Home > West Valley National Bank > Performance and Condition Ratios
West Valley National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6567% | 978 |
| Cost of funding earning assets | 0.4883% | 4,206 |
| Net interest margin | 5.1684% | 271 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 5.3939% | 199 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.1882% | 4,458 |
| Return on assets (ROA) | -0.1882% | 4,443 |
| Pretax return on assets | -0.1869% | 4,422 |
| Return on Equity (ROE) | -1.4500% | 4,402 |
| Retained earnings to average equity (ytd only) | -1.4502% | 4,225 |
| 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 | 103.0360% | 161 |
| Assets per employee ($millions) | 3.5628% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 1,650 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.9100% | 986 |
| Net loans and leases to deposits | 90.3372% | 1,233 |
| Net loans and leases to core deposits | 93.3564% | 1,816 |
| Total domestic deposits to total assets | 85.1400% | 2,271 |
| Equity capital to assets | 13.9392% | 694 |
| Core capital (leverage) ratio | 14.4332% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8186% | 812 |
| Memoranda: | ||
| Average total assets | $81,314,600 | 4,005 |
| Average earning assets | $75,980,600 | 3,966 |
| Average equity | $10,550,000 | 3,658 |
| Average total loans | $58,244,600 | 3,734 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6459% | 854 |
| Cost of funding earning assets | 0.4039% | 4,250 |
| Net interest margin | 5.2420% | 245 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 4.8500% | 236 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3955% | 3,975 |
| Return on assets (ROA) | 0.3955% | 3,973 |
| Pretax return on assets | 0.3971% | 4,066 |
| Return on Equity (ROE) | 3.1000% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.1000% | 3,487 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.8268% | 324 |
| Assets per employee ($millions) | 3.7155% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 1,803 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.3400% | 841 |
| Net loans and leases to deposits | 92.7921% | 986 |
| Net loans and leases to core deposits | 95.4595% | 1,586 |
| Total domestic deposits to total assets | 84.4300% | 2,657 |
| Equity capital to assets | 14.1408% | 626 |
| Core capital (leverage) ratio | 14.4743% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5516% | 753 |
| Memoranda: | ||
| Average total assets | $82,938,750 | 4,006 |
| Average earning assets | $77,246,500 | 3,971 |
| Average equity | $10,580,250 | 3,664 |
| Average total loans | $58,226,250 | 3,739 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 981 |
| Cost of funding earning assets | 0.3196% | 4,284 |
| Net interest margin | 5.0575% | 291 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 4.7148% | 243 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3309% | 4,112 |
| Return on assets (ROA) | 0.3309% | 4,138 |
| Pretax return on assets | 0.3333% | 4,197 |
| Return on Equity (ROE) | 2.6800% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.6782% | 3,556 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 92.5722% | 289 |
| Assets per employee ($millions) | 3.8358% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 1,946 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.3000% | 1,368 |
| Net loans and leases to deposits | 85.8978% | 1,508 |
| Net loans and leases to core deposits | 89.3992% | 1,838 |
| Total domestic deposits to total assets | 85.3300% | 2,449 |
| Equity capital to assets | 13.0797% | 792 |
| Core capital (leverage) ratio | 13.9772% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8905% | 828 |
| Memoranda: | ||
| Average total assets | $85,815,000 | 3,992 |
| Average earning assets | $79,486,000 | 3,975 |
| Average equity | $10,604,333 | 3,667 |
| Average total loans | $57,971,667 | 3,748 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 905 |
| Cost of funding earning assets | 0.1931% | 4,392 |
| Net interest margin | 5.0441% | 280 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 4.5406% | 269 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.5337% | 3,825 |
| Return on assets (ROA) | 0.5337% | 3,785 |
| Pretax return on assets | 0.5337% | 3,942 |
| Return on Equity (ROE) | 4.4400% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.4367% | 3,146 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.1266% | 413 |
| Assets per employee ($millions) | 4.0999% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,095 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 72.4500% | 1,379 |
| Net loans and leases to deposits | 83.8558% | 1,508 |
| Net loans and leases to core deposits | 86.7795% | 1,814 |
| Total domestic deposits to total assets | 86.4000% | 2,475 |
| Equity capital to assets | 13.1076% | 738 |
| Core capital (leverage) ratio | 12.1676% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9977% | 658 |
| Memoranda: | ||
| Average total assets | $88,446,500 | 4,012 |
| Average earning assets | $82,869,500 | 3,982 |
| Average equity | $10,638,500 | 3,708 |
| Average total loans | $57,049,500 | 3,808 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 1,624 |
| Cost of funding earning assets | 0.1604% | 4,057 |
| Net interest margin | 3.8748% | 1,015 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 3.7872% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1521% | 4,479 |
| Return on assets (ROA) | 0.1521% | 4,464 |
| Pretax return on assets | 0.1531% | 4,473 |
| Return on Equity (ROE) | 1.4500% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.4465% | 4,112 |
| Net charge-offs to loans | 0.0652% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.1622% | 2,427 |
| Efficiency ratio | 95.9122% | 196 |
| Assets per employee ($millions) | 4.5188% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 1,465 |
| 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 | 56.0100% | 3,030 |
| Net loans and leases to deposits | 63.3724% | 3,094 |
| Net loans and leases to core deposits | 65.3636% | 3,176 |
| Total domestic deposits to total assets | 88.3900% | 1,935 |
| Equity capital to assets | 11.0954% | 1,221 |
| Core capital (leverage) ratio | 11.6331% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1327% | 813 |
| Memoranda: | ||
| Average total assets | $100,574,400 | 3,924 |
| Average earning assets | $94,766,200 | 3,889 |
| Average equity | $10,577,400 | 3,802 |
| Average total loans | $56,787,400 | 3,794 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 1,951 |
| Cost of funding earning assets | 0.1637% | 3,697 |
| Net interest margin | 3.5689% | 1,463 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 3.5504% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0850% | 4,554 |
| Return on assets (ROA) | 0.0850% | 4,525 |
| Pretax return on assets | 0.0863% | 4,523 |
| Return on Equity (ROE) | 0.8200% | 4,512 |
| Retained earnings to average equity (ytd only) | 0.8184% | 4,245 |
| Net charge-offs to loans | 0.0858% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1.7838% | 2,268 |
| Efficiency ratio | 97.4119% | 186 |
| Assets per employee ($millions) | 4.8013% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,575 |
| Loan loss allowance to noncurrent loans | 603.1746% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 2,694 |
| Noncurrent loans to loans | 0.2339% | 2,454 |
| Net loans and leases to total assets | 55.3200% | 2,970 |
| Net loans and leases to deposits | 61.9931% | 3,023 |
| Net loans and leases to core deposits | 64.7260% | 3,054 |
| Total domestic deposits to total assets | 89.2300% | 1,988 |
| Equity capital to assets | 10.6149% | 1,323 |
| Core capital (leverage) ratio | 11.3945% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3208% | 816 |
| Memoranda: | ||
| Average total assets | $101,994,250 | 3,933 |
| Average earning assets | $96,125,500 | 3,901 |
| Average equity | $10,589,500 | 3,851 |
| Average total loans | $57,506,000 | 3,795 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 2,014 |
| Cost of funding earning assets | 0.1630% | 3,402 |
| Net interest margin | 3.3782% | 1,667 |
| Noninterest income to average assets | 0.2673% | 3,568 |
| Noninterest expense to average assets | 3.6544% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2000% | 4,639 |
| Return on assets (ROA) | -0.2000% | 4,611 |
| Pretax return on assets | -0.1981% | 4,598 |
| Return on Equity (ROE) | -1.9400% | 4,614 |
| Retained earnings to average equity (ytd only) | -1.9400% | 4,380 |
| Net charge-offs to loans | 0.1260% | 499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -2.7838% | 2,118 |
| Efficiency ratio | 105.4535% | 137 |
| Assets per employee ($millions) | 5.6805% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 56.7480% | 2,673 |
| Net loans and leases to deposits | 63.9138% | 2,733 |
| Net loans and leases to core deposits | 66.7271% | 2,761 |
| Total domestic deposits to total assets | 88.7883% | 2,268 |
| Equity capital to assets | 11.0315% | 1,199 |
| Core capital (leverage) ratio | 10.8823% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5207% | 783 |
| Memoranda: | ||
| Average total assets | $103,984,000 | 3,958 |
| Average earning assets | $98,159,667 | 3,928 |
| Average equity | $10,721,667 | 3,909 |
| Average total loans | $58,714,667 | 3,810 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2370% | 2,580 |
| Cost of funding earning assets | 0.1652% | 3,295 |
| Net interest margin | 3.0718% | 2,261 |
| Noninterest income to average assets | 0.2526% | 3,636 |
| Noninterest expense to average assets | 3.5695% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4160% | 4,693 |
| Return on assets (ROA) | -0.4160% | 4,679 |
| Pretax return on assets | -0.4160% | 4,670 |
| Return on Equity (ROE) | -4.1651% | 4,688 |
| Retained earnings to average equity (ytd only) | -4.1651% | 4,386 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9564% | 113 |
| Assets per employee ($millions) | 5.8919% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 2,063 |
| Loan loss allowance to noncurrent loans | 2,213.8889% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,679 |
| Noncurrent loans to loans | 0.0615% | 3,548 |
| Net loans and leases to total assets | 57.6276% | 2,337 |
| Net loans and leases to deposits | 64.6205% | 2,471 |
| Net loans and leases to core deposits | 67.3437% | 2,504 |
| Total domestic deposits to total assets | 89.1785% | 1,987 |
| Equity capital to assets | 10.6817% | 1,501 |
| Core capital (leverage) ratio | 10.7553% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5882% | 815 |
| Memoranda: | ||
| Average total assets | $107,691,500 | 3,938 |
| Average earning assets | $101,698,000 | 3,920 |
| Average equity | $10,756,000 | 3,975 |
| Average total loans | $60,291,500 | 3,789 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 1,397 |
| Cost of funding earning assets | 0.1208% | 4,213 |
| Net interest margin | 3.8624% | 895 |
| Noninterest income to average assets | 1.6048% | 436 |
| Noninterest expense to average assets | 3.7195% | 384 |
| Loan and lease loss provision to assets | 0.0653% | 1,755 |
| Net operating income to assets | 1.3520% | 1,433 |
| Return on assets (ROA) | 1.3520% | 1,475 |
| Pretax return on assets | 1.3520% | 2,197 |
| Return on Equity (ROE) | 16.5180% | 673 |
| Retained earnings to average equity (ytd only) | 16.5180% | 145 |
| Net charge-offs to loans | 0.0829% | 976 |
| Credit loss provision to net charge-offs | 125.8065% | 1,612 |
| Earnings coverage of net charge-offs (x) | 27.3065% | 1,681 |
| Efficiency ratio | 72.2295% | 1,490 |
