Home > Brighton Bank > Performance and Condition Ratios
Brighton 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 | 5.5720% | 1,070 |
| Cost of funding earning assets | 1.2308% | 2,726 |
| Net interest margin | 4.3412% | 758 |
| Noninterest income to average assets | 14.1600% | 84 |
| Noninterest expense to average assets | 16.5233% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7510% | 661 |
| Return on assets (ROA) | 1.7510% | 631 |
| Pretax return on assets | 1.7510% | 961 |
| Return on Equity (ROE) | 20.5200% | 569 |
| Retained earnings to average equity (ytd only) | 20.5229% | 123 |
| Net charge-offs to loans | -0.0205% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 90.4181% | 401 |
| Assets per employee ($millions) | 0.7460% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 2,880 |
| Loan loss allowance to noncurrent loans | 720.9677% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 2,836 |
| Noncurrent loans to loans | 0.1514% | 2,758 |
| Net loans and leases to total assets | 67.8900% | 2,051 |
| Net loans and leases to deposits | 91.1388% | 1,169 |
| Net loans and leases to core deposits | 102.4815% | 1,308 |
| Total domestic deposits to total assets | 74.4900% | 4,071 |
| Equity capital to assets | 8.5360% | 3,024 |
| Core capital (leverage) ratio | 9.6728% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0651% | 604 |
| Memoranda: | ||
| Average total assets | $53,796,800 | 4,275 |
| Average earning assets | $51,022,600 | 4,239 |
| Average equity | $4,590,000 | 4,298 |
| Average total loans | $34,133,800 | 4,077 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 915 |
| Cost of funding earning assets | 1.1223% | 2,679 |
| Net interest margin | 4.4703% | 647 |
| Noninterest income to average assets | 14.1400% | 82 |
| Noninterest expense to average assets | 16.4824% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8934% | 568 |
| Return on assets (ROA) | 1.8934% | 557 |
| Pretax return on assets | 1.8934% | 867 |
| Return on Equity (ROE) | 22.1500% | 548 |
| Retained earnings to average equity (ytd only) | 22.1509% | 187 |
| Net charge-offs to loans | -0.0288% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.6963% | 385 |
| Assets per employee ($millions) | 0.5196% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 1,895 |
| Loan loss allowance to noncurrent loans | 859.6154% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 2,902 |
| Noncurrent loans to loans | 0.1504% | 2,803 |
| Net loans and leases to total assets | 66.3500% | 2,214 |
| Net loans and leases to deposits | 82.8302% | 1,842 |
| Net loans and leases to core deposits | 94.1467% | 1,668 |
| Total domestic deposits to total assets | 80.1000% | 3,512 |
| Equity capital to assets | 9.4049% | 2,155 |
| Core capital (leverage) ratio | 9.7855% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9304% | 496 |
| Memoranda: | ||
| Average total assets | $52,321,250 | 4,315 |
| Average earning assets | $49,540,500 | 4,280 |
| Average equity | $4,472,250 | 4,317 |
| Average total loans | $32,427,250 | 4,118 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 1,046 |
| Cost of funding earning assets | 0.9716% | 2,695 |
| Net interest margin | 4.3541% | 750 |
| Noninterest income to average assets | 13.0300% | 81 |
| Noninterest expense to average assets | 15.4102% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7562% | 706 |
| Return on assets (ROA) | 1.7562% | 709 |
| Pretax return on assets | 1.7562% | 1,100 |
| Return on Equity (ROE) | 21.2400% | 600 |
| Retained earnings to average equity (ytd only) | 21.2398% | 212 |
| Net charge-offs to loans | -0.0441% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.7697% | 361 |
| Assets per employee ($millions) | 0.5835% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,146 |
| Loan loss allowance to noncurrent loans | 282.9114% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 1,767 |
| Noncurrent loans to loans | 0.4442% | 1,610 |
| Net loans and leases to total assets | 64.0300% | 2,382 |
| Net loans and leases to deposits | 85.3874% | 1,552 |
| Net loans and leases to core deposits | 96.2824% | 1,452 |
| Total domestic deposits to total assets | 74.9800% | 4,120 |
| Equity capital to assets | 8.3699% | 2,974 |
| Core capital (leverage) ratio | 9.2468% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5355% | 591 |
| Memoranda: | ||
| Average total assets | $52,614,667 | 4,328 |
| Average earning assets | $50,021,333 | 4,295 |
| Average equity | $4,350,333 | 4,356 |
| Average total loans | $31,710,333 | 4,145 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 810 |
| Cost of funding earning assets | 0.8591% | 2,512 |
| Net interest margin | 4.4592% | 619 |
| Noninterest income to average assets | 11.2100% | 92 |
| Noninterest expense to average assets | 14.4320% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0098% | 2,500 |
| Return on assets (ROA) | 1.0098% | 2,466 |
| Pretax return on assets | 1.0098% | 2,958 |
| Return on Equity (ROE) | 12.2900% | 2,145 |
| Retained earnings to average equity (ytd only) | 12.2931% | 1,214 |
| Net charge-offs to loans | 0.0134% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 667 |
| Efficiency ratio | 93.4608% | 272 |
| Assets per employee ($millions) | 0.6032% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,737 |
| Loan loss allowance to noncurrent loans | 248.5876% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,452 |
| Noncurrent loans to loans | 0.5509% | 1,346 |
| Net loans and leases to total assets | 63.3000% | 2,322 |
| Net loans and leases to deposits | 74.3565% | 2,270 |
| Net loans and leases to core deposits | 82.3202% | 2,100 |
| Total domestic deposits to total assets | 85.1300% | 2,821 |
| Equity capital to assets | 8.5912% | 2,817 |
| Core capital (leverage) ratio | 8.7702% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9476% | 666 |
| Memoranda: | ||
| Average total assets | $51,496,500 | 4,399 |
| Average earning assets | $48,888,000 | 4,362 |
| Average equity | $4,230,000 | 4,431 |
| Average total loans | $29,782,500 | 4,226 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 1,783 |
| Cost of funding earning assets | 0.5611% | 1,062 |
| Net interest margin | 3.4120% | 2,216 |
| Noninterest income to average assets | 5.9300% | 122 |
| Noninterest expense to average assets | 10.2699% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -1.1130% | 4,663 |
| Return on assets (ROA) | -1.1130% | 4,658 |
| Pretax return on assets | -1.1130% | 4,650 |
| Return on Equity (ROE) | -13.9500% | 4,680 |
| Retained earnings to average equity (ytd only) | -13.9495% | 4,668 |
| Net charge-offs to loans | -0.0712% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 112.1543% | 83 |
| Assets per employee ($millions) | 1.5568% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 966 |
| Loan loss allowance to noncurrent loans | 235.8289% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 1,452 |
| Noncurrent loans to loans | 0.6816% | 1,098 |
| Net loans and leases to total assets | 51.0000% | 3,431 |
| Net loans and leases to deposits | 59.1015% | 3,386 |
| Net loans and leases to core deposits | 64.1310% | 3,256 |
| Total domestic deposits to total assets | 86.2900% | 2,643 |
| Equity capital to assets | 7.8575% | 3,149 |
| Core capital (leverage) ratio | 8.4038% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6027% | 508 |
| Memoranda: | ||
| Average total assets | $58,043,200 | 4,353 |
| Average earning assets | $54,894,000 | 4,325 |
| Average equity | $4,631,000 | 4,469 |
| Average total loans | $28,078,800 | 4,270 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 2,159 |
| Cost of funding earning assets | 0.5333% | 626 |
| Net interest margin | 3.1284% | 2,835 |
| Noninterest income to average assets | 6.3800% | 118 |
| Noninterest expense to average assets | 8.9656% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3686% | 4,290 |
| Return on assets (ROA) | 0.3686% | 4,238 |
| Pretax return on assets | 0.3686% | 4,305 |
| Return on Equity (ROE) | 4.6000% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.6044% | 3,239 |
| Net charge-offs to loans | -0.0094% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 96.0510% | 200 |
| Assets per employee ($millions) | 1.5965% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,121 |
| Loan loss allowance to noncurrent loans | 195.3917% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 1,352 |
| Noncurrent loans to loans | 0.8037% | 995 |
| Net loans and leases to total assets | 48.9600% | 3,535 |
| Net loans and leases to deposits | 57.1539% | 3,397 |
| Net loans and leases to core deposits | 61.1815% | 3,288 |
| Total domestic deposits to total assets | 85.6600% | 3,145 |
| Equity capital to assets | 8.6144% | 2,472 |
| Core capital (leverage) ratio | 8.1534% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8745% | 441 |
| Memoranda: | ||
| Average total assets | $59,321,500 | 4,378 |
| Average earning assets | $56,001,500 | 4,347 |
| Average equity | $4,749,000 | 4,498 |
| Average total loans | $28,239,750 | 4,297 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 2,965 |
| Cost of funding earning assets | 0.5361% | 428 |
| Net interest margin | 2.6907% | 3,719 |
| Noninterest income to average assets | 5.8130% | 84 |
| Noninterest expense to average assets | 7.9211% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4426% | 4,019 |
| Return on assets (ROA) | 0.4426% | 3,972 |
| Pretax return on assets | 0.4426% | 4,096 |
| Return on Equity (ROE) | 5.6564% | 3,668 |
| Retained earnings to average equity (ytd only) | 5.6564% | 2,454 |
| Net charge-offs to loans | -0.0140% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7080% | 276 |
| Assets per employee ($millions) | 1.9347% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,457 |
| Loan loss allowance to noncurrent loans | 68.2848% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 428 |
| Noncurrent loans to loans | 2.1693% | 293 |
| Net loans and leases to total assets | 48.3563% | 3,523 |
| Net loans and leases to deposits | 55.8728% | 3,387 |
| Net loans and leases to core deposits | 60.4832% | 3,238 |
| Total domestic deposits to total assets | 86.5472% | 3,093 |
| Equity capital to assets | 8.1427% | 3,014 |
| Core capital (leverage) ratio | 8.1920% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5063% | 448 |
| Memoranda: | ||
| Average total assets | $61,001,667 | 4,404 |
| Average earning assets | $57,828,000 | 4,377 |
| Average equity | $4,773,333 | 4,543 |
| Average total loans | $28,653,000 | 4,348 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0468% | 3,114 |
| Cost of funding earning assets | 0.4853% | 534 |
| Net interest margin | 2.5614% | 3,749 |
| Noninterest income to average assets | 5.3967% | 97 |
| Noninterest expense to average assets | 7.4581% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3841% | 3,992 |
| Return on assets (ROA) | 0.3841% | 3,955 |
| Pretax return on assets | 0.3841% | 4,063 |
| Return on Equity (ROE) | 5.0031% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.0031% | 2,595 |
| Net charge-offs to loans | -0.0139% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2576% | 354 |
| Assets per employee ($millions) | 1.9851% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 1,194 |
| Loan loss allowance to noncurrent loans | 65.6115% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1670% | 384 |
| Noncurrent loans to loans | 2.4848% | 244 |
| Net loans and leases to total assets | 46.2009% | 3,557 |
| Net loans and leases to deposits | 53.2320% | 3,476 |
| Net loans and leases to core deposits | 57.6258% | 3,331 |
| Total domestic deposits to total assets | 86.7916% | 3,002 |
| Equity capital to assets | 8.0836% | 3,504 |
| Core capital (leverage) ratio | 7.6644% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2012% | 373 |
| Memoranda: | ||
| Average total assets | $62,482,500 | 4,414 |
| Average earning assets | $59,341,500 | 4,387 |
| Average equity | $4,797,000 | 4,580 |
| Average total loans | $28,735,500 | 4,357 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3077% | 3,186 |
| Cost of funding earning assets | 0.6591% | 402 |
| Net interest margin | 2.6486% | 3,965 |
| Noninterest income to average assets | 10.0951% | 63 |
| Noninterest expense to average assets | 10.3895% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.2402% | 228 |
| Return on assets (ROA) | 2.2402% | 238 |
| Pretax return on assets | 2.2402% | 381 |
| Return on Equity (ROE) | 31.5222% | 59 |
