Home > 1st Advantage Bank > Performance and Condition Ratios
1st Advantage 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 | 5.3860% | 1,337 |
| Cost of funding earning assets | 1.2512% | 2,657 |
| Net interest margin | 4.1348% | 1,028 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.8939% | 1,287 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1842% | 1,686 |
| Return on assets (ROA) | 1.1842% | 1,663 |
| Pretax return on assets | 1.1842% | 2,184 |
| Return on Equity (ROE) | 11.4900% | 2,097 |
| Retained earnings to average equity (ytd only) | 11.4874% | 703 |
| 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 | 69.4888% | 1,959 |
| Assets per employee ($millions) | 7.2453% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,015 |
| 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 | 90.0000% | 35 |
| Net loans and leases to deposits | 103.2608% | 399 |
| Net loans and leases to core deposits | 119.6982% | 634 |
| Total domestic deposits to total assets | 87.1500% | 1,629 |
| Equity capital to assets | 10.7880% | 1,591 |
| Core capital (leverage) ratio | 10.5235% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $150,317,400 | 3,356 |
| Average earning assets | $144,745,600 | 3,295 |
| Average equity | $15,495,200 | 3,221 |
| Average total loans | $135,137,800 | 2,814 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 1,409 |
| Cost of funding earning assets | 1.1237% | 2,673 |
| Net interest margin | 4.1012% | 1,065 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.8266% | 1,372 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1860% | 1,830 |
| Return on assets (ROA) | 1.1860% | 1,816 |
| Pretax return on assets | 1.1860% | 2,334 |
| Return on Equity (ROE) | 11.6400% | 2,217 |
| Retained earnings to average equity (ytd only) | 11.6425% | 1,035 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.8855% | 1,917 |
| Assets per employee ($millions) | 7.6999% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,265 |
| 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 | 89.6100% | 44 |
| Net loans and leases to deposits | 104.9046% | 324 |
| Net loans and leases to core deposits | 118.8474% | 584 |
| Total domestic deposits to total assets | 85.4200% | 2,379 |
| Equity capital to assets | 10.2885% | 1,654 |
| Core capital (leverage) ratio | 10.6887% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,859,000 | 3,370 |
| Average earning assets | $143,922,500 | 3,310 |
| Average equity | $15,265,500 | 3,231 |
| Average total loans | $134,256,500 | 2,826 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 1,293 |
| Cost of funding earning assets | 1.0182% | 2,538 |
| Net interest margin | 4.1262% | 1,045 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.8179% | 1,381 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2567% | 1,677 |
| Return on assets (ROA) | 1.2567% | 1,670 |
| Pretax return on assets | 1.2567% | 2,201 |
| Return on Equity (ROE) | 12.3800% | 2,044 |
| Retained earnings to average equity (ytd only) | 12.3800% | 915 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.4107% | 1,932 |
| Assets per employee ($millions) | 7.0652% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,313 |
| 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 | 88.7800% | 62 |
| Net loans and leases to deposits | 101.7662% | 441 |
| Net loans and leases to core deposits | 114.2612% | 678 |
| Total domestic deposits to total assets | 87.2400% | 1,851 |
| Equity capital to assets | 10.3822% | 1,642 |
| Core capital (leverage) ratio | 10.6031% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $148,479,667 | 3,392 |
| Average earning assets | $142,018,667 | 3,339 |
| Average equity | $15,072,667 | 3,261 |
| Average total loans | $132,439,667 | 2,840 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 1,187 |
| Cost of funding earning assets | 0.9523% | 2,212 |
| Net interest margin | 4.0703% | 1,141 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.8061% | 1,420 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.3196% | 1,624 |
| Return on assets (ROA) | 1.3196% | 1,592 |
| Pretax return on assets | 1.3196% | 2,121 |
| Return on Equity (ROE) | 13.1400% | 1,958 |
| Retained earnings to average equity (ytd only) | 13.1376% | 1,067 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.4176% | 1,928 |
| Assets per employee ($millions) | 6.9372% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,428 |
| 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 | 88.0800% | 70 |
| Net loans and leases to deposits | 98.4826% | 514 |
| Net loans and leases to core deposits | 110.1552% | 702 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 10.3177% | 1,661 |
| Core capital (leverage) ratio | 10.1308% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $148,534,500 | 3,442 |
| Average earning assets | $142,398,000 | 3,383 |
| Average equity | $14,919,000 | 3,314 |
| Average total loans | $131,983,000 | 2,880 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 837 |
| Cost of funding earning assets | 0.4069% | 2,039 |
| Net interest margin | 4.0172% | 770 |
| Noninterest income to average assets | -0.0800% | 4,699 |
| Noninterest expense to average assets | 2.7566% | 1,423 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9009% | 2,961 |
| Return on assets (ROA) | 0.9009% | 2,895 |
| Pretax return on assets | 0.9009% | 3,352 |
| Return on Equity (ROE) | 9.1800% | 3,072 |
| Retained earnings to average equity (ytd only) | 9.1771% | 1,431 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.8587% | 1,344 |
| Assets per employee ($millions) | 7.5694% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,388 |
| 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 | 87.6700% | 80 |
| Net loans and leases to deposits | 99.3123% | 468 |
| Net loans and leases to core deposits | 107.0165% | 714 |
| Total domestic deposits to total assets | 88.2800% | 1,978 |
| Equity capital to assets | 9.7808% | 1,837 |
| Core capital (leverage) ratio | 10.0519% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $144,417,200 | 3,499 |
| Average earning assets | $138,852,200 | 3,432 |
| Average equity | $14,176,600 | 3,447 |
| Average total loans | $124,984,800 | 2,879 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 772 |
| Cost of funding earning assets | 0.3406% | 1,781 |
| Net interest margin | 3.9331% | 735 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.7185% | 1,429 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0018% | 2,478 |
| Return on assets (ROA) | 1.0018% | 2,441 |
| Pretax return on assets | 1.0018% | 3,007 |
| Return on Equity (ROE) | 10.2000% | 2,662 |
| Retained earnings to average equity (ytd only) | 10.1954% | 1,288 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.2318% | 1,730 |
| Assets per employee ($millions) | 7.2175% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,303 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 1,115 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 87.1000% | 89 |
| Net loans and leases to deposits | 97.1314% | 491 |
| Net loans and leases to core deposits | 103.0364% | 699 |
| Total domestic deposits to total assets | 89.6700% | 1,801 |
| Equity capital to assets | 10.0499% | 1,591 |
| Core capital (leverage) ratio | 10.0297% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5467% | 2,642 |
| Memoranda: | ||
| Average total assets | $142,674,500 | 3,536 |
| Average earning assets | $137,395,500 | 3,471 |
| Average equity | $14,019,000 | 3,506 |
| Average total loans | $122,714,750 | 2,904 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 778 |
| Cost of funding earning assets | 0.2835% | 1,867 |
| Net interest margin | 3.8085% | 742 |
| Noninterest income to average assets | 0.0774% | 4,565 |
| Noninterest expense to average assets | 2.6570% | 1,491 |
| Loan and lease loss provision to assets | 0.1956% | 430 |
| Net operating income to assets | 0.8922% | 2,615 |
| Return on assets (ROA) | 0.8922% | 2,589 |
| Pretax return on assets | 0.8922% | 3,094 |
| Return on Equity (ROE) | 9.1511% | 2,646 |
| Retained earnings to average equity (ytd only) | 9.1511% | 1,242 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9508% | 1,832 |
| Assets per employee ($millions) | 7.3389% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 1,138 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 87.0328% | 66 |
| Net loans and leases to deposits | 96.5680% | 406 |
| Net loans and leases to core deposits | 102.9363% | 551 |
| Total domestic deposits to total assets | 90.1259% | 1,661 |
| Equity capital to assets | 9.6390% | 1,914 |
| Core capital (leverage) ratio | 9.5932% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0515% | 2,802 |
| Memoranda: | ||
| Average total assets | $142,116,000 | 3,583 |
| Average earning assets | $136,852,667 | 3,527 |
| Average equity | $13,856,333 | 3,600 |
| Average total loans | $121,271,333 | 2,931 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 782 |
| Cost of funding earning assets | 0.2794% | 1,828 |
| Net interest margin | 3.7157% | 730 |
| Noninterest income to average assets | 0.0687% | 4,611 |
| Noninterest expense to average assets | 2.5926% | 1,631 |
| Loan and lease loss provision to assets | 0.1545% | 505 |
| Net operating income to assets | 0.8985% | 2,273 |
| Return on assets (ROA) | 0.8985% | 2,274 |
| Pretax return on assets | 0.8985% | 2,782 |
| Return on Equity (ROE) | 9.1609% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.1609% | 1,229 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1146% | 2,091 |
| Assets per employee ($millions) | 7.6815% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 1,143 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 81.5826% | 176 |
| Net loans and leases to deposits | 90.2831% | 499 |
| Net loans and leases to core deposits | 96.8852% | 617 |
| Total domestic deposits to total assets | 90.3631% | 1,349 |
| Equity capital to assets | 9.4834% | 2,298 |
| Core capital (leverage) ratio | 9.7446% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6575% | 2,731 |
| Memoranda: | ||
| Average total assets | $139,785,000 | 3,622 |
| Average earning assets | $134,563,000 | 3,574 |
| Average equity | $13,710,500 | 3,685 |
| Average total loans | $117,385,500 | 2,964 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 675 |
| Cost of funding earning assets | 0.4180% | 1,409 |
| Net interest margin | 4.0146% | 688 |
| Noninterest income to average assets | -0.3335% | 4,838 |
| Noninterest expense to average assets | 2.5502% | 2,023 |
| Loan and lease loss provision to assets | 0.0710% | 1,666 |
| Net operating income to assets | 0.8873% | 3,090 |
| Return on assets (ROA) | 0.8873% | 3,152 |
| Pretax return on assets | 0.8873% | 3,540 |
| Return on Equity (ROE) | 9.1388% | 2,861 |
| Retained earnings to average equity (ytd only) | 9.1388% | 1,159 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6870% | 1,435 |
| Assets per employee ($millions) | 7.4234% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 1,105 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 84.8138% | 84 |
| Net loans and leases to deposits | 94.6419% | 365 |
| Net loans and leases to core deposits | 101.2626% | 484 |
| Total domestic deposits to total assets | 89.6154% | 1,159 |
| Equity capital to assets | 10.1631% | 2,508 |
| Core capital (leverage) ratio | 9.5677% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8507% | 2,688 |
| Memoranda: | ||
| Average total assets | $135,243,000 | 3,629 |
| Average earning assets | $129,426,800 | 3,583 |
| Average equity | $13,130,800 | 3,818 |
| Average total loans | $113,086,000 | 3,023 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 630 |
| Cost of funding earning assets | 0.4478% | 1,367 |
| Net interest margin | 4.0890% | 669 |
| Noninterest income to average assets | -0.4521% | 4,913 |
| Noninterest expense to average assets | 2.5153% | 2,075 |
| Loan and lease loss provision to assets | 0.0597% | 1,798 |
| Net operating income to assets | 0.8768% | 3,312 |
| Return on assets (ROA) | 0.8768% | 3,388 |
| Pretax return on assets | 0.8768% | 3,748 |
| Return on Equity (ROE) | 9.1355% | 3,066 |
