provision to net charge-offs | 171.6667% | 1,624 |
| Earnings coverage of net charge-offs (x) | 0.1104% | 3,820 |
| Efficiency ratio | 94.1950% | 379 |
| Assets per employee ($millions) | 5.7244% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5977% | 106 |
| Loan loss allowance to noncurrent loans | 134.3284% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1704% | 1,715 |
| Noncurrent loans to loans | 2.6783% | 617 |
| Net loans and leases to total assets | 42.1277% | 5,288 |
| Net loans and leases to deposits | 51.5655% | 5,224 |
| Net loans and leases to core deposits | 54.1787% | 5,219 |
| Total domestic deposits to total assets | 81.6975% | 4,042 |
| Equity capital to assets | 8.8518% | 5,284 |
| Core capital (leverage) ratio | 8.5446% | 5,321 |
| Tier 1 risk-based capital ratio | 13.7777% | 3,684 |
| Total risk-based capital ratio | 15.0456% | 3,600 |
| Memoranda: | ||
| Average total assets | $40,405,000 | 5,592 |
| Average earning assets | $36,057,500 | 5,599 |
| Average equity | $3,531,000 | 5,754 |
| Average total loans | $18,079,250 | 5,629 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,546 |
| Cost of funding earning assets | 0.4713% | 2,359 |
| Net interest margin | 3.1441% | 4,707 |
| Noninterest income to average assets | 0.2912% | 4,705 |
| Noninterest expense to average assets | 3.0111% | 2,309 |
| Loan and lease loss provision to assets | 3.8700% | 13 |
| Net operating income to assets | -3.7911% | 6,044 |
| Return on assets (ROA) | -3.7911% | 6,044 |
| Pretax return on assets | -3.7911% | 6,042 |
| Return on Equity (ROE) | -43.5662% | 6,043 |
| Retained earnings to average equity (ytd only) | -43.5662% | 6,032 |
| Net charge-offs to loans | 5.2549% | 16 |
| Credit loss provision to net charge-offs | 163.3333% | 1,508 |
| Earnings coverage of net charge-offs (x) | 0.0333% | 3,559 |
| Efficiency ratio | 97.4441% | 303 |
| Assets per employee ($millions) | 5.4637% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4862% | 125 |
| Loan loss allowance to noncurrent loans | 111.3208% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 1,422 |
| Noncurrent loans to loans | 3.1316% | 455 |
| Net loans and leases to total assets | 42.7077% | 5,305 |
| Net loans and leases to deposits | 49.6791% | 5,350 |
| Net loans and leases to core deposits | 52.1836% | 5,356 |
| Total domestic deposits to total assets | 85.9672% | 2,435 |
| Equity capital to assets | 8.0714% | 5,781 |
| Core capital (leverage) ratio | 7.4054% | 5,894 |
| Tier 1 risk-based capital ratio | 11.0273% | 5,408 |
| Total risk-based capital ratio | 12.2880% | 5,323 |
| Memoranda: | ||
| Average total assets | $40,516,330 | 5,652 |
| Average earning assets | $36,068,000 | 5,662 |
| Average equity | $3,525,670 | 5,823 |
| Average total loans | $18,268,670 | 5,693 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 4,470 |
| Cost of funding earning assets | 0.4539% | 2,542 |
| Net interest margin | 3.1987% | 4,583 |
| Noninterest income to average assets | 0.2977% | 4,596 |
| Noninterest expense to average assets | 2.8234% | 2,979 |
| Loan and lease loss provision to assets | 0.0384% | 3,139 |
| Net operating income to assets | 0.2785% | 5,360 |
| Return on assets (ROA) | 0.2785% | 5,437 |
| Pretax return on assets | 0.2785% | 5,548 |
| Return on Equity (ROE) | 3.0975% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.0975% | 3,968 |
| Net charge-offs to loans | 0.0422% | 2,160 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,617 |
| Efficiency ratio | 89.9083% | 679 |
| Assets per employee ($millions) | 5.8216% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 1,831 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 3,182 |
| Noncurrent loans to loans | 1.3683% | 1,737 |
| Net loans and leases to total assets | 45.2063% | 5,172 |
| Net loans and leases to deposits | 56.7372% | 4,939 |
| Net loans and leases to core deposits | 59.6355% | 4,964 |
| Total domestic deposits to total assets | 79.6766% | 4,822 |
| Equity capital to assets | 9.3936% | 4,773 |
| Core capital (leverage) ratio | 9.0664% | 4,775 |
| Tier 1 risk-based capital ratio | 14.7039% | 3,284 |
| Total risk-based capital ratio | 15.8371% | 3,285 |
| Memoranda: | ||
| Average total assets | $41,651,500 | 5,683 |
| Average earning assets | $37,014,500 | 5,701 |
| Average equity | $3,745,000 | 5,851 |
| Average total loans | $18,941,000 | 5,721 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,056 |
| Cost of funding earning assets | 0.4380% | 2,756 |
| Net interest margin | 3.3572% | 4,089 |
| Noninterest income to average assets | 0.0835% | 5,918 |
| Noninterest expense to average assets | 3.0973% | 2,244 |
| Loan and lease loss provision to assets | 0.1020% | 2,282 |
| Net operating income to assets | -0.1484% | 5,947 |
| Return on assets (ROA) | -0.1484% | 5,962 |
| Pretax return on assets | -0.1484% | 5,948 |
| Return on Equity (ROE) | -1.7081% | 5,971 |
| Retained earnings to average equity (ytd only) | -1.7081% | 5,732 |
| Net charge-offs to loans | 0.2202% | 1,344 |
| Credit loss provision to net charge-offs | 95.6522% | 2,644 |
| Earnings coverage of net charge-offs (x) | -0.4348% | 4,303 |
| Efficiency ratio | 101.5198% | 253 |
| Assets per employee ($millions) | 6.0789% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 2,045 |
| Loan loss allowance to noncurrent loans | 111.7188% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 2,973 |
| Noncurrent loans to loans | 1.3353% | 1,766 |
| Net loans and leases to total assets | 44.3833% | 5,257 |
| Net loans and leases to deposits | 51.5195% | 5,308 |
| Net loans and leases to core deposits | 53.8369% | 5,326 |
| Total domestic deposits to total assets | 86.1487% | 2,575 |
| Equity capital to assets | 8.6059% | 5,460 |
| Core capital (leverage) ratio | 8.6302% | 5,303 |
| Tier 1 risk-based capital ratio | 14.1781% | 3,618 |
| Total risk-based capital ratio | 15.2719% | 3,629 |
| Memoranda: | ||
| Average total assets | $43,134,800 | 5,701 |
| Average earning assets | $38,126,800 | 5,726 |
| Average equity | $3,746,800 | 5,897 |
| Average total loans | $20,888,600 | 5,687 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7633% | 4,208 |
| Cost of funding earning assets | 0.4278% | 2,932 |
| Net interest margin | 3.3355% | 4,197 |
| Noninterest income to average assets | 0.0247% | 6,148 |
| Noninterest expense to average assets | 2.9974% | 2,538 |
| Loan and lease loss provision to assets | 0.1356% | 1,653 |
| Net operating income to assets | -0.1540% | 6,030 |
| Return on assets (ROA) | -0.1540% | 6,045 |
| Pretax return on assets | -0.1540% | 6,031 |
| Return on Equity (ROE) | -1.7694% | 6,057 |
| Retained earnings to average equity (ytd only) | -1.7694% | 5,832 |
| Net charge-offs to loans | 0.2877% | 921 |
| Credit loss provision to net charge-offs | 95.6522% | 2,375 |