| Retained earnings to average equity (ytd only) | 31.5222% | 14 |
| Net charge-offs to loans | 0.3313% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 12.0631% | 2,129 |
| Efficiency ratio | 82.2626% | 657 |
| Assets per employee ($millions) | 1.8170% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 1,417 |
| Loan loss allowance to noncurrent loans | 68.4211% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 540 |
| Noncurrent loans to loans | 2.2542% | 322 |
| Net loans and leases to total assets | 44.4047% | 3,812 |
| Net loans and leases to deposits | 50.5552% | 3,850 |
| Net loans and leases to core deposits | 54.6934% | 3,711 |
| Total domestic deposits to total assets | 87.8340% | 2,130 |
| Equity capital to assets | 7.3075% | 4,653 |
| Core capital (leverage) ratio | 7.9654% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1768% | 431 |
| Memoranda: | ||
| Average total assets | $59,771,800 | 4,456 |
| Average earning assets | $57,200,600 | 4,426 |
| Average equity | $4,247,800 | 4,687 |
| Average total loans | $33,506,200 | 4,307 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 3,562 |
| Cost of funding earning assets | 0.6619% | 468 |
| Net interest margin | 2.5616% | 4,191 |
| Noninterest income to average assets | 10.6437% | 64 |
| Noninterest expense to average assets | 10.8721% | 66 |
| Loan and lease loss provision to assets | -0.3478% | 4,842 |
| Net operating income to assets | 2.5678% | 196 |
| Return on assets (ROA) | 2.5678% | 198 |
| Pretax return on assets | 2.5678% | 296 |
| Return on Equity (ROE) | 36.4209% | 52 |
| Retained earnings to average equity (ytd only) | 36.4209% | 14 |
| Net charge-offs to loans | 0.4173% | 183 |
| Credit loss provision to net charge-offs | -140.7407% | 3,297 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,090 |
| Efficiency ratio | 83.0396% | 573 |
| Assets per employee ($millions) | 1.9067% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,524 |
| Loan loss allowance to noncurrent loans | 69.2901% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 602 |
| Noncurrent loans to loans | 1.8664% | 499 |
| Net loans and leases to total assets | 56.1665% | 2,711 |
| Net loans and leases to deposits | 64.4161% | 2,807 |
| Net loans and leases to core deposits | 70.8658% | 2,524 |
| Total domestic deposits to total assets | 87.1933% | 2,274 |
| Equity capital to assets | 7.4801% | 4,714 |
| Core capital (leverage) ratio | 7.4382% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2061% | 782 |
| Memoranda: | ||
| Average total assets | $58,361,750 | 4,532 |
| Average earning assets | $55,797,000 | 4,499 |
| Average equity | $4,114,750 | 4,765 |
| Average total loans | $34,507,500 | 4,348 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 3,631 |
| Cost of funding earning assets | 0.6515% | 568 |
| Net interest margin | 2.5695% | 4,216 |
| Noninterest income to average assets | 10.0179% | 63 |
| Noninterest expense to average assets | 10.4006% | 65 |
| Loan and lease loss provision to assets | 0.0626% | 1,792 |
| Net operating income to assets | 2.0112% | 477 |
| Return on assets (ROA) | 2.0112% | 503 |
| Pretax return on assets | 2.0112% | 828 |
| Return on Equity (ROE) | 29.1551% | 110 |
| Retained earnings to average equity (ytd only) | 29.1551% | 39 |
| Net charge-offs to loans | 1.3067% | 53 |
| Credit loss provision to net charge-offs | 8.0000% | 1,779 |
| Earnings coverage of net charge-offs (x) | 2.6489% | 2,113 |
| Efficiency ratio | 83.3752% | 590 |
| Assets per employee ($millions) | 2.0020% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 3,018 |
| Loan loss allowance to noncurrent loans | 59.0634% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 665 |
| Noncurrent loans to loans | 2.0078% | 488 |
| Net loans and leases to total assets | 54.2467% | 3,104 |
| Net loans and leases to deposits | 62.0123% | 3,204 |
| Net loans and leases to core deposits | 68.2904% | 2,934 |
| Total domestic deposits to total assets | 87.4773% | 2,104 |
| Equity capital to assets | 7.0464% | 4,835 |
| Core capital (leverage) ratio | 7.0769% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9942% | 961 |
| Memoranda: | ||
| Average total assets | $57,477,333 | 4,566 |
| Average earning assets | $54,952,000 | 4,536 |
| Average equity | $3,965,000 | 4,805 |
| Average total loans | $34,437,000 | 4,388 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2791% | 3,503 |
| Cost of funding earning assets | 0.6200% | 799 |
| Net interest margin | 2.6592% | 4,042 |
| Noninterest income to average assets | 9.6108% | 75 |
| Noninterest expense to average assets | 9.8458% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2995% | 359 |
| Return on assets (ROA) | 2.2995% | 385 |
| Pretax return on assets | 2.2995% | 590 |
| Return on Equity (ROE) | 33.7205% | 96 |
| Retained earnings to average equity (ytd only) | 33.7205% | 60 |
| Net charge-offs to loans | -0.0114% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0668% | 752 |
| Assets per employee ($millions) | 1.8515% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,511 |
| Loan loss allowance to noncurrent loans | 45.5167% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 194 |
| Noncurrent loans to loans | 3.3563% | 213 |
| Net loans and leases to total assets | 67.2724% | 1,624 |
| Net loans and leases to deposits | 76.9573% | 1,805 |
| Net loans and leases to core deposits | 85.1419% | 1,582 |
| Total domestic deposits to total assets | 87.4153% | 2,131 |
| Equity capital to assets | 6.9605% | 4,855 |
| Core capital (leverage) ratio | 7.0802% | 4,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8711% | 1,612 |
| Memoranda: | ||
| Average total assets | $56,186,500 | 4,604 |
| Average earning assets | $53,550,500 | 4,570 |
| Average equity | $3,831,500 | 4,838 |
| Average total loans | $35,170,000 | 4,397 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 941 |
| Cost of funding earning assets | 0.6904% | 1,769 |
| Net interest margin | 3.9840% | 1,006 |
| Noninterest income to average assets | 8.4998% | 80 |
| Noninterest expense to average assets | 9.9715% | 75 |
| Loan and lease loss provision to assets | 0.3219% | 1,141 |
| Net operating income to assets | 1.9470% | 287 |
| Return on assets (ROA) | 1.9470% | 313 |
| Pretax return on assets | 1.9470% | 508 |
| Return on Equity (ROE) | 29.4176% | 69 |
| Retained earnings to average equity (ytd only) | 29.4176% | 29 |
| Net charge-offs to loans | -0.0098% | 4,258 |
| Credit loss provision to net charge-offs | -4,900.0000% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4636% | 783 |
| Assets per employee ($millions) | 2.1991% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 687 |
| Loan loss allowance to noncurrent loans | 51.0221% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.1354% | 252 |
| Noncurrent loans to loans | 3.7713% | 159 |
| Net loans and leases to total assets | 55.5331% | 3,344 |
| Net loans and leases to deposits | 63.4635% | 3,479 |
| Net loans and leases to core deposits | 69.6419% | 3,277 |
| Total domestic deposits to total assets | 87.5041% | 1,704 |
| Equity capital to assets | 6.6718% | 4,944 |
| Core capital (leverage) ratio | 7.1283% | 4,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7445% | 1,326 |
| Memoranda: | ||
| Average total assets | $45,660,000 | 4,703 |
| Average earning assets | $42,871,600 | 4,684 |
| Average equity | $3,022,000 | 4,908 |
| Average total loans | $30,715,000 | 4,503 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 604 |
| Cost of funding earning assets | 0.6843% | 2,123 |
| Net interest margin | 4.3161% | 567 |
| Noninterest income to average assets | 6.7695% | 87 |
| Noninterest expense to average assets | 9.1050% | 83 |
| Loan and lease loss provision to assets | 0.2954% | 1,370 |
| Net operating income to assets | 1.4062% | 1,085 |
| Return on assets (ROA) | 1.4062% | 1,178 |
| Pretax return on assets | 1.4062% | 1,711 |
| Return on Equity (ROE) | 21.3011% | 196 |
| Retained earnings to average equity (ytd only) | 21.3011% | 68 |
| Net charge-offs to loans | -0.0131% | 4,297 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2540% | 586 |
| Assets per employee ($millions) | 1.9377% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 897 |
| Loan loss allowance to noncurrent loans | 45.4772% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.5911% | 197 |
| Noncurrent loans to loans | 3.7368% | 190 |
| Net loans and leases to total assets | 68.1626% | 2,219 |
| Net loans and leases to deposits | 79.0262% | 2,419 |
| Net loans and leases to core deposits | 81.2649% | 2,729 |
| Total domestic deposits to total assets | 86.2531% | 1,957 |
| Equity capital to assets | 6.9562% | 4,957 |
| Core capital (leverage) ratio | 7.2737% | 4,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7767% | 1,901 |
| Memoranda: | ||
| Average total assets | $43,330,500 | 4,749 |
| Average earning assets | $40,529,000 | 4,732 |
| Average equity | $2,860,500 | 4,946 |
| Average total loans | $30,611,250 | 4,529 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 561 |
| Cost of funding earning assets | 0.6638% | 2,601 |
| Net interest margin | 4.5455% | 459 |
| Noninterest income to average assets | 3.5532% | 135 |
| Noninterest expense to average assets | 7.5132% | 98 |
| Loan and lease loss provision to assets | 0.4211% | 937 |
| Net operating income to assets | -0.1372% | 4,843 |
| Return on assets (ROA) | -0.1372% | 4,849 |
| Pretax return on assets | -0.1372% | 4,833 |
| Return on Equity (ROE) | -2.1201% | 4,875 |
| Retained earnings to average equity (ytd only) | -2.1201% | 4,600 |
| Net charge-offs to loans | -0.0067% | 4,091 |
| Credit loss provision to net charge-offs | -8,900.0000% | 4,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3592% | 236 |
| Assets per employee ($millions) | 1.9677% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 729 |
| Loan loss allowance to noncurrent loans | 48.9130% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.5503% | 216 |
| Noncurrent loans to loans | 3.5827% | 217 |
| Net loans and leases to total assets | 69.9369% | 2,041 |
| Net loans and leases to deposits | 81.1075% | 2,303 |
| Net loans and leases to core deposits | 83.4551% | 2,658 |
| Total domestic deposits to total assets | 86.2274% | 1,921 |
| Equity capital to assets | 6.3758% | 5,022 |
| Core capital (leverage) ratio | 6.7298% | 5,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6281% | 2,758 |
| Memoranda: | ||
| Average total assets | $42,272,333 | 4,787 |
| Average earning assets | $39,468,000 | 4,768 |
| Average equity | $2,735,667 | 4,981 |
| Average total loans | $30,066,000 | 4,562 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 476 |
| Cost of funding earning assets | 0.6922% | 2,968 |
| Net interest margin | 4.6801% | 349 |
| Noninterest income to average assets | 2.1071% | 250 |
| Noninterest expense to average assets | 6.8767% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4310% | 4,917 |
| Return on assets (ROA) | -0.4310% | 4,890 |
| Pretax return on assets | -0.4310% | 4,872 |
| Return on Equity (ROE) | -6.6091% | 4,957 |
| Retained earnings to average equity (ytd only) | -6.6091% | 4,618 |
| Net charge-offs to loans | -0.2155% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6865% | 165 |
| Assets per employee ($millions) | 2.0899% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,126 |
| Loan loss allowance to noncurrent loans | 41.1661% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 3.6748% | 121 |
| Noncurrent loans to loans | 3.8308% | 216 |
| Net loans and leases to total assets | 69.5823% | 2,312 |
| Net loans and leases to deposits | 83.3902% | 2,294 |
| Net loans and leases to core deposits | 85.9787% | 2,681 |
| Total domestic deposits to total assets | 83.4418% | 2,962 |
| Equity capital to assets | 6.5314% | 5,088 |
| Core capital (leverage) ratio | 6.5150% | 5,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9093% | 2,748 |
| Memoranda: | ||
| Average total assets | $41,764,000 | 4,815 |
| Average earning assets | $38,717,000 | 4,806 |
| Average equity | $2,723,500 | 5,030 |
| Average total loans | $29,691,500 | 4,601 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 620 |
| Cost of funding earning assets | 0.7265% | 3,033 |
| Net interest margin | 4.7142% | 455 |
| Noninterest income to average assets | 2.9439% | 154 |
| Noninterest expense to average assets | 7.2159% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1008% | 4,928 |
| Return on assets (ROA) | 0.1008% | 4,944 |