| Retained earnings to average equity (ytd only) | 9.1355% | 1,644 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8645% | 1,327 |
| Assets per employee ($millions) | 8.0219% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 633 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 76.9023% | 479 |
| Net loans and leases to deposits | 85.5919% | 852 |
| Net loans and leases to core deposits | 90.9331% | 986 |
| Total domestic deposits to total assets | 89.8477% | 839 |
| Equity capital to assets | 9.8803% | 3,017 |
| Core capital (leverage) ratio | 9.9198% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9471% | 2,384 |
| Memoranda: | ||
| Average total assets | $135,648,500 | 3,661 |
| Average earning assets | $129,515,000 | 3,618 |
| Average equity | $13,018,500 | 3,881 |
| Average total loans | $112,735,500 | 3,073 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 601 |
| Cost of funding earning assets | 0.4911% | 1,258 |
| Net interest margin | 4.1321% | 658 |
| Noninterest income to average assets | -0.5849% | 4,951 |
| Noninterest expense to average assets | 2.4401% | 2,339 |
| Loan and lease loss provision to assets | 0.0901% | 1,383 |
| Net operating income to assets | 0.8242% | 3,439 |
| Return on assets (ROA) | 0.8242% | 3,508 |
| Pretax return on assets | 0.8242% | 3,813 |
| Return on Equity (ROE) | 8.6736% | 3,202 |
| Retained earnings to average equity (ytd only) | 8.6736% | 1,827 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7433% | 1,356 |
| Assets per employee ($millions) | 7.3912% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 630 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 85.1519% | 101 |
| Net loans and leases to deposits | 99.7306% | 261 |
| Net loans and leases to core deposits | 106.7215% | 450 |
| Total domestic deposits to total assets | 85.3819% | 2,950 |
| Equity capital to assets | 9.8782% | 2,973 |
| Core capital (leverage) ratio | 9.7018% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2319% | 2,635 |
| Memoranda: | ||
| Average total assets | $135,407,000 | 3,682 |
| Average earning assets | $129,088,333 | 3,637 |
| Average equity | $12,866,667 | 3,901 |
| Average total loans | $114,981,333 | 3,055 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 972 |
| Cost of funding earning assets | 0.5267% | 1,224 |
| Net interest margin | 3.8195% | 1,097 |
| Noninterest income to average assets | -0.3133% | 4,969 |
| Noninterest expense to average assets | 2.3896% | 2,523 |
| Loan and lease loss provision to assets | 0.1113% | 1,246 |
| Net operating income to assets | 0.8170% | 3,367 |
| Return on assets (ROA) | 0.8170% | 3,437 |
| Pretax return on assets | 0.8170% | 3,779 |
| Return on Equity (ROE) | 8.7674% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.7674% | 2,025 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0212% | 1,496 |
| Assets per employee ($millions) | 7.3498% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 4,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3954% | 480 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 88.4615% | 38 |
| Net loans and leases to deposits | 103.4482% | 216 |
| Net loans and leases to core deposits | 110.5338% | 395 |
| Total domestic deposits to total assets | 85.5128% | 2,922 |
| Equity capital to assets | 9.7274% | 2,967 |
| Core capital (leverage) ratio | 9.4210% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8922% | 2,707 |
| Memoranda: | ||
| Average total assets | $136,590,000 | 3,677 |
| Average earning assets | $129,860,000 | 3,633 |
| Average equity | $12,729,000 | 3,926 |
| Average total loans | $115,266,500 | 3,061 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,142 |
| Cost of funding earning assets | 0.8611% | 987 |
| Net interest margin | 3.7150% | 1,745 |
| Noninterest income to average assets | 0.0272% | 4,906 |
| Noninterest expense to average assets | 2.5633% | 2,662 |
| Loan and lease loss provision to assets | 0.1647% | 2,319 |
| Net operating income to assets | 0.8201% | 3,015 |
| Return on assets (ROA) | 0.8201% | 3,138 |
| Pretax return on assets | 0.8201% | 3,581 |
| Return on Equity (ROE) | 8.5838% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.5838% | 882 |
| Net charge-offs to loans | -0.0256% | 4,490 |
| Credit loss provision to net charge-offs | -762.9630% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2460% | 1,654 |
| Assets per employee ($millions) | 7.4149% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 4,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 538 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.0281% | 499 |
| Net loans and leases to deposits | 94.8841% | 609 |
| Net loans and leases to core deposits | 100.8615% | 867 |
| Total domestic deposits to total assets | 83.2891% | 3,334 |
| Equity capital to assets | 8.9357% | 4,114 |
| Core capital (leverage) ratio | 9.5262% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3718% | 2,496 |
| Memoranda: | ||
| Average total assets | $125,113,400 | 3,685 |
| Average earning assets | $118,574,400 | 3,636 |
| Average equity | $11,952,800 | 3,983 |
| Average total loans | $105,506,400 | 3,158 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 1,588 |
| Cost of funding earning assets | 0.9655% | 860 |
| Net interest margin | 3.5280% | 2,491 |
| Noninterest income to average assets | 0.0781% | 4,828 |
| Noninterest expense to average assets | 2.5605% | 2,661 |
| Loan and lease loss provision to assets | 0.1345% | 2,668 |
| Net operating income to assets | 0.7207% | 3,388 |
| Return on assets (ROA) | 0.7207% | 3,488 |
| Pretax return on assets | 0.7207% | 3,855 |
| Return on Equity (ROE) | 7.4049% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.4049% | 1,533 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9678% | 1,303 |
| Assets per employee ($millions) | 7.5373% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,336 |
| Loan loss allowance to noncurrent loans | 4,139.1304% | 200 |
| Noncurrent assets plus other real estate owned to assets | 1.5456% | 544 |
| Noncurrent loans to loans | 0.0196% | 4,337 |
| Net loans and leases to total assets | 85.7052% | 165 |
| Net loans and leases to deposits | 106.0931% | 320 |
| Net loans and leases to core deposits | 114.3872% | 538 |
| Total domestic deposits to total assets | 80.7831% | 3,703 |
| Equity capital to assets | 8.9960% | 4,126 |
| Core capital (leverage) ratio | 9.6635% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0981% | 2,575 |
| Memoranda: | ||
| Average total assets | $121,170,750 | 3,724 |
| Average earning assets | $114,621,500 | 3,685 |
| Average equity | $11,793,750 | 4,003 |
| Average total loans | $103,782,750 | 3,189 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 1,988 |
| Cost of funding earning assets | 1.1083% | 704 |
| Net interest margin | 3.3685% | 3,197 |
| Noninterest income to average assets | 0.0567% | 4,895 |
| Noninterest expense to average assets | 2.6664% | 2,476 |
| Loan and lease loss provision to assets | 0.1135% | 2,881 |
| Net operating income to assets | 0.4693% | 4,088 |
| Return on assets (ROA) | 0.4693% | 4,153 |
| Pretax return on assets | 0.4693% | 4,302 |
| Return on Equity (ROE) | 4.6840% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.6840% | 2,614 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0635% | 753 |
| Assets per employee ($millions) | 7.1304% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 4,350 |
| Loan loss allowance to noncurrent loans | 3,895.6522% | 175 |
| Noncurrent assets plus other real estate owned to assets | 1.6338% | 534 |
| Noncurrent loans to loans | 0.0205% | 4,411 |
| Net loans and leases to total assets | 86.8825% | 98 |
| Net loans and leases to deposits | 108.5359% | 256 |
| Net loans and leases to core deposits | 120.2584% | 417 |
| Total domestic deposits to total assets | 80.0496% | 3,824 |
| Equity capital to assets | 9.2047% | 3,921 |
| Core capital (leverage) ratio | 9.5843% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6275% | 2,350 |
| Memoranda: | ||
| Average total assets | $116,337,000 | 3,769 |
| Average earning assets | $110,258,333 | 3,738 |
| Average equity | $11,656,667 | 4,025 |
| Average total loans | $99,300,333 | 3,247 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 2,108 |
| Cost of funding earning assets | 1.2482% | 657 |
| Net interest margin | 3.3195% | 3,545 |
| Noninterest income to average assets | 0.0616% | 4,946 |
| Noninterest expense to average assets | 2.6719% | 2,776 |
| Loan and lease loss provision to assets | 0.0326% | 3,362 |
| Net operating income to assets | 0.5003% | 3,893 |
| Return on assets (ROA) | 0.5003% | 3,953 |
| Pretax return on assets | 0.5003% | 4,124 |
| Return on Equity (ROE) | 4.7677% | 3,722 |
| Retained earnings to average equity (ytd only) | 4.7677% | 2,386 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3710% | 876 |
| Assets per employee ($millions) | 5.6973% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,108 |
| Loan loss allowance to noncurrent loans | 3,356.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 2.0093% | 415 |
| Noncurrent loans to loans | 0.0268% | 4,461 |
| Net loans and leases to total assets | 85.3799% | 177 |
| Net loans and leases to deposits | 104.6101% | 344 |
| Net loans and leases to core deposits | 122.7139% | 392 |
| Total domestic deposits to total assets | 81.6172% | 3,518 |
| Equity capital to assets | 10.7642% | 3,083 |
| Core capital (leverage) ratio | 10.6117% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4859% | 2,483 |
| Memoranda: | ||
| Average total assets | $110,331,500 | 3,843 |
| Average earning assets | $104,472,000 | 3,811 |
| Average equity | $11,578,000 | 4,055 |
| Average total loans | $92,746,500 | 3,343 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 1,833 |
| Cost of funding earning assets | 1.3295% | 704 |
| Net interest margin | 3.5438% | 3,306 |
| Noninterest income to average assets | -0.0976% | 5,155 |
| Noninterest expense to average assets | 2.6915% | 2,908 |
| Loan and lease loss provision to assets | -0.0575% | 5,028 |
| Net operating income to assets | 0.5976% | 4,168 |
| Return on assets (ROA) | 0.5976% | 4,225 |
| Pretax return on assets | 0.5976% | 4,418 |
| Return on Equity (ROE) | 5.8630% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.8630% | 1,938 |
| Net charge-offs to loans | -0.0195% | 4,618 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2863% | 704 |
| Assets per employee ($millions) | 6.2453% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 3,958 |
| Loan loss allowance to noncurrent loans | 3,320.0000% | 205 |
| Noncurrent assets plus other real estate owned to assets | 2.0985% | 361 |
| Noncurrent loans to loans | 0.0271% | 4,458 |
| Net loans and leases to total assets | 81.3077% | 642 |
| Net loans and leases to deposits | 98.6147% | 706 |
| Net loans and leases to core deposits | 118.4654% | 522 |
| Total domestic deposits to total assets | 82.4499% | 3,380 |
| Equity capital to assets | 10.2335% | 3,694 |
| Core capital (leverage) ratio | 10.4097% | 3,060 |
| Tier 1 risk-based capital ratio | 12.5541% | 4,035 |
| Total risk-based capital ratio | 13.4610% | 4,112 |
| Memoranda: | ||
| Average total assets | $109,603,800 | 3,840 |
| Average earning assets | $102,967,200 | 3,818 |
| Average equity | $11,171,800 | 4,096 |
| Average total loans | $92,412,400 | 3,350 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 1,745 |
| Cost of funding earning assets | 1.3326% | 715 |
| Net interest margin | 3.5932% | 3,268 |
| Noninterest income to average assets | 0.0441% | 5,125 |
| Noninterest expense to average assets | 2.6690% | 2,950 |
| Loan and lease loss provision to assets | 0.1322% | 1,454 |
| Net operating income to assets | 0.6134% | 4,261 |
| Return on assets (ROA) | 0.6134% | 4,308 |
| Pretax return on assets | 0.6134% | 4,517 |
| Return on Equity (ROE) | 6.0239% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.0239% | 2,363 |
| Net charge-offs to loans | 0.1024% | 1,448 |
| Credit loss provision to net charge-offs | 152.1127% | 1,612 |
| Earnings coverage of net charge-offs (x) | 8.5779% | 2,645 |
| Efficiency ratio | 78.1642% | 1,084 |
| Assets per employee ($millions) | 6.0801% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,594 |