| Earnings coverage of net charge-offs (x) | -0.1304% | 4,001 |
| Efficiency ratio | 100.6205% | 288 |
| Assets per employee ($millions) | 6.2493% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 2,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 3,948 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 45.4589% | 5,264 |
| Net loans and leases to deposits | 55.9365% | 5,129 |
| Net loans and leases to core deposits | 58.5296% | 5,159 |
| Total domestic deposits to total assets | 81.2687% | 4,406 |
| Equity capital to assets | 8.5313% | 5,697 |
| Core capital (leverage) ratio | 8.7550% | 5,294 |
| Tier 1 risk-based capital ratio | 13.7489% | 3,995 |
| Total risk-based capital ratio | 14.8025% | 4,037 |
| Memoranda: | ||
| Average total assets | $43,280,500 | 5,774 |
| Average earning assets | $38,334,500 | 5,799 |
| Average equity | $3,768,000 | 5,973 |
| Average total loans | $21,317,750 | 5,738 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 3,985 |
| Cost of funding earning assets | 0.4258% | 2,978 |
| Net interest margin | 3.3959% | 3,924 |
| Noninterest income to average assets | -0.1020% | 6,303 |
| Noninterest expense to average assets | 3.0423% | 2,419 |
| Loan and lease loss provision to assets | 0.2041% | 957 |
| Net operating income to assets | -0.3525% | 6,148 |
| Return on assets (ROA) | -0.3525% | 6,166 |
| Pretax return on assets | -0.3525% | 6,154 |
| Return on Equity (ROE) | -4.0212% | 6,177 |
| Retained earnings to average equity (ytd only) | -4.0212% | 5,976 |
| Net charge-offs to loans | 0.4240% | 606 |
| Credit loss provision to net charge-offs | 95.6522% | 2,136 |
| Earnings coverage of net charge-offs (x) | -0.6957% | 3,759 |
| Efficiency ratio | 105.1282% | 233 |
| Assets per employee ($millions) | 6.0919% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 3,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 4,036 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 49.6776% | 4,967 |
| Net loans and leases to deposits | 59.4472% | 4,896 |
| Net loans and leases to core deposits | 62.1998% | 4,936 |
| Total domestic deposits to total assets | 83.5659% | 3,736 |
| Equity capital to assets | 8.5665% | 5,623 |
| Core capital (leverage) ratio | 8.6054% | 5,436 |
| Tier 1 risk-based capital ratio | 13.4479% | 4,248 |
| Total risk-based capital ratio | 14.5008% | 4,303 |
| Memoranda: | ||
| Average total assets | $43,125,670 | 5,837 |
| Average earning assets | $38,046,000 | 5,861 |
| Average equity | $3,780,000 | 6,034 |
| Average total loans | $21,699,670 | 5,781 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 3,729 |
| Cost of funding earning assets | 0.3843% | 3,473 |
| Net interest margin | 3.4900% | 3,478 |
| Noninterest income to average assets | 0.1384% | 5,918 |
| Noninterest expense to average assets | 2.9331% | 2,797 |
| Loan and lease loss provision to assets | 0.3874% | 310 |
| Net operating income to assets | -0.0830% | 6,083 |
| Return on assets (ROA) | -0.0830% | 6,115 |
| Pretax return on assets | -0.0830% | 6,106 |
| Return on Equity (ROE) | -0.9366% | 6,124 |
| Retained earnings to average equity (ytd only) | -0.9366% | 5,548 |
| Net charge-offs to loans | 0.9168% | 261 |
| Credit loss provision to net charge-offs | 84.0000% | 1,791 |
| Earnings coverage of net charge-offs (x) | 0.6600% | 3,024 |
| Efficiency ratio | 90.5983% | 807 |
| Assets per employee ($millions) | 6.1726% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 3,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 2,995 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 49.9329% | 4,857 |
| Net loans and leases to deposits | 62.5979% | 4,518 |
| Net loans and leases to core deposits | 65.5974% | 4,559 |
| Total domestic deposits to total assets | 79.7676% | 5,101 |
| Equity capital to assets | 9.0192% | 5,265 |
| Core capital (leverage) ratio | 8.8545% | 5,132 |
| Tier 1 risk-based capital ratio | 13.3437% | 4,402 |
| Total risk-based capital ratio | 14.3369% | 4,482 |
| Memoranda: | ||
| Average total assets | $43,367,000 | 5,885 |
| Average earning assets | $38,509,500 | 5,906 |
| Average equity | $3,843,500 | 6,074 |
| Average total loans | $21,814,500 | 5,827 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 4,167 |
| Cost of funding earning assets | 0.4207% | 3,472 |
| Net interest margin | 3.4668% | 3,911 |
| Noninterest income to average assets | 0.2719% | 5,175 |
| Noninterest expense to average assets | 3.1361% | 2,400 |
| Loan and lease loss provision to assets | 0.6258% | 214 |
| Net operating income to assets | -0.4383% | 6,282 |
| Return on assets (ROA) | -0.4078% | 6,276 |
| Pretax return on assets | -0.4078% | 6,256 |
| Return on Equity (ROE) | -4.4943% | 6,279 |
| Retained earnings to average equity (ytd only) | -4.4943% | 6,161 |
| Net charge-offs to loans | 2.6768% | 50 |
| Credit loss provision to net charge-offs | 47.4245% | 3,540 |
| Earnings coverage of net charge-offs (x) | 0.1421% | 4,690 |
| Efficiency ratio | 94.3583% | 580 |
| Assets per employee ($millions) | 6.2401% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 3,281 |
| Loan loss allowance to noncurrent loans | 253.5088% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 1,776 |
| Noncurrent loans to loans | 0.5236% | 4,101 |
| Net loans and leases to total assets | 49.1861% | 5,045 |
| Net loans and leases to deposits | 61.1481% | 4,796 |
| Net loans and leases to core deposits | 64.0216% | 4,823 |
| Total domestic deposits to total assets | 80.4377% | 4,898 |
| Equity capital to assets | 9.0314% | 5,253 |
| Core capital (leverage) ratio | 8.9504% | 5,064 |
| Tier 1 risk-based capital ratio | 13.8326% | 4,215 |
| Total risk-based capital ratio | 14.8511% | 4,285 |
| Memoranda: | ||
| Average total assets | $42,665,000 | 5,961 |
| Average earning assets | $37,556,000 | 5,997 |
| Average equity | $3,871,600 | 6,117 |
| Average total loans | $21,032,400 | 5,919 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 4,267 |
| Cost of funding earning assets | 0.4180% | 3,599 |
| Net interest margin | 3.4545% | 3,999 |
| Noninterest income to average assets | 0.4590% | 3,833 |
| Noninterest expense to average assets | 3.2223% | 2,115 |
| Loan and lease loss provision to assets | 0.6508% | 199 |
| Net operating income to assets | -0.3773% | 6,332 |
| Return on assets (ROA) | -0.3773% | 6,336 |
| Pretax return on assets | -0.3741% | 6,320 |
| Return on Equity (ROE) | -4.1523% | 6,346 |
| Retained earnings to average equity (ytd only) | -4.1523% | 6,217 |
| Net charge-offs to loans | 3.4601% | 23 |
| Credit loss provision to net charge-offs | 38.2625% | 3,316 |
| Earnings coverage of net charge-offs (x) | 0.1627% | 4,426 |
| Efficiency ratio | 92.0934% | 705 |
| Assets per employee ($millions) | 6.2289% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 4,287 |