| Pretax return on assets | 0.1008% | 4,943 |
| Return on Equity (ROE) | 1.5513% | 4,853 |
| Retained earnings to average equity (ytd only) | 1.5513% | 4,184 |
| Net charge-offs to loans | -0.3604% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6218% | 177 |
| Assets per employee ($millions) | 2.1963% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 1,202 |
| Loan loss allowance to noncurrent loans | 39.5431% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 3.7048% | 117 |
| Noncurrent loans to loans | 3.8146% | 200 |
| Net loans and leases to total assets | 70.4122% | 2,329 |
| Net loans and leases to deposits | 88.0838% | 1,831 |
| Net loans and leases to core deposits | 89.5496% | 2,464 |
| Total domestic deposits to total assets | 79.9377% | 3,992 |
| Equity capital to assets | 6.5109% | 5,159 |
| Core capital (leverage) ratio | 6.9216% | 5,146 |
| Tier 1 risk-based capital ratio | 11.4223% | 4,666 |
| Total risk-based capital ratio | 12.6803% | 4,539 |
| Memoranda: | ||
| Average total assets | $40,660,400 | 4,880 |
| Average earning assets | $37,716,000 | 4,866 |
| Average equity | $2,643,000 | 5,093 |
| Average total loans | $27,473,000 | 4,699 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 807 |
| Cost of funding earning assets | 0.6649% | 3,373 |
| Net interest margin | 4.6681% | 528 |
| Noninterest income to average assets | 3.0235% | 153 |
| Noninterest expense to average assets | 7.4103% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.0528% | 5,076 |
| Return on assets (ROA) | -0.0528% | 5,083 |
| Pretax return on assets | -0.0528% | 5,078 |
| Return on Equity (ROE) | -0.8127% | 5,094 |
| Retained earnings to average equity (ytd only) | -0.8127% | 4,843 |
| Net charge-offs to loans | -0.4860% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7178% | 145 |
| Assets per employee ($millions) | 2.1559% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,020 |
| Loan loss allowance to noncurrent loans | 39.2140% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.8060% | 118 |
| Noncurrent loans to loans | 4.0454% | 167 |
| Net loans and leases to total assets | 68.0021% | 2,791 |
| Net loans and leases to deposits | 84.0880% | 2,444 |
| Net loans and leases to core deposits | 85.4972% | 2,951 |
| Total domestic deposits to total assets | 80.8701% | 3,795 |
| Equity capital to assets | 6.5256% | 5,237 |
| Core capital (leverage) ratio | 6.9369% | 5,222 |
| Tier 1 risk-based capital ratio | 11.9112% | 4,456 |
| Total risk-based capital ratio | 13.1723% | 4,345 |
| Memoranda: | ||
| Average total assets | $40,393,000 | 4,957 |
| Average earning assets | $37,501,500 | 4,944 |
| Average equity | $2,624,500 | 5,170 |
| Average total loans | $26,883,000 | 4,779 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 1,103 |
| Cost of funding earning assets | 0.7090% | 3,118 |
| Net interest margin | 4.4422% | 870 |
| Noninterest income to average assets | 2.8953% | 165 |
| Noninterest expense to average assets | 7.3526% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.3433% | 5,173 |
| Return on assets (ROA) | -0.3433% | 5,178 |
| Pretax return on assets | -0.3433% | 5,174 |
| Return on Equity (ROE) | -5.2907% | 5,207 |
| Retained earnings to average equity (ytd only) | -5.2907% | 5,070 |
| Net charge-offs to loans | -0.7346% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8971% | 124 |
| Assets per employee ($millions) | 2.0224% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 994 |
| Loan loss allowance to noncurrent loans | 35.7827% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 4.3590% | 97 |
| Noncurrent loans to loans | 4.5207% | 135 |
| Net loans and leases to total assets | 70.9077% | 2,405 |
| Net loans and leases to deposits | 83.3981% | 2,560 |
| Net loans and leases to core deposits | 84.8050% | 3,050 |
| Total domestic deposits to total assets | 85.0232% | 2,464 |
| Equity capital to assets | 6.7584% | 5,278 |
| Core capital (leverage) ratio | 6.4419% | 5,282 |
| Tier 1 risk-based capital ratio | 11.4234% | 4,723 |
| Total risk-based capital ratio | 12.6902% | 4,605 |
| Memoranda: | ||
| Average total assets | $40,203,330 | 5,003 |
| Average earning assets | $37,234,000 | 4,987 |
| Average equity | $2,608,330 | 5,213 |
| Average total loans | $26,409,330 | 4,823 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7055% | 96 |
| Cost of funding earning assets | 0.7427% | 2,819 |
| Net interest margin | 5.9627% | 70 |
| Noninterest income to average assets | 2.8528% | 158 |
| Noninterest expense to average assets | 6.7075% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5839% | 927 |
| Return on assets (ROA) | 1.5839% | 954 |
| Pretax return on assets | 1.5839% | 1,515 |
| Return on Equity (ROE) | 19.3361% | 302 |
| Retained earnings to average equity (ytd only) | 19.3361% | 115 |
| Net charge-offs to loans | -0.1231% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8976% | 974 |
| Assets per employee ($millions) | 2.1898% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,867 |
| Loan loss allowance to noncurrent loans | 39.4708% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.1800% | 406 |
| Noncurrent loans to loans | 3.4226% | 267 |
| Net loans and leases to total assets | 62.8323% | 3,418 |
| Net loans and leases to deposits | 68.9926% | 3,842 |
| Net loans and leases to core deposits | 69.9938% | 4,080 |
| Total domestic deposits to total assets | 91.0710% | 159 |
| Equity capital to assets | 8.4675% | 5,007 |
| Core capital (leverage) ratio | 8.5366% | 4,989 |
| Tier 1 risk-based capital ratio | 15.6301% | 2,594 |
| Total risk-based capital ratio | 16.8828% | 2,517 |
| Memoranda: | ||
| Average total assets | $41,923,000 | 5,036 |
| Average earning assets | $38,237,500 | 5,030 |
| Average equity | $3,434,000 | 5,204 |
| Average total loans | $25,995,500 | 4,882 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9981% | 164 |
| Cost of funding earning assets | 1.0549% | 593 |
| Net interest margin | 4.9432% | 297 |
| Noninterest income to average assets | 8.4885% | 62 |
| Noninterest expense to average assets | 13.3935% | 48 |
| Loan and lease loss provision to assets | -0.0227% | 5,137 |
| Net operating income to assets | -0.2622% | 5,284 |
| Return on assets (ROA) | -0.2622% | 5,281 |
| Pretax return on assets | -0.2622% | 5,277 |
| Return on Equity (ROE) | -4.4460% | 5,310 |
| Retained earnings to average equity (ytd only) | -4.4460% | 5,230 |
| Net charge-offs to loans | -0.0191% | 4,686 |
| Credit loss provision to net charge-offs | 162.5000% | 1,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1736% | 125 |
| Assets per employee ($millions) | 2.0114% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,727 |
| Loan loss allowance to noncurrent loans | 36.1483% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.2988% | 361 |
| Noncurrent loans to loans | 3.8092% | 204 |
| Net loans and leases to total assets | 59.5170% | 3,819 |
| Net loans and leases to deposits | 65.0083% | 4,187 |
| Net loans and leases to core deposits | 65.9254% | 4,362 |
| Total domestic deposits to total assets | 91.5530% | 113 |
| Equity capital to assets | 7.9190% | 5,193 |
| Core capital (leverage) ratio | 7.2068% | 5,347 |
| Tier 1 risk-based capital ratio | 15.7533% | 2,511 |
| Total risk-based capital ratio | 17.0083% | 2,434 |
| Memoranda: | ||
| Average total assets | $57,207,000 | 4,813 |
| Average earning assets | $53,467,200 | 4,793 |
| Average equity | $3,373,800 | 5,250 |
| Average total loans | $41,929,600 | 4,497 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0009% | 151 |
| Cost of funding earning assets | 1.0839% | 425 |
| Net interest margin | 4.9170% | 306 |
| Noninterest income to average assets | 10.1657% | 53 |
| Noninterest expense to average assets | 14.7552% | 45 |
| Loan and lease loss provision to assets | -0.0284% | 5,260 |
| Net operating income to assets | 0.0634% | 5,271 |
| Return on assets (ROA) | 0.0634% | 5,263 |
| Pretax return on assets | 0.0634% | 5,267 |
| Return on Equity (ROE) | 1.1437% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.1437% | 4,815 |
| Net charge-offs to loans | -0.0145% | 4,500 |
| Credit loss provision to net charge-offs | 260.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7633% | 159 |
| Assets per employee ($millions) | 2.3457% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,028 |
| Loan loss allowance to noncurrent loans | 28.7752% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 489 |
| Noncurrent loans to loans | 3.9234% | 217 |
| Net loans and leases to total assets | 53.3590% | 4,400 |
| Net loans and leases to deposits | 57.1486% | 4,694 |
| Net loans and leases to core deposits | 57.7395% | 4,797 |
| Total domestic deposits to total assets | 93.3690% | 24 |
| Equity capital to assets | 6.2278% | 5,442 |
| Core capital (leverage) ratio | 5.7779% | 5,458 |
| Tier 1 risk-based capital ratio | 14.5805% | 3,077 |
| Total risk-based capital ratio | 15.8310% | 2,999 |
| Memoranda: | ||
| Average total assets | $60,948,750 | 4,794 |
| Average earning assets | $57,323,500 | 4,775 |
| Average equity | $3,381,000 | 5,317 |
| Average total loans | $46,039,250 | 4,447 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6102% | 272 |
| Cost of funding earning assets | 0.9815% | 511 |
| Net interest margin | 4.6288% | 522 |
| Noninterest income to average assets | 9.5105% | 57 |
| Noninterest expense to average assets | 14.1409% | 47 |
| Loan and lease loss provision to assets | 0.0384% | 3,142 |
| Net operating income to assets | -0.3072% | 5,414 |
| Return on assets (ROA) | -0.3072% | 5,408 |
| Pretax return on assets | -0.3072% | 5,407 |
| Return on Equity (ROE) | -5.7497% | 5,448 |
| Retained earnings to average equity (ytd only) | -5.7497% | 5,318 |
| Net charge-offs to loans | 0.0117% | 2,742 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | -28.0000% | 3,195 |
| Efficiency ratio | 101.9377% | 150 |
| Assets per employee ($millions) | 1.2318% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 5,010 |
| Loan loss allowance to noncurrent loans | 30.3408% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.7756% | 666 |
| Noncurrent loans to loans | 2.1816% | 645 |
| Net loans and leases to total assets | 80.8546% | 879 |
| Net loans and leases to deposits | 85.4907% | 2,377 |
| Net loans and leases to core deposits | 86.2091% | 2,904 |
| Total domestic deposits to total assets | 94.5771% | 8 |
| Equity capital to assets | 4.9934% | 5,528 |
| Core capital (leverage) ratio | 5.1796% | 5,527 |
| Tier 1 risk-based capital ratio | 10.6195% | 5,223 |
| Total risk-based capital ratio | 11.7449% | 5,170 |
| Memoranda: | ||
| Average total assets | $62,499,670 | 4,817 |
| Average earning assets | $58,892,330 | 4,793 |
| Average equity | $3,339,330 | 5,382 |
| Average total loans | $51,258,330 | 4,370 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4997% | 276 |
| Cost of funding earning assets | 0.8374% | 802 |
| Net interest margin | 4.6623% | 436 |
| Noninterest income to average assets | 7.0882% | 74 |
| Noninterest expense to average assets | 13.7020% | 52 |
| Loan and lease loss provision to assets | 0.0401% | 2,951 |
| Net operating income to assets | -2.2647% | 5,575 |
| Return on assets (ROA) | -2.2647% | 5,573 |
| Pretax return on assets | -2.2647% | 5,571 |
| Return on Equity (ROE) | -40.8742% | 5,589 |
| Retained earnings to average equity (ytd only) | -40.8742% | 5,576 |
| Net charge-offs to loans | -0.0568% | 5,027 |
| Credit loss provision to net charge-offs | -85.7143% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3830% | 66 |
| Assets per employee ($millions) | 1.1017% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 4,892 |
| Loan loss allowance to noncurrent loans | 28.1583% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.2503% | 448 |
| Noncurrent loans to loans | 2.6991% | 474 |
| Net loans and leases to total assets | 82.7374% | 567 |
| Net loans and leases to deposits | 87.7570% | 1,962 |
| Net loans and leases to core deposits | 88.6166% | 2,583 |
| Total domestic deposits to total assets | 94.2800% | 14 |
| Equity capital to assets | 5.3723% | 5,582 |
| Core capital (leverage) ratio | 5.3039% | 5,588 |
| Tier 1 risk-based capital ratio | 10.5581% | 5,333 |
| Total risk-based capital ratio | 11.7785% | 5,250 |
| Memoranda: | ||
| Average total assets | $59,874,500 | 4,930 |
| Average earning assets | $56,366,500 | 4,901 |
| Average equity | $3,317,500 | 5,439 |
| Average total loans | $49,315,500 | 4,459 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 418 |