| Assets per employee ($millions) | 6.0643% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,435 |
| 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 | 53.1743% | 2,945 |
| Net loans and leases to deposits | 61.4142% | 2,942 |
| Net loans and leases to core deposits | 64.1449% | 2,971 |
| Total domestic deposits to total assets | 86.5832% | 2,679 |
| Equity capital to assets | 9.3846% | 3,242 |
| Core capital (leverage) ratio | 10.4393% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3999% | 835 |
| Memoranda: | ||
| Average total assets | $119,451,200 | 3,810 |
| Average earning assets | $109,231,200 | 3,819 |
| Average equity | $9,777,200 | 4,152 |
| Average total loans | $74,759,200 | 3,568 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 1,363 |
| Cost of funding earning assets | 0.1159% | 4,380 |
| Net interest margin | 3.9581% | 851 |
| Noninterest income to average assets | 1.7802% | 404 |
| Noninterest expense to average assets | 3.8292% | 334 |
| Loan and lease loss provision to assets | 0.1419% | 799 |
| Net operating income to assets | 1.3985% | 1,549 |
| Return on assets (ROA) | 1.3985% | 1,611 |
| Pretax return on assets | 1.3985% | 2,335 |
| Return on Equity (ROE) | 17.7059% | 662 |
| Retained earnings to average equity (ytd only) | 17.7059% | 210 |
| Net charge-offs to loans | 0.1967% | 430 |
| Credit loss provision to net charge-offs | 111.3043% | 1,509 |
| Earnings coverage of net charge-offs (x) | 12.1043% | 1,967 |
| Efficiency ratio | 71.1313% | 1,481 |
| Assets per employee ($millions) | 5.0409% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,844 |
| 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 | 55.0405% | 2,846 |
| Net loans and leases to deposits | 65.8820% | 2,636 |
| Net loans and leases to core deposits | 68.4744% | 2,733 |
| Total domestic deposits to total assets | 83.5441% | 3,575 |
| Equity capital to assets | 9.0228% | 3,813 |
| Core capital (leverage) ratio | 9.0737% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4956% | 882 |
| Memoranda: | ||
| Average total assets | $120,508,750 | 3,838 |
| Average earning assets | $109,274,750 | 3,863 |
| Average equity | $9,518,250 | 4,249 |
| Average total loans | $77,932,750 | 3,558 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 1,979 |
| Cost of funding earning assets | 0.1058% | 4,533 |
| Net interest margin | 3.7303% | 1,271 |
| Noninterest income to average assets | 1.9503% | 343 |
| Noninterest expense to average assets | 3.8564% | 321 |
| Loan and lease loss provision to assets | 0.0393% | 2,213 |
| Net operating income to assets | 1.4062% | 1,549 |
| Return on assets (ROA) | 1.4062% | 1,614 |
| Pretax return on assets | 1.4062% | 2,320 |
| Return on Equity (ROE) | 18.6441% | 580 |
| Retained earnings to average equity (ytd only) | 18.6441% | 196 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5193% | 1,379 |
| Assets per employee ($millions) | 4.3023% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,611 |
| Loan loss allowance to noncurrent loans | 2,518.7500% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 4,080 |
| Noncurrent loans to loans | 0.0418% | 3,984 |
| Net loans and leases to total assets | 65.2482% | 1,794 |
| Net loans and leases to deposits | 71.6001% | 2,247 |
| Net loans and leases to core deposits | 73.9502% | 2,413 |
| Total domestic deposits to total assets | 91.1287% | 336 |
| Equity capital to assets | 8.3978% | 4,284 |
| Core capital (leverage) ratio | 7.4733% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7823% | 995 |
| Memoranda: | ||
| Average total assets | $122,031,667 | 3,833 |
| Average earning assets | $109,642,000 | 3,880 |
| Average equity | $9,204,000 | 4,300 |
| Average total loans | $82,374,333 | 3,508 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 2,466 |
| Cost of funding earning assets | 0.1081% | 4,602 |
| Net interest margin | 3.5548% | 1,690 |
| Noninterest income to average assets | 1.6324% | 528 |
| Noninterest expense to average assets | 3.9947% | 287 |
| Loan and lease loss provision to assets | 0.0768% | 1,657 |
| Net operating income to assets | 0.8226% | 3,347 |
| Return on assets (ROA) | 0.8226% | 3,424 |
| Pretax return on assets | 0.8226% | 3,768 |
| Return on Equity (ROE) | 11.5137% | 2,184 |
| Retained earnings to average equity (ytd only) | 11.5137% | 1,267 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4912% | 730 |
| Assets per employee ($millions) | 4.6436% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 4,153 |
| Loan loss allowance to noncurrent loans | 2,518.7500% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 4,182 |
| Noncurrent loans to loans | 0.0358% | 4,103 |
| Net loans and leases to total assets | 70.7291% | 1,192 |
| Net loans and leases to deposits | 76.5198% | 1,850 |
| Net loans and leases to core deposits | 78.8053% | 2,111 |
| Total domestic deposits to total assets | 92.4324% | 80 |
| Equity capital to assets | 7.2230% | 4,794 |
| Core capital (leverage) ratio | 7.3471% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0887% | 1,271 |
| Memoranda: | ||
| Average total assets | $124,967,000 | 3,804 |
| Average earning assets | $114,661,500 | 3,802 |
| Average equity | $8,928,500 | 4,346 |
| Average total loans | $85,262,000 | 3,480 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 2,245 |
| Cost of funding earning assets | 0.1813% | 4,640 |
| Net interest margin | 3.9837% | 1,007 |
| Noninterest income to average assets | 1.7630% | 405 |
| Noninterest expense to average assets | 3.9870% | 386 |
| Loan and lease loss provision to assets | 0.1361% | 2,659 |
| Net operating income to assets | 1.2555% | 1,371 |
| Return on assets (ROA) | 1.2555% | 1,475 |
| Pretax return on assets | 1.2555% | 2,136 |
| Return on Equity (ROE) | 18.1259% | 326 |
| Retained earnings to average equity (ytd only) | 18.1259% | 84 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9987% | 1,443 |
| Assets per employee ($millions) | 5.1899% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,989 |
| Loan loss allowance to noncurrent loans | 50.8453% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 686 |
| Noncurrent loans to loans | 1.8978% | 630 |
| Net loans and leases to total assets | 64.4348% | 2,306 |
| Net loans and leases to deposits | 69.6170% | 2,926 |
| Net loans and leases to core deposits | 71.8649% | 3,088 |
| Total domestic deposits to total assets | 92.5560% | 31 |
| Equity capital to assets | 7.0658% | 4,910 |
| Core capital (leverage) ratio | 6.9489% | 4,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6274% | 1,370 |
| Memoranda: | ||
| Average total assets | $116,053,000 | 3,797 |
| Average earning assets | $105,329,400 | 3,832 |
| Average equity | $8,038,200 | 4,420 |
| Average total loans | $67,029,000 | 3,794 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 1,527 |
| Cost of funding earning assets | 0.1669% | 4,758 |
| Net interest margin | 4.3495% | 529 |
| Noninterest income to average assets | 1.6934% | 405 |
| Noninterest expense to average assets | 4.2131% | 319 |
| Loan and lease loss provision to assets | 0.1080% | 2,970 |
| Net operating income to assets | 1.3061% | 1,345 |
| Return on assets (ROA) | 1.3061% | 1,435 |
| Pretax return on assets | 1.3061% | 2,024 |
| Return on Equity (ROE) | 18.9610% | 299 |
| Retained earnings to average equity (ytd only) | 18.9610% | 95 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7504% | 1,334 |
| Assets per employee ($millions) | 6.3452% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 4,146 |
| Loan loss allowance to noncurrent loans | 62.1528% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 1,533 |
| Noncurrent loans to loans | 1.4061% | 1,030 |
| Net loans and leases to total assets | 53.3290% | 3,859 |
| Net loans and leases to deposits | 62.9628% | 3,863 |
| Net loans and leases to core deposits | 64.6088% | 3,978 |
| Total domestic deposits to total assets | 84.6991% | 2,554 |
| Equity capital to assets | 5.5554% | 5,014 |
| Core capital (leverage) ratio | 6.5561% | 5,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1783% | 1,454 |
| Memoranda: | ||
| Average total assets | $113,927,000 | 3,817 |
| Average earning assets | $103,027,500 | 3,857 |
| Average equity | $7,847,500 | 4,461 |
| Average total loans | $63,526,250 | 3,872 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5651% | 300 |
| Cost of funding earning assets | 0.2024% | 4,758 |
| Net interest margin | 5.3628% | 106 |
| Noninterest income to average assets | 1.8885% | 314 |
| Noninterest expense to average assets | 5.0741% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6353% | 702 |
| Return on assets (ROA) | 1.6353% | 768 |
| Pretax return on assets | 1.6353% | 1,141 |
| Return on Equity (ROE) | 21.6398% | 178 |
| Retained earnings to average equity (ytd only) | 21.6398% | 75 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5084% | 1,308 |
| Assets per employee ($millions) | 5.5080% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 4,347 |
| Loan loss allowance to noncurrent loans | 54.1667% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 1,421 |
| Noncurrent loans to loans | 1.4743% | 1,031 |
| Net loans and leases to total assets | 58.6379% | 3,454 |
| Net loans and leases to deposits | 71.0349% | 3,346 |
| Net loans and leases to core deposits | 73.2529% | 3,504 |
| Total domestic deposits to total assets | 82.5480% | 3,223 |
| Equity capital to assets | 6.1812% | 5,030 |
| Core capital (leverage) ratio | 8.0192% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0610% | 1,473 |
| Memoranda: | ||
| Average total assets | $101,141,000 | 3,978 |
| Average earning assets | $90,923,333 | 4,012 |
| Average equity | $7,643,333 | 4,506 |
| Average total loans | $57,392,333 | 3,992 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 2,535 |
| Cost of funding earning assets | 0.2880% | 4,692 |
| Net interest margin | 4.1340% | 1,069 |
| Noninterest income to average assets | 2.2239% | 234 |
| Noninterest expense to average assets | 5.5177% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3270% | 4,289 |
| Return on assets (ROA) | 0.3270% | 4,318 |
| Pretax return on assets | 0.3270% | 4,407 |
| Return on Equity (ROE) | 3.7943% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.7943% | 2,760 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2446% | 369 |
| Assets per employee ($millions) | 3.4663% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,872 |
| Loan loss allowance to noncurrent loans | 2,836.3636% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,506 |
| Noncurrent loans to loans | 0.0479% | 4,360 |
| Net loans and leases to total assets | 50.3173% | 4,225 |
| Net loans and leases to deposits | 54.9406% | 4,404 |
| Net loans and leases to core deposits | 57.0422% | 4,459 |
| Total domestic deposits to total assets | 91.5849% | 67 |
| Equity capital to assets | 8.2264% | 4,923 |
| Core capital (leverage) ratio | 8.6665% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1996% | 2,194 |
| Memoranda: | ||
| Average total assets | $85,616,000 | 4,192 |
| Average earning assets | $74,987,000 | 4,241 |
| Average equity | $7,379,500 | 4,567 |
| Average total loans | $47,019,500 | 4,205 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 961 |
| Cost of funding earning assets | 0.3386% | 4,628 |
| Net interest margin | 4.8762% | 344 |
| Noninterest income to average assets | 1.8963% | 285 |
| Noninterest expense to average assets | 6.8287% | 116 |
| Loan and lease loss provision to assets | 0.0543% | 2,945 |
| Net operating income to assets | -0.6549% | 5,065 |
| Return on assets (ROA) | -0.6549% | 5,073 |
| Pretax return on assets | -0.6521% | 5,070 |