| Loan loss allowance to noncurrent loans | 50.5030% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.1949% | 1,261 |
| Noncurrent loans to loans | 2.3556% | 1,266 |
| Net loans and leases to total assets | 47.8143% | 5,224 |
| Net loans and leases to deposits | 59.8272% | 4,957 |
| Net loans and leases to core deposits | 62.6612% | 4,990 |
| Total domestic deposits to total assets | 79.9206% | 5,119 |
| Equity capital to assets | 9.0248% | 5,328 |
| Core capital (leverage) ratio | 9.3440% | 4,578 |
| Tier 1 risk-based capital ratio | 14.3828% | 3,959 |
| Total risk-based capital ratio | 15.2898% | 4,127 |
| Memoranda: | ||
| Average total assets | $42,411,000 | 6,043 |
| Average earning assets | $37,322,250 | 6,077 |
| Average equity | $3,853,250 | 6,187 |
| Average total loans | $20,847,000 | 5,988 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,247 |
| Cost of funding earning assets | 0.4227% | 3,626 |
| Net interest margin | 3.4518% | 3,972 |
| Noninterest income to average assets | 0.5141% | 3,376 |
| Noninterest expense to average assets | 3.2561% | 2,030 |
| Loan and lease loss provision to assets | 0.9854% | 108 |
| Net operating income to assets | -0.6950% | 6,482 |
| Return on assets (ROA) | -0.6950% | 6,480 |
| Pretax return on assets | -0.6950% | 6,468 |
| Return on Equity (ROE) | -7.6320% | 6,488 |
| Retained earnings to average equity (ytd only) | -7.6320% | 6,361 |
| Net charge-offs to loans | 4.8741% | 13 |
| Credit loss provision to net charge-offs | 40.9091% | 2,910 |
| Earnings coverage of net charge-offs (x) | 0.1206% | 4,110 |
| Efficiency ratio | 91.8121% | 774 |
| Assets per employee ($millions) | 4.6871% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 3,245 |
| Loan loss allowance to noncurrent loans | 60.5932% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0695% | 1,525 |
| Noncurrent loans to loans | 2.3442% | 1,366 |
| Net loans and leases to total assets | 47.0534% | 5,260 |
| Net loans and leases to deposits | 57.9076% | 5,050 |
| Net loans and leases to core deposits | 60.7988% | 5,072 |
| Total domestic deposits to total assets | 81.2559% | 4,895 |
| Equity capital to assets | 9.2571% | 5,025 |
| Core capital (leverage) ratio | 9.3771% | 4,493 |
| Tier 1 risk-based capital ratio | 14.5749% | 3,881 |
| Total risk-based capital ratio | 15.6294% | 3,944 |
| Memoranda: | ||
| Average total assets | $42,014,000 | 6,109 |
| Average earning assets | $36,908,330 | 6,149 |
| Average equity | $3,826,000 | 6,238 |
| Average total loans | $20,763,000 | 6,040 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 4,192 |
| Cost of funding earning assets | 0.4355% | 3,592 |
| Net interest margin | 3.4408% | 3,936 |
| Noninterest income to average assets | 0.6773% | 2,309 |
| Noninterest expense to average assets | 3.3390% | 1,856 |
| Loan and lease loss provision to assets | 1.9748% | 39 |
| Net operating income to assets | -1.6218% | 6,642 |
| Return on assets (ROA) | -1.6218% | 6,637 |
| Pretax return on assets | -1.6218% | 6,621 |
| Return on Equity (ROE) | -17.9585% | 6,617 |
| Retained earnings to average equity (ytd only) | -17.9585% | 6,506 |
| Net charge-offs to loans | 9.4131% | 2 |
| Credit loss provision to net charge-offs | 41.7339% | 2,286 |
| Earnings coverage of net charge-offs (x) | 0.0746% | 3,426 |
| Efficiency ratio | 90.4393% | 993 |
| Assets per employee ($millions) | 4.7556% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 3,253 |
| Loan loss allowance to noncurrent loans | 53.0466% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.2407% | 1,472 |
| Noncurrent loans to loans | 2.7848% | 1,202 |
| Net loans and leases to total assets | 46.1238% | 5,324 |
| Net loans and leases to deposits | 57.2153% | 5,015 |
| Net loans and leases to core deposits | 60.0505% | 5,031 |
| Total domestic deposits to total assets | 80.6145% | 5,348 |
| Equity capital to assets | 8.7079% | 5,440 |
| Core capital (leverage) ratio | 9.5123% | 4,261 |
| Tier 1 risk-based capital ratio | 14.0961% | 4,266 |
| Total risk-based capital ratio | 15.1578% | 4,334 |
| Memoranda: | ||
| Average total assets | $41,929,000 | 6,169 |
| Average earning assets | $36,736,000 | 6,214 |
| Average equity | $3,786,500 | 6,291 |
| Average total loans | $21,077,000 | 6,091 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 4,543 |
| Cost of funding earning assets | 0.7623% | 1,424 |
| Net interest margin | 3.1151% | 5,269 |
| Noninterest income to average assets | 0.4080% | 4,390 |
| Noninterest expense to average assets | 3.5050% | 1,637 |
| Loan and lease loss provision to assets | 1.1128% | 152 |
| Net operating income to assets | -1.4725% | 6,672 |
| Return on assets (ROA) | -1.3977% | 6,662 |
| Pretax return on assets | -1.3928% | 6,654 |
| Return on Equity (ROE) | -15.0883% | 6,646 |
| Retained earnings to average equity (ytd only) | -15.0883% | 6,619 |
| Net charge-offs to loans | 3.5332% | 53 |
| Credit loss provision to net charge-offs | 58.8010% | 3,604 |
| Earnings coverage of net charge-offs (x) | -0.1875% | 5,141 |
| Efficiency ratio | 111.2644% | 251 |
| Assets per employee ($millions) | 5.1323% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6450% | 703 |
| Loan loss allowance to noncurrent loans | 40.8234% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 4.0309% | 655 |
| Noncurrent loans to loans | 6.4792% | 284 |
| Net loans and leases to total assets | 52.4429% | 4,799 |
| Net loans and leases to deposits | 62.9168% | 4,622 |
| Net loans and leases to core deposits | 68.4860% | 4,452 |
| Total domestic deposits to total assets | 83.3528% | 4,410 |
| Equity capital to assets | 9.3672% | 4,591 |
| Core capital (leverage) ratio | 9.7882% | 3,854 |
| Tier 1 risk-based capital ratio | 13.6662% | 4,539 |
| Total risk-based capital ratio | 14.9262% | 4,485 |
| Memoranda: | ||
| Average total assets | $41,426,600 | 6,244 |
| Average earning assets | $36,468,000 | 6,274 |
| Average equity | $3,837,400 | 6,365 |
| Average total loans | $22,189,400 | 6,110 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 4,970 |
| Cost of funding earning assets | 0.8327% | 1,139 |
| Net interest margin | 2.9345% | 5,727 |
| Noninterest income to average assets | 0.3468% | 4,915 |
| Noninterest expense to average assets | 3.5164% | 1,579 |
| Loan and lease loss provision to assets | 1.0886% | 139 |
| Net operating income to assets | -1.6731% | 6,778 |
| Return on assets (ROA) | -1.5768% | 6,768 |
| Pretax return on assets | -1.5703% | 6,761 |
| Return on Equity (ROE) | -17.0693% | 6,754 |
| Retained earnings to average equity (ytd only) | -17.0693% | 6,732 |
| Net charge-offs to loans | 4.7190% | 24 |
| Credit loss provision to net charge-offs | 43.1298% | 3,647 |
| Earnings coverage of net charge-offs (x) | -0.2290% | 4,918 |