| Cost of funding earning assets | 0.4796% | 2,505 |
| Net interest margin | 4.7495% | 388 |
| Noninterest income to average assets | 4.9094% | 107 |
| Noninterest expense to average assets | 7.9573% | 92 |
| Loan and lease loss provision to assets | 0.2495% | 752 |
| Net operating income to assets | 1.1951% | 1,537 |
| Return on assets (ROA) | 1.1951% | 1,564 |
| Pretax return on assets | 1.1951% | 2,791 |
| Return on Equity (ROE) | 21.6211% | 136 |
| Retained earnings to average equity (ytd only) | 21.6211% | 33 |
| Net charge-offs to loans | 0.4960% | 480 |
| Credit loss provision to net charge-offs | 64.4144% | 3,171 |
| Earnings coverage of net charge-offs (x) | 3.7297% | 3,566 |
| Efficiency ratio | 84.6354% | 721 |
| Assets per employee ($millions) | 1.3945% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7147% | 5,038 |
| Loan loss allowance to noncurrent loans | 27.0865% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.1481% | 500 |
| Noncurrent loans to loans | 2.6387% | 487 |
| Net loans and leases to total assets | 80.8253% | 856 |
| Net loans and leases to deposits | 86.6796% | 2,175 |
| Net loans and leases to core deposits | 87.1059% | 2,811 |
| Total domestic deposits to total assets | 93.2461% | 28 |
| Equity capital to assets | 5.7011% | 5,637 |
| Core capital (leverage) ratio | 5.8638% | 5,635 |
| Tier 1 risk-based capital ratio | 12.1736% | 4,415 |
| Total risk-based capital ratio | 13.2647% | 4,403 |
| Memoranda: | ||
| Average total assets | $57,318,600 | 5,023 |
| Average earning assets | $54,216,600 | 4,991 |
| Average equity | $3,168,200 | 5,514 |
| Average total loans | $44,760,600 | 4,598 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 495 |
| Cost of funding earning assets | 0.4328% | 2,872 |
| Net interest margin | 4.6762% | 423 |
| Noninterest income to average assets | 4.1177% | 136 |
| Noninterest expense to average assets | 7.1035% | 116 |
| Loan and lease loss provision to assets | 0.2770% | 589 |
| Net operating income to assets | 1.1626% | 1,833 |
| Return on assets (ROA) | 1.1626% | 1,877 |
| Pretax return on assets | 1.1626% | 3,051 |
| Return on Equity (ROE) | 21.2153% | 163 |
| Retained earnings to average equity (ytd only) | 21.2153% | 43 |
| Net charge-offs to loans | 0.0399% | 2,641 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 46.7773% | 1,164 |
| Efficiency ratio | 83.1486% | 826 |
| Assets per employee ($millions) | 1.9162% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,913 |
| Loan loss allowance to noncurrent loans | 30.8883% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 3.1010% | 281 |
| Noncurrent loans to loans | 3.8975% | 259 |
| Net loans and leases to total assets | 74.4651% | 1,845 |
| Net loans and leases to deposits | 79.0736% | 3,060 |
| Net loans and leases to core deposits | 79.4714% | 3,494 |
| Total domestic deposits to total assets | 94.1718% | 9 |
| Equity capital to assets | 5.5925% | 5,708 |
| Core capital (leverage) ratio | 5.7632% | 5,701 |
| Tier 1 risk-based capital ratio | 10.4165% | 5,481 |
| Total risk-based capital ratio | 11.6711% | 5,415 |
| Memoranda: | ||
| Average total assets | $56,309,000 | 5,095 |
| Average earning assets | $53,290,000 | 5,066 |
| Average equity | $3,085,750 | 5,583 |
| Average total loans | $43,463,500 | 4,675 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 746 |
| Cost of funding earning assets | 0.3789% | 3,299 |
| Net interest margin | 4.4936% | 570 |
| Noninterest income to average assets | 2.5724% | 219 |
| Noninterest expense to average assets | 5.7599% | 167 |
| Loan and lease loss provision to assets | 0.0760% | 2,461 |
| Net operating income to assets | 0.9841% | 2,510 |
| Return on assets (ROA) | 0.9841% | 2,556 |
| Pretax return on assets | 0.9841% | 3,624 |
| Return on Equity (ROE) | 18.0911% | 329 |
| Retained earnings to average equity (ytd only) | 18.0911% | 76 |
| Net charge-offs to loans | 0.0976% | 1,646 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 13.9524% | 2,102 |
| Efficiency ratio | 84.4562% | 806 |
| Assets per employee ($millions) | 2.0504% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,625 |
| Loan loss allowance to noncurrent loans | 23.2745% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.4245% | 239 |
| Noncurrent loans to loans | 3.8856% | 258 |
| Net loans and leases to total assets | 83.0273% | 551 |
| Net loans and leases to deposits | 88.1137% | 1,966 |
| Net loans and leases to core deposits | 88.5705% | 2,652 |
| Total domestic deposits to total assets | 94.2275% | 8 |
| Equity capital to assets | 5.5095% | 5,755 |
| Core capital (leverage) ratio | 5.5459% | 5,755 |
| Tier 1 risk-based capital ratio | 10.2396% | 5,565 |
| Total risk-based capital ratio | 11.4923% | 5,498 |
| Memoranda: | ||
| Average total assets | $55,278,330 | 5,151 |
| Average earning assets | $52,251,670 | 5,121 |
| Average equity | $3,007,000 | 5,636 |
| Average total loans | $43,027,330 | 4,717 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4903% | 230 |
| Cost of funding earning assets | 0.4158% | 2,852 |
| Net interest margin | 5.0745% | 198 |
| Noninterest income to average assets | 0.8854% | 1,291 |
| Noninterest expense to average assets | 4.6705% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6272% | 4,029 |
| Return on assets (ROA) | 0.6272% | 4,078 |
| Pretax return on assets | 0.6272% | 4,670 |
| Return on Equity (ROE) | 11.6081% | 1,365 |
| Retained earnings to average equity (ytd only) | 11.6081% | 514 |
| Net charge-offs to loans | -0.0395% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1616% | 654 |
| Assets per employee ($millions) | 3.2635% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,753 |
| Loan loss allowance to noncurrent loans | 58.7684% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5213% | 1,042 |
| Noncurrent loans to loans | 1.8573% | 996 |
| Net loans and leases to total assets | 71.7028% | 2,114 |
| Net loans and leases to deposits | 75.9117% | 3,209 |
| Net loans and leases to core deposits | 76.3180% | 3,624 |
| Total domestic deposits to total assets | 94.4556% | 11 |
| Equity capital to assets | 5.3624% | 5,823 |
| Core capital (leverage) ratio | 5.6769% | 5,817 |
| Tier 1 risk-based capital ratio | 9.8201% | 5,730 |
| Total risk-based capital ratio | 11.0711% | 5,710 |
| Memoranda: | ||
| Average total assets | $54,212,500 | 5,222 |
| Average earning assets | $47,138,000 | 5,270 |
| Average equity | $2,929,000 | 5,705 |
| Average total loans | $40,490,500 | 4,833 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 171 |
| Cost of funding earning assets | 0.4574% | 2,472 |
| Net interest margin | 5.3147% | 149 |
| Noninterest income to average assets | 1.0337% | 1,058 |
| Noninterest expense to average assets | 4.8714% | 276 |
| Loan and lease loss provision to assets | 0.0617% | 3,133 |
| Net operating income to assets | 0.8786% | 2,939 |
| Return on assets (ROA) | 0.8954% | 2,968 |
| Pretax return on assets | 0.8954% | 3,863 |
| Return on Equity (ROE) | 18.0973% | 324 |
| Retained earnings to average equity (ytd only) | 18.0973% | 66 |
| Net charge-offs to loans | 0.6436% | 347 |
| Credit loss provision to net charge-offs | 12.0000% | 3,731 |
| Earnings coverage of net charge-offs (x) | 1.8291% | 3,933 |
| Efficiency ratio | 83.8212% | 1,027 |
| Assets per employee ($millions) | 3.1145% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,911 |
| Loan loss allowance to noncurrent loans | 94.1558% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2636% | 1,410 |
| Noncurrent loans to loans | 1.1334% | 1,812 |
| Net loans and leases to total assets | 76.1663% | 1,492 |
| Net loans and leases to deposits | 80.6169% | 2,828 |
| Net loans and leases to core deposits | 81.0691% | 3,304 |
| Total domestic deposits to total assets | 94.4793% | 14 |
| Equity capital to assets | 5.4452% | 5,868 |
| Core capital (leverage) ratio | 5.2500% | 5,876 |
| Tier 1 risk-based capital ratio | 9.9568% | 5,750 |
| Total risk-based capital ratio | 11.2105% | 5,710 |
| Memoranda: | ||
| Average total assets | $53,496,200 | 5,274 |
| Average earning assets | $48,093,400 | 5,285 |
| Average equity | $2,646,800 | 5,787 |
| Average total loans | $42,727,000 | 4,792 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8667% | 144 |
| Cost of funding earning assets | 0.4756% | 2,313 |
| Net interest margin | 5.3911% | 132 |
| Noninterest income to average assets | 1.0317% | 1,073 |
| Noninterest expense to average assets | 4.8525% | 296 |
| Loan and lease loss provision to assets | 0.0820% | 2,566 |
| Net operating income to assets | 0.8875% | 2,966 |
| Return on assets (ROA) | 0.9099% | 2,987 |
| Pretax return on assets | 0.9099% | 3,948 |
| Return on Equity (ROE) | 18.8577% | 305 |
| Retained earnings to average equity (ytd only) | 18.8577% | 70 |
| Net charge-offs to loans | 0.7990% | 222 |
| Credit loss provision to net charge-offs | 12.7413% | 3,349 |
| Earnings coverage of net charge-offs (x) | 1.5058% | 3,686 |
| Efficiency ratio | 83.3476% | 1,040 |
| Assets per employee ($millions) | 3.1470% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 4,138 |
| Loan loss allowance to noncurrent loans | 25.1253% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 3.6674% | 251 |
| Noncurrent loans to loans | 4.1708% | 253 |
| Net loans and leases to total assets | 79.6015% | 945 |
| Net loans and leases to deposits | 84.2087% | 2,457 |
| Net loans and leases to core deposits | 86.3936% | 2,919 |
| Total domestic deposits to total assets | 94.5289% | 15 |
| Equity capital to assets | 5.2356% | 5,945 |
| Core capital (leverage) ratio | 5.0612% | 5,947 |
| Tier 1 risk-based capital ratio | 8.2956% | 5,936 |
| Total risk-based capital ratio | 9.5454% | 5,935 |
| Memoranda: | ||
| Average total assets | $53,633,750 | 5,323 |
| Average earning assets | $47,657,750 | 5,346 |
| Average equity | $2,587,750 | 5,857 |
| Average total loans | $43,218,250 | 4,815 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 515 |
| Cost of funding earning assets | 0.4637% | 2,440 |
| Net interest margin | 4.6039% | 505 |
| Noninterest income to average assets | 1.3674% | 612 |
| Noninterest expense to average assets | 4.7989% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6744% | 3,936 |
| Return on assets (ROA) | 0.6744% | 4,070 |
| Pretax return on assets | 0.6744% | 4,701 |
| Return on Equity (ROE) | 14.3841% | 770 |
| Retained earnings to average equity (ytd only) | 14.3841% | 164 |
| Net charge-offs to loans | 1.2292% | 137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.6805% | 3,495 |
| Efficiency ratio | 87.6787% | 743 |
| Assets per employee ($millions) | 3.2531% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,931 |
| Loan loss allowance to noncurrent loans | 24.5961% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 3.3236% | 340 |
| Noncurrent loans to loans | 3.6927% | 352 |
| Net loans and leases to total assets | 81.0839% | 735 |
| Net loans and leases to deposits | 85.4017% | 2,314 |
| Net loans and leases to core deposits | 87.5322% | 2,775 |
| Total domestic deposits to total assets | 94.9441% | 13 |
| Equity capital to assets | 4.7666% | 6,034 |
| Core capital (leverage) ratio | 4.7636% | 6,031 |
| Tier 1 risk-based capital ratio | 7.6033% | 6,027 |
| Total risk-based capital ratio | 8.7888% | 6,026 |
| Memoranda: | ||
| Average total assets | $53,678,670 | 5,384 |
| Average earning assets | $47,872,670 | 5,401 |
| Average equity | $2,516,670 | 5,936 |
| Average total loans | $43,278,670 | 4,854 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 574 |
| Cost of funding earning assets | 0.4709% | 2,361 |
| Net interest margin | 4.5347% | 569 |
| Noninterest income to average assets | 0.9382% | 1,213 |
| Noninterest expense to average assets | 4.6154% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2572% | 5,420 |
| Return on assets (ROA) | 0.2572% | 5,487 |
| Pretax return on assets | 0.2572% | 5,573 |
| Return on Equity (ROE) | 5.5352% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.5352% | 2,619 |
| Net charge-offs to loans | -0.0946% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7205% | 427 |
| Assets per employee ($millions) | 2.5942% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 1,399 |
| Loan loss allowance to noncurrent loans | 41.2223% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 3.4288% | 337 |
| Noncurrent loans to loans | 4.0865% | 290 |
| Net loans and leases to total assets | 77.3919% | 1,193 |