| Return on Equity (ROE) | -6.2804% | 5,090 |
| Retained earnings to average equity (ytd only) | -6.2804% | 5,009 |
| Net charge-offs to loans | 0.0186% | 3,055 |
| Credit loss provision to net charge-offs | 487.5000% | 600 |
| Earnings coverage of net charge-offs (x) | -53.6250% | 3,712 |
| Efficiency ratio | 109.4141% | 107 |
| Assets per employee ($millions) | 2.7968% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 1,941 |
| Loan loss allowance to noncurrent loans | 2,831.8182% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,516 |
| Noncurrent loans to loans | 0.0458% | 4,372 |
| Net loans and leases to total assets | 58.4948% | 3,727 |
| Net loans and leases to deposits | 64.5593% | 4,040 |
| Net loans and leases to core deposits | 66.8621% | 4,141 |
| Total domestic deposits to total assets | 90.6064% | 176 |
| Equity capital to assets | 9.0558% | 4,657 |
| Core capital (leverage) ratio | 9.2472% | 4,323 |
| Tier 1 risk-based capital ratio | 13.6963% | 3,416 |
| Total risk-based capital ratio | 14.9069% | 3,345 |
| Memoranda: | ||
| Average total assets | $71,770,200 | 4,399 |
| Average earning assets | $63,799,600 | 4,439 |
| Average equity | $7,483,600 | 4,578 |
| Average total loans | $42,910,600 | 4,340 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 1,297 |
| Cost of funding earning assets | 0.3456% | 4,672 |
| Net interest margin | 4.7469% | 456 |
| Noninterest income to average assets | 1.8203% | 308 |
| Noninterest expense to average assets | 7.0375% | 111 |
| Loan and lease loss provision to assets | 0.0749% | 2,392 |
| Net operating income to assets | -1.0235% | 5,178 |
| Return on assets (ROA) | -1.0235% | 5,183 |
| Pretax return on assets | -1.0196% | 5,176 |
| Return on Equity (ROE) | -9.4523% | 5,197 |
| Retained earnings to average equity (ytd only) | -9.4523% | 5,139 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3167% | 88 |
| Assets per employee ($millions) | 2.5551% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 1,861 |
| Loan loss allowance to noncurrent loans | 2,872.7273% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,590 |
| Noncurrent loans to loans | 0.0461% | 4,441 |
| Net loans and leases to total assets | 61.3779% | 3,554 |
| Net loans and leases to deposits | 67.9090% | 3,926 |
| Net loans and leases to core deposits | 69.9474% | 4,061 |
| Total domestic deposits to total assets | 90.3826% | 199 |
| Equity capital to assets | 9.5026% | 4,450 |
| Core capital (leverage) ratio | 9.6979% | 3,974 |
| Tier 1 risk-based capital ratio | 14.1146% | 3,278 |
| Total risk-based capital ratio | 15.3651% | 3,178 |
| Memoranda: | ||
| Average total assets | $69,435,750 | 4,491 |
| Average earning assets | $62,495,000 | 4,521 |
| Average equity | $7,518,250 | 4,620 |
| Average total loans | $41,621,500 | 4,426 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 946 |
| Cost of funding earning assets | 0.3491% | 4,679 |
| Net interest margin | 4.8682% | 361 |
| Noninterest income to average assets | 1.7395% | 322 |
| Noninterest expense to average assets | 7.3489% | 101 |
| Loan and lease loss provision to assets | 0.0895% | 2,055 |
| Net operating income to assets | -1.2949% | 5,236 |
| Return on assets (ROA) | -1.2949% | 5,239 |
| Pretax return on assets | -1.2890% | 5,235 |
| Return on Equity (ROE) | -11.4266% | 5,248 |
| Retained earnings to average equity (ytd only) | -11.4266% | 5,190 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3110% | 75 |
| Assets per employee ($millions) | 2.4206% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,336 |
| Loan loss allowance to noncurrent loans | 2,827.2727% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,617 |
| Noncurrent loans to loans | 0.0523% | 4,449 |
| Net loans and leases to total assets | 58.9897% | 3,825 |
| Net loans and leases to deposits | 66.1560% | 4,087 |
| Net loans and leases to core deposits | 68.0688% | 4,198 |
| Total domestic deposits to total assets | 89.1676% | 600 |
| Equity capital to assets | 10.5147% | 3,505 |
| Core capital (leverage) ratio | 10.0483% | 3,539 |
| Tier 1 risk-based capital ratio | 16.1145% | 2,364 |
| Total risk-based capital ratio | 17.3649% | 2,309 |
| Memoranda: | ||
| Average total assets | $67,030,000 | 4,565 |
| Average earning assets | $60,720,000 | 4,590 |
| Average equity | $7,596,330 | 4,636 |
| Average total loans | $39,602,000 | 4,509 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 1,121 |
| Cost of funding earning assets | 0.3514% | 4,675 |
| Net interest margin | 4.7368% | 459 |
| Noninterest income to average assets | 1.6135% | 342 |
| Noninterest expense to average assets | 7.2426% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.3446% | 5,304 |
| Return on assets (ROA) | -1.3446% | 5,299 |
| Pretax return on assets | -1.3446% | 5,294 |
| Return on Equity (ROE) | -11.4226% | 5,305 |
| Retained earnings to average equity (ytd only) | -11.4226% | 5,144 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5907% | 70 |
| Assets per employee ($millions) | 2.9181% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,218 |
| Loan loss allowance to noncurrent loans | 2,690.9091% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,693 |
| Noncurrent loans to loans | 0.0572% | 4,511 |
| Net loans and leases to total assets | 51.9492% | 4,340 |
| Net loans and leases to deposits | 58.1418% | 4,495 |
| Net loans and leases to core deposits | 62.4123% | 4,452 |
| Total domestic deposits to total assets | 89.3492% | 710 |
| Equity capital to assets | 10.4096% | 3,408 |
| Core capital (leverage) ratio | 11.6027% | 2,051 |
| Tier 1 risk-based capital ratio | 18.7615% | 1,595 |
| Total risk-based capital ratio | 20.0144% | 1,557 |
| Memoranda: | ||
| Average total assets | $65,446,500 | 4,647 |
| Average earning assets | $59,196,500 | 4,670 |
| Average equity | $7,704,000 | 4,653 |
| Average total loans | $38,387,500 | 4,583 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3974% | 480 |
| Cost of funding earning assets | 0.3674% | 4,180 |
| Net interest margin | 5.0300% | 251 |
| Noninterest income to average assets | 1.0641% | 824 |
| Noninterest expense to average assets | 7.2001% | 103 |
| Loan and lease loss provision to assets | 0.0290% | 3,594 |
| Net operating income to assets | -1.7728% | 5,372 |
| Return on assets (ROA) | -1.7728% | 5,370 |
| Pretax return on assets | -1.7728% | 5,364 |
| Return on Equity (ROE) | -17.6153% | 5,376 |
| Retained earnings to average equity (ytd only) | -17.6153% | 5,366 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.9601% | 41 |
| Assets per employee ($millions) | 2.3176% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 65.0541% | 3,248 |
| Net loans and leases to deposits | 75.5462% | 3,384 |
| Net loans and leases to core deposits | 79.9868% | 3,429 |
| Total domestic deposits to total assets | 86.1117% | 2,176 |
| Equity capital to assets | 13.4861% | 1,149 |
| Core capital (leverage) ratio | 12.8802% | 1,293 |
| Tier 1 risk-based capital ratio | 19.9629% | 1,315 |
| Total risk-based capital ratio | 21.2148% | 1,287 |
| Memoranda: | ||
| Average total assets | $55,166,200 | 4,852 |
| Average earning assets | $48,171,000 | 4,892 |
| Average equity | $5,552,000 | 4,963 |
| Average total loans | $39,040,200 | 4,582 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 740 |
| Cost of funding earning assets | 0.3287% | 4,313 |
| Net interest margin | 4.7836% | 388 |
| Noninterest income to average assets | 0.9252% | 1,123 |
| Noninterest expense to average assets | 6.6552% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.4196% | 5,432 |
| Return on assets (ROA) | -1.4196% | 5,428 |
| Pretax return on assets | -1.4196% | 5,425 |
| Return on Equity (ROE) | -15.5081% | 5,443 |
| Retained earnings to average equity (ytd only) | -15.5081% | 5,424 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.1155% | 44 |
| Assets per employee ($millions) | 2.7678% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.9610% | 2,948 |
| Net loans and leases to deposits | 74.7545% | 3,528 |
| Net loans and leases to core deposits | 80.9613% | 3,407 |
| Total domestic deposits to total assets | 90.9124% | 240 |
| Equity capital to assets | 8.8003% | 4,723 |
| Core capital (leverage) ratio | 8.7216% | 4,943 |
| Tier 1 risk-based capital ratio | 12.7011% | 4,079 |
| Total risk-based capital ratio | 13.9523% | 3,980 |
| Memoranda: | ||
| Average total assets | $54,472,500 | 4,920 |
| Average earning assets | $49,083,250 | 4,930 |
| Average equity | $4,986,500 | 5,114 |
| Average total loans | $39,229,000 | 4,622 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 542 |
| Cost of funding earning assets | 0.2727% | 4,613 |
| Net interest margin | 4.9425% | 271 |
| Noninterest income to average assets | 0.6873% | 1,924 |
| Noninterest expense to average assets | 6.8124% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.6336% | 5,500 |
| Return on assets (ROA) | -1.6336% | 5,493 |
| Pretax return on assets | -1.6336% | 5,491 |
| Return on Equity (ROE) | -17.5983% | 5,504 |
| Retained earnings to average equity (ytd only) | -17.5983% | 5,486 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.5446% | 50 |
| Assets per employee ($millions) | 2.8787% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 1,795 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 4,880 |
| Noncurrent loans to loans | 0.0434% | 4,725 |
| Net loans and leases to total assets | 67.7182% | 2,911 |
| Net loans and leases to deposits | 74.3363% | 3,500 |
| Net loans and leases to core deposits | 76.7905% | 3,678 |
| Total domestic deposits to total assets | 91.0971% | 229 |
| Equity capital to assets | 8.7044% | 4,799 |
| Core capital (leverage) ratio | 9.4067% | 4,239 |
| Tier 1 risk-based capital ratio | 11.7801% | 4,631 |
| Total risk-based capital ratio | 13.0309% | 4,513 |
| Memoranda: | ||
| Average total assets | $53,255,670 | 4,998 |
| Average earning assets | $48,396,670 | 4,996 |
| Average equity | $4,943,670 | 5,174 |
| Average total loans | $38,946,330 | 4,672 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 360 |
| Cost of funding earning assets | 0.2749% | 4,545 |
| Net interest margin | 5.0902% | 199 |
| Noninterest income to average assets | 0.6927% | 1,863 |
| Noninterest expense to average assets | 7.1691% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.8527% | 5,567 |
| Return on assets (ROA) | -1.8527% | 5,564 |
| Pretax return on assets | -1.8527% | 5,563 |
| Return on Equity (ROE) | -19.2288% | 5,572 |
| Retained earnings to average equity (ytd only) | -19.2288% | 5,497 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.8485% | 44 |
| Assets per employee ($millions) | 2.8779% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,596 |
| Loan loss allowance to noncurrent loans | 3,031.5789% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,927 |
| Noncurrent loans to loans | 0.0483% | 4,762 |
| Net loans and leases to total assets | 74.7732% | 1,747 |
| Net loans and leases to deposits | 82.4496% | 2,555 |
| Net loans and leases to core deposits | 85.6473% | 2,835 |
| Total domestic deposits to total assets | 90.6895% | 415 |
| Equity capital to assets | 9.0132% | 4,542 |
| Core capital (leverage) ratio | 9.2915% | 4,332 |
| Tier 1 risk-based capital ratio | 11.8042% | 4,681 |
| Total risk-based capital ratio | 13.0563% | 4,555 |
| Memoranda: | ||
| Average total assets | $49,657,500 | 5,114 |
| Average earning assets | $45,106,500 | 5,129 |
| Average equity | $4,784,500 | 5,250 |
| Average total loans | $37,663,000 | 4,759 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 1,973 |
| Cost of funding earning assets | 0.2163% | 4,816 |