| Efficiency ratio | 119.6721% | 174 |
| Assets per employee ($millions) | 6.0914% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1446% | 1,421 |
| Loan loss allowance to noncurrent loans | 27.4896% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 4.6693% | 626 |
| Noncurrent loans to loans | 7.8015% | 231 |
| Net loans and leases to total assets | 49.3316% | 5,208 |
| Net loans and leases to deposits | 60.9586% | 4,868 |
| Net loans and leases to core deposits | 67.0759% | 4,615 |
| Total domestic deposits to total assets | 80.9264% | 5,234 |
| Equity capital to assets | 9.3199% | 4,779 |
| Core capital (leverage) ratio | 10.0933% | 3,532 |
| Tier 1 risk-based capital ratio | 14.8172% | 3,868 |
| Total risk-based capital ratio | 16.0702% | 3,821 |
| Memoranda: | ||
| Average total assets | $41,518,750 | 6,309 |
| Average earning assets | $36,665,750 | 6,337 |
| Average equity | $3,835,250 | 6,444 |
| Average total loans | $22,207,500 | 6,174 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 4,843 |
| Cost of funding earning assets | 0.8332% | 1,241 |
| Net interest margin | 2.9629% | 5,667 |
| Noninterest income to average assets | 0.4083% | 4,462 |
| Noninterest expense to average assets | 3.6699% | 1,301 |
| Loan and lease loss provision to assets | 1.6478% | 72 |
| Net operating income to assets | -2.3089% | 6,869 |
| Return on assets (ROA) | -2.1631% | 6,866 |
| Pretax return on assets | -2.1534% | 6,858 |
| Return on Equity (ROE) | -23.4890% | 6,840 |
| Retained earnings to average equity (ytd only) | -23.4890% | 6,819 |
| Net charge-offs to loans | 7.0039% | 16 |
| Credit loss provision to net charge-offs | 43.1298% | 3,358 |
| Earnings coverage of net charge-offs (x) | -0.1705% | 4,610 |
| Efficiency ratio | 121.5781% | 169 |
| Assets per employee ($millions) | 5.0816% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,542 |
| Loan loss allowance to noncurrent loans | 36.1569% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 4.4228% | 748 |
| Noncurrent loans to loans | 5.9225% | 487 |
| Net loans and leases to total assets | 51.8215% | 4,884 |
| Net loans and leases to deposits | 61.2199% | 4,833 |
| Net loans and leases to core deposits | 67.8989% | 4,510 |
| Total domestic deposits to total assets | 84.6481% | 4,061 |
| Equity capital to assets | 8.2503% | 6,021 |
| Core capital (leverage) ratio | 8.4740% | 5,699 |
| Tier 1 risk-based capital ratio | 12.6905% | 5,361 |
| Total risk-based capital ratio | 13.9469% | 5,296 |
| Memoranda: | ||
| Average total assets | $41,145,000 | 6,370 |
| Average earning assets | $36,247,670 | 6,392 |
| Average equity | $3,789,000 | 6,499 |
| Average total loans | $22,444,670 | 6,195 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,830 |
| Cost of funding earning assets | 0.8918% | 1,027 |
| Net interest margin | 2.9068% | 5,798 |
| Noninterest income to average assets | 0.3672% | 4,735 |
| Noninterest expense to average assets | 3.4114% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5122% | 6,676 |
| Return on assets (ROA) | -0.5122% | 6,701 |
| Pretax return on assets | -0.4929% | 6,673 |
| Return on Equity (ROE) | -5.2914% | 6,704 |
| Retained earnings to average equity (ytd only) | -5.2914% | 6,382 |
| Net charge-offs to loans | 4.7505% | 49 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.1875% | 3,869 |
| Efficiency ratio | 116.8874% | 241 |
| Assets per employee ($millions) | 4.6650% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8047% | 817 |
| Loan loss allowance to noncurrent loans | 26.5332% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 5.7640% | 579 |
| Noncurrent loans to loans | 10.5706% | 188 |
| Net loans and leases to total assets | 52.4949% | 4,622 |
| Net loans and leases to deposits | 64.7797% | 4,213 |
| Net loans and leases to core deposits | 78.2837% | 3,021 |
| Total domestic deposits to total assets | 81.0361% | 5,484 |
| Equity capital to assets | 9.4891% | 4,864 |
| Core capital (leverage) ratio | 9.6001% | 3,927 |
| Tier 1 risk-based capital ratio | 14.5200% | 4,157 |
| Total risk-based capital ratio | 15.7834% | 4,115 |
| Memoranda: | ||
| Average total assets | $41,391,000 | 6,425 |
| Average earning assets | $36,329,000 | 6,456 |
| Average equity | $4,006,500 | 6,516 |
| Average total loans | $22,903,000 | 6,226 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 3,930 |
| Cost of funding earning assets | 0.9807% | 1,464 |
| Net interest margin | 3.3929% | 4,909 |
| Noninterest income to average assets | 0.2325% | 5,783 |
| Noninterest expense to average assets | 3.2058% | 2,590 |
| Loan and lease loss provision to assets | 0.9143% | 489 |
| Net operating income to assets | -0.8963% | 6,710 |
| Return on assets (ROA) | -0.5576% | 6,629 |
| Pretax return on assets | -0.5576% | 6,599 |
| Return on Equity (ROE) | -5.8509% | 6,622 |
| Retained earnings to average equity (ytd only) | -5.8509% | 6,474 |
| Net charge-offs to loans | 0.1877% | 3,875 |
| Credit loss provision to net charge-offs | 920.4545% | 274 |
| Earnings coverage of net charge-offs (x) | 0.1818% | 5,392 |
| Efficiency ratio | 99.4398% | 581 |
| Assets per employee ($millions) | 4.5330% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9256% | 301 |
| Loan loss allowance to noncurrent loans | 35.1257% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 6.3363% | 526 |
| Noncurrent loans to loans | 11.1760% | 178 |
| Net loans and leases to total assets | 54.4697% | 4,553 |
| Net loans and leases to deposits | 64.3258% | 4,496 |
| Net loans and leases to core deposits | 98.7381% | 1,092 |
| Total domestic deposits to total assets | 84.6778% | 3,999 |
| Equity capital to assets | 9.8757% | 4,345 |
| Core capital (leverage) ratio | 9.4250% | 4,221 |
| Tier 1 risk-based capital ratio | 14.6422% | 3,938 |
| Total risk-based capital ratio | 15.9177% | 3,881 |
| Memoranda: | ||
| Average total assets | $44,294,800 | 6,368 |
| Average earning assets | $39,052,400 | 6,392 |
| Average equity | $4,221,600 | 6,518 |
| Average total loans | $23,440,000 | 6,269 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 3,780 |
| Cost of funding earning assets | 0.9848% | 1,652 |
| Net interest margin | 3.4753% | 4,730 |
| Noninterest income to average assets | 0.1004% | 6,615 |
| Noninterest expense to average assets | 3.1909% | 2,593 |
| Loan and lease loss provision to assets | 0.3188% | 2,071 |
| Net operating income to assets | -0.3483% | 6,614 |
| Return on assets (ROA) | -0.0325% | 6,445 |
| Pretax return on assets | -0.0207% | 6,417 |
| Return on Equity (ROE) | -0.3436% | 6,444 |
| Retained earnings to average equity (ytd only) | -0.3436% | 6,148 |
| Net charge-offs to loans | 0.2835% | 3,024 |
| Credit loss provision to net charge-offs | 216.0000% | 1,288 |
| Earnings coverage of net charge-offs (x) | -0.1200% | 5,390 |