| Loan loss allowance to noncurrent loans | 3,648.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 2.2286% | 353 |
| Noncurrent loans to loans | 0.0273% | 4,550 |
| Net loans and leases to total assets | 82.8640% | 471 |
| Net loans and leases to deposits | 100.9765% | 563 |
| Net loans and leases to core deposits | 121.2536% | 496 |
| Total domestic deposits to total assets | 82.0626% | 3,461 |
| Equity capital to assets | 10.3735% | 3,660 |
| Core capital (leverage) ratio | 10.3592% | 3,242 |
| Tier 1 risk-based capital ratio | 12.4250% | 4,187 |
| Total risk-based capital ratio | 13.4248% | 4,214 |
| Memoranda: | ||
| Average total assets | $108,901,000 | 3,888 |
| Average earning assets | $102,154,000 | 3,872 |
| Average equity | $11,088,750 | 4,147 |
| Average total loans | $92,457,500 | 3,389 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 1,716 |
| Cost of funding earning assets | 1.3237% | 690 |
| Net interest margin | 3.5886% | 3,296 |
| Noninterest income to average assets | 0.2079% | 4,499 |
| Noninterest expense to average assets | 2.7962% | 2,603 |
| Loan and lease loss provision to assets | 0.1527% | 1,193 |
| Net operating income to assets | 0.6255% | 4,235 |
| Return on assets (ROA) | 0.6255% | 4,280 |
| Pretax return on assets | 0.6255% | 4,492 |
| Return on Equity (ROE) | 6.1814% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.1814% | 2,200 |
| Net charge-offs to loans | 0.1639% | 975 |
| Credit loss provision to net charge-offs | 109.2105% | 1,851 |
| Earnings coverage of net charge-offs (x) | 5.5658% | 2,639 |
| Efficiency ratio | 78.2295% | 1,119 |
| Assets per employee ($millions) | 5.6682% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 3,864 |
| Loan loss allowance to noncurrent loans | 3,528.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 2.4476% | 309 |
| Noncurrent loans to loans | 0.0270% | 4,587 |
| Net loans and leases to total assets | 85.0059% | 282 |
| Net loans and leases to deposits | 103.7066% | 433 |
| Net loans and leases to core deposits | 124.1598% | 424 |
| Total domestic deposits to total assets | 81.9678% | 3,520 |
| Equity capital to assets | 10.3811% | 3,625 |
| Core capital (leverage) ratio | 10.4928% | 3,103 |
| Tier 1 risk-based capital ratio | 12.1290% | 4,346 |
| Total risk-based capital ratio | 13.0865% | 4,393 |
| Memoranda: | ||
| Average total assets | $108,720,670 | 3,917 |
| Average earning assets | $101,990,000 | 3,898 |
| Average equity | $11,000,670 | 4,171 |
| Average total loans | $92,743,330 | 3,397 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 1,675 |
| Cost of funding earning assets | 1.3085% | 644 |
| Net interest margin | 3.5662% | 3,375 |
| Noninterest income to average assets | 0.2051% | 4,523 |
| Noninterest expense to average assets | 2.5926% | 3,234 |
| Loan and lease loss provision to assets | 0.2197% | 712 |
| Net operating income to assets | 0.7360% | 3,818 |
| Return on assets (ROA) | 0.7360% | 3,871 |
| Pretax return on assets | 0.7360% | 4,203 |
| Return on Equity (ROE) | 7.3687% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.3687% | 1,896 |
| Net charge-offs to loans | 0.3703% | 420 |
| Credit loss provision to net charge-offs | 69.7674% | 1,854 |
| Earnings coverage of net charge-offs (x) | 3.0349% | 2,437 |
| Efficiency ratio | 73.0650% | 1,872 |
| Assets per employee ($millions) | 6.6478% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,074 |
| Loan loss allowance to noncurrent loans | 3,396.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 2.9126% | 218 |
| Noncurrent loans to loans | 0.0271% | 4,663 |
| Net loans and leases to total assets | 85.9059% | 196 |
| Net loans and leases to deposits | 104.8348% | 367 |
| Net loans and leases to core deposits | 122.4675% | 467 |
| Total domestic deposits to total assets | 81.9441% | 3,741 |
| Equity capital to assets | 10.3635% | 3,461 |
| Core capital (leverage) ratio | 10.1030% | 3,493 |
| Tier 1 risk-based capital ratio | 11.9382% | 4,493 |
| Total risk-based capital ratio | 12.8568% | 4,566 |
| Memoranda: | ||
| Average total assets | $109,233,000 | 3,948 |
| Average earning assets | $102,405,500 | 3,933 |
| Average equity | $10,911,000 | 4,206 |
| Average total loans | $92,900,000 | 3,433 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 1,973 |
| Cost of funding earning assets | 1.0890% | 517 |
| Net interest margin | 3.5664% | 3,492 |
| Noninterest income to average assets | 0.1253% | 5,056 |
| Noninterest expense to average assets | 2.8484% | 2,521 |
| Loan and lease loss provision to assets | 0.0602% | 2,957 |
| Net operating income to assets | 0.5421% | 4,562 |
| Return on assets (ROA) | 0.5421% | 4,561 |
| Pretax return on assets | 0.5421% | 4,732 |
| Return on Equity (ROE) | 5.4075% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.4075% | 2,532 |
| Net charge-offs to loans | -0.1041% | 5,158 |
| Credit loss provision to net charge-offs | -67.7419% | 4,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5436% | 742 |
| Assets per employee ($millions) | 6.2279% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,020 |
| Loan loss allowance to noncurrent loans | 3,365.3846% | 240 |
| Noncurrent assets plus other real estate owned to assets | 2.8412% | 237 |
| Noncurrent loans to loans | 0.0278% | 4,646 |
| Net loans and leases to total assets | 82.6952% | 561 |
| Net loans and leases to deposits | 99.5094% | 779 |
| Net loans and leases to core deposits | 113.5635% | 795 |
| Total domestic deposits to total assets | 83.1029% | 3,292 |
| Equity capital to assets | 9.6332% | 4,018 |
| Core capital (leverage) ratio | 9.7633% | 3,846 |
| Tier 1 risk-based capital ratio | 11.6538% | 4,642 |
| Total risk-based capital ratio | 12.5951% | 4,704 |
| Memoranda: | ||
| Average total assets | $104,583,800 | 4,022 |
| Average earning assets | $97,521,200 | 4,015 |
| Average equity | $10,485,400 | 4,236 |
| Average total loans | $89,313,200 | 3,491 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 1,983 |
| Cost of funding earning assets | 1.0263% | 530 |
| Net interest margin | 3.5711% | 3,457 |
| Noninterest income to average assets | 0.1843% | 4,866 |
| Noninterest expense to average assets | 2.9287% | 2,234 |
| Loan and lease loss provision to assets | 0.1168% | 1,739 |
| Net operating income to assets | 0.4635% | 4,832 |
| Return on assets (ROA) | 0.4635% | 4,839 |
| Pretax return on assets | 0.4635% | 4,954 |
| Return on Equity (ROE) | 4.5737% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.5737% | 3,462 |
| Net charge-offs to loans | -0.1405% | 5,232 |
| Credit loss provision to net charge-offs | -96.7742% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4628% | 677 |
| Assets per employee ($millions) | 5.9117% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 4,169 |
| Loan loss allowance to noncurrent loans | 3,250.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 3.0063% | 241 |
| Noncurrent loans to loans | 0.0284% | 4,768 |
| Net loans and leases to total assets | 85.1941% | 341 |
| Net loans and leases to deposits | 108.3483% | 342 |
| Net loans and leases to core deposits | 123.9286% | 463 |
| Total domestic deposits to total assets | 78.6298% | 4,390 |
| Equity capital to assets | 9.9380% | 3,711 |
| Core capital (leverage) ratio | 10.5582% | 3,022 |
| Tier 1 risk-based capital ratio | 11.6665% | 4,698 |
| Total risk-based capital ratio | 12.5944% | 4,768 |
| Memoranda: | ||
| Average total assets | $102,704,250 | 4,097 |
| Average earning assets | $95,617,250 | 4,083 |
| Average equity | $10,407,000 | 4,287 |
| Average total loans | $88,247,000 | 3,543 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 1,812 |
| Cost of funding earning assets | 0.9903% | 487 |
| Net interest margin | 3.5986% | 3,313 |
| Noninterest income to average assets | 0.1794% | 4,928 |
| Noninterest expense to average assets | 2.9842% | 2,080 |
| Loan and lease loss provision to assets | 0.1183% | 1,675 |
| Net operating income to assets | 0.4218% | 4,916 |
| Return on assets (ROA) | 0.4218% | 4,922 |
| Pretax return on assets | 0.4218% | 5,023 |
| Return on Equity (ROE) | 4.1349% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.1349% | 3,546 |
| Net charge-offs to loans | -0.0459% | 4,892 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6756% | 649 |
| Assets per employee ($millions) | 5.5898% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 4,289 |
| Loan loss allowance to noncurrent loans | 2,922.2222% | 251 |
| Noncurrent assets plus other real estate owned to assets | 3.2271% | 214 |
| Noncurrent loans to loans | 0.0312% | 4,779 |
| Net loans and leases to total assets | 85.2888% | 328 |
| Net loans and leases to deposits | 108.6238% | 327 |
| Net loans and leases to core deposits | 123.8866% | 462 |
| Total domestic deposits to total assets | 78.5175% | 4,506 |
| Equity capital to assets | 10.3819% | 3,236 |
| Core capital (leverage) ratio | 10.3813% | 3,158 |
| Tier 1 risk-based capital ratio | 12.1098% | 4,434 |
| Total risk-based capital ratio | 13.0213% | 4,517 |
| Memoranda: | ||
| Average total assets | $101,469,000 | 4,154 |
| Average earning assets | $94,315,330 | 4,140 |
| Average equity | $10,351,000 | 4,332 |
| Average total loans | $87,162,670 | 3,580 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 1,912 |
| Cost of funding earning assets | 0.9577% | 452 |
| Net interest margin | 3.5272% | 3,434 |
| Noninterest income to average assets | 0.2081% | 4,775 |
| Noninterest expense to average assets | 2.9678% | 2,150 |
| Loan and lease loss provision to assets | 0.1178% | 1,601 |
| Net operating income to assets | 0.4043% | 4,918 |
| Return on assets (ROA) | 0.4043% | 4,920 |
| Pretax return on assets | 0.4043% | 5,032 |
| Return on Equity (ROE) | 3.9986% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.9986% | 3,593 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0394% | 709 |
| Assets per employee ($millions) | 5.3812% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,627 |
| Loan loss allowance to noncurrent loans | 139.7388% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 3.8829% | 167 |
| Noncurrent loans to loans | 0.6102% | 2,715 |
| Net loans and leases to total assets | 85.1832% | 324 |
| Net loans and leases to deposits | 102.9115% | 543 |
| Net loans and leases to core deposits | 115.8521% | 731 |
| Total domestic deposits to total assets | 82.7732% | 3,732 |
| Equity capital to assets | 10.1142% | 3,484 |
| Core capital (leverage) ratio | 10.1759% | 3,334 |
| Tier 1 risk-based capital ratio | 11.8260% | 4,666 |
| Total risk-based capital ratio | 12.6802% | 4,796 |
| Memoranda: | ||
| Average total assets | $101,895,000 | 4,193 |
| Average earning assets | $94,806,500 | 4,178 |
| Average equity | $10,303,500 | 4,384 |
| Average total loans | $87,442,000 | 3,598 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 1,674 |
| Cost of funding earning assets | 0.8410% | 501 |
| Net interest margin | 3.6707% | 2,914 |
| Noninterest income to average assets | 0.2954% | 4,342 |
| Noninterest expense to average assets | 3.2708% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3751% | 4,766 |
| Return on assets (ROA) | 0.3751% | 4,782 |
| Pretax return on assets | 0.3751% | 5,120 |
| Return on Equity (ROE) | 4.1862% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.1862% | 2,653 |
| Net charge-offs to loans | -0.0122% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7112% | 446 |
| Assets per employee ($millions) | 5.6416% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 4,754 |
| Loan loss allowance to noncurrent loans | 132.9020% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 3.9065% | 155 |
| Noncurrent loans to loans | 0.6215% | 2,672 |
| Net loans and leases to total assets | 85.0071% | 347 |
| Net loans and leases to deposits | 101.9138% | 609 |
| Net loans and leases to core deposits | 114.8263% | 762 |
| Total domestic deposits to total assets | 83.4108% | 3,421 |
| Equity capital to assets | 10.1095% | 3,587 |
| Core capital (leverage) ratio | 9.9097% | 3,571 |
| Tier 1 risk-based capital ratio | 11.8404% | 4,633 |
| Total risk-based capital ratio | 12.6693% | 4,782 |
| Memoranda: | ||
| Average total assets | $97,836,400 | 4,276 |