| Net interest margin | 4.2040% | 1,182 |
| Noninterest income to average assets | 1.2075% | 715 |
| Noninterest expense to average assets | 6.2524% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.1944% | 5,611 |
| Return on assets (ROA) | -1.1944% | 5,609 |
| Pretax return on assets | -1.1944% | 5,614 |
| Return on Equity (ROE) | -11.9600% | 5,607 |
| Retained earnings to average equity (ytd only) | -11.9600% | 5,562 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6142% | 53 |
| Assets per employee ($millions) | 2.5012% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,147 |
| Loan loss allowance to noncurrent loans | 2,742.8571% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,914 |
| Noncurrent loans to loans | 0.0583% | 4,736 |
| Net loans and leases to total assets | 74.5760% | 1,824 |
| Net loans and leases to deposits | 83.3823% | 2,565 |
| Net loans and leases to core deposits | 86.9629% | 2,827 |
| Total domestic deposits to total assets | 89.4386% | 804 |
| Equity capital to assets | 10.3826% | 3,289 |
| Core capital (leverage) ratio | 9.4703% | 4,086 |
| Tier 1 risk-based capital ratio | 13.6424% | 3,551 |
| Total risk-based capital ratio | 14.8977% | 3,460 |
| Memoranda: | ||
| Average total assets | $53,499,800 | 5,091 |
| Average earning assets | $49,001,200 | 5,087 |
| Average equity | $5,342,800 | 5,215 |
| Average total loans | $35,931,200 | 4,845 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,705 |
| Cost of funding earning assets | 0.2003% | 4,972 |
| Net interest margin | 3.9725% | 1,797 |
| Noninterest income to average assets | 1.3698% | 561 |
| Noninterest expense to average assets | 5.7871% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.7637% | 5,655 |
| Return on assets (ROA) | -0.7637% | 5,657 |
| Pretax return on assets | -0.7637% | 5,650 |
| Return on Equity (ROE) | -7.7133% | 5,653 |
| Retained earnings to average equity (ytd only) | -7.7133% | 5,589 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2027% | 77 |
| Assets per employee ($millions) | 3.1376% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,266 |
| Loan loss allowance to noncurrent loans | 2,618.1818% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 5,029 |
| Noncurrent loans to loans | 0.0607% | 4,841 |
| Net loans and leases to total assets | 66.9141% | 2,986 |
| Net loans and leases to deposits | 74.4266% | 3,525 |
| Net loans and leases to core deposits | 77.8299% | 3,653 |
| Total domestic deposits to total assets | 89.9063% | 503 |
| Equity capital to assets | 9.8650% | 4,068 |
| Core capital (leverage) ratio | 9.8904% | 3,710 |
| Tier 1 risk-based capital ratio | 13.3789% | 3,782 |
| Total risk-based capital ratio | 14.6335% | 3,692 |
| Memoranda: | ||
| Average total assets | $54,994,250 | 5,120 |
| Average earning assets | $50,579,750 | 5,110 |
| Average equity | $5,445,000 | 5,252 |
| Average total loans | $35,910,000 | 4,897 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 2,940 |
| Cost of funding earning assets | 0.1836% | 5,113 |
| Net interest margin | 3.8859% | 1,986 |
| Noninterest income to average assets | 1.4619% | 506 |
| Noninterest expense to average assets | 5.5990% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.5545% | 5,688 |
| Return on assets (ROA) | -0.5545% | 5,685 |
| Pretax return on assets | -0.5545% | 5,680 |
| Return on Equity (ROE) | -5.5939% | 5,690 |
| Retained earnings to average equity (ytd only) | -5.5939% | 5,556 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9921% | 101 |
| Assets per employee ($millions) | 3.1163% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 1,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 63.8428% | 3,408 |
| Net loans and leases to deposits | 70.8041% | 3,845 |
| Net loans and leases to core deposits | 73.8605% | 3,951 |
| Total domestic deposits to total assets | 90.1683% | 479 |
| Equity capital to assets | 9.6695% | 4,257 |
| Core capital (leverage) ratio | 9.4208% | 4,212 |
| Tier 1 risk-based capital ratio | 14.4178% | 3,209 |
| Total risk-based capital ratio | 15.6725% | 3,134 |
| Memoranda: | ||
| Average total assets | $55,545,670 | 5,147 |
| Average earning assets | $51,210,330 | 5,133 |
| Average equity | $5,506,000 | 5,272 |
| Average total loans | $35,790,670 | 4,933 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 3,086 |
| Cost of funding earning assets | 0.1567% | 5,323 |
| Net interest margin | 3.8304% | 2,016 |
| Noninterest income to average assets | 1.4185% | 532 |
| Noninterest expense to average assets | 5.4060% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4487% | 5,730 |
| Return on assets (ROA) | -0.4487% | 5,727 |
| Pretax return on assets | -0.4487% | 5,719 |
| Return on Equity (ROE) | -4.4709% | 5,732 |
| Retained earnings to average equity (ytd only) | -4.4709% | 5,354 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0511% | 137 |
| Assets per employee ($millions) | 2.9783% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 1,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 61.8029% | 3,565 |
| Net loans and leases to deposits | 68.6243% | 3,930 |
| Net loans and leases to core deposits | 71.5575% | 4,023 |
| Total domestic deposits to total assets | 90.0597% | 631 |
| Equity capital to assets | 9.7476% | 4,022 |
| Core capital (leverage) ratio | 9.8869% | 3,642 |
| Tier 1 risk-based capital ratio | 13.6447% | 3,689 |
| Total risk-based capital ratio | 14.8974% | 3,591 |
| Memoranda: | ||
| Average total assets | $55,271,500 | 5,206 |
| Average earning assets | $51,065,500 | 5,194 |
| Average equity | $5,547,000 | 5,314 |
| Average total loans | $35,492,000 | 4,984 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 2,733 |
| Cost of funding earning assets | 0.1878% | 5,132 |
| Net interest margin | 3.9435% | 1,812 |
| Noninterest income to average assets | 0.5757% | 2,784 |
| Noninterest expense to average assets | 6.1184% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.8877% | 5,878 |
| Return on assets (ROA) | -1.8877% | 5,878 |
| Pretax return on assets | -1.8877% | 5,873 |
| Return on Equity (ROE) | -17.0726% | 5,869 |
| Retained earnings to average equity (ytd only) | -17.0726% | 5,844 |
| Net charge-offs to loans | -0.0533% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.6203% | 37 |
| Assets per employee ($millions) | 2.9975% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 1,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 64.6075% | 3,273 |
| Net loans and leases to deposits | 72.2332% | 3,691 |
| Net loans and leases to core deposits | 72.9710% | 4,013 |
| Total domestic deposits to total assets | 89.4431% | 886 |
| Equity capital to assets | 10.3382% | 3,341 |
| Core capital (leverage) ratio | 10.3119% | 3,092 |
| Tier 1 risk-based capital ratio | 15.4924% | 2,749 |
| Total risk-based capital ratio | 16.7468% | 2,684 |
| Memoranda: | ||
| Average total assets | $52,285,000 | 5,302 |
| Average earning assets | $48,459,800 | 5,277 |
| Average equity | $5,781,200 | 5,316 |
| Average total loans | $33,762,000 | 5,077 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 2,709 |
| Cost of funding earning assets | 0.1915% | 5,160 |
| Net interest margin | 3.9522% | 1,809 |
| Noninterest income to average assets | 0.5116% | 3,173 |
| Noninterest expense to average assets | 6.0049% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.8328% | 5,940 |
| Return on assets (ROA) | -1.8328% | 5,940 |
| Pretax return on assets | -1.8328% | 5,937 |
| Return on Equity (ROE) | -16.3004% | 5,932 |
| Retained earnings to average equity (ytd only) | -16.3004% | 5,899 |
| Net charge-offs to loans | -0.0320% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.9310% | 42 |
| Assets per employee ($millions) | 2.6994% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 1,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 59.0316% | 3,989 |
| Net loans and leases to deposits | 65.8444% | 4,360 |
| Net loans and leases to core deposits | 66.5136% | 4,572 |
| Total domestic deposits to total assets | 89.6533% | 602 |
| Equity capital to assets | 10.1004% | 4,038 |
| Core capital (leverage) ratio | 10.0477% | 3,508 |
| Tier 1 risk-based capital ratio | 16.0330% | 2,609 |
| Total risk-based capital ratio | 17.2904% | 2,551 |
| Memoranda: | ||
| Average total assets | $51,867,500 | 5,362 |
| Average earning assets | $48,039,500 | 5,339 |
| Average equity | $5,832,000 | 5,364 |
| Average total loans | $33,343,750 | 5,140 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,242 |
| Cost of funding earning assets | 0.1938% | 5,201 |
| Net interest margin | 4.0787% | 1,418 |
| Noninterest income to average assets | 0.4769% | 3,356 |
| Noninterest expense to average assets | 5.9421% | 173 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.6810% | 6,003 |
| Return on assets (ROA) | -1.6810% | 6,004 |
| Pretax return on assets | -1.6810% | 6,001 |
| Return on Equity (ROE) | -14.4336% | 5,996 |
| Retained earnings to average equity (ytd only) | -14.4336% | 5,928 |
| Net charge-offs to loans | -0.0357% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.4495% | 53 |
| Assets per employee ($millions) | 3.1432% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 1,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 63.1721% | 3,478 |
| Net loans and leases to deposits | 70.9338% | 3,897 |
| Net loans and leases to core deposits | 71.7175% | 4,202 |
| Total domestic deposits to total assets | 89.0577% | 892 |
| Equity capital to assets | 10.7420% | 3,351 |
| Core capital (leverage) ratio | 10.7420% | 2,700 |
| Tier 1 risk-based capital ratio | 16.6143% | 2,387 |
| Total risk-based capital ratio | 17.8688% | 2,332 |
| Memoranda: | ||
| Average total assets | $51,160,670 | 5,435 |
| Average earning assets | $47,466,330 | 5,405 |
| Average equity | $5,958,330 | 5,393 |
| Average total loans | $33,646,330 | 5,185 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 1,977 |
| Cost of funding earning assets | 0.1983% | 5,221 |
| Net interest margin | 4.1474% | 1,221 |
| Noninterest income to average assets | 0.5038% | 3,094 |
| Noninterest expense to average assets | 5.9892% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.6392% | 6,063 |
| Return on assets (ROA) | -1.6392% | 6,063 |
| Pretax return on assets | -1.6392% | 6,061 |
| Return on Equity (ROE) | -13.5146% | 6,045 |
| Retained earnings to average equity (ytd only) | -13.5146% | 5,887 |
| Net charge-offs to loans | -0.0480% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.6838% | 57 |
| Assets per employee ($millions) | 3.0226% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 1,404 |
| Loan loss allowance to noncurrent loans | 7,025.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 5,598 |
| Noncurrent loans to loans | 0.0240% | 5,401 |
| Net loans and leases to total assets | 63.8513% | 3,260 |
| Net loans and leases to deposits | 72.4075% | 3,614 |
| Net loans and leases to core deposits | 73.2464% | 3,962 |
| Total domestic deposits to total assets | 88.1833% | 1,540 |
| Equity capital to assets | 11.6084% | 2,337 |
| Core capital (leverage) ratio | 11.4969% | 1,970 |
| Tier 1 risk-based capital ratio | 17.5245% | 2,115 |
| Total risk-based capital ratio | 18.7792% | 2,083 |
| Memoranda: | ||
| Average total assets | $50,023,500 | 5,513 |
| Average earning assets | $46,391,000 | 5,480 |
| Average equity | $6,067,500 | 5,406 |
| Average total loans | $33,309,500 | 5,233 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,424 |
| Cost of funding earning assets | 0.2229% | 5,066 |
| Net interest margin | 4.0159% | 1,667 |
| Noninterest income to average assets | 0.4004% | 4,033 |