| Efficiency ratio | 100.5581% | 516 |
| Assets per employee ($millions) | 4.8200% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6362% | 1,045 |
| Loan loss allowance to noncurrent loans | 47.4882% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.9368% | 1,783 |
| Noncurrent loans to loans | 5.5512% | 773 |
| Net loans and leases to total assets | 51.5099% | 5,115 |
| Net loans and leases to deposits | 63.4351% | 4,783 |
| Net loans and leases to core deposits | 66.3864% | 4,912 |
| Total domestic deposits to total assets | 81.2010% | 5,297 |
| Equity capital to assets | 10.1821% | 4,231 |
| Core capital (leverage) ratio | 9.7350% | 3,897 |
| Tier 1 risk-based capital ratio | 15.3527% | 3,621 |
| Total risk-based capital ratio | 16.6147% | 3,571 |
| Memoranda: | ||
| Average total assets | $45,169,250 | 6,421 |
| Average earning assets | $39,938,250 | 6,439 |
| Average equity | $4,269,750 | 6,579 |
| Average total loans | $23,517,500 | 6,349 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 3,981 |
| Cost of funding earning assets | 0.9935% | 1,801 |
| Net interest margin | 3.4550% | 4,858 |
| Noninterest income to average assets | 0.1792% | 6,289 |
| Noninterest expense to average assets | 3.1377% | 2,789 |
| Loan and lease loss provision to assets | 0.4152% | 1,580 |
| Net operating income to assets | -0.2770% | 6,597 |
| Return on assets (ROA) | 0.0918% | 6,333 |
| Pretax return on assets | 0.1049% | 6,319 |
| Return on Equity (ROE) | 0.9951% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.9951% | 5,678 |
| Net charge-offs to loans | 0.4303% | 2,319 |
| Credit loss provision to net charge-offs | 186.2745% | 1,519 |
| Earnings coverage of net charge-offs (x) | 0.4314% | 4,860 |
| Efficiency ratio | 97.0270% | 656 |
| Assets per employee ($millions) | 5.4888% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5087% | 1,269 |
| Loan loss allowance to noncurrent loans | 42.4569% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 3.4616% | 1,541 |
| Noncurrent loans to loans | 5.9088% | 758 |
| Net loans and leases to total assets | 52.3047% | 5,058 |
| Net loans and leases to deposits | 63.0459% | 4,874 |
| Net loans and leases to core deposits | 66.3518% | 4,957 |
| Total domestic deposits to total assets | 82.9629% | 4,770 |
| Equity capital to assets | 9.9727% | 4,372 |
| Core capital (leverage) ratio | 9.5528% | 4,075 |
| Tier 1 risk-based capital ratio | 15.5425% | 3,415 |
| Total risk-based capital ratio | 16.8030% | 3,366 |
| Memoranda: | ||
| Average total assets | $45,765,670 | 6,443 |
| Average earning assets | $40,463,000 | 6,461 |
| Average equity | $4,220,670 | 6,625 |
| Average total loans | $23,706,670 | 6,380 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 4,872 |
| Cost of funding earning assets | 0.9671% | 2,182 |
| Net interest margin | 3.2977% | 5,491 |
| Noninterest income to average assets | 0.0942% | 6,776 |
| Noninterest expense to average assets | 2.9983% | 3,256 |
| Loan and lease loss provision to assets | 0.7110% | 728 |
| Net operating income to assets | -0.7110% | 6,921 |
| Return on assets (ROA) | -0.2399% | 6,716 |
| Pretax return on assets | -0.2227% | 6,681 |
| Return on Equity (ROE) | -2.7043% | 6,739 |
| Retained earnings to average equity (ytd only) | -2.7043% | 6,365 |
| Net charge-offs to loans | 0.8074% | 1,274 |
| Credit loss provision to net charge-offs | 172.9167% | 1,477 |
| Earnings coverage of net charge-offs (x) | 0.0417% | 4,347 |
| Efficiency ratio | 99.4318% | 572 |
| Assets per employee ($millions) | 5.6933% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5004% | 1,355 |
| Loan loss allowance to noncurrent loans | 43.9909% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.1968% | 1,814 |
| Noncurrent loans to loans | 5.6840% | 922 |
| Net loans and leases to total assets | 49.8265% | 5,331 |
| Net loans and leases to deposits | 58.3348% | 5,338 |
| Net loans and leases to core deposits | 61.6601% | 5,363 |
| Total domestic deposits to total assets | 85.4147% | 3,829 |
| Equity capital to assets | 9.0392% | 5,436 |
| Core capital (leverage) ratio | 8.5597% | 5,497 |
| Tier 1 risk-based capital ratio | 14.5319% | 4,081 |
| Total risk-based capital ratio | 15.7945% | 4,027 |
| Memoranda: | ||
| Average total assets | $46,693,500 | 6,467 |
| Average earning assets | $41,362,500 | 6,479 |
| Average equity | $4,141,500 | 6,682 |
| Average total loans | $23,781,000 | 6,429 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 3,033 |
| Cost of funding earning assets | 1.2456% | 1,757 |
| Net interest margin | 3.7225% | 4,193 |
| Noninterest income to average assets | 0.1659% | 6,301 |
| Noninterest expense to average assets | 2.6093% | 5,058 |
| Loan and lease loss provision to assets | 0.1056% | 5,267 |
| Net operating income to assets | 0.8043% | 3,021 |
| Return on assets (ROA) | 1.0450% | 2,174 |
| Pretax return on assets | 1.0644% | 2,985 |
| Return on Equity (ROE) | 12.3084% | 1,331 |
| Retained earnings to average equity (ytd only) | 7.3597% | 1,336 |
| Net charge-offs to loans | 0.0528% | 5,790 |
| Credit loss provision to net charge-offs | 376.9231% | 619 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 782 |
| Efficiency ratio | 73.8415% | 3,262 |
| Assets per employee ($millions) | 5.9801% | 1,241 |
| Cash dividends to net income (ytd only)* | 40.2062% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 1,707 |
| Loan loss allowance to noncurrent loans | 50.9786% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.5459% | 2,383 |
| Noncurrent loans to loans | 4.4182% | 1,360 |
| Net loans and leases to total assets | 49.6206% | 5,642 |
| Net loans and leases to deposits | 59.1346% | 5,583 |
| Net loans and leases to core deposits | 65.8228% | 5,267 |
| Total domestic deposits to total assets | 83.9113% | 4,344 |
| Equity capital to assets | 8.7080% | 5,886 |
| Core capital (leverage) ratio | 8.4252% | 5,677 |
| Tier 1 risk-based capital ratio | 14.0517% | 4,289 |
| Total risk-based capital ratio | 15.3100% | 4,234 |
| Memoranda: | ||
| Average total assets | $46,411,800 | 6,471 |
| Average earning assets | $41,987,400 | 6,463 |
| Average equity | $3,940,400 | 6,768 |
| Average total loans | $24,624,000 | 6,438 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 2,592 |
| Cost of funding earning assets | 1.2980% | 1,718 |
| Net interest margin | 3.8051% | 3,851 |
| Noninterest income to average assets | 0.1795% | 6,302 |
| Noninterest expense to average assets | 2.6808% | 4,799 |
| Loan and lease loss provision to assets | 0.0232% | 6,158 |
| Net operating income to assets | 0.9295% | 2,623 |
| Return on assets (ROA) | 1.2304% | 1,677 |
| Pretax return on assets | 1.2420% | 2,481 |
| Return on Equity (ROE) | 14.5893% | 928 |
| Retained earnings to average equity (ytd only) | 11.5000% | 553 |