| Average earning assets | $89,301,400 | 4,303 |
| Average equity | $8,766,800 | 4,653 |
| Average total loans | $82,101,800 | 3,699 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 1,709 |
| Cost of funding earning assets | 0.8087% | 549 |
| Net interest margin | 3.6680% | 2,874 |
| Noninterest income to average assets | 0.4678% | 3,231 |
| Noninterest expense to average assets | 3.2951% | 1,363 |
| Loan and lease loss provision to assets | 0.0867% | 2,354 |
| Net operating income to assets | 0.4183% | 4,961 |
| Return on assets (ROA) | 0.4183% | 4,990 |
| Pretax return on assets | 0.4183% | 5,159 |
| Return on Equity (ROE) | 4.8298% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.8298% | 2,997 |
| Net charge-offs to loans | -0.0165% | 4,783 |
| Credit loss provision to net charge-offs | -630.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7125% | 587 |
| Assets per employee ($millions) | 5.6088% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 4,418 |
| Loan loss allowance to noncurrent loans | 144.0147% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 4.7653% | 119 |
| Noncurrent loans to loans | 0.6475% | 2,772 |
| Net loans and leases to total assets | 82.2867% | 635 |
| Net loans and leases to deposits | 96.8827% | 1,018 |
| Net loans and leases to core deposits | 107.5599% | 1,164 |
| Total domestic deposits to total assets | 84.9343% | 2,737 |
| Equity capital to assets | 8.4590% | 5,310 |
| Core capital (leverage) ratio | 8.8561% | 4,918 |
| Tier 1 risk-based capital ratio | 9.9143% | 5,615 |
| Total risk-based capital ratio | 10.8238% | 5,640 |
| Memoranda: | ||
| Average total assets | $96,908,500 | 4,330 |
| Average earning assets | $88,038,750 | 4,375 |
| Average equity | $8,392,000 | 4,767 |
| Average total loans | $80,866,750 | 3,763 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 1,536 |
| Cost of funding earning assets | 0.7651% | 633 |
| Net interest margin | 3.7261% | 2,563 |
| Noninterest income to average assets | 0.4981% | 3,041 |
| Noninterest expense to average assets | 3.3257% | 1,324 |
| Loan and lease loss provision to assets | 0.0879% | 2,225 |
| Net operating income to assets | 0.4584% | 4,832 |
| Return on assets (ROA) | 0.4584% | 4,856 |
| Pretax return on assets | 0.4584% | 5,071 |
| Return on Equity (ROE) | 5.2501% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.2501% | 2,550 |
| Net charge-offs to loans | -0.0250% | 4,870 |
| Credit loss provision to net charge-offs | -420.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8919% | 696 |
| Assets per employee ($millions) | 5.4778% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 4,474 |
| Loan loss allowance to noncurrent loans | 139.6330% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 6.0405% | 73 |
| Noncurrent loans to loans | 0.6728% | 2,735 |
| Net loans and leases to total assets | 81.3866% | 757 |
| Net loans and leases to deposits | 106.4636% | 383 |
| Net loans and leases to core deposits | 117.3783% | 668 |
| Total domestic deposits to total assets | 76.4455% | 5,035 |
| Equity capital to assets | 8.5770% | 5,247 |
| Core capital (leverage) ratio | 8.9199% | 4,815 |
| Tier 1 risk-based capital ratio | 9.9519% | 5,642 |
| Total risk-based capital ratio | 10.8494% | 5,679 |
| Memoranda: | ||
| Average total assets | $95,558,670 | 4,386 |
| Average earning assets | $86,525,670 | 4,427 |
| Average equity | $8,342,670 | 4,792 |
| Average total loans | $79,870,000 | 3,796 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,321 |
| Cost of funding earning assets | 0.7501% | 650 |
| Net interest margin | 3.7739% | 2,206 |
| Noninterest income to average assets | 0.4849% | 3,074 |
| Noninterest expense to average assets | 3.2838% | 1,418 |
| Loan and lease loss provision to assets | 0.0893% | 2,053 |
| Net operating income to assets | 0.5360% | 4,439 |
| Return on assets (ROA) | 0.5360% | 4,481 |
| Pretax return on assets | 0.5360% | 4,881 |
| Return on Equity (ROE) | 6.0829% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.0829% | 2,286 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0044% | 970 |
| Assets per employee ($millions) | 5.1598% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,699 |
| Loan loss allowance to noncurrent loans | 133.4552% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 6.4009% | 73 |
| Noncurrent loans to loans | 0.6851% | 2,793 |
| Net loans and leases to total assets | 85.1836% | 272 |
| Net loans and leases to deposits | 96.2915% | 914 |
| Net loans and leases to core deposits | 105.5682% | 1,134 |
| Total domestic deposits to total assets | 88.4643% | 1,447 |
| Equity capital to assets | 8.9925% | 4,805 |
| Core capital (leverage) ratio | 8.8536% | 4,901 |
| Tier 1 risk-based capital ratio | 10.0114% | 5,691 |
| Total risk-based capital ratio | 10.8872% | 5,744 |
| Memoranda: | ||
| Average total assets | $94,037,500 | 4,458 |
| Average earning assets | $85,322,500 | 4,490 |
| Average equity | $8,285,500 | 4,844 |
| Average total loans | $79,300,500 | 3,827 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,523 |
| Cost of funding earning assets | 0.6403% | 1,104 |
| Net interest margin | 3.8656% | 2,080 |
| Noninterest income to average assets | 0.6737% | 2,297 |
| Noninterest expense to average assets | 3.4559% | 1,240 |
| Loan and lease loss provision to assets | 0.1263% | 1,967 |
| Net operating income to assets | 0.5562% | 4,409 |
| Return on assets (ROA) | 0.5562% | 4,513 |
| Pretax return on assets | 0.5562% | 4,905 |
| Return on Equity (ROE) | 6.4925% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.4925% | 1,461 |
| Net charge-offs to loans | 0.1586% | 1,689 |
| Credit loss provision to net charge-offs | 96.6102% | 2,668 |
| Earnings coverage of net charge-offs (x) | 5.2203% | 3,369 |
| Efficiency ratio | 83.5074% | 1,059 |
| Assets per employee ($millions) | 5.2888% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,782 |
| Loan loss allowance to noncurrent loans | 125.9325% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 6.3363% | 83 |
| Noncurrent loans to loans | 0.7149% | 2,750 |
| Net loans and leases to total assets | 81.9828% | 611 |
| Net loans and leases to deposits | 95.3793% | 1,059 |
| Net loans and leases to core deposits | 102.8532% | 1,375 |
| Total domestic deposits to total assets | 85.9545% | 2,603 |
| Equity capital to assets | 8.6336% | 5,160 |
| Core capital (leverage) ratio | 8.8910% | 4,867 |
| Tier 1 risk-based capital ratio | 9.8786% | 5,765 |
| Total risk-based capital ratio | 10.7308% | 5,809 |
| Memoranda: | ||
| Average total assets | $90,251,800 | 4,539 |
| Average earning assets | $80,893,400 | 4,571 |
| Average equity | $7,732,000 | 4,975 |
| Average total loans | $74,378,800 | 3,935 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 1,629 |
| Cost of funding earning assets | 0.6137% | 1,245 |
| Net interest margin | 3.8566% | 2,137 |
| Noninterest income to average assets | 0.7205% | 2,080 |
| Noninterest expense to average assets | 3.5124% | 1,129 |
| Loan and lease loss provision to assets | 0.0944% | 2,339 |
| Net operating income to assets | 0.5587% | 4,463 |
| Return on assets (ROA) | 0.5587% | 4,568 |
| Pretax return on assets | 0.5587% | 4,978 |
| Return on Equity (ROE) | 6.5349% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.5349% | 1,891 |
| Net charge-offs to loans | 0.2220% | 1,057 |
| Credit loss provision to net charge-offs | 51.6393% | 3,012 |
| Earnings coverage of net charge-offs (x) | 3.5738% | 3,392 |
| Efficiency ratio | 84.3222% | 971 |
| Assets per employee ($millions) | 5.1162% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 5,050 |
| Loan loss allowance to noncurrent loans | 118.6933% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 6.6380% | 82 |
| Noncurrent loans to loans | 0.7142% | 2,893 |
| Net loans and leases to total assets | 83.0700% | 504 |
| Net loans and leases to deposits | 97.8561% | 869 |
| Net loans and leases to core deposits | 105.5100% | 1,232 |
| Total domestic deposits to total assets | 84.8899% | 2,855 |
| Equity capital to assets | 8.8565% | 5,278 |
| Core capital (leverage) ratio | 8.9075% | 4,933 |
| Tier 1 risk-based capital ratio | 9.8826% | 5,819 |
| Total risk-based capital ratio | 10.6815% | 5,876 |
| Memoranda: | ||
| Average total assets | $89,015,250 | 4,606 |
| Average earning assets | $79,515,250 | 4,633 |
| Average equity | $7,610,250 | 5,046 |
| Average total loans | $73,284,750 | 3,984 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 1,692 |
| Cost of funding earning assets | 0.5640% | 1,586 |
| Net interest margin | 3.8813% | 2,040 |
| Noninterest income to average assets | 0.5614% | 2,842 |
| Noninterest expense to average assets | 3.5231% | 1,124 |
| Loan and lease loss provision to assets | 0.0955% | 2,246 |
| Net operating income to assets | 0.4000% | 5,028 |
| Return on assets (ROA) | 0.4000% | 5,106 |
| Pretax return on assets | 0.4000% | 5,340 |
| Return on Equity (ROE) | 4.7386% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.7386% | 2,904 |
| Net charge-offs to loans | 0.3667% | 630 |
| Credit loss provision to net charge-offs | 31.8182% | 2,842 |
| Earnings coverage of net charge-offs (x) | 1.6515% | 3,376 |
| Efficiency ratio | 87.6697% | 745 |
| Assets per employee ($millions) | 5.2167% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 5,221 |
| Loan loss allowance to noncurrent loans | 112.4549% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 6.8424% | 84 |
| Noncurrent loans to loans | 0.7305% | 2,909 |
| Net loans and leases to total assets | 80.0969% | 883 |
| Net loans and leases to deposits | 95.5072% | 1,130 |
| Net loans and leases to core deposits | 102.8963% | 1,409 |
| Total domestic deposits to total assets | 83.8647% | 3,328 |
| Equity capital to assets | 8.2119% | 5,729 |
| Core capital (leverage) ratio | 8.7406% | 5,121 |
| Tier 1 risk-based capital ratio | 9.3839% | 5,968 |
| Total risk-based capital ratio | 10.1488% | 5,999 |
| Memoranda: | ||
| Average total assets | $87,990,000 | 4,655 |
| Average earning assets | $78,375,670 | 4,694 |
| Average equity | $7,428,330 | 5,118 |
| Average total loans | $71,995,000 | 4,041 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 1,453 |
| Cost of funding earning assets | 0.5486% | 1,724 |
| Net interest margin | 3.9721% | 1,705 |
| Noninterest income to average assets | 0.5362% | 2,892 |
| Noninterest expense to average assets | 3.6314% | 978 |
| Loan and lease loss provision to assets | 0.0988% | 2,047 |
| Net operating income to assets | 0.3481% | 5,156 |
| Return on assets (ROA) | 0.3481% | 5,242 |
| Pretax return on assets | 0.3481% | 5,407 |
| Return on Equity (ROE) | 4.0620% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.0620% | 3,458 |
| Net charge-offs to loans | 0.3996% | 563 |
| Credit loss provision to net charge-offs | 30.0000% | 2,226 |
| Earnings coverage of net charge-offs (x) | 1.3571% | 2,829 |
| Efficiency ratio | 89.0427% | 742 |
| Assets per employee ($millions) | 4.7596% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 4,929 |
| Loan loss allowance to noncurrent loans | 98.6627% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 7.8076% | 77 |
| Noncurrent loans to loans | 0.9482% | 2,480 |
| Net loans and leases to total assets | 82.0749% | 550 |
| Net loans and leases to deposits | 95.5458% | 985 |
| Net loans and leases to core deposits | 102.6017% | 1,290 |
| Total domestic deposits to total assets | 85.9010% | 2,711 |
| Equity capital to assets | 8.8581% | 5,290 |
| Core capital (leverage) ratio | 8.9216% | 4,946 |
| Tier 1 risk-based capital ratio | 9.7509% | 5,963 |
| Total risk-based capital ratio | 10.6093% | 6,017 |
| Memoranda: | ||
| Average total assets | $85,035,000 | 4,750 |
| Average earning assets | $75,828,000 | 4,801 |
| Average equity | $7,287,000 | 5,178 |
| Average total loans | $70,075,500 | 4,111 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,106 |
| Cost of funding earning assets | 0.4749% | 2,398 |
| Net interest margin | 3.8601% | 2,165 |
| Noninterest income to average assets | 0.4231% | 3,869 |
| Noninterest expense to average assets | 3.5314% | 1,243 |
| Loan and lease loss provision to assets | 0.1073% | 2,201 |