| Net loans and leases to deposits | 81.5210% | 2,603 |
| Net loans and leases to core deposits | 82.4890% | 3,090 |
| Total domestic deposits to total assets | 94.9349% | 13 |
| Equity capital to assets | 4.7876% | 6,093 |
| Core capital (leverage) ratio | 4.6915% | 6,091 |
| Tier 1 risk-based capital ratio | 7.3517% | 6,087 |
| Total risk-based capital ratio | 8.6108% | 6,087 |
| Memoranda: | ||
| Average total assets | $52,867,000 | 5,451 |
| Average earning assets | $45,869,000 | 5,493 |
| Average equity | $2,457,000 | 5,998 |
| Average total loans | $42,292,000 | 4,925 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,089 |
| Cost of funding earning assets | 0.5039% | 2,124 |
| Net interest margin | 3.8373% | 2,247 |
| Noninterest income to average assets | 0.9368% | 1,346 |
| Noninterest expense to average assets | 4.7271% | 351 |
| Loan and lease loss provision to assets | 0.4684% | 254 |
| Net operating income to assets | -0.7913% | 6,084 |
| Return on assets (ROA) | -0.7390% | 6,081 |
| Pretax return on assets | -0.7390% | 6,075 |
| Return on Equity (ROE) | -14.5770% | 6,119 |
| Retained earnings to average equity (ytd only) | -14.5770% | 6,086 |
| Net charge-offs to loans | 0.1174% | 2,199 |
| Credit loss provision to net charge-offs | 534.0426% | 615 |
| Earnings coverage of net charge-offs (x) | -3.6809% | 4,385 |
| Efficiency ratio | 107.3305% | 166 |
| Assets per employee ($millions) | 3.3656% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,811 |
| Loan loss allowance to noncurrent loans | 38.7966% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.4448% | 347 |
| Noncurrent loans to loans | 3.9893% | 307 |
| Net loans and leases to total assets | 79.9721% | 849 |
| Net loans and leases to deposits | 84.0572% | 2,354 |
| Net loans and leases to core deposits | 85.0163% | 2,879 |
| Total domestic deposits to total assets | 95.1402% | 14 |
| Equity capital to assets | 4.5125% | 6,152 |
| Core capital (leverage) ratio | 4.3333% | 6,152 |
| Tier 1 risk-based capital ratio | 6.7511% | 6,150 |
| Total risk-based capital ratio | 8.0097% | 6,149 |
| Memoranda: | ||
| Average total assets | $53,585,200 | 5,467 |
| Average earning assets | $48,419,400 | 5,471 |
| Average equity | $2,716,600 | 6,028 |
| Average total loans | $40,024,600 | 5,018 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 2,536 |
| Cost of funding earning assets | 0.5089% | 2,129 |
| Net interest margin | 3.7022% | 2,758 |
| Noninterest income to average assets | 0.8788% | 1,515 |
| Noninterest expense to average assets | 4.3667% | 451 |
| Loan and lease loss provision to assets | 0.1070% | 2,090 |
| Net operating income to assets | -0.2265% | 6,055 |
| Return on assets (ROA) | -0.1568% | 6,046 |
| Pretax return on assets | -0.1568% | 6,033 |
| Return on Equity (ROE) | -2.9732% | 6,101 |
| Retained earnings to average equity (ytd only) | -2.9732% | 5,932 |
| Net charge-offs to loans | 0.1603% | 1,545 |
| Credit loss provision to net charge-offs | 91.4894% | 2,451 |
| Earnings coverage of net charge-offs (x) | -1.0212% | 4,055 |
| Efficiency ratio | 102.8136% | 236 |
| Assets per employee ($millions) | 3.3041% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 4,152 |
| Loan loss allowance to noncurrent loans | 39.5447% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.2434% | 834 |
| Noncurrent loans to loans | 2.8142% | 663 |
| Net loans and leases to total assets | 78.8314% | 984 |
| Net loans and leases to deposits | 83.5555% | 2,451 |
| Net loans and leases to core deposits | 84.5352% | 2,983 |
| Total domestic deposits to total assets | 94.3461% | 26 |
| Equity capital to assets | 5.2643% | 6,223 |
| Core capital (leverage) ratio | 5.2822% | 6,223 |
| Tier 1 risk-based capital ratio | 7.8166% | 6,222 |
| Total risk-based capital ratio | 9.0663% | 6,221 |
| Memoranda: | ||
| Average total assets | $53,556,000 | 5,540 |
| Average earning assets | $48,727,000 | 5,535 |
| Average equity | $2,825,250 | 6,103 |
| Average total loans | $39,095,250 | 5,102 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,546 |
| Cost of funding earning assets | 0.5309% | 1,973 |
| Net interest margin | 3.6674% | 2,844 |
| Noninterest income to average assets | 0.7474% | 2,006 |
| Noninterest expense to average assets | 4.2762% | 505 |
| Loan and lease loss provision to assets | 0.1116% | 1,972 |
| Net operating income to assets | -0.3012% | 6,137 |
| Return on assets (ROA) | -0.3012% | 6,150 |
| Pretax return on assets | -0.3012% | 6,140 |
| Return on Equity (ROE) | -5.7056% | 6,203 |
| Retained earnings to average equity (ytd only) | -5.7056% | 6,049 |
| Net charge-offs to loans | 0.2153% | 1,184 |
| Credit loss provision to net charge-offs | 73.1707% | 2,420 |
| Earnings coverage of net charge-offs (x) | -1.2439% | 3,776 |
| Efficiency ratio | 104.6406% | 241 |
| Assets per employee ($millions) | 3.4383% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,987 |
| Loan loss allowance to noncurrent loans | 46.6667% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.9196% | 1,170 |
| Noncurrent loans to loans | 2.5026% | 892 |
| Net loans and leases to total assets | 75.8076% | 1,392 |
| Net loans and leases to deposits | 80.4829% | 2,723 |
| Net loans and leases to core deposits | 82.1331% | 3,157 |
| Total domestic deposits to total assets | 94.1909% | 29 |
| Equity capital to assets | 5.4019% | 6,289 |
| Core capital (leverage) ratio | 5.1752% | 6,294 |
| Tier 1 risk-based capital ratio | 7.2235% | 6,306 |
| Total risk-based capital ratio | 8.4361% | 6,308 |
| Memoranda: | ||
| Average total assets | $53,786,000 | 5,598 |
| Average earning assets | $48,972,670 | 5,586 |
| Average equity | $2,839,330 | 6,169 |
| Average total loans | $38,079,000 | 5,179 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,327 |
| Cost of funding earning assets | 0.5573% | 1,780 |
| Net interest margin | 3.4155% | 3,782 |
| Noninterest income to average assets | 0.6850% | 2,228 |
| Noninterest expense to average assets | 4.1245% | 600 |
| Loan and lease loss provision to assets | 0.2186% | 808 |
| Net operating income to assets | -0.5320% | 6,253 |
| Return on assets (ROA) | -0.5320% | 6,262 |
| Pretax return on assets | -0.5320% | 6,250 |
| Return on Equity (ROE) | -10.1884% | 6,321 |
| Retained earnings to average equity (ytd only) | -10.1884% | 6,141 |
| Net charge-offs to loans | 0.4606% | 539 |
| Credit loss provision to net charge-offs | 69.7674% | 1,917 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,170 |
| Efficiency ratio | 108.2218% | 210 |
| Assets per employee ($millions) | 3.7051% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 3,645 |
| Loan loss allowance to noncurrent loans | 81.8505% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 2,602 |
| Noncurrent loans to loans | 1.5365% | 1,826 |
| Net loans and leases to total assets | 64.9837% | 2,939 |
| Net loans and leases to deposits | 68.7099% | 3,890 |
| Net loans and leases to core deposits | 70.0099% | 4,156 |
| Total domestic deposits to total assets | 94.5769% | 19 |
| Equity capital to assets | 5.1154% | 6,367 |
| Core capital (leverage) ratio | 5.1111% | 6,363 |
| Tier 1 risk-based capital ratio | 7.2191% | 6,370 |
| Total risk-based capital ratio | 8.4223% | 6,372 |
| Memoranda: | ||
| Average total assets | $54,892,000 | 5,618 |
| Average earning assets | $50,241,000 | 5,612 |
| Average equity | $2,866,000 | 6,225 |
| Average total loans | $37,339,000 | 5,233 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 1,349 |
| Cost of funding earning assets | 0.6243% | 1,579 |
| Net interest margin | 4.0582% | 1,710 |
| Noninterest income to average assets | 0.9052% | 1,490 |
| Noninterest expense to average assets | 4.2790% | 558 |
| Loan and lease loss provision to assets | 0.2743% | 787 |
| Net operating income to assets | 0.0603% | 6,009 |
| Return on assets (ROA) | 0.1755% | 5,860 |
| Pretax return on assets | 0.1755% | 5,908 |
| Return on Equity (ROE) | 3.1696% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.1696% | 3,982 |
| Net charge-offs to loans | 1.2979% | 201 |
| Credit loss provision to net charge-offs | 28.5714% | 3,855 |
| Earnings coverage of net charge-offs (x) | 0.3486% | 4,657 |
| Efficiency ratio | 92.7467% | 662 |
| Assets per employee ($millions) | 3.6265% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 5,900 |
| Loan loss allowance to noncurrent loans | 39.7472% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.3089% | 2,150 |
| Noncurrent loans to loans | 1.8687% | 1,519 |
| Net loans and leases to total assets | 69.5241% | 2,303 |
| Net loans and leases to deposits | 73.9432% | 3,445 |
| Net loans and leases to core deposits | 75.3817% | 3,780 |
| Total domestic deposits to total assets | 94.0236% | 34 |
| Equity capital to assets | 5.6602% | 6,432 |
| Core capital (leverage) ratio | 5.5111% | 6,437 |
| Tier 1 risk-based capital ratio | 7.4660% | 6,459 |
| Total risk-based capital ratio | 8.1650% | 6,466 |
| Memoranda: | ||
| Average total assets | $54,685,400 | 5,683 |
| Average earning assets | $49,973,000 | 5,677 |
| Average equity | $3,028,800 | 6,267 |
| Average total loans | $40,450,600 | 5,162 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 1,198 |
| Cost of funding earning assets | 0.6362% | 1,554 |
| Net interest margin | 4.1100% | 1,547 |
| Noninterest income to average assets | 0.6988% | 2,330 |
| Noninterest expense to average assets | 4.2879% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1704% | 5,906 |
| Return on assets (ROA) | 0.2508% | 5,796 |
| Pretax return on assets | 0.2508% | 5,862 |
| Return on Equity (ROE) | 4.5530% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.5530% | 3,406 |
| Net charge-offs to loans | 1.1241% | 253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.2023% | 4,423 |
| Efficiency ratio | 96.1770% | 500 |
| Assets per employee ($millions) | 3.1293% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 5,955 |
| Loan loss allowance to noncurrent loans | 18.7163% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 3.1336% | 733 |
| Noncurrent loans to loans | 4.1039% | 500 |
| Net loans and leases to total assets | 75.7698% | 1,251 |
| Net loans and leases to deposits | 80.6773% | 2,595 |
| Net loans and leases to core deposits | 82.7697% | 3,030 |
| Total domestic deposits to total assets | 93.9171% | 43 |
| Equity capital to assets | 5.7653% | 6,497 |
| Core capital (leverage) ratio | 5.6833% | 6,495 |
| Tier 1 risk-based capital ratio | 7.1225% | 6,531 |
| Total risk-based capital ratio | 7.8560% | 6,543 |
| Memoranda: | ||
| Average total assets | $54,757,500 | 5,743 |
| Average earning assets | $50,088,250 | 5,740 |
| Average equity | $3,016,250 | 6,341 |
| Average total loans | $41,037,750 | 5,192 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7241% | 1,235 |
| Cost of funding earning assets | 0.6512% | 1,503 |
| Net interest margin | 4.0729% | 1,596 |
| Noninterest income to average assets | 0.6802% | 2,375 |
| Noninterest expense to average assets | 4.1898% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2243% | 5,771 |
| Return on assets (ROA) | 0.3437% | 5,494 |
| Pretax return on assets | 0.3437% | 5,691 |
| Return on Equity (ROE) | 6.3347% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.3347% | 2,128 |
| Net charge-offs to loans | 1.0346% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.2911% | 4,075 |
| Efficiency ratio | 94.9180% | 604 |
| Assets per employee ($millions) | 3.3394% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 4,883 |
| Loan loss allowance to noncurrent loans | 50.5682% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.6470% | 1,979 |
| Noncurrent loans to loans | 2.1859% | 1,500 |
| Net loans and leases to total assets | 74.5143% | 1,377 |
| Net loans and leases to deposits | 80.2471% | 2,487 |
| Net loans and leases to core deposits | 82.3416% | 2,936 |
| Total domestic deposits to total assets | 92.8561% | 91 |
| Equity capital to assets | 5.7121% | 6,555 |
| Core capital (leverage) ratio | 5.4682% | 6,566 |
| Tier 1 risk-based capital ratio | 7.1855% | 6,591 |
| Total risk-based capital ratio | 8.2436% | 6,598 |
| Memoranda: | ||
| Average total assets | $55,277,330 | 5,782 |
| Average earning assets | $50,676,000 | 5,764 |
| Average equity | $2,999,330 | 6,395 |
| Average total loans | $41,177,000 | 5,223 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,373 |
| Cost of funding earning assets | 0.6742% | 1,410 |
| Net interest margin | 3.9756% | 1,838 |
| Noninterest income to average assets | 0.6334% | 2,551 |