| Noninterest expense to average assets | 6.4920% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -2.3528% | 6,148 |
| Return on assets (ROA) | -2.3528% | 6,150 |
| Pretax return on assets | -2.3528% | 6,145 |
| Return on Equity (ROE) | -16.7687% | 6,130 |
| Retained earnings to average equity (ytd only) | -16.7687% | 6,106 |
| Net charge-offs to loans | -0.0343% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.8421% | 32 |
| Assets per employee ($millions) | 2.7034% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 1,399 |
| Loan loss allowance to noncurrent loans | 3,487.5000% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,552 |
| Noncurrent loans to loans | 0.0481% | 5,325 |
| Net loans and leases to total assets | 67.1756% | 2,838 |
| Net loans and leases to deposits | 77.2351% | 3,136 |
| Net loans and leases to core deposits | 78.1903% | 3,524 |
| Total domestic deposits to total assets | 86.9755% | 2,153 |
| Equity capital to assets | 12.6793% | 1,518 |
| Core capital (leverage) ratio | 11.6301% | 1,870 |
| Tier 1 risk-based capital ratio | 18.3817% | 1,864 |
| Total risk-based capital ratio | 19.6359% | 1,813 |
| Memoranda: | ||
| Average total assets | $48,197,800 | 5,581 |
| Average earning assets | $44,871,600 | 5,558 |
| Average equity | $6,762,600 | 5,286 |
| Average total loans | $32,055,400 | 5,295 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,499 |
| Cost of funding earning assets | 0.2239% | 5,148 |
| Net interest margin | 4.0029% | 1,690 |
| Noninterest income to average assets | 0.3771% | 4,236 |
| Noninterest expense to average assets | 6.3169% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -2.2212% | 6,233 |
| Return on assets (ROA) | -2.2212% | 6,235 |
| Pretax return on assets | -2.2212% | 6,232 |
| Return on Equity (ROE) | -15.4537% | 6,212 |
| Retained earnings to average equity (ytd only) | -15.4537% | 6,178 |
| Net charge-offs to loans | -0.0378% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.2316% | 39 |
| Assets per employee ($millions) | 3.0231% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7357% | 1,398 |
| Loan loss allowance to noncurrent loans | 2,926.3158% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,636 |
| Noncurrent loans to loans | 0.0593% | 5,382 |
| Net loans and leases to total assets | 61.2476% | 3,701 |
| Net loans and leases to deposits | 70.3412% | 3,944 |
| Net loans and leases to core deposits | 71.1602% | 4,262 |
| Total domestic deposits to total assets | 87.0722% | 1,999 |
| Equity capital to assets | 12.6574% | 1,648 |
| Core capital (leverage) ratio | 12.7212% | 1,306 |
| Tier 1 risk-based capital ratio | 19.4592% | 1,671 |
| Total risk-based capital ratio | 20.7155% | 1,642 |
| Memoranda: | ||
| Average total assets | $48,081,750 | 5,655 |
| Average earning assets | $44,666,500 | 5,637 |
| Average equity | $6,910,750 | 5,329 |
| Average total loans | $31,757,500 | 5,362 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,044 |
| Cost of funding earning assets | 0.2388% | 5,067 |
| Net interest margin | 4.1013% | 1,347 |
| Noninterest income to average assets | 0.3534% | 4,431 |
| Noninterest expense to average assets | 6.4073% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.2521% | 6,311 |
| Return on assets (ROA) | -2.2521% | 6,312 |
| Pretax return on assets | -2.2521% | 6,310 |
| Return on Equity (ROE) | -15.0156% | 6,278 |
| Retained earnings to average equity (ytd only) | -15.0156% | 6,232 |
| Net charge-offs to loans | -0.0442% | 5,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.2008% | 41 |
| Assets per employee ($millions) | 2.5723% | 5,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 1,459 |
| Loan loss allowance to noncurrent loans | 1,420.5128% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 5,552 |
| Noncurrent loans to loans | 0.1241% | 5,256 |
| Net loans and leases to total assets | 63.1862% | 3,390 |
| Net loans and leases to deposits | 73.6911% | 3,527 |
| Net loans and leases to core deposits | 74.6062% | 3,894 |
| Total domestic deposits to total assets | 85.7447% | 2,823 |
| Equity capital to assets | 13.8727% | 1,026 |
| Core capital (leverage) ratio | 13.1771% | 1,100 |
| Tier 1 risk-based capital ratio | 20.8098% | 1,404 |
| Total risk-based capital ratio | 22.0668% | 1,376 |
| Memoranda: | ||
| Average total assets | $46,978,000 | 5,745 |
| Average earning assets | $43,547,000 | 5,724 |
| Average equity | $7,046,000 | 5,347 |
| Average total loans | $31,665,670 | 5,408 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 1,847 |
| Cost of funding earning assets | 0.2349% | 5,166 |
| Net interest margin | 4.1431% | 1,176 |
| Noninterest income to average assets | 0.2607% | 5,092 |
| Noninterest expense to average assets | 6.4479% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.3550% | 6,375 |
| Return on assets (ROA) | -2.3550% | 6,377 |
| Pretax return on assets | -2.3550% | 6,374 |
| Return on Equity (ROE) | -15.0996% | 6,345 |
| Retained earnings to average equity (ytd only) | -15.0996% | 6,221 |
| Net charge-offs to loans | -0.0629% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.5372% | 41 |
| Assets per employee ($millions) | 2.4658% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 1,692 |
| Loan loss allowance to noncurrent loans | 935.5932% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 5,493 |
| Noncurrent loans to loans | 0.1835% | 5,122 |
| Net loans and leases to total assets | 61.0108% | 3,526 |
| Net loans and leases to deposits | 70.8547% | 3,659 |
| Net loans and leases to core deposits | 71.6794% | 4,001 |
| Total domestic deposits to total assets | 86.1069% | 2,885 |
| Equity capital to assets | 13.6015% | 1,129 |
| Core capital (leverage) ratio | 16.4235% | 421 |
| Tier 1 risk-based capital ratio | 21.5518% | 1,311 |
| Total risk-based capital ratio | 22.8074% | 1,282 |
| Memoranda: | ||
| Average total assets | $46,030,500 | 5,816 |
| Average earning assets | $42,576,500 | 5,796 |
| Average equity | $7,179,000 | 5,366 |
| Average total loans | $31,781,000 | 5,446 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 623 |
| Cost of funding earning assets | 0.2844% | 4,960 |
| Net interest margin | 4.8220% | 417 |
| Noninterest income to average assets | 0.2435% | 5,383 |
| Noninterest expense to average assets | 7.1993% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -2.5792% | 6,470 |
| Return on assets (ROA) | -2.5792% | 6,469 |
| Pretax return on assets | -2.5792% | 6,466 |
| Return on Equity (ROE) | -13.4295% | 6,399 |
| Retained earnings to average equity (ytd only) | -13.4295% | 6,367 |
| Net charge-offs to loans | 0.0898% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -39.2222% | 4,946 |
| Efficiency ratio | 155.8250% | 45 |
| Assets per employee ($millions) | 2.5175% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 1,677 |
| Loan loss allowance to noncurrent loans | 607.7778% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 5,133 |
| Noncurrent loans to loans | 0.2865% | 4,821 |
| Net loans and leases to total assets | 76.6410% | 1,177 |
| Net loans and leases to deposits | 94.2655% | 1,053 |
| Net loans and leases to core deposits | 95.7597% | 1,745 |
| Total domestic deposits to total assets | 81.3034% | 4,656 |
| Equity capital to assets | 18.1604% | 304 |
| Core capital (leverage) ratio | 17.7375% | 306 |
| Tier 1 risk-based capital ratio | 22.4571% | 1,153 |
| Total risk-based capital ratio | 23.7131% | 1,140 |
| Memoranda: | ||
| Average total assets | $41,059,400 | 6,008 |
| Average earning assets | $37,267,000 | 6,007 |
| Average equity | $7,885,600 | 5,230 |
| Average total loans | $30,053,800 | 5,562 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 570 |
| Cost of funding earning assets | 0.2870% | 5,025 |
| Net interest margin | 4.8723% | 362 |
| Noninterest income to average assets | 0.2424% | 5,470 |
| Noninterest expense to average assets | 6.9389% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -2.3076% | 6,540 |
| Return on assets (ROA) | -2.3076% | 6,541 |
| Pretax return on assets | -2.3076% | 6,534 |
| Return on Equity (ROE) | -11.8579% | 6,469 |
| Retained earnings to average equity (ytd only) | -11.8579% | 6,414 |
| Net charge-offs to loans | 0.1615% | 2,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -19.8329% | 4,653 |
| Efficiency ratio | 149.8255% | 57 |
| Assets per employee ($millions) | 2.4091% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 1,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.7437% | 1,566 |
| Net loans and leases to deposits | 91.3245% | 1,293 |
| Net loans and leases to core deposits | 95.8671% | 1,684 |
| Total domestic deposits to total assets | 80.7491% | 4,901 |
| Equity capital to assets | 18.7161% | 287 |
| Core capital (leverage) ratio | 17.7077% | 313 |
| Tier 1 risk-based capital ratio | 23.8726% | 1,004 |
| Total risk-based capital ratio | 25.1284% | 983 |
| Memoranda: | ||
| Average total assets | $41,254,250 | 6,079 |
| Average earning assets | $37,161,500 | 6,084 |
| Average equity | $8,028,250 | 5,238 |
| Average total loans | $29,712,750 | 5,629 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2611% | 462 |
| Cost of funding earning assets | 0.2989% | 4,979 |
| Net interest margin | 4.9622% | 300 |
| Noninterest income to average assets | 0.2370% | 5,503 |
| Noninterest expense to average assets | 6.9449% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.2924% | 6,604 |
| Return on assets (ROA) | -2.2924% | 6,607 |
| Pretax return on assets | -2.2924% | 6,600 |
| Return on Equity (ROE) | -11.6329% | 6,529 |
| Retained earnings to average equity (ytd only) | -11.6329% | 6,452 |
| Net charge-offs to loans | 0.2928% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -11.0233% | 4,316 |
| Efficiency ratio | 149.2723% | 55 |
| Assets per employee ($millions) | 2.7587% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 1,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.6556% | 1,971 |
| Net loans and leases to deposits | 87.8229% | 1,614 |
| Net loans and leases to core deposits | 93.6365% | 1,805 |
| Total domestic deposits to total assets | 80.4524% | 5,144 |
| Equity capital to assets | 19.1078% | 255 |
| Core capital (leverage) ratio | 19.5671% | 218 |
| Tier 1 risk-based capital ratio | 21.6357% | 1,323 |
| Total risk-based capital ratio | 22.8901% | 1,298 |
| Memoranda: | ||
| Average total assets | $41,354,330 | 6,130 |
| Average earning assets | $36,798,330 | 6,152 |
| Average equity | $8,149,330 | 5,229 |
| Average total loans | $29,370,670 | 5,681 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 324 |
| Cost of funding earning assets | 0.2907% | 5,165 |
| Net interest margin | 5.1467% | 208 |
| Noninterest income to average assets | 0.2516% | 5,353 |
| Noninterest expense to average assets | 7.0052% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.1286% | 6,665 |
| Return on assets (ROA) | -2.1286% | 6,662 |
| Pretax return on assets | -2.1286% | 6,650 |
| Return on Equity (ROE) | -10.6402% | 6,570 |
| Retained earnings to average equity (ytd only) | -10.6402% | 6,383 |
| Net charge-offs to loans | -0.0548% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.6508% | 79 |
| Assets per employee ($millions) | 2.5935% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 1,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.5031% | 1,985 |
| Net loans and leases to deposits | 86.8888% | 1,481 |
| Net loans and leases to core deposits | 92.6499% | 1,670 |
| Total domestic deposits to total assets | 79.9908% | 5,483 |
| Equity capital to assets | 19.6573% | 227 |
| Core capital (leverage) ratio | 19.6938% | 221 |
| Tier 1 risk-based capital ratio | 25.3174% | 858 |