| Net operating income to assets | 0.2233% | 5,528 |
| Return on assets (ROA) | 0.2233% | 5,590 |
| Pretax return on assets | 0.2233% | 5,660 |
| Return on Equity (ROE) | 2.6122% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.6122% | 4,217 |
| Net charge-offs to loans | 0.4479% | 614 |
| Credit loss provision to net charge-offs | 29.3919% | 3,664 |
| Earnings coverage of net charge-offs (x) | 0.9054% | 4,164 |
| Efficiency ratio | 91.4404% | 600 |
| Assets per employee ($millions) | 4.6887% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,435 |
| Loan loss allowance to noncurrent loans | 66.0185% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 8.4067% | 70 |
| Noncurrent loans to loans | 1.5613% | 1,472 |
| Net loans and leases to total assets | 81.1143% | 693 |
| Net loans and leases to deposits | 100.0906% | 669 |
| Net loans and leases to core deposits | 107.4778% | 1,002 |
| Total domestic deposits to total assets | 81.0408% | 4,469 |
| Equity capital to assets | 8.2764% | 5,723 |
| Core capital (leverage) ratio | 8.5424% | 5,382 |
| Tier 1 risk-based capital ratio | 9.1480% | 6,093 |
| Total risk-based capital ratio | 10.0842% | 6,111 |
| Memoranda: | ||
| Average total assets | $81,071,800 | 4,844 |
| Average earning assets | $72,225,600 | 4,890 |
| Average equity | $6,929,000 | 5,254 |
| Average total loans | $66,079,400 | 4,196 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,184 |
| Cost of funding earning assets | 0.4609% | 2,570 |
| Net interest margin | 3.8531% | 2,176 |
| Noninterest income to average assets | 0.3606% | 4,354 |
| Noninterest expense to average assets | 3.4645% | 1,356 |
| Loan and lease loss provision to assets | 0.0897% | 2,365 |
| Net operating income to assets | 0.2376% | 5,595 |
| Return on assets (ROA) | 0.2376% | 5,672 |
| Pretax return on assets | 0.2376% | 5,740 |
| Return on Equity (ROE) | 2.7572% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.7572% | 4,463 |
| Net charge-offs to loans | 0.6084% | 369 |
| Credit loss provision to net charge-offs | 18.1208% | 3,378 |
| Earnings coverage of net charge-offs (x) | 0.6611% | 3,924 |
| Efficiency ratio | 91.3672% | 605 |
| Assets per employee ($millions) | 5.1448% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,603 |
| Loan loss allowance to noncurrent loans | 57.8992% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 8.8707% | 69 |
| Noncurrent loans to loans | 1.7742% | 1,340 |
| Net loans and leases to total assets | 79.3564% | 905 |
| Net loans and leases to deposits | 94.9987% | 1,096 |
| Net loans and leases to core deposits | 101.9668% | 1,385 |
| Total domestic deposits to total assets | 83.5342% | 3,599 |
| Equity capital to assets | 8.4734% | 5,720 |
| Core capital (leverage) ratio | 8.5783% | 5,487 |
| Tier 1 risk-based capital ratio | 9.2548% | 6,173 |
| Total risk-based capital ratio | 10.1603% | 6,187 |
| Memoranda: | ||
| Average total assets | $80,240,500 | 4,924 |
| Average earning assets | $71,456,250 | 4,963 |
| Average equity | $6,915,000 | 5,327 |
| Average total loans | $65,306,500 | 4,268 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,254 |
| Cost of funding earning assets | 0.4373% | 2,882 |
| Net interest margin | 3.8401% | 2,171 |
| Noninterest income to average assets | 0.3620% | 4,351 |
| Noninterest expense to average assets | 3.3791% | 1,512 |
| Loan and lease loss provision to assets | 0.0905% | 2,309 |
| Net operating income to assets | 0.3143% | 5,395 |
| Return on assets (ROA) | 0.3143% | 5,487 |
| Pretax return on assets | 0.3143% | 5,640 |
| Return on Equity (ROE) | 3.6258% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.6258% | 3,720 |
| Net charge-offs to loans | -0.1537% | 5,942 |
| Credit loss provision to net charge-offs | -72.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3023% | 806 |
| Assets per employee ($millions) | 4.8285% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 2,388 |
| Loan loss allowance to noncurrent loans | 24.4957% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 11.5552% | 46 |
| Noncurrent loans to loans | 6.0341% | 157 |
| Net loans and leases to total assets | 81.8527% | 569 |
| Net loans and leases to deposits | 101.4725% | 573 |
| Net loans and leases to core deposits | 108.1497% | 942 |
| Total domestic deposits to total assets | 80.6649% | 4,700 |
| Equity capital to assets | 8.4633% | 5,714 |
| Core capital (leverage) ratio | 8.8505% | 5,157 |
| Tier 1 risk-based capital ratio | 9.0237% | 6,255 |
| Total risk-based capital ratio | 10.2744% | 6,235 |
| Memoranda: | ||
| Average total assets | $79,548,670 | 4,988 |
| Average earning assets | $70,882,670 | 5,024 |
| Average equity | $6,895,000 | 5,379 |
| Average total loans | $65,075,000 | 4,309 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 2,119 |
| Cost of funding earning assets | 0.4300% | 2,978 |
| Net interest margin | 3.8640% | 2,015 |
| Noninterest income to average assets | 0.3679% | 4,271 |
| Noninterest expense to average assets | 3.4185% | 1,456 |
| Loan and lease loss provision to assets | 0.0920% | 2,160 |
| Net operating income to assets | 0.3015% | 5,409 |
| Return on assets (ROA) | 0.3015% | 5,509 |
| Pretax return on assets | 0.3015% | 5,649 |
| Return on Equity (ROE) | 3.4357% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.4357% | 3,928 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6783% | 871 |
| Assets per employee ($millions) | 5.0257% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 2,793 |
| Loan loss allowance to noncurrent loans | 24.9403% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 11.4997% | 55 |
| Noncurrent loans to loans | 5.7287% | 199 |
| Net loans and leases to total assets | 80.6494% | 613 |
| Net loans and leases to deposits | 90.9169% | 1,304 |
| Net loans and leases to core deposits | 95.9150% | 1,620 |
| Total domestic deposits to total assets | 88.7068% | 1,447 |
| Equity capital to assets | 8.5822% | 5,678 |
| Core capital (leverage) ratio | 8.8684% | 5,115 |
| Tier 1 risk-based capital ratio | 9.8648% | 6,201 |
| Total risk-based capital ratio | 11.1158% | 6,162 |
| Memoranda: | ||
| Average total assets | $78,281,000 | 5,062 |
| Average earning assets | $69,771,500 | 5,097 |
| Average equity | $6,869,000 | 5,432 |
| Average total loans | $63,514,500 | 4,378 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 2,253 |
| Cost of funding earning assets | 0.4924% | 2,745 |
| Net interest margin | 3.8977% | 2,249 |
| Noninterest income to average assets | 0.2379% | 5,430 |
| Noninterest expense to average assets | 3.4764% | 1,537 |
| Loan and lease loss provision to assets | 0.0680% | 3,125 |
| Net operating income to assets | 0.1385% | 5,898 |
| Return on assets (ROA) | 0.1385% | 5,944 |
| Pretax return on assets | 0.1385% | 5,955 |
| Return on Equity (ROE) | 1.5628% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.5628% | 5,049 |
| Net charge-offs to loans | 0.5940% | 670 |
| Credit loss provision to net charge-offs | 14.0921% | 4,054 |
| Earnings coverage of net charge-offs (x) | 0.4282% | 4,644 |
| Efficiency ratio | 94.3932% | 577 |
| Assets per employee ($millions) | 4.7594% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 2,445 |
| Loan loss allowance to noncurrent loans | 18.5364% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 13.7201% | 44 |
| Noncurrent loans to loans | 8.1224% | 108 |
| Net loans and leases to total assets | 79.2058% | 856 |
| Net loans and leases to deposits | 89.5454% | 1,559 |
| Net loans and leases to core deposits | 94.7962% | 1,837 |
| Total domestic deposits to total assets | 88.4532% | 1,545 |
| Equity capital to assets | 8.9782% | 5,316 |
| Core capital (leverage) ratio | 8.5706% | 5,477 |
| Tier 1 risk-based capital ratio | 10.4064% | 6,136 |
| Total risk-based capital ratio | 11.6577% | 6,079 |
| Memoranda: | ||
| Average total assets | $76,515,600 | 5,137 |
| Average earning assets | $67,630,400 | 5,183 |
| Average equity | $6,782,600 | 5,459 |
| Average total loans | $62,123,800 | 4,423 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,305 |
| Cost of funding earning assets | 0.4949% | 2,816 |
| Net interest margin | 3.8826% | 2,314 |
| Noninterest income to average assets | 0.2332% | 5,537 |
| Noninterest expense to average assets | 3.3904% | 1,699 |
| Loan and lease loss provision to assets | 0.0940% | 2,483 |
| Net operating income to assets | 0.1758% | 5,891 |
| Return on assets (ROA) | 0.1758% | 5,932 |
| Pretax return on assets | 0.1758% | 5,977 |
| Return on Equity (ROE) | 1.9894% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.9894% | 5,060 |
| Net charge-offs to loans | 0.7870% | 426 |
| Credit loss provision to net charge-offs | 14.6739% | 3,638 |
| Earnings coverage of net charge-offs (x) | 0.4212% | 4,394 |
| Efficiency ratio | 92.6296% | 665 |
| Assets per employee ($millions) | 4.8002% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 3,067 |
| Loan loss allowance to noncurrent loans | 18.4006% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 13.8172% | 47 |
| Noncurrent loans to loans | 7.7317% | 129 |
| Net loans and leases to total assets | 83.4512% | 369 |
| Net loans and leases to deposits | 100.2393% | 598 |
| Net loans and leases to core deposits | 106.4685% | 928 |
| Total domestic deposits to total assets | 83.2520% | 4,049 |
| Equity capital to assets | 8.8903% | 5,473 |
| Core capital (leverage) ratio | 8.8482% | 5,269 |
| Tier 1 risk-based capital ratio | 9.7943% | 6,387 |
| Total risk-based capital ratio | 11.0452% | 6,360 |
| Memoranda: | ||
| Average total assets | $76,606,750 | 5,196 |
| Average earning assets | $67,617,000 | 5,238 |
| Average equity | $6,769,000 | 5,519 |
| Average total loans | $62,345,250 | 4,448 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 2,696 |
| Cost of funding earning assets | 0.4908% | 2,920 |
| Net interest margin | 3.7815% | 2,629 |
| Noninterest income to average assets | 0.2352% | 5,519 |
| Noninterest expense to average assets | 3.3237% | 1,860 |
| Loan and lease loss provision to assets | 0.0941% | 2,456 |
| Net operating income to assets | 0.1594% | 5,934 |
| Return on assets (ROA) | 0.1594% | 5,972 |
| Pretax return on assets | 0.1594% | 6,007 |
| Return on Equity (ROE) | 1.8076% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.8076% | 4,987 |
| Net charge-offs to loans | 0.1497% | 2,191 |
| Credit loss provision to net charge-offs | 78.2609% | 2,351 |
| Earnings coverage of net charge-offs (x) | 2.1087% | 3,633 |
| Efficiency ratio | 92.9145% | 700 |
| Assets per employee ($millions) | 4.7573% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 1,532 |
| Loan loss allowance to noncurrent loans | 23.2986% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 14.3516% | 40 |
| Noncurrent loans to loans | 8.2379% | 120 |
| Net loans and leases to total assets | 82.5098% | 421 |
| Net loans and leases to deposits | 93.9350% | 963 |
| Net loans and leases to core deposits | 99.5246% | 1,318 |
| Total domestic deposits to total assets | 87.8371% | 2,008 |
| Equity capital to assets | 8.9310% | 5,380 |
| Core capital (leverage) ratio | 9.0031% | 5,010 |
| Tier 1 risk-based capital ratio | 9.9686% | 6,408 |
| Total risk-based capital ratio | 11.2242% | 6,363 |
| Memoranda: | ||
| Average total assets | $76,541,330 | 5,237 |
| Average earning assets | $67,645,670 | 5,280 |
| Average equity | $6,749,330 | 5,549 |
| Average total loans | $61,454,330 | 4,494 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 2,905 |
| Cost of funding earning assets | 0.4948% | 2,959 |
| Net interest margin | 3.6994% | 2,869 |
| Noninterest income to average assets | 0.3023% | 4,936 |
| Noninterest expense to average assets | 3.2780% | 1,995 |
| Loan and lease loss provision to assets | 0.0938% | 2,354 |
| Net operating income to assets | 0.2032% | 5,792 |
| Return on assets (ROA) | 0.2032% | 5,843 |
| Pretax return on assets | 0.2032% | 5,912 |
| Return on Equity (ROE) | 2.3197% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.3197% | 4,673 |
| Net charge-offs to loans | 0.3391% | 1,057 |
| Credit loss provision to net charge-offs | 35.2941% | 2,351 |
| Earnings coverage of net charge-offs (x) | 1.1176% | 3,176 |
| Efficiency ratio | 91.6910% | 899 |