| Noninterest expense to average assets | 4.1352% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1495% | 5,929 |
| Return on assets (ROA) | 0.3843% | 5,240 |
| Pretax return on assets | 0.3843% | 5,501 |
| Return on Equity (ROE) | 7.2654% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.2654% | 1,919 |
| Net charge-offs to loans | 0.0288% | 3,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,166 |
| Efficiency ratio | 96.5116% | 615 |
| Assets per employee ($millions) | 3.2526% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 2,839 |
| Loan loss allowance to noncurrent loans | 61.9678% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.9116% | 1,799 |
| Noncurrent loans to loans | 2.5320% | 1,364 |
| Net loans and leases to total assets | 74.3123% | 1,225 |
| Net loans and leases to deposits | 79.6414% | 2,343 |
| Net loans and leases to core deposits | 81.6350% | 2,773 |
| Total domestic deposits to total assets | 93.3086% | 91 |
| Equity capital to assets | 5.4092% | 6,610 |
| Core capital (leverage) ratio | 5.1379% | 6,638 |
| Tier 1 risk-based capital ratio | 6.8853% | 6,659 |
| Total risk-based capital ratio | 8.1395% | 6,659 |
| Memoranda: | ||
| Average total assets | $56,201,000 | 5,804 |
| Average earning assets | $51,615,000 | 5,795 |
| Average equity | $2,973,000 | 6,455 |
| Average total loans | $41,636,500 | 5,253 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 792 |
| Cost of funding earning assets | 0.8101% | 1,161 |
| Net interest margin | 4.2683% | 1,173 |
| Noninterest income to average assets | 0.9582% | 1,499 |
| Noninterest expense to average assets | 4.6923% | 447 |
| Loan and lease loss provision to assets | 2.1292% | 43 |
| Net operating income to assets | -2.0589% | 6,721 |
| Return on assets (ROA) | -2.0589% | 6,721 |
| Pretax return on assets | -2.0589% | 6,714 |
| Return on Equity (ROE) | -31.6426% | 6,730 |
| Retained earnings to average equity (ytd only) | -31.6426% | 6,726 |
| Net charge-offs to loans | 3.4893% | 56 |
| Credit loss provision to net charge-offs | 85.5316% | 2,884 |
| Earnings coverage of net charge-offs (x) | 0.0283% | 5,084 |
| Efficiency ratio | 98.5227% | 529 |
| Assets per employee ($millions) | 3.5692% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 2,821 |
| Loan loss allowance to noncurrent loans | 69.5560% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 2,206 |
| Noncurrent loans to loans | 2.2780% | 1,694 |
| Net loans and leases to total assets | 71.5657% | 1,760 |
| Net loans and leases to deposits | 76.5036% | 2,915 |
| Net loans and leases to core deposits | 79.8285% | 3,152 |
| Total domestic deposits to total assets | 93.5454% | 97 |
| Equity capital to assets | 5.1745% | 6,677 |
| Core capital (leverage) ratio | 5.0034% | 6,714 |
| Tier 1 risk-based capital ratio | 6.7506% | 6,739 |
| Total risk-based capital ratio | 7.5712% | 6,748 |
| Memoranda: | ||
| Average total assets | $59,693,200 | 5,764 |
| Average earning assets | $53,206,200 | 5,800 |
| Average equity | $3,884,000 | 6,350 |
| Average total loans | $42,587,600 | 5,247 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 842 |
| Cost of funding earning assets | 0.8022% | 1,309 |
| Net interest margin | 4.2529% | 1,201 |
| Noninterest income to average assets | 0.7204% | 2,507 |
| Noninterest expense to average assets | 4.0834% | 781 |
| Loan and lease loss provision to assets | 1.1490% | 125 |
| Net operating income to assets | -0.7402% | 6,659 |
| Return on assets (ROA) | -0.7402% | 6,666 |
| Pretax return on assets | -0.7402% | 6,647 |
| Return on Equity (ROE) | -10.8511% | 6,701 |
| Retained earnings to average equity (ytd only) | -10.8511% | 6,658 |
| Net charge-offs to loans | 3.1674% | 71 |
| Credit loss provision to net charge-offs | 51.0806% | 3,473 |
| Earnings coverage of net charge-offs (x) | 0.1817% | 4,802 |
| Efficiency ratio | 90.9001% | 926 |
| Assets per employee ($millions) | 3.6202% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 6,075 |
| Loan loss allowance to noncurrent loans | 30.7629% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 2.2375% | 1,775 |
| Noncurrent loans to loans | 2.8983% | 1,414 |
| Net loans and leases to total assets | 71.9645% | 1,601 |
| Net loans and leases to deposits | 78.5083% | 2,584 |
| Net loans and leases to core deposits | 81.9390% | 2,879 |
| Total domestic deposits to total assets | 91.6648% | 325 |
| Equity capital to assets | 6.7348% | 6,607 |
| Core capital (leverage) ratio | 6.6740% | 6,642 |
| Tier 1 risk-based capital ratio | 8.7806% | 6,734 |
| Total risk-based capital ratio | 9.6339% | 6,754 |
| Memoranda: | ||
| Average total assets | $60,339,750 | 5,810 |
| Average earning assets | $53,515,500 | 5,838 |
| Average equity | $4,116,250 | 6,374 |
| Average total loans | $42,852,750 | 5,282 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1157% | 752 |
| Cost of funding earning assets | 0.8334% | 1,240 |
| Net interest margin | 4.2823% | 1,066 |
| Noninterest income to average assets | 0.7065% | 2,603 |
| Noninterest expense to average assets | 4.0592% | 811 |
| Loan and lease loss provision to assets | 1.5537% | 80 |
| Net operating income to assets | -1.1415% | 6,774 |
| Return on assets (ROA) | -1.1415% | 6,778 |
| Pretax return on assets | -1.1415% | 6,760 |
| Return on Equity (ROE) | -16.6667% | 6,805 |
| Retained earnings to average equity (ytd only) | -16.6667% | 6,770 |
| Net charge-offs to loans | 3.9242% | 61 |
| Credit loss provision to net charge-offs | 56.1466% | 3,095 |
| Earnings coverage of net charge-offs (x) | 0.1489% | 4,498 |
| Efficiency ratio | 90.7827% | 1,000 |
| Assets per employee ($millions) | 3.6611% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,047 |
| Loan loss allowance to noncurrent loans | 52.6758% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 3.6892% | 1,005 |
| Noncurrent loans to loans | 2.2560% | 2,110 |
| Net loans and leases to total assets | 71.2566% | 1,684 |
| Net loans and leases to deposits | 77.6587% | 2,611 |
| Net loans and leases to core deposits | 81.0092% | 2,910 |
| Total domestic deposits to total assets | 91.7562% | 305 |
| Equity capital to assets | 6.6306% | 6,664 |
| Core capital (leverage) ratio | 6.3228% | 6,719 |
| Tier 1 risk-based capital ratio | 8.5939% | 6,781 |
| Total risk-based capital ratio | 9.7159% | 6,791 |
| Memoranda: | ||
| Average total assets | $61,145,330 | 5,832 |
| Average earning assets | $53,756,000 | 5,869 |
| Average equity | $4,188,000 | 6,407 |
| Average total loans | $43,117,330 | 5,296 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 767 |
| Cost of funding earning assets | 0.8630% | 1,188 |
| Net interest margin | 4.2193% | 1,142 |
| Noninterest income to average assets | 0.7240% | 2,461 |
| Noninterest expense to average assets | 3.9148% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4741% | 4,801 |
| Return on assets (ROA) | 0.4741% | 4,969 |
| Pretax return on assets | 0.4741% | 5,348 |
| Return on Equity (ROE) | 6.8203% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.8203% | 2,243 |
| Net charge-offs to loans | 1.5245% | 352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4458% | 3,665 |
| Efficiency ratio | 89.1971% | 1,214 |
| Assets per employee ($millions) | 3.8838% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 3,241 |
| Loan loss allowance to noncurrent loans | 48.8935% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 5.8368% | 558 |
| Noncurrent loans to loans | 3.3516% | 1,445 |
| Net loans and leases to total assets | 68.2926% | 1,958 |
| Net loans and leases to deposits | 76.0479% | 2,633 |
| Net loans and leases to core deposits | 79.9476% | 2,814 |
| Total domestic deposits to total assets | 89.8021% | 1,163 |
| Equity capital to assets | 7.0357% | 6,705 |
| Core capital (leverage) ratio | 6.6864% | 6,720 |
| Tier 1 risk-based capital ratio | 9.0401% | 6,807 |
| Total risk-based capital ratio | 10.2940% | 6,806 |
| Memoranda: | ||
| Average total assets | $62,429,500 | 5,851 |
| Average earning assets | $54,227,000 | 5,897 |
| Average equity | $4,340,000 | 6,437 |
| Average total loans | $43,555,000 | 5,316 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 971 |
| Cost of funding earning assets | 0.9758% | 1,491 |
| Net interest margin | 4.3018% | 1,397 |
| Noninterest income to average assets | 0.7961% | 2,276 |
| Noninterest expense to average assets | 3.9789% | 999 |
| Loan and lease loss provision to assets | 0.4431% | 1,428 |
| Net operating income to assets | 0.1192% | 5,971 |
| Return on assets (ROA) | 0.4477% | 5,138 |
| Pretax return on assets | 0.4477% | 5,433 |
| Return on Equity (ROE) | 7.1210% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.1210% | 1,512 |
| Net charge-offs to loans | 0.9128% | 1,241 |
| Credit loss provision to net charge-offs | 70.9046% | 4,131 |
| Earnings coverage of net charge-offs (x) | 0.8998% | 5,025 |
| Efficiency ratio | 87.6178% | 1,272 |
| Assets per employee ($millions) | 3.9199% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 2,058 |
| Loan loss allowance to noncurrent loans | 147.5465% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 4.9108% | 799 |
| Noncurrent loans to loans | 1.3442% | 3,591 |
| Net loans and leases to total assets | 68.7096% | 2,076 |
| Net loans and leases to deposits | 76.0478% | 2,800 |
| Net loans and leases to core deposits | 79.8851% | 3,025 |
| Total domestic deposits to total assets | 90.3506% | 774 |
| Equity capital to assets | 6.8687% | 6,796 |
| Core capital (leverage) ratio | 6.4870% | 6,796 |
| Tier 1 risk-based capital ratio | 8.6626% | 6,879 |
| Total risk-based capital ratio | 9.9184% | 6,884 |
| Memoranda: | ||
| Average total assets | $65,444,600 | 5,768 |
| Average earning assets | $56,976,600 | 5,838 |
| Average equity | $4,114,600 | 6,542 |
| Average total loans | $44,806,200 | 5,292 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 1,211 |
| Cost of funding earning assets | 0.9955% | 1,588 |
| Net interest margin | 4.1984% | 1,741 |
| Noninterest income to average assets | 0.6069% | 3,230 |
| Noninterest expense to average assets | 3.8895% | 1,073 |
| Loan and lease loss provision to assets | 0.5242% | 1,149 |
| Net operating income to assets | -0.1331% | 6,439 |
| Return on assets (ROA) | 0.0968% | 6,276 |
| Pretax return on assets | 0.0968% | 6,277 |
| Return on Equity (ROE) | 1.5739% | 6,136 |
| Retained earnings to average equity (ytd only) | 1.5739% | 5,549 |
| Net charge-offs to loans | 0.7612% | 1,451 |
| Credit loss provision to net charge-offs | 101.1673% | 2,919 |
| Earnings coverage of net charge-offs (x) | 0.7549% | 4,952 |
| Efficiency ratio | 90.8620% | 977 |
| Assets per employee ($millions) | 4.0318% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 1,748 |
| Loan loss allowance to noncurrent loans | 109.2206% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 4.3204% | 1,083 |
| Noncurrent loans to loans | 1.9949% | 2,847 |
| Net loans and leases to total assets | 69.2488% | 2,058 |
| Net loans and leases to deposits | 77.5700% | 2,720 |
| Net loans and leases to core deposits | 81.0020% | 3,087 |
| Total domestic deposits to total assets | 89.2726% | 1,262 |
| Equity capital to assets | 6.4349% | 6,952 |
| Core capital (leverage) ratio | 6.1931% | 6,930 |
| Tier 1 risk-based capital ratio | 8.2084% | 6,981 |
| Total risk-based capital ratio | 9.4681% | 6,982 |
| Memoranda: | ||
| Average total assets | $66,126,000 | 5,809 |
| Average earning assets | $57,861,250 | 5,883 |
| Average equity | $4,066,250 | 6,625 |
| Average total loans | $45,016,250 | 5,343 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 1,348 |
| Cost of funding earning assets | 1.0088% | 1,716 |
| Net interest margin | 4.1524% | 1,892 |
| Noninterest income to average assets | 0.4770% | 4,080 |
| Noninterest expense to average assets | 3.8911% | 1,087 |
| Loan and lease loss provision to assets | 0.7050% | 771 |
| Net operating income to assets | -0.5010% | 6,734 |
| Return on assets (ROA) | -0.1590% | 6,587 |
| Pretax return on assets | -0.1590% | 6,564 |
| Return on Equity (ROE) | -2.6251% | 6,653 |
| Retained earnings to average equity (ytd only) | -2.6251% | 6,422 |
| Net charge-offs to loans | 0.8482% | 1,304 |
| Credit loss provision to net charge-offs | 123.6842% | 2,219 |
| Earnings coverage of net charge-offs (x) | 0.3579% | 4,901 |
| Efficiency ratio | 95.0183% | 752 |
| Assets per employee ($millions) | 4.0550% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3080% | 1,578 |