| Net charge-offs to loans | 0.0486% | 5,504 |
| Credit loss provision to net charge-offs | 88.8889% | 3,806 |
| Earnings coverage of net charge-offs (x) | 36.8883% | 815 |
| Efficiency ratio | 73.6089% | 3,256 |
| Assets per employee ($millions) | 5.3964% | 1,699 |
| Cash dividends to net income (ytd only)* | 21.1771% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 2,156 |
| Loan loss allowance to noncurrent loans | 67.3712% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.8572% | 3,321 |
| Noncurrent loans to loans | 3.0669% | 2,259 |
| Net loans and leases to total assets | 49.7715% | 5,734 |
| Net loans and leases to deposits | 60.1693% | 5,610 |
| Net loans and leases to core deposits | 67.4338% | 5,250 |
| Total domestic deposits to total assets | 82.7191% | 4,785 |
| Equity capital to assets | 9.0162% | 5,740 |
| Core capital (leverage) ratio | 8.6076% | 5,538 |
| Tier 1 risk-based capital ratio | 14.4543% | 4,008 |
| Total risk-based capital ratio | 15.7127% | 3,972 |
| Memoranda: | ||
| Average total assets | $46,054,500 | 6,536 |
| Average earning assets | $41,908,250 | 6,517 |
| Average equity | $3,884,000 | 6,837 |
| Average total loans | $24,708,500 | 6,496 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 2,377 |
| Cost of funding earning assets | 1.3485% | 1,659 |
| Net interest margin | 3.8216% | 3,680 |
| Noninterest income to average assets | 0.1769% | 6,390 |
| Noninterest expense to average assets | 2.7600% | 4,591 |
| Loan and lease loss provision to assets | 0.0088% | 6,152 |
| Net operating income to assets | 0.8680% | 2,781 |
| Return on assets (ROA) | 0.9731% | 2,445 |
| Pretax return on assets | 0.9864% | 3,284 |
| Return on Equity (ROE) | 11.8311% | 1,545 |
| Retained earnings to average equity (ytd only) | 8.6045% | 1,233 |
| Net charge-offs to loans | 0.0243% | 5,491 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 494 |
| Efficiency ratio | 75.6364% | 3,079 |
| Assets per employee ($millions) | 5.1326% | 1,951 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 2,147 |
| Loan loss allowance to noncurrent loans | 66.9291% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.9743% | 3,270 |
| Noncurrent loans to loans | 3.1162% | 2,317 |
| Net loans and leases to total assets | 51.8325% | 5,592 |
| Net loans and leases to deposits | 60.3189% | 5,697 |
| Net loans and leases to core deposits | 68.1787% | 5,279 |
| Total domestic deposits to total assets | 85.9308% | 3,365 |
| Equity capital to assets | 8.8130% | 5,804 |
| Core capital (leverage) ratio | 8.5623% | 5,456 |
| Tier 1 risk-based capital ratio | 13.8504% | 4,271 |
| Total risk-based capital ratio | 15.1072% | 4,234 |
| Memoranda: | ||
| Average total assets | $45,216,670 | 6,618 |
| Average earning assets | $41,082,000 | 6,596 |
| Average equity | $3,719,000 | 6,920 |
| Average total loans | $24,717,000 | 6,552 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 2,531 |
| Cost of funding earning assets | 1.3775% | 1,726 |
| Net interest margin | 3.7489% | 3,842 |
| Noninterest income to average assets | 0.2057% | 6,260 |
| Noninterest expense to average assets | 2.9511% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6535% | 3,733 |
| Return on assets (ROA) | 0.7154% | 3,512 |
| Pretax return on assets | 0.7244% | 4,201 |
| Return on Equity (ROE) | 9.0319% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.6449% | 2,826 |
| Net charge-offs to loans | 0.0161% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 417 |
| Efficiency ratio | 81.6832% | 2,274 |
| Assets per employee ($millions) | 5.0036% | 2,156 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 2,249 |
| Loan loss allowance to noncurrent loans | 67.1937% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.0186% | 3,297 |
| Noncurrent loans to loans | 3.0795% | 2,439 |
| Net loans and leases to total assets | 53.5997% | 5,365 |
| Net loans and leases to deposits | 63.6709% | 5,296 |
| Net loans and leases to core deposits | 71.5573% | 4,847 |
| Total domestic deposits to total assets | 84.1824% | 4,416 |
| Equity capital to assets | 8.1920% | 6,286 |
| Core capital (leverage) ratio | 8.2823% | 5,842 |
| Tier 1 risk-based capital ratio | 13.3142% | 4,562 |
| Total risk-based capital ratio | 14.5723% | 4,541 |
| Memoranda: | ||
| Average total assets | $44,728,500 | 6,677 |
| Average earning assets | $40,652,000 | 6,661 |
| Average equity | $3,543,000 | 7,002 |
| Average total loans | $24,849,000 | 6,593 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 3,071 |
| Cost of funding earning assets | 1.4952% | 2,669 |
| Net interest margin | 3.8164% | 3,883 |
| Noninterest income to average assets | 0.1617% | 6,560 |
| Noninterest expense to average assets | 2.7899% | 4,647 |
| Loan and lease loss provision to assets | 0.8289% | 1,985 |
| Net operating income to assets | -0.0106% | 5,853 |
| Return on assets (ROA) | 0.2156% | 5,385 |
| Pretax return on assets | 0.2269% | 5,419 |
| Return on Equity (ROE) | 2.6343% | 5,117 |
| Retained earnings to average equity (ytd only) | 0.1646% | 5,496 |
| Net charge-offs to loans | 0.7278% | 2,833 |
| Credit loss provision to net charge-offs | 208.4746% | 1,475 |
| Earnings coverage of net charge-offs (x) | 2.0565% | 4,187 |
| Efficiency ratio | 77.3350% | 2,820 |
| Assets per employee ($millions) | 4.9361% | 2,234 |
| Cash dividends to net income (ytd only)* | 93.7500% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0398% | 2,205 |
| Loan loss allowance to noncurrent loans | 78.2542% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 3,612 |
| Noncurrent loans to loans | 2.6067% | 2,918 |
| Net loans and leases to total assets | 55.2392% | 5,450 |
| Net loans and leases to deposits | 64.5161% | 5,574 |
| Net loans and leases to core deposits | 72.4642% | 5,164 |
| Total domestic deposits to total assets | 85.6207% | 3,543 |
| Equity capital to assets | 7.6466% | 6,781 |
| Core capital (leverage) ratio | 7.7635% | 6,482 |
| Tier 1 risk-based capital ratio | 12.1569% | 5,329 |
| Total risk-based capital ratio | 13.4149% | 5,301 |
| Memoranda: | ||
| Average total assets | $44,518,400 | 6,714 |
| Average earning assets | $40,194,600 | 6,706 |
| Average equity | $3,644,200 | 7,096 |
| Average total loans | $24,318,400 | 6,713 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 3,286 |
| Cost of funding earning assets | 1.5080% | 2,929 |
| Net interest margin | 3.8049% | 3,951 |
| Noninterest income to average assets | 0.1676% | 6,672 |
| Noninterest expense to average assets | 2.7270% | 4,768 |
| Loan and lease loss provision to assets | 0.2694% | 4,428 |
| Net operating income to assets | 0.6011% | 3,878 |
| Return on assets (ROA) | 0.8381% | 2,979 |
| Pretax return on assets | 0.8471% | 3,743 |