| Assets per employee ($millions) | 5.1231% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0054% | 1,509 |
| Loan loss allowance to noncurrent loans | 22.8279% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 15.0325% | 43 |
| Noncurrent loans to loans | 8.7846% | 137 |
| Net loans and leases to total assets | 76.6887% | 922 |
| Net loans and leases to deposits | 84.2273% | 1,798 |
| Net loans and leases to core deposits | 89.6169% | 1,948 |
| Total domestic deposits to total assets | 91.0497% | 547 |
| Equity capital to assets | 8.7876% | 5,353 |
| Core capital (leverage) ratio | 8.7270% | 5,349 |
| Tier 1 risk-based capital ratio | 10.4141% | 6,357 |
| Total risk-based capital ratio | 11.6712% | 6,316 |
| Memoranda: | ||
| Average total assets | $76,753,500 | 5,283 |
| Average earning assets | $67,903,000 | 5,319 |
| Average equity | $6,725,000 | 5,584 |
| Average total loans | $60,165,000 | 4,581 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 2,267 |
| Cost of funding earning assets | 0.5501% | 3,110 |
| Net interest margin | 3.9357% | 2,157 |
| Noninterest income to average assets | 0.0904% | 6,419 |
| Noninterest expense to average assets | 3.5016% | 1,642 |
| Loan and lease loss provision to assets | 0.5989% | 418 |
| Net operating income to assets | -0.5841% | 6,518 |
| Return on assets (ROA) | -0.5841% | 6,522 |
| Pretax return on assets | -0.5841% | 6,505 |
| Return on Equity (ROE) | -7.3697% | 6,545 |
| Retained earnings to average equity (ytd only) | -7.3697% | 6,479 |
| Net charge-offs to loans | 0.4832% | 1,376 |
| Credit loss provision to net charge-offs | 156.3380% | 1,478 |
| Earnings coverage of net charge-offs (x) | 0.0387% | 5,080 |
| Efficiency ratio | 99.5781% | 490 |
| Assets per employee ($millions) | 4.7913% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 1,423 |
| Loan loss allowance to noncurrent loans | 20.1431% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 15.2818% | 48 |
| Noncurrent loans to loans | 10.2191% | 107 |
| Net loans and leases to total assets | 76.9006% | 965 |
| Net loans and leases to deposits | 85.5766% | 1,739 |
| Net loans and leases to core deposits | 91.6485% | 1,827 |
| Total domestic deposits to total assets | 89.8617% | 1,150 |
| Equity capital to assets | 8.7360% | 5,327 |
| Core capital (leverage) ratio | 8.8646% | 5,192 |
| Tier 1 risk-based capital ratio | 10.5855% | 6,339 |
| Total risk-based capital ratio | 11.8438% | 6,296 |
| Memoranda: | ||
| Average total assets | $74,137,200 | 5,372 |
| Average earning assets | $64,537,800 | 5,447 |
| Average equity | $5,875,400 | 5,849 |
| Average total loans | $58,770,200 | 4,656 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 2,054 |
| Cost of funding earning assets | 0.5638% | 3,134 |
| Net interest margin | 3.9820% | 2,005 |
| Noninterest income to average assets | 0.3791% | 4,680 |
| Noninterest expense to average assets | 3.5207% | 1,565 |
| Loan and lease loss provision to assets | 0.7509% | 280 |
| Net operating income to assets | -0.4462% | 6,576 |
| Return on assets (ROA) | -0.4462% | 6,591 |
| Pretax return on assets | -0.4462% | 6,575 |
| Return on Equity (ROE) | -5.7847% | 6,614 |
| Retained earnings to average equity (ytd only) | -5.7847% | 6,525 |
| Net charge-offs to loans | 0.0228% | 4,675 |
| Credit loss provision to net charge-offs | 4,140.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 16.8035% | 1,777 |
| Efficiency ratio | 92.0341% | 852 |
| Assets per employee ($millions) | 4.8913% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4545% | 982 |
| Loan loss allowance to noncurrent loans | 22.8435% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 16.9431% | 34 |
| Noncurrent loans to loans | 10.7448% | 108 |
| Net loans and leases to total assets | 80.3296% | 511 |
| Net loans and leases to deposits | 96.0027% | 683 |
| Net loans and leases to core deposits | 103.7002% | 891 |
| Total domestic deposits to total assets | 83.6743% | 4,321 |
| Equity capital to assets | 9.4400% | 4,629 |
| Core capital (leverage) ratio | 9.4220% | 4,512 |
| Tier 1 risk-based capital ratio | 10.8755% | 6,333 |
| Total risk-based capital ratio | 12.1385% | 6,295 |
| Memoranda: | ||
| Average total assets | $73,506,500 | 5,441 |
| Average earning assets | $63,617,250 | 5,539 |
| Average equity | $5,670,000 | 5,953 |
| Average total loans | $58,415,000 | 4,705 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 2,059 |
| Cost of funding earning assets | 0.5737% | 3,180 |
| Net interest margin | 3.9655% | 1,985 |
| Noninterest income to average assets | 0.5357% | 3,600 |
| Noninterest expense to average assets | 3.4289% | 1,764 |
| Loan and lease loss provision to assets | 0.4106% | 746 |
| Net operating income to assets | 0.1169% | 6,095 |
| Return on assets (ROA) | 0.1169% | 6,188 |
| Pretax return on assets | 0.1169% | 6,206 |
| Return on Equity (ROE) | 1.6377% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.6377% | 5,207 |
| Net charge-offs to loans | 0.0139% | 4,570 |
| Credit loss provision to net charge-offs | 3,775.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 818 |
| Efficiency ratio | 86.6667% | 1,346 |
| Assets per employee ($millions) | 5.1659% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 1,626 |
| Loan loss allowance to noncurrent loans | 19.0136% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 17.9127% | 32 |
| Noncurrent loans to loans | 11.0684% | 116 |
| Net loans and leases to total assets | 78.8546% | 655 |
| Net loans and leases to deposits | 94.8745% | 746 |
| Net loans and leases to core deposits | 103.0203% | 883 |
| Total domestic deposits to total assets | 83.1146% | 4,659 |
| Equity capital to assets | 9.9305% | 4,001 |
| Core capital (leverage) ratio | 9.7586% | 3,854 |
| Tier 1 risk-based capital ratio | 11.6447% | 6,034 |
| Total risk-based capital ratio | 12.9039% | 5,976 |
| Memoranda: | ||
| Average total assets | $73,552,330 | 5,472 |
| Average earning assets | $63,448,000 | 5,583 |
| Average equity | $5,251,330 | 6,112 |
| Average total loans | $57,746,670 | 4,754 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 1,824 |
| Cost of funding earning assets | 0.5882% | 3,228 |
| Net interest margin | 4.0114% | 1,742 |
| Noninterest income to average assets | 0.6849% | 2,676 |
| Noninterest expense to average assets | 3.6620% | 1,314 |
| Loan and lease loss provision to assets | 0.1618% | 2,249 |
| Net operating income to assets | 0.3182% | 5,501 |
| Return on assets (ROA) | 0.3182% | 5,633 |
| Pretax return on assets | 0.3182% | 5,819 |
| Return on Equity (ROE) | 5.5063% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.5063% | 2,953 |
| Net charge-offs to loans | 0.0417% | 3,452 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,430 |
| Efficiency ratio | 88.4115% | 1,286 |
| Assets per employee ($millions) | 4.9047% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 2,251 |
| Loan loss allowance to noncurrent loans | 26.6554% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 14.7220% | 78 |
| Noncurrent loans to loans | 7.1987% | 395 |
| Net loans and leases to total assets | 76.6345% | 761 |
| Net loans and leases to deposits | 84.2234% | 1,569 |
| Net loans and leases to core deposits | 90.6620% | 1,642 |
| Total domestic deposits to total assets | 90.9895% | 524 |
| Equity capital to assets | 5.8529% | 6,833 |
| Core capital (leverage) ratio | 5.7572% | 6,826 |
| Tier 1 risk-based capital ratio | 6.9213% | 6,902 |
| Total risk-based capital ratio | 8.1775% | 6,905 |
| Memoranda: | ||
| Average total assets | $74,167,000 | 5,506 |
| Average earning assets | $63,918,500 | 5,619 |
| Average equity | $4,286,000 | 6,449 |
| Average total loans | $57,492,000 | 4,795 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 1,959 |
| Cost of funding earning assets | 1.0068% | 1,324 |
| Net interest margin | 3.8610% | 2,981 |
| Noninterest income to average assets | 0.6419% | 3,043 |
| Noninterest expense to average assets | 3.4768% | 1,874 |
| Loan and lease loss provision to assets | 0.4396% | 1,442 |
| Net operating income to assets | 0.1025% | 6,009 |
| Return on assets (ROA) | 0.1025% | 6,149 |
| Pretax return on assets | 0.1025% | 6,156 |
| Return on Equity (ROE) | 1.8549% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.8549% | 4,913 |
| Net charge-offs to loans | 1.5800% | 541 |
| Credit loss provision to net charge-offs | 35.8730% | 5,008 |
| Earnings coverage of net charge-offs (x) | 0.4423% | 5,267 |
| Efficiency ratio | 86.5118% | 1,379 |
| Assets per employee ($millions) | 4.9843% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8765% | 2,364 |
| Loan loss allowance to noncurrent loans | 26.0314% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 15.3068% | 76 |
| Noncurrent loans to loans | 7.2086% | 433 |
| Net loans and leases to total assets | 75.4668% | 993 |
| Net loans and leases to deposits | 80.0846% | 2,271 |
| Net loans and leases to core deposits | 86.3408% | 2,268 |
| Total domestic deposits to total assets | 94.2339% | 59 |
| Equity capital to assets | 5.7060% | 6,909 |
| Core capital (leverage) ratio | 5.4802% | 6,896 |
| Tier 1 risk-based capital ratio | 6.6169% | 6,970 |
| Total risk-based capital ratio | 7.8729% | 6,972 |
| Memoranda: | ||
| Average total assets | $77,110,600 | 5,430 |
| Average earning assets | $67,443,600 | 5,504 |
| Average equity | $4,259,000 | 6,513 |
| Average total loans | $59,809,800 | 4,720 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 2,131 |
| Cost of funding earning assets | 1.0894% | 1,103 |
| Net interest margin | 3.7776% | 3,432 |
| Noninterest income to average assets | 0.6229% | 3,144 |
| Noninterest expense to average assets | 3.4338% | 1,919 |
| Loan and lease loss provision to assets | 0.4856% | 1,273 |
| Net operating income to assets | 0.0240% | 6,247 |
| Return on assets (ROA) | 0.0240% | 6,381 |
| Pretax return on assets | 0.0240% | 6,369 |
| Return on Equity (ROE) | 0.4385% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.4385% | 5,962 |
| Net charge-offs to loans | 1.5235% | 561 |
| Credit loss provision to net charge-offs | 41.0145% | 4,593 |
| Earnings coverage of net charge-offs (x) | 0.4304% | 5,110 |
| Efficiency ratio | 87.0757% | 1,297 |
| Assets per employee ($millions) | 5.0900% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1711% | 1,766 |
| Loan loss allowance to noncurrent loans | 20.7299% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 15.5639% | 82 |
| Noncurrent loans to loans | 10.4731% | 226 |
| Net loans and leases to total assets | 75.4250% | 1,059 |
| Net loans and leases to deposits | 83.6218% | 1,914 |
| Net loans and leases to core deposits | 92.4929% | 1,731 |
| Total domestic deposits to total assets | 90.1978% | 732 |
| Equity capital to assets | 5.5822% | 7,013 |
| Core capital (leverage) ratio | 5.3314% | 6,995 |
| Tier 1 risk-based capital ratio | 6.5334% | 7,070 |
| Total risk-based capital ratio | 7.7930% | 7,071 |
| Memoranda: | ||
| Average total assets | $77,697,250 | 5,469 |
| Average earning assets | $68,295,750 | 5,546 |
| Average equity | $4,257,250 | 6,584 |
| Average total loans | $60,387,000 | 4,747 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8659% | 2,247 |
| Cost of funding earning assets | 1.1495% | 1,029 |
| Net interest margin | 3.7164% | 3,744 |
| Noninterest income to average assets | 0.8343% | 2,030 |
| Noninterest expense to average assets | 3.4090% | 2,007 |
| Loan and lease loss provision to assets | 0.2227% | 2,855 |
| Net operating income to assets | 0.4709% | 4,947 |
| Return on assets (ROA) | 0.4709% | 5,196 |
| Pretax return on assets | 0.4709% | 5,514 |
| Return on Equity (ROE) | 8.6473% | 2,968 |
| Retained earnings to average equity (ytd only) | 8.6473% | 1,400 |
| Net charge-offs to loans | 0.1084% | 4,097 |
| Credit loss provision to net charge-offs | 263.6364% | 1,090 |
| Earnings coverage of net charge-offs (x) | 8.2121% | 2,339 |
| Efficiency ratio | 83.0942% | 1,738 |
| Assets per employee ($millions) | 4.8206% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8505% | 898 |
| Loan loss allowance to noncurrent loans | 25.6603% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 16.8601% | 72 |