| Loan loss allowance to noncurrent loans | 144.8324% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 3.8009% | 1,362 |
| Noncurrent loans to loans | 1.5936% | 3,519 |
| Net loans and leases to total assets | 67.6526% | 2,332 |
| Net loans and leases to deposits | 75.5916% | 3,043 |
| Net loans and leases to core deposits | 78.9073% | 3,377 |
| Total domestic deposits to total assets | 89.4975% | 1,221 |
| Equity capital to assets | 6.1745% | 7,015 |
| Core capital (leverage) ratio | 5.8914% | 7,000 |
| Tier 1 risk-based capital ratio | 8.0119% | 7,037 |
| Total risk-based capital ratio | 9.2733% | 7,039 |
| Memoranda: | ||
| Average total assets | $66,665,330 | 5,819 |
| Average earning assets | $58,087,000 | 5,907 |
| Average equity | $4,038,000 | 6,668 |
| Average total loans | $44,799,670 | 5,389 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 1,017 |
| Cost of funding earning assets | 1.0689% | 1,565 |
| Net interest margin | 4.2756% | 1,540 |
| Noninterest income to average assets | 0.2368% | 5,937 |
| Noninterest expense to average assets | 3.7657% | 1,262 |
| Loan and lease loss provision to assets | 0.5625% | 1,032 |
| Net operating income to assets | -0.3967% | 6,769 |
| Return on assets (ROA) | 0.2783% | 5,891 |
| Pretax return on assets | 0.2783% | 6,020 |
| Return on Equity (ROE) | 4.6374% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.6374% | 3,790 |
| Net charge-offs to loans | 1.0283% | 1,008 |
| Credit loss provision to net charge-offs | 82.6087% | 2,681 |
| Earnings coverage of net charge-offs (x) | 0.2435% | 4,246 |
| Efficiency ratio | 95.7831% | 728 |
| Assets per employee ($millions) | 4.0952% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 1,933 |
| Loan loss allowance to noncurrent loans | 102.6399% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 5.5767% | 875 |
| Noncurrent loans to loans | 2.1195% | 3,008 |
| Net loans and leases to total assets | 66.7063% | 2,348 |
| Net loans and leases to deposits | 74.4625% | 3,053 |
| Net loans and leases to core deposits | 77.6921% | 3,372 |
| Total domestic deposits to total assets | 89.5838% | 1,316 |
| Equity capital to assets | 6.1993% | 7,052 |
| Core capital (leverage) ratio | 5.8759% | 7,050 |
| Tier 1 risk-based capital ratio | 8.1409% | 7,089 |
| Total risk-based capital ratio | 9.4008% | 7,087 |
| Memoranda: | ||
| Average total assets | $67,558,000 | 5,844 |
| Average earning assets | $58,377,500 | 5,925 |
| Average equity | $4,054,000 | 6,703 |
| Average total loans | $44,734,500 | 5,437 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 2,327 |
| Cost of funding earning assets | 1.2958% | 1,501 |
| Net interest margin | 3.8350% | 3,650 |
| Noninterest income to average assets | 0.7329% | 2,429 |
| Noninterest expense to average assets | 3.5597% | 1,835 |
| Loan and lease loss provision to assets | 2.0116% | 295 |
| Net operating income to assets | -1.4630% | 6,898 |
| Return on assets (ROA) | -1.3429% | 6,889 |
| Pretax return on assets | -1.3429% | 6,856 |
| Return on Equity (ROE) | -21.3332% | 7,000 |
| Retained earnings to average equity (ytd only) | -21.3332% | 6,986 |
| Net charge-offs to loans | 3.0805% | 301 |
| Credit loss provision to net charge-offs | 96.6465% | 3,728 |
| Earnings coverage of net charge-offs (x) | 0.2636% | 5,632 |
| Efficiency ratio | 86.6463% | 1,485 |
| Assets per employee ($millions) | 4.3496% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 1,775 |
| Loan loss allowance to noncurrent loans | 38.6594% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 8.1977% | 480 |
| Noncurrent loans to loans | 5.7291% | 899 |
| Net loans and leases to total assets | 62.9331% | 3,422 |
| Net loans and leases to deposits | 69.8628% | 4,126 |
| Net loans and leases to core deposits | 75.2707% | 4,071 |
| Total domestic deposits to total assets | 90.0809% | 951 |
| Equity capital to assets | 5.8138% | 7,107 |
| Core capital (leverage) ratio | 5.5738% | 7,093 |
| Tier 1 risk-based capital ratio | 7.7191% | 7,125 |
| Total risk-based capital ratio | 8.9776% | 7,127 |
| Memoranda: | ||
| Average total assets | $71,635,600 | 5,703 |
| Average earning assets | $63,051,600 | 5,765 |
| Average equity | $4,509,400 | 6,591 |
| Average total loans | $48,401,000 | 5,329 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2774% | 1,951 |
| Cost of funding earning assets | 1.3471% | 1,466 |
| Net interest margin | 3.9303% | 3,235 |
| Noninterest income to average assets | 1.1014% | 1,097 |
| Noninterest expense to average assets | 3.4799% | 1,992 |
| Loan and lease loss provision to assets | 1.9035% | 299 |
| Net operating income to assets | -0.8353% | 6,812 |
| Return on assets (ROA) | -0.7170% | 6,797 |
| Pretax return on assets | -0.6967% | 6,734 |
| Return on Equity (ROE) | -11.1847% | 6,923 |
| Retained earnings to average equity (ytd only) | -11.1847% | 6,890 |
| Net charge-offs to loans | 1.5495% | 924 |
| Credit loss provision to net charge-offs | 179.7557% | 1,658 |
| Earnings coverage of net charge-offs (x) | 1.0279% | 4,863 |
| Efficiency ratio | 76.1731% | 2,817 |
| Assets per employee ($millions) | 4.1048% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1022% | 795 |
| Loan loss allowance to noncurrent loans | 54.1546% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 7.6839% | 606 |
| Noncurrent loans to loans | 5.7284% | 1,002 |
| Net loans and leases to total assets | 67.0975% | 2,653 |
| Net loans and leases to deposits | 75.2923% | 3,457 |
| Net loans and leases to core deposits | 81.1712% | 3,457 |
| Total domestic deposits to total assets | 89.1161% | 1,357 |
| Equity capital to assets | 6.7166% | 7,100 |
| Core capital (leverage) ratio | 6.3794% | 7,088 |
| Tier 1 risk-based capital ratio | 8.6061% | 7,148 |
| Total risk-based capital ratio | 9.8754% | 7,152 |
| Memoranda: | ||
| Average total assets | $72,146,250 | 5,732 |
| Average earning assets | $63,641,000 | 5,784 |
| Average equity | $4,625,250 | 6,605 |
| Average total loans | $49,304,000 | 5,334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2370% | 2,112 |
| Cost of funding earning assets | 1.3895% | 1,462 |
| Net interest margin | 3.8476% | 3,548 |
| Noninterest income to average assets | 1.2779% | 772 |
| Noninterest expense to average assets | 3.4798% | 2,034 |
| Loan and lease loss provision to assets | 2.5502% | 205 |
| Net operating income to assets | -1.3656% | 7,057 |
| Return on assets (ROA) | -1.1901% | 7,014 |
| Pretax return on assets | -1.1901% | 6,962 |
| Return on Equity (ROE) | -18.8504% | 7,142 |
| Retained earnings to average equity (ytd only) | -18.8504% | 7,125 |
| Net charge-offs to loans | 2.2405% | 574 |
| Credit loss provision to net charge-offs | 167.2662% | 1,810 |
| Earnings coverage of net charge-offs (x) | 0.7770% | 4,719 |
| Efficiency ratio | 74.6032% | 3,253 |
| Assets per employee ($millions) | 3.4678% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8846% | 1,002 |
| Loan loss allowance to noncurrent loans | 220.3733% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 4.6715% | 1,335 |
| Noncurrent loans to loans | 1.3090% | 4,458 |
| Net loans and leases to total assets | 68.7842% | 2,458 |
| Net loans and leases to deposits | 76.8472% | 3,316 |
| Net loans and leases to core deposits | 83.9170% | 3,226 |
| Total domestic deposits to total assets | 89.5078% | 1,235 |
| Equity capital to assets | 6.4162% | 7,201 |
| Core capital (leverage) ratio | 6.2069% | 7,170 |
| Tier 1 risk-based capital ratio | 8.3868% | 7,222 |
| Total risk-based capital ratio | 9.6556% | 7,222 |
| Memoranda: | ||
| Average total assets | $72,934,330 | 5,754 |
| Average earning assets | $64,196,670 | 5,819 |
| Average equity | $4,604,670 | 6,653 |
| Average total loans | $49,631,670 | 5,377 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 2,449 |
| Cost of funding earning assets | 1.3963% | 1,628 |
| Net interest margin | 3.7499% | 3,838 |
| Noninterest income to average assets | 1.1884% | 912 |
| Noninterest expense to average assets | 3.5437% | 1,893 |
| Loan and lease loss provision to assets | 1.8200% | 314 |
| Net operating income to assets | -0.8833% | 7,001 |
| Return on assets (ROA) | -0.8833% | 7,003 |
| Pretax return on assets | -0.8833% | 6,954 |
| Return on Equity (ROE) | -14.0965% | 7,132 |
| Retained earnings to average equity (ytd only) | -14.0965% | 7,018 |
| Net charge-offs to loans | 4.1936% | 210 |
| Credit loss provision to net charge-offs | 65.0096% | 3,450 |
| Earnings coverage of net charge-offs (x) | 0.3346% | 4,363 |
| Efficiency ratio | 79.0920% | 2,681 |
| Assets per employee ($millions) | 3.2778% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 3,251 |
| Loan loss allowance to noncurrent loans | 179.3319% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 4.6137% | 1,398 |
| Noncurrent loans to loans | 0.9629% | 5,119 |
| Net loans and leases to total assets | 67.7890% | 2,595 |
| Net loans and leases to deposits | 75.5432% | 3,485 |
| Net loans and leases to core deposits | 80.5072% | 3,665 |
| Total domestic deposits to total assets | 89.7354% | 1,332 |
| Equity capital to assets | 6.4122% | 7,232 |
| Core capital (leverage) ratio | 6.3780% | 7,195 |
| Tier 1 risk-based capital ratio | 8.7775% | 7,241 |
| Total risk-based capital ratio | 10.0349% | 7,247 |
| Memoranda: | ||
| Average total assets | $74,723,500 | 5,738 |
| Average earning assets | $65,602,500 | 5,809 |
| Average equity | $4,682,000 | 6,662 |
| Average total loans | $49,886,000 | 5,395 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 3,300 |
| Cost of funding earning assets | 1.7940% | 1,194 |
| Net interest margin | 3.4704% | 5,358 |
| Noninterest income to average assets | 0.0355% | 7,174 |
| Noninterest expense to average assets | 3.9157% | 1,294 |
| Loan and lease loss provision to assets | 1.6323% | 883 |
| Net operating income to assets | -2.5254% | 7,185 |
| Return on assets (ROA) | -2.1505% | 7,111 |
| Pretax return on assets | -2.1505% | 7,077 |
| Return on Equity (ROE) | -26.4238% | 7,165 |
| Retained earnings to average equity (ytd only) | -26.4238% | 7,150 |
| Net charge-offs to loans | 1.5688% | 1,389 |
| Credit loss provision to net charge-offs | 150.9732% | 2,390 |
| Earnings coverage of net charge-offs (x) | -0.8260% | 6,558 |
| Efficiency ratio | 129.5474% | 321 |
| Assets per employee ($millions) | 3.5152% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 2,110 |
| Loan loss allowance to noncurrent loans | 79.7246% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 5.9869% | 995 |
| Noncurrent loans to loans | 2.6125% | 2,913 |
| Net loans and leases to total assets | 63.3439% | 3,997 |
| Net loans and leases to deposits | 70.1980% | 4,795 |
| Net loans and leases to core deposits | 75.9901% | 4,717 |
| Total domestic deposits to total assets | 90.2360% | 967 |
| Equity capital to assets | 6.1292% | 7,324 |
| Core capital (leverage) ratio | 6.1673% | 7,268 |
| Tier 1 risk-based capital ratio | 8.7570% | 7,286 |
| Total risk-based capital ratio | 10.0175% | 7,295 |
| Memoranda: | ||
| Average total assets | $76,027,600 | 5,713 |
| Average earning assets | $65,438,800 | 5,815 |
| Average equity | $6,187,600 | 6,311 |
| Average total loans | $52,397,200 | 5,389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 2,907 |
| Cost of funding earning assets | 1.8313% | 1,295 |
| Net interest margin | 3.5638% | 5,045 |
| Noninterest income to average assets | 0.7697% | 2,387 |
| Noninterest expense to average assets | 3.4803% | 2,077 |
| Loan and lease loss provision to assets | 1.0497% | 1,406 |
| Net operating income to assets | -0.7098% | 6,734 |
| Return on assets (ROA) | -0.5319% | 6,665 |
| Pretax return on assets | -0.5319% | 6,577 |
| Return on Equity (ROE) | -6.1480% | 6,731 |
| Retained earnings to average equity (ytd only) | -6.1480% | 6,649 |
| Net charge-offs to loans | 0.8706% | 2,271 |
| Credit loss provision to net charge-offs | 172.2543% | 2,146 |
| Earnings coverage of net charge-offs (x) | 0.5578% | 5,464 |
| Efficiency ratio | 91.1019% | 1,205 |
| Assets per employee ($millions) | 3.5990% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 3,192 |
| Loan loss allowance to noncurrent loans | 41.4530% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 7.8608% | 647 |
| Noncurrent loans to loans | 4.0692% | 1,832 |
| Net loans and leases to total assets | 67.3238% | 3,372 |
| Net loans and leases to deposits | 76.7382% | 4,045 |
| Net loans and leases to core deposits | 83.4309% | 4,033 |
| Total domestic deposits to total assets | 87.7319% | 2,142 |
| Equity capital to assets | 8.5038% | 6,270 |