| Return on Equity (ROE) | 10.0734% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.8357% | 1,928 |
| Net charge-offs to loans | 0.9723% | 2,052 |
| Credit loss provision to net charge-offs | 51.1364% | 5,864 |
| Earnings coverage of net charge-offs (x) | 1.6648% | 4,458 |
| Efficiency ratio | 75.6645% | 3,009 |
| Assets per employee ($millions) | 5.1168% | 2,037 |
| Cash dividends to net income (ytd only)* | 32.1440% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,745 |
| Loan loss allowance to noncurrent loans | 35.2049% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 2.0998% | 3,339 |
| Noncurrent loans to loans | 2.5560% | 3,067 |
| Net loans and leases to total assets | 55.4820% | 5,624 |
| Net loans and leases to deposits | 66.4188% | 5,621 |
| Net loans and leases to core deposits | 74.4833% | 5,234 |
| Total domestic deposits to total assets | 83.5335% | 4,358 |
| Equity capital to assets | 8.4797% | 6,300 |
| Core capital (leverage) ratio | 8.3074% | 5,859 |
| Tier 1 risk-based capital ratio | 12.4890% | 4,993 |
| Total risk-based capital ratio | 13.2740% | 5,409 |
| Memoranda: | ||
| Average total assets | $44,541,750 | 6,793 |
| Average earning assets | $40,227,750 | 6,787 |
| Average equity | $3,706,000 | 7,175 |
| Average total loans | $24,135,250 | 6,813 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2964% | 3,491 |
| Cost of funding earning assets | 1.5421% | 3,000 |
| Net interest margin | 3.7544% | 4,110 |
| Noninterest income to average assets | 0.1907% | 6,539 |
| Noninterest expense to average assets | 2.7294% | 4,793 |
| Loan and lease loss provision to assets | 0.1135% | 5,771 |
| Net operating income to assets | 0.7271% | 3,285 |
| Return on assets (ROA) | 0.7766% | 3,227 |
| Pretax return on assets | 0.7811% | 3,946 |
| Return on Equity (ROE) | 9.3965% | 2,317 |
| Retained earnings to average equity (ytd only) | 6.0995% | 2,280 |
| Net charge-offs to loans | 1.5009% | 1,275 |
| Credit loss provision to net charge-offs | 14.1243% | 5,905 |
| Earnings coverage of net charge-offs (x) | 1.0508% | 4,743 |
| Efficiency ratio | 76.3659% | 3,006 |
| Assets per employee ($millions) | 4.8791% | 2,327 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 7,308 |
| Loan loss allowance to noncurrent loans | 21.7165% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 2.4526% | 2,934 |
| Noncurrent loans to loans | 3.0775% | 2,615 |
| Net loans and leases to total assets | 56.5244% | 5,620 |
| Net loans and leases to deposits | 66.5246% | 5,745 |
| Net loans and leases to core deposits | 75.4300% | 5,257 |
| Total domestic deposits to total assets | 84.9677% | 3,647 |
| Equity capital to assets | 8.8700% | 5,646 |
| Core capital (leverage) ratio | 8.3084% | 5,752 |
| Tier 1 risk-based capital ratio | 12.1188% | 5,204 |
| Total risk-based capital ratio | 12.6791% | 5,808 |
| Memoranda: | ||
| Average total assets | $44,038,670 | 6,862 |
| Average earning assets | $39,687,000 | 6,856 |
| Average equity | $3,639,670 | 7,228 |
| Average total loans | $23,586,330 | 6,886 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 3,133 |
| Cost of funding earning assets | 1.5764% | 3,095 |
| Net interest margin | 3.8055% | 3,777 |
| Noninterest income to average assets | 0.2267% | 6,339 |
| Noninterest expense to average assets | 2.7572% | 4,665 |
| Loan and lease loss provision to assets | 0.1179% | 5,421 |
| Net operating income to assets | 0.7804% | 3,060 |
| Return on assets (ROA) | 0.8163% | 2,994 |
| Pretax return on assets | 0.8254% | 3,764 |
| Return on Equity (ROE) | 10.2506% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.8337% | 2,203 |
| Net charge-offs to loans | 0.3670% | 2,944 |
| Credit loss provision to net charge-offs | 61.9048% | 4,265 |
| Earnings coverage of net charge-offs (x) | 4.7619% | 2,559 |
| Efficiency ratio | 75.2475% | 3,353 |
| Assets per employee ($millions) | 3.9857% | 3,906 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,691 |
| Loan loss allowance to noncurrent loans | 28.2985% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 2.8670% | 2,515 |
| Noncurrent loans to loans | 4.7609% | 1,548 |
| Net loans and leases to total assets | 51.9422% | 6,278 |
| Net loans and leases to deposits | 61.7975% | 6,298 |
| Net loans and leases to core deposits | 69.6656% | 5,948 |
| Total domestic deposits to total assets | 84.0522% | 4,122 |
| Equity capital to assets | 8.2180% | 6,412 |
| Core capital (leverage) ratio | 7.9844% | 6,262 |
| Tier 1 risk-based capital ratio | 12.2431% | 4,948 |
| Total risk-based capital ratio | 13.3120% | 5,099 |
| Memoranda: | ||
| Average total assets | $44,102,000 | 6,947 |
| Average earning assets | $39,837,500 | 6,936 |
| Average equity | $3,512,000 | 7,341 |
| Average total loans | $22,885,500 | 6,997 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7980% | 2,660 |
| Cost of funding earning assets | 1.8602% | 3,673 |
| Net interest margin | 3.9379% | 3,129 |
| Noninterest income to average assets | 0.2168% | 6,561 |
| Noninterest expense to average assets | 2.8019% | 4,966 |
| Loan and lease loss provision to assets | 0.1218% | 6,426 |
| Net operating income to assets | 0.8162% | 2,472 |
| Return on assets (ROA) | 0.9770% | 1,973 |
| Pretax return on assets | 0.9819% | 2,654 |
| Return on Equity (ROE) | 12.0471% | 1,151 |
| Retained earnings to average equity (ytd only) | 8.4420% | 601 |
| Net charge-offs to loans | 0.3198% | 4,647 |
| Credit loss provision to net charge-offs | 80.6452% | 6,265 |
| Earnings coverage of net charge-offs (x) | 6.2419% | 2,406 |
| Efficiency ratio | 74.8211% | 3,742 |
| Assets per employee ($millions) | 4.0328% | 3,751 |
| Cash dividends to net income (ytd only)* | 29.9252% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 4,206 |
| Loan loss allowance to noncurrent loans | 23.0325% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 3.1221% | 2,218 |
| Noncurrent loans to loans | 6.1048% | 1,022 |
| Net loans and leases to total assets | 50.4227% | 6,587 |
| Net loans and leases to deposits | 58.4677% | 6,752 |
| Net loans and leases to core deposits | 77.4891% | 6,301 |
| Total domestic deposits to total assets | 86.2402% | 2,894 |
| Equity capital to assets | 7.7117% | 6,847 |
| Core capital (leverage) ratio | 8.2176% | 5,783 |
| Tier 1 risk-based capital ratio | 12.3610% | 4,633 |
| Total risk-based capital ratio | 13.4870% | 4,701 |
| Memoranda: | ||
| Average total assets | $41,043,600 | 7,051 |
| Average earning assets | $36,771,200 | 7,067 |
| Average equity | $3,328,600 | 7,495 |
| Average total loans | $19,384,600 | 7,237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9915% | 2,076 |
| Cost of funding earning assets | 1.8971% | 3,901 |
| Net interest margin | 4.0943% | 2,422 |
| Noninterest income to average assets | 0.2288% | 6,586 |
| Noninterest expense to average assets | 2.8679% | 4,578 |