| Noncurrent loans to loans | 11.1086% | 208 |
| Net loans and leases to total assets | 76.8427% | 859 |
| Net loans and leases to deposits | 85.2335% | 1,696 |
| Net loans and leases to core deposits | 94.6214% | 1,542 |
| Total domestic deposits to total assets | 90.1555% | 839 |
| Equity capital to assets | 5.7164% | 7,048 |
| Core capital (leverage) ratio | 5.4724% | 7,032 |
| Tier 1 risk-based capital ratio | 6.5971% | 7,113 |
| Total risk-based capital ratio | 7.8649% | 7,112 |
| Memoranda: | ||
| Average total assets | $78,146,330 | 5,493 |
| Average earning assets | $68,723,000 | 5,566 |
| Average equity | $4,255,670 | 6,612 |
| Average total loans | $60,894,330 | 4,746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 2,639 |
| Cost of funding earning assets | 1.2362% | 822 |
| Net interest margin | 3.5643% | 4,423 |
| Noninterest income to average assets | 0.0051% | 7,080 |
| Noninterest expense to average assets | 3.1378% | 2,798 |
| Loan and lease loss provision to assets | 0.2594% | 2,383 |
| Net operating income to assets | -0.2543% | 6,682 |
| Return on assets (ROA) | -0.2543% | 6,725 |
| Pretax return on assets | -0.2543% | 6,702 |
| Return on Equity (ROE) | -4.7858% | 6,843 |
| Retained earnings to average equity (ytd only) | -4.7858% | 6,567 |
| Net charge-offs to loans | -0.6904% | 7,181 |
| Credit loss provision to net charge-offs | -48.5714% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8382% | 557 |
| Assets per employee ($millions) | 5.2337% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0178% | 818 |
| Loan loss allowance to noncurrent loans | 25.0647% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 17.2802% | 74 |
| Noncurrent loans to loans | 12.0402% | 202 |
| Net loans and leases to total assets | 75.3611% | 879 |
| Net loans and leases to deposits | 83.0463% | 1,788 |
| Net loans and leases to core deposits | 94.5217% | 1,415 |
| Total domestic deposits to total assets | 90.7459% | 663 |
| Equity capital to assets | 5.2926% | 7,123 |
| Core capital (leverage) ratio | 5.1459% | 7,109 |
| Tier 1 risk-based capital ratio | 6.2106% | 7,170 |
| Total risk-based capital ratio | 7.4800% | 7,169 |
| Memoranda: | ||
| Average total assets | $78,655,000 | 5,523 |
| Average earning assets | $69,242,000 | 5,590 |
| Average equity | $4,179,000 | 6,672 |
| Average total loans | $60,838,000 | 4,777 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 3,979 |
| Cost of funding earning assets | 1.5806% | 512 |
| Net interest margin | 3.1802% | 6,155 |
| Noninterest income to average assets | 0.4346% | 4,333 |
| Noninterest expense to average assets | 3.0196% | 3,525 |
| Loan and lease loss provision to assets | 1.0194% | 925 |
| Net operating income to assets | -0.7520% | 6,632 |
| Return on assets (ROA) | -0.7520% | 6,668 |
| Pretax return on assets | -0.7475% | 6,621 |
| Return on Equity (ROE) | -16.2352% | 6,915 |
| Retained earnings to average equity (ytd only) | -16.2352% | 6,894 |
| Net charge-offs to loans | 2.9730% | 329 |
| Credit loss provision to net charge-offs | 45.0931% | 5,531 |
| Earnings coverage of net charge-offs (x) | 0.1203% | 5,745 |
| Efficiency ratio | 91.7387% | 1,062 |
| Assets per employee ($millions) | 5.6289% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7772% | 1,002 |
| Loan loss allowance to noncurrent loans | 21.6303% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 17.4052% | 81 |
| Noncurrent loans to loans | 12.8395% | 182 |
| Net loans and leases to total assets | 74.8528% | 1,113 |
| Net loans and leases to deposits | 82.4532% | 2,138 |
| Net loans and leases to core deposits | 99.2730% | 1,238 |
| Total domestic deposits to total assets | 90.7822% | 592 |
| Equity capital to assets | 5.3335% | 7,147 |
| Core capital (leverage) ratio | 5.0755% | 7,138 |
| Tier 1 risk-based capital ratio | 6.2907% | 7,191 |
| Total risk-based capital ratio | 7.5575% | 7,190 |
| Memoranda: | ||
| Average total assets | $87,893,800 | 5,240 |
| Average earning assets | $78,957,400 | 5,262 |
| Average equity | $4,071,400 | 6,729 |
| Average total loans | $66,835,600 | 4,602 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 4,280 |
| Cost of funding earning assets | 1.6516% | 470 |
| Net interest margin | 3.0883% | 6,409 |
| Noninterest income to average assets | 0.4732% | 4,106 |
| Noninterest expense to average assets | 2.8376% | 4,200 |
| Loan and lease loss provision to assets | 1.2022% | 649 |
| Net operating income to assets | -0.7867% | 6,788 |
| Return on assets (ROA) | -0.7867% | 6,825 |
| Pretax return on assets | -0.7822% | 6,777 |
| Return on Equity (ROE) | -17.5639% | 7,061 |
| Retained earnings to average equity (ytd only) | -17.5639% | 7,044 |
| Net charge-offs to loans | 3.5684% | 211 |
| Credit loss provision to net charge-offs | 44.4262% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1552% | 5,491 |
| Efficiency ratio | 87.1085% | 1,424 |
| Assets per employee ($millions) | 6.4408% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7757% | 1,054 |
| Loan loss allowance to noncurrent loans | 24.0860% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 15.9811% | 109 |
| Noncurrent loans to loans | 11.5242% | 254 |
| Net loans and leases to total assets | 73.5841% | 1,397 |
| Net loans and leases to deposits | 80.8970% | 2,536 |
| Net loans and leases to core deposits | 99.4656% | 1,298 |
| Total domestic deposits to total assets | 90.9602% | 445 |
| Equity capital to assets | 5.2132% | 7,249 |
| Core capital (leverage) ratio | 4.7777% | 7,255 |
| Tier 1 risk-based capital ratio | 6.2262% | 7,288 |
| Total risk-based capital ratio | 7.4938% | 7,290 |
| Memoranda: | ||
| Average total assets | $90,166,250 | 5,221 |
| Average earning assets | $81,294,000 | 5,232 |
| Average equity | $4,038,500 | 6,789 |
| Average total loans | $68,376,500 | 4,585 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 4,792 |
| Cost of funding earning assets | 1.7011% | 463 |
| Net interest margin | 2.9387% | 6,717 |
| Noninterest income to average assets | 0.8038% | 1,998 |
| Noninterest expense to average assets | 2.7515% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7150% | 3,470 |
| Return on assets (ROA) | 0.7150% | 3,581 |
| Pretax return on assets | 0.7171% | 4,329 |
| Return on Equity (ROE) | 16.7953% | 574 |
| Retained earnings to average equity (ytd only) | 16.7953% | 171 |
| Net charge-offs to loans | 1.0679% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.8850% | 4,631 |
| Efficiency ratio | 79.3254% | 2,501 |
| Assets per employee ($millions) | 6.9723% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5423% | 581 |
| Loan loss allowance to noncurrent loans | 25.2762% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 16.0040% | 123 |
| Noncurrent loans to loans | 14.0142% | 162 |
| Net loans and leases to total assets | 72.1624% | 1,757 |
| Net loans and leases to deposits | 83.6013% | 2,169 |
| Net loans and leases to core deposits | 102.0533% | 1,173 |
| Total domestic deposits to total assets | 86.3173% | 3,147 |
| Equity capital to assets | 4.6348% | 7,345 |
| Core capital (leverage) ratio | 4.4218% | 7,345 |
| Tier 1 risk-based capital ratio | 5.8473% | 7,366 |
| Total risk-based capital ratio | 7.1237% | 7,370 |
| Memoranda: | ||
| Average total assets | $92,311,670 | 5,198 |
| Average earning assets | $83,710,000 | 5,204 |
| Average equity | $3,929,670 | 6,866 |
| Average total loans | $70,045,000 | 4,575 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 4,919 |
| Cost of funding earning assets | 1.8202% | 345 |
| Net interest margin | 2.7847% | 6,929 |
| Noninterest income to average assets | 1.6361% | 501 |
| Noninterest expense to average assets | 2.6968% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4686% | 938 |
| Return on assets (ROA) | 1.4686% | 978 |
| Pretax return on assets | 1.4686% | 1,537 |
| Return on Equity (ROE) | 36.0569% | 53 |
| Retained earnings to average equity (ytd only) | 36.0569% | 41 |
| Net charge-offs to loans | 0.6127% | 1,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.1376% | 2,843 |
| Efficiency ratio | 64.7423% | 5,229 |
| Assets per employee ($millions) | 6.2386% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7984% | 492 |
| Loan loss allowance to noncurrent loans | 24.9299% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 16.2494% | 126 |
| Noncurrent loans to loans | 15.2365% | 145 |
| Net loans and leases to total assets | 72.1807% | 1,682 |
| Net loans and leases to deposits | 82.8867% | 2,199 |
| Net loans and leases to core deposits | 103.7892% | 1,076 |
| Total domestic deposits to total assets | 87.0836% | 2,901 |
| Equity capital to assets | 4.2392% | 7,421 |
| Core capital (leverage) ratio | 4.1430% | 7,426 |
| Tier 1 risk-based capital ratio | 5.4924% | 7,439 |
| Total risk-based capital ratio | 6.7729% | 7,441 |
| Memoranda: | ||
| Average total assets | $93,147,500 | 5,202 |
| Average earning assets | $84,604,500 | 5,204 |
| Average equity | $3,794,000 | 6,935 |
| Average total loans | $71,162,500 | 4,578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 3,103 |
| Cost of funding earning assets | 2.2733% | 232 |
| Net interest margin | 3.0343% | 6,670 |
| Noninterest income to average assets | -0.7476% | 7,595 |
| Noninterest expense to average assets | 2.7166% | 4,920 |
| Loan and lease loss provision to assets | 3.2225% | 268 |
| Net operating income to assets | -3.9031% | 7,424 |
| Return on assets (ROA) | -3.5633% | 7,398 |
| Pretax return on assets | -3.5555% | 7,377 |
| Return on Equity (ROE) | -63.8216% | 7,498 |
| Retained earnings to average equity (ytd only) | -63.8216% | 7,496 |
| Net charge-offs to loans | 4.6104% | 224 |
| Credit loss provision to net charge-offs | 86.1854% | 5,276 |
| Earnings coverage of net charge-offs (x) | -0.1800% | 6,279 |
| Efficiency ratio | 132.9216% | 294 |
| Assets per employee ($millions) | 6.6226% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8496% | 450 |
| Loan loss allowance to noncurrent loans | 25.2341% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 16.6196% | 126 |
| Noncurrent loans to loans | 15.2554% | 158 |
| Net loans and leases to total assets | 74.7832% | 1,523 |
| Net loans and leases to deposits | 85.6211% | 2,165 |
| Net loans and leases to core deposits | 113.3645% | 752 |
| Total domestic deposits to total assets | 87.3420% | 2,644 |
| Equity capital to assets | 3.9055% | 7,513 |
| Core capital (leverage) ratio | 3.7400% | 7,515 |
| Tier 1 risk-based capital ratio | 4.8566% | 7,530 |
| Total risk-based capital ratio | 6.1371% | 7,533 |
| Memoranda: | ||
| Average total assets | $102,995,000 | 4,897 |
| Average earning assets | $94,751,200 | 4,870 |
| Average equity | $5,750,400 | 6,447 |
| Average total loans | $83,528,800 | 4,225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3997% | 2,887 |
| Cost of funding earning assets | 2.3615% | 219 |
| Net interest margin | 3.0382% | 6,753 |
| Noninterest income to average assets | -0.8551% | 7,721 |
| Noninterest expense to average assets | 2.4124% | 5,992 |
| Loan and lease loss provision to assets | 3.1815% | 260 |
| Net operating income to assets | -3.6539% | 7,538 |
| Return on assets (ROA) | -3.2118% | 7,493 |
| Pretax return on assets | -3.2055% | 7,461 |
| Return on Equity (ROE) | -53.9665% | 7,580 |
| Retained earnings to average equity (ytd only) | -53.9665% | 7,578 |
| Net charge-offs to loans | 4.0995% | 291 |
| Credit loss provision to net charge-offs | 94.8419% | 4,567 |
| Earnings coverage of net charge-offs (x) | -0.1389% | 6,137 |
| Efficiency ratio | 123.9455% | 354 |
| Assets per employee ($millions) | 6.6247% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2129% | 309 |
| Loan loss allowance to noncurrent loans | 52.1460% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 12.3638% | 253 |
| Noncurrent loans to loans | 8.0791% | 635 |
| Net loans and leases to total assets | 72.5534% | 2,113 |
| Net loans and leases to deposits | 85.9290% | 2,361 |
| Net loans and leases to core deposits | 113.3583% | 870 |
| Total domestic deposits to total assets | 84.4341% | 3,904 |
| Equity capital to assets | 4.8163% | 7,592 |
| Core capital (leverage) ratio | 4.7612% | 7,572 |