| Core capital (leverage) ratio | 8.2380% | 5,979 |
| Tier 1 risk-based capital ratio | 10.9061% | 6,455 |
| Total risk-based capital ratio | 12.1594% | 6,434 |
| Memoranda: | ||
| Average total assets | $75,700,750 | 5,783 |
| Average earning assets | $64,798,000 | 5,899 |
| Average equity | $6,549,500 | 6,260 |
| Average total loans | $52,989,250 | 5,438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5262% | 2,416 |
| Cost of funding earning assets | 1.8720% | 1,332 |
| Net interest margin | 3.6542% | 4,558 |
| Noninterest income to average assets | 0.6496% | 3,017 |
| Noninterest expense to average assets | 3.5647% | 1,869 |
| Loan and lease loss provision to assets | 0.7394% | 1,958 |
| Net operating income to assets | -0.5413% | 6,687 |
| Return on assets (ROA) | -0.2746% | 6,490 |
| Pretax return on assets | -0.2746% | 6,396 |
| Return on Equity (ROE) | -3.1561% | 6,532 |
| Retained earnings to average equity (ytd only) | -3.1561% | 6,321 |
| Net charge-offs to loans | 0.9438% | 1,949 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 0.2976% | 5,431 |
| Efficiency ratio | 94.7368% | 1,025 |
| Assets per employee ($millions) | 3.5971% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 5,058 |
| Loan loss allowance to noncurrent loans | 27.6668% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 7.5856% | 672 |
| Noncurrent loans to loans | 4.6083% | 1,561 |
| Net loans and leases to total assets | 63.6984% | 4,316 |
| Net loans and leases to deposits | 72.2907% | 4,951 |
| Net loans and leases to core deposits | 78.2433% | 4,907 |
| Total domestic deposits to total assets | 88.1143% | 1,948 |
| Equity capital to assets | 8.2717% | 6,459 |
| Core capital (leverage) ratio | 8.3727% | 5,623 |
| Tier 1 risk-based capital ratio | 11.2347% | 6,013 |
| Total risk-based capital ratio | 12.3785% | 6,100 |
| Memoranda: | ||
| Average total assets | $75,741,670 | 5,810 |
| Average earning assets | $64,529,330 | 5,943 |
| Average equity | $6,590,330 | 6,272 |
| Average total loans | $53,400,670 | 5,449 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7924% | 1,487 |
| Cost of funding earning assets | 1.9350% | 1,307 |
| Net interest margin | 3.8574% | 3,526 |
| Noninterest income to average assets | 0.5078% | 3,989 |
| Noninterest expense to average assets | 3.6897% | 1,539 |
| Loan and lease loss provision to assets | 0.7023% | 1,812 |
| Net operating income to assets | -0.5780% | 6,880 |
| Return on assets (ROA) | -0.1513% | 6,558 |
| Pretax return on assets | -0.1513% | 6,508 |
| Return on Equity (ROE) | -1.6938% | 6,602 |
| Retained earnings to average equity (ytd only) | -1.6938% | 6,155 |
| Net charge-offs to loans | 1.0702% | 1,561 |
| Credit loss provision to net charge-offs | 89.0411% | 3,679 |
| Earnings coverage of net charge-offs (x) | 0.1575% | 4,891 |
| Efficiency ratio | 96.7422% | 984 |
| Assets per employee ($millions) | 3.5509% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,867 |
| Loan loss allowance to noncurrent loans | 54.1481% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 6.1162% | 965 |
| Noncurrent loans to loans | 2.0860% | 3,676 |
| Net loans and leases to total assets | 68.0133% | 3,388 |
| Net loans and leases to deposits | 77.3470% | 4,158 |
| Net loans and leases to core deposits | 83.8203% | 4,232 |
| Total domestic deposits to total assets | 87.9327% | 2,103 |
| Equity capital to assets | 8.4306% | 6,107 |
| Core capital (leverage) ratio | 8.7526% | 4,937 |
| Tier 1 risk-based capital ratio | 11.3070% | 5,845 |
| Total risk-based capital ratio | 12.3678% | 6,013 |
| Memoranda: | ||
| Average total assets | $74,044,000 | 5,938 |
| Average earning assets | $63,462,500 | 6,043 |
| Average equity | $6,612,500 | 6,318 |
| Average total loans | $54,571,000 | 5,470 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8206% | 2,573 |
| Cost of funding earning assets | 2.3462% | 1,470 |
| Net interest margin | 3.4745% | 5,070 |
| Noninterest income to average assets | 0.3243% | 5,762 |
| Noninterest expense to average assets | 3.8054% | 1,689 |
| Loan and lease loss provision to assets | 1.2162% | 1,887 |
| Net operating income to assets | -1.6561% | 6,939 |
| Return on assets (ROA) | -1.5338% | 6,882 |
| Pretax return on assets | -1.5338% | 6,726 |
| Return on Equity (ROE) | -15.3838% | 6,955 |
| Retained earnings to average equity (ytd only) | -15.9570% | 6,936 |
| Net charge-offs to loans | 1.5190% | 1,650 |
| Credit loss provision to net charge-offs | 106.8925% | 5,187 |
| Earnings coverage of net charge-offs (x) | -0.3867% | 6,619 |
| Efficiency ratio | 113.0727% | 738 |
| Assets per employee ($millions) | 2.6911% | 6,871 |
| Cash dividends to net income (ytd only)* | -3.7262% | 7,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 5,780 |
| Loan loss allowance to noncurrent loans | 53.4305% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 6.4644% | 853 |
| Noncurrent loans to loans | 2.1046% | 3,511 |
| Net loans and leases to total assets | 78.2929% | 1,323 |
| Net loans and leases to deposits | 93.6378% | 1,649 |
| Net loans and leases to core deposits | 134.1891% | 1,040 |
| Total domestic deposits to total assets | 83.6125% | 4,229 |
| Equity capital to assets | 9.4886% | 4,424 |
| Core capital (leverage) ratio | 8.8293% | 4,724 |
| Tier 1 risk-based capital ratio | 11.0593% | 5,864 |
| Total risk-based capital ratio | 12.1196% | 6,014 |
| Memoranda: | ||
| Average total assets | $75,235,800 | 5,861 |
| Average earning assets | $65,851,800 | 5,934 |
| Average equity | $7,501,400 | 6,087 |
| Average total loans | $56,352,200 | 5,405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7628% | 3,046 |
| Cost of funding earning assets | 2.4007% | 1,634 |
| Net interest margin | 3.3621% | 5,400 |
| Noninterest income to average assets | 0.7890% | 2,496 |
| Noninterest expense to average assets | 3.5304% | 2,198 |
| Loan and lease loss provision to assets | 0.4441% | 3,685 |
| Net operating income to assets | -0.2438% | 6,135 |
| Return on assets (ROA) | -0.0836% | 5,900 |
| Pretax return on assets | -0.0836% | 5,821 |
| Return on Equity (ROE) | -0.8293% | 5,907 |
| Retained earnings to average equity (ytd only) | -0.8293% | 5,448 |
| Net charge-offs to loans | 0.1696% | 5,036 |
| Credit loss provision to net charge-offs | 354.1667% | 1,161 |
| Earnings coverage of net charge-offs (x) | 1.5972% | 4,605 |
| Efficiency ratio | 94.6312% | 1,362 |
| Assets per employee ($millions) | 2.9158% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,450 |
| Loan loss allowance to noncurrent loans | 15.5593% | 7,306 |
| Noncurrent assets plus other real estate owned to assets | 8.3432% | 492 |
| Noncurrent loans to loans | 8.4085% | 553 |
| Net loans and leases to total assets | 74.3306% | 2,438 |
| Net loans and leases to deposits | 87.9548% | 2,968 |
| Net loans and leases to core deposits | 131.7543% | 1,339 |
| Total domestic deposits to total assets | 84.5100% | 3,474 |
| Equity capital to assets | 10.2638% | 3,771 |
| Core capital (leverage) ratio | 10.3863% | 2,893 |
| Tier 1 risk-based capital ratio | 12.6711% | 4,415 |
| Total risk-based capital ratio | 13.9089% | 4,375 |
| Memoranda: | ||
| Average total assets | $76,552,750 | 5,860 |
| Average earning assets | $66,979,750 | 5,936 |
| Average equity | $7,717,000 | 6,081 |
| Average total loans | $56,589,500 | 5,441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8116% | 2,992 |
| Cost of funding earning assets | 2.4975% | 1,620 |
| Net interest margin | 3.3141% | 5,504 |
| Noninterest income to average assets | 0.6667% | 3,215 |
| Noninterest expense to average assets | 3.4609% | 2,458 |
| Loan and lease loss provision to assets | 0.2995% | 4,167 |
| Net operating income to assets | -0.2083% | 6,202 |
| Return on assets (ROA) | -0.0182% | 5,946 |
| Pretax return on assets | -0.0182% | 5,889 |
| Return on Equity (ROE) | -0.1819% | 5,951 |
| Retained earnings to average equity (ytd only) | -0.1819% | 5,266 |
| Net charge-offs to loans | 0.0603% | 5,659 |
| Credit loss provision to net charge-offs | 676.4706% | 690 |
| Earnings coverage of net charge-offs (x) | 2.0588% | 4,054 |
| Efficiency ratio | 97.4340% | 1,296 |
| Assets per employee ($millions) | 2.6339% | 6,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 5,096 |
| Loan loss allowance to noncurrent loans | 26.6935% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 6.8594% | 638 |
| Noncurrent loans to loans | 4.4103% | 1,469 |
| Net loans and leases to total assets | 78.1421% | 1,710 |
| Net loans and leases to deposits | 93.8873% | 2,107 |
| Net loans and leases to core deposits | 141.1804% | 965 |
| Total domestic deposits to total assets | 83.2297% | 4,133 |
| Equity capital to assets | 10.7686% | 3,146 |
| Core capital (leverage) ratio | 10.4401% | 2,864 |
| Tier 1 risk-based capital ratio | 12.8246% | 4,268 |
| Total risk-based capital ratio | 13.9288% | 4,290 |
| Memoranda: | ||
| Average total assets | $76,800,330 | 5,896 |
| Average earning assets | $66,866,670 | 5,980 |
| Average equity | $7,695,670 | 6,121 |
| Average total loans | $56,420,330 | 5,493 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 3,997 |
| Cost of funding earning assets | 2.5942% | 1,585 |
| Net interest margin | 3.0653% | 6,293 |
| Noninterest income to average assets | 0.4470% | 4,806 |
| Noninterest expense to average assets | 3.2093% | 2,947 |
| Loan and lease loss provision to assets | 0.2762% | 3,750 |
| Net operating income to assets | -0.3917% | 6,775 |
| Return on assets (ROA) | -0.0251% | 6,427 |
| Pretax return on assets | -0.0251% | 6,409 |
| Return on Equity (ROE) | -0.2593% | 6,442 |
| Retained earnings to average equity (ytd only) | -0.2593% | 5,705 |
| Net charge-offs to loans | 0.0779% | 4,397 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | -2.0909% | 5,474 |
| Efficiency ratio | 103.7338% | 993 |
| Assets per employee ($millions) | 2.7323% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,741 |
| Loan loss allowance to noncurrent loans | 22.4437% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 6.8668% | 508 |
| Noncurrent loans to loans | 4.7285% | 1,178 |
| Net loans and leases to total assets | 71.5369% | 3,342 |
| Net loans and leases to deposits | 83.8456% | 4,011 |
| Net loans and leases to core deposits | 120.6971% | 2,356 |
| Total domestic deposits to total assets | 85.3198% | 3,050 |
| Equity capital to assets | 9.7329% | 4,328 |
| Core capital (leverage) ratio | 9.8865% | 3,536 |
| Tier 1 risk-based capital ratio | 12.2083% | 4,785 |
| Total risk-based capital ratio | 13.1735% | 4,932 |
| Memoranda: | ||
| Average total assets | $79,643,500 | 5,834 |
| Average earning assets | $68,769,000 | 5,956 |
| Average equity | $7,714,500 | 6,149 |
| Average total loans | $56,514,500 | 5,523 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2778% | 4,083 |
| Cost of funding earning assets | 3.0516% | 1,682 |
| Net interest margin | 3.2262% | 6,285 |
| Noninterest income to average assets | 0.3019% | 6,293 |
| Noninterest expense to average assets | 3.5342% | 2,304 |
| Loan and lease loss provision to assets | 0.7945% | 1,872 |
| Net operating income to assets | -0.7257% | 7,082 |
| Return on assets (ROA) | -0.5681% | 6,866 |
| Pretax return on assets | -0.9190% | 6,953 |
| Return on Equity (ROE) | -5.3389% | 6,896 |
| Retained earnings to average equity (ytd only) | -5.3389% | 6,565 |
| Net charge-offs to loans | 1.1148% | 1,086 |
| Credit loss provision to net charge-offs | 102.3891% | 5,200 |
| Earnings coverage of net charge-offs (x) | -0.4778% | 6,477 |
| Efficiency ratio | 111.7204% | 680 |
| Assets per employee ($millions) | 2.8590% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 5,918 |
| Loan loss allowance to noncurrent loans | 22.2837% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 6.8856% | 387 |
| Noncurrent loans to loans | 4.5409% | 1,049 |
| Net loans and leases to total assets | 68.9236% | 4,270 |
| Net loans and leases to deposits | 80.7369% | 4,917 |
| Net loans and leases to core deposits | 115.2604% | 3,209 |
| Total domestic deposits to total assets | 85.3681% | 2,682 |
| Equity capital to assets | 9.6401% | 4,497 |
| Core capital (leverage) ratio | 10.1922% | 3,281 |
| Tier 1 risk-based capital ratio | 12.4779% | 4,456 |
| Total risk-based capital ratio | 13.3925% | 4,597 |
| Memoranda: | ||
| Average total assets | $75,519,000 | 5,857 |
| Average earning assets | $66,981,800 | 5,932 |
| Average equity | $8,035,400 | 6,076 |
| Average total loans | $52,566,200 | 5,601 |