| Total risk-based capital ratio | 26.5745% | 836 |
| Memoranda: | ||
| Average total assets | $41,341,000 | 6,185 |
| Average earning assets | $37,150,000 | 6,200 |
| Average equity | $8,270,500 | 5,226 |
| Average total loans | $29,171,500 | 5,742 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 1,112 |
| Cost of funding earning assets | 0.4162% | 4,468 |
| Net interest margin | 4.4764% | 774 |
| Noninterest income to average assets | 0.2507% | 5,551 |
| Noninterest expense to average assets | 6.8294% | 157 |
| Loan and lease loss provision to assets | 0.1774% | 2,084 |
| Net operating income to assets | -2.8127% | 6,754 |
| Return on assets (ROA) | -2.8127% | 6,752 |
| Pretax return on assets | -2.8127% | 6,750 |
| Return on Equity (ROE) | -13.1985% | 6,619 |
| Retained earnings to average equity (ytd only) | -13.1985% | 6,588 |
| Net charge-offs to loans | 0.7487% | 854 |
| Credit loss provision to net charge-offs | 35.0467% | 4,146 |
| Earnings coverage of net charge-offs (x) | -5.2056% | 5,398 |
| Efficiency ratio | 162.8314% | 50 |
| Assets per employee ($millions) | 2.5741% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 1,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.8341% | 2,206 |
| Net loans and leases to deposits | 86.9792% | 1,578 |
| Net loans and leases to core deposits | 93.6107% | 1,627 |
| Total domestic deposits to total assets | 79.1385% | 5,624 |
| Equity capital to assets | 20.3564% | 193 |
| Core capital (leverage) ratio | 19.8680% | 208 |
| Tier 1 risk-based capital ratio | 25.9075% | 777 |
| Total risk-based capital ratio | 27.1662% | 761 |
| Memoranda: | ||
| Average total assets | $42,273,200 | 6,220 |
| Average earning assets | $37,239,800 | 6,245 |
| Average equity | $9,008,600 | 5,076 |
| Average total loans | $28,583,800 | 5,822 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 1,110 |
| Cost of funding earning assets | 0.4474% | 4,301 |
| Net interest margin | 4.4598% | 791 |
| Noninterest income to average assets | 0.2444% | 5,688 |
| Noninterest expense to average assets | 6.6344% | 160 |
| Loan and lease loss provision to assets | 0.2350% | 1,539 |
| Net operating income to assets | -2.7202% | 6,832 |
| Return on assets (ROA) | -2.7202% | 6,835 |
| Pretax return on assets | -2.7202% | 6,831 |
| Return on Equity (ROE) | -12.6277% | 6,715 |
| Retained earnings to average equity (ytd only) | -12.6277% | 6,678 |
| Net charge-offs to loans | 0.8561% | 685 |
| Credit loss provision to net charge-offs | 40.9836% | 3,693 |
| Earnings coverage of net charge-offs (x) | -4.3334% | 5,129 |
| Efficiency ratio | 159.8943% | 59 |
| Assets per employee ($millions) | 3.0529% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 1,243 |
| Loan loss allowance to noncurrent loans | 4,033.3333% | 157 |
| Noncurrent assets plus other real estate owned to assets | 3.9073% | 809 |
| Noncurrent loans to loans | 0.0560% | 6,178 |
| Net loans and leases to total assets | 61.2995% | 3,477 |
| Net loans and leases to deposits | 79.7152% | 2,446 |
| Net loans and leases to core deposits | 86.4373% | 2,356 |
| Total domestic deposits to total assets | 76.8981% | 6,062 |
| Equity capital to assets | 20.3598% | 196 |
| Core capital (leverage) ratio | 20.6636% | 174 |
| Tier 1 risk-based capital ratio | 27.7521% | 649 |
| Total risk-based capital ratio | 29.0120% | 638 |
| Memoranda: | ||
| Average total assets | $42,545,000 | 6,280 |
| Average earning assets | $37,250,000 | 6,318 |
| Average equity | $9,164,750 | 5,099 |
| Average total loans | $28,498,750 | 5,884 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 938 |
| Cost of funding earning assets | 0.4506% | 4,420 |
| Net interest margin | 4.5279% | 677 |
| Noninterest income to average assets | 0.2637% | 5,569 |
| Noninterest expense to average assets | 6.6102% | 166 |
| Loan and lease loss provision to assets | 0.2354% | 1,576 |
| Net operating income to assets | -2.6083% | 6,879 |
| Return on assets (ROA) | -2.6083% | 6,881 |
| Pretax return on assets | -2.6083% | 6,874 |
| Return on Equity (ROE) | -11.8897% | 6,769 |
| Retained earnings to average equity (ytd only) | -11.8897% | 6,708 |
| Net charge-offs to loans | 0.4335% | 1,495 |
| Credit loss provision to net charge-offs | 79.3651% | 2,636 |
| Earnings coverage of net charge-offs (x) | -8.0000% | 4,850 |
| Efficiency ratio | 156.0000% | 64 |
| Assets per employee ($millions) | 2.7931% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5734% | 907 |
| Loan loss allowance to noncurrent loans | 296.6102% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 3.9479% | 885 |
| Noncurrent loans to loans | 0.8676% | 4,188 |
| Net loans and leases to total assets | 63.2542% | 3,055 |
| Net loans and leases to deposits | 83.6389% | 1,850 |
| Net loans and leases to core deposits | 87.2202% | 2,202 |
| Total domestic deposits to total assets | 75.6277% | 6,288 |
| Equity capital to assets | 21.5390% | 151 |
| Core capital (leverage) ratio | 20.2433% | 181 |
| Tier 1 risk-based capital ratio | 29.7043% | 538 |
| Total risk-based capital ratio | 30.9692% | 530 |
| Memoranda: | ||
| Average total assets | $42,479,670 | 6,332 |
| Average earning assets | $37,279,670 | 6,365 |
| Average equity | $9,319,000 | 5,102 |
| Average total loans | $29,063,330 | 5,890 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 1,003 |
| Cost of funding earning assets | 0.4668% | 4,408 |
| Net interest margin | 4.4665% | 717 |
| Noninterest income to average assets | 0.2525% | 5,654 |
| Noninterest expense to average assets | 6.6212% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.4315% | 6,940 |
| Return on assets (ROA) | -2.4315% | 6,941 |
| Pretax return on assets | -2.4315% | 6,933 |
| Return on Equity (ROE) | -10.9861% | 6,822 |
| Retained earnings to average equity (ytd only) | -10.9861% | 6,651 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.0357% | 76 |
| Assets per employee ($millions) | 3.3032% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3790% | 1,278 |
| Loan loss allowance to noncurrent loans | 193.2249% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 4.1615% | 934 |
| Noncurrent loans to loans | 1.2312% | 3,715 |
| Net loans and leases to total assets | 68.1353% | 1,985 |
| Net loans and leases to deposits | 92.9977% | 729 |
| Net loans and leases to core deposits | 97.6569% | 1,103 |
| Total domestic deposits to total assets | 73.2656% | 6,581 |
| Equity capital to assets | 21.7368% | 157 |
| Core capital (leverage) ratio | 22.8382% | 115 |
| Tier 1 risk-based capital ratio | 28.4220% | 616 |
| Total risk-based capital ratio | 29.6859% | 606 |
| Memoranda: | ||
| Average total assets | $42,771,500 | 6,379 |
| Average earning assets | $37,702,500 | 6,414 |
| Average equity | $9,466,500 | 5,118 |
| Average total loans | $29,994,500 | 5,893 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 650 |
| Cost of funding earning assets | 0.5501% | 4,819 |
| Net interest margin | 4.9285% | 429 |
| Noninterest income to average assets | 0.4100% | 4,528 |
| Noninterest expense to average assets | 6.7056% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -2.0453% | 6,936 |
| Return on assets (ROA) | -2.0453% | 6,942 |
| Pretax return on assets | -2.0453% | 6,933 |
| Return on Equity (ROE) | -8.5353% | 6,695 |
| Retained earnings to average equity (ytd only) | -8.5353% | 6,594 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.8875% | 106 |
| Assets per employee ($millions) | 2.8401% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3752% | 1,272 |
| Loan loss allowance to noncurrent loans | 976.7123% | 471 |
| Noncurrent assets plus other real estate owned to assets | 3.4998% | 1,295 |
| Noncurrent loans to loans | 0.2432% | 5,871 |
| Net loans and leases to total assets | 68.7879% | 2,067 |
| Net loans and leases to deposits | 95.3318% | 659 |
| Net loans and leases to core deposits | 100.2189% | 1,010 |
| Total domestic deposits to total assets | 72.1562% | 6,685 |
| Equity capital to assets | 22.5318% | 141 |
| Core capital (leverage) ratio | 22.7496% | 118 |
| Tier 1 risk-based capital ratio | 29.4511% | 537 |
| Total risk-based capital ratio | 30.7128% | 530 |
| Memoranda: | ||
| Average total assets | $41,950,000 | 6,434 |
| Average earning assets | $36,177,000 | 6,497 |
| Average equity | $10,052,400 | 4,972 |
| Average total loans | $29,186,400 | 5,989 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 610 |
| Cost of funding earning assets | 0.5642% | 4,963 |
| Net interest margin | 4.9892% | 414 |
| Noninterest income to average assets | 0.4244% | 4,449 |
| Noninterest expense to average assets | 6.5250% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.8123% | 7,016 |
| Return on assets (ROA) | -1.8123% | 7,029 |
| Pretax return on assets | -1.8123% | 7,004 |
| Return on Equity (ROE) | -7.4496% | 6,798 |
| Retained earnings to average equity (ytd only) | -7.4496% | 6,732 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.4563% | 122 |
| Assets per employee ($millions) | 2.8386% | 6,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 1,253 |
| Loan loss allowance to noncurrent loans | 938.1579% | 457 |
| Noncurrent assets plus other real estate owned to assets | 5.9161% | 683 |
| Noncurrent loans to loans | 0.2624% | 5,969 |
| Net loans and leases to total assets | 66.3520% | 2,582 |
| Net loans and leases to deposits | 92.8701% | 887 |
| Net loans and leases to core deposits | 94.4094% | 1,538 |
| Total domestic deposits to total assets | 71.4460% | 6,765 |
| Equity capital to assets | 23.2251% | 135 |
| Core capital (leverage) ratio | 23.3437% | 115 |
| Tier 1 risk-based capital ratio | 30.1965% | 522 |
| Total risk-based capital ratio | 31.4590% | 508 |
| Memoranda: | ||
| Average total assets | $41,787,000 | 6,514 |
| Average earning assets | $35,917,000 | 6,586 |
| Average equity | $10,165,750 | 4,988 |
| Average total loans | $28,978,500 | 6,069 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6894% | 493 |
| Cost of funding earning assets | 0.5667% | 5,174 |
| Net interest margin | 5.1227% | 328 |
| Noninterest income to average assets | 0.4479% | 4,310 |
| Noninterest expense to average assets | 6.6566% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.8544% | 7,056 |
| Return on assets (ROA) | -1.8544% | 7,068 |
| Pretax return on assets | -1.8544% | 7,054 |
| Return on Equity (ROE) | -7.5063% | 6,848 |
| Retained earnings to average equity (ytd only) | -7.5063% | 6,743 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.6158% | 127 |
| Assets per employee ($millions) | 3.4355% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4332% | 1,368 |
| Loan loss allowance to noncurrent loans | 801.1236% | 497 |
| Noncurrent assets plus other real estate owned to assets | 6.2824% | 664 |
| Noncurrent loans to loans | 0.3037% | 5,952 |
| Net loans and leases to total assets | 69.3494% | 2,040 |
| Net loans and leases to deposits | 98.8384% | 478 |
| Net loans and leases to core deposits | 102.8861% | 925 |
| Total domestic deposits to total assets | 70.1645% | 6,899 |
| Equity capital to assets | 24.3875% | 107 |
| Core capital (leverage) ratio | 23.8353% | 103 |
| Tier 1 risk-based capital ratio | 30.7754% | 488 |
| Total risk-based capital ratio | 32.0395% | 478 |
| Memoranda: | ||
| Average total assets | $41,523,000 | 6,573 |
| Average earning assets | $35,293,670 | 6,647 |
| Average equity | $10,258,000 | 4,970 |
| Average total loans | $28,983,000 | 6,114 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 608 |
| Cost of funding earning assets | 0.5808% | 5,280 |
| Net interest margin | 5.0337% | 376 |
| Noninterest income to average assets | 0.3360% | 5,172 |