| Tier 1 risk-based capital ratio | 6.1187% | 7,600 |
| Total risk-based capital ratio | 7.4038% | 7,600 |
| Memoranda: | ||
| Average total assets | $105,564,750 | 4,895 |
| Average earning assets | $97,335,500 | 4,856 |
| Average equity | $6,282,750 | 6,363 |
| Average total loans | $86,383,000 | 4,214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 2,765 |
| Cost of funding earning assets | 2.4321% | 217 |
| Net interest margin | 3.0157% | 6,796 |
| Noninterest income to average assets | -0.6299% | 7,764 |
| Noninterest expense to average assets | 2.2559% | 6,491 |
| Loan and lease loss provision to assets | 4.6809% | 134 |
| Net operating income to assets | -4.7664% | 7,682 |
| Return on assets (ROA) | -4.1160% | 7,640 |
| Pretax return on assets | -4.1123% | 7,616 |
| Return on Equity (ROE) | -65.3231% | 7,668 |
| Retained earnings to average equity (ytd only) | -65.3231% | 7,666 |
| Net charge-offs to loans | 4.0250% | 319 |
| Credit loss provision to net charge-offs | 138.9410% | 2,888 |
| Earnings coverage of net charge-offs (x) | -0.0243% | 5,742 |
| Efficiency ratio | 103.7607% | 689 |
| Assets per employee ($millions) | 9.0594% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8468% | 192 |
| Loan loss allowance to noncurrent loans | 41.6174% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 13.8972% | 183 |
| Noncurrent loans to loans | 11.6462% | 313 |
| Net loans and leases to total assets | 79.0774% | 940 |
| Net loans and leases to deposits | 96.9310% | 961 |
| Net loans and leases to core deposits | 128.0871% | 464 |
| Total domestic deposits to total assets | 81.5811% | 5,164 |
| Equity capital to assets | 5.1599% | 7,621 |
| Core capital (leverage) ratio | 4.7466% | 7,630 |
| Tier 1 risk-based capital ratio | 6.2974% | 7,648 |
| Total risk-based capital ratio | 7.5938% | 7,648 |
| Memoranda: | ||
| Average total assets | $107,629,330 | 4,872 |
| Average earning assets | $100,077,670 | 4,805 |
| Average equity | $6,781,670 | 6,213 |
| Average total loans | $90,088,000 | 4,139 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4018% | 3,027 |
| Cost of funding earning assets | 2.4390% | 268 |
| Net interest margin | 2.9628% | 6,911 |
| Noninterest income to average assets | 0.0358% | 7,530 |
| Noninterest expense to average assets | 2.2219% | 6,627 |
| Loan and lease loss provision to assets | 0.7311% | 1,743 |
| Net operating income to assets | -0.1398% | 6,465 |
| Return on assets (ROA) | -0.1398% | 6,549 |
| Pretax return on assets | -0.1398% | 6,496 |
| Return on Equity (ROE) | -2.0522% | 6,642 |
| Retained earnings to average equity (ytd only) | -2.0522% | 6,219 |
| Net charge-offs to loans | 1.2206% | 1,394 |
| Credit loss provision to net charge-offs | 71.3287% | 4,074 |
| Earnings coverage of net charge-offs (x) | 0.5769% | 4,514 |
| Efficiency ratio | 78.9809% | 2,730 |
| Assets per employee ($millions) | 9.3037% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5370% | 528 |
| Loan loss allowance to noncurrent loans | 32.7446% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 11.7301% | 281 |
| Noncurrent loans to loans | 10.8019% | 369 |
| Net loans and leases to total assets | 78.8041% | 1,009 |
| Net loans and leases to deposits | 100.1582% | 741 |
| Net loans and leases to core deposits | 138.4967% | 345 |
| Total domestic deposits to total assets | 78.6796% | 6,158 |
| Equity capital to assets | 6.8154% | 7,445 |
| Core capital (leverage) ratio | 6.6326% | 7,420 |
| Tier 1 risk-based capital ratio | 8.2532% | 7,587 |
| Total risk-based capital ratio | 9.5332% | 7,595 |
| Memoranda: | ||
| Average total assets | $111,617,500 | 4,832 |
| Average earning assets | $104,631,000 | 4,743 |
| Average equity | $7,601,500 | 5,977 |
| Average total loans | $93,723,500 | 4,130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0321% | 1,745 |
| Cost of funding earning assets | 3.0878% | 181 |
| Net interest margin | 2.9443% | 6,773 |
| Noninterest income to average assets | -0.4720% | 7,937 |
| Noninterest expense to average assets | 1.9683% | 7,416 |
| Loan and lease loss provision to assets | 3.1234% | 537 |
| Net operating income to assets | -2.8894% | 7,370 |
| Return on assets (ROA) | -2.8894% | 7,378 |
| Pretax return on assets | -2.7954% | 7,237 |
| Return on Equity (ROE) | -35.0168% | 7,489 |
| Retained earnings to average equity (ytd only) | -35.0168% | 7,478 |
| Net charge-offs to loans | 1.5341% | 1,632 |
| Credit loss provision to net charge-offs | 243.9617% | 1,458 |
| Earnings coverage of net charge-offs (x) | 0.2562% | 5,861 |
| Efficiency ratio | 85.7143% | 2,145 |
| Assets per employee ($millions) | 7.9708% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4372% | 555 |
| Loan loss allowance to noncurrent loans | 37.9706% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 9.6872% | 395 |
| Noncurrent loans to loans | 9.0523% | 496 |
| Net loans and leases to total assets | 83.2800% | 514 |
| Net loans and leases to deposits | 105.8631% | 555 |
| Net loans and leases to core deposits | 141.6381% | 749 |
| Total domestic deposits to total assets | 78.6676% | 6,079 |
| Equity capital to assets | 6.8052% | 7,463 |
| Core capital (leverage) ratio | 6.0949% | 7,613 |
| Tier 1 risk-based capital ratio | 7.9064% | 7,670 |
| Total risk-based capital ratio | 9.1851% | 7,670 |
| Memoranda: | ||
| Average total assets | $122,238,000 | 4,510 |
| Average earning assets | $114,935,200 | 4,422 |
| Average equity | $10,086,600 | 5,272 |
| Average total loans | $102,013,600 | 3,895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0928% | 1,674 |
| Cost of funding earning assets | 3.2088% | 181 |
| Net interest margin | 2.8840% | 6,886 |
| Noninterest income to average assets | 0.0171% | 7,781 |
| Noninterest expense to average assets | 1.8937% | 7,556 |
| Loan and lease loss provision to assets | 2.2172% | 777 |
| Net operating income to assets | -0.8316% | 6,711 |
| Return on assets (ROA) | -0.8316% | 6,712 |
| Pretax return on assets | -1.3835% | 6,906 |
| Return on Equity (ROE) | -9.6981% | 6,871 |
| Retained earnings to average equity (ytd only) | -9.6981% | 6,775 |
| Net charge-offs to loans | 0.0271% | 6,502 |
| Credit loss provision to net charge-offs | 9,890.4762% | 32 |
| Earnings coverage of net charge-offs (x) | 37.1896% | 792 |
| Efficiency ratio | 69.4325% | 4,704 |
| Assets per employee ($millions) | 8.6671% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0525% | 647 |
| Loan loss allowance to noncurrent loans | 55.9834% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 6.3665% | 804 |
| Noncurrent loans to loans | 5.4524% | 1,147 |
| Net loans and leases to total assets | 81.4305% | 908 |
| Net loans and leases to deposits | 107.2753% | 590 |
| Net loans and leases to core deposits | 140.9113% | 878 |
| Total domestic deposits to total assets | 75.9080% | 6,600 |
| Equity capital to assets | 8.4664% | 6,290 |
| Core capital (leverage) ratio | 8.0485% | 6,279 |
| Tier 1 risk-based capital ratio | 9.9094% | 7,052 |
| Total risk-based capital ratio | 11.1819% | 6,993 |
| Memoranda: | ||
| Average total assets | $124,899,750 | 4,480 |
| Average earning assets | $117,381,750 | 4,395 |
| Average equity | $10,709,750 | 5,140 |
| Average total loans | $103,456,750 | 3,894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0871% | 1,829 |
| Cost of funding earning assets | 3.2931% | 209 |
| Net interest margin | 2.7940% | 7,024 |
| Noninterest income to average assets | 0.0016% | 7,935 |
| Noninterest expense to average assets | 1.8194% | 7,720 |
| Loan and lease loss provision to assets | 1.8257% | 904 |
| Net operating income to assets | -0.5901% | 6,647 |
| Return on assets (ROA) | -0.5901% | 6,652 |
| Pretax return on assets | -1.0152% | 6,822 |
| Return on Equity (ROE) | -6.8538% | 6,784 |
| Retained earnings to average equity (ytd only) | -6.8538% | 6,543 |
| Net charge-offs to loans | 0.0596% | 5,664 |
| Credit loss provision to net charge-offs | 3,712.9032% | 131 |
| Earnings coverage of net charge-offs (x) | 16.4839% | 1,532 |
| Efficiency ratio | 69.1797% | 4,948 |
| Assets per employee ($millions) | 8.9075% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 1,384 |
| Loan loss allowance to noncurrent loans | 70.1387% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 4.3206% | 1,333 |
| Noncurrent loans to loans | 3.0012% | 2,405 |
| Net loans and leases to total assets | 81.1130% | 1,116 |
| Net loans and leases to deposits | 106.2264% | 751 |
| Net loans and leases to core deposits | 145.1602% | 790 |
| Total domestic deposits to total assets | 76.3586% | 6,476 |
| Equity capital to assets | 8.4560% | 6,112 |
| Core capital (leverage) ratio | 8.2809% | 5,840 |
| Tier 1 risk-based capital ratio | 10.0249% | 6,889 |
| Total risk-based capital ratio | 11.2856% | 6,808 |
| Memoranda: | ||
| Average total assets | $126,086,670 | 4,476 |
| Average earning assets | $118,611,330 | 4,400 |
| Average equity | $10,855,330 | 5,124 |
| Average total loans | $103,969,670 | 3,909 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0603% | 2,109 |
| Cost of funding earning assets | 3.3419% | 236 |
| Net interest margin | 2.7184% | 7,160 |
| Noninterest income to average assets | -0.0631% | 8,117 |
| Noninterest expense to average assets | 1.6880% | 7,836 |
| Loan and lease loss provision to assets | 0.4102% | 2,868 |
| Net operating income to assets | 0.2587% | 5,449 |
| Return on assets (ROA) | 0.2587% | 5,614 |
| Pretax return on assets | 0.3975% | 5,401 |
| Return on Equity (ROE) | 2.9790% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.9790% | 4,218 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6359% | 5,035 |
| Assets per employee ($millions) | 9.7918% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 5,231 |
| Loan loss allowance to noncurrent loans | 79.1583% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 2.9138% | 1,952 |
| Noncurrent loans to loans | 1.4326% | 4,155 |
| Net loans and leases to total assets | 81.1584% | 1,171 |
| Net loans and leases to deposits | 106.0286% | 859 |
| Net loans and leases to core deposits | 142.3734% | 993 |
| Total domestic deposits to total assets | 76.5439% | 6,393 |
| Equity capital to assets | 8.6847% | 5,791 |
| Core capital (leverage) ratio | 8.7760% | 5,025 |
| Tier 1 risk-based capital ratio | 10.2308% | 6,678 |
| Total risk-based capital ratio | 11.3465% | 6,724 |
| Memoranda: | ||
| Average total assets | $126,777,500 | 4,474 |
| Average earning assets | $119,335,000 | 4,404 |
| Average equity | $11,010,500 | 5,106 |
| Average total loans | $104,291,000 | 3,927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3492% | 3,697 |
| Cost of funding earning assets | 3.5575% | 446 |
| Net interest margin | 2.7917% | 7,345 |
| Noninterest income to average assets | 0.0265% | 8,000 |
| Noninterest expense to average assets | 2.0048% | 7,431 |
| Loan and lease loss provision to assets | 0.3659% | 3,492 |
| Net operating income to assets | 0.2076% | 5,825 |
| Return on assets (ROA) | 0.2076% | 5,644 |
| Pretax return on assets | 0.2645% | 5,589 |
| Return on Equity (ROE) | 2.0565% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.0565% | 3,957 |
| Net charge-offs to loans | 0.1064% | 5,227 |
| Credit loss provision to net charge-offs | 410.6383% | 1,065 |
| Earnings coverage of net charge-offs (x) | 7.0745% | 3,196 |
| Efficiency ratio | 76.0791% | 3,226 |
| Assets per employee ($millions) | 9.7125% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 5,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9206% | 2,555 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 81.6025% | 1,301 |
| Net loans and leases to deposits | 106.7998% | 1,061 |
| Net loans and leases to core deposits | 146.3953% | 1,001 |
| Total domestic deposits to total assets | 76.4070% | 6,143 |
| Equity capital to assets | 8.6851% | 5,828 |
| Core capital (leverage) ratio | 8.7834% | 5,064 |
| Tier 1 risk-based capital ratio | 10.3771% | 6,337 |
| Total risk-based capital ratio | 11.3925% | 6,446 |
| Memoranda: | ||
| Average total assets | $105,498,600 | 4,889 |
| Average earning assets | $98,579,200 | 4,845 |
| Average equity | $10,649,000 | 5,225 |
| Average total loans | $88,319,400 | 4,282 |