| Loan and lease loss provision to assets | 0.1492% | 5,859 |
| Net operating income to assets | 0.8698% | 2,538 |
| Return on assets (ROA) | 0.9880% | 2,164 |
| Pretax return on assets | 0.9946% | 2,926 |
| Return on Equity (ROE) | 12.0200% | 1,344 |
| Retained earnings to average equity (ytd only) | 8.3900% | 1,013 |
| Net charge-offs to loans | 0.4023% | 3,647 |
| Credit loss provision to net charge-offs | 80.3571% | 5,753 |
| Earnings coverage of net charge-offs (x) | 5.5182% | 2,800 |
| Efficiency ratio | 73.6797% | 3,925 |
| Assets per employee ($millions) | 3.8618% | 4,045 |
| Cash dividends to net income (ytd only)* | 30.2024% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,198 |
| Loan loss allowance to noncurrent loans | 51.6963% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.4572% | 4,196 |
| Noncurrent loans to loans | 2.9963% | 2,521 |
| Net loans and leases to total assets | 47.8790% | 6,966 |
| Net loans and leases to deposits | 57.1224% | 7,019 |
| Net loans and leases to core deposits | 84.2509% | 6,025 |
| Total domestic deposits to total assets | 83.8183% | 3,809 |
| Equity capital to assets | 8.0979% | 6,746 |
| Core capital (leverage) ratio | 8.2507% | 5,916 |
| Tier 1 risk-based capital ratio | 12.9162% | 4,254 |
| Total risk-based capital ratio | 14.1216% | 4,221 |
| Memoranda: | ||
| Average total assets | $40,214,250 | 7,136 |
| Average earning assets | $35,983,750 | 7,161 |
| Average equity | $3,305,500 | 7,569 |
| Average total loans | $18,559,000 | 7,349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0403% | 2,016 |
| Cost of funding earning assets | 1.9375% | 4,075 |
| Net interest margin | 4.1028% | 2,310 |
| Noninterest income to average assets | 0.2433% | 6,543 |
| Noninterest expense to average assets | 2.8384% | 4,787 |
| Loan and lease loss provision to assets | 0.0507% | 6,722 |
| Net operating income to assets | 0.9948% | 2,131 |
| Return on assets (ROA) | 1.1252% | 1,763 |
| Pretax return on assets | 1.1354% | 2,517 |
| Return on Equity (ROE) | 13.6168% | 1,055 |
| Retained earnings to average equity (ytd only) | 9.9366% | 751 |
| Net charge-offs to loans | 0.6159% | 2,495 |
| Credit loss provision to net charge-offs | 18.1818% | 6,144 |
| Earnings coverage of net charge-offs (x) | 3.7818% | 3,309 |
| Efficiency ratio | 72.9167% | 4,226 |
| Assets per employee ($millions) | 3.8019% | 4,091 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,141 |
| Loan loss allowance to noncurrent loans | 70.6173% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9684% | 5,039 |
| Noncurrent loans to loans | 2.1354% | 3,327 |
| Net loans and leases to total assets | 44.6666% | 7,286 |
| Net loans and leases to deposits | 52.3264% | 7,366 |
| Net loans and leases to core deposits | 74.2566% | 6,775 |
| Total domestic deposits to total assets | 85.3614% | 3,083 |
| Equity capital to assets | 7.2834% | 7,425 |
| Core capital (leverage) ratio | 8.3906% | 5,636 |
| Tier 1 risk-based capital ratio | 13.3349% | 3,910 |
| Total risk-based capital ratio | 14.4619% | 3,912 |
| Memoranda: | ||
| Average total assets | $39,459,000 | 7,233 |
| Average earning assets | $35,097,670 | 7,259 |
| Average equity | $3,260,670 | 7,645 |
| Average total loans | $17,859,000 | 7,446 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2168% | 1,545 |
| Cost of funding earning assets | 1.9435% | 4,410 |
| Net interest margin | 4.2733% | 1,666 |
| Noninterest income to average assets | 0.2717% | 6,260 |
| Noninterest expense to average assets | 2.8633% | 4,285 |
| Loan and lease loss provision to assets | 0.0522% | 6,305 |
| Net operating income to assets | 1.1609% | 1,771 |
| Return on assets (ROA) | 1.2540% | 1,598 |
| Pretax return on assets | 1.2644% | 2,393 |
| Return on Equity (ROE) | 14.2518% | 1,119 |
| Retained earnings to average equity (ytd only) | 10.6888% | 1,040 |
| Net charge-offs to loans | 1.4331% | 999 |
| Credit loss provision to net charge-offs | 8.0645% | 5,213 |
| Earnings coverage of net charge-offs (x) | 1.8871% | 3,775 |
| Efficiency ratio | 70.0767% | 4,561 |
| Assets per employee ($millions) | 3.5100% | 4,797 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 2,871 |
| Loan loss allowance to noncurrent loans | 91.3333% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 5,226 |
| Noncurrent loans to loans | 1.6632% | 3,777 |
| Net loans and leases to total assets | 46.0088% | 7,187 |
| Net loans and leases to deposits | 54.3508% | 7,266 |
| Net loans and leases to core deposits | 87.9885% | 5,739 |
| Total domestic deposits to total assets | 84.6516% | 3,388 |
| Equity capital to assets | 8.7853% | 5,644 |
| Core capital (leverage) ratio | 8.5713% | 5,390 |
| Tier 1 risk-based capital ratio | 14.6563% | 3,225 |
| Total risk-based capital ratio | 15.8692% | 3,179 |
| Memoranda: | ||
| Average total assets | $38,278,000 | 7,326 |
| Average earning assets | $34,165,500 | 7,344 |
| Average equity | $3,368,000 | 7,666 |
| Average total loans | $17,305,500 | 7,519 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2857% | 4,046 |
| Cost of funding earning assets | 2.0941% | 6,076 |
| Net interest margin | 4.1916% | 2,346 |
| Noninterest income to average assets | 0.2854% | 6,423 |
| Noninterest expense to average assets | 2.9069% | 4,426 |
| Loan and lease loss provision to assets | 0.1515% | 5,427 |
| Net operating income to assets | 0.9038% | 2,980 |
| Return on assets (ROA) | 0.9845% | 2,496 |
| Pretax return on assets | 0.9932% | 3,404 |
| Return on Equity (ROE) | 11.3636% | 1,803 |
| Retained earnings to average equity (ytd only) | 4.8077% | 2,143 |
| Net charge-offs to loans | 0.0936% | 5,396 |
| Credit loss provision to net charge-offs | 371.4286% | 1,190 |
| Earnings coverage of net charge-offs (x) | 26.0714% | 1,306 |
| Efficiency ratio | 73.2208% | 3,707 |
| Assets per employee ($millions) | 3.7946% | 3,970 |
| Cash dividends to net income (ytd only)* | 57.6923% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 1,229 |
| Loan loss allowance to noncurrent loans | 91.6898% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 4,450 |
| Noncurrent loans to loans | 2.1782% | 2,534 |
| Net loans and leases to total assets | 42.8029% | 7,541 |
| Net loans and leases to deposits | 50.6929% | 7,596 |
| Net loans and leases to core deposits | 78.3653% | 6,732 |
| Total domestic deposits to total assets | 84.4358% | 3,111 |
| Equity capital to assets | 8.8125% | 5,630 |
| Core capital (leverage) ratio | 8.6654% | 5,257 |
| Tier 1 risk-based capital ratio | 15.2128% | 2,954 |
| Total risk-based capital ratio | 16.4644% | 2,876 |
| Memoranda: | ||
| Average total assets | $34,332,400 | 7,448 |
| Average earning assets | $30,179,600 | 7,503 |
| Average equity | $2,974,400 | 7,844 |
| Average total loans | $14,962,800 | 7,651 |