| Noninterest expense to average assets | 6.0377% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.4590% | 7,083 |
| Return on assets (ROA) | -1.4590% | 7,091 |
| Pretax return on assets | -1.4590% | 7,072 |
| Return on Equity (ROE) | -5.8687% | 6,880 |
| Retained earnings to average equity (ytd only) | -5.8687% | 6,646 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.8658% | 156 |
| Assets per employee ($millions) | 3.2848% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4992% | 1,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.1893% | 742 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 65.1383% | 2,624 |
| Net loans and leases to deposits | 92.0816% | 792 |
| Net loans and leases to core deposits | 95.6797% | 1,320 |
| Total domestic deposits to total assets | 70.7398% | 6,945 |
| Equity capital to assets | 24.1084% | 108 |
| Core capital (leverage) ratio | 24.6100% | 101 |
| Tier 1 risk-based capital ratio | 31.6527% | 450 |
| Total risk-based capital ratio | 32.9147% | 444 |
| Memoranda: | ||
| Average total assets | $41,671,500 | 6,616 |
| Average earning assets | $35,123,000 | 6,706 |
| Average equity | $10,360,000 | 4,955 |
| Average total loans | $28,823,000 | 6,169 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 771 |
| Cost of funding earning assets | 0.5928% | 6,118 |
| Net interest margin | 5.1145% | 330 |
| Noninterest income to average assets | -0.9039% | 7,316 |
| Noninterest expense to average assets | 7.4005% | 126 |
| Loan and lease loss provision to assets | 0.6607% | 1,543 |
| Net operating income to assets | -4.6349% | 7,286 |
| Return on assets (ROA) | -4.6503% | 7,291 |
| Pretax return on assets | -4.6503% | 7,299 |
| Return on Equity (ROE) | -16.0373% | 6,907 |
| Retained earnings to average equity (ytd only) | -16.0373% | 6,886 |
| Net charge-offs to loans | 0.7609% | 2,253 |
| Credit loss provision to net charge-offs | 121.6981% | 2,602 |
| Earnings coverage of net charge-offs (x) | -7.3208% | 6,379 |
| Efficiency ratio | 215.9940% | 48 |
| Assets per employee ($millions) | 3.1262% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4487% | 1,384 |
| Loan loss allowance to noncurrent loans | 713.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 6.7495% | 691 |
| Noncurrent loans to loans | 0.3434% | 6,042 |
| Net loans and leases to total assets | 69.8917% | 2,053 |
| Net loans and leases to deposits | 101.6171% | 391 |
| Net loans and leases to core deposits | 107.1243% | 751 |
| Total domestic deposits to total assets | 68.7795% | 7,041 |
| Equity capital to assets | 25.6521% | 98 |
| Core capital (leverage) ratio | 24.4954% | 108 |
| Tier 1 risk-based capital ratio | 31.8858% | 429 |
| Total risk-based capital ratio | 33.1485% | 419 |
| Memoranda: | ||
| Average total assets | $39,051,600 | 6,705 |
| Average earning assets | $33,063,000 | 6,780 |
| Average equity | $11,323,600 | 4,709 |
| Average total loans | $27,860,400 | 6,256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7148% | 830 |
| Cost of funding earning assets | 0.5850% | 6,355 |
| Net interest margin | 5.1298% | 320 |
| Noninterest income to average assets | -0.0069% | 7,126 |
| Noninterest expense to average assets | 7.4746% | 120 |
| Loan and lease loss provision to assets | 0.8899% | 1,017 |
| Net operating income to assets | -4.0460% | 7,335 |
| Return on assets (ROA) | -4.0667% | 7,337 |
| Pretax return on assets | -4.0667% | 7,338 |
| Return on Equity (ROE) | -13.6121% | 6,983 |
| Retained earnings to average equity (ytd only) | -13.6121% | 6,957 |
| Net charge-offs to loans | 1.0068% | 1,599 |
| Credit loss provision to net charge-offs | 124.0385% | 2,595 |
| Earnings coverage of net charge-offs (x) | -4.3990% | 6,086 |
| Efficiency ratio | 173.0831% | 90 |
| Assets per employee ($millions) | 3.5155% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 1,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.9434% | 557 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 68.0700% | 2,483 |
| Net loans and leases to deposits | 99.2431% | 502 |
| Net loans and leases to core deposits | 101.8912% | 1,100 |
| Total domestic deposits to total assets | 68.5891% | 7,111 |
| Equity capital to assets | 26.2386% | 106 |
| Core capital (leverage) ratio | 26.5107% | 97 |
| Tier 1 risk-based capital ratio | 32.5688% | 432 |
| Total risk-based capital ratio | 33.8312% | 427 |
| Memoranda: | ||
| Average total assets | $38,654,500 | 6,772 |
| Average earning assets | $32,593,000 | 6,851 |
| Average equity | $11,548,250 | 4,681 |
| Average total loans | $27,546,250 | 6,327 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6759% | 914 |
| Cost of funding earning assets | 0.5928% | 6,498 |
| Net interest margin | 5.0831% | 345 |
| Noninterest income to average assets | -0.5870% | 7,436 |
| Noninterest expense to average assets | 8.1596% | 108 |
| Loan and lease loss provision to assets | 0.8432% | 1,071 |
| Net operating income to assets | -5.2885% | 7,445 |
| Return on assets (ROA) | -5.2885% | 7,447 |
| Pretax return on assets | -5.2885% | 7,445 |
| Return on Equity (ROE) | -16.9286% | 7,107 |
| Retained earnings to average equity (ytd only) | -16.9286% | 7,089 |
| Net charge-offs to loans | 0.9882% | 1,590 |
| Credit loss provision to net charge-offs | 118.7970% | 2,586 |
| Earnings coverage of net charge-offs (x) | -6.2632% | 5,805 |
| Efficiency ratio | 219.6839% | 46 |
| Assets per employee ($millions) | 3.3257% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3025% | 1,737 |
| Loan loss allowance to noncurrent loans | 922.6667% | 401 |
| Noncurrent assets plus other real estate owned to assets | 8.6098% | 501 |
| Noncurrent loans to loans | 0.2496% | 6,420 |
| Net loans and leases to total assets | 73.5742% | 1,490 |
| Net loans and leases to deposits | 114.9558% | 119 |
| Net loans and leases to core deposits | 118.4286% | 460 |
| Total domestic deposits to total assets | 64.0022% | 7,317 |
| Equity capital to assets | 28.1773% | 92 |
| Core capital (leverage) ratio | 29.4345% | 85 |
| Tier 1 risk-based capital ratio | 33.6404% | 396 |
| Total risk-based capital ratio | 34.9016% | 387 |
| Memoranda: | ||
| Average total assets | $37,477,330 | 6,868 |
| Average earning assets | $31,713,000 | 6,944 |
| Average equity | $11,708,000 | 4,639 |
| Average total loans | $26,917,330 | 6,420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3014% | 1,863 |
| Cost of funding earning assets | 0.6077% | 6,585 |
| Net interest margin | 4.6936% | 717 |
| Noninterest income to average assets | 0.3199% | 5,362 |
| Noninterest expense to average assets | 9.9167% | 77 |
| Loan and lease loss provision to assets | 0.1655% | 3,976 |
| Net operating income to assets | -5.7581% | 7,502 |
| Return on assets (ROA) | -5.7581% | 7,503 |
| Pretax return on assets | -5.7581% | 7,499 |
| Return on Equity (ROE) | -17.4882% | 7,188 |
| Retained earnings to average equity (ytd only) | -17.4882% | 7,104 |
| Net charge-offs to loans | 0.9468% | 1,414 |
| Credit loss provision to net charge-offs | 25.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | -8.4500% | 5,052 |
| Efficiency ratio | 229.3367% | 51 |
| Assets per employee ($millions) | 2.6581% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4696% | 1,504 |
| Loan loss allowance to noncurrent loans | 108.3624% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 9.8995% | 422 |
| Noncurrent loans to loans | 2.2790% | 3,219 |
| Net loans and leases to total assets | 66.0074% | 3,007 |
| Net loans and leases to deposits | 105.1226% | 275 |
| Net loans and leases to core deposits | 108.5894% | 812 |
| Total domestic deposits to total assets | 62.7909% | 7,388 |
| Equity capital to assets | 31.3538% | 73 |
| Core capital (leverage) ratio | 32.2035% | 68 |
| Tier 1 risk-based capital ratio | 41.1967% | 219 |
| Total risk-based capital ratio | 42.4614% | 213 |
| Memoranda: | ||
| Average total assets | $36,262,000 | 6,961 |
| Average earning assets | $30,935,500 | 7,020 |
| Average equity | $11,939,500 | 4,564 |
| Average total loans | $25,349,000 | 6,568 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 2,989 |
| Cost of funding earning assets | 0.6087% | 7,110 |
| Net interest margin | 4.7192% | 783 |
| Noninterest income to average assets | 0.4672% | 4,397 |
| Noninterest expense to average assets | 8.5108% | 100 |
| Loan and lease loss provision to assets | 2.1352% | 597 |
| Net operating income to assets | -6.0089% | 7,584 |
| Return on assets (ROA) | -5.7698% | 7,582 |
| Pretax return on assets | -5.7698% | 7,575 |
| Return on Equity (ROE) | -15.9108% | 6,950 |
| Retained earnings to average equity (ytd only) | -15.9108% | 6,917 |
| Net charge-offs to loans | 3.8176% | 347 |
| Credit loss provision to net charge-offs | 80.2041% | 5,558 |
| Earnings coverage of net charge-offs (x) | -1.4551% | 6,672 |
| Efficiency ratio | 183.5384% | 112 |
| Assets per employee ($millions) | 2.5221% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6145% | 1,277 |
| Loan loss allowance to noncurrent loans | 28.7252% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 10.9374% | 353 |
| Noncurrent loans to loans | 9.1016% | 510 |
| Net loans and leases to total assets | 70.3625% | 2,444 |
| Net loans and leases to deposits | 118.9667% | 122 |
| Net loans and leases to core deposits | 123.3553% | 440 |
| Total domestic deposits to total assets | 59.1447% | 7,517 |
| Equity capital to assets | 34.5823% | 63 |
| Core capital (leverage) ratio | 34.1036% | 69 |
| Tier 1 risk-based capital ratio | 44.1031% | 178 |
| Total risk-based capital ratio | 45.3683% | 179 |
| Memoranda: | ||
| Average total assets | $36,812,200 | 6,981 |
| Average earning assets | $32,526,400 | 7,000 |
| Average equity | $13,349,400 | 4,298 |
| Average total loans | $25,670,400 | 6,629 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 3,603 |
| Cost of funding earning assets | 0.6197% | 7,250 |
| Net interest margin | 4.6254% | 994 |
| Noninterest income to average assets | 0.1900% | 6,524 |
| Noninterest expense to average assets | 7.7551% | 119 |
| Loan and lease loss provision to assets | 2.8001% | 335 |
| Net operating income to assets | -6.2707% | 7,698 |
| Return on assets (ROA) | -6.0162% | 7,695 |
| Pretax return on assets | -6.0162% | 7,690 |
| Return on Equity (ROE) | -16.4096% | 7,143 |
| Retained earnings to average equity (ytd only) | -16.4096% | 7,119 |
| Net charge-offs to loans | 5.6112% | 131 |
| Credit loss provision to net charge-offs | 72.1811% | 5,360 |
| Earnings coverage of net charge-offs (x) | -0.8946% | 6,431 |
| Efficiency ratio | 181.0042% | 114 |
| Assets per employee ($millions) | 2.3519% | 7,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 1,945 |
| Loan loss allowance to noncurrent loans | 17.1621% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 11.2733% | 315 |
| Noncurrent loans to loans | 12.3734% | 264 |
| Net loans and leases to total assets | 73.1646% | 1,982 |
| Net loans and leases to deposits | 115.6666% | 162 |
| Net loans and leases to core deposits | 122.4605% | 545 |
| Total domestic deposits to total assets | 63.2547% | 7,538 |
| Equity capital to assets | 36.0139% | 61 |
| Core capital (leverage) ratio | 33.5960% | 67 |
| Tier 1 risk-based capital ratio | 45.1455% | 176 |
| Total risk-based capital ratio | 46.4054% | 174 |
| Memoranda: | ||
| Average total assets | $37,187,750 | 7,046 |
| Average earning assets | $32,918,750 | 7,070 |
| Average equity | $13,634,000 | 4,295 |
| Average total loans | $25,710,000 | 6,717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2080% | 3,914 |
| Cost of funding earning assets | 0.6039% | 7,400 |
| Net interest margin | 4.6041% | 985 |
| Noninterest income to average assets | 0.1851% | 6,580 |
| Noninterest expense to average assets | 7.6459% | 128 |
| Loan and lease loss provision to assets | 0.8037% | 1,795 |
| Net operating income to assets | -4.1931% | 7,642 |
| Return on assets (ROA) | -3.8124% | 7,611 |
| Pretax return on assets | -3.8124% | 7,579 |
| Return on Equity (ROE) | -10.3416% | 6,978 |
| Retained earnings to average equity (ytd only) | -10.3416% | 6,929 |
| Net charge-offs to loans | -0.0078% | 7,166 |
| Credit loss provision to net charge-offs | -15,200.0000% | 7,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.6273% | 130 |
| Assets per employee ($millions) | 3.1643% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7646% | 447 |
| Loan loss allowance to noncurrent loans | 71.4588% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 5.6594% | 1,070 |
| Noncurrent loans to loans | 5.2682% | 1,286 |
| Net loans and leases to total assets | 68.2635% | 3,298 |
| Net loans and leases to deposits | 107.3822% | 337 |
| Net loans and leases to core deposits | 109.6304% | 1,190 |
| Total domestic deposits to total assets | 63.5705% | 7,596 |
| Equity capital to assets | 35.9001% | 62 |
| Core capital (leverage) ratio | 36.2277% | 63 |
| Tier 1 risk-based capital ratio | 47.1906% | 169 |
| Total risk-based capital ratio | 48.4714% | 169 |
| Memoranda: | ||
| Average total assets | $37,824,330 | 7,080 |
| Average earning assets | $33,448,670 | 7,097 |
| Average equity | $13,943,670 | 4,214 |
| Average total loans | $25,489,670 | 6,774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 3,716 |
| Cost of funding earning assets | 0.6199% | 7,508 |
| Net interest margin | 4.6435% | 882 |
| Noninterest income to average assets | 0.2225% | 6,375 |
| Noninterest expense to average assets | 7.9469% | 120 |
| Loan and lease loss provision to assets | 1.2397% | 979 |
| Net operating income to assets | -4.9165% | 7,780 |
| Return on assets (ROA) | -4.1536% | 7,728 |
| Pretax return on assets | -4.1536% | 7,698 |
| Return on Equity (ROE) | -11.1210% | 7,175 |
| Retained earnings to average equity (ytd only) | -11.1210% | 7,022 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.1042% | 113 |
| Assets per employee ($millions) | 3.1274% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9252% | 404 |
| Loan loss allowance to noncurrent loans | 52.2995% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 7.0212% | 765 |
| Noncurrent loans to loans | 7.5052% | 762 |
| Net loans and leases to total assets | 63.7853% | 4,377 |
| Net loans and leases to deposits | 102.2948% | 627 |
| Net loans and leases to core deposits | 104.4962% | 1,699 |
| Total domestic deposits to total assets | 62.3544% | 7,710 |
| Equity capital to assets | 37.1473% | 60 |
| Core capital (leverage) ratio | 37.1668% | 58 |
| Tier 1 risk-based capital ratio | 50.6500% | 150 |
| Total risk-based capital ratio | 51.9316% | 150 |
| Memoranda: | ||
| Average total assets | $37,750,500 | 7,175 |
| Average earning assets | $32,906,500 | 7,204 |
| Average equity | $14,099,500 | 4,222 |
| Average total loans | $24,767,000 | 6,893 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 6,203 |
| Cost of funding earning assets | 0.6768% | 7,712 |
| Net interest margin | 4.3908% | 1,460 |
| Noninterest income to average assets | 0.5017% | 4,392 |
| Noninterest expense to average assets | 8.9354% | 112 |
| Loan and lease loss provision to assets | 0.2496% | 5,399 |
| Net operating income to assets | -4.7249% | 7,705 |
| Return on assets (ROA) | -4.6770% | 7,698 |
| Pretax return on assets | -4.6770% | 7,661 |
| Return on Equity (ROE) | -12.1890% | 6,780 |
| Retained earnings to average equity (ytd only) | -12.1890% | 6,697 |
| Net charge-offs to loans | 0.7220% | 3,028 |
| Credit loss provision to net charge-offs | 54.6961% | 6,698 |
| Earnings coverage of net charge-offs (x) | -9.8066% | 7,163 |
| Efficiency ratio | 200.3392% | 139 |
| Assets per employee ($millions) | 2.7123% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4974% | 530 |
| Loan loss allowance to noncurrent loans | 47.9933% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 6.9578% | 725 |
| Noncurrent loans to loans | 7.2874% | 737 |
| Net loans and leases to total assets | 62.5645% | 4,889 |
| Net loans and leases to deposits | 101.3394% | 799 |
| Net loans and leases to core deposits | 117.5391% | 2,176 |
| Total domestic deposits to total assets | 61.7376% | 7,767 |
| Equity capital to assets | 37.5487% | 69 |
| Core capital (leverage) ratio | 36.9094% | 73 |
| Tier 1 risk-based capital ratio | 49.1321% | 168 |
| Total risk-based capital ratio | 50.4046% | 166 |
| Memoranda: | ||
| Average total assets | $39,662,400 | 7,110 |
| Average earning assets | $35,756,600 | 7,110 |
| Average equity | $15,218,600 | 4,026 |
| Average total loans | $25,067,600 | 6,910 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 6,112 |
| Cost of funding earning assets | 0.6708% | 7,839 |
| Net interest margin | 4.4784% | 1,246 |
| Noninterest income to average assets | 0.5588% | 4,018 |
| Noninterest expense to average assets | 9.0106% | 119 |
| Loan and lease loss provision to assets | 0.3293% | 4,362 |
| Net operating income to assets | -4.7398% | 7,819 |
| Return on assets (ROA) | -4.7165% | 7,815 |
| Pretax return on assets | -4.7165% | 7,774 |
| Return on Equity (ROE) | -12.2301% | 7,035 |
| Retained earnings to average equity (ytd only) | -12.2301% | 6,958 |
| Net charge-offs to loans | 0.9584% | 2,060 |
| Credit loss provision to net charge-offs | 54.6961% | 6,248 |
| Earnings coverage of net charge-offs (x) | -7.3259% | 6,882 |
| Efficiency ratio | 195.8785% | 166 |
| Assets per employee ($millions) | 2.7379% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8151% | 334 |
| Loan loss allowance to noncurrent loans | 47.4903% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 8.1292% | 518 |
| Noncurrent loans to loans | 8.0335% | 604 |
| Net loans and leases to total assets | 56.6304% | 6,077 |
| Net loans and leases to deposits | 93.5768% | 1,952 |
| Net loans and leases to core deposits | 102.5366% | 4,102 |
| Total domestic deposits to total assets | 60.5176% | 7,861 |
| Equity capital to assets | 38.6684% | 77 |
| Core capital (leverage) ratio | 38.3358% | 79 |
| Tier 1 risk-based capital ratio | 52.1424% | 157 |
| Total risk-based capital ratio | 53.4144% | 156 |
| Memoranda: | ||
| Average total assets | $40,085,000 | 7,143 |
| Average earning assets | $36,172,750 | 7,156 |
| Average equity | $15,458,750 | 4,015 |
| Average total loans | $25,180,000 | 6,961 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 6,595 |
| Cost of funding earning assets | 0.6301% | 7,970 |
| Net interest margin | 4.4267% | 1,348 |
| Noninterest income to average assets | 0.6295% | 3,471 |
| Noninterest expense to average assets | 8.7780% | 141 |
| Loan and lease loss provision to assets | 0.4868% | 3,100 |
| Net operating income to assets | -4.6275% | 7,906 |
| Return on assets (ROA) | -4.5931% | 7,900 |
| Pretax return on assets | -4.5931% | 7,817 |
| Return on Equity (ROE) | -11.9201% | 7,171 |
| Retained earnings to average equity (ytd only) | -11.9201% | 7,054 |
| Net charge-offs to loans | 1.1593% | 1,571 |
| Credit loss provision to net charge-offs | 65.5629% | 5,496 |
| Earnings coverage of net charge-offs (x) | -5.5762% | 6,471 |
| Efficiency ratio | 189.2895% | 220 |
| Assets per employee ($millions) | 2.6669% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3428% | 431 |
| Loan loss allowance to noncurrent loans | 39.9731% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 9.7276% | 314 |
| Noncurrent loans to loans | 8.3627% | 504 |
| Net loans and leases to total assets | 69.0013% | 3,947 |
| Net loans and leases to deposits | 123.8427% | 182 |
| Net loans and leases to core deposits | 134.1893% | 1,307 |
| Total domestic deposits to total assets | 55.7168% | 8,011 |
| Equity capital to assets | 40.8763% | 81 |
| Core capital (leverage) ratio | 40.1495% | 90 |
| Tier 1 risk-based capital ratio | 48.7875% | 195 |
| Total risk-based capital ratio | 50.0576% | 192 |
| Memoranda: | ||
| Average total assets | $40,669,670 | 7,179 |
| Average earning assets | $36,821,670 | 7,183 |
| Average equity | $15,671,000 | 3,984 |
| Average total loans | $26,050,670 | 6,964 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 7,183 |
| Cost of funding earning assets | 0.5928% | 8,061 |
| Net interest margin | 4.3054% | 1,590 |
| Noninterest income to average assets | 0.6330% | 3,328 |
| Noninterest expense to average assets | 8.2672% | 147 |
| Loan and lease loss provision to assets | 1.1621% | 1,119 |
| Net operating income to assets | -4.8847% | 8,032 |
| Return on assets (ROA) | -4.8186% | 8,021 |
| Pretax return on assets | -4.8186% | 7,971 |
| Return on Equity (ROE) | -12.8500% | 7,514 |
| Retained earnings to average equity (ytd only) | -12.8500% | 7,315 |
| Net charge-offs to loans | 0.4039% | 2,488 |
| Credit loss provision to net charge-offs | 473.0769% | 1,125 |
| Earnings coverage of net charge-offs (x) | -15.1538% | 5,644 |
| Efficiency ratio | 181.9127% | 235 |
| Assets per employee ($millions) | 2.9437% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1929% | 188 |
| Loan loss allowance to noncurrent loans | 69.7051% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 7.2285% | 455 |
| Noncurrent loans to loans | 6.0152% | 798 |
| Net loans and leases to total assets | 57.6628% | 5,999 |
| Net loans and leases to deposits | 93.9177% | 2,279 |
| Net loans and leases to core deposits | 109.9066% | 3,449 |
| Total domestic deposits to total assets | 61.3972% | 7,933 |
| Equity capital to assets | 38.0350% | 97 |
| Core capital (leverage) ratio | 37.5099% | 105 |
| Tier 1 risk-based capital ratio | 50.6413% | 196 |
| Total risk-based capital ratio | 51.9173% | 194 |
| Memoranda: | ||
| Average total assets | $42,336,000 | 7,151 |
| Average earning assets | $38,463,000 | 7,148 |
| Average equity | $15,875,500 | 3,969 |
| Average total loans | $25,749,000 | 7,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 7,769 |
| Cost of funding earning assets | 0.8864% | 8,093 |
| Net interest margin | 4.2142% | 2,262 |
| Noninterest income to average assets | 0.5612% | 4,148 |
| Noninterest expense to average assets | 10.0494% | 137 |
| Loan and lease loss provision to assets | 1.7179% | 754 |
| Net operating income to assets | -7.2798% | 8,205 |
| Return on assets (ROA) | -7.2798% | 8,200 |
| Pretax return on assets | -7.2798% | 8,175 |
| Return on Equity (ROE) | -18.0223% | 7,715 |
| Retained earnings to average equity (ytd only) | -18.0223% | 7,623 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 223.9451% | 164 |
| Assets per employee ($millions) | 2.2874% | 7,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5326% | 268 |
| Loan loss allowance to noncurrent loans | 31.6549% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 6.8546% | 390 |
| Noncurrent loans to loans | 11.1598% | 163 |
| Net loans and leases to total assets | 59.2522% | 6,019 |
| Net loans and leases to deposits | 95.2823% | 2,564 |
| Net loans and leases to core deposits | 102.4712% | 4,558 |
| Total domestic deposits to total assets | 62.1859% | 7,878 |
| Equity capital to assets | 36.9903% | 116 |
| Core capital (leverage) ratio | 35.2835% | 135 |
| Tier 1 risk-based capital ratio | 51.7496% | 204 |
| Total risk-based capital ratio | 53.0233% | 199 |
| Memoranda: | ||
| Average total assets | $43,833,600 | 7,034 |
| Average earning assets | $40,837,800 | 7,006 |
| Average equity | $17,705,800 | 3,608 |
| Average total loans | $21,876,000 | 7,